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
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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 MMM 88579Y101 246 1,275 SH   SOLE 1,275 0 0
Aberdeen Std Gold ETF TR Physical Swiss Gold Shares SGOL 00326A104 270 16,460 SH   SOLE 16,460 0 0
Alibaba Group Holding F Sponsored Adr BABA 01609W102 216 953 SH   SOLE 953 0 0
Alphabet Inc. Class A GOOGL 02079K305 621 301 SH   SOLE 301 0 0
Amazon.com Inc. AMZN 023135106 2,073 670 SH   SOLE 670 0 0
Amgen Inc. AMGN 031162100 373 1,500 SH   SOLE 1,500 0 0
Annaly Capital Mgmt Reit NLY 035710409 187 21,750 SH   SOLE 21,750 0 0
Apple Inc. AAPL 037833100 4,305 35,247 SH   SOLE 35,247 0 0
Arista Networks Inc ANET 040413106 1,298 4,300 SH   SOLE 4,300 0 0
Asml Hldgs Nv F Sponsored Adr ASML N07059210 216 350 SH   SOLE 350 0 0
Berkshire Hathaway Inc. New Com BRKB 084670702 416 1,630 SH   SOLE 1,630 0 0
Caterpillar Inc. Common Stock CAT 149123101 835 3,600 SH   SOLE 3,600 0 0
Cisco Systems Inc. CSCO 17275R102 442 8,547 SH   SOLE 8,547 0 0
CVS Health Corporation Common S CVS 126650100 427 5,681 SH   SOLE 5,681 0 0
Duke Energy Corporation (Holdin DUK 26441C204 422 4,374 SH   SOLE 4,374 0 0
Edwards Lifesciences EW 28176E108 497 5,946 SH   SOLE 5,946 0 0
Goldman Sachs Active Beta US Large Cap GSLC 381430503 379 4,794 SH   SOLE 4,794 0 0
Guggenheim S&P 500 Equal Weight (RSP) RSP 46137V357 240 1,694 SH   SOLE 1,694 0 0
Healthier Choices Manage HCMC 42226N109 0 113,750 SH   SOLE 113,750 0 0
Honeywell Intl Inc HON 438516106 270 1,244 SH   SOLE 1,244 0 0
Intel Corporation INTC 458140100 499 7,803 SH   SOLE 7,803 0 0
Invesco Qqq Trust QQQ 73935A104 4,033 12,638 SH   SOLE 12,638 0 0
iShares Cohen & Steers REIT ETF ICF 464287564 1,226 21,208 SH   SOLE 21,208 0 0
iShares Core MSCI Total Intl Stk IXUS 46432F834 9,588 136,431 SH   SOLE 136,431 0 0
iShares Core S&P Small-Cap ETF IJR 464287804 675 6,216 SH   SOLE 6,216 0 0
Ishares Core Us Growth Etf IUSG 464287671 1,607 17,704 SH   SOLE 17,704 0 0
iShares Edge MSCI USA Quality F QUAL 46432F339 1,153 9,467 SH   SOLE 9,467 0 0
Ishares Esg Msci Eafe Etf ESGD 46435G516 1,513 19,931 SH   SOLE 19,931 0 0
Ishares Esg Msci Em Etf Iv ESGE 46434G863 1,631 37,670 SH   SOLE 37,670 0 0
Ishares Global Clean Energy Etf ICLN 464288224 851 35,017 SH   SOLE 35,017 0 0
iShares Global Healthcare ETF IXJ 464287325 1,673 21,708 SH   SOLE 21,708 0 0
ishares Gold Trust IAU 464285105 5,685 349,615 SH   SOLE 349,615 0 0
iShares J.P. Morgan USD Emergin EMB 464288281 788 7,233 SH   SOLE 7,233 0 0
iShares KLD 400 Social Index DSI 464288570 1,068 13,982 SH   SOLE 13,982 0 0
iShares MSCI EAFE Growth ETF EFG 464288885 311 3,095 SH   SOLE 3,095 0 0
Ishares MSCI Global Gold Miners EFT RING 46434G855 427 15,607 SH   SOLE 15,607 0 0
Ishares MSCI UDA ESG Optimiized EFT ESGU 46435G425 1,075 11,827 SH   SOLE 11,827 0 0
Ishares Msci Usa Esg Select Etf SUSA 464288802 239 2,720 SH   SOLE 2,720 0 0
iShares Nasdaq Biotechnology In IBB 464287556 1,904 12,645 SH   SOLE 12,645 0 0
Ishares National Muni Bond Etf MUB 464288414 2,366 20,384 SH   SOLE 20,384 0 0
Ishares Preferred Income Sec Etf PFF 464288687 293 7,629 SH   SOLE 7,629 0 0
iShares Russell 1000 Growth ETF IWF 464287614 6,193 25,481 SH   SOLE 25,481 0 0
Ishares Russell Mid Cap Growth Etf IWP 464287481 357 3,500 SH   SOLE 3,500 0 0
iShares S&P 500 Index IVV 464287200 600 1,507 SH   SOLE 1,507 0 0
iShares S&P 500 Value ETF IVE 464287408 520 3,682 SH   SOLE 3,682 0 0
ISHARES S&P GSTI TECHNOLOGY I (IGM IGM 464287549 4,949 13,715 SH   SOLE 13,715 0 0
iShares S&P SmallCap 600 Growth IJT 464287887 1,890 14,738 SH   SOLE 14,738 0 0
iShares Select Dividend ETF DVY 464287168 9,522 83,454 SH   SOLE 83,454 0 0
Ishares Short Term Ntnl Mun Bnd Etf SUB 464288158 1,024 9,500 SH   SOLE 9,500 0 0
Ishares Short Treasury Bond Etf SHV 464288679 4,827 43,676 SH   SOLE 43,676 0 0
Ishares Ultra Short Term Bond Etf ICSH 46434V878 328 6,500 SH   SOLE 6,500 0 0
J P Morgan Chase & Co JPM 46625H100 204 1,342 SH   SOLE 1,342 0 0
Johnson & Johnson Common Stock JNJ 478160104 1,419 8,631 SH   SOLE 8,631 0 0
Lockheed Martin Corp LMT 539830109 221 597 SH   SOLE 597 0 0
Medtronic plc. Ordinary Shares MDT G5960L103 326 2,763 SH   SOLE 2,763 0 0
Merck & Company Inc. Common St MRK 58933Y105 242 3,144 SH   SOLE 3,144 0 0
Microsoft Corporation MSFT 594918104 1,339 5,681 SH   SOLE 5,681 0 0
Nestle S A F Sponsored Adr NSRGY 641069406 253 2,265 SH   SOLE 2,265 0 0
Nuveen Esg Small Cap Etf NUSC 67092P607 450 10,457 SH   SOLE 10,457 0 0
Pepsico Inc. Common Stock PEP 713448108 353 2,499 SH   SOLE 2,499 0 0
Philip Morris International Inc PM 718172109 763 8,600 SH   SOLE 8,600 0 0
PIMCO Active Bond ETF BOND 72201R775 249 2,277 SH   SOLE 2,277 0 0
Powershares Momentum Factor MTUM 46432F396 1,587 9,863 SH   SOLE 9,863 0 0
Procter & Gamble Company (The) PG 742718109 611 4,514 SH   SOLE 4,514 0 0
Rio Tinto Plc F Sponsored Adr RIO G75754104 233 3,000 SH   SOLE 3,000 0 0
Schwab High Dividend ETF SCHD 808524797 2,687 36,845 SH   SOLE 36,845 0 0
Schwab International Equity Etf SCHF 808524805 252 6,700 SH   SOLE 6,700 0 0
Schwab Internatnal Small Cap Eqy Etf SCHC 808524888 252 6,402 SH   SOLE 6,402 0 0
Schwab Us Tips Etf SCHP 808524870 2,907 47,532 SH   SOLE 47,532 0 0
Snowflake Inc Class A SNOW 833445109 897 3,914 SH   SOLE 3,914 0 0
Southern Co SO 842587107 878 14,124 SH   SOLE 14,124 0 0
Spdr Bloomberg Barclays 1-3 Month T-bill Etf BIL 78468R663 247 2,700 SH   SOLE 2,700 0 0
SPDR Gold Shares (GLD) GLD 78463V107 812 5,078 SH   SOLE 5,078 0 0
SPDR Nuveen S&P High Yield Muni Bd ETF HYMB 78464A284 267 4,500 SH   SOLE 4,500 0 0
SPDR S&P 500 SPY 78462F103 1,848 4,663 SH   SOLE 4,663 0 0
Tencent Holdings F Sponsored Adr TCEHY 88032Q109 279 3,500 SH   SOLE 3,500 0 0
VanEck Vectors Gold Miners ETF GDX 92189F106 1,146 35,260 SH   SOLE 35,260 0 0
Vanguard Dividend Appreciation ETF VIG 921908844 7,008 47,645 SH   SOLE 47,645 0 0
Vanguard Emerging Markets Bond Index VWOB 921946885 485 6,252 SH   SOLE 6,252 0 0
Vanguard Esg International Stock Etf VSGX 921910725 1,933 31,493 SH   SOLE 31,493 0 0
Vanguard Esg U.S. Stock Etf ESGV 921910733 1,976 26,792 SH   SOLE 26,792 0 0
Vanguard Financials ETF (VFH VFH 92204A405 246 2,915 SH   SOLE 2,915 0 0
Vanguard Ftse All World Ex Us Etf VEU 922042775 756 12,457 SH   SOLE 12,457 0 0
Vanguard FTSE Developed Markets ETF VEA 921943858 1,082 22,022 SH   SOLE 22,022 0 0
Vanguard Ftse Emerging Markets Etf VWO 922042858 3,164 60,789 SH   SOLE 60,789 0 0
Vanguard Ftse Europe Etf VGK 922042874 506 8,035 SH   SOLE 8,035 0 0
Vanguard Ftse Pacific Etf VPL 922042866 498 6,099 SH   SOLE 6,099 0 0
Vanguard Growth Etf VUG 922908736 47,547 184,978 SH   SOLE 184,978 0 0
Vanguard Health Care Etf VHT 92204A504 4,597 20,097 SH   SOLE 20,097 0 0
Vanguard High Dividend Yield Indx ETF VYM 921946406 29,833 295,113 SH   SOLE 295,113 0 0
Vanguard Information Technology ETF VGT 92204A702 13,245 36,947 SH   SOLE 36,947 0 0
Vanguard Intermediate Term Bond Etf BIV 921937819 4,173 47,031 SH   SOLE 47,031 0 0
Vanguard Interm-Tm Corp Bd Idx ETF VCIT 92206C870 10,832 116,438 SH   SOLE 116,438 0 0
Vanguard Long-term Bond Etf BLV 921937793 1,664 16,953 SH   SOLE 16,953 0 0
Vanguard Long-Term Corp Bond Idx ETF VCLT 92206C813 8,429 83,250 SH   SOLE 83,250 0 0
Vanguard Mega Cap Growth Etf MGK 921910816 799 3,861 SH   SOLE 3,861 0 0
Vanguard Mid-Cap ETF VO 922908629 2,183 9,862 SH   SOLE 9,862 0 0
Vanguard Mid-Cap Growth ETF - D VOT 922908538 2,950 13,747 SH   SOLE 13,747 0 0
Vanguard Mid-Cap Value ETF VOE 922908512 2,546 18,876 SH   SOLE 18,876 0 0
Vanguard Real Estate Etf VNQ 922908553 2,328 25,341 SH   SOLE 25,341 0 0
Vanguard S&p 500 Etf VOO 922908363 2,687 7,375 SH   SOLE 7,375 0 0
Vanguard Short Term Bond Index BSV 921937827 6,662 81,056 SH   SOLE 81,056 0 0
Vanguard Short Term Treasury Etf VGSH 92206C102 5,800 94,286 SH   SOLE 94,286 0 0
Vanguard Short-Term Corp Bd Idx ETF VCSH 92206C409 10,714 129,868 SH   SOLE 129,868 0 0
Vanguard Short-Term Infl-Prot Secs ETF` VTIP 922020805 3,709 71,973 SH   SOLE 71,973 0 0
Vanguard Small Cap ETF VB 922908751 3,862 18,039 SH   SOLE 18,039 0 0
Vanguard Small-Cap Value ETF VBR 922908611 3,720 22,464 SH   SOLE 22,464 0 0
Vanguard Tax-Exempt Bond ETF VTEB 922907746 301 5,500 SH   SOLE 5,500 0 0
Vanguard Total Bond Market ETF BND 921937835 4,513 53,266 SH   SOLE 53,266 0 0
Vanguard Total International Stock E VXUS 921909768 17,936 286,055 SH   SOLE 286,055 0 0
Vanguard Total Stock Market Etf VTI 922908769 1,215 5,879 SH   SOLE 5,879 0 0
Vanguard Utilities Etf VPU 92204A876 245 1,742 SH   SOLE 1,742 0 0
Vanguard Value ETF VTV 922908744 11,795 89,726 SH   SOLE 89,726 0 0
Verizon Communications VZ 92343V104 311 5,343 SH   SOLE 5,343 0 0
Walmart Inc WMT 931142103 1,050 7,732 SH   SOLE 7,732 0 0
Walt Disney Co DIS 254687106 228 1,236 SH   SOLE 1,236 0 0