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
Expires: July 31, 2015
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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
AMAZON COM INC COM 023135106 1,872,139 8,989 SH SOLE 0 0 8,989
CHEVRON CORPORATION COM 166764100 442,092 2,138 SH SOLE 0 0 2,138
CONSOLIDATED EDISON INC COM 209115104 284,757 2,516 SH SOLE 0 0 2,516
FRANKLIN RESOURCES INC COM 354613101 1,578,782 66,825 SH SOLE 0 0 66,825
ISHARES TR SELECT DIVID ETF 464287168 417,398 2,755 SH SOLE 0 0 2,755
ISHARES TR CORE S&P MCP ETF 464287507 899,359 13,318 SH SOLE 0 0 13,318
ISHARES TR CORE S&P SCP ETF 464287804 6,854,598 55,131 SH SOLE 0 0 55,131
ISHARES TR PFD AND INCM SEC 464288687 230,680 7,608 SH SOLE 0 0 7,608
JOHNSON & JOHNSON COM 478160104 216,343 884 SH SOLE 0 0 884
KLA CORP COM NEW 482480100 567,628 386 SH SOLE 0 0 386
LOCKHEED MARTIN CORP COM 539830109 326,756 541 SH SOLE 0 0 541
MERCURY GENL CORP NEW COM 589400100 201,515 2,287 SH SOLE 0 0 2,287
OLD REP INTL CORP COM 680223104 853,645 21,395 SH SOLE 0 0 21,395
PFIZER INC COM 717081103 1,872,783 66,683 SH SOLE 0 0 66,683
PROCTER & GAMBLE CO COM 742718109 564,454 3,908 SH SOLE 0 0 3,908
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 28,787,512 1,146,898 SH SOLE 0 0 1,146,898
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 3,886,906 151,591 SH SOLE 0 0 151,591
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 1,181,032 38,723 SH SOLE 0 0 38,723
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 3,118,510 100,726 SH SOLE 0 0 100,726
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 3,140,624 107,999 SH SOLE 0 0 107,999
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 491,776 19,868 SH SOLE 0 0 19,868
UNIVERSAL CORP VA MTNS BK EN COM 913456109 269,055 5,104 SH SOLE 0 0 5,104
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 6,997,729 32,533 SH SOLE 0 0 32,533
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 1,304,922 8,808 SH SOLE 0 0 8,808
VANGUARD INDEX FDS TOTAL STK MKT 922908769 254,816 794 SH SOLE 0 0 794
WALMART INC COM 931142103 336,172 2,706 SH SOLE 0 0 2,706
AT&T INC COM 00206R102 337,542 11,642 SH SOLE 0 0 11,642
ABBVIE INC COM 00287Y109 709,028 3,257 SH SOLE 0 0 3,257
ALPHABET INC CAP STK CL C 02079K107 296,199 1,032 SH SOLE 0 0 1,032
ALTRIA GROUP INC COM 02209S103 2,683,768 40,662 SH SOLE 0 0 40,662
APPLE INC COM 037833100 2,773,839 10,911 SH SOLE 0 0 10,911
DOMINION ENERGY INC COM 25746U109 1,450,316 23,448 SH SOLE 0 0 23,448
DUKE ENERGY CORP NEW COM NEW 26441C204 513,172 3,918 SH SOLE 0 0 3,918
JPMORGAN CHASE & CO COM 46625H100 401,880 1,365 SH SOLE 0 0 1,365
SPDR GOLD TR GOLD SHS 78463V107 8,713,671 91,634 SH SOLE 0 0 91,634
SELECT SECTOR SPDR TR ST STR TECHN ETF 81369Y803 233,095 1,752 SH SOLE 0 0 1,752
SELECT SECTOR SPDR TR ST STR UTIL ETF 81369Y886 849,266 18,506 SH SOLE 0 0 18,506
VANECK ETF TRUST PREFERRED SECURT 92189F429 281,140 16,027 SH SOLE 0 0 16,027
VANGUARD WORLD FD INF TECH ETF 92204A702 11,161,342 15,983 SH SOLE 0 0 15,983
VERIZON COMMUNICATIONS INC COM 92343V104 2,461,581 49,026 SH SOLE 0 0 49,026
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 215,640 450 SH SOLE 0 0 450