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	1,144	5,758	SH		SOLE		0	0	5,758
ABBOTT LABORATORIES	COM	002824100	103	888	SH		SOLE		0	0	888
ABBVIE INC	COM	00287Y109	134	1,193	SH		SOLE		0	0	1,193
ACCENTURE PLC IRELAND	SHS Class A	G1151C101	4	13	SH		SOLE		0	0	13
ADOBE INC	COM	00724F101	1	2	SH		SOLE		0	0	2
AIR PROD & CHEMICALS	COM	009158106	60	208	SH		SOLE		0	0	208
ALIBABA GROUP HLDG LTD	SPON ADR	01609W102	2,226	9,816	SH		SOLE		0	0	9,816
ALPHABET INC.	CL A	02079K305	4,727	1,936	SH		SOLE		0	0	1,936
ALPHABET INC.	CL C	02079K107	386	154	SH		SOLE		0	0	154
ALTRIA GROUP INC	COM	02209S103	57	1,197	SH		SOLE		0	0	1,197
AMAZON.COM INC	COM	023135106	6,378	1,854	SH		SOLE		0	0	1,854
AMERICAN EXPRESS CO	COM	025816109	6	39	SH		SOLE		0	0	39
AMERN TOWER CORP REIT	COM	03027X100	267	988	SH		SOLE		0	0	988
AMGEN INC.	COM	031162100	147	604	SH		SOLE		0	0	604
ANALOG DEVICES INC	COM	032654105	10	59	SH		SOLE		0	0	59
APPLE INC	COM	037833100	11,409	83,304	SH		SOLE		0	0	83,304
GALLAGHER ARTHUR J & CO	COM	363576109	4	30	SH		SOLE		0	0	30
BANK OF AMERICA CORP	COM	060505104	114	2,773	SH		SOLE		0	0	2,773
BECTON DICKINSON&CO	COM	075887109	1,402	5,766	SH		SOLE		0	0	5,766
BERKSHIRE HATHAWAY	CL B NEW	084670702	1,842	6,629	SH		SOLE		0	0	6,629
BLACKROCK INC	COM	09247X101	3,995	4,565	SH		SOLE		0	0	4,565
BRISTOL-MYERS SQUIBB	COM	110122108	87	1,305	SH		SOLE		0	0	1,305
CMS ENERGY CORP	COM	125896100	4	74	SH		SOLE		0	0	74
CANOPY GROWTH CORP F	COM	138035100	1	51	SH		SOLE		0	0	51
CARMAX INC	COM	143130102	1,744	13,506	SH		SOLE		0	0	13,506
CATERPILLAR INC	COM	149123101	2	10	SH		SOLE		0	0	10
CERNER CORP	COM	156782104	1,731	22,145	SH		SOLE		0	0	22,145
THE CHARLES SCHWAB CORP	COM	808513105	3,488	47,909	SH		SOLE		0	0	47,909
CHECK POINT SOFTWARE TECH LT	COM	M22465104	35	300	SH		SOLE		0	0	300
CHEVRON CORP	COM	166764100	79	757	SH		SOLE		0	0	757
CHUBB LTD F	COM	H1467J104	1,978	12,446	SH		SOLE		0	0	12,446
CIRRUS LOGIC INC	COM	172755100	26	300	SH		SOLE		0	0	300
CITIGROUP INC	COM NEW	172967424	45	631	SH		SOLE		0	0	631
CME GROUP INC	COM	12572Q105	11	51	SH		SOLE		0	0	51
COLGATE-PALMOLIVE CO	COM	194162103	95	1,171	SH		SOLE		0	0	1,171
COMCAST CORP	CL A	20030N101	2,810	49,279	SH		SOLE		0	0	49,279
CONOCOPHILLIPS	COM	20825C104	36	585	SH		SOLE		0	0	585
CORTEVA INC	COM	22052L104	12	263	SH		SOLE		0	0	263
CVS HEALTH CORP	COM	126650100	5	56	SH		SOLE		0	0	56
DEERE & CO	COM	244199105	5	15	SH		SOLE		0	0	15
DELTA AIR LINES INC DEL	COM NEW	247367702	862	19,931	SH		SOLE		0	0	19,931
DOMINION ENERGY INC	COM	25746U109	86	1,165	SH		SOLE		0	0	1,165
DOVER CORP	COM	260003108	9	57	SH		SOLE		0	0	57
DRAFTKINGS INC	COM CL A	26142R104	116	2,232	SH		SOLE		0	0	2,232
DUKE ENERGY CORP	COM NEW	26441C204	54	550	SH		SOLE		0	0	550
DUPONT DE NEMOURS INC	COM	26614N102	20	263	SH		SOLE		0	0	263
EATON CORP PLC F	SHS	G29183103	8	57	SH		SOLE		0	0	57
EDISON INTERNTNL	COM	281020107	56	967	SH		SOLE		0	0	967
EDWARDS LIFESCIENCES	COM	28176E108	62	600	SH		SOLE		0	0	600
EMERSON ELECTRIC CO	COM	291011104	10	100	SH		SOLE		0	0	100
ENSTAR GROUP LTD F	SHS	G3075P101	102	426	SH		SOLE		0	0	426
ENTERPRISE PRODS PART LP	COM	293792107	2	98	SH		SOLE		0	0	98
ENVISTA HOLDINGS CORP	COM	29415F104	5	111	SH		SOLE		0	0	111
EOG RESOURCES INC	COM	26875P101	6	69	SH		SOLE		0	0	69
FACEBOOK INC	CL A	30303M102	3,334	9,589	SH		SOLE		0	0	9,589
FEDEX CORP	COM	31428X106	349	1,171	SH		SOLE		0	0	1,171
FIDELITY NATL INFORMATION SV	COM	31620M106	6	41	SH		SOLE		0	0	41
GENERAL DYNAMICS CO	COM	369550108	1,506	8,001	SH		SOLE		0	0	8,001
GENERAL ELECTRIC CO	COM	369604103	721	53,583	SH		SOLE		0	0	53,583
GENERAL MILLS INC	COM	370334104	83	1,370	SH		SOLE		0	0	1,370
GILEAD SCIENCES INC	COM	375558103	21	300	SH		SOLE		0	0	300
GLAXOSMITHKLINE PLC	SPON ADR	37733W105	24	600	SH		SOLE		0	0	600
HALLIBURTON CO HLDG	COM	406216101	3	110	SH		SOLE		0	0	110
HLTHCARE REALTY TR	COM	421946104	15	500	SH		SOLE		0	0	500
HOME DEPOT INC	COM	437076102	867	2,718	SH		SOLE		0	0	2,718
HONEYWELL INTL INC	COM	438516106	193	882	SH		SOLE		0	0	882
HORMEL FOODS CORP	COM	440452100	35	728	SH		SOLE		0	0	728
IBM CORP	COM	459200101	3	22	SH		SOLE		0	0	22
INVESCO QQQ TRUST	UNIT SER 1	46090E103	396	1,118	SH		SOLE		0	0	1,118
IQVIA HOLDINGS INC	COM	46266C105	3,817	15,752	SH		SOLE		0	0	15,752
ISHARES 1-3 YEAR TREASRYBOND ETF	1 3 YR TREAS BD	464287457	46	533	SH		SOLE		0	0	533
ISHARES 3-7 YEAR TRERY BOND ETF	3 7 YR TREAS BD	464288661	162	1,243	SH		SOLE		0	0	1,243
ISHARES BIOTECHNOLOGY ETF	NASDAQ BIOTECH	464287556	105	642	SH		SOLE		0	0	642
ISHARES CORE MSCI	CORE MSCI EMKT	46434G103	125	1,866	SH		SOLE		0	0	1,866
ISHARES CORE S&P 500 ETF IV	CORE S&P 500 ETF	464287200	152	354	SH		SOLE		0	0	354
ISHARES CORE S&P MID CAPETF IV	CORE S&P MCP ETF	464287507	306	1,138	SH		SOLE		0	0	1,138
ISHARES CORE S&P SMALL CAP ETF IV	CORE S&P SCP ETF	464287804	190	1,685	SH		SOLE		0	0	1,685
ISHARES CORE US AGGRGT BOND ETF IV	CORE US AGGBD ETF	464287226	9	79	SH		SOLE		0	0	79
ISHARES MSCI EAFE ETF IV	MSCI EAFE ETF	464287465	5	64	SH		SOLE		0	0	64
ISHARES RUSSELL 1000 ETF IV	RUS 1000 ETF	464287622	285	1,179	SH		SOLE		0	0	1,179
ISHARES S&P 500 GROWTH ETF IV	S&P 500 GRWT ETF	464287309	739	10,164	SH		SOLE		0	0	10,164
ISHARES S&P 500 VALUE ETF IV	S&P 500 VAL ETF	464287408	617	4,179	SH		SOLE		0	0	4,179
ISHARES S&P SMALL CAP 600 ETF IV	S&P 600 CAP ETF	464287879	136	1,294	SH		SOLE		0	0	1,294
ISHARES S&P SMLL CAP 600GRTH ETF	S&P 600GRTH ETF	464287887	166	1,252	SH		SOLE		0	0	1,252
ISHARES SELECT DIVIDEND ETF	SELECT DIVIDEND ETF	464287168	117	1,000	SH		SOLE		0	0	1,000
JOHNSON & JOHNSON	COM	478160104	2,351	14,289	SH		SOLE		0	0	14,289
JPMORGAN BETABUILDERS CANADA ETF	BETABULDR CDA	46641Q696	116	1,794	SH		SOLE		0	0	1,794
JPMORGAN BETABUILDERS DEVELOPED ASIA EX-JAPAN ETF	BETABULDR DEVE	46641Q688	102	1,751	SH		SOLE		0	0	1,751
JPMORGAN BETABUILDERS EUROPE ETF	BETBULD EUROPE	46641Q720	333	5,694	SH		SOLE		0	0	5,694
JPMORGAN BETABUILDERS JAPAN ETF	BETBULD JAPAN	46641Q712	304	5,375	SH		SOLE		0	0	5,375
JPMORGAN CHASE & CO	COM	46625h100	3,490	22,439	SH		SOLE		0	0	22,439
LAB CO OF AMER HLDG	COM NEW	50540R409	47	170	SH		SOLE		0	0	170
LILLY ELI & CO	COM	532457108	556	2,421	SH		SOLE		0	0	2,421
LOWES COS INC	COM	548661107	220	1,132	SH		SOLE		0	0	1,132
LPL FINL HLDGS	COM	50212V100	3	23	SH		SOLE		0	0	23
LYFT INC	CL A	55087P104	676	11,170	SH		SOLE		0	0	11,170
MAGELLAN MIDSTREAM PA LP	COM UNIT RP LP	559080106	24	500	SH		SOLE		0	0	500
MASTERCARD INC	CL A	57636Q104	4,657	12,756	SH		SOLE		0	0	12,756
MCDONALDS CORP	COM	580135101	1,935	8,376	SH		SOLE		0	0	8,376
MEDTRONIC PLC	SHS	G5960L103	9	75	SH		SOLE		0	0	75
MERCK & CO. INC.	COM	58933Y105	195	2,503	SH		SOLE		0	0	2,503
MICROSOFT CORP	COM	594918104	7,069	26,096	SH		SOLE		0	0	26,096
MOHAWK INDUSTRIES	COM	608190104	52	269	SH		SOLE		0	0	269
MONDELEZ INTL	CL A	609207105	108	1,725	SH		SOLE		0	0	1,725
NEXTERA ENERGY INC	COM	65339F101	6	84	SH		SOLE		0	0	84
NIKE INC	CL B NEW	654106103	101	655	SH		SOLE		0	0	655
NORFOLK SOUTHERN CO	COM	655844108	5	20	SH		SOLE		0	0	20
NORTHERN TRUST CORP	COM	665859104	4	35	SH		SOLE		0	0	35
NORTHROP GRUMMAN CO	COM	666807102	5	13	SH		SOLE		0	0	13
NOVARTIS AG	SPON ADR	66987V109	220	2,413	SH		SOLE		0	0	2,413
NUVEEN MUNICIPAL VALUE C	COM	670928100	46	3,955	SH		SOLE		0	0	3,955
PALO ALTO NETWORKS	COM	697435105	202	544	SH		SOLE		0	0	544
PARKER-HANNIFIN CORP	COM	701094104	6	19	SH		SOLE		0	0	19
PAYPAL HOLDINGS INCORPOR	COM	70450Y103	5,813	19,943	SH		SOLE		0	0	19,943
PELOTON INTERACTIVE INC	CL A	70614W100	117	946	SH		SOLE		0	0	946
PENN NTNL GAMING	COM	707569109	93	1,210	SH		SOLE		0	0	1,210
PEPSICO INC	COM	713448108	9	59	SH		SOLE		0	0	59
PERFORMANCE FOOD GROUP CO	COM	71377A103	24	500	SH		SOLE		0	0	500
PFIZER INC	COM	717071104	2,503	63,921	SH		SOLE		0	0	63,921
PHILIP MORRIS INTL	COM	718172109	1,886	19,029	SH		SOLE		0	0	19,029
PHILLIPS 66	COM	718546104	52	611	SH		SOLE		0	0	611
PIMCO ENHNCD SHRT MATRTYACTV ETF IV	ETF	72201R833	168	1,649	SH		SOLE		0	0	1,649
PNC FINL SERVICES	COM	693475105	103	538	SH		SOLE		0	0	538
PPG INDUSTRIES INC	COM	693506107	7	41	SH		SOLE		0	0	41
PROCTER & GAMBLE	COM	742718109	1,086	8,046	SH		SOLE		0	0	8,046
PROLOGIS INC. REIT	COM	74340W103	58	488	SH		SOLE		0	0	488
RAYTHEON TECHNOLOGIES CO	COM	75513E101	8	92	SH		SOLE		0	0	92
REALTY INCM CORP REIT	COM	756109104	91	1,357	SH		SOLE		0	0	1,357
REPUBLIC SERVICES	COM	760759100	3	31	SH		SOLE		0	0	31
SALESFORCE COM	COM	79466L302	2,642	10,814	SH		SOLE		0	0	10,814
SCHWAB SHORT TERM US TREASURY ETF	SHT TM US TRES	808524862	266	5,199	SH		SOLE		0	0	5,199
SCHWAB US LARGE CAP GROWTH ETF	US LCAP GR ETF	808524300	21	146	SH		SOLE		0	0	146
SCHWAB US LARGE CAP ETF	US LCAP ETF	808524201	29	277	SH		SOLE		0	0	277
SERVICE PPTYS TR REIT	COM SH BEN INT	81761L102	10	800	SH		SOLE		0	0	800
SPDR S&P 500 ETF IV	SPDR S&P 500 ETF	78468R796	2,183	5,100	SH		SOLE		0	0	5,100
SPDR S&P DIVIDEND ETF	S&P DIVID ETF	78464A763	150	1,227	SH		SOLE		0	0	1,227
SPDR S&P MIDCAP 400 ETF	UTSER1 S&PDCRP	78467Y107	416	847	SH		SOLE		0	0	847
SQUARE INC	CL A	852234103	98	400	SH		SOLE		0	0	400
STARBUCKS CORP	COM	855244109	2,470	22,088	SH		SOLE		0	0	22,088
SYNOVUS FINL CO	COM	871607107	251	5,717	SH		SOLE		0	0	5,717
SYSCO CORP	COM	871829107	5	60	SH		SOLE		0	0	60
TAIWAN SEMICONDUCTR	SPONSORED ADS	874039100	1,532	12,748	SH		SOLE		0	0	12,748
T ROWE PRICE GROUP	COM	74144T108	9	44	SH		SOLE		0	0	44
TEXAS INSTRUMENTS	COM	882508104	9	48	SH		SOLE		0	0	48
THE COCA-COLA CO	COM	191216100	115	2,122	SH		SOLE		0	0	2,122
TJX COMPANIES INC	COM	872540109	5	70	SH		SOLE		0	0	70
TORONTO-DOMINION BK F	COM NEW	891160509	47	667	SH		SOLE		0	0	667
TRUIST FINL CORP	COM	054937107	209	3,757	SH		SOLE		0	0	3,757
U S BANCORP	COM NEW	902973304	8	148	SH		SOLE		0	0	148
UBER TECHNOLOGIES INC	COM	90353T100	1,168	23,303	SH		SOLE		0	0	23,303
ULTA BEAUTY INC.	COM	903845303	35	100	SH		SOLE		0	0	100
UNILEVER PLC	SPOND ADR NEW	904767704	1,355	23,156	SH		SOLE		0	0	23,156
UNITED PARCEL SRVC	CL B	911312106	5	22	SH		SOLE		0	0	22
UNITEDHEALTH GRP INC	COM	91324P102	2,498	6,239	SH		SOLE		0	0	6,239
VANGUARD ENERGY ETF IV	ENERGY ETF	92204A306	301	3,965	SH		SOLE		0	0	3,965
VANGUARD MORTGAGE BACKEDSEC ETF	MORTG-BACK SEC	92206C771	36	674	SH		SOLE		0	0	674
VANGUARD FTSE ALL WORLD EX US ETF	ALLWRLD EX US ETF	922042775	397	6,265	SH		SOLE		0	0	6,265
VANGUARD FTSE DEVELOPED MATS ETF	FTSE DEVMKT ETF	921943858	9	176	SH		SOLE		0	0	176
VANGUARD S&P 500 ETF	S&P 500 ETF SHS	922908363	28,813	73,220	SH		SOLE		0	0	73,220
VANGUARD SHORT TERM TREASURY ETF	SHORT TERM TREAS	92206C102	59	961	SH		SOLE		0	0	961
VANGUARD SHORT-TERM BONDETF	SHORT TRM BOND ETF	921937827	101	1,231	SH		SOLE		0	0	1,231
VANGUARD SMALL CAP ETF IV	SMALL CP ETF	922908751	843	3,742	SH		SOLE		0	0	3,742
VANGUARD TOTAL INTERNATIONAL BND ETF	INTL BD IDX ETF	92203J407	220	3,849	SH		SOLE		0	0	3,849
VANGUARD TOTAL INTERNATIONAL STK ETF	TL INTL tl STK ETF	921909768	692	10,532	SH		SOLE		0	0	10,532
VANGUARD TOTAL BOND MARKET ETF	TOTAL BND MKT	921937835	326	3,793	SH		SOLE		0	0	3,793
VANGUARD TOTAL STOCK MARKET ETF	TOTAL STK MKT ETF	922908769	177	796	SH		SOLE		0	0	796
VENTAS INC REIT	COM	92276F100	22	383	SH		SOLE		0	0	383
VERIZON COMMUNICATN	COM	92343V104	5	97	SH		SOLE		0	0	97
VISA INC	CL A	92826C839	4,207	17,994	SH		SOLE		0	0	17,994
WALMART INC	COM	931142103	5	38	SH		SOLE		0	0	38
WALT DISNEY CO	COM	254687106	2,410	13,712	SH		SOLE		0	0	13,712
WELLS FARGO & CO	COM NEW	949746101	18	400	SH		SOLE		0	0	400
WORKDAY INC	CL A	98138H101	50	209	SH		SOLE		0	0	209
XCEL ENERGY INC MINN	COM	98389B100	5	77	SH		SOLE		0	0	77
XERIS PHARMACEUTICALS IN	COM	98422L107	3	803	SH		SOLE		0	0	803
ZIMMER BIOMET HLDGS	COM	98956P102	48	300	SH		SOLE		0	0	300