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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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
APPLE INC COM 037833100 2,625,574 10,306 SH SOLE 0 0 10,306
ABBVIE INC COM 00287Y109 745,351 3,219 SH SOLE 0 0 3,219
AMAZON COM INC COM 023135106 2,183,374 9,955 SH SOLE 0 0 9,955
BLACK HILLS CORP COM 092113109 1,314,715 21,354 SH SOLE 0 0 21,354
CHEVRON CORPORATION COM 166764100 1,598,651 10,297 SH SOLE 0 0 10,297
DUKE ENERGY CORP NEW COM NEW 26441C204 428,283 3,461 SH SOLE 0 0 3,461
ISHARES TR SELECT DIVID ETF 464287168 420,566 2,962 SH SOLE 0 0 2,962
CONSOLIDATED EDISON INC COM 209115104 248,816 2,476 SH SOLE 0 0 2,476
SPDR GOLD TR GOLD SHS 78463V107 211,860 596 SH SOLE 0 0 596
ALPHABET INC CAP STK CL C 02079K107 251,147 1,031 SH SOLE 0 0 1,031
INTERNATIONAL BUSINESS MACHS COM 459200101 205,125 727 SH SOLE 0 0 727
ISHARES TR CORE S&P MCP ETF 464287507 5,958,070 91,289 SH SOLE 0 0 91,289
ISHARES TR CORE S&P SCP ETF 464287804 6,050,006 50,911 SH SOLE 0 0 50,911
JPMORGAN CHASE & CO COM 46625H100 335,581 1,063 SH SOLE 0 0 1,063
KLA CORP COM NEW 482480100 425,367 395 SH SOLE 0 0 395
LOCKHEED MARTIN CORP COM 539830109 266,029 533 SH SOLE 0 0 533
ALTRIA GROUP INC COM 02209S103 2,507,345 37,959 SH SOLE 0 0 37,959
OLD REP INTL CORP COM 680223104 898,480 21,154 SH SOLE 0 0 21,154
PFIZER INC COM 717081103 988,079 38,778 SH SOLE 0 0 38,778
ISHARES TR PFD AND INCM SEC 464288687 439,176 13,888 SH SOLE 0 0 13,888
VANECK ETF TRUST PREFERRED SECURT 92189F429 291,877 16,425 SH SOLE 0 0 16,425
PROCTER & GAMBLE CO COM 742718109 848,638 5,522 SH SOLE 0 0 5,522
PALANTIR TECHNOLOGIES INC CL A 69608A108 247,726 1,358 SH SOLE 0 0 1,358
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 3,313,626 118,767 SH SOLE 0 0 118,767
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 30,873,024 1,200,829 SH SOLE 0 0 1,200,829
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 452,831 19,449 SH SOLE 0 0 19,449
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 2,994,352 101,022 SH SOLE 0 0 101,022
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 1,116,287 38,346 SH SOLE 0 0 38,346
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 3,979,559 151,084 SH SOLE 0 0 151,084
AT&T INC COM 00206R102 375,322 13,290 SH SOLE 0 0 13,290
UNIVERSAL CORP VA MTNS BK EN COM 913456109 320,837 5,743 SH SOLE 0 0 5,743
VANGUARD WORLD FD INF TECH ETF 92204A702 12,425,114 16,628 SH SOLE 0 0 16,628
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 6,438,277 29,837 SH SOLE 0 0 29,837
VANGUARD INDEX FDS TOTAL STK MKT 922908769 259,851 792 SH SOLE 0 0 792
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 5,248,601 37,238 SH SOLE 0 0 37,238
VERIZON COMMUNICATIONS INC COM 92343V104 1,955,036 44,480 SH SOLE 0 0 44,480
WALMART INC COM 931142103 249,497 2,421 SH SOLE 0 0 2,421
SELECT SECTOR SPDR TR ST STR UTIL ETF 81369Y886 797,044 9,139 SH SOLE 0 0 9,139