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
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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   669,160 5,264 SH   SOLE 0 130 0 5,134
TECHNOLOGY SELECT SECTOR SPDR FUND ETF 81369Y803   3,591,378 21,908 SH   SOLE 0 107 0 21,801
SPDR PORTFOLIO AGGREGATE BOND ETF ETF 78464A649   20,045,694 823,570 SH   SOLE 0 27,455 0 796,115
SPDR PORTFOLIO S&P 500 HIGH DIVIDEND ETF ETF 78468R788   23,765,396 677,656 SH   SOLE 0 45,979 0 631,677
JOHNSON & JOHNSON COM Stock 478160104   643,248 4,130 SH   SOLE 0 1,037 0 3,093
VANGUARD ENERGY ETF ETF 92204A306   511,776 4,038 SH   SOLE 0 1,984 0 2,054
VANGUARD INTERNATIONAL HIGH DIVIDEND YIELD ETF ETF 921946794   2,934,329 47,412 SH   SOLE 0 13,056 0 34,356
COSTCO WHSL CORP NEW COM Stock 22160K105   240,108 425 SH   SOLE 0 238 0 187
WATSCO INC COM Stock 942622200   287,445 761 SH   SOLE 0 0 0 761
PROCTER AND GAMBLE CO COM Stock 742718109   593,504 4,069 SH   SOLE 0 793 0 3,276
COCA COLA CO COM Stock 191216100   280,908 5,018 SH   SOLE 0 2,000 0 3,018
FIRST TRUST MORNINGSTAR DIVIDEND LEADERS INDEX FUND ETF 336917109   287,383 8,594 SH   SOLE 0 0 0 8,594
ISHARES U.S. ENERGY ETF ETF 464287796   1,040,567 21,939 SH   SOLE 0 0 0 21,939
UNITED PARCEL SERVICE INC CL B Stock 911312106   402,300 2,581 SH   SOLE 0 100 0 2,481
INTEL CORP COM Stock 458140100   986,050 27,737 SH   SOLE 0 7,682 0 20,055
CLOROX CO DEL COM Stock 189054109   267,625 2,042 SH   SOLE 0 1,350 0 692
ISHARES SHORT-TERM NATIONAL MUNI BOND ETF ETF 464288158   12,999,755 126,383 SH   SOLE 0 7,199 0 119,184
SPDR S&P 500 ETF TRUST ETF 78462F103   879,469 2,057 SH   SOLE 0 825 0 1,232
DIAGEO PLC SPON ADR NEW ADR 25243Q205   220,936 1,481 SH   SOLE 0 500 0 981
VANGUARD EXTENDED DURATION TREASURY ETF ETF 921910709   3,057,720 43,663 SH   SOLE 0 1,325 0 42,338
VERIZON COMMUNICATIONS INC COM Stock 92343V104   692,569 21,369 SH   SOLE 0 5,254 0 16,115
FEDEX CORP COM Stock 31428X106   358,967 1,355 SH   SOLE 0 0 0 1,355
PEPSICO INC COM Stock 713448108   620,998 3,665 SH   SOLE 0 1,138 0 2,527
KIMBERLY-CLARK CORP COM Stock 494368103   223,814 1,852 SH   SOLE 0 1,500 0 352
HOME DEPOT INC COM Stock 437076102   775,947 2,568 SH   SOLE 0 1,298 0 1,270
HEALTH CARE SELECT SECTOR SPDR FUND ETF 81369Y209   909,419 7,064 SH   SOLE 0 101 0 6,963
SPDR GOLD SHARES ETF 78463V107   497,891 2,904 SH   SOLE 0 0 0 2,904
SCHWAB U.S. SMALL-CAP ETF ETF 808524607   233,774 5,644 SH   SOLE 0 0 0 5,644
ISHARES RUSSELL 1000 GROWTH ETF ETF 464287614   313,336 1,178 SH   SOLE 0 0 0 1,178
SCHWAB INTERNATIONAL EQUITY ETF ETF 808524805   502,744 14,804 SH   SOLE 0 1,476 0 13,328
SCHWAB U.S. LARGE-CAP ETF ETF 808524201   393,111 7,769 SH   SOLE 0 0 0 7,769
INVESCO BULLETSHARES 2027 CORPORATE BOND ETF ETF 46138J783   3,393,171 181,114 SH   SOLE 0 6,140 0 174,974
ISHARES CORE S&P SMALL CAP ETF ETF 464287804   372,226 3,946 SH   SOLE 0 0 0 3,946
BERKSHIRE HATHAWAY INC DEL CL B NEW Stock 084670702   1,676,886 4,787 SH   SOLE 0 320 0 4,467
SCHWAB EMERGING MARKETS EQUITY ETF ETF 808524706   42,589,859 1,779,025 SH   SOLE 0 86,006 0 1,693,019
ALPHABET INC CAP STK CL A Stock 02079K305   700,494 5,353 SH   SOLE 0 40 0 5,313
MICROSOFT CORP COM Stock 594918104   1,910,919 6,052 SH   SOLE 0 692 0 5,360
INVESCO CEF INCOME COMPOSITE ETF ETF 46138E404   566,010 33,100 SH   SOLE 0 33,100 0 0
ISHARES MSCI BRAZIL ETF ETF 464286400   436,373 14,228 SH   SOLE 0 0 0 14,228
VANGUARD SMALL-CAP ETF ETF 922908751   65,348,075 345,629 SH   SOLE 0 17,381 0 328,248
VANGUARD MID-CAP ETF ETF 922908629   28,356,041 136,170 SH   SOLE 0 9,605 0 126,565
VANGUARD LARGE-CAP ETF ETF 922908637   79,472,273 406,113 SH   SOLE 0 22,242 0 383,871
NEXTERA ENERGY INC COM Stock 65339F101   457,346 7,983 SH   SOLE 0 26 0 7,957
TESLA INC COM Stock 88160R101   204,430 817 SH   SOLE 0 0 0 817
SPDR S&P KENSHO NEW ECONOMIES COMPOSITE ETF ETF 78468R648   11,400,883 287,864 SH   SOLE 0 11,772 0 276,092
ISHARES MSCI EMERGING MARKETS EX CHINA ETF ETF 46434G764   404,470 8,117 SH   SOLE 0 0 0 8,117
ALERIAN MLP ETF ETF 00162Q452   3,304,682 78,310 SH   SOLE 0 13,283 0 65,027
WALGREENS BOOTS ALLIANCE INC COM Stock 931427108   405,836 18,248 SH   SOLE 0 4,560 0 13,688
DOW INC COM Stock 260557103   768,502 14,905 SH   SOLE 0 3,620 0 11,285
ISHARES MSCI BRAZIL SMALL-CAP ETF ETF 464289131   440,497 32,996 SH   SOLE 0 0 0 32,996
VANGUARD S&P 500 ETF ETF 922908363   292,954 746 SH   SOLE 0 500 0 246
ISHARES IBONDS DEC 2028 TERM MUNI BOND ETF ETF 46435U325   5,033,733 206,216 SH   SOLE 0 12,708 0 193,508
SPDR S&P MIDCAP 400 ETF TRUST ETF 78467Y107   288,596 632 SH   SOLE 0 0 0 632
ISHARES IBONDS DEC 2027 TERM MUNI BOND ETF ETF 46435U283   15,245,018 622,754 SH   SOLE 0 39,526 0 583,228
ISHARES 0-5 YEAR TIPS BOND ETF ETF 46429B747   13,798,403 142,369 SH   SOLE 0 4,819 0 137,550
VANECK GOLD MINERS ETF ETF 92189F106   212,320 7,890 SH   SOLE 0 0 0 7,890
AIR PRODS & CHEMS INC COM Stock 009158106   292,752 1,033 SH   SOLE 0 612 0 421
SP FUNDS DOW JONES GLOBAL SUKUK ETF ETF 886364702   191,673 11,022 SH   SOLE 0 0 0 11,022
ISHARES RUSSELL 2000 ETF ETF 464287655   683,630 3,868 SH   SOLE 0 1,449 0 2,419
ISHARES SELECT DIVIDEND ETF ETF 464287168   500,418 4,649 SH   SOLE 0 2,449 0 2,200
VANGUARD SMALL CAP VALUE ETF ETF 922908611   2,479,910 15,549 SH   SOLE 0 0 0 15,549
SPDR NUVEEN BLOOMBERG HIGH YIELD MUNICIPAL BOND ETF ETF 78464A284   874,527 36,714 SH   SOLE 0 0 0 36,714
VANGUARD MID-CAP GROWTH ETF ETF 922908538   782,781 4,019 SH   SOLE 0 0 0 4,019
XYLEM INC COM Stock 98419M100   317,057 3,483 SH   SOLE 0 3,086 0 397
VISA INC COM CL A Stock 92826C839   617,577 2,685 SH   SOLE 0 1,483 0 1,202
DIMENSIONAL U.S. SMALL CAP ETF ETF 25434V500   278,302 5,302 SH   SOLE 0 0 0 5,302
ISHARES MSCI INDIA ETF ETF 46429B598   384,006 8,684 SH   SOLE 0 0 0 8,684
VANGUARD SMALL-CAP GROWTH ETF ETF 922908595   548,301 2,560 SH   SOLE 0 0 0 2,560
VANGUARD VALUE ETF ETF 922908744   19,192,270 139,145 SH   SOLE 0 644 0 138,501
VANGUARD GROWTH ETF ETF 922908736   17,293,591 63,507 SH   SOLE 0 291 0 63,216
AMERICAN TOWER CORP NEW COM REIT 03027X100   245,853 1,495 SH   SOLE 0 717 0 778
ISHARES CORE S&P TOTAL U.S. STOCK MARKET ETF ETF 464287150   294,626 3,128 SH   SOLE 0 2,151 0 977
GLOBAL X MLP ETF ETF 37954Y343   230,397 5,167 SH   SOLE 0 5,167 0 0
ALPS SECTOR DIVIDEND DOGS ETF ETF 00162Q858   1,151,624 24,487 SH   SOLE 0 5,652 0 18,835
NVIDIA CORPORATION COM Stock 67066G104   492,844 1,133 SH   SOLE 0 0 0 1,133
CUMMINS INC COM Stock 231021106   228,688 1,001 SH   SOLE 0 1,000 0 1
SPDR S&P METALS & MINING ETF ETF 78464A755   1,349,093 25,697 SH   SOLE 0 0 0 25,697
ETFMG PRIME JUNIOR SILVER MINERS ETFMG PRIME JUNIOR SILVER MINERS FUND ETF 26924G102   649,636 76,608 SH   SOLE 0 5,882 0 70,726
MCDONALDS CORP COM Stock 580135101   943,906 3,583 SH   SOLE 0 1,507 0 2,076
GLOBAL X URANIUM ETF ETF 37954Y871   15,764,536 583,008 SH   SOLE 0 23,688 0 559,320
CISCO SYS INC COM Stock 17275R102   980,690 18,242 SH   SOLE 0 4,578 0 13,664
ISHARES FRONTIER AND SELECT EM ETF ETF 464286145   730,555 28,185 SH   SOLE 0 0 0 28,185
VANECK JUNIOR GOLD MINERS ETF ETF 92189F791   20,677,866 641,572 SH   SOLE 0 31,789 0 609,783
CONSUMER DISCRETIONARY SELECT SECTOR SPDR FUND ETF 81369Y407   976,505 6,066 SH   SOLE 0 102 0 5,964
INVESCO S&P ULTRA DIVIDEND REVENUE ETF ETF 46138G656   3,665,303 98,536 SH   SOLE 0 14,588 0 83,948
FIDELITY MSCI ENERGY INDEX ETF ETF 316092402   254,779 10,228 SH   SOLE 0 0 0 10,228
BUNGE LIMITED COM Stock G16962105   204,917 1,893 SH   SOLE 0 0 0 1,893
UNION PAC CORP COM Stock 907818108   874,184 4,293 SH   SOLE 0 1,043 0 3,250
VANGUARD MID-CAP VALUE ETF ETF 922908512   709,410 5,417 SH   SOLE 0 0 0 5,417
JPMORGAN CHASE & CO COM Stock 46625H100   1,436,713 9,907 SH   SOLE 0 1,515 0 8,392
CHEVRON CORP NEW COM Stock 166764100   795,381 4,717 SH   SOLE 0 1,178 0 3,539
ISHARES NATIONAL MUNI BOND ETF ETF 464288414   10,264,972 100,107 SH   SOLE 0 6,742 0 93,365
MARKEL GROUP INC COM Stock 570535104   285,663 194 SH   SOLE 0 0 0 194
VANGUARD FTSE DEVELOPED MARKETS ETF ETF 921943858   58,486,517 1,337,752 SH   SOLE 0 65,367 0 1,272,385
TJX COS INC NEW COM Stock 872540109   217,223 2,444 SH   SOLE 0 2,000 0 444
BANK AMERICA CORP COM Stock 060505104   274,485 10,025 SH   SOLE 0 0 0 10,025
SPDR S&P DIVIDEND ETF ETF 78464A763   381,488 3,317 SH   SOLE 0 875 0 2,442
WALMART INC COM Stock 931142103   218,784 1,368 SH   SOLE 0 1,011 0 357
ISHARES INTERNATIONAL SELECT DIVIDEND ETF ETF 464288448   3,290,824 129,560 SH   SOLE 0 31,816 0 97,744
INTERNATIONAL BUSINESS MACHS COM Stock 459200101   810,934 5,780 SH   SOLE 0 1,284 0 4,496
ORACLE CORP COM Stock 68389X105   465,307 4,393 SH   SOLE 0 185 0 4,208
VANGUARD FTSE EMERGING MARKETS ETF ETF 922042858   2,929,458 74,712 SH   SOLE 0 0 0 74,712
VANGUARD HIGH DIVIDEND YIELD INDEX ETF ETF 921946406   25,716,348 248,900 SH   SOLE 0 25,940 0 222,960
PFIZER INC COM Stock 717081103   440,232 13,272 SH   SOLE 0 1,970 0 11,302
ISHARES IBOXX $ INVESTMENT GRADE CORPORATE BOND ETF ETF 464287242   6,622,526 64,914 SH   SOLE 0 2,192 0 62,722
3M CO COM Stock 88579Y101   590,742 6,310 SH   SOLE 0 1,859 0 4,451
CATERPILLAR INC COM Stock 149123101   738,192 2,704 SH   SOLE 0 1,500 0 1,204
ALPHABET INC CAP STK CL C Stock 02079K107   920,049 6,978 SH   SOLE 0 2,481 0 4,497
SPDR SSGA ULTRA SHORT TERM BOND ETF ETF 78467V707   3,464,307 86,027 SH   SOLE 0 2,937 0 83,090
AMGEN INC COM Stock 031162100   1,019,138 3,792 SH   SOLE 0 1,130 0 2,662
APPLIED MATLS INC COM Stock 038222105   311,236 2,248 SH   SOLE 0 1,380 0 868
ISHARES CORE U.S. AGGREGATE BOND ETF ETF 464287226   20,140,641 214,171 SH   SOLE 0 7,362 0 206,809
SPDR PORTFOLIO S&P 500 ETF ETF 78464A854   245,018 4,875 SH   SOLE 0 0 0 4,875
EATON CORP PLC SHS Stock G29183103   224,797 1,054 SH   SOLE 0 14 0 1,040
ISHARES S&P SMALL-CAP 600 VALUE ETF ETF 464287879   17,868,089 200,270 SH   SOLE 0 10,681 0 189,589
ISHARES S&P MID-CAP 400 GROWTH ETF ETF 464287606   730,057 10,106 SH   SOLE 0 0 0 10,106
ISHARES S&P MID-CAP 400 VALUE ETF ETF 464287705   322,370 3,194 SH   SOLE 0 0 0 3,194
INVESCO BULLETSHARES 2024 CORPORATE BOND ETF ETF 46138J841   3,493,829 169,029 SH   SOLE 0 6,823 0 162,206
VANGUARD SHORT-TERM BOND ETF ETF 921937827   20,528,701 273,097 SH   SOLE 0 9,343 0 263,754
VANGUARD MEGA CAP ETF ETF 921910873   1,467,216 9,661 SH   SOLE 0 0 0 9,661
SPDR S&P INTERNATIONAL DIVIDEND ETF ETF 78463X772   797,397 24,237 SH   SOLE 0 15,391 0 8,846
EXXON MOBIL CORP COM Stock 30231G102   1,052,459 8,951 SH   SOLE 0 1,000 0 7,951
UNITEDHEALTH GROUP INC COM Stock 91324P102   336,799 668 SH   SOLE 0 74 0 594
LOWES COS INC COM Stock 548661107   678,182 3,263 SH   SOLE 0 0 0 3,263
COLGATE PALMOLIVE CO COM Stock 194162103   243,054 3,418 SH   SOLE 0 2,000 0 1,418
SPDR PORTFOLIO DEVELOPED WORLD EX-US ETF ETF 78463X889   4,591,465 148,064 SH   SOLE 0 20,868 0 127,196
VANGUARD TAX-EXEMPT BOND ETF ETF 922907746   15,651,740 325,400 SH   SOLE 0 30,102 0 295,298
ISHARES MSCI EAFE ETF ETF 464287465   16,637,770 241,407 SH   SOLE 0 1,094 0 240,313
APPLE INC COM Stock 037833100   1,799,246 10,509 SH   SOLE 0 3,543 0 6,966
ISHARES RUSSELL 1000 VALUE ETF ETF 464287598   373,477 2,460 SH   SOLE 0 1,285 0 1,175