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 Company com 88579Y101 917 5,879 SH   SOLE 0 917 0 0
A T & T Inc. com 00206R102 1,356 44,867 SH   SOLE 0 1,356 0 0
Abbott Laboratories com 002824100 271 2,961 SH   SOLE 0 271 0 0
AbbVie Inc. com 00287Y109 4,696 47,833 SH   SOLE 0 4,696 0 0
Accenture Ltd Cl A com G1151C101 5,351 24,920 SH   SOLE 0 5,351 0 0
Activision Inc com 00507V109 4,879 64,276 SH   SOLE 0 4,879 0 0
AES Corporation com 00130H105 2,626 181,255 SH   SOLE 0 2,626 0 0
AFLAC Inc com 001055102 2,794 77,537 SH   SOLE 0 2,794 0 0
Allison Transmission Holdings, INc. com 01973R101 1,032 28,071 SH   SOLE 0 1,032 0 0
Allstate Corporation com 020002101 4,897 50,485 SH   SOLE 0 4,897 0 0
Alphabet Inc Class C com 02079K107 5,259 3,720 SH   SOLE 0 5,259 0 0
Amdocs Limited Common Stock com G02602103 582 9,558 SH   SOLE 0 582 0 0
American Electric Power Co., Inc com 025537101 256 3,209 SH   SOLE 0 256 0 0
American Financial Group com 025932104 237 3,742 SH   SOLE 0 237 0 0
American Tower Corporation com 03027X100 3,136 12,131 SH   SOLE 0 3,136 0 0
Ameriprise Financial, Inc. com 03076C106 2,634 17,555 SH   SOLE 0 2,634 0 0
Amerisource Bergen com 03073E105 449 4,452 SH   SOLE 0 449 0 0
Amgen Incorporated com 031162100 10,573 44,827 SH   SOLE 0 10,573 0 0
Anthem, Inc. com 036752103 851 3,234 SH   SOLE 0 851 0 0
Apple Computer Inc com 037833100 25,729 70,530 SH   SOLE 0 25,729 0 0
Applied Materials Inc com 038222105 632 10,462 SH   SOLE 0 632 0 0
Aramark com 03852U106 308 13,653 SH   SOLE 0 308 0 0
Archer-Daniels-Midland Co. com 039483102 513 12,853 SH   SOLE 0 513 0 0
Auto Data Processing com 053015103 390 2,619 SH   SOLE 0 390 0 0
AutoZone Inc com 053332102 544 482 SH   SOLE 0 544 0 0
Avantis Emerging Markets Equity ETF ETF 025072604 15,432 326,252 SH   SOLE 0 15,432 0 0
Avnet, Inc. com 053807103 989 35,468 SH   SOLE 0 989 0 0
Bank of America Corp com 060505104 375 15,797 SH   SOLE 0 375 0 0
Becton Dickinson & Co com 075887109 3,220 13,458 SH   SOLE 0 3,220 0 0
Best Buy Inc com 086516101 4,135 47,385 SH   SOLE 0 4,135 0 0
Big Lots Inc. com 089302103 213 5,076 SH   SOLE 0 213 0 0
Block H & R Incorporated com 093671105 244 17,093 SH   SOLE 0 244 0 0
Booz Allen Hamilton Holdings Corporation com 099502106 1,267 16,288 SH   SOLE 0 1,267 0 0
BP PLC Adr ADR 055622104 233 9,988 SH   SOLE 0 233 0 0
Bristol-Myers Squibb Co com 110122108 559 9,503 SH   SOLE 0 559 0 0
C V S Caremark Corp. com 126650100 2,540 39,089 SH   SOLE 0 2,540 0 0
Cabot Corporation com 127055101 1,774 47,871 SH   SOLE 0 1,774 0 0
Camden Property Trust com 133131102 5,655 61,990 SH   SOLE 0 5,655 0 0
Canadian Natl RR Co. com 136375102 540 6,093 SH   SOLE 0 540 0 0
Carrier Global Corp com 14448C104 679 30,569 SH   SOLE 0 679 0 0
Caterpillar Inc com 149123101 1,689 13,349 SH   SOLE 0 1,689 0 0
CBRE Clarion Global Real Estate Income Fund com 12504G100 84 13,991 SH   SOLE 0 84 0 0
CDW Corporation com 12514G108 285 2,453 SH   SOLE 0 285 0 0
Celanese Corporation com 150870103 2,941 34,061 SH   SOLE 0 2,941 0 0
Cerner Corp com 156782104 1,016 14,820 SH   SOLE 0 1,016 0 0
Chevron Corp com 166764100 3,383 37,918 SH   SOLE 0 3,383 0 0
Chubb Ltd com H1467J104 1,860 14,690 SH   SOLE 0 1,860 0 0
Cincinnati Financial Cp com 172062101 296 4,628 SH   SOLE 0 296 0 0
Cisco Systems Inc com 17275R102 7,942 170,287 SH   SOLE 0 7,942 0 0
Citigroup Inc com 172967424 6,480 126,804 SH   SOLE 0 6,480 0 0
CMS Energy Corp com 125896100 806 13,789 SH   SOLE 0 806 0 0
Cognizant Technology Solutions Corp. com 192446102 384 6,761 SH   SOLE 0 384 0 0
ConocoPhillips com 20825C104 593 14,109 SH   SOLE 0 593 0 0
Corning Inc com 219350105 424 16,377 SH   SOLE 0 424 0 0
Crane Company com 224399105 304 5,119 SH   SOLE 0 304 0 0
Cummins Inc com 231021106 6,477 37,381 SH   SOLE 0 6,477 0 0
CyrusOne Inc. com 23283R100 3,974 54,628 SH   SOLE 0 3,974 0 0
D R Horton Co com 23331A109 4,582 82,625 SH   SOLE 0 4,582 0 0
Deluxe Corp com 248019101 228 9,675 SH   SOLE 0 228 0 0
Dick's Sporting Goods Inc. com 253393102 1,869 45,294 SH   SOLE 0 1,869 0 0
Discovery Inc com 25470F302 4,059 210,753 SH   SOLE 0 4,059 0 0
Disney Walt Hldg Co com 254687106 657 5,890 SH   SOLE 0 657 0 0
Dollar General Corporation com 256677105 399 2,094 SH   SOLE 0 399 0 0
DoubleLine Income Solutions Fund com 258622109 530 34,505 SH   SOLE 0 530 0 0
Dover Corporation com 260003108 517 5,355 SH   SOLE 0 517 0 0
EastGroup Properties Inc. com 277276101 408 3,443 SH   SOLE 0 408 0 0
Eaton Corporation plc com G29183103 3,680 42,063 SH   SOLE 0 3,680 0 0
Eaton Vance Corp com 278265103 930 24,083 SH   SOLE 0 930 0 0
Emerson Electric Co com 291011104 2,334 37,627 SH   SOLE 0 2,334 0 0
Encompass Health Corp com 29261A100 2,423 39,120 SH   SOLE 0 2,423 0 0
Entergy Corp New com 29364G103 3,056 32,575 SH   SOLE 0 3,056 0 0
Equinix, Inc. com 29444U700 604 860 SH   SOLE 0 604 0 0
Equitable Holdings, Inc. com 29452E101 4,322 224,048 SH   SOLE 0 4,322 0 0
Everest Re Group Ltd com G3223R108 1,798 8,719 SH   SOLE 0 1,798 0 0
Exelon Corporation com 30161N101 3,307 91,127 SH   SOLE 0 3,307 0 0
Exxon Mobil Corporation com 30231G102 1,469 32,851 SH   SOLE 0 1,469 0 0
Facebook Inc Class A com 30303M102 6,335 27,897 SH   SOLE 0 6,335 0 0
Fidelity National Finl. com 31620R303 2,586 84,331 SH   SOLE 0 2,586 0 0
Fifth Third Bancorp com 316773100 2,166 112,368 SH   SOLE 0 2,166 0 0
First American Financial Corp com 31847R102 2,179 45,375 SH   SOLE 0 2,179 0 0
Foot Locker Inc com 344849104 313 10,721 SH   SOLE 0 313 0 0
General Dynamics Corp com 369550108 2,710 18,131 SH   SOLE 0 2,710 0 0
General Mills Inc com 370334104 1,010 16,385 SH   SOLE 0 1,010 0 0
General Motors Company com 37045V100 490 19,351 SH   SOLE 0 490 0 0
Gilead Sciences Inc com 375558103 442 5,751 SH   SOLE 0 442 0 0
Global X MLP & Energy Infrastructure ETF com 37950E226 318 12,774 SH   SOLE 0 318 0 0
Goldman Sachs Group Inc com 38141G104 895 4,531 SH   SOLE 0 895 0 0
Hartford Financial Services com 416515104 1,082 28,062 SH   SOLE 0 1,082 0 0
Hartford Multifactor Developed Markets ETF com 518416102 26,100 1,060,099 SH   SOLE 0 26,100 0 0
Hasbro Inc com 418056107 2,112 28,179 SH   SOLE 0 2,112 0 0
HCA Holdings, Inc. com 40412C101 2,739 28,218 SH   SOLE 0 2,739 0 0
Herman Miller, Inc. com 600544100 803 34,011 SH   SOLE 0 803 0 0
Hill-Rom Holdings, Inc. com 431475102 1,600 14,579 SH   SOLE 0 1,600 0 0
Home Depot Inc com 437076102 765 3,054 SH   SOLE 0 765 0 0
Honeywell International com 438516106 3,056 21,139 SH   SOLE 0 3,056 0 0
Host Hotels & Resorts Inc. com 44107P104 486 45,062 SH   SOLE 0 486 0 0
Huntington Bancshares Incorporated com 446150104 445 49,218 SH   SOLE 0 445 0 0
Illinois Tool Works com 452308109 838 4,790 SH   SOLE 0 838 0 0
Infosys Limited com 456788108 3,257 337,152 SH   SOLE 0 3,257 0 0
Intel Corp com 458140100 7,409 123,828 SH   SOLE 0 7,409 0 0
International Paper Co com 460146103 2,525 71,714 SH   SOLE 0 2,525 0 0
Interpublic Group of Companies com 460690100 324 18,868 SH   SOLE 0 324 0 0
Intl Business Machines com 459200101 2,841 23,524 SH   SOLE 0 2,841 0 0
Invesco Emerging Mkts Sovereign Debt ETF ETF 46138E784 5,242 195,730 SH   SOLE 0 5,242 0 0
Invesco FTSE RAFI Emerging Markets ETF ETF 46138E727 3,745 216,626 SH   SOLE 0 3,745 0 0
Invesco FTSE RAFI US 1000 ETF ETF 46137V613 226 2,089 SH   SOLE 0 226 0 0
Invitation Homes Inc. com 46187W107 1,325 48,117 SH   SOLE 0 1,325 0 0
Iron Mountain Incorporated com 46284V101 1,157 44,347 SH   SOLE 0 1,157 0 0
iShares Barclays TIPS Bond iShares ETF 464287176 746 6,062 SH   SOLE 0 746 0 0
iShares Core S&P 500 ETF iShares ETF 464287200 304 981 SH   SOLE 0 304 0 0
iShares Edge MSCI Mltfct USA SmCp ETF iShares ETF 46434V290 951 26,643 SH   SOLE 0 951 0 0
iShares Edge MSCI Multifactor Intl ETF iShares ETF 46434V274 9,559 417,068 SH   SOLE 0 9,559 0 0
iShares Edge MSCI Multifactor USA ETF iShares ETF 46434V282 6,836 220,006 SH   SOLE 0 6,836 0 0
iShares GNMA Bond ETF iShares ETF 46429B333 221 4,300 SH   SOLE 0 221 0 0
iShares JPMorgan USD Emerg Markets Bond ETF iShares ETF 464288281 5,666 51,878 SH   SOLE 0 5,666 0 0
iShares MBS Bond ETF iShares ETF 464288588 8,722 78,792 SH   SOLE 0 8,722 0 0
iShares MSCI EAFE ETF iShares ETF 464287465 2,800 46,007 SH   SOLE 0 2,800 0 0
iShares MSCI EAFE Min Volatility ETF iShares ETF 46429B689 26,550 401,910 SH   SOLE 0 26,550 0 0
iShares MSCI Emerging Markets Index ETF iShares ETF 464287234 372 9,309 SH   SOLE 0 372 0 0
iShares Natl Amt-Free Muni Bond ETF iShares ETF 464288414 281 2,432 SH   SOLE 0 281 0 0
iShares Russell 1000 ETF iShares ETF 464287622 325 1,896 SH   SOLE 0 325 0 0
iShares Russell 1000 Growth ETF iShares ETF 464287614 263 1,371 SH   SOLE 0 263 0 0
iShares Short Maturity Bond ETF iShares ETF 46431W507 947 18,942 SH   SOLE 0 947 0 0
iShares Short Maturity Municipal Bond ETF iShares ETF 46431W838 345 6,881 SH   SOLE 0 345 0 0
J M Smuckers Co com 832696405 1,243 11,746 SH   SOLE 0 1,243 0 0
J P Morgan Chase & Co. com 46625H100 8,516 90,543 SH   SOLE 0 8,516 0 0
j2 Global, Inc. com 48123V102 1,180 18,671 SH   SOLE 0 1,180 0 0
Johnson & Johnson com 478160104 6,342 45,100 SH   SOLE 0 6,342 0 0
JPMorgan Ultra-Short Income ETF ETF 46641Q837 784 15,445 SH   SOLE 0 784 0 0
Keycorp Inc New com 493267108 411 33,721 SH   SOLE 0 411 0 0
Kilroy Realty Corp com 49427F108 2,414 41,123 SH   SOLE 0 2,414 0 0
Kimberly-Clark Corp com 494368103 3,237 22,901 SH   SOLE 0 3,237 0 0
Kinder Morgan, Inc. com 49456B101 3,178 209,490 SH   SOLE 0 3,178 0 0
Kroger Company com 501044101 6,701 197,961 SH   SOLE 0 6,701 0 0
Lear Corp com 521865204 338 3,100 SH   SOLE 0 338 0 0
Legg Mason Inc com 524901105 682 13,703 SH   SOLE 0 682 0 0
Leidos Holdings Inc com 525327102 1,147 12,247 SH   SOLE 0 1,147 0 0
Lexington Realty Trust com 529043101 5,185 491,474 SH   SOLE 0 5,185 0 0
Lowes Companies Inc com 548661107 3,013 22,301 SH   SOLE 0 3,013 0 0
LyondellBasell Industrials NV com N53745100 2,790 42,459 SH   SOLE 0 2,790 0 0
Manulife Financial Corporation com 56501R106 1,083 79,509 SH   SOLE 0 1,083 0 0
Marathon Petroleum Corporation com 56585A102 1,879 50,255 SH   SOLE 0 1,879 0 0
McDonald's Corp. com 580135101 1,613 8,745 SH   SOLE 0 1,613 0 0
McKesson HBOC Inc com 58155Q103 2,874 18,733 SH   SOLE 0 2,874 0 0
Medtronic PLC com G5960L103 1,449 15,797 SH   SOLE 0 1,449 0 0
Merck & Co Inc com 58933Y105 2,334 30,179 SH   SOLE 0 2,334 0 0
Metlife Inc com 59156R108 1,029 28,181 SH   SOLE 0 1,029 0 0
Microsoft Corp com 594918104 19,262 94,651 SH   SOLE 0 19,262 0 0
Mylan N.V. com N59465109 828 51,484 SH   SOLE 0 828 0 0
Newmont Mining Corp com 651639106 543 8,788 SH   SOLE 0 543 0 0
Nexstar Media Group com 65336K103 1,244 14,868 SH   SOLE 0 1,244 0 0
Nextera Energy Inc com 65339F101 231 963 SH   SOLE 0 231 0 0
Northrop Grumman Corp com 666807102 1,252 4,071 SH   SOLE 0 1,252 0 0
Nucor Corp com 670346105 2,131 51,471 SH   SOLE 0 2,131 0 0
Old Republic International Corporation com 680223104 322 19,717 SH   SOLE 0 322 0 0
Omnicom Group Inc com 681919106 1,658 30,366 SH   SOLE 0 1,658 0 0
Oracle Corporation com 68389X105 8,451 152,909 SH   SOLE 0 8,451 0 0
Otis Worldwide Corp com 68902V107 917 16,124 SH   SOLE 0 917 0 0
Outfront Media Inc com 69007J106 1,748 123,368 SH   SOLE 0 1,748 0 0
Owens Corning Inc. com 690742101 1,407 25,239 SH   SOLE 0 1,407 0 0
PACCAR Inc com 693718108 4,128 55,145 SH   SOLE 0 4,128 0 0
Pacer Benchmark Data & Infrastructure Real Estate com 69374H741 5,111 143,759 SH   SOLE 0 5,111 0 0
PennyMac Financial Services, Inc. com 70932M107 3,288 78,684 SH   SOLE 0 3,288 0 0
PepsiCo Incorporated com 713448108 1,965 14,860 SH   SOLE 0 1,965 0 0
Perspecta Inc. com 715347100 255 10,983 SH   SOLE 0 255 0 0
Pfizer Incorporated com 717081103 8,025 245,406 SH   SOLE 0 8,025 0 0
Phillips 66 com 718546104 1,096 15,243 SH   SOLE 0 1,096 0 0
Piedmont Office Realty Trust, Inc. com 720190206 1,896 114,168 SH   SOLE 0 1,896 0 0
Pimco Enhanced Short Maturity Active ETF com 72201R833 306 3,014 SH   SOLE 0 306 0 0
PIMCO Intermediate Muni Bond Strgy ETF com 72201R866 2,838 51,021 SH   SOLE 0 2,838 0 0
PNC Financial Services com 693475105 892 8,483 SH   SOLE 0 892 0 0
Popular Inc com 733174700 371 9,981 SH   SOLE 0 371 0 0
PPG Industries Inc com 693506107 684 6,450 SH   SOLE 0 684 0 0
PPL Corporation com 69351T106 663 25,663 SH   SOLE 0 663 0 0
Premier, Inc. com 74051N102 284 8,286 SH   SOLE 0 284 0 0
Procter & Gamble com 742718109 7,235 60,507 SH   SOLE 0 7,235 0 0
Progressive Corp. com 743315103 1,919 23,957 SH   SOLE 0 1,919 0 0
ProLogis com 74340W103 321 3,442 SH   SOLE 0 321 0 0
Prudential Financial Inc com 744320102 920 15,107 SH   SOLE 0 920 0 0
Pub Svc Enterprise Group com 744573106 405 8,230 SH   SOLE 0 405 0 0
PulteGroup Inc com 745867101 3,430 100,796 SH   SOLE 0 3,430 0 0
QTS Realty Trust, Inc. com 74736A103 4,946 77,169 SH   SOLE 0 4,946 0 0
Quest Diagnostic Inc com 74834L100 2,065 18,118 SH   SOLE 0 2,065 0 0
Raytheon Technologies Co com 75513E101 1,993 32,346 SH   SOLE 0 1,993 0 0
Regal Beloit Corporation com 758750103 392 4,492 SH   SOLE 0 392 0 0
Reliance Steel & Aluminum Co com 759509102 955 10,058 SH   SOLE 0 955 0 0
Ross Stores, Inc com 778296103 679 7,969 SH   SOLE 0 679 0 0
Royal Dutch Shell A Adr ADR 780259206 208 6,362 SH   SOLE 0 208 0 0
Schwab Emerging Mkts Equity ETF ETF 808524706 478 19,642 SH   SOLE 0 478 0 0
Schwab Fundamental Emerg Mkts Lg Co ETF ETF 808524730 23,894 1,020,660 SH   SOLE 0 23,894 0 0
Schwab Fundamental Intl Lg Co ETF ETF 808524755 29,906 1,259,727 SH   SOLE 0 29,906 0 0
Schwab Fundamental Intl Sm Co ETF ETF 808524748 1,641 59,591 SH   SOLE 0 1,641 0 0
Schwab Fundamental US Large Company ETF ETF 808524771 2,460 66,786 SH   SOLE 0 2,460 0 0
Schwab Fundamental US Small Company ETF ETF 808524763 6,776 213,610 SH   SOLE 0 6,776 0 0
Schwab Intermediate-Term U.S. Trsy ETF ETF 808524854 11,076 188,426 SH   SOLE 0 11,076 0 0
Schwab International Equity ETF ETF 808524805 36,458 1,225,490 SH   SOLE 0 36,458 0 0
Schwab U.S. Aggregate Bond ETF ETF 808524839 227 4,044 SH   SOLE 0 227 0 0
Schwab U.S. Dividend Equity ETF ETF 808524797 315 6,085 SH   SOLE 0 315 0 0
Schwab U.S. REIT ETF ETF 808524847 14,878 422,444 SH   SOLE 0 14,878 0 0
Schwab U.S. Small-Cap ETF ETF 808524607 315 4,826 SH   SOLE 0 315 0 0
Schwab US LC ETF ETF 808524201 432 5,826 SH   SOLE 0 432 0 0
Schwab US TIPS ETF ETF 808524870 19,847 330,672 SH   SOLE 0 19,847 0 0
Seagate Technology PLC F com G7945M107 808 16,681 SH   SOLE 0 808 0 0
Snap On Inc com 833034101 1,251 9,034 SH   SOLE 0 1,251 0 0
Sonoco Products Co com 835495102 570 10,910 SH   SOLE 0 570 0 0
Southwest Airlines Co. com 844741108 409 11,958 SH   SOLE 0 409 0 0
SPDR Barclays Cap Interm Term Corp Bond ETF ETF 78464A375 3,722 101,887 SH   SOLE 0 3,722 0 0
SPDR S&P 500 ETF ETF 78462F103 243 787 SH   SOLE 0 243 0 0
State Street Corp com 857477103 682 10,726 SH   SOLE 0 682 0 0
Steel Dynamics, Inc. com 858119100 283 10,866 SH   SOLE 0 283 0 0
Steelcase Inc. com 858155203 870 72,131 SH   SOLE 0 870 0 0
SYNNEX Corp. com 87162W100 710 5,924 SH   SOLE 0 710 0 0
Sysco Corporation com 871829107 550 10,065 SH   SOLE 0 550 0 0
Target Corporation com 87612E106 8,837 73,686 SH   SOLE 0 8,837 0 0
Technology Select Sector SPDR ETF ETF 81369Y803 201 1,925 SH   SOLE 0 201 0 0
TEGNA, Inc. com 87901J105 308 27,629 SH   SOLE 0 308 0 0
Texas Instruments Inc com 882508104 5,451 42,932 SH   SOLE 0 5,451 0 0
The Hanover Insurance Group Inc. com 410867105 1,362 13,437 SH   SOLE 0 1,362 0 0
The Real Estate Select Sector SPDR Fund ETF 81369Y860 324 9,317 SH   SOLE 0 324 0 0
Thermo Fisher Scientific Inc. com 883556102 3,623 9,998 SH   SOLE 0 3,623 0 0
TJX Cos Inc com 872540109 1,424 28,165 SH   SOLE 0 1,424 0 0
Toronto-Dominion Bank com 891160509 981 21,998 SH   SOLE 0 981 0 0
Tortoise North American Pipeline Fund com 56167N720 7,586 459,060 SH   SOLE 0 7,586 0 0
Total S.A. ADS ADR 89151E109 4,435 115,323 SH   SOLE 0 4,435 0 0
Toyota Motor Corporation com 892331307 6,239 49,662 SH   SOLE 0 6,239 0 0
Trane Technologies plc com G8994E103 363 4,077 SH   SOLE 0 363 0 0
Travelers Companies Inc com 89417E109 4,387 38,466 SH   SOLE 0 4,387 0 0
Tyson Foods Inc com 902494103 2,474 41,430 SH   SOLE 0 2,474 0 0
UGI Corporation New com 902681105 3,596 113,086 SH   SOLE 0 3,596 0 0
Union Pacific com 907818108 4,638 27,430 SH   SOLE 0 4,638 0 0
UnitedHealth Group Inc. com 91324P102 2,867 9,721 SH   SOLE 0 2,867 0 0
Unum Group com 91529Y106 425 25,628 SH   SOLE 0 425 0 0
US Bancorp com 902973304 3,478 94,462 SH   SOLE 0 3,478 0 0
V F Corporation com 918204108 227 3,727 SH   SOLE 0 227 0 0
Valero Energy Corp New com 91913Y100 5,226 88,841 SH   SOLE 0 5,226 0 0
VanEck Vectors Gold Miners ETF ETF 92189F106 376 10,245 SH   SOLE 0 376 0 0
VanEck Vectors High-Yield Muni ETF ETF 92189H409 863 14,563 SH   SOLE 0 863 0 0
VanEck Vectors Intermediate Muni ETF ETF 92189H201 416 8,157 SH   SOLE 0 416 0 0
Vanguard Emerging Markets Stock ETF ETF 922042858 314 7,933 SH   SOLE 0 314 0 0
Vanguard Intermediate-Term Bond ETF ETF 921937819 300 3,215 SH   SOLE 0 300 0 0
Vanguard Interm-Tm Govt Bd Inx ETF ETF 92206C706 10,478 148,479 SH   SOLE 0 10,478 0 0
Vanguard Mortgage-Backed Securities ETF ETF 92206C771 424 7,802 SH   SOLE 0 424 0 0
Vanguard Reit Index ETF ETF 922908553 5,836 74,310 SH   SOLE 0 5,836 0 0
Vanguard Russell 1000 ETF ETF 92206C730 1,949 13,730 SH   SOLE 0 1,949 0 0
Vanguard Small Cap Value ETF ETF 922908611 5,117 47,857 SH   SOLE 0 5,117 0 0
Vanguard Tax-Exempt Bond Index ETF ETF 922907746 6,615 122,180 SH   SOLE 0 6,615 0 0
Vanguard Total Bond Market ETF ETF 921937835 3,422 38,738 SH   SOLE 0 3,422 0 0
Vanguard Total International Stock ETF ETF 921909768 216 4,396 SH   SOLE 0 216 0 0
Vanguard Total Stock Market ETF ETF 922908769 257 1,639 SH   SOLE 0 257 0 0
Vanguard Value ETF ETF 922908744 551 5,534 SH   SOLE 0 551 0 0
Verizon Communications com 92343V104 11,430 207,329 SH   SOLE 0 11,430 0 0
ViacomCBS Inc. com 92556H206 356 15,257 SH   SOLE 0 356 0 0
Visa, Inc. com 92826C839 264 1,369 SH   SOLE 0 264 0 0
Vishay Intertechnology Inc. com 928298108 475 31,101 SH   SOLE 0 475 0 0
Walgreens Boots Alliance Inc. com 931427108 1,589 37,489 SH   SOLE 0 1,589 0 0
Wal-Mart Stores Inc com 931142103 13,068 109,100 SH   SOLE 0 13,068 0 0
Wells Fargo & Company com 949746101 679 26,523 SH   SOLE 0 679 0 0
Whirlpool Corp com 963320106 940 7,258 SH   SOLE 0 940 0 0
Wyndham Destinations com 98310W108 2,036 72,243 SH   SOLE 0 2,036 0 0
Xerox Corp com 98421M106 163 10,680 SH   SOLE 0 163 0 0