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
3M Co COM 88579Y101 1,349 7,594 SH   SOLE   0 0 7,594
Abbott Laboratories COM 002824100 1,966 13,967 SH   SOLE   0 0 13,967
Abbvie Inc COM 00287Y109 2,971 21,946 SH   SOLE   0 0 21,946
Advance Auto Parts Inc COM 00751Y106 901 3,758 SH   SOLE   0 0 3,758
Aflac Inc COM 001055102 755 12,923 SH   SOLE   0 0 12,923
Akamai Technologies Inc. COM 00971T101 248 2,123 SH   SOLE   0 0 2,123
Allstate Corp COM 020002101 651 5,531 SH   SOLE   0 0 5,531
Alphabet Inc Class A CAP STK CL A 02079K305 895 309 SH   SOLE   0 0 309
Alphabet Inc Class C CAP STK CL C 02079K107 706 244 SH   SOLE   0 0 244
Altria Group Inc. COM 02209S103 237 5,005 SH   SOLE   0 0 5,005
Amazon.com Inc COM 023135106 1,691 507 SH   SOLE   0 0 507
Amdocs Ltd. SHS G02602103 606 8,093 SH   SOLE   0 0 8,093
American Tower Corp COM 03027X100 324 1,108 SH   SOLE   0 0 1,108
AmerisourceBergen Corp COM 03073E105 901 6,781 SH   SOLE   0 0 6,781
Amgen Inc COM 031162100 1,763 7,836 SH   SOLE   0 0 7,836
Amphenol Corp CL A 032095101 393 4,488 SH   SOLE   0 0 4,488
Apple Inc COM 037833100 3,218 18,124 SH   SOLE   0 0 18,124
Automatic Data Processing COM 053015103 225 912 SH   SOLE   0 0 912
Avago Technologies Ltd COM 11135F101 302 454 SH   SOLE   0 0 454
Avalara Inc COM 05338G106 712 5,518 SH   SOLE   0 0 5,518
Bank of New York Mellon Corp COM 064058100 1,255 21,610 SH   SOLE   0 0 21,610
Boeing Co COM 097023105 215 1,066 SH   SOLE   0 0 1,066
Bristol-Myers Squibb Company COM 110122108 2,334 37,432 SH   SOLE   0 0 37,432
Cadence Bank COM 12740C103 894 30,013 SH   SOLE   0 0 30,013
CDW Corp COM 12514G108 417 2,037 SH   SOLE   0 0 2,037
Cedar Fair LP DEPOSITORY UNIT 150185106 340 6,800 SH   SOLE   0 0 6,800
Chevron Corp COM 166764100 333 2,835 SH   SOLE   0 0 2,835
Cigna Holding Co COM 125523100 1,409 6,134 SH   SOLE   0 0 6,134
Cisco Systems Inc COM 17275R102 1,662 26,227 SH   SOLE   0 0 26,227
CME Group Inc. COM 12572Q105 442 1,934 SH   SOLE   0 0 1,934
Coca-Cola Co COM 191216100 1,312 22,155 SH   SOLE   0 0 22,155
Cognizant Technology Solutions Corporation CL A 192446102 1,165 13,133 SH   SOLE   0 0 13,133
Colgate-Palmolive Company COM 194162103 468 5,480 SH   SOLE   0 0 5,480
ConAgra Foods Inc. COM 205887102 1,476 43,227 SH   SOLE   0 0 43,227
ConocoPhillips COM 20825C104 327 4,534 SH   SOLE   0 0 4,534
Copart Inc COM 217204106 606 4,000 SH   SOLE   0 0 4,000
Costco Wholesale Corporation COM 22160K105 434 764 SH   SOLE   0 0 764
Crown Castle International Corp COM 22822V101 270 1,292 SH   SOLE   0 0 1,292
CSX Corp COM 126408103 3,897 103,635 SH   SOLE   0 0 103,635
Danaher Corporation COM 235851102 318 968 SH   SOLE   0 0 968
Eaton Corp SHS G29183103 1,895 10,965 SH   SOLE   0 0 10,965
Emerson Electric Co. COM 291011104 525 5,650 SH   SOLE   0 0 5,650
Exxon Mobil Corporation COM 30231G102 454 7,418 SH   SOLE   0 0 7,418
FACEBOOK INC CL A 30303M102 256 760 SH   SOLE   0 0 760
First American Financial Corp COM 31847R102 1,141 14,591 SH   SOLE   0 0 14,591
General Dynamics COM 369550108 982 4,709 SH   SOLE   0 0 4,709
Gilead Sciences Inc COM 375558103 1,544 21,268 SH   SOLE   0 0 21,268
Goldman Sachs Active Beta U.S. Small Cap ACTIVEBETA US 381430602 4,623 69,517 SH   SOLE   0 0 69,517
Goldman Sachs Group Inc COM 38141G104 843 2,204 SH   SOLE   0 0 2,204
Guggenheim S&P 500 Equal Weight S&P500 EQL WGT 46137V357 206 1,266 SH   SOLE   0 0 1,266
Home Depot Inc. COM 437076102 2,297 5,536 SH   SOLE   0 0 5,536
Honeywell International Inc. COM 438516106 274 1,316 SH   SOLE   0 0 1,316
Intel Corp COM 458140100 871 16,904 SH   SOLE   0 0 16,904
International Business Machines Corp COM 459200101 1,529 11,443 SH   SOLE   0 0 11,443
International Flavors & Fragrances COM 459506101 898 5,964 SH   SOLE   0 0 5,964
iShares Cohen & Steers Realty Majors COHEN STEER REIT 464287564 393 5,163 SH   SOLE   0 0 5,163
iShares Core MSCI EAFE CORE MSCI EAFE 46432F842 404 5,418 SH   SOLE   0 0 5,418
iShares Core MSCI Emerg Markets ETF CORE MSCI EMKT 46434G103 704 11,766 SH   SOLE   0 0 11,766
iShares Core MSCI Total Intl Stk ETF CORE MSCI TOTAL 46432F834 4,143 58,400 SH   SOLE   0 0 58,400
iShares Core S&P 500 ETF CORE S&P500 ETF 464287200 37,162 77,910 SH   SOLE   0 0 77,910
iShares Core S&P Mid-Cap ETF CORE S&P MCP ETF 464287507 5,212 18,413 SH   SOLE   0 0 18,413
iShares Core S&P Small-Cap ETF CORE S&P SCP ETF 464287804 203 1,775 SH   SOLE   0 0 1,775
iShares Core S&P Total US Stock Mkt CORE S&P TTL STK 464287150 4,057 37,926 SH   SOLE   0 0 37,926
iShares Dow Jones US Energy U.S. ENERGY ETF 464287796 2,001 66,466 SH   SOLE   0 0 66,466
iShares Edge MSCI Min Vol USA MSCI USA MIN VOL 46429B697 1,714 21,182 SH   SOLE   0 0 21,182
iShares Global Financials ETF GLOBAL FINLS ETF 464287333 1,760 21,983 SH   SOLE   0 0 21,983
iShares MSCI ACWI Index MSCI ACWI ETF 464288257 1,709 16,156 SH   SOLE   0 0 16,156
iShares MSCI EAFE Index MSCI EAFE ETF 464287465 1,601 20,351 SH   SOLE   0 0 20,351
iShares MSCI Emerging Markets Index MSCI EMG MKT ETF 464287234 449 9,191 SH   SOLE   0 0 9,191
iShares Russell 1000 Growth Index RUS 1000 GRW ETF 464287614 1,798 5,883 SH   SOLE   0 0 5,883
iShares Russell 1000 Index RUS 1000 ETF 464287622 756 2,859 SH   SOLE   0 0 2,859
iShares Russell 1000 Value Index RUS 1000 VAL ETF 464287598 1,501 8,939 SH   SOLE   0 0 8,939
iShares Russell 2000 Growth Index Fund RUS 2000 GRW ETF 464287648 582 1,985 SH   SOLE   0 0 1,985
iShares Russell 2000 Index RUSSELL 2000 ETF 464287655 4,705 21,149 SH   SOLE   0 0 21,149
iShares Russell 2000 Value Index Fund RUS 2000 VAL ETF 464287630 346 2,085 SH   SOLE   0 0 2,085
iShares Russell Midcap Index RUS MID CAP ETF 464287499 341 4,105 SH   SOLE   0 0 4,105
Johnson & Johnson COM 478160104 586 3,427 SH   SOLE   0 0 3,427
JPMorgan Chase & Co COM 46625H100 1,770 11,181 SH   SOLE   0 0 11,181
L3Harris Technologies Inc COM 502431109 1,940 9,100 SH   SOLE   0 0 9,100
Landstar System Inc. COM 515098101 943 5,267 SH   SOLE   0 0 5,267
Lincoln National Corp COM 534187109 273 4,000 SH   SOLE   0 0 4,000
Lockheed Martin Corporation COM 539830109 1,338 3,766 SH   SOLE   0 0 3,766
MARSH & MCLENNAN COS COM 571748102 1,076 6,189 SH   SOLE   0 0 6,189
McDonald's Corporation COM 580135101 405 1,512 SH   SOLE   0 0 1,512
Merck & Co Inc COM 58933Y105 871 11,362 SH   SOLE   0 0 11,362
Microsoft Corporation COM 594918104 5,224 15,533 SH   SOLE   0 0 15,533
Moderna Inc COM 60770K107 436 1,715 SH   SOLE   0 0 1,715
Mondelez International Inc CL A 609207105 289 4,356 SH   SOLE   0 0 4,356
Moody s Corporation COM 615369105 469 1,200 SH   SOLE   0 0 1,200
Morgan Stanley COM NEW 617446448 775 7,897 SH   SOLE   0 0 7,897
National Fuel Gas Company COM 636180101 1,258 19,670 SH   SOLE   0 0 19,670
Newell Rubbermaid Inc COM 651229106 825 37,758 SH   SOLE   0 0 37,758
NextEra Energy Inc COM 65339F101 1,081 11,574 SH   SOLE   0 0 11,574
Nike Inc. CL B 654106103 215 1,290 SH   SOLE   0 0 1,290
Nordson Corporation COM 655663102 308 1,206 SH   SOLE   0 0 1,206
Novo Nordisk A S ADR 670100205 280 2,500 SH   SOLE   0 0 2,500
NVIDIA Corporation COM 67066G104 426 1,447 SH   SOLE   0 0 1,447
OGE Energy Corp COM 670837103 1,593 41,501 SH   SOLE   0 0 41,501
Omnicom Group Inc. COM 681919106 1,071 14,611 SH   SOLE   0 0 14,611
Oracle Corporation COM 68389X105 1,190 13,650 SH   SOLE   0 0 13,650
Parker Hannifin Corporation COM 701094104 1,098 3,451 SH   SOLE   0 0 3,451
PepsiCo Inc COM 713448108 1,345 7,744 SH   SOLE   0 0 7,744
Pfizer Inc COM 717081103 2,205 37,340 SH   SOLE   0 0 37,340
Phillips 66 COM 718546104 678 9,353 SH   SOLE   0 0 9,353
PowerShares QQQ UNIT SER 1 46090E103 575 1,445 SH   SOLE   0 0 1,445
Procter & Gamble Co COM 742718109 397 2,430 SH   SOLE   0 0 2,430
Progressive Corporation COM 743315103 15,587 151,850 SH   SOLE   0 0 151,850
Raytheon Technologies Ord COM 75513E101 691 8,034 SH   SOLE   0 0 8,034
Schwab US Dividend Equity ETF US DIVIDEND EQ 808524797 1,113 13,767 SH   SOLE   0 0 13,767
Schwab US Large-Cap ETF US LRG CAP ETF 808524201 519 4,561 SH   SOLE   0 0 4,561
South St Corp Com COM 840441109 909 11,353 SH   SOLE   0 0 11,353
SPDR S&P 500 TR UNIT 78462F103 10,359 21,810 SH   SOLE   0 0 21,810
SPDR S&P MidCap 400 UTSER1 S&PDCRP 78467Y107 5,239 10,119 SH   SOLE   0 0 10,119
SPDR S&P Dividend ETF S&P DIVID ETF 78464A763 332 2,570 SH   SOLE   0 0 2,570
Square Inc Cl A CL A 852234103 1,188 7,358 SH   SOLE   0 0 7,358
Starbucks Corporation COM 855244109 213 1,817 SH   SOLE   0 0 1,817
Target Corp COM 87612E106 210 909 SH   SOLE   0 0 909
TELUS Corp COM 87971M103 906 38,427 SH   SOLE   0 0 38,427
Texas Instruments Inc. COM 882508104 204 1,082 SH   SOLE   0 0 1,082
Thermo Fisher Scientific Inc COM 883556102 1,106 1,657 SH   SOLE   0 0 1,657
Travelers Companies Inc. COM 89417E109 737 4,710 SH   SOLE   0 0 4,710
Tyson Foods Inc. CL A 902494103 803 9,213 SH   SOLE   0 0 9,213
UGI Corp COM 902681105 1,024 22,296 SH   SOLE   0 0 22,296
UnitedHealth Group Inc COM 91324P102 1,384 2,756 SH   SOLE   0 0 2,756
Vanguard FTSE All World ex-US Small-Cap ETF FTSE SMCAP ETF 922042718 750 5,601 SH   SOLE   0 0 5,601
Vanguard Large Cap ETF LARGE CAP ETF 922908637 904 4,089 SH   SOLE   0 0 4,089
Vanguard Mid-Cap ETF MID CAP ETF 922908629 369 1,448 SH   SOLE   0 0 1,448
Vanguard MSCI Emerging Markets ETF FTSE EMR MKT ETF 922042858 941 19,028 SH   SOLE   0 0 19,028
Vanguard REIT Index ETF REAL ESTATE ETF 922908553 648 5,586 SH   SOLE   0 0 5,586
Vanguard Russell 1000 Value Index ETF VNG RUS1000VAL 92206C714 390 5,290 SH   SOLE   0 0 5,290
Vanguard Total Stock Market ETF TOTAL STK MKT 922908769 2,859 11,840 SH   SOLE   0 0 11,840
Vanguard Value ETF VALUE ETF 922908744 220 1,498 SH   SOLE   0 0 1,498
Verizon Communications Inc COM 92343V104 1,644 31,638 SH   SOLE   0 0 31,638
Visa Inc. COM CL A 92826C839 759 3,503 SH   SOLE   0 0 3,503
Walgreen Boots Alliance Inc Com COM 931427108 1,220 23,390 SH   SOLE   0 0 23,390
Walt Disney Co COM 254687106 338 2,182 SH   SOLE   0 0 2,182
Werner Enterprises Inc COM 950755108 845 17,723 SH   SOLE   0 0 17,723
Zoetis Inc CL A 98978V103 949 3,890 SH   SOLE   0 0 3,890
Bain Capital Specialty Finance Inc COM STK 05684B107 2,480 163,054 SH   SOLE   0 0 163,054
Bank Of America Corp 7.25%CNV PFD L 060505682 568 393 SH   SOLE   0 0 393
FS KKR Capital Corp COM 302635206 283 13,512 SH   SOLE   0 0 13,512
iShares Barclays 1-3 Year Treasury Bond 1 3 YR TREAS BD 464287457 456 5,330 SH   SOLE   0 0 5,330
iShares Barclays TIPS Bond TIPS BD ETF 464287176 3,117 24,125 SH   SOLE   0 0 24,125
iShares Core Total US Bond Market ETF CORE US AGGBD ET 464287226 1,272 11,147 SH   SOLE   0 0 11,147
iShares Floating Rate Note FLTG RATE NT ETF 46429B655 338 6,671 SH   SOLE   0 0 6,671
iShares iBoxx $ Invest Grade Corp Bond IBOXX INV CP ETF 464287242 599 4,523 SH   SOLE   0 0 4,523
iShares Short Maturity Municipal Bd ETF BLACKROCK SHORT 46431W838 1,284 25,630 SH   SOLE   0 0 25,630
iShares Ultra Short-Term Bond ETF BLACKROCK ULTRA 46434V878 1,620 32,157 SH   SOLE   0 0 32,157
iShares US Treasury Bond US TREAS BD ETF 46429B267 211 7,921 SH   SOLE   0 0 7,921
JPMorgan Ultra-Short Income ETF ULTRA SHRT INC 46641Q837 1,812 35,905 SH   SOLE   0 0 35,905
JPMorgan Ultra-Short Municipal Inc ETF ULTRA SHT MUNCPL 46641Q654 236 4,620 SH   SOLE   0 0 4,620
Pennant Park Investment Corp COM 708062104 185 26,645 SH   SOLE   0 0 26,645
PIMCO Enhanced Short Maturity ETF ENHAN SHRT MA AC 72201R833 3,285 32,350 SH   SOLE   0 0 32,350
TCG BDC Inc COM 872280102 2,920 212,667 SH   SOLE   0 0 212,667
Wells Fargo & Co PERP PFD CNV A 949746804 297 199 SH   SOLE   0 0 199
iShares Commodities Select Strategy ETF GSCI CMDTY STGY 46431W853 6,516 211,019 SH   SOLE   0 0 211,019
Pembina Pipeline Corp COM 706327103 658 21,684 SH   SOLE   0 0 21,684