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 1,562 7,864 SH   SOLE   7,864 0 0
ABBOTT LABS COM 002824100 1,257 10,846 SH   SOLE   10,846 0 0
ABBVIE INC COM 00287Y109 1,040 9,234 SH   SOLE   9,234 0 0
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 2,835 9,618 SH   SOLE   9,618 0 0
ALPHABET INC CAP STK CL A 02079K305 657 269 SH   SOLE   269 0 0
ALPHABET INC CAP STK CL C 02079K107 3,471 1,385 SH   SOLE   1,385 0 0
AMAZON COM INC COM 023135106 2,412 701 SH   SOLE   701 0 0
AMERICAN EXPRESS CO COM 025816109 2,052 12,419 SH   SOLE   12,419 0 0
AMERICAN FINL GROUP INC OHIO COM 025932104 519 4,164 SH   SOLE   4,164 0 0
AMGEN INC COM 031162100 1,951 8,003 SH   SOLE   8,003 0 0
AMPHENOL CORP NEW CL A 032095101 402 5,865 SH   SOLE   5,865 0 0
ANALOG DEVICES INC COM 032654105 2,459 14,285 SH   SOLE   14,285 0 0
APPLE INC COM 037833100 5,075 37,053 SH   SOLE   37,053 0 0
ARCH CAP GROUP LTD ORD G0450A105 402 10,324 SH   SOLE   10,324 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103 2,352 11,795 SH   SOLE   11,795 0 0
AUTOZONE INC COM 053332102 1,829 1,226 SH   SOLE   1,226 0 0
AXALTA COATING SYS LTD COM G0750C108 358 11,748 SH   SOLE   11,748 0 0
BECTON DICKINSON & CO COM 075887109 1,683 6,919 SH   SOLE   6,919 0 0
BERKLEY W R CORP COM 084423102 378 5,041 SH   SOLE   5,041 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 3,650 13,135 SH   SOLE   13,135 0 0
BIOGEN INC COM 09062X103 1,150 3,320 SH   SOLE   3,320 0 0
BOEING CO COM 097023105 657 2,742 SH   SOLE   2,742 0 0
BOOZ ALLEN HAMILTON HLDG COR CL A 099502106 413 4,844 SH   SOLE   4,844 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108 1,812 27,123 SH   SOLE   27,123 0 0
BROOKFIELD ASSET MGMT INC CL A LTD VT SH 112585104 489 9,584 SH   SOLE   9,584 0 0
BROWN & BROWN INC COM 115236101 462 8,691 SH   SOLE   8,691 0 0
BROWN FORMAN CORP CL B 115637209 234 3,116 SH   SOLE   3,116 0 0
CARDINAL HEALTH INC COM 14149Y108 326 5,607 SH   SOLE   5,607 0 0
CARMAX INC COM 143130102 483 3,737 SH   SOLE   3,737 0 0
CARRIER GLOBAL CORPORATION COM 14448C104 283 5,806 SH   SOLE   5,806 0 0
CDW CORP COM 12514G108 567 3,249 SH   SOLE   3,249 0 0
CHEVRON CORP NEW COM 166764100 2,515 24,016 SH   SOLE   24,016 0 0
CISCO SYS INC COM 17275R102 2,259 42,614 SH   SOLE   42,614 0 0
CITRIX SYS INC COM 177376100 450 3,841 SH   SOLE   3,841 0 0
COPART INC COM 217204106 593 4,498 SH   SOLE   4,498 0 0
COSTCO WHSL CORP NEW COM 22160K105 1,811 4,578 SH   SOLE   4,578 0 0
CVS HEALTH CORP COM 126650100 2,908 34,846 SH   SOLE   34,846 0 0
DANAHER CORPORATION COM 235851102 2,632 9,801 SH   SOLE   9,801 0 0
DEVON ENERGY CORP NEW COM 25179M103 668 22,876 SH   SOLE   22,876 0 0
DISNEY WALT CO COM 254687106 2,425 13,794 SH   SOLE   13,794 0 0
DOCUSIGN INC COM 256163106 3,233 11,565 SH   SOLE   11,565 0 0
DOLLAR GEN CORP NEW COM 256677105 2,419 11,181 SH   SOLE   11,181 0 0
DOLLAR TREE INC COM 256746108 402 4,042 SH   SOLE   4,042 0 0
EASTMAN CHEM CO COM 277432100 321 2,736 SH   SOLE   2,736 0 0
EBAY INC. COM 278642103 3,187 45,397 SH   SOLE   45,397 0 0
EDWARDS LIFESCIENCES CORP COM 28176E108 639 6,171 SH   SOLE   6,171 0 0
ELANCO ANIMAL HEALTH INC COM 28414H103 355 10,240 SH   SOLE   10,240 0 0
ELECTRONIC ARTS INC COM 285512109 1,289 8,962 SH   SOLE   8,962 0 0
EQT CORP COM 26884L109 432 19,418 SH   SOLE   19,418 0 0
ETF SER SOLUTIONS DISTILLATE US 26922A321 24,415 585,641 SH   SOLE   585,641 0 0
EXELIXIS INC COM 30161Q104 185 10,158 SH   SOLE   10,158 0 0
EXELON CORP COM 30161N101 204 4,606 SH   SOLE   4,606 0 0
EXPEDITORS INTL WASH INC COM 302130109 464 3,669 SH   SOLE   3,669 0 0
EXXON MOBIL CORP COM 30231G102 2,709 42,948 SH   SOLE   42,948 0 0
FACEBOOK INC CL A 30303M102 227 654 SH   SOLE   654 0 0
FASTENAL CO COM 311900104 460 8,842 SH   SOLE   8,842 0 0
FLEXSHARES TR MORNSTAR UPSTR 33939L407 261 6,804 SH   SOLE   6,804 0 0
FLOOR & DECOR HLDGS INC CL A 339750101 389 3,683 SH   SOLE   3,683 0 0
GARTNER INC COM 366651107 370 1,528 SH   SOLE   1,528 0 0
GLACIER BANCORP INC NEW COM 37637Q105 382 6,936 SH   SOLE   6,936 0 0
HOME DEPOT INC COM 437076102 1,345 4,217 SH   SOLE   4,217 0 0
IHS MARKIT LTD SHS G47567105 543 4,819 SH   SOLE   4,819 0 0
INTEL CORP COM 458140100 1,973 35,137 SH   SOLE   35,137 0 0
INVESCO EXCH TRADED FD TR II S&P 500 REVENUE 46138G698 3,316 44,983 SH   SOLE   44,983 0 0
INVESCO EXCH TRADED FD TR II S&P MDCP 400 REV 46138G672 1,796 20,283 SH   SOLE   20,283 0 0
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613 4,377 27,299 SH   SOLE   27,299 0 0
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1500 46137V597 1,005 5,380 SH   SOLE   5,380 0 0
INVESCO EXCHANGE TRADED FD T BUYBACK ACHIEV 46137V308 3,296 36,521 SH   SOLE   36,521 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 1,583 4,460 SH   SOLE   4,460 0 0
ISHARES INC MSCI PAC JP ETF 464286665 569 11,000 SH   SOLE   11,000 0 0
ISHARES INC CORE MSCI EMKT 46434G103 9,381 140,036 SH   SOLE   140,036 0 0
ISHARES TR MSCI USA ESG SLC 464288802 1,213 12,693 SH   SOLE   12,693 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 1,193 4,394 SH   SOLE   4,394 0 0
ISHARES TR MSCI EAFE ETF 464287465 1,173 14,867 SH   SOLE   14,867 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 862 15,626 SH   SOLE   15,626 0 0
ISHARES TR SELECT DIVID ETF 464287168 816 7,000 SH   SOLE   7,000 0 0
ISHARES TR RUS MID CAP ETF 464287499 645 8,137 SH   SOLE   8,137 0 0
ISHARES TR RUS 1000 VAL ETF 464287598 515 3,244 SH   SOLE   3,244 0 0
ISHARES TR IBONDS DEC22 ETF 46434VBA7 399 15,725 SH   SOLE   15,725 0 0
ISHARES TR ESG AWRE 1 5 YR 46435G243 389 14,936 SH   SOLE   14,936 0 0
ISHARES TR NATIONAL MUN ETF 464288414 4,126 35,206 SH   SOLE   35,206 0 0
ISHARES TR IBONDS DEC23 ETF 46434VAX8 300 11,513 SH   SOLE   11,513 0 0
ISHARES TR IBONDS DEC24 ETF 46434VBG4 219 8,292 SH   SOLE   8,292 0 0
ISHARES TR IBONDS DEC25 ETF 46434VBD1 218 8,086 SH   SOLE   8,086 0 0
ISHARES TR CORE MSCI EAFE 46432F842 18,068 241,361 SH   SOLE   241,361 0 0
ISHARES TR CORE S&P SCP ETF 464287804 19,608 173,555 SH   SOLE   173,555 0 0
ISHARES TR CORE S&P MCP ETF 464287507 28,889 107,502 SH   SOLE   107,502 0 0
ISHARES TR IBONDS DEC21 ETF 46434VBK5 217 8,749 SH   SOLE   8,749 0 0
ISHARES TR CORE S&P500 ETF 464287200 42,428 98,689 SH   SOLE   98,689 0 0
J P MORGAN EXCHANGE-TRADED F ULTRA SHRT INC 46641Q837 322 6,353 SH   SOLE   6,353 0 0
J P MORGAN EXCHANGE-TRADED F ULTRA SHT MUNCPL 46641Q654 881 17,253 SH   SOLE   17,253 0 0
JOHNSON & JOHNSON COM 478160104 2,589 15,717 SH   SOLE   15,717 0 0
JPMORGAN CHASE & CO COM 46625H100 3,142 20,201 SH   SOLE   20,201 0 0
KEYSIGHT TECHNOLOGIES INC COM 49338L103 309 2,000 SH   SOLE   2,000 0 0
KROGER CO COM 501044101 1,877 49,007 SH   SOLE   49,007 0 0
LABORATORY CORP AMER HLDGS COM NEW 50540R409 570 2,068 SH   SOLE   2,068 0 0
LIBERTY BROADBAND CORP COM SER C 530307305 537 3,092 SH   SOLE   3,092 0 0
LILLY ELI & CO COM 532457108 480 2,091 SH   SOLE   2,091 0 0
LINDE PLC SHS G5494J103 363 1,255 SH   SOLE   1,255 0 0
LOWES COS INC COM 548661107 1,831 9,439 SH   SOLE   9,439 0 0
M & T BK CORP COM 55261F104 253 1,739 SH   SOLE   1,739 0 0
MARKEL CORP COM 570535104 502 423 SH   SOLE   423 0 0
MCDONALDS CORP COM 580135101 2,036 8,812 SH   SOLE   8,812 0 0
MCKESSON CORP COM 58155Q103 2,106 10,993 SH   SOLE   10,993 0 0
MICROCHIP TECHNOLOGY INC. COM 595017104 374 2,497 SH   SOLE   2,497 0 0
MICROSOFT CORP COM 594918104 4,681 17,280 SH   SOLE   17,280 0 0
NIKE INC CL B 654106103 577 3,729 SH   SOLE   3,729 0 0
NORTHERN TR CORP COM 665859104 1,969 16,943 SH   SOLE   16,943 0 0
NUSHARES ETF TR NUVEEN ESG SMLCP 67092P607 404 8,942 SH   SOLE   8,942 0 0
OMNICOM GROUP INC COM 681919106 335 4,151 SH   SOLE   4,151 0 0
ORACLE CORP COM 68389X105 2,412 30,983 SH   SOLE   30,983 0 0
OREILLY AUTOMOTIVE INC COM 67103H107 489 863 SH   SOLE   863 0 0
OTIS WORLDWIDE CORP COM 68902V107 237 2,903 SH   SOLE   2,903 0 0
PALO ALTO NETWORKS INC COM 697435105 480 1,293 SH   SOLE   1,293 0 0
PAYPAL HLDGS INC COM 70450Y103 2,942 10,094 SH   SOLE   10,094 0 0
PEPSICO INC COM 713448108 1,964 13,258 SH   SOLE   13,258 0 0
PFIZER INC COM 717081103 2,586 66,033 SH   SOLE   66,033 0 0
PNC FINL SVCS GROUP INC COM 693475105 2,756 14,446 SH   SOLE   14,446 0 0
PROCTER AND GAMBLE CO COM 742718109 1,531 11,350 SH   SOLE   11,350 0 0
PROGRESSIVE CORP COM 743315103 2,742 27,922 SH   SOLE   27,922 0 0
QORVO INC COM 74736K101 415 2,121 SH   SOLE   2,121 0 0
QUALCOMM INC COM 747525103 2,746 19,209 SH   SOLE   19,209 0 0
RAYTHEON TECHNOLOGIES CORP COM 75513E101 498 5,843 SH   SOLE   5,843 0 0
REGIONS FINANCIAL CORP NEW COM 7591EP100 333 16,360 SH   SOLE   16,360 0 0
REINSURANCE GRP OF AMERICA I COM NEW 759351604 385 3,374 SH   SOLE   3,374 0 0
RLI CORP COM 749607107 324 3,100 SH   SOLE   3,100 0 0
ROSS STORES INC COM 778296103 400 3,225 SH   SOLE   3,225 0 0
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730 9,629 298,585 SH   SOLE   298,585 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 270 3,570 SH   SOLE   3,570 0 0
SCHWAB STRATEGIC TR INTRM TRM TRES 808524854 13,945 245,214 SH   SOLE   245,214 0 0
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763 17,433 320,510 SH   SOLE   320,510 0 0
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755 18,949 569,395 SH   SOLE   569,395 0 0
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771 32,213 588,680 SH   SOLE   588,680 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870 4,989 79,810 SH   SOLE   79,810 0 0
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886 632 10,000 SH   SOLE   10,000 0 0
SELECT SECTOR SPDR TR ENERGY 81369Y506 4,616 85,688 SH   SOLE   85,688 0 0
SMITH A O CORP COM 831865209 504 7,000 SH   SOLE   7,000 0 0
SMUCKER J M CO COM NEW 832696405 1,536 11,856 SH   SOLE   11,856 0 0
SONY CORP SPONSORED ADR 835699307 292 3,000 SH   SOLE   3,000 0 0
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109 1,140 3,300 SH   SOLE   3,300 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 6,630 15,440 SH   SOLE   15,440 0 0
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 3,371 6,847 SH   SOLE   6,847 0 0
SPDR SER TR S&P 600 SMCP VAL 78464A300 4,748 55,399 SH   SOLE   55,399 0 0
SPDR SER TR PORTFOLIO SHORT 78464A474 380 12,145 SH   SOLE   12,145 0 0
SPDR SER TR S&P DIVID ETF 78464A763 236 1,930 SH   SOLE   1,930 0 0
STARBUCKS CORP COM 855244109 1,444 12,913 SH   SOLE   12,913 0 0
STRYKER CORPORATION COM 863667101 1,921 7,377 SH   SOLE   7,377 0 0
TE CONNECTIVITY LTD REG SHS H84989104 350 2,589 SH   SOLE   2,589 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102 518 1,026 SH   SOLE   1,026 0 0
TRIMTABS ETF TR US FREE CASH FLW 89628W302 2,396 44,853 SH   SOLE   44,853 0 0
TRUIST FINL CORP COM 89832Q109 2,120 38,190 SH   SOLE   38,190 0 0
ULTA BEAUTY INC COM 90384S303 328 948 SH   SOLE   948 0 0
UNIVERSAL HLTH SVCS INC CL B 913903100 291 1,989 SH   SOLE   1,989 0 0
US BANCORP DEL COM NEW 902973304 647 11,281 SH   SOLE   11,281 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 2,664 11,957 SH   SOLE   11,957 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 1,959 4,962 SH   SOLE   4,962 0 0
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 4,527 33,176 SH   SOLE   33,176 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 1,483 23,397 SH   SOLE   23,397 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 7,141 129,135 SH   SOLE   129,135 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 27,375 330,978 SH   SOLE   330,978 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 29,851 192,849 SH   SOLE   192,849 0 0
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 773 15,000 SH   SOLE   15,000 0 0
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 633 6,040 SH   SOLE   6,040 0 0
VANGUARD WORLD FD ESG INTL STK ETF 921910725 335 5,216 SH   SOLE   5,216 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 1,481 26,428 SH   SOLE   26,428 0 0
VISA INC COM CL A 92826C839 2,691 11,510 SH   SOLE   11,510 0 0
XILINX INC COM 983919101 2,056 14,213 SH   SOLE   14,213 0 0
ZEBRA TECHNOLOGIES CORPORATI CL A 989207105 424 800 SH   SOLE   800 0 0
ZIMMER BIOMET HOLDINGS INC COM 98956P102 264 1,641 SH   SOLE   1,641 0 0
ZOETIS INC CL A 98978V103 396 2,124 SH   SOLE   2,124 0 0