Keel Point 13F-HR Quarterly holdings report by institutional manager

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
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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
Abbott Laboratories	COM	002824100	568	9,954	SH		SOLE		9,954	0	0
AbbVie Inc	COM	00287Y109	620	6,412	SH		SOLE		5,567	0	845
Accenture plc	COM	G1151C101	1,018	6,647	SH		SOLE		5,530	0	1,117
AFLAC Inc	COM	001055102	1,104	12,574	SH		SOLE		9,562	0	3,012
Air Products & Chemicals Inc	COM	009158106	1,583	9,649	SH		SOLE		9,649	0	0
Alibaba Group Holding Lmtd	COM	01609W102	251	1,455	SH		SOLE		1,450	0	5
Allstate Corporation	COM	020002101	1,908	18,225	SH		SOLE		18,034	0	191
Alphabet Inc Cl A	COM	02079K305	583	553	SH		SOLE		392	0	161
Alphabet Inc Cl C	COM	02079K107	453	433	SH		SOLE		278	0	155
Altria Group Inc	COM	02209S103	293	4,102	SH		SOLE		3,475	0	627
Amazon.com, Inc	COM	023135106	400	342	SH		SOLE		223	0	119
Amdocs Ltd	COM	G02602103	296	4,524	SH		SOLE		4,011	0	513
American Equity Investment Lif	COM	025676206	366	11,903	SH		SOLE		11,903	0	0
American Tower REIT	COM	03027X100	1,109	7,772	SH		SOLE		6,408	0	1,364
Amgen Inc	COM	031162100	567	3,260	SH		SOLE		3,260	0	0
Apple Inc	COM	037833100	6,391	37,765	SH		SOLE		24,272	0	13,493
AT&T Inc	COM	00206R102	712	18,323	SH		SOLE		10,923	0	7,400
Automatic Data Processing	COM	053015103	753	6,427	SH		SOLE		6,427	0	0
AutoZone Inc	COM	053332102	267	375	SH		SOLE		375	0	0
Berkshire Hathaway Inc CL B	COM	084670702	744	3,755	SH		SOLE		3,455	0	300
Berkshire Hills Bancorp Inc	COM	084680107	853	23,300	SH		SOLE		22,249	0	1,051
Bitcoin Investment Trust	COM	09173T108	302	150	SH		SOLE		150	0	0
BlackRock, Inc.	COM	09247X101	412	803	SH		SOLE		453	0	350
Bristol Myers Squibb Co	COM	110122108	388	6,325	SH		SOLE		6,325	0	0
British American Tobacco plc	COM	110448107	202	3,014	SH		SOLE		2,277	0	737
Buckeye Partners LP	COM	118230101	892	18,000	SH		SOLE		18,000	0	0
Business Development Co	COM	12325J101	1,953	235,055	SH		SOLE		235,055	0	0
Capital One Financial Corp	COM	14040H105	533	5,355	SH		SOLE		5,355	0	0
Caterpillar Inc	COM	149123101	264	1,673	SH		SOLE		973	0	700
Caviton Energy Systems Inc	COM	BEK996500	0	19,160	SH		SOLE		19,160	0	0
Celgene Corporation	COM	151020104	342	3,277	SH		SOLE		1,770	0	1,507
Charter Communications Inc.	COM	16119P108	386	1,149	SH		SOLE		1,149	0	0
Chubb Limited	COM	H1467J104	381	2,606	SH		SOLE		1,419	0	1,187
Church & Dwight Company, Inc.	COM	171340102	262	5,227	SH		SOLE		2,408	0	2,819
Cisco Systems Inc	COM	17275R102	352	9,194	SH		SOLE		3,124	0	6,070
Citigroup Inc	COM	172967424	1,064	14,304	SH		SOLE		14,116	0	188
Colonial BancGroup Inc	COM	195493309	0	13,500	SH		SOLE		0	0	13,500
Comcast Corporation	COM	20030N101	328	8,182	SH		SOLE		8,150	0	32
ConAgra Foods, Inc.	COM	205887102	202	5,373	SH		SOLE		5,107	0	266
Connecture Inc	COM	20786J106	12	75,600	SH		SOLE		75,600	0	0
Corning Incorporated	COM	219350105	573	17,923	SH		SOLE		17,618	0	305
Danaher Corporation	COM	235851102	227	2,444	SH		SOLE		2,245	0	199
DowDuPont Inc	COM	26078J100	249	3,495	SH		SOLE		3,335	0	160
DXC Technology Co.	COM	23355L106	352	3,707	SH		SOLE		3,707	0	0
Dycom Industries Inc	COM	267475101	4,722	42,372	SH		SOLE		31,499	0	10,873
Eli Lilly & Company	COM	532457108	639	7,565	SH		SOLE		7,494	0	71
Enterprise Products Partners L	COM	293792107	2,102	79,276	SH		SOLE		55,404	0	23,872
Exxon Mobil Corporation	COM	30231G102	849	10,146	SH		SOLE		10,039	0	107
Facebook Inc	COM	30303M102	398	2,258	SH		SOLE		1,508	0	750
Federal Realty Investment Trus	COM	313747206	217	1,635	SH		SOLE		1,635	0	0
General Electric Company	COM	369604103	460	26,365	SH		SOLE		23,614	0	2,751
Golden Arch Resources Ltd.	COM	38079K101	0	23,000	SH		SOLE		23,000	0	0
Goldman Sachs Group Inc	COM	38141G104	892	3,500	SH		SOLE		0	0	3,500
Holly Energy Partners LP	COM	435763107	260	8,000	SH		SOLE		0	0	8,000
Home Depot Incorporated	COM	437076102	4,373	23,073	SH		SOLE		12,805	0	10,268
Honeywell International Inc	COM	438516106	479	3,123	SH		SOLE		2,667	0	456
Inspire Global Hope ETF	COM	66538H658	986	34,671	SH		SOLE		0	0	34,671
Inspire Small/Mid Cap Impact E	COM	66538H641	385	14,565	SH		SOLE		0	0	14,565
INTEL Corporation	COM	458140100	210	4,558	SH		SOLE		4,338	0	220
Intellitar Inc Series A Pfd	COM	458998663	0	12,000	SH		SOLE		12,000	0	0
International Business Machine	COM	459200101	744	4,846	SH		SOLE		4,846	0	0
Iqvia Holdings Inc	COM	46266C105	362	3,695	SH		SOLE		1,695	0	2,000
iShares Edge Msci USA Quality	COM	46432F339	10,384	125,260	SH		SOLE		103,703	0	21,557
iShares MSCI All Country Asia	COM	464288182	1,660	21,758	SH		SOLE		21,753	0	5
iShares MSCI EAFE Small Cap ET	COM	464288273	87,045	1,349,542	SH		SOLE		1,003,731	0	345,811
iShares MSCI Emerging Markets	COM	464287234	46,263	981,802	SH		SOLE		635,818	0	345,985
iShares Russell 2000 Index	COM	464287655	1,227	8,046	SH		SOLE		6,327	0	1,719
iShares S&P U.S. Preferred Sto	COM	464288687	561	14,730	SH		SOLE		14,730	0	0
J. C. Penney Company, Inc.	COM	708160106	171	54,017	SH		SOLE		54,017	0	0
Johnson & Johnson Company	COM	478160104	846	6,053	SH		SOLE		5,240	0	813
JP Morgan Chase & Company	COM	46625H100	383	3,580	SH		SOLE		2,455	0	1,125
Kimberly-Clark Corp	COM	494368103	228	1,891	SH		SOLE		1,826	0	65
L-3 Technologies, Inc.	COM	502413107	680	3,435	SH		SOLE		1,744	0	1,691
Lam Research Corp	COM	512807108	425	2,307	SH		SOLE		1,207	0	1,100
Lowe's Companies Inc.	COM	548661107	541	5,823	SH		SOLE		4,954	0	869
Magellan Midstream Partners LP	COM	559080106	1,141	16,089	SH		SOLE		89	0	16,000
Mastercard Inc.	COM	57636Q104	462	3,053	SH		SOLE		2,758	0	295
Microchip Technology Inc.	COM	595017104	325	3,694	SH		SOLE		2,294	0	1,400
Microsoft Corporation	COM	594918104	813	9,501	SH		SOLE		7,791	0	1,710
Nantech Inds Inc	COM	630100105	0	10,000	SH		SOLE		10,000	0	0
NextEra Energy, Inc.	COM	65339F101	542	3,467	SH		SOLE		3,382	0	85
NIC Inc	COM	62914B100	464	27,925	SH		SOLE		27,475	0	450
Nike Inc	COM	654106103	319	5,101	SH		SOLE		5,101	0	0
Norfolk Southern Corp	COM	655844108	228	1,571	SH		SOLE		1,308	0	263
Novo Nordisk A/S	COM	670100205	363	6,758	SH		SOLE		4,258	0	2,500
ONEOK Inc.	COM	682680103	270	5,053	SH		SOLE		5,053	0	0
PC Connection Inc	COM	69318J100	771	29,413	SH		SOLE		25,704	0	3,709
Pepsico Inc	COM	713448108	1,955	16,300	SH		SOLE		16,057	0	243
Perseus Mining Ltd NPV	COM	Q74174105	14	48,500	SH		SOLE		48,500	0	0
Pfizer Inc	COM	717081103	420	11,588	SH		SOLE		10,398	0	1,190
Philip Morris International In	COM	718172109	317	3,003	SH		SOLE		2,637	0	366
Phillips Van Heusen Corp.	COM	693656100	664	4,840	SH		SOLE		4,789	0	51
ProAssurance Corp	COM	74267C106	627	10,970	SH		SOLE		1,390	0	9,580
Procter & Gamble Co	COM	742718109	607	6,603	SH		SOLE		6,473	0	130
Reata Pharmaceuticals, Inc.	COM	75615P103	2,239	79,071	SH		SOLE		60,129	0	18,942
Red Hat, Inc.	COM	756577102	319	2,660	SH		SOLE		1,360	0	1,300
Rockwell Automation Inc	COM	773903109	338	1,724	SH		SOLE		1,124	0	600
Rollins Inc	COM	775711104	1,162	24,966	SH		SOLE		18,571	0	6,395
Rolls-Royce Holdings plc	COM	G76225138	0	380,540	SH		SOLE		380,540	0	0
Ross Stores Inc	COM	778296103	2,590	32,275	SH		SOLE		32,037	0	238
Royal Bank of Canada	COM	780087102	2,778	34,023	SH		SOLE		34,023	0	0
Rydex S&P Equal Weight	COM	78355W106	763	7,551	SH		SOLE		7,346	0	205
ServisFirst Bancshares Inc	COM	81768T108	330	7,962	SH		SOLE		7,962	0	0
SPDR Gold Trust ETF	COM	78463V107	12,206	98,716	SH		SOLE		69,528	0	29,188
SPDR S&P 500 ETF	COM	78462F103	12,131	45,458	SH		SOLE		37,520	0	7,938
Sprott Physical Silver Trust	COM	85207K107	135	21,300	SH		SOLE		21,300	0	0
Synchronoss Technologies Inc	COM	87157B103	156	17,492	SH		SOLE		17,275	0	217
Synovus Financial Corp	COM	87161C501	287	5,992	SH		SOLE		5,992	0	0
SYSCO Corporation	COM	871829107	351	5,782	SH		SOLE		5,782	0	0
Target Corporation	COM	87612E106	607	9,297	SH		SOLE		9,297	0	0
Teradyne Inc	COM	880770102	469	11,200	SH		SOLE		11,200	0	0
The Coca-Cola Company	COM	191216100	739	16,102	SH		SOLE		15,736	0	366
The Estee Lauder Companies Inc	COM	518439104	205	1,609	SH		SOLE		934	0	675
The Walt Disney Company	COM	254687106	890	8,282	SH		SOLE		8,282	0	0
TriLinc Global Impact Fund	COM	89619H108	138	16,164	SH		SOLE		16,164	0	0
United Technologies Corp	COM	913017109	694	5,440	SH		SOLE		5,440	0	0
UNUM Group	COM	91529Y106	378	6,888	SH		SOLE		5,520	0	1,368
UTG, Inc.	COM	293747341	478	21,739	SH		SOLE		0	0	21,739
Vail Resorts Inc	COM	91879Q109	1,458	6,862	SH		SOLE		5,830	0	1,032
Vanguard Growth ETF	COM	922908736	1,933	13,745	SH		SOLE		13,745	0	0
Vanguard Small-Cap Value VIPER	COM	922908611	763	5,743	SH		SOLE		5,743	0	0
Vanguard Small Cap Growth ETF	COM	922908595	1,646	10,234	SH		SOLE		10,234	0	0
VEREIT, Inc.	COM	92339V100	103	13,221	SH		SOLE		13,221	0	0
Verizon Communications Inc.	COM	92343V104	428	8,081	SH		SOLE		7,361	0	720
Visa Inc	COM	92826C839	1,354	11,874	SH		SOLE		10,207	0	1,667
Wells Fargo & Company	COM	949746101	413	6,809	SH		SOLE		6,650	0	159
Westamerica Bancorp.	COM	957090103	659	11,068	SH		SOLE		10,945	0	123
WisdomTree Japan Hedged Equity	COM	97717W851	10,059	169,541	SH		SOLE		141,310	0	28,231
Zimmer Biomet Holdings, Inc.	COM	98956P102	209	1,735	SH		SOLE		835	0	900
ANR Inc Rt RTS 3/31/2023	WT	03634H118	0	25,258	SH		SOLE		25,258	0	0
VEREIT Series F Pfd	PFD	92339V209	589	23,034	SH		SOLE		23,034	0	0
Alerian MLP ETF	COM	00162Q866	452	41,907	SH		SOLE		41,907	0	0
Deutsche X-trackers MSCI EAFE	COM	233051200	470	14,775	SH		SOLE		0	0	14,775
First Trust Large Cap Core Alp	COM	33734K109	215	3,675	SH		SOLE		3,675	0	0
First Trust Mid Cap Core Alpha	COM	33735B108	303	4,603	SH		SOLE		4,603	0	0
FT Unit 6707 Diversified Equit	COM	30302W242	633	58,598	SH		SOLE		58,598	0	0
FT Unit 6707 Diversified Equit	COM	30302W259	390	36,110	SH		SOLE		36,110	0	0
FT Unit 6887 Diversified Equit	COM	30304W281	112	10,854	SH		SOLE		10,854	0	0
Inspire Corporate Bond Impact	COM	66538H633	379	15,016	SH		SOLE		0	0	15,016
iShares Barclays 20 Year Trea	COM	464287432	29,696	234,081	SH		SOLE		175,610	0	58,471
iShares Barclays 3-7 Yr T-bond	COM	464288661	2,207	18,068	SH		SOLE		18,043	0	25
iShares Barclays Aggregate Bon	COM	464287226	29,206	267,141	SH		SOLE		187,136	0	80,004
iShares Barclays TIPS Bond Fun	COM	464287176	30,793	269,929	SH		SOLE		211,390	0	58,538
iShares Dow Jones US Aerospace	COM	464288760	10,828	57,559	SH		SOLE		47,957	0	9,602
iShares Edge MSCI Min Vol Glob	COM	464286525	34,017	403,423	SH		SOLE		285,772	0	117,651
iShares Global Timber & Forest	COM	464288174	5,210	73,252	SH		SOLE		60,698	0	12,554
iShares MSCI ACWI ETF	COM	464288257	292	4,045	SH		SOLE		4,045	0	0
iShares MSCI EAFE Index Fund E	COM	464287465	1,247	17,730	SH		SOLE		4,984	0	12,746
iShares MSCI Germany	COM	464286806	10,175	308,158	SH		SOLE		255,567	0	52,591
iShares Russell 1000 ETF	COM	464287622	10,332	69,526	SH		SOLE		57,627	0	11,899
iShares Russell 1000 Growth In	COM	464287614	11,597	86,105	SH		SOLE		71,640	0	14,465
iShares Russell 3000 Index Fun	COM	464287689	803	5,075	SH		SOLE		0	0	5,075
iShares S&P 500 Index ETF	COM	464287200	460	1,712	SH		SOLE		302	0	1,410
iShares Silver Trust ETF	COM	46428Q109	634	39,655	SH		SOLE		8,715	0	30,940
Materials SPDR ETF	COM	81369Y100	8,599	142,064	SH		SOLE		116,577	0	25,487
Schwab US Large-Cap ETF	COM	808524201	2,465	38,642	SH		SOLE		38,642	0	0
SPDR Euro Stoxx 50	COM	78463X202	540	13,264	SH		SOLE		491	0	12,773
SPDR S&P International Small C	COM	78463X871	892	25,153	SH		SOLE		23,431	0	1,722
Technology Select Sector SPDR	COM	81369Y803	11,127	174,002	SH		SOLE		144,818	0	29,184
Vanguard Dividend Appreciation	COM	921908844	871	8,533	SH		SOLE		6,146	0	2,387
Vanguard Extended Market ETF	COM	922908652	1,777	15,907	SH		SOLE		15,779	0	128
Vanguard FTSE Developed Market	COM	921943858	41,758	930,859	SH		SOLE		589,732	0	341,126
Vanguard High Dividend Yield I	COM	921946406	1,250	14,599	SH		SOLE		14,599	0	0
Vanguard MSCI Pacific ETF	COM	922042866	9,158	125,622	SH		SOLE		104,412	0	21,210
Vanguard REIT Index ETF	COM	922908553	19,264	232,153	SH		SOLE		168,277	0	63,876
Vanguard Russell 2000 Index ET	COM	92206C664	32,412	265,038	SH		SOLE		257,365	0	7,673
Vanguard S&P 500 ETF	COM	922908363	109,932	448,172	SH		SOLE		315,612	0	132,560
Vanguard Small Cap ETF	COM	922908751	16,564	112,068	SH		SOLE		35,816	0	76,252
Vanguard Total International B	COM	92203J407	1,270	23,351	SH		SOLE		23,318	0	33
Vanguard Value ETF	COM	922908744	3,114	29,289	SH		SOLE		29,289	0	0
VelocityShares Daily Inverse V	COM	22542D795	11,282	83,919	SH		SOLE		63,500	0	20,419
WisdomTree Europe Hedged Equit	COM	97717X701	1,141	17,909	SH		SOLE		12,214	0	5,695