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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hours per response: 23.8
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
ISHARES INC MSCI EURZONE ETF 464286608 15,759 327,486 SH   SOLE   327,486 0 0
ISHARES TR CORE S&P SCP ETF 464287804 1,920 17,583 SH   SOLE   17,583 0 0
ISHARES TR CORE S&P500 ETF 464287200 2,198 5,102 SH   SOLE   5,102 0 0
ISHARES TR U.S. REAL ES ETF 464287739 211 2,060 SH   SOLE   2,060 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 5,873 13,686 SH   SOLE   13,686 0 0
ADOBE SYSTEMS INCORPORATED COM 00724F101 288 500 SH   SOLE   500 0 0
AMAZON COM INC COM 023135106 388 118 SH   DFND   0 0 118
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 5,546 20,318 SH   SOLE   20,318 0 0
ILLINOIS TOOL WKS INC COM 452308109 247 1,197 SH   SOLE   1,197 0 0
JOHNSON & JOHNSON COM 478160104 478 2,961 SH   SOLE   2,961 0 0
ISHARES TR MSCI EAFE ETF 464287465 311 3,985 SH   SOLE   3,985 0 0
MICROSOFT CORP COM 594918104 691 2,450 SH   DFND   0 0 2,450
MICROSOFT CORP COM 594918104 724 2,567 SH   SOLE   2,567 0 0
ISHARES TR EXPND TEC SC ETF 464287549 66,163 163,913 SH   SOLE   163,913 0 0
PROCTER AND GAMBLE CO COM 742718109 315 2,256 SH   SOLE   2,256 0 0
JPMORGAN CHASE & CO COM 46625H100 357 2,182 SH   SOLE   2,182 0 0
ISHARES TR BARCLAYS 7 10 YR 464287440 29,731 258,037 SH   SOLE   258,037 0 0
ISHARES TR IBOXX INV CP ETF 464287242 240 1,801 SH   SOLE   1,801 0 0
APPLE INC COM 037833100 690 4,876 SH   DFND   0 0 4,876
APPLE INC COM 037833100 1,261 8,913 SH   SOLE   8,913 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 2,024 13,508 SH   SOLE   13,508 0 0
GENERAL DYNAMICS CORP COM 369550108 257 1,312 SH   SOLE   1,312 0 0
ISHARES TR SELECT DIVID ETF 464287168 1,042 9,086 SH   SOLE   9,086 0 0
ISHARES TR TIPS BD ETF 464287176 353 2,764 SH   SOLE   2,764 0 0
WD 40 CO COM 929236107 212 915 SH   SOLE   915 0 0
L3HARRIS TECHNOLOGIES INC COM 502431109 342 1,554 SH   SOLE   1,554 0 0
SENSIENT TECHNOLOGIES CORP COM 81725T100 286 3,144 SH   SOLE   3,144 0 0
SNAP ON INC COM 833034101 224 1,071 SH   SOLE   1,071 0 0
TRIMBLE INC COM 896239100 272 3,303 SH   SOLE   3,303 0 0
CHURCH & DWIGHT INC COM 171340102 261 3,164 SH   SOLE   3,164 0 0
BECTON DICKINSON & CO COM 075887109 341 1,387 SH   SOLE   1,387 0 0
ALPHABET INC CAP STK CL A 02079K305 281 105 SH   SOLE   105 0 0
MCCORMICK & CO INC COM NON VTG 579780206 241 2,974 SH   SOLE   2,974 0 0
ISHARES TR MICRO-CAP ETF 464288869 378 2,620 SH   SOLE   2,620 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102 532 932 SH   SOLE   932 0 0
INVESCO EXCHANGE TRADED FD T WATER RES ETF 46137V142 653 11,941 SH   SOLE   11,941 0 0
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613 2,026 12,795 SH   SOLE   12,795 0 0
VANGUARD WORLD FDS INF TECH ETF 92204A702 709 1,767 SH   SOLE   1,767 0 0
MIDDLEBY CORP COM 596278101 226 1,328 SH   SOLE   1,328 0 0
APTARGROUP INC COM 038336103 240 2,009 SH   SOLE   2,009 0 0
METTLER TOLEDO INTERNATIONAL COM 592688105 282 205 SH   SOLE   205 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 25,151 294,340 SH   SOLE   294,340 0 0
INVESCO EXCH TRADED FD TR II S&P GBL WATER 46138E267 574 10,287 SH   SOLE   10,287 0 0
INVESCO EXCHANGE TRADED FD T INVESCO MSCI 46137V407 682 10,774 SH   SOLE   10,774 0 0
MSCI INC COM 55354G100 206 339 SH   SOLE   339 0 0
VANGUARD WORLD FD MEGA CAP INDEX 921910873 1,235 8,101 SH   SOLE   8,101 0 0
FIRST TR EXCHANGE TRADED FD DJ GLBL DIVID 33734X200 548 21,902 SH   SOLE   21,902 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 15,401 148,283 SH   SOLE   148,283 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 4,372 112,975 SH   SOLE   112,975 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 677 6,764 SH   SOLE   6,764 0 0
VANGUARD ADMIRAL FDS INC MIDCP 400 IDX 921932885 1,759 9,877 SH   SOLE   9,877 0 0
VANGUARD ADMIRAL FDS INC SMLLCP 600 IDX 921932828 45,963 228,070 SH   SOLE   228,070 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 207,459 526,011 SH   SOLE   526,011 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 52,604 686,194 SH   SOLE   686,194 0 0
ISHARES TR MSCI EAFE MIN VL 46429B689 1,022 13,560 SH   SOLE   13,560 0 0
SCHWAB STRATEGIC TR 1000 INDEX ETF 808524722 1,217 28,567 SH   SOLE   28,567 0 0
FACEBOOK INC CL A 30303M102 255 750 SH   DFND   0 0 750
FACEBOOK INC CL A 30303M102 380 1,120 SH   SOLE   1,120 0 0
ISHARES TR CORE MSCI EAFE 46432F842 462 6,228 SH   SOLE   6,228 0 0
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763 6,339 120,335 SH   SOLE   120,335 0 0
PROSHARES TR S&P 500 DV ARIST 74348A467 31,420 354,909 SH   SOLE   354,909 0 0
ALPHABET INC CAP STK CL C 02079K107 309 116 SH   DFND   0 0 116
SSGA ACTIVE ETF TR SPDR TR TACTIC 78467V848 8,736 180,800 SH   SOLE   180,800 0 0
SQUARE INC CL A 852234103 207 861 SH   SOLE   861 0 0
FIRST TR EXCHANGE-TRADED FD FT CBOE VEST S&P 33739Q705 1,718 33,144 SH   SOLE   33,144 0 0
ISHARES TR ESG AWARE MSCI 46435U663 361 9,263 SH   SOLE   9,263 0 0
VANGUARD WORLD FD ESG US STK ETF 921910733 4,790 59,833 SH   SOLE   59,833 0 0
VANGUARD WORLD FD ESG INTL STK ETF 921910725 1,009 16,339 SH   SOLE   16,339 0 0
FIRST TR EXCHNG TRADED FD VI EXPANDED TECHNOL 33740U851 14,171 695,669 SH   SOLE   695,669 0 0