The Securities and Exchange Commission has not necessarily reviewed the information in this filing and has not determined if it is accurate and complete.
The reader should not assume that the information is accurate and complete.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F

FORM 13F INFORMATION TABLE
OMB APPROVAL
OMB Number: 3235-0006
Estimated average burden
hours per response: 23.8
COLUMN 1 COLUMN 2 COLUMN 3 COLUMN 4 COLUMN 5 COLUMN 6 COLUMN 7 COLUMN 8
VALUE SHRS OR SH/ PUT/ INVESTMENT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
AMAZON COM INC COM Stock 023135106   663,141 5,087 SH   SOLE 0 130 0 4,957
TECHNOLOGY SELECT SECTOR SPDR FUND ETF 81369Y803   3,761,461 21,635 SH   SOLE 0 107 0 21,528
SPDR PORTFOLIO AGGREGATE BOND ETF ETF 78464A649   20,650,064 813,956 SH   SOLE 0 27,455 0 786,501
SPDR PORTFOLIO S&P 500 HIGH DIVIDEND ETF ETF 78468R788   24,322,923 655,958 SH   SOLE 0 36,825 0 619,133
JOHNSON & JOHNSON COM Stock 478160104   662,742 4,004 SH   SOLE 0 1,037 0 2,967
VANGUARD ENERGY ETF ETF 92204A306   455,850 4,038 SH   SOLE 0 1,984 0 2,054
VANGUARD INTERNATIONAL HIGH DIVIDEND YIELD ETF ETF 921946794   3,212,582 50,832 SH   SOLE 0 13,056 0 37,776
COSTCO WHSL CORP NEW COM Stock 22160K105   336,488 625 SH   SOLE 0 238 0 387
WATSCO INC COM Stock 942622200   276,184 724 SH   SOLE 0 0 0 724
PROCTER AND GAMBLE CO COM Stock 742718109   376,770 2,483 SH   SOLE 0 1,193 0 1,290
COCA COLA CO COM Stock 191216100   868,252 14,418 SH   SOLE 0 2,000 0 12,418
FIRST TRUST MORNINGSTAR DIVIDEND LEADERS INDEX FUND ETF 336917109   292,282 8,594 SH   SOLE 0 0 0 8,594
ISHARES U.S. ENERGY ETF ETF 464287796   919,432 21,462 SH   SOLE 0 0 0 21,462
TRUIST FINL CORP COM Stock 89832Q109   205,561 6,773 SH   SOLE 0 500 0 6,273
UNITED PARCEL SERVICE INC CL B Stock 911312106   393,633 2,196 SH   SOLE 0 100 0 2,096
INTEL CORP COM Stock 458140100   1,091,916 32,653 SH   SOLE 0 7,928 0 24,725
CLOROX CO DEL COM Stock 189054109   245,240 1,542 SH   SOLE 0 1,350 0 192
MERCK & CO INC COM Stock 58933Y105   732,842 6,351 SH   SOLE 0 1,378 0 4,973
ISHARES SHORT-TERM NATIONAL MUNI BOND ETF ETF 464288158   12,798,273 123,013 SH   SOLE 0 8,343 0 114,670
SPDR S&P 500 ETF TRUST ETF 78462F103   908,872 2,050 SH   SOLE 0 825 0 1,225
DIAGEO PLC SPON ADR NEW ADR 25243Q205   256,924 1,481 SH   SOLE 0 500 0 981
VANGUARD EXTENDED DURATION TREASURY ETF ETF 921910709   3,813,666 43,800 SH   SOLE 0 1,325 0 42,475
VERIZON COMMUNICATIONS INC COM Stock 92343V104   871,213 23,426 SH   SOLE 0 5,488 0 17,938
VANGUARD FTSE ALL-WORLD EX-US SMALL-CAP ETF ETF 922042718   350,774 3,175 SH   SOLE 0 97 0 3,078
FEDEX CORP COM Stock 31428X106   335,905 1,355 SH   SOLE 0 0 0 1,355
PEPSICO INC COM Stock 713448108   594,371 3,209 SH   SOLE 0 1,182 0 2,027
KIMBERLY-CLARK CORP COM Stock 494368103   207,366 1,502 SH   SOLE 0 1,500 0 2
HOME DEPOT INC COM Stock 437076102   642,404 2,068 SH   SOLE 0 1,298 0 770
AUTOMATIC DATA PROCESSING INC COM Stock 053015103   298,695 1,359 SH   SOLE 0 750 0 609
HEALTH CARE SELECT SECTOR SPDR FUND ETF 81369Y209   884,645 6,665 SH   SOLE 0 101 0 6,564
SPDR GOLD SHARES ETF 78463V107   432,305 2,425 SH   SOLE 0 0 0 2,425
SCHWAB U.S. SMALL-CAP ETF ETF 808524607   247,207 5,644 SH   SOLE 0 0 0 5,644
ISHARES RUSSELL 1000 GROWTH ETF ETF 464287614   324,162 1,178 SH   SOLE 0 0 0 1,178
SCHWAB INTERNATIONAL EQUITY ETF ETF 808524805   537,887 15,088 SH   SOLE 0 1,760 0 13,328
SCHWAB U.S. LARGE-CAP ETF ETF 808524201   406,863 7,769 SH   SOLE 0 0 0 7,769
CONSUMER STAPLES SELECT SECTOR SPDR FUND ETF 81369Y308   505,691 6,818 SH   SOLE 0 915 0 5,903
INVESCO BULLETSHARES 2027 CORPORATE BOND ETF ETF 46138J783   3,410,987 179,285 SH   SOLE 0 6,140 0 173,145
ISHARES CORE S&P SMALL CAP ETF ETF 464287804   393,219 3,946 SH   SOLE 0 0 0 3,946
BERKSHIRE HATHAWAY INC DEL CL B NEW Stock 084670702   1,636,800 4,800 SH   SOLE 0 320 0 4,480
SCHWAB EMERGING MARKETS EQUITY ETF ETF 808524706   43,578,179 1,769,313 SH   SOLE 0 92,938 0 1,676,375
ALPHABET INC CAP STK CL A Stock 02079K305   640,754 5,353 SH   SOLE 0 40 0 5,313
MICROSOFT CORP COM Stock 594918104   2,100,791 6,169 SH   SOLE 0 692 0 5,477
INVESCO CEF INCOME COMPOSITE ETF ETF 46138E404   560,480 31,000 SH   SOLE 0 31,000 0 0
ISHARES MSCI BRAZIL ETF ETF 464286400   457,814 14,117 SH   SOLE 0 0 0 14,117
VANGUARD SMALL-CAP ETF ETF 922908751   68,426,314 344,041 SH   SOLE 0 18,588 0 325,453
VANGUARD MID-CAP ETF ETF 922908629   29,805,921 135,383 SH   SOLE 0 10,113 0 125,270
VANGUARD LARGE-CAP ETF ETF 922908637   82,011,816 404,557 SH   SOLE 0 23,912 0 380,645
NEXTERA ENERGY INC COM Stock 65339F101   570,004 7,682 SH   SOLE 0 26 0 7,656
TESLA INC COM Stock 88160R101   216,222 826 SH   SOLE 0 0 0 826
SPDR S&P KENSHO NEW ECONOMIES COMPOSITE ETF ETF 78468R648   12,785,750 286,676 SH   SOLE 0 12,702 0 273,974
ISHARES MSCI EMERGING MARKETS EX CHINA ETF ETF 46434G764   419,219 8,065 SH   SOLE 0 0 0 8,065
NORFOLK SOUTHN CORP COM Stock 655844108   314,743 1,388 SH   SOLE 0 435 0 953
ALERIAN MLP ETF ETF 00162Q452   3,273,917 83,497 SH   SOLE 0 13,283 0 70,214
BROOKFIELD CORP CL A LTD VT SH Stock 11271J107   206,263 6,119 SH   SOLE 0 0 0 6,119
DOW INC COM Stock 260557103   893,277 16,772 SH   SOLE 0 3,705 0 13,067
VANGUARD S&P MID-CAP 400 ETF ETF 921932885   201,994 2,281 SH   SOLE 0 0 0 2,281
ISHARES MSCI BRAZIL SMALL-CAP ETF ETF 464289131   495,489 32,901 SH   SOLE 0 0 0 32,901
VANGUARD S&P 500 ETF ETF 922908363   303,831 746 SH   SOLE 0 500 0 246
ISHARES IBONDS DEC 2028 TERM MUNI BOND ETF ETF 46435U325   5,043,347 200,451 SH   SOLE 0 14,608 0 185,843
SPDR S&P MIDCAP 400 ETF TRUST ETF 78467Y107   302,671 632 SH   SOLE 0 0 0 632
ISHARES IBONDS DEC 2027 TERM MUNI BOND ETF ETF 46435U283   15,170,491 605,246 SH   SOLE 0 45,160 0 560,086
ISHARES 0-5 YEAR TIPS BOND ETF ETF 46429B747   13,746,765 140,848 SH   SOLE 0 4,819 0 136,029
LILLY ELI & CO COM Stock 532457108   415,985 887 SH   SOLE 0 642 0 245
AIR PRODS & CHEMS INC COM Stock 009158106   309,414 1,033 SH   SOLE 0 612 0 421
SP FUNDS DOW JONES GLOBAL SUKUK ETF ETF 886364702   195,310 11,022 SH   SOLE 0 0 0 11,022
ISHARES RUSSELL 2000 ETF ETF 464287655   724,360 3,868 SH   SOLE 0 1,449 0 2,419
ISHARES SELECT DIVIDEND ETF ETF 464287168   895,637 7,905 SH   SOLE 0 5,585 0 2,320
VANGUARD SMALL CAP VALUE ETF ETF 922908611   2,542,198 15,370 SH   SOLE 0 0 0 15,370
VANGUARD MID-CAP GROWTH ETF ETF 922908538   826,990 4,019 SH   SOLE 0 0 0 4,019
XYLEM INC COM Stock 98419M100   392,255 3,483 SH   SOLE 0 3,086 0 397
VISA INC COM CL A Stock 92826C839   827,618 3,485 SH   SOLE 0 1,483 0 2,002
VANGUARD SMALL-CAP GROWTH ETF ETF 922908595   588,134 2,560 SH   SOLE 0 0 0 2,560
VANGUARD VALUE ETF ETF 922908744   19,769,520 139,124 SH   SOLE 0 644 0 138,480
VANGUARD GROWTH ETF ETF 922908736   17,981,542 63,548 SH   SOLE 0 291 0 63,257
ISHARES CORE S&P TOTAL U.S. STOCK MARKET ETF ETF 464287150   306,044 3,128 SH   SOLE 0 2,151 0 977
GLOBAL X MLP ETF ETF 37954Y343   221,819 5,167 SH   SOLE 0 5,167 0 0
ALPS SECTOR DIVIDEND DOGS ETF ETF 00162Q858   1,322,648 26,469 SH   SOLE 0 5,652 0 20,817
MONDELEZ INTL INC CL A Stock 609207105   202,117 2,771 SH   SOLE 0 1,000 0 1,771
NVIDIA CORPORATION COM Stock 67066G104   489,011 1,156 SH   SOLE 0 0 0 1,156
CUMMINS INC COM Stock 231021106   269,921 1,101 SH   SOLE 0 1,000 0 101
SPDR S&P METALS & MINING ETF ETF 78464A755   1,288,998 25,364 SH   SOLE 0 0 0 25,364
ETFMG PRIME JUNIOR SILVER MINERS ETFMG PRIME JUNIOR SILVER MINERS FUND ETF 26924G102   371,251 39,579 SH   SOLE 0 5,882 0 33,697
STRYKER CORPORATION COM Stock 863667101   203,800 668 SH   SOLE 0 575 0 93
RESMED INC COM Stock 761152107   218,500 1,000 SH   SOLE 0 1,000 0 0
MCDONALDS CORP COM Stock 580135101   1,076,962 3,609 SH   SOLE 0 1,507 0 2,102
GLOBAL X URANIUM ETF ETF 37954Y871   12,620,438 581,587 SH   SOLE 0 25,621 0 555,966
CISCO SYS INC COM Stock 17275R102   1,018,088 19,677 SH   SOLE 0 4,578 0 15,099
ISHARES FRONTIER AND SELECT EM ETF ETF 464286145   715,564 27,660 SH   SOLE 0 0 0 27,660
VANECK JUNIOR GOLD MINERS ETF ETF 92189F791   22,521,715 631,568 SH   SOLE 0 33,799 0 597,769
CONSUMER DISCRETIONARY SELECT SECTOR SPDR FUND ETF 81369Y407   1,030,747 6,070 SH   SOLE 0 102 0 5,968
INDUSTRIAL SELECT SECTOR SPDR FUND ETF 81369Y704   550,015 5,125 SH   SOLE 0 695 0 4,430
INVESCO S&P ULTRA DIVIDEND REVENUE ETF ETF 46138G656   3,565,302 91,091 SH   SOLE 0 13,012 0 78,079
FIDELITY MSCI ENERGY INDEX ETF ETF 316092402   226,652 10,228 SH   SOLE 0 0 0 10,228
UNION PAC CORP COM Stock 907818108   1,135,436 5,549 SH   SOLE 0 1,043 0 4,506
VANGUARD MID-CAP VALUE ETF ETF 922908512   749,604 5,417 SH   SOLE 0 0 0 5,417
JPMORGAN CHASE & CO COM Stock 46625H100   1,643,617 11,301 SH   SOLE 0 1,515 0 9,786
CHEVRON CORP NEW COM Stock 166764100   814,129 5,174 SH   SOLE 0 1,178 0 3,996
ISHARES NATIONAL MUNI BOND ETF ETF 464288414   10,394,648 97,392 SH   SOLE 0 7,636 0 89,756
MARKEL GROUP INC COM Stock 570535104   253,122 183 SH   SOLE 0 0 0 183
VANGUARD FTSE DEVELOPED MARKETS ETF ETF 921943858   61,216,023 1,325,596 SH   SOLE 0 70,904 0 1,254,692
TJX COS INC NEW COM Stock 872540109   207,227 2,444 SH   SOLE 0 2,000 0 444
BANK AMERICA CORP COM Stock 060505104   287,617 10,025 SH   SOLE 0 0 0 10,025
SPDR S&P DIVIDEND ETF ETF 78464A763   406,598 3,317 SH   SOLE 0 875 0 2,442
WALMART INC COM Stock 931142103   215,022 1,368 SH   SOLE 0 1,011 0 357
ISHARES INTERNATIONAL SELECT DIVIDEND ETF ETF 464288448   6,166,670 234,207 SH   SOLE 0 38,807 0 195,400
INTERNATIONAL BUSINESS MACHS COM Stock 459200101   861,603 6,439 SH   SOLE 0 1,284 0 5,155
ORACLE CORP COM Stock 68389X105   523,162 4,393 SH   SOLE 0 185 0 4,208
RAYTHEON TECHNOLOGIES CORP COM Stock 75513E101   218,745 2,233 SH   SOLE 0 276 0 1,957
VANGUARD FTSE EMERGING MARKETS ETF ETF 922042858   3,015,283 74,122 SH   SOLE 0 0 0 74,122
VANGUARD HIGH DIVIDEND YIELD INDEX ETF ETF 921946406   26,153,362 246,567 SH   SOLE 0 28,535 0 218,032
PFIZER INC COM Stock 717081103   280,272 7,641 SH   SOLE 0 1,970 0 5,671
ISHARES IBOXX $ INVESTMENT GRADE CORPORATE BOND ETF ETF 464287242   6,948,319 64,253 SH   SOLE 0 2,192 0 62,061
CATERPILLAR INC COM Stock 149123101   542,294 2,204 SH   SOLE 0 1,500 0 704
ALPHABET INC CAP STK CL C Stock 02079K107   848,846 7,017 SH   SOLE 0 2,481 0 4,536
SPDR SSGA ULTRA SHORT TERM BOND ETF ETF 78467V707   3,453,772 85,808 SH   SOLE 0 2,937 0 82,871
AMERICAN EXPRESS CO COM Stock 025816109   218,098 1,252 SH   SOLE 0 233 0 1,019
AMGEN INC COM Stock 031162100   915,166 4,122 SH   SOLE 0 1,130 0 2,992
APPLIED MATLS INC COM Stock 038222105   324,926 2,248 SH   SOLE 0 1,380 0 868
VANECK SHORT HIGH YIELD MUNI ETF ETF 92189F387   918,113 41,171 SH   SOLE 0 74 0 41,097
ALERIAN ENERGY INFRASTRUCTURE ETF ETF 00162Q676   400,353 18,348 SH   SOLE 0 1,511 0 16,837
ISHARES CORE U.S. AGGREGATE BOND ETF ETF 464287226   20,683,808 211,167 SH   SOLE 0 7,362 0 203,805
SPDR PORTFOLIO S&P 500 ETF ETF 78464A854   254,036 4,875 SH   SOLE 0 0 0 4,875
EATON CORP PLC SHS Stock G29183103   211,959 1,054 SH   SOLE 0 14 0 1,040
ISHARES S&P SMALL-CAP 600 VALUE ETF ETF 464287879   18,936,793 199,146 SH   SOLE 0 11,335 0 187,811
ISHARES S&P MID-CAP 400 GROWTH ETF ETF 464287606   757,950 10,106 SH   SOLE 0 0 0 10,106
ISHARES S&P MID-CAP 400 VALUE ETF ETF 464287705   342,173 3,194 SH   SOLE 0 0 0 3,194
INVESCO BULLETSHARES 2024 CORPORATE BOND ETF ETF 46138J841   3,468,637 168,626 SH   SOLE 0 6,823 0 161,803
VANGUARD SHORT-TERM BOND ETF ETF 921937827   20,476,523 270,961 SH   SOLE 0 9,343 0 261,618
VANGUARD MEGA CAP ETF ETF 921910873   1,384,827 8,851 SH   SOLE 0 0 0 8,851
BRISTOL-MYERS SQUIBB CO COM Stock 110122108   209,564 3,277 SH   SOLE 0 1,000 0 2,277
SPDR S&P INTERNATIONAL DIVIDEND ETF ETF 78463X772   833,510 24,237 SH   SOLE 0 15,391 0 8,846
EXXON MOBIL CORP COM Stock 30231G102   1,221,363 11,388 SH   SOLE 0 1,500 0 9,888
UNITEDHEALTH GROUP INC COM Stock 91324P102   328,277 683 SH   SOLE 0 74 0 609
LOWES COS INC COM Stock 548661107   723,594 3,206 SH   SOLE 0 0 0 3,206
COLGATE PALMOLIVE CO COM Stock 194162103   356,387 4,626 SH   SOLE 0 2,000 0 2,626
SPDR PORTFOLIO DEVELOPED WORLD EX-US ETF ETF 78463X889   4,864,730 149,500 SH   SOLE 0 22,304 0 127,196
VANGUARD TAX-EXEMPT BOND ETF ETF 922907746   15,921,247 317,030 SH   SOLE 0 33,180 0 283,850
ISHARES MSCI EAFE ETF ETF 464287465   17,477,575 241,070 SH   SOLE 0 1,094 0 239,976
APPLE INC COM Stock 037833100   2,651,182 13,668 SH   SOLE 0 3,801 0 9,867
ISHARES RUSSELL 1000 ETF ETF 464287622   200,354 822 SH   SOLE 0 0 0 822