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
NUTRIEN LTD COM 67077M108 489 15,221 SH   SOLE   0 0 15,221
RESTAURANT BRANDS INTL INC COM 76131D103 231 4,220 SH   SOLE   0 0 4,220
SPDR SER TR PORTFOLIO SH TSR 78468R101 429 13,953 SH   SOLE   0 0 13,953
ARISTA NETWORKS INC COM 040413106 611 2,910 SH   SOLE   0 0 2,910
AMAZON COM INC COM 023135106 1,413 512 SH   SOLE   0 0 512
TRACTOR SUPPLY CO COM 892356106 296 2,243 SH   SOLE   0 0 2,243
PHILIP MORRIS INTL INC COM 718172109 604 8,622 SH   SOLE   0 0 8,622
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 305 1,709 SH   SOLE   0 0 1,709
SALESFORCE COM INC COM 79466L302 216 1,154 SH   SOLE   0 0 1,154
FEDEX CORP COM 31428X106 347 2,472 SH   SOLE   0 0 2,472
ISHARES TR IBOXX HI YD ETF 464288513 3,635 44,539 SH   SOLE   0 0 44,539
INVESCO EXCH TRD SLF IDX FD BULSHS 2020 CB 46138J502 426 20,000 SH   SOLE   0 0 20,000
ORACLE CORP COM 68389X105 497 8,995 SH   SOLE   0 0 8,995
MICROCHIP TECHNOLOGY INC. COM 595017104 3,193 30,317 SH   SOLE   0 0 30,317
CATERPILLAR INC DEL COM 149123101 994 7,857 SH   SOLE   0 0 7,857
SPDR SER TR BLOOMBERG BRCLYS 78468R622 1,230 12,163 SH   SOLE   0 0 12,163
ISHARES TR SH TR CRPORT ETF 464288646 6,349 116,047 SH   SOLE   0 0 116,047
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 2,730 33,028 SH   SOLE   0 0 33,028
SOUTHERN CO COM 842587107 422 8,142 SH   SOLE   0 0 8,142
DISNEY WALT CO COM DISNEY 254687106 377 3,380 SH   SOLE   0 0 3,380
CONOCOPHILLIPS COM 20825C104 620 14,746 SH   SOLE   0 0 14,746
FORD MTR CO DEL COM 345370860 133 21,934 SH   SOLE   0 0 21,934
SNAP ON INC COM 833034101 357 2,576 SH   SOLE   0 0 2,576
BRITISH AMERN TOB PLC SPONSORED ADR 110448107 752 19,363 SH   SOLE   0 0 19,363
UNION PAC CORP COM 907818108 1,028 6,079 SH   SOLE   0 0 6,079
CONSTELLATION BRANDS INC CL A 21036P108 341 1,947 SH   SOLE   0 0 1,947
ISHARES TR FLTG RATE NT ETF 46429B655 10,114 199,911 SH   SOLE   0 0 199,911
AMERICAN ELEC PWR CO INC COM 025537101 961 12,061 SH   SOLE   0 0 12,061
ISHARES TR 0-5YR INVT GR CP 46434V100 16,262 312,018 SH   SOLE   0 0 312,018
CAPITAL ONE FINL CORP COM 14040H105 283 4,515 SH   SOLE   0 0 4,515
ISHARES TR S&P 500 GRWT ETF 464287309 24,957 120,282 SH   SOLE   0 0 120,282
NORFOLK SOUTHERN CORP COM 655844108 1,666 9,489 SH   SOLE   0 0 9,489
SPDR SER TR PORTFOLIO INTRMD 78464A375 5,554 152,027 SH   SOLE   0 0 152,027
VANGUARD INDEX FDS SML CP GRW ETF 922908595 2,624 13,149 SH   SOLE   0 0 13,149
BCE INC COM NEW 05534B760 788 18,861 SH   SOLE   0 0 18,861
ISHARES TR SHRT NAT MUN ETF 464288158 2,544 23,587 SH   SOLE   0 0 23,587
MCDONALDS CORP COM 580135101 950 5,151 SH   SOLE   0 0 5,151
INTERPUBLIC GROUP COS INC COM 460690100 217 12,628 SH   SOLE   0 0 12,628
LAM RESEARCH CORP COM 512807108 2,001 6,185 SH   SOLE   0 0 6,185
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 2,430 72,612 SH   SOLE   0 0 72,612
ISHARES TR CORE DIV GRWTH 46434V621 2,982 79,316 SH   SOLE   0 0 79,316
PFIZER INC COM 717081103 1,306 39,950 SH   SOLE   0 0 39,950
KELLOGG CO COM 487836108 676 10,227 SH   SOLE   0 0 10,227
LILLY ELI & CO COM 532457108 1,949 11,871 SH   SOLE   0 0 11,871
ISHARES TR IBOXX INV CP ETF 464287242 4,423 32,882 SH   SOLE   0 0 32,882
ISHARES TR CORE MSCI EAFE 46432F842 14,464 253,037 SH   SOLE   0 0 253,037
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 205 955 SH   SOLE   0 0 955
KIMBERLY CLARK CORP COM 494368103 214 1,514 SH   SOLE   0 0 1,514
UNILEVER PLC SPON ADR NEW 904767704 344 6,273 SH   SOLE   0 0 6,273
ABBOTT LABS COM 002824100 549 6,000 SH   SOLE   0 0 6,000
BLACKROCK INC COM 09247X101 425 782 SH   SOLE   0 0 782
MONDELEZ INTL INC CL A 609207105 852 16,671 SH   SOLE   0 0 16,671
DTE ENERGY CO COM 233331107 599 5,576 SH   SOLE   0 0 5,576
CORTEVA INC COM 22052L104 272 10,159 SH   SOLE   0 0 10,159
PAYPAL HLDGS INC COM 70450Y103 1,755 10,072 SH   SOLE   0 0 10,072
INFOSYS LTD SPONSORED ADR 456788108 179 18,559 SH   SOLE   0 0 18,559
HD SUPPLY HLDGS INC COM 40416M105 383 11,046 SH   SOLE   0 0 11,046
TARGET CORP COM 87612E106 1,803 15,031 SH   SOLE   0 0 15,031
SMUCKER J M CO COM NEW 832696405 1,127 10,655 SH   SOLE   0 0 10,655
PROCTER AND GAMBLE CO COM 742718109 795 6,649 SH   SOLE   0 0 6,649
LAS VEGAS SANDS CORP COM 517834107 332 7,297 SH   SOLE   0 0 7,297
STARBUCKS CORP COM 855244109 2,204 29,952 SH   SOLE   0 0 29,952
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 4,643 168,096 SH   SOLE   0 0 168,096
ISHARES TR EAFE SML CP ETF 464288273 1,964 36,620 SH   SOLE   0 0 36,620
WYNN RESORTS LTD COM 983134107 423 5,683 SH   SOLE   0 0 5,683
SPDR SER TR PORTFOLIO SHORT 78464A474 5,729 182,801 SH   SOLE   0 0 182,801
QUEST DIAGNOSTICS INC COM 74834L100 383 3,358 SH   SOLE   0 0 3,358
AMERICAN CAMPUS CMNTYS INC COM 024835100 235 6,727 SH   SOLE   0 0 6,727
WALMART INC COM 931142103 270 2,254 SH   SOLE   0 0 2,254
SPDR INDEX SHS FDS S&P INTL SMLCP 78463X871 956 34,955 SH   SOLE   0 0 34,955
US BANCORP DEL COM NEW 902973304 935 25,398 SH   SOLE   0 0 25,398
BRISTOL-MYERS SQUIBB CO COM 110122108 409 6,951 SH   SOLE   0 0 6,951
ISHARES TR 1 3 YR TREAS BD 464287457 2,616 30,209 SH   SOLE   0 0 30,209
BROADCOM INC COM 11135F101 517 1,639 SH   SOLE   0 0 1,639
ACTIVISION BLIZZARD INC COM 00507V109 1,073 14,133 SH   SOLE   0 0 14,133
VANGUARD INDEX FDS GROWTH ETF 922908736 1,814 8,975 SH   SOLE   0 0 8,975
GOLDMAN SACHS GROUP INC COM 38141G104 1,106 5,598 SH   SOLE   0 0 5,598
VISA INC COM CL A 92826C839 586 3,034 SH   SOLE   0 0 3,034
GENUINE PARTS CO COM 372460105 219 2,518 SH   SOLE   0 0 2,518
KRAFT HEINZ CO COM 500754106 1,020 31,986 SH   SOLE   0 0 31,986
UNITED RENTALS INC COM 911363109 500 3,358 SH   SOLE   0 0 3,358
NIKE INC CL B 654106103 318 3,246 SH   SOLE   0 0 3,246
SPDR S&P 500 ETF TR TR UNIT 78462F103 875 2,836 SH   SOLE   0 0 2,836
KANSAS CITY SOUTHERN COM NEW 485170302 230 1,541 SH   SOLE   0 0 1,541
US ECOLOGY INC COM 91734M103 334 9,844 SH   SOLE   0 0 9,844
VANGUARD INDEX FDS SM CP VAL ETF 922908611 1,079 10,095 SH   SOLE   0 0 10,095
EATON CORP PLC SHS G29183103 216 2,464 SH   SOLE   0 0 2,464
HOME DEPOT INC COM 437076102 885 3,531 SH   SOLE   0 0 3,531
ISHARES TR 0-5YR HI YL CP 46434V407 11,736 273,638 SH   SOLE   0 0 273,638
SPDR SER TR S&P 600 SMCP VAL 78464A300 3,465 70,534 SH   SOLE   0 0 70,534
SPDR SER TR PRTFLO S&P500 GW 78464A409 4,482 99,774 SH   SOLE   0 0 99,774
VERIZON COMMUNICATIONS INC COM 92343V104 1,802 32,691 SH   SOLE   0 0 32,691
ISHARES INC CORE MSCI EMKT 46434G103 6,974 146,513 SH   SOLE   0 0 146,513
ALLETE INC COM NEW 018522300 221 4,050 SH   SOLE   0 0 4,050
TORONTO DOMINION BK ONT COM NEW 891160509 378 8,473 SH   SOLE   0 0 8,473
APPLE INC COM 037833100 1,451 3,977 SH   SOLE   0 0 3,977
ISHARES TR S&P SML 600 GWT 464287887 8,219 48,406 SH   SOLE   0 0 48,406
DEERE & CO COM 244199105 953 6,067 SH   SOLE   0 0 6,067
COCA COLA CO COM 191216100 310 6,928 SH   SOLE   0 0 6,928
ISHARES TR JPMORGAN USD EMG 464288281 11,893 108,887 SH   SOLE   0 0 108,887
VANGUARD INDEX FDS SMALL CP ETF 922908751 760 5,216 SH   SOLE   0 0 5,216
AGCO CORP COM 001084102 824 14,857 SH   SOLE   0 0 14,857
DUPONT DE NEMOURS INC COM 26614N102 481 9,055 SH   SOLE   0 0 9,055
BANK HAWAII CORP COM 062540109 369 6,002 SH   SOLE   0 0 6,002
ABBVIE INC COM 00287Y109 2,122 21,617 SH   SOLE   0 0 21,617
KINDER MORGAN INC DEL COM 49456B101 501 33,022 SH   SOLE   0 0 33,022
ISHARES TR SP SMCP600VL ETF 464287879 16,183 134,440 SH   SOLE   0 0 134,440
ISHARES TR MSCI EAFE ETF 464287465 2,413 39,638 SH   SOLE   0 0 39,638
VANGUARD TAX-MANAGED FDS FTSE DEV MKT ETF 921943858 1,026 26,455 SH   SOLE   0 0 26,455
DIAGEO P L C SPON ADR NEW 25243Q205 883 6,571 SH   SOLE   0 0 6,571
DOMINION ENERGY INC COM 25746U109 306 3,774 SH   SOLE   0 0 3,774
TEXAS INSTRS INC COM 882508104 1,715 13,506 SH   SOLE   0 0 13,506
ISHARES TR CORE MSCI INTL 46435G326 1,781 34,850 SH   SOLE   0 0 34,850
GILEAD SCIENCES INC COM 375558103 302 3,922 SH   SOLE   0 0 3,922
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 662 13,897 SH   SOLE   0 0 13,897
UNITED PARCEL SERVICE INC CL B 911312106 582 5,238 SH   SOLE   0 0 5,238
ANHEUSER BUSCH INBEV SA/NV SPONSORED ADR 03524A108 322 6,528 SH   SOLE   0 0 6,528
JOHNSON & JOHNSON COM 478160104 1,877 13,347 SH   SOLE   0 0 13,347
MERCK & CO. INC COM 58933Y105 1,501 19,409 SH   SOLE   0 0 19,409
WASTE MGMT INC DEL COM 94106L109 224 2,119 SH   SOLE   0 0 2,119
INTEL CORP COM 458140100 2,559 42,773 SH   SOLE   0 0 42,773
TRUIST FINL CORP COM 89832Q109 356 9,483 SH   SOLE   0 0 9,483
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 548 13,833 SH   SOLE   0 0 13,833
COGNIZANT TECHNOLOGY SOLUTIO CL A 192446102 318 5,600 SH   SOLE   0 0 5,600
LOCKHEED MARTIN CORP COM 539830109 723 1,980 SH   SOLE   0 0 1,980
JPMORGAN CHASE & CO COM 46625H100 782 8,318 SH   SOLE   0 0 8,318
VANGUARD INDEX FDS VALUE ETF 922908744 1,618 16,244 SH   SOLE   0 0 16,244
ISHARES TR S&P 500 VAL ETF 464287408 23,510 217,264 SH   SOLE   0 0 217,264
DIGITAL RLTY TR INC COM 253868103 541 3,806 SH   SOLE   0 0 3,806
3M CO COM 88579Y101 682 4,372 SH   SOLE   0 0 4,372
MICROSOFT CORP COM 594918104 5,542 27,231 SH   SOLE   0 0 27,231
CISCO SYS INC COM 17275R102 454 9,741 SH   SOLE   0 0 9,741
ISHARES TR CORE S&P SCP ETF 464287804 1,125 16,473 SH   SOLE   0 0 16,473
ISHARES TR INTRM TR CRP ETF 464288638 1,242 20,576 SH   SOLE   0 0 20,576
OMNICOM GROUP INC COM 681919106 444 8,123 SH   SOLE   0 0 8,123
BOK FINL CORP COM NEW 05561Q201 666 11,802 SH   SOLE   0 0 11,802
ILLUMINA INC COM 452327109 601 1,623 SH   SOLE   0 0 1,623
EXXON MOBIL CORP COM 30231G102 235 5,260 SH   SOLE   0 0 5,260
BK OF AMERICA CORP COM 060505104 859 36,170 SH   SOLE   0 0 36,170
SPDR SER TR PRTFLO S&P500 VL 78464A508 4,089 141,081 SH   SOLE   0 0 141,081
PEPSICO INC COM 713448108 587 4,440 SH   SOLE   0 0 4,440
MOLSON COORS BEVERAGE CO CL B 60871R209 325 9,470 SH   SOLE   0 0 9,470
CYRUSONE INC COM 23283R100 1,252 17,208 SH   SOLE   0 0 17,208
ALBEMARLE CORP COM 012653101 695 8,999 SH   SOLE   0 0 8,999
SPDR SER TR S&P 600 SMCP GRW 78464A201 1,617 28,484 SH   SOLE   0 0 28,484
ZOETIS INC CL A 98978V103 407 2,968 SH   SOLE   0 0 2,968
CULLEN FROST BANKERS INC COM 229899109 968 12,958 SH   SOLE   0 0 12,958
ZIMMER BIOMET HOLDINGS INC COM 98956P102 522 4,371 SH   SOLE   0 0 4,371
HOLLYSYS AUTOMATION TCHNGY L SHS G45667105 413 31,059 SH   SOLE   0 0 31,059
BIOGEN INC COM 09062X103 333 1,246 SH   SOLE   0 0 1,246
TYSON FOODS INC CL A 902494103 632 10,585 SH   SOLE   0 0 10,585
BANK MONTREAL QUE COM 063671101 395 7,442 SH   SOLE   0 0 7,442
AT&T INC COM 00206R102 1,280 42,349 SH   SOLE   0 0 42,349
RPM INTL INC COM 749685103 1,020 13,588 SH   SOLE   0 0 13,588
ISHARES TR SHORT TREAS BD 464288679 1,836 16,582 SH   SOLE   0 0 16,582
ALPHABET INC CAP STK CL C 02079K107 755 534 SH   SOLE   0 0 534
FLEX LTD ORD Y2573F102 132 12,926 SH   SOLE   0 0 12,926
ANALOG DEVICES INC COM 032654105 447 3,641 SH   SOLE   0 0 3,641
CHEVRON CORP NEW COM 166764100 393 4,407 SH   SOLE   0 0 4,407
ALPHABET INC CAP STK CL A 02079K305 506 357 SH   SOLE   0 0 357
PUBLIC SVC ENTERPRISE GRP IN COM 744573106 932 18,956 SH   SOLE   0 0 18,956
EBAY INC. COM 278642103 268 5,118 SH   SOLE   0 0 5,118
CENTENE CORP DEL COM 15135B101 598 9,417 SH   SOLE   0 0 9,417
AMGEN INC COM 031162100 255 1,081 SH   SOLE   0 0 1,081
INVESCO EXCH TRADED FD TR II EMRNG MKT SVRG 46138E784 4,326 161,529 SH   SOLE   0 0 161,529
ARCHER DANIELS MIDLAND CO COM 039483102 664 16,643 SH   SOLE   0 0 16,643
CERNER CORP COM 156782104 421 6,147 SH   SOLE   0 0 6,147
ELECTRONIC ARTS INC COM 285512109 610 4,621 SH   SOLE   0 0 4,621