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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
Apple Computer Inc com 037833100 24,268 82,644 SH   SOLE 0 24,268 0 0
AbbVie Inc. com 00287Y109 3,678 41,539 SH   SOLE 0 3,678 0 0
Amerisource Bergen com 03073E105 379 4,452 SH   SOLE 0 379 0 0
Abbott Laboratories com 002824100 277 3,187 SH   SOLE 0 277 0 0
Accenture Ltd Cl A com G1151C101 5,660 26,880 SH   SOLE 0 5,660 0 0
Archer-Daniels-Midland Co. com 039483102 282 6,076 SH   SOLE 0 282 0 0
Auto Data Processing com 053015103 432 2,532 SH   SOLE 0 432 0 0
AEGON N.V. com 007924103 46 10,155 SH   SOLE 0 46 0 0
American Electric Power Co., Inc com 025537101 492 5,207 SH   SOLE 0 492 0 0
AES Corporation com 00130H105 2,637 132,537 SH   SOLE 0 2,637 0 0
American Financial Group com 025932104 784 7,148 SH   SOLE 0 784 0 0
AFLAC Inc com 001055102 3,511 66,367 SH   SOLE 0 3,511 0 0
Allstate Corporation com 020002101 3,168 28,171 SH   SOLE 0 3,168 0 0
Ally Financial Inc. com 02005N100 208 6,790 SH   SOLE 0 208 0 0
Allison Transmission Holdings, INc. com 01973R101 2,947 60,984 SH   SOLE 0 2,947 0 0
Applied Materials Inc com 038222105 221 3,613 SH   SOLE 0 221 0 0
Amcor Plc com G0250X107 143 13,203 SH   SOLE 0 143 0 0
Amgen Incorporated com 031162100 11,290 46,834 SH   SOLE 0 11,290 0 0
American Tower Corporation com 03027X100 6,569 28,585 SH   SOLE 0 6,569 0 0
Anthem, Inc. com 036752103 1,002 3,318 SH   SOLE 0 1,002 0 0
Avnet, Inc. com 053807103 1,171 27,596 SH   SOLE 0 1,171 0 0
American Express Company com 025816109 555 4,460 SH   SOLE 0 555 0 0
AutoZone Inc com 053332102 699 587 SH   SOLE 0 699 0 0
The Boeing Company com 097023105 243 747 SH   SOLE 0 243 0 0
Bank of America Corp com 060505104 257 7,299 SH   SOLE 0 257 0 0
Booz Allen Hamilton Holdings Corporation com 099502106 934 13,125 SH   SOLE 0 934 0 0
Best Buy Inc com 086516101 580 6,606 SH   SOLE 0 580 0 0
Becton Dickinson & Co com 075887109 4,094 15,052 SH   SOLE 0 4,094 0 0
Vanguard Intermediate-Term Bond ETF ETF 921937819 280 3,215 SH   SOLE 0 280 0 0
Bristol-Myers Squibb Co com 110122108 512 7,982 SH   SOLE 0 512 0 0
Vanguard Total Bond Market ETF ETF 921937835 2,721 32,453 SH   SOLE 0 2,721 0 0
BP PLC Adr ADR 055622104 518 13,735 SH   SOLE 0 518 0 0
Popular Inc com 733174700 1,902 32,378 SH   SOLE 0 1,902 0 0
Berkshire Hathaway Cl B com 084670702 255 1,126 SH   SOLE 0 255 0 0
Brixmor Property Group Inc. com 11120U105 5,463 252,790 SH   SOLE 0 5,463 0 0
Blackstone Mortgage Trust, Inc com 09257W100 406 10,895 SH   SOLE 0 406 0 0
Citigroup Inc com 172967424 1,235 15,465 SH   SOLE 0 1,235 0 0
Caterpillar Inc com 149123101 495 3,355 SH   SOLE 0 495 0 0
Chubb Ltd com H1467J104 2,578 16,564 SH   SOLE 0 2,578 0 0
Cabot Corporation com 127055101 920 19,363 SH   SOLE 0 920 0 0
Carnival Corp com 143658300 1,382 27,184 SH   SOLE 0 1,382 0 0
Celanese Corporation com 150870103 3,517 28,564 SH   SOLE 0 3,517 0 0
Cerner Corp com 156782104 1,088 14,820 SH   SOLE 0 1,088 0 0
Cincinnati Financial Cp com 172062101 540 5,133 SH   SOLE 0 540 0 0
Cummins Inc com 231021106 5,579 31,173 SH   SOLE 0 5,579 0 0
CMS Energy Corp com 125896100 1,103 17,553 SH   SOLE 0 1,103 0 0
Canadian Natl RR Co. com 136375102 596 6,590 SH   SOLE 0 596 0 0
Capital One Financial Corp com 14040H105 339 3,290 SH   SOLE 0 339 0 0
CyrusOne Inc. com 23283R100 1,682 25,712 SH   SOLE 0 1,682 0 0
ConocoPhillips com 20825C104 471 7,241 SH   SOLE 0 471 0 0
Camden Property Trust com 133131102 4,887 46,059 SH   SOLE 0 4,887 0 0
Cisco Systems Inc com 17275R102 8,462 176,449 SH   SOLE 0 8,462 0 0
CVR Energy, Inc com 12662P108 990 24,499 SH   SOLE 0 990 0 0
C V S Caremark Corp. com 126650100 2,491 33,536 SH   SOLE 0 2,491 0 0
Chevron Corp com 166764100 5,831 48,385 SH   SOLE 0 5,831 0 0
Delta Air Lines com 247361702 5,633 96,330 SH   SOLE 0 5,633 0 0
Discover Financial Services com 254709108 4,956 58,435 SH   SOLE 0 4,956 0 0
Dollar General Corporation com 256677105 555 3,558 SH   SOLE 0 555 0 0
Quest Diagnostic Inc com 74834L100 514 4,810 SH   SOLE 0 514 0 0
D R Horton Co com 23331A109 592 11,216 SH   SOLE 0 592 0 0
Disney Walt Hldg Co com 254687106 1,401 9,690 SH   SOLE 0 1,401 0 0
Discovery Inc com 25470F302 286 9,387 SH   SOLE 0 286 0 0
Dick's Sporting Goods Inc. com 253393102 2,691 54,372 SH   SOLE 0 2,691 0 0
Deluxe Corp com 248019101 672 13,464 SH   SOLE 0 672 0 0
Dover Corporation com 260003108 781 6,774 SH   SOLE 0 781 0 0
Amdocs Limited Common Stock com G02602103 628 8,704 SH   SOLE 0 628 0 0
DoubleLine Income Solutions Fund com 258622109 327 16,558 SH   SOLE 0 327 0 0
iShares MSCI EAFE ETF iShares 464287465 2,833 40,801 SH   SOLE 0 2,833 0 0
iShares MSCI EAFE Min Volatility ETF iShares 46429B689 29,156 391,143 SH   SOLE 0 29,156 0 0
EastGroup Properties Inc. com 277276101 689 5,193 SH   SOLE 0 689 0 0
Encompass Health Corp com 29261A100 2,651 38,268 SH   SOLE 0 2,651 0 0
Edison International com 281020107 681 9,031 SH   SOLE 0 681 0 0
EPR Properties com 26884U109 790 11,183 SH   SOLE 0 790 0 0
Equinix, Inc. com 29444U700 742 1,272 SH   SOLE 0 742 0 0
Eaton Corporation plc com G29183103 3,679 38,846 SH   SOLE 0 3,679 0 0
Entergy Corp New com 29364G103 4,326 36,108 SH   SOLE 0 4,326 0 0
Exelon Corporation com 30161N101 2,874 63,032 SH   SOLE 0 2,874 0 0
Ford Motor Company com 345370860 998 107,337 SH   SOLE 0 998 0 0
First American Financial Corp com 31847R102 2,351 40,309 SH   SOLE 0 2,351 0 0
Facebook Inc Class A com 30303M102 2,897 14,115 SH   SOLE 0 2,897 0 0
Fifth Third Bancorp com 316773100 1,418 46,138 SH   SOLE 0 1,418 0 0
Foot Locker Inc com 344849104 208 5,339 SH   SOLE 0 208 0 0
Schwab Fundamental US Small Company ETF ETF 808524763 926 23,002 SH   SOLE 0 926 0 0
Schwab Fundamental Intl Sm Co ETF ETF 808524748 15,851 476,726 SH   SOLE 0 15,851 0 0
Schwab Fundamental Emerg Mkts Lg Co ETF ETF 808524730 18,905 633,549 SH   SOLE 0 18,905 0 0
Schwab Fundamental Intl Lg Co ETF ETF 808524755 32,501 1,123,831 SH   SOLE 0 32,501 0 0
Schwab Fundamental US Large Company ETF ETF 808524771 1,726 40,444 SH   SOLE 0 1,726 0 0
Fidelity National Finl. com 31620R303 933 20,581 SH   SOLE 0 933 0 0
General Dynamics Corp com 369550108 252 1,428 SH   SOLE 0 252 0 0
VanEck Vectors Gold Miners ETF Gold ETF 92189F106 434 14,832 SH   SOLE 0 434 0 0
General Electric com 369604103 134 11,966 SH   SOLE 0 134 0 0
Gilead Sciences Inc com 375558103 393 6,044 SH   SOLE 0 393 0 0
General Mills Inc com 370334104 920 17,181 SH   SOLE 0 920 0 0
Globe Life Inc com 37959E102 331 3,149 SH   SOLE 0 331 0 0
Corning Inc com 219350105 587 20,160 SH   SOLE 0 587 0 0
General Motors Company com 37045V100 1,566 42,780 SH   SOLE 0 1,566 0 0
iShares GNMA Bond ETF iShares 46429B333 231 4,600 SH   SOLE 0 231 0 0
Alphabet Inc Class C com 02079K107 5,369 4,016 SH   SOLE 0 5,369 0 0
Hasbro Inc com 418056107 3,621 34,282 SH   SOLE 0 3,621 0 0
Huntington Bancshares Incorporated com 446150104 376 24,965 SH   SOLE 0 376 0 0
HCA Holdings, Inc. com 40412C101 4,200 28,417 SH   SOLE 0 4,200 0 0
Home Depot Inc com 437076102 742 3,396 SH   SOLE 0 742 0 0
HollyFrontier Corporation com 436106108 501 9,878 SH   SOLE 0 501 0 0
Hartford Financial Services com 416515104 220 3,624 SH   SOLE 0 220 0 0
Honeywell International com 438516106 4,165 23,531 SH   SOLE 0 4,165 0 0
Block H & R Incorporated com 093671105 693 29,516 SH   SOLE 0 693 0 0
Hill-Rom Holdings, Inc. com 431475102 1,945 17,133 SH   SOLE 0 1,945 0 0
Host Hotels & Resorts Inc. com 44107P104 1,001 53,976 SH   SOLE 0 1,001 0 0
VanEck Vectors High-Yield Muni ETF ETF 92189H409 214 3,342 SH   SOLE 0 214 0 0
Intl Business Machines com 459200101 3,164 23,605 SH   SOLE 0 3,164 0 0
Invesco S&P Intl Dev Low Vol ETF ETF 46138E230 240 7,044 SH   SOLE 0 240 0 0
CBRE Clarion Global Real Estate Income Fund com 12504G100 111 13,875 SH   SOLE 0 111 0 0
Infosys Limited com 456788108 2,454 237,836 SH   SOLE 0 2,454 0 0
Intel Corp com 458140100 7,198 120,269 SH   SOLE 0 7,198 0 0
iShares Edge MSCI Multifactor Intl ETF iShares 46434V274 28,857 1,066,800 SH   SOLE 0 28,857 0 0
International Paper Co com 460146103 982 21,331 SH   SOLE 0 982 0 0
Ingersoll-Rand Plc com G47791101 551 4,146 SH   SOLE 0 551 0 0
Iron Mountain Incorporated com 46284V101 2,233 70,077 SH   SOLE 0 2,233 0 0
Illinois Tool Works com 452308109 852 4,745 SH   SOLE 0 852 0 0
iShares Core S&P 500 ETF iShares 464287200 405 1,254 SH   SOLE 0 405 0 0
j2 Global, Inc. com 48123V102 2,046 21,834 SH   SOLE 0 2,046 0 0
Johnson & Johnson com 478160104 6,870 47,096 SH   SOLE 0 6,870 0 0
J P Morgan Chase & Co. com 46625H100 12,560 90,100 SH   SOLE 0 12,560 0 0
JPMorgan Ultra-Short Income ETF ETF 46641Q837 415 8,222 SH   SOLE 0 415 0 0
Keycorp Inc New com 493267108 250 12,342 SH   SOLE 0 250 0 0
KKR & Co Inc. com 48251W104 524 17,949 SH   SOLE 0 524 0 0
Kimberly-Clark Corp com 494368103 2,781 20,215 SH   SOLE 0 2,781 0 0
Kinder Morgan, Inc. com 49456B101 688 32,520 SH   SOLE 0 688 0 0
Kroger Company com 501044101 5,859 202,108 SH   SOLE 0 5,859 0 0
Kohls Corp com 500255104 1,405 27,583 SH   SOLE 0 1,405 0 0
Leidos Holdings Inc com 525327102 643 6,567 SH   SOLE 0 643 0 0
Lear Corp com 521865204 790 5,761 SH   SOLE 0 790 0 0
Lowes Companies Inc com 548661107 2,867 23,943 SH   SOLE 0 2,867 0 0
Louisiana-Pacific Corp com 546347105 204 6,862 SH   SOLE 0 204 0 0
iShares Edge MSCI Multifactor USA ETF iShares 46434V282 6,571 190,585 SH   SOLE 0 6,571 0 0
Lexington Realty Trust com 529043101 2,358 222,008 SH   SOLE 0 2,358 0 0
LyondellBasell Industrials NV com N53745100 6,094 64,498 SH   SOLE 0 6,094 0 0
iShares MBS Bond ETF iShares 464288588 8,405 77,782 SH   SOLE 0 8,405 0 0
McDonald's Corp. com 580135101 2,581 13,061 SH   SOLE 0 2,581 0 0
McKesson HBOC Inc com 58155Q103 2,624 18,971 SH   SOLE 0 2,624 0 0
Medtronic PLC com G5960L103 1,839 16,212 SH   SOLE 0 1,839 0 0
iShares Short Maturity Municipal Bond ETF iShares 46431W838 282 5,628 SH   SOLE 0 282 0 0
Metlife Inc com 59156R108 1,658 32,525 SH   SOLE 0 1,658 0 0
Manulife Financial Corporation com 56501R106 538 26,532 SH   SOLE 0 538 0 0
MGM Growth Properties, LLC com 55303A105 371 11,977 SH   SOLE 0 371 0 0
Pimco Enhanced Short Maturity Active ETF ETF 72201R833 593 5,834 SH   SOLE 0 593 0 0
Herman Miller, Inc. com 600544100 2,035 48,852 SH   SOLE 0 2,035 0 0
Global X MLP & Energy Infrastructure ETF ETF 37950E226 2,132 173,637 SH   SOLE 0 2,132 0 0
3M Company com 88579Y101 1,554 8,807 SH   SOLE 0 1,554 0 0
Marathon Petroleum Corporation com 56585A102 1,266 21,006 SH   SOLE 0 1,266 0 0
Merck & Co Inc com 58933Y105 1,663 18,284 SH   SOLE 0 1,663 0 0
Microsoft Corp com 594918104 19,606 124,327 SH   SOLE 0 19,606 0 0
iShares Natl Amt-Free Muni Bond ETF iShares 464288414 419 3,677 SH   SOLE 0 419 0 0
PIMCO Intermediate Muni Bond Strgy ETF ETF 72201R866 3,471 62,893 SH   SOLE 0 3,471 0 0
iShares Short Maturity Bond ETF iShares 46431W507 898 17,878 SH   SOLE 0 898 0 0
Newmont Mining Corp com 651639106 526 12,103 SH   SOLE 0 526 0 0
Northrop Grumman Corp com 666807102 1,509 4,387 SH   SOLE 0 1,509 0 0
Nucor Corp com 670346105 211 3,750 SH   SOLE 0 211 0 0
Nexstar Media Group com 65336K103 3,135 26,741 SH   SOLE 0 3,135 0 0
Omnicom Group Inc com 681919106 3,084 38,070 SH   SOLE 0 3,084 0 0
Oracle Corporation com 68389X105 7,572 142,918 SH   SOLE 0 7,572 0 0
Old Republic International Corporation com 680223104 2,206 98,631 SH   SOLE 0 2,206 0 0
Outfront Media Inc com 69007J106 2,102 78,363 SH   SOLE 0 2,102 0 0
PBF Energy Inc com 69318G106 577 18,378 SH   SOLE 0 577 0 0
PACCAR Inc com 693718108 2,554 32,288 SH   SOLE 0 2,554 0 0
Invesco Emerging Mkts Sovereign Debt ETF ETF 46138E784 7,781 263,036 SH   SOLE 0 7,781 0 0
Piedmont Office Realty Trust, Inc. com 720190206 3,834 172,411 SH   SOLE 0 3,834 0 0
Pub Svc Enterprise Group com 744573106 447 7,568 SH   SOLE 0 447 0 0
PepsiCo Incorporated com 713448108 2,654 19,420 SH   SOLE 0 2,654 0 0
Pfizer Incorporated com 717081103 9,948 253,916 SH   SOLE 0 9,948 0 0
PennyMac Financial Services, Inc. com 70932M107 518 15,215 SH   SOLE 0 518 0 0
Procter & Gamble com 742718109 7,695 61,611 SH   SOLE 0 7,695 0 0
Progressive Corp. com 743315103 4,546 62,801 SH   SOLE 0 4,546 0 0
PulteGroup Inc com 745867101 2,388 61,557 SH   SOLE 0 2,388 0 0
Premier, Inc. com 74051N102 393 10,384 SH   SOLE 0 393 0 0
Packaging Corp of America com 695156109 395 3,531 SH   SOLE 0 395 0 0
ProLogis com 74340W103 465 5,216 SH   SOLE 0 465 0 0
PNC Financial Services com 693475105 1,385 8,674 SH   SOLE 0 1,385 0 0
PPG Industries Inc com 693506107 972 7,285 SH   SOLE 0 972 0 0
Prudential Financial Inc com 744320102 2,403 25,630 SH   SOLE 0 2,403 0 0
Phillips 66 com 718546104 1,791 16,080 SH   SOLE 0 1,791 0 0
Invesco FTSE RAFI Emerging Markets ETF ETF 46138E727 3,704 166,110 SH   SOLE 0 3,704 0 0
QTS Realty Trust, Inc. com 74736A103 3,824 70,461 SH   SOLE 0 3,824 0 0
Regal Beloit Corporation com 758750103 555 6,484 SH   SOLE 0 555 0 0
Royal Caribbean Cruises Ltd. com V7780T103 1,445 10,824 SH   SOLE 0 1,445 0 0
Everest Re Group Ltd com G3223R108 448 1,617 SH   SOLE 0 448 0 0
Regions Financial Cp New com 7591EP100 209 12,168 SH   SOLE 0 209 0 0
Reinsurance Group of America com 759351604 728 4,464 SH   SOLE 0 728 0 0
Ryman Hospitality Properties com 78377T107 348 4,013 SH   SOLE 0 348 0 0
Hartford Multifactor Developed Markets ETF com 518416102 3,914 133,263 SH   SOLE 0 3,914 0 0
Ross Stores, Inc com 778296103 1,248 10,719 SH   SOLE 0 1,248 0 0
Reliance Steel & Aluminum Co com 759509102 1,488 12,425 SH   SOLE 0 1,488 0 0
Rivernorth Marketplace Lending Corp. com 76882B108 1,782 97,795 SH   SOLE 0 1,782 0 0
Raytheon Company New com 755111507 289 1,314 SH   SOLE 0 289 0 0
Sabre Corporation com 78573M104 389 17,327 SH   SOLE 0 389 0 0
Schwab U.S. Small-Cap ETF ETF 808524607 427 5,648 SH   SOLE 0 427 0 0
Schwab US Broad Mkt ETF ETF 808524102 658 8,558 SH   SOLE 0 658 0 0
Schwab U.S. Dividend Equity ETF ETF 808524797 351 6,068 SH   SOLE 0 351 0 0
Schwab Emerging Mkts Equity ETF ETF 808524706 404 14,752 SH   SOLE 0 404 0 0
Schwab International Equity ETF ETF 808524805 15,742 468,083 SH   SOLE 0 15,742 0 0
Schwab U.S. REIT ETF ETF 808524847 17,616 383,285 SH   SOLE 0 17,616 0 0
Schwab US TIPS ETF ETF 808524870 19,023 335,922 SH   SOLE 0 19,023 0 0
Schwab Intermediate-Term U.S. Trsy ETF ETF 808524854 11,550 210,262 SH   SOLE 0 11,550 0 0
Schwab US Large-Cap Value ETF ETF 808524409 311 5,169 SH   SOLE 0 311 0 0
Schwab US LC ETF ETF 808524201 274 3,574 SH   SOLE 0 274 0 0
Schwab U.S. Aggregate Bond ETF ETF 808524839 235 4,396 SH   SOLE 0 235 0 0
J M Smuckers Co com 832696405 1,375 13,205 SH   SOLE 0 1,375 0 0
iShares Edge MSCI Mltfct USA SmCp ETF iShares 46434V290 1,269 29,577 SH   SOLE 0 1,269 0 0
Snap On Inc com 833034101 2,230 13,163 SH   SOLE 0 2,230 0 0
SYNNEX Corp. com 87162W100 347 2,692 SH   SOLE 0 347 0 0
Sonoco Products Co com 835495102 1,478 23,942 SH   SOLE 0 1,478 0 0
SPDR Barclays Cap Interm Term Corp Bond ETF ETF 78464A375 2,385 67,541 SH   SOLE 0 2,385 0 0
SPDR S&P 500 ETF ETF 78462F103 253 787 SH   SOLE 0 253 0 0
Suncor Energy Inc com 867224107 1,011 30,836 SH   SOLE 0 1,011 0 0
Service PPTYS Tr REIT com 81761L102 1,414 58,129 SH   SOLE 0 1,414 0 0
Sysco Corporation com 871829107 896 10,472 SH   SOLE 0 896 0 0
A T & T Inc. com 00206R102 1,744 44,628 SH   SOLE 0 1,744 0 0
Toronto-Dominion Bank com 891160509 8,233 146,675 SH   SOLE 0 8,233 0 0
TE Connectivity Ltd. com H84989104 218 2,279 SH   SOLE 0 218 0 0
Truist Financial Corp com 89832Q109 1,727 30,657 SH   SOLE 0 1,727 0 0
Target Corporation com 87612E106 8,385 65,402 SH   SOLE 0 8,385 0 0
The Hanover Insurance Group Inc. com 410867105 2,377 17,394 SH   SOLE 0 2,377 0 0
iShares Barclays TIPS Bond iShares 464287176 835 7,165 SH   SOLE 0 835 0 0
TJX Cos Inc com 872540109 2,836 46,445 SH   SOLE 0 2,836 0 0
Toyota Motor Corporation com 892331307 3,647 25,951 SH   SOLE 0 3,647 0 0
Thermo Fisher Scientific Inc. com 883556102 3,787 11,658 SH   SOLE 0 3,787 0 0
Total S.A. ADS com 89151E109 7,879 142,478 SH   SOLE 0 7,879 0 0
Travelers Companies Inc com 89417E109 8,398 61,322 SH   SOLE 0 8,398 0 0
Tyson Foods Inc com 902494103 2,875 31,583 SH   SOLE 0 2,875 0 0
Texas Instruments Inc com 882508104 5,652 44,055 SH   SOLE 0 5,652 0 0
UGI Corporation New com 902681105 3,178 70,373 SH   SOLE 0 3,178 0 0
UnitedHealth Group Inc. com 91324P102 3,317 11,284 SH   SOLE 0 3,317 0 0
Union Pacific com 907818108 5,544 30,664 SH   SOLE 0 5,544 0 0
US Bancorp com 902973304 3,660 61,725 SH   SOLE 0 3,660 0 0
United Technologies Corp com 913017109 6,811 45,479 SH   SOLE 0 6,811 0 0
Visa, Inc. com 92826C839 255 1,358 SH   SOLE 0 255 0 0
Vanguard Small Cap Value ETF ETF 922908611 11,262 82,165 SH   SOLE 0 11,262 0 0
V F Corporation com 918204108 404 4,051 SH   SOLE 0 404 0 0
Vanguard Interm-Tm Govt Bd Inx ETF ETF 92206C706 10,753 163,170 SH   SOLE 0 10,753 0 0
ViacomCBS Inc. com 92556H206 4,081 97,237 SH   SOLE 0 4,081 0 0
Valero Energy Corp New com 91913Y100 5,405 57,714 SH   SOLE 0 5,405 0 0
Vanguard Mortgage-Backed Securities ETF ETF 92206C771 346 6,514 SH   SOLE 0 346 0 0
Vanguard Reit Index ETF ETF 922908553 6,641 71,570 SH   SOLE 0 6,641 0 0
Vanguard Russell 1000 ETF ETF 92206C730 917 6,221 SH   SOLE 0 917 0 0
Vishay Intertechnology Inc. com 928298108 532 24,970 SH   SOLE 0 532 0 0
Vanguard Tax-Exempt Bond Index ETF ETF 922907746 7,343 137,157 SH   SOLE 0 7,343 0 0
Vanguard Total Stock Market ETF ETF 922908769 268 1,635 SH   SOLE 0 268 0 0
Vanguard Value ETF ETF 922908744 275 2,293 SH   SOLE 0 275 0 0
Vanguard Large Cap ETF ETF 922908637 244 1,653 SH   SOLE 0 244 0 0
Verizon Communications com 92343V104 12,071 196,594 SH   SOLE 0 12,071 0 0
Walgreens Boots Alliance Inc. com 931427108 660 11,186 SH   SOLE 0 660 0 0
Wells Fargo & Company com 949746101 2,276 42,300 SH   SOLE 0 2,276 0 0
Wal-Mart Stores Inc com 931142103 15,313 128,851 SH   SOLE 0 15,313 0 0
Wyndham Destinations com 98310W108 4,919 95,158 SH   SOLE 0 4,919 0 0
Exxon Mobil Corporation com 30231G102 3,219 46,129 SH   SOLE 0 3,219 0 0
Xerox Corp com 984121608 593 16,094 SH   SOLE 0 593 0 0