Investment Research & Advisory 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

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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
3M CO	COM	88579Y101	949	5,427	SH		SOLE		0	0	5,427
ABBOTT LABORATORIES	COM	002824100	97	888	SH		SOLE		0	0	888
ABBVIE INC	COM	00287Y109	128	1,193	SH		SOLE		0	0	1,193
ADOBE INC	COM	00724F101	1	2	SH		SOLE		0	0	2
AIR PROD & CHEMICALS	COM	009158106	51	185	SH		SOLE		0	0	185
ALIBABA GROUP HOLDING LTD	SPON ADR	01609W102	2,337	10,042	SH		SOLE		0	0	10,042
ALPHABET INC.	CL A	02079K305	3,465	1,977	SH		SOLE		0	0	1,977
ALPHABET INC.	CL C	02079K107	270	154	SH		SOLE		0	0	154
ALTRIA GROUP INC	COM	02209S103	49	1,197	SH		SOLE		0	0	1,197
AMAZON.COM INC	COM	023135106	6,113	1,877	SH		SOLE		0	0	1,877
AMERN TOWER CORP	COM	03027X100	222	988	SH		SOLE		0	0	988
AMGEN INC.	COM	031162100	139	604	SH		SOLE		0	0	604
APPLE INC	COM	037833100	12,005	90,470	SH		SOLE		0	0	90,470
BANK OF AMERICA CORP	COM	060505104	75	2,480	SH		SOLE		0	0	2,480
BEACON ROOFING SUPPL	COM	073685109	279	6,950	SH		SOLE		0	0	6,950
BECTON DICKINSON&CO	COM	075887109	44	174	SH		SOLE		0	0	174
BERKSHIRE HATHAWAY INC DEL	CL B NEW	084670702	1,894	8,169	SH		SOLE		0	0	8,169
BLACKROCK INC	COM	09247X101	3,379	4,683	SH		SOLE		0	0	4,683
BRISTOL-MYERS SQUIBB	COM	110122108	73	1,170	SH		SOLE		0	0	1,170
CANOPY GROWTH CORP	COM	138035100	1	51	SH		SOLE		0	0	51
CARMAX INC	COM	143130102	1,286	13,614	SH		SOLE		0	0	13,614
CATERPILLAR INC EDEL	COM	149123101	2	10	SH		SOLE		0	0	10
CERNER CORP	COM	156782104	1,710	21,787	SH		SOLE		0	0	21,787
THE CHARLES SCHWAB CORP	COM	808513105	2,653	50,022	SH		SOLE		0	0	50,022
CHECK POINT SOFTWARE TECH LT	ORD	M22465104	40	300	SH		SOLE		0	0	300
CHEVRON CORP	COM	166764100	59	703	SH		SOLE		0	0	703
CHUBB LTD F	COM	H1467J104	1,939	12,598	SH		SOLE		0	0	12,598
CIRRUS LOGIC INC	COM	172755100	25	300	SH		SOLE		0	0	300
CITIGROUP INC	COM NEW	172967424	34	550	SH		SOLE		0	0	550
COLGATE-PALMOLIVE CO	COM	194162103	100	1,171	SH		SOLE		0	0	1,171
COMCAST CORP	CL A	20030N101	2,608	49,767	SH		SOLE		0	0	49,767
CONOCOPHILLIPS	COM	20825C104	17	437	SH		SOLE		0	0	437
CORTEVA INC	COM	22052L104	10	263	SH		SOLE		0	0	263
DELTA AIR LINES INC DEL	COM NEW	247367702	736	18,313	SH		SOLE		0	0	18,313
DOMINION ENERGY INC	COM	25746U109	88	1,165	SH		SOLE		0	0	1,165
DUKE ENERGY CORP	COM NEW	26441C204	50	550	SH		SOLE		0	0	550
DUPONT DE NEMOURS INC	COM	26614N102	19	263	SH		SOLE		0	0	263
EDISON INTERNTNL	COM	281020107	61	967	SH		SOLE		0	0	967
EDWARDS LIFESCIENCES	COM	28176E108	55	600	SH		SOLE		0	0	600
EMERSON ELECTRIC CO	COM	291011104	8	100	SH		SOLE		0	0	100
ENSTAR GROUP LTD	SHS	G3075P101	92	450	SH		SOLE		0	0	450
ENTERPRISE PRODS PART LP	COM	293792107	2	98	SH		SOLE		0	0	98
ENVISTA HOLDINGS CORP	COM	29415F104	4	111	SH		SOLE		0	0	111
FACEBOOK INC	CL A	30303M102	2,546	9,322	SH		SOLE		0	0	9,322
FEDEX CORP	COM	31428X106	304	1,171	SH		SOLE		0	0	1,171
GENERAL DYNAMICS CO	COM	369550108	1,479	9,940	SH		SOLE		0	0	9,940
GENERAL ELECTRIC CO	COM	369604103	560	51,859	SH		SOLE		0	0	51,859
GENERAL MILLS INC	COM	370334104	81	1,370	SH		SOLE		0	0	1,370
GILEAD SCIENCES INC	COM	375558103	17	300	SH		SOLE		0	0	300
GLAXOSMITHKLINE PLC	SPON ADR	37733W105	22	600	SH		SOLE		0	0	600
GMS INC	COM	36251C103	1,258	41,281	SH		SOLE		0	0	41,281
HALLIBURTON CO HLDG	COM	406216101	2	110	SH		SOLE		0	0	110
HLTHCARE REALTY TR	COM	421946104	15	500	SH		SOLE		0	0	500
HOME DEPOT INC	COM	437076102	798	3,005	SH		SOLE		0	0	3,005
HONEYWELL INTL INC	COM	438516106	188	882	SH		SOLE		0	0	882
HORMEL FOODS CORP	COM	440452100	34	728	SH		SOLE		0	0	728
INTEL CORP	COM	458140100	1,598	32,073	SH		SOLE		0	0	32,073
INVESCO QQQ TRUST	UNIT SER 1	46090E103	351	1,118	SH		SOLE		0	0	1,118
IQVIA HOLDINGS INC	COM	46266C105	2,822	15,753	SH		SOLE		0	0	15,753
ISHARES CORE S&P 500 ETF	CORE S&P 500 ETF	464287200	133	354	SH		SOLE		0	0	354
ISHARES CORE S&P MID-CAP ETF	CORE S&P MCP ETF	464287507	241	1,049	SH		SOLE		0	0	1,049
ISHARES CORE S&P SMALL-CAP ETF	CORE S&P SCP ETF	464287804	151	1,643	SH		SOLE		0	0	1,643
ISHARES CORE US AGGREGATE BOND ETF	CORE US AGGBD ETF	464287226	9	79	SH		SOLE		0	0	79
ISHARES INC CORE MSCI EMKT	CORE MSCI EMKT	46434G103	4	70	SH		SOLE		0	0	70
ISHARES TR CORE MSCI EAFE	CORE MSCI EAFE	46432F842	3	50	SH		SOLE		0	0	50
ISHARES MSCI EAFE ETF	MSCI EAFE ETF	464287465	5	64	SH		SOLE		0	0	64
ISHARES MSCI EMG MKT ETF	MSCI EMG MKT ETF	464287234	3	51	SH		SOLE		0	0	51
ISHARES TR MSCI USA QLT FCT	MSCI USA QLT FCT	46432F339	3	23	SH		SOLE		0	0	23
ISHARES MSCI MIN VOLFCTR ETF	MSCI MIN VOL ETF	46429B697	86	1,274	SH		SOLE		0	0	1,274
ISHARES NASDAQ BIOTECHNOLOGY ETF	NASDAQ BIOTECH	464287556	97	642	SH		SOLE		0	0	642
ISHARES RUSSELL 1000 ETF	RUS 1000 ETF	464287622	346	1,635	SH		SOLE		0	0	1,635
ISHARES RUS MD CP GR ETF	RUS MD CP GR ETF	464287481	15	146	SH		SOLE		0	0	146
ISHARES TR ISHS 5-10YR INVT	ISHS 5-10YR INVT	464288638	6	90	SH		SOLE		0	0	90
ISHARES S&P SMALL CAP 600 ETF	S&P 600 CAP ETF	464287879	105	1,294	SH		SOLE		0	0	1,294
ISHARES S&P SMLL CAP 600GRTH ETF	S&P 600GRTH ETF	464287887	148	1,300	SH		SOLE		0	0	1,300
ISHARES SELECT DIVIDEND ETF	SELECT DIVIDEND ETF	464287168	96	1,000	SH		SOLE		0	0	1,000
JOHNSON & JOHNSON	COM	478160104	2,257	14,346	SH		SOLE		0	0	14,346
JPMORGAN CHASE & CO	COM	46625h100	2,892	22,757	SH		SOLE		0	0	22,757
KLX ENERGY SERVICES HOLDINGS INC	COM NEW	48253L205	13	2,028	SH		SOLE		0	0	2,028
LABORATORY CORP AMER HLDGS	COM NEW	50540R409	35	170	SH		SOLE		0	0	170
LILLY ELI & CO	COM	532457108	404	2,395	SH		SOLE		0	0	2,395
LOWES COMPANIES INC	COM	548661107	182	1,132	SH		SOLE		0	0	1,132
LPL FINL HLDGS	COM	50212V100	2	23	SH		SOLE		0	0	23
LYFT INC	CL A	55087P104	467	9,503	SH		SOLE		0	0	9,503
MAGELLAN MIDSTREAM PA LP	COM UNIT RP LP	559080106	21	500	SH		SOLE		0	0	500
MASTERCARD INC	CL A	57636Q104	4,900	13,727	SH		SOLE		0	0	13,727
MC DONALDS CORP	COM	580135101	1,785	8,318	SH		SOLE		0	0	8,318
MCKESSON CORP	COM	58155Q103	165	948	SH		SOLE		0	0	948
MERCK & CO. INC.	COM	58933Y105	201	2,462	SH		SOLE		0	0	2,462
MICROSOFT CORP	COM	594918104	5,915	26,593	SH		SOLE		0	0	26,593
MOHAWK INDUSTRIES	COM	608190104	38	269	SH		SOLE		0	0	269
MONDELEZ INTL	CL A	609207105	94	1,607	SH		SOLE		0	0	1,607
NIKE INC	CL B	654106103	93	655	SH		SOLE		0	0	655
NOVARTIS AG	SPON ADR	66987V109	1,613	17,079	SH		SOLE		0	0	17,079
NUVEEN MUNICIPAL VALUE C	COM	670928100	44	3,955	SH		SOLE		0	0	3,955
PALO ALTO NETWORKS	COM	697435105	193	544	SH		SOLE		0	0	544
PAYPAL HOLDINGS INCORPOR	COM	70450Y103	5,027	21,465	SH		SOLE		0	0	21,465
PELOTON INTERACTIVE INC	CL A	70614W100	138	909	SH		SOLE		0	0	909
PENN NATL GAMING INC	COM	707569109	2	19	SH		SOLE		0	0	19
PEPSICO INC	COM	713448108	1	10	SH		SOLE		0	0	10
PERFORMANCE FOOD GROUP CO	COM	71377A103	24	500	SH		SOLE		0	0	500
PFIZER INC	COM	717071104	2,146	58,304	SH		SOLE		0	0	58,304
PHILIP MORRIS INTL	COM	718172109	1,552	18,746	SH		SOLE		0	0	18,746
PHILLIPS 66	COM	718546104	43	611	SH		SOLE		0	0	611
PIMCO ENHANCED SHRT MATURTY ACTV ETF	ETF	72201R833	168	1,649	SH		SOLE		0	0	1,649
PNC FINL SERVICES	COM	693475105	73	488	SH		SOLE		0	0	488
PROCTER & GAMBLE	COM	742718109	1,211	8,701	SH		SOLE		0	0	8,701
PROLOGIS INC.	COM	74340W103	49	488	SH		SOLE		0	0	488
REALTY INCM CORP	COM	756109104	84	1,357	SH		SOLE		0	0	1,357
SALESFORCE COM	COM	79466L302	2,463	11,070	SH		SOLE		0	0	11,070
SCHWAB US LARGE CAP GROWTH ETF	US LCAP GR ETF	808524300	19	146	SH		SOLE		0	0	146
SCHWAB US LARGE CAP ETF	US LCAP ETF	808524201	25	277	SH		SOLE		0	0	277
SCHWAB US TIPS ETF	US TIPS ETF	808524870	1	10	SH		SOLE		0	0	10
SERVICE PPTYS TR REIT	COM SH BEN INT	81761L102	9	800	SH		SOLE		0	0	800
SPDR S&P 500 ETF	SPDR S&P 500 ETF	78468R796	1,671	4,470	SH		SOLE		0	0	4,470
SPDR S&P DIVIDEND ETF	S&P DIVID ETF	78464A763	130	1,227	SH		SOLE		0	0	1,227
SPDR S&P MIDCAP 400 ETF	UTSER1 S&PDCRP	78467Y107	356	847	SH		SOLE		0	0	847
SQUARE INC	CL A	852234103	87	400	SH		SOLE		0	0	400
STARBUCKS CORP	COM	855244109	2,354	22,004	SH		SOLE		0	0	22,004
SYNOVUS FINL CO	COM	871607107	185	5,717	SH		SOLE		0	0	5,717
COCA-COLA CO	COM	191216100	303	5,527	SH		SOLE		0	0	5,527
TORONTO-DOMINION BK F	COM NEW	891160509	38	667	SH		SOLE		0	0	667
TRUIST FINL CORP	COM	054937107	201	4,195	SH		SOLE		0	0	4,195
UBER TECHNOLOGIES INC	COM	90353T100	1,256	24,624	SH		SOLE		0	0	24,624
ULTA BEAUTY INC.	COM	903845303	29	100	SH		SOLE		0	0	100
UNILEVER PLC	SPON ADR NEW	904767704	1,389	23,016	SH		SOLE		0	0	23,016
UNITEDHEALTH GRP INC	COM	91324P102	2,170	6,189	SH		SOLE		0	0	6,189
VANGUARD ENERGY ETF	ENERGY ETF	92204A306	206	3,965	SH		SOLE		0	0	3,965
VANGUARD FTSE ALL WORLD EX US ETF	ALLWRLD EX US ETF	922042775	366	6,265	SH		SOLE		0	0	6,265
VANGUARD TAX-MANAGED INTL FD	FTSE DEVMKT ETF	921943858	8	173	SH		SOLE		0	0	173
VANGUARD INDEX FDS GROWTH ETF	GROWTH ETF	922908736	75	295	SH		SOLE		0	0	295
VANGUARD INDEX FDS LARGE CAP ETF	LARGE CAP ETF	922908637	53	300	SH		SOLE		0	0	300
VANGUARD S&P 500 ETF	S&P 500 ETF SHS	922908363	23,978	69,765	SH		SOLE		0	0	69,765
VANGUARD S&P 500 GROWTH ETF	500 GRTH IDX ETF	921932505	15	63	SH		SOLE		0	0	63
VANGUARD SHORT-TERM BONDETF	SHORT TRM BOND ETF	921937827	82	991	SH		SOLE		0	0	991
VANGUARD SMALL CAP ETF	SMALL CP ETF	922908751	721	3,704	SH		SOLE		0	0	3,704
VANGUARD TOTAL INTERNATLBND ETF	INTL BD IDX ETF	92203J407	72	1,235	SH		SOLE		0	0	1,235
VANGUARD TOTAL INTERNTL STOCK ETF	TL INTL tl STK ETF	921909768	630	10,471	SH		SOLE		0	0	10,471
VANGUARD TOTAL BOND MARKET ETF	TOTAL BND MKT	921937835	329	3,727	SH		SOLE		0	0	3,727
VANGUARD TOTAL STOCK MARKET ETF	TOTAL STK MKT ETF	922908769	155	796	SH		SOLE		0	0	796
VANGUARD INDEX FDS VALUE ETF	VALUE ETF	922908744	22	185	SH		SOLE		0	0	185
VENTAS INC REIT	COM	92276F100	19	383	SH		SOLE		0	0	383
VISA INC	CL A	92826C839	4,112	18,800	SH		SOLE		0	0	18,800
DISNEY WALT CO	COM	254687106	2,572	14,195	SH		SOLE		0	0	14,195
WELLS FARGO & CO	COM NEW	949746101	12	400	SH		SOLE		0	0	400
WORKDAY INC	CL A	98138H101	50	209	SH		SOLE		0	0	209
XERIS PHARMACEUTICALS INC	COM	98422L107	4	803	SH		SOLE		0	0	803
ZIMMER BIOMET HLDGS	COM	98956P102	46	300	SH		SOLE		0	0	300