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
AMAZON COM INC COM 023135106 2,176,474 9,146 SH SOLE 0 0 9,146
APPLE INC COM 037833100 2,972,915 10,274 SH SOLE 0 0 10,274
CHEVRON CORPORATION COM 166764100 357,527 2,159 SH SOLE 0 0 2,159
CONSOLIDATED EDISON INC COM 209115104 280,623 2,536 SH SOLE 0 0 2,536
FRANKLIN RESOURCES INC COM 354613101 2,294,527 68,964 SH SOLE 0 0 68,964
INTERNATIONAL BUSINESS MACHS COM 459200101 208,087 741 SH SOLE 0 0 741
ISHARES TR SELECT DIVID ETF 464287168 434,379 2,779 SH SOLE 0 0 2,779
ISHARES TR CORE S&P MCP ETF 464287507 969,884 12,582 SH SOLE 0 0 12,582
ISHARES TR CORE S&P SCP ETF 464287804 8,359,700 56,354 SH SOLE 0 0 56,354
JOHNSON & JOHNSON COM 478160104 225,749 890 SH SOLE 0 0 890
KLA CORP COM NEW 482480100 1,164,284 3,859 SH SOLE 0 0 3,859
LOCKHEED MARTIN CORP COM 539830109 277,289 544 SH SOLE 0 0 544
MERCURY GENL CORP NEW COM 589400100 244,464 2,292 SH SOLE 0 0 2,292
OLD REP INTL CORP COM 680223104 882,582 21,568 SH SOLE 0 0 21,568
PFIZER INC COM 717081103 1,644,616 68,297 SH SOLE 0 0 68,297
PROCTER & GAMBLE CO COM 742718109 499,635 3,406 SH SOLE 0 0 3,406
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 34,583,629 1,194,348 SH SOLE 0 0 1,194,348
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 4,423,957 150,324 SH SOLE 0 0 150,324
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 1,318,482 37,875 SH SOLE 0 0 37,875
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 3,699,174 100,330 SH SOLE 0 0 100,330
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 3,855,281 106,705 SH SOLE 0 0 106,705
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 553,717 19,988 SH SOLE 0 0 19,988
UNIVERSAL CORP VA MTNS BK EN COM 913456109 257,960 4,945 SH SOLE 0 0 4,945
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 7,887,318 33,328 SH SOLE 0 0 33,328
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 1,381,190 8,738 SH SOLE 0 0 8,738
WALMART INC COM 931142103 307,472 2,715 SH SOLE 0 0 2,715
SPDR GOLD TR GOLD SHS 78463V107 7,867,045 96,684 SH SOLE 0 0 96,684
AT&T INC COM 00206R102 234,662 11,338 SH SOLE 0 0 11,338
ABBVIE INC COM 00287Y109 826,906 3,287 SH SOLE 0 0 3,287
ALPHABET INC CAP STK CL C 02079K107 365,051 1,033 SH SOLE 0 0 1,033
ALTRIA GROUP INC COM 02209S103 2,990,453 41,560 SH SOLE 0 0 41,560
DOMINION ENERGY INC COM 25746U109 1,650,497 24,158 SH SOLE 0 0 24,158
DUKE ENERGY CORP NEW COM NEW 26441C204 500,265 3,953 SH SOLE 0 0 3,953
JPMORGAN CHASE & CO COM 46625H100 448,480 1,369 SH SOLE 0 0 1,369
SELECT SECTOR SPDR TR ST STR TECHN ETF 81369Y803 337,964 1,770 SH SOLE 0 0 1,770
SELECT SECTOR SPDR TR ST STR UTIL ETF 81369Y886 843,884 18,613 SH SOLE 0 0 18,613
VANECK ETF TRUST PREFERRED SECURT 92189F429 287,405 16,110 SH SOLE 0 0 16,110
VANGUARD WORLD FD INF TECH ETF 92204A702 15,595,217 130,456 SH SOLE 0 0 130,456
VERIZON COMMUNICATIONS INC COM 92343V104 2,142,462 50,590 SH SOLE 0 0 50,590