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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
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 150,187 488,173 SH   SOLE   488,173 0 0
VANGUARD BD INDEX FD INC TOTAL BND MRKT 921937835 102,456 1,161,365 SH   SOLE   1,161,365 0 0
VANGUARD TAX-MANAGED FD FTSE DEV MKT ETF 921943858 78,251 1,913,221 SH   SOLE   1,913,221 0 0
ISHARES TR CORE S&P MCP ETF 464287507 64,042 345,593 SH   SOLE   345,593 0 0
ISHARES TR CORE S&P SCP ETF 464287804 59,943 853,530 SH   SOLE   853,530 0 0
VANGUARD SCOTTSDALE FDS MORTG-BACK SEC 92206C771 55,322 1,019,383 SH   SOLE   1,019,383 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 26,312 608,518 SH   SOLE   608,518 0 0
ISHARES TR CORE MSCI EAFE 46432F842 18,789 311,699 SH   SOLE   311,699 0 0
VANGUARD INDEX FDS LARGE CAP ETF 922908637 16,113 102,998 SH   SOLE   102,998 0 0
ISHARES TR CORE S&P 500 ETF 464287200 11,793 35,092 SH   SOLE   35,092 0 0
APPLE INC COM 037833100 9,639 83,234 SH   SOLE   83,234 0 0
ISHARES TR S&P500 GRWT ETF 464287309 8,902 38,524 SH   SOLE   38,524 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 8,784 49,835 SH   SOLE   49,835 0 0
VANGUARD INDEX FDS SMALL CAP ETF 922908751 8,652 56,256 SH   SOLE   56,256 0 0
ISHARES TR BARCLY USAGG B 464287226 7,832 66,341 SH   SOLE   66,341 0 0
MSCI INTL MOMENT ISHARES TR 46434V449 7,700 226,604 SH   SOLE   226,604 0 0
MICROSOFT CORP COM 594918104 7,635 36,302 SH   SOLE   36,302 0 0
ISHARES TR S&P 500 VAL ETF 464287408 6,907 61,421 SH   SOLE   61,421 0 0
VANGUARD INDEX FDS REIT ETF 922908553 6,536 82,776 SH   SOLE   82,776 0 0
ISHARES TR EAFE SML CP ETF 464288273 6,164 104,491 SH   SOLE   104,491 0 0
ISHARES INC CORE MSCI EMKT 46434G103 5,206 98,599 SH   SOLE   98,599 0 0
ISHARES TR RUS MID CAP ETF 464287499 4,585 79,901 SH   SOLE   79,901 0 0
ISHARES TR MSCI EAFE ETF 464287465 4,561 71,658 SH   SOLE   71,658 0 0
UNITEDHEALTH GROUP INC COM 91324P102 4,137 13,270 SH   SOLE   13,270 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 3,819 121,610 SH   SOLE   121,610 0 0
WAL MART STORES INC COM 931142103 3,694 26,400 SH   SOLE   26,400 0 0
INTEL CORP COM 458140100 3,185 61,502 SH   SOLE   61,502 0 0
ISHARES TR INTRM TR CRP ETF 464288638 3,114 51,205 SH   SOLE   51,205 0 0
JOHNSON & JOHNSON COM 478160104 2,975 19,986 SH   SOLE   19,986 0 0
ISHARES TR MBS ETF 464288588 2,871 26,004 SH   SOLE   26,004 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 2,852 24,438 SH   SOLE   24,438 0 0
ISHARES TR RUS 1000 VAL ETF 464287598 2,660 22,516 SH   SOLE   22,516 0 0
AMAZON COM INC COM 023135106 2,431 772 SH   SOLE   772 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 2,353 15,709 SH   SOLE   15,709 0 0
VISA INC COM CL A 92826C839 2,058 10,294 SH   SOLE   10,294 0 0
ISHARES TR U.S.TECH ETF 464287721 1,986 6,595 SH   SOLE   6,595 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 1,850 5,525 SH   SOLE   5,525 0 0
ISHARES TR SH TR CRPORT ETF 464288646 1,844 33,577 SH   SOLE   33,577 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 1,829 8,435 SH   SOLE   8,435 0 0
HOME DEPOT INC COM 437076102 1,791 6,450 SH   SOLE   6,450 0 0
TJX COS INC NEW COM 872540109 1,581 28,415 SH   SOLE   28,415 0 0
LAUDER ESTEE COS INC CL A 518439104 1,570 7,194 SH   SOLE   7,194 0 0
ISHARES TR RUS 1000 ETF 464287622 1,570 8,387 SH   SOLE   8,387 0 0
JPMORGAN CHASE & CO COM 46625H100 1,563 16,233 SH   SOLE   16,233 0 0
NIKE INC COM 654106103 1,546 12,313 SH   SOLE   12,313 0 0
LOCKHEED MARTIN CORP COM 539830109 1,526 3,982 SH   SOLE   3,982 0 0
3M CO COM 88579Y101 1,521 9,496 SH   SOLE   9,496 0 0
ISHARES TR NASDAQ BIOTECH 464287556 1,436 10,602 SH   SOLE   10,602 0 0
ISHARES 3 7 YR TREAS BD 464288661 1,411 10,563 SH   SOLE   10,563 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 1,403 23,576 SH   SOLE   23,576 0 0
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 1,350 5,973 SH   SOLE   5,973 0 0
FACEBOOK INC CL A 30303M102 1,332 5,085 SH   SOLE   5,085 0 0
GOOGLE INC CL A 38259P508 1,296 884 SH   SOLE   884 0 0
TRAVELERS COMPANIES INC COM 89417E109 1,291 11,930 SH   SOLE   11,930 0 0
DISNEY WALT CO COM DISNEY 254687106 1,286 10,362 SH   SOLE   10,362 0 0
PEPSICO INC COM 713448108 1,280 9,236 SH   SOLE   9,236 0 0
CUMMINS INC COM 231021106 1,235 5,850 SH   SOLE   5,850 0 0
ISHARES TR COHEN STEER REIT 464287564 1,233 12,086 SH   SOLE   12,086 0 0
ROCKWELL AUTOMATION INC COM 773903109 1,230 5,573 SH   SOLE   5,573 0 0
ISHARES TR MICRO -CAP ETF 464288869 1,210 13,373 SH   SOLE   13,373 0 0
COMCAST CORP NEW CL A 20030N101 1,172 25,328 SH   SOLE   25,328 0 0
PROCTER & GAMBLE CO COM 742718109 1,126 8,099 SH   SOLE   8,099 0 0
CHEVRON CORP NEW COM 166764100 1,115 15,493 SH   SOLE   15,493 0 0
DEERE & CO COM 244199105 1,084 4,889 SH   SOLE   4,889 0 0
O REILLY AUTOMOTIVE INC NEW COM 67103H107 1,040 2,255 SH   SOLE   2,255 0 0
NORFOLK SOUTHERN CORP COM 655844108 1,025 4,788 SH   SOLE   4,788 0 0
MASCO CORP COM 574599106 1,007 18,273 SH   SOLE   18,273 0 0
TEXAS INSTRS INC COM 882508104 996 6,977 SH   SOLE   6,977 0 0
ISHARES TR CRE U S REIT ETF 464288521 985 22,514 SH   SOLE   22,514 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 966 4,536 SH   SOLE   4,536 0 0
POWERSHARES QQQ TRUST UNIT SER 1 73935A104 950 3,421 SH   SOLE   3,421 0 0
ANTHEM INC COM 036752103 926 3,448 SH   SOLE   3,448 0 0
SYSCO CORP COM 871829107 883 14,192 SH   SOLE   14,192 0 0
CAPITAL ONE FINL CORP COM 14040H105 853 11,872 SH   SOLE   11,872 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 818 3,593 SH   SOLE   3,593 0 0
STARBUCKS CORP COM 855244109 806 9,382 SH   SOLE   9,382 0 0
VANGUARD INDEX FDS SML CP GRW ETF 922908595 805 3,747 SH   SOLE   3,747 0 0
BRISTOL MYERS SQUIBB CO COM 110122108 788 13,062 SH   SOLE   13,062 0 0
ISHARES TR US HLTHCARE ETF 464287762 779 3,429 SH   SOLE   3,429 0 0
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 775 7,646 SH   SOLE   7,646 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 765 17,354 SH   SOLE   17,354 0 0
LOWES COS INC COM 548661107 751 4,527 SH   SOLE   4,527 0 0
EMERSON ELEC CO COM 291011104 748 11,403 SH   SOLE   11,403 0 0
EXXON MOBIL CORP COM 30231G102 733 21,364 SH   SOLE   21,364 0 0
QUEST DIAGNOSTICS INC COM 74834L100 715 6,248 SH   SOLE   6,248 0 0
QUALCOMM INC COM 747525103 711 6,039 SH   SOLE   6,039 0 0
ALIBABA GROUP HLDG LTD SPONSORED ADS 01609W102 659 2,242 SH   SOLE   2,242 0 0
ISHARES TR MSCI KLD400 SOC 464288570 643 5,022 SH   SOLE   5,022 0 0
KROGER CO COM 501044101 629 18,545 SH   SOLE   18,545 0 0
MARATHON PETE CORP COM 56585A102 629 21,426 SH   SOLE   21,426 0 0
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308 624 9,728 SH   SOLE   9,728 0 0
GENERAL DYNAMICS CORP COM 369550108 601 4,340 SH   SOLE   4,340 0 0
NVIDIA CORP COM 67066G104 598 1,105 SH   SOLE   1,105 0 0
BOEING CO COM 097023105 588 3,558 SH   SOLE   3,558 0 0
MCDONALDS CORP COM 580135101 578 2,635 SH   SOLE   2,635 0 0
MORGAN STANLEY COM NEW 617446448 578 11,956 SH   SOLE   11,956 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 568 3,335 SH   SOLE   3,335 0 0
PAYPAL HLDGS INC COM 70450Y103 566 2,874 SH   SOLE   2,874 0 0
SPDR SERIES TRUST SPDR BLOOMBERG 78468R663 562 6,145 SH   SOLE   6,145 0 0
SNAP ON INC COM 833034101 506 3,440 SH   SOLE   3,440 0 0
CERNER CORP COM 156782104 501 6,933 SH   SOLE   6,933 0 0
VALERO ENERGY CORP NEW COM 91913Y100 497 11,462 SH   SOLE   11,462 0 0
CISCO SYS INC COM 17275R102 483 12,259 SH   SOLE   12,259 0 0
AMERICAN EXPRESS CO COM 025816109 482 4,810 SH   SOLE   4,810 0 0
PHILLIPS 66 COM 718546104 480 9,268 SH   SOLE   9,268 0 0
AMEREN CORP COM 023608102 477 6,033 SH   SOLE   6,033 0 0
OMNICOM GROUP INC COM 681919106 476 9,618 SH   SOLE   9,618 0 0
ISHARES TR 1 3 YR TREAS BD 464287457 475 5,492 SH   SOLE   5,492 0 0
SELECT SECTOR SPDR TR ENERGY 81369Y506 475 15,848 SH   SOLE   15,848 0 0
KIMBERLY CLARK CORP COM 494368103 448 3,035 SH   SOLE   3,035 0 0
MONSTER BEVERAGE CORP COM 611740101 432 5,383 SH   SOLE   5,383 0 0
COCA COLA CO COM 191216100 430 8,702 SH   SOLE   8,702 0 0
MODERNA INC COM 60770K107 429 6,060 SH   SOLE   6,060 0 0
ISHARES TR U.S. REAL ES ETF 464287739 425 5,321 SH   SOLE   5,321 0 0
PFIZER INC COM 717081103 419 11,415 SH   SOLE   11,415 0 0
UNIVERSAL HLTH SVCS INC CL B 913903100 417 3,899 SH   SOLE   3,899 0 0
TESLA INC COM 88160R101 414 965 SH   SOLE   965 0 0
AT&T INC COM 00206R102 411 14,428 SH   SOLE   14,428 0 0
ABBOTT LABS COM 002824100 406 3,734 SH   SOLE   3,734 0 0
ISHARES TR U.S. FINLS ETF 464287788 403 3,551 SH   SOLE   3,551 0 0
SPDR SERIES TRUST S&P DIVID ETF 78464A763 399 4,322 SH   SOLE   4,322 0 0
ISHARES TR NATIONAL MUN ETF 464288414 398 3,434 SH   SOLE   3,434 0 0
ISHARES TR TIPS BD ETF 464287176 377 2,984 SH   SOLE   2,984 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 357 2,933 SH   SOLE   2,933 0 0
MSCI CHINA ETF ISHARES TR 46429B671 350 4,713 SH   SOLE   4,713 0 0
SOUTHWEST ARILS CO COM 844741108 332 8,849 SH   SOLE   8,849 0 0
WELLS FARGO & CO NEW COM 949746101 328 13,934 SH   SOLE   13,934 0 0
CVS CAREMARK CORPORATION COM 126650100 317 5,433 SH   SOLE   5,433 0 0
SQUARE INC CL A 852234103 310 1,909 SH   SOLE   1,909 0 0
NORTHROP GRUMMAN CORP COM 666807102 306 970 SH   SOLE   970 0 0
CATERPILLAR INC DEL COM 149123101 293 1,967 SH   SOLE   1,967 0 0
RAYTHEON CO COM NEW 755111507 289 5,029 SH   SOLE   5,029 0 0
US BANCORP DEL COM NEW 902973304 284 7,935 SH   SOLE   7,935 0 0
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100 283 3,490 SH   SOLE   3,490 0 0
ENTERPRISE FINL SVCS CORP COM 293712105 276 10,114 SH   SOLE   10,114 0 0
VANGUARD WORLD FDS INF TECH ETF 92204A702 275 883 SH   SOLE   883 0 0
EDGEWELL PERSONAL CARE CO COM 28035Q102 272 9,746 SH   SOLE   9,746 0 0
ISHARES TR S&P SML 600 GWT 464287887 270 1,532 SH   SOLE   1,532 0 0
SELECT SECTOR SPDR TR SBI INT-FINL 81369Y605 270 11,224 SH   SOLE   11,224 0 0
ISHARES TR MSCI USA ESG SLC 464288802 263 1,785 SH   SOLE   1,785 0 0
NUSHARES ETF TR ESG SMALL CAP 67092P607 258 8,700 SH   SOLE   8,700 0 0
SCHWAB STRATEGIC TR US SML CAP ETG 808524607 256 3,745 SH   SOLE   3,745 0 0
AMGEN INC COM 031162100 252 991 SH   SOLE   991 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 250 2,389 SH   SOLE   2,389 0 0
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704 244 3,168 SH   SOLE   3,168 0 0
JACOBS ENGR GROUP INC DEL COM 469814107 241 2,600 SH   SOLE   2,600 0 0
ISHARES TR U.S. MED DVC ETF 464288810 240 800 SH   SOLE   800 0 0
CDW CORP COM 12514G108 239 2,000 SH   SOLE   2,000 0 0
MERCK & CO INC COM 58933Y107 236 2,848 SH   SOLE   2,848 0 0
TRANE TECHNOLOGIES SHS G8994E103 230 1,895 SH   SOLE   1,895 0 0
INTUITIVE SURGICAL INC COM 46120E602 224 315 SH   SOLE   315 0 0
PIMCO ETF TR ACTIVE BD ETF 72201R775 216 1,919 SH   SOLE   1,919 0 0
MASTERCARD INC CL A 57636Q104 212 628 SH   SOLE   628 0 0
GOOGLE INC CL A 38259P508 206 140 SH   SOLE   140 0 0
ABBVIE INC COM 00287Y109 205 2,339 SH   SOLE   2,339 0 0
ILLINOIS TOOL WKS INC COM 452308109 204 1,058 SH   SOLE   1,058 0 0
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 201 3,461 SH   SOLE   3,461 0 0
VANGUARD WORLD FDS CONSUM DIS ETF 92204A108 199 847 SH   SOLE   847 0 0
DANAHER CORPORATION COM 235851102 196 910 SH   SOLE   910 0 0
JP MORGAN EXCHANGE TRADED FD ULTRA SHRT INC 46641Q837 194 3,813 SH   SOLE   3,813 0 0
TRACTOR SUPPLY CO COM 892356106 194 1,350 SH   SOLE   1,350 0 0
ISHARES INC MSCI PAC JP ETF 464286665 187 4,613 SH   SOLE   4,613 0 0
COSTCO WHSL CORP NEW COM 22160K105 187 527 SH   SOLE   527 0 0
CONOCOPHILLIPS COM 20825C104 182 5,550 SH   SOLE   5,550 0 0
EDWARDS LIFESCIENCES CORP COM 28176E108 180 2,260 SH   SOLE   2,260 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 180 3,250 SH   SOLE   3,250 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 177 3,510 SH   SOLE   3,510 0 0
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 173 1,640 SH   SOLE   1,640 0 0
VANGUARD GROUP DIV APP ETF 921908844 172 1,334 SH   SOLE   1,334 0 0
NETFLIX INC COM 64110L106 170 340 SH   SOLE   340 0 0
BUNGE LIMITED COM G16962105 168 3,680 SH   SOLE   3,680 0 0
HUMANA INC COM 444859102 166 402 SH   SOLE   402 0 0
SOUTHERN CO COM 842587107 166 3,057 SH   SOLE   3,057 0 0
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 163 1,112 SH   SOLE   1,112 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 161 1,491 SH   SOLE   1,491 0 0
UNION PAC CORP COM 907818108 157 800 SH   SOLE   800 0 0
FIFTH THIRD BANCORP COM 316773100 149 7,008 SH   SOLE   7,008 0 0
ALTRIA GROUP INC COM 02209S103 149 3,855 SH   SOLE   3,855 0 0
ISHARES TR RUS MD CP GR ETF 464287481 149 861 SH   SOLE   861 0 0
SHOPIFY INC CL A 82509L107 143 140 SH   SOLE   140 0 0
OTIS WORLDWIDE CORP COM 68902V107 137 2,195 SH   SOLE   2,195 0 0
CARRIER GLOBAL CORPORATION COM 14448C104 136 4,452 SH   SOLE   4,452 0 0
ISHARES TR US TREAS BD ETF 46429B267 131 4,673 SH   SOLE   4,673 0 0
HILL ROM HLDGS INC COM 431475102 129 1,545 SH   SOLE   1,545 0 0
RIO TINTO PLC SPONSORED ADR 767204100 127 2,100 SH   SOLE   2,100 0 0
TARGET CORP COM 87612E106 122 775 SH   SOLE   775 0 0
VERISK ANALYTICS INC COM 92345Y106 119 641 SH   SOLE   641 0 0
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886 112 1,880 SH   SOLE   1,880 0 0
FIRST TR EXCHANGE TRADED FD CLOUD COMPUTING 33734X192 110 1,400 SH   SOLE   1,400 0 0
DUKE ENERGY CORP NEW COM NEW 26441C201 110 1,239 SH   SOLE   1,239 0 0
PARKER-HANNIFIN CORP COM 701094104 109 541 SH   SOLE   541 0 0
GRANITESHARES GOLD TR SHS BEN INT 38748G101 109 5,830 SH   SOLE   5,830 0 0
ATHERSYS INC NEW COM 04744L106 109 56,000 SH   SOLE   56,000 0 0
VAIL RESORTS INC COM 91879Q109 108 507 SH   SOLE   507 0 0
PRICE T ROWE GROUP INC COM 74144T108 108 844 SH   SOLE   844 0 0
BANK AMER CORP COM 060505104 106 4,407 SH   SOLE   4,407 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 104 1,255 SH   SOLE   1,255 0 0
BHP GROUP LTD SPONSORED ADS 088606108 103 2,000 SH   SOLE   2,000 0 0
ORACLE CORP COM 68389X105 103 1,732 SH   SOLE   1,732 0 0
INVESCO EXCHANGE TRADED FD T NASDAQ INTERNET 46137V530 103 500 SH   SOLE   500 0 0
MEDTRONIC INC COM 585055106 102 977 SH   SOLE   977 0 0
EBAY INC. COM 278642103 101 1,938 SH   SOLE   1,938 0 0