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	550	9,024	SH		SOLE		9,024	0	0
AbbVie Inc	COM	00287Y109	416	4,491	SH		SOLE		4,491	0	0
Accenture plc	COM	G1151C101	1,174	7,175	SH		SOLE		5,798	0	1,377
AFLAC Inc	COM	001055102	1,034	24,030	SH		SOLE		18,508	0	5,522
Air Products & Chemicals Inc	COM	009158106	1,503	9,649	SH		SOLE		9,649	0	0
Alibaba Group Holding Lmtd	COM	01609W102	370	1,995	SH		SOLE		1,985	0	10
Allstate Corporation	COM	020002101	1,589	17,406	SH		SOLE		17,215	0	191
Alphabet Inc Cl A	COM	02079K305	659	584	SH		SOLE		428	0	156
Alphabet Inc Cl C	COM	02079K107	358	321	SH		SOLE		234	0	87
Amazon.com, Inc	COM	023135106	1,091	642	SH		SOLE		356	0	286
Amdocs Ltd	COM	G02602103	246	3,714	SH		SOLE		3,329	0	385
American Equity Investment Lif	COM	025676206	429	11,903	SH		SOLE		11,903	0	0
American Tower REIT	COM	03027X100	904	6,268	SH		SOLE		4,911	0	1,357
Amgen Inc	COM	031162100	680	3,684	SH		SOLE		3,394	0	290
Apple Inc	COM	037833100	6,955	37,570	SH		SOLE		23,868	0	13,702
AT&T Inc	COM	00206R102	596	18,571	SH		SOLE		11,830	0	6,741
Automatic Data Processing	COM	053015103	835	6,227	SH		SOLE		6,227	0	0
Berkshire Hathaway Inc CL B	COM	084670702	713	3,820	SH		SOLE		2,675	0	1,145
Berkshire Hills Bancorp Inc	COM	084680107	885	21,791	SH		SOLE		21,495	0	296
Bitcoin Investment Trust	COM	09173T108	120	14,013	SH		SOLE		14,013	0	0
BlackRock, Inc.	COM	09247X101	230	462	SH		SOLE		462	0	0
Bristol Myers Squibb Co	COM	110122108	350	6,325	SH		SOLE		6,325	0	0
Buckeye Partners LP	COM	118230101	633	18,000	SH		SOLE		18,000	0	0
Business Development Co	COM	12325J101	1,803	218,239	SH		SOLE		218,239	0	0
Capital One Financial Corp	COM	14040H105	492	5,355	SH		SOLE		5,355	0	0
Caterpillar Inc	COM	149123101	227	1,673	SH		SOLE		973	0	700
Caviton Energy Systems Inc	COM	BEK996500	0	19,160	SH		SOLE		19,160	0	0
Charter Communications Inc.	COM	16119P108	273	931	SH		SOLE		931	0	0
Church & Dwight Company, Inc.	COM	171340102	370	6,957	SH		SOLE		3,278	0	3,679
Cisco Systems Inc	COM	17275R102	411	9,553	SH		SOLE		3,483	0	6,070
Citigroup Inc	COM	172967424	955	14,265	SH		SOLE		14,047	0	218
Cognizant Technology Solutions	COM	192446102	349	4,424	SH		SOLE		2,513	0	1,912
Colonial BancGroup Inc	COM	195493309	0	13,500	SH		SOLE		0	0	13,500
Comcast Corporation	COM	20030N101	300	9,146	SH		SOLE		9,146	0	0
Corning Incorporated	COM	219350105	493	17,923	SH		SOLE		17,618	0	305
Costco Wholesale Corporation	COM	22160K105	384	1,840	SH		SOLE		1,007	0	833
CSX Corp	COM	126408103	223	3,494	SH		SOLE		2,485	0	1,009
CVS Caremark Corp	COM	126650100	235	3,656	SH		SOLE		3,081	0	575
Danaher Corporation	COM	235851102	303	3,073	SH		SOLE		2,454	0	619
DXC Technology Co.	COM	23355L106	299	3,707	SH		SOLE		3,707	0	0
Dycom Industries Inc	COM	267475101	3,831	40,534	SH		SOLE		30,531	0	10,003
Ecolab Incorporated	COM	278865100	274	1,950	SH		SOLE		945	0	1,005
Eli Lilly & Company	COM	532457108	399	4,676	SH		SOLE		4,590	0	86
Enterprise Products Partners L	COM	293792107	2,196	79,376	SH		SOLE		55,504	0	23,872
Exxon Mobil Corporation	COM	30231G102	620	7,493	SH		SOLE		7,386	0	107
Facebook Inc	COM	30303M102	575	2,959	SH		SOLE		1,609	0	1,350
FedEx Corporation	COM	31428X106	210	924	SH		SOLE		754	0	170
General Electric Company	COM	369604103	268	19,716	SH		SOLE		17,700	0	2,016
Golden Arch Resources Ltd.	COM	38079K101	0	23,000	SH		SOLE		23,000	0	0
Goldman Sachs Group Inc	COM	38141G104	757	3,430	SH		SOLE		30	0	3,400
Holly Energy Partners LP	COM	435763107	226	8,000	SH		SOLE		0	0	8,000
Home Depot Incorporated	COM	437076102	4,288	21,980	SH		SOLE		12,398	0	9,582
Honeywell International Inc	COM	438516106	371	2,576	SH		SOLE		2,382	0	194
Inspire Global Hope ETF	COM	66538H658	1,711	61,094	SH		SOLE		0	0	61,094
Inspire Small/Mid Cap Impact E	COM	66538H641	664	23,384	SH		SOLE		0	0	23,384
International Business Machine	COM	459200101	1,023	7,320	SH		SOLE		4,474	0	2,846
Invesco BulletShrs 2019 Corp B	COM	46138J304	235	11,170	SH		SOLE		11,170	0	0
Invesco S&P 500 Equal Weight	COM	46137V357	749	7,346	SH		SOLE		7,346	0	0
Iqvia Holdings Inc	COM	46266C105	269	2,695	SH		SOLE		1,695	0	1,000
iShares MSCI All Country Asia	COM	464288182	332	4,634	SH		SOLE		4,634	0	0
iShares MSCI EAFE Small Cap ET	COM	464288273	87,496	1,394,577	SH		SOLE		1,054,715	0	339,862
iShares MSCI Emerging Markets	COM	464287234	64,814	1,495,827	SH		SOLE		1,136,577	0	359,250
iShares Russell 2000 Index	COM	464287655	11,670	71,256	SH		SOLE		59,379	0	11,877
iShares S&P MidCap 400 Index	COM	464287507	277	1,423	SH		SOLE		1,033	0	390
iShares S&P SmallCap 600 Index	COM	464287804	234	2,799	SH		SOLE		1,410	0	1,389
iShares S&P U.S. Preferred Sto	COM	464288687	413	10,943	SH		SOLE		10,244	0	699
J. C. Penney Company, Inc.	COM	708160106	126	54,017	SH		SOLE		54,017	0	0
Johnson & Johnson Company	COM	478160104	587	4,841	SH		SOLE		3,885	0	956
JP Morgan Chase & Company	COM	46625H100	396	3,797	SH		SOLE		2,672	0	1,125
Kimberly-Clark Corp	COM	494368103	202	1,917	SH		SOLE		1,852	0	65
L-3 Technologies, Inc.	COM	502413107	645	3,355	SH		SOLE		1,744	0	1,611
Lam Research Corp	COM	512807108	305	1,764	SH		SOLE		664	0	1,100
Lowe's Companies Inc.	COM	548661107	344	3,598	SH		SOLE		3,147	0	451
Magellan Midstream Partners LP	COM	559080106	1,113	16,105	SH		SOLE		105	0	16,000
Mastercard Inc.	COM	57636Q104	749	3,813	SH		SOLE		2,464	0	1,349
Medtronic PLC	COM	G5960L103	243	2,836	SH		SOLE		2,012	0	824
Microsoft Corporation	COM	594918104	1,162	11,781	SH		SOLE		9,676	0	2,105
Nantech Inds Inc	COM	630100105	0	10,000	SH		SOLE		10,000	0	0
NextEra Energy, Inc.	COM	65339F101	579	3,467	SH		SOLE		3,382	0	85
NIC Inc	COM	62914B100	417	26,797	SH		SOLE		26,347	0	450
Norfolk Southern Corp	COM	655844108	210	1,392	SH		SOLE		1,308	0	84
Novo Nordisk A/S	COM	670100205	315	6,823	SH		SOLE		4,323	0	2,500
ONEOK Inc.	COM	682680103	353	5,053	SH		SOLE		5,053	0	0
PC Connection Inc	COM	69318J100	942	28,383	SH		SOLE		25,104	0	3,279
Pepsico Inc	COM	713448108	1,384	12,710	SH		SOLE		12,537	0	173
Perseus Mining Ltd NPV	COM	Q74174105	15	48,500	SH		SOLE		48,500	0	0
Pfizer Inc	COM	717081103	417	11,490	SH		SOLE		10,550	0	940
Philip Morris International In	COM	718172109	207	2,565	SH		SOLE		2,263	0	302
Phillips Van Heusen Corp.	COM	693656100	716	4,779	SH		SOLE		4,728	0	51
ProAssurance Corp	COM	74267C106	371	10,470	SH		SOLE		1,390	0	9,080
Procter & Gamble Co	COM	742718109	615	7,885	SH		SOLE		5,693	0	2,192
Reata Pharmaceuticals, Inc.	COM	75615P103	2,765	79,071	SH		SOLE		60,129	0	18,942
Rollins Inc	COM	775711104	1,090	20,734	SH		SOLE		18,138	0	2,596
Ross Stores Inc	COM	778296103	2,718	32,067	SH		SOLE		31,829	0	238
Royal Bank of Canada	COM	780087102	2,421	32,149	SH		SOLE		32,149	0	0
ServisFirst Bancshares Inc	COM	81768T108	332	7,962	SH		SOLE		7,962	0	0
SPDR Gold Trust ETF	COM	78463V107	12,023	101,332	SH		SOLE		72,220	0	29,112
SPDR S&P 500 ETF	COM	78462F103	2,842	10,478	SH		SOLE		8,266	0	2,212
Synchronoss Technologies Inc	COM	87157B103	113	18,313	SH		SOLE		18,096	0	217
Synovus Financial Corp	COM	87161C501	319	6,041	SH		SOLE		6,041	0	0
SYSCO Corporation	COM	871829107	399	5,850	SH		SOLE		5,850	0	0
Target Corporation	COM	87612E106	708	9,304	SH		SOLE		9,304	0	0
Teradyne Inc	COM	880770102	386	10,148	SH		SOLE		10,148	0	0
The Boeing Company	COM	097023105	391	1,165	SH		SOLE		1,014	0	151
The Coca-Cola Company	COM	191216100	700	15,965	SH		SOLE		13,717	0	2,248
The Walt Disney Company	COM	254687106	1,040	9,925	SH		SOLE		8,535	0	1,390
Thermo Fisher Scientific Inc	COM	883556102	245	1,182	SH		SOLE		987	0	195
TriLinc Global Impact Fund	COM	89619H108	136	16,164	SH		SOLE		16,164	0	0
United Technologies Corp	COM	913017109	661	5,286	SH		SOLE		5,286	0	0
UNUM Group	COM	91529Y106	255	6,888	SH		SOLE		5,520	0	1,368
UTG, Inc.	COM	293747341	554	21,739	SH		SOLE		0	0	21,739
Vail Resorts Inc	COM	91879Q109	1,948	7,104	SH		SOLE		5,852	0	1,252
Vanguard Growth ETF	COM	922908736	1,296	8,654	SH		SOLE		8,223	0	431
Vanguard Small-Cap Value VIPER	COM	922908611	584	4,302	SH		SOLE		4,212	0	89
Vanguard Small Cap Growth ETF	COM	922908595	968	5,504	SH		SOLE		5,434	0	70
Verizon Communications Inc.	COM	92343V104	334	6,637	SH		SOLE		5,580	0	1,057
Visa Inc	COM	92826C839	1,615	12,195	SH		SOLE		10,188	0	2,007
Wells Fargo & Company	COM	949746101	372	6,709	SH		SOLE		6,550	0	159
Westamerica Bancorp.	COM	957090103	609	10,785	SH		SOLE		10,662	0	123
VEREIT Series F Pfd, 6 07	PFD	92339V209	387	15,412	SH		SOLE		15,412	0	0
Alerian MLP ETF	COM	00162Q866	451	44,675	SH		SOLE		44,675	0	0
Consumer Discret Select Sector	COM	81369Y407	10,534	96,376	SH		SOLE		80,995	0	15,381
Deutsche X-trackers MSCI EAFE	COM	233051200	464	14,775	SH		SOLE		0	0	14,775
First Trust Mid Cap Core Alpha	COM	33735B108	295	4,313	SH		SOLE		4,313	0	0
FT Unit 6707 Diversified Equit	COM	30302W242	635	58,598	SH		SOLE		58,598	0	0
FT Unit 6707 Diversified Equit	COM	30302W259	394	36,421	SH		SOLE		36,421	0	0
FT Unit 6887 Diversified Equit	COM	30304W281	138	13,377	SH		SOLE		13,377	0	0
FT Unit 7130 S&P Divid Aristoc	COM	30305X627	101	11,178	SH		SOLE		11,178	0	0
FT Unit 7259 75/25 Strategic A	COM	30307E858	122	12,270	SH		SOLE		12,270	0	0
FT Unit 7295 Diversified Eq St	COM	30307C589	377	37,436	SH		SOLE		37,436	0	0
FT Unit 7341 Sr Ln Closed End	COM	30308C455	167	17,428	SH		SOLE		17,428	0	0
FT Unit 7366 Interest Rate Hed	COM	30308C737	167	17,154	SH		SOLE		17,154	0	0
FT Unit 7421 Strategic Income	COM	30308W139	169	17,312	SH		SOLE		17,312	0	0
Inspire Corporate Bond Impact	COM	66538H633	410	16,797	SH		SOLE		0	0	16,797
Invesco BulletShrs 2018 Corp B	COM	46138J106	225	10,610	SH		SOLE		10,610	0	0
Invesco DB Commodity Tracking	COM	46138B103	5,636	318,793	SH		SOLE		267,214	0	51,579
iShares Barclays 20 Year Trea	COM	464287432	35,670	293,051	SH		SOLE		220,633	0	72,418
iShares Barclays 3-7 Yr T-bond	COM	464288661	3,332	27,764	SH		SOLE		27,667	0	97
iShares Barclays Aggregate Bon	COM	464287226	16,999	159,887	SH		SOLE		100,790	0	59,097
iShares Barclays TIPS Bond Fun	COM	464287176	44,279	392,302	SH		SOLE		319,078	0	73,225
iShares Core MSCI Europe ETF	COM	46434V738	534	11,220	SH		SOLE		11,220	0	0
Ishares Core MSCI Pacific	COM	46434V696	341	5,920	SH		SOLE		5,920	0	0
iShares Core S&P Total US Stoc	COM	464287150	228	3,640	SH		SOLE		3,640	0	0
iShares Currency Hedge MSCI EA	COM	46434V803	9,490	320,539	SH		SOLE		268,926	0	51,613
iShares Dow Jones US Aerospace	COM	464288760	258	1,340	SH		SOLE		1,340	0	0
iShares Edge MSCI Min Vol Glob	COM	464286525	17,718	213,345	SH		SOLE		147,052	0	66,293
iShares Edge MSCI USA Momentum	COM	46432F396	9,816	89,478	SH		SOLE		75,010	0	14,468
iShares Floating Rate Note	COM	46429B655	9,840	192,944	SH		SOLE		161,858	0	31,086
iShares MSCI EAFE Index Fund E	COM	464287465	1,211	18,082	SH		SOLE		5,303	0	12,779
iShares MSCI Emerging Markets	COM	464286426	319	4,610	SH		SOLE		4,610	0	0
iShares MSCI Hong Kong Index	COM	464286871	427	17,618	SH		SOLE		17,618	0	0
iShares Russell 1000 ETF	COM	464287622	9,483	62,394	SH		SOLE		52,234	0	10,160
iShares Russell 1000 Growth In	COM	464287614	337	2,346	SH		SOLE		2,346	0	0
iShares Russell 1000 Value Ind	COM	464287598	252	2,080	SH		SOLE		2,080	0	0
iShares Russell 3000 Index Fun	COM	464287689	854	5,265	SH		SOLE		0	0	5,265
iShares S&P 500 Index ETF	COM	464287200	516	1,888	SH		SOLE		333	0	1,555
iShares Silver Trust ETF	COM	46428Q109	578	38,167	SH		SOLE		7,227	0	30,940
Schwab US Large-Cap ETF	COM	808524201	2,473	38,052	SH		SOLE		38,052	0	0
Schwab US Mid-Cap ETF	COM	808524508	9,929	180,883	SH		SOLE		152,173	0	28,710
SPDR Euro Stoxx 50	COM	78463X202	467	12,182	SH		SOLE		742	0	11,440
SPDR S&P Biotech	COM	78464A870	6,745	70,855	SH		SOLE		59,336	0	11,519
SPDR S&P International Small C	COM	78463X871	1,025	29,853	SH		SOLE		27,085	0	2,768
Technology Select Sector SPDR	COM	81369Y803	12,299	177,042	SH		SOLE		147,846	0	29,196
Vanguard Dividend Appreciation	COM	921908844	951	9,361	SH		SOLE		6,965	0	2,396
Vanguard Extended Market ETF	COM	922908652	14,324	121,599	SH		SOLE		120,906	0	693
Vanguard FTSE Developed Market	COM	921943858	45,040	1,049,876	SH		SOLE		703,761	0	346,115
Vanguard High Dividend Yield I	COM	921946406	1,043	12,554	SH		SOLE		12,554	0	0
Vanguard REIT Index ETF	COM	922908553	21,858	268,360	SH		SOLE		204,666	0	63,694
Vanguard Russell 2000 Index ET	COM	92206C664	35,099	267,486	SH		SOLE		260,369	0	7,117
Vanguard S&P 500 ETF	COM	922908363	132,420	530,719	SH		SOLE		382,262	0	148,456
Vanguard Small Cap ETF	COM	922908751	16,565	106,412	SH		SOLE		26,410	0	80,002
Vanguard Total International B	COM	92203J407	1,975	36,098	SH		SOLE		36,060	0	38
Vanguard Value ETF	COM	922908744	1,675	16,131	SH		SOLE		15,163	0	968
WisdomTree Europe Hedged Equit	COM	97717X701	1,014	16,059	SH		SOLE		10,225	0	5,834