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
AMAZON COM INC COM COM 023135106 518 345 SH   SOLE NONE 345 0 0
INVESCO QQQ TRUST UNIT SER 1 46090E103 269 1,741 SH   SOLE NONE 1,741 0 0
ISHARES COMEX GOLD TRUST ISHARES 464285105 956 77,754 SH   SOLE NONE 77,754 0 0
JOHNSON & JOHNSON COM COM 478160104 3,257 25,235 SH   SOLE NONE 25,235 0 0
ISHARES FTSE EPRA/NAREIT DEVELOPED EUROPE INDEX FUND EUR DEV RE ETF 464288471 678 19,675 SH   SOLE NONE 19,675 0 0
INVESCO S&P MIDCAP 400 EQUAL WEIGHT ETF S&P MDCP400 EQ 46137V225 12,469 224,392 SH   SOLE NONE 224,392 0 0
VANGUARD TOTAL STOCK MARKET INDEX FUND TOTAL STK MKT 922908769 36,437 285,488 SH   SOLE NONE 285,488 0 0
COSTCO WHSL CORP NEW COM COM 22160K105 428 2,100 SH   SOLE NONE 2,100 0 0
HCA HEALTHCARE INC COM COM 40412C101 268 2,150 SH   SOLE NONE 2,150 0 0
PROCTER AND GAMBLE CO COM COM 742718109 327 3,553 SH   SOLE NONE 3,553 0 0
COCA COLA CO COM COM 191216100 206 4,341 SH   SOLE NONE 4,341 0 0
GENERAL MLS INC COM COM 370334104 273 7,000 SH   SOLE NONE 7,000 0 0
ISHARES MSCI ACWI EX US INDEX FUND MSCI ACWI EX US 464288240 19,027 453,460 SH   SOLE NONE 453,460 0 0
MERCK & CO INC COM COM 58933Y105 1,162 15,202 SH   SOLE NONE 15,202 0 0
SPDR S&P 500 ETF TR UNIT 78462F103 662 2,649 SH   SOLE NONE 2,649 0 0
COGNIZANT TECHNOLOGY SOLUTIONS CL A CL A 192446102 263 4,140 SH   SOLE NONE 4,140 0 0
VERIZON COMMUNICATIONS INC COM COM 92343V104 315 5,601 SH   SOLE NONE 5,601 0 0
FEDEX CORP COM COM 31428X106 229 1,420 SH   SOLE NONE 1,420 0 0
PEPSICO INC COM COM 713448108 1,335 12,088 SH   SOLE NONE 12,088 0 0
UNILEVER N V N Y SHS NEW N Y SHS NEW 904784709 415 7,715 SH   SOLE NONE 7,715 0 0
KIMBERLY CLARK CORP COM COM 494368103 389 3,416 SH   SOLE NONE 3,416 0 0
BP PLC SPONSORED ADR SPONSORED ADR 055622104 346 9,122 SH   SOLE NONE 9,122 0 0
HOME DEPOT INC COM COM 437076102 320 1,865 SH   SOLE NONE 1,865 0 0
SPDR GOLD SHARES GOLD SHS 78463V107 10,095 83,260 SH   SOLE NONE 83,260 0 0
BECTON DICKINSON & CO COM COM 075887109 3,168 14,058 SH   SOLE NONE 14,058 0 0
ISHARES RUSSELL 1000 GROWTH ETF RUS 1000 GRW ETF 464287614 315 2,410 SH   SOLE NONE 2,410 0 0
UGI CORP NEW COM COM 902681105 262 4,920 SH   SOLE NONE 4,920 0 0
PIMCO ENHANCED SHORT MATURITY ACTIVE EXCHANGE-TRADED FUND ENHAN SHRT MA AC 72201R833 5,240 51,907 SH   SOLE NONE 51,907 0 0
ISHARES S&P SMALL-CAP FUND CORE S&P SCP ETF 464287804 472 6,816 SH   SOLE NONE 6,816 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW CL B NEW 084670702 219 1,075 SH   SOLE NONE 1,075 0 0
INTUIT COM COM 461202103 396 2,010 SH   SOLE NONE 2,010 0 0
CSX CORP COM COM 126408103 252 4,050 SH   SOLE NONE 4,050 0 0
MICROSOFT CORP COM COM 594918104 331 3,256 SH   SOLE NONE 3,256 0 0
BERKSHIRE HATHAWAY INC DEL CL A CL A 084670108 612 2 SH   SOLE NONE 2 0 0
BOEING CO COM COM 097023105 273 845 SH   SOLE NONE 845 0 0
NEXTERA ENERGY INC COM COM 65339F101 770 4,427 SH   SOLE NONE 4,427 0 0
NIKE INC CL B CL B 654106103 349 4,710 SH   SOLE NONE 4,710 0 0
NORFOLK SOUTHERN CORP COM COM 655844108 322 2,150 SH   SOLE NONE 2,150 0 0
WALGREENS BOOTS ALLIANCE INC COM COM 931427108 266 3,900 SH   SOLE NONE 3,900 0 0
VANGUARD S&P 500 ETF S&P 500 ETF SHS 922908363 23,932 104,139 SH   SOLE NONE 104,139 0 0
INVESCO S&P 500 EQUAL WEIGHT ETF S&P500 EQL WGT 46137V357 28,977 317,033 SH   SOLE NONE 317,033 0 0
VANGUARD TOTAL INTERNATIONAL STOCK ETF VG TL INTL STK F 921909768 2,176 46,089 SH   SOLE NONE 46,089 0 0
IPATH BLOOMBERG COMMODITY INDEX TOTAL RETURN ETN DJUBS CMDT ETN36 06738C778 3,044 143,450 SH   SOLE NONE 143,450 0 0
EATON VANCE TAX MNGD GBL DV EQ COM COM 27829F108 261 34,940 SH   SOLE NONE 34,940 0 0
VISA INC COM CL A COM CL A 92826C839 477 3,616 SH   SOLE NONE 3,616 0 0
FLEXSHARES IBOXX 3-YEAR TARGET DURATION TIPS INDEX FUND IBOXX 3R TARGT 33939L506 3,088 129,635 SH   SOLE NONE 129,635 0 0
FACEBOOK INC CL A CL A 30303M102 259 1,975 SH   SOLE NONE 1,975 0 0
GLOBAL X MLP ETF GLBL X MLP ETF 37950E473 6,818 888,928 SH   SOLE NONE 888,928 0 0
INVESCO BULLETSHARES 2019 CORPORATE BOND ETF BULSHS 2019 CB 46138J304 264 12,540 SH   SOLE NONE 12,540 0 0
MOODYS CORP COM COM 615369105 485 3,460 SH   SOLE NONE 3,460 0 0
ISHARES CORE MSCI TOTAL INTERNATIONAL STOCK ETF CORE MSCI TOTAL 46432F834 9,818 186,896 SH   SOLE NONE 186,896 0 0
ACCENTURE PLC IRELAND SHS CLASS A SHS CLASS A G1151C101 298 2,110 SH   SOLE NONE 2,110 0 0
ABBVIE INC COM COM 00287Y109 562 6,096 SH   SOLE NONE 6,096 0 0
INVESCO BULLETSHARES 2020 CORPORATE BOND ETF BULSHS 2020 CB 46138J502 248 11,760 SH   SOLE NONE 11,760 0 0
STRYKER CORP COM COM 863667101 220 1,405 SH   SOLE NONE 1,405 0 0
GOLDMAN SACHS BDC INC SHS SHS 38147U107 2,805 152,625 SH   SOLE NONE 152,625 0 0
MCDONALDS CORP COM COM 580135101 263 1,483 SH   SOLE NONE 1,483 0 0
WISDOMTREE U.S. HIGH DIVIDEND FUND US HIGH DIVIDEND 97717W208 4,884 74,945 SH   SOLE NONE 74,945 0 0
AT&T INC COM COM 00206R102 564 19,761 SH   SOLE NONE 19,761 0 0
GENERAL ELECTRIC CO COM COM 369604103 129 16,995 SH   SOLE NONE 16,995 0 0
WISDOMTREE EUROPE SMALLCAP DIVIDEND FUND EUROPE SMCP DV 97717W869 1,423 26,659 SH   SOLE NONE 26,659 0 0
ISHARES EXPANDED TECH-SOFTWARE SECTOR ETF EXPANDED TECH 464287515 2,236 12,889 SH   SOLE NONE 12,889 0 0
ISHARES CORE S&P 500 ETF CORE S&P500 ETF 464287200 674 2,679 SH   SOLE NONE 2,679 0 0
CIGNA CORP NEW COM COM 125523100 416 2,193 SH   SOLE NONE 2,193 0 0
INVESCO BULLETSHARES 2021 CORPORATE BOND ETF BULSHS 2021 CB 46138J700 243 11,720 SH   SOLE NONE 11,720 0 0
LOCKHEED MARTIN CORP COM COM 539830109 250 954 SH   SOLE NONE 954 0 0
CHEVRON CORP NEW COM COM 166764100 276 2,538 SH   SOLE NONE 2,538 0 0
VANGUARD FTSE DEVELOPED MARKETS ETF FTSE DEV MKT ETF 921943858 22,459 605,376 SH   SOLE NONE 605,376 0 0
DANAHER CORP DEL COM COM 235851102 277 2,690 SH   SOLE NONE 2,690 0 0
INTERNATIONAL BUSINESS MACHS COM COM 459200101 215 1,889 SH   SOLE NONE 1,889 0 0
ORACLE CORP COM COM 68389X105 1,396 30,924 SH   SOLE NONE 30,924 0 0
VANGUARD FTSE EMERGING MARKETS ETF FTSE EMR MKT ETF 922042858 386 10,130 SH   SOLE NONE 10,130 0 0
TARGET CORP COM COM 87612E106 248 3,760 SH   SOLE NONE 3,760 0 0
SPDR NUVEEN BLOOMBERG BARCLAYS MUNICIPAL BOND ETF NUVEEN BRC MUNIC 78468R721 331 6,875 SH   SOLE NONE 6,875 0 0
PFIZER INC COM COM 717081103 1,364 31,256 SH   SOLE NONE 31,256 0 0
3M CO COM COM 88579Y101 533 2,759 SH   SOLE NONE 2,759 0 0
AMGEN INC COM COM 031162100 225 1,156 SH   SOLE NONE 1,156 0 0
ISHARES MSCI EAFE SMALL-CAP ETF EAFE SML CP ETF 464288273 2,304 44,459 SH   SOLE NONE 44,459 0 0
BARINGS CORPORATE INVS COM COM 06759X107 2,204 149,964 SH   SOLE NONE 149,964 0 0
ISHARES CORE U.S. AGGREGATE BOND ETF CORE US AGGBD ET 464287226 3,203 30,075 SH   SOLE NONE 30,075 0 0
INVESCO FTSE RAFI DEVELOPED MARKETS EX-U.S. SMALL-MID ETF FTSE RAFI SML 46138E735 402 14,590 SH   SOLE NONE 14,590 0 0
TOMPKINS FINANCIAL CORPORATION COM COM 890110109 3,592 47,887 SH   SOLE NONE 47,887 0 0
VANGUARD SHORT-TERM BOND INDEX FUND SHORT TRM BOND 921937827 761 9,689 SH   SOLE NONE 9,689 0 0
JOHN HANCOCK MULTIFACTOR MID CAP ETF MULTIFACTOR MI 47804J206 6,720 220,767 SH   SOLE NONE 220,767 0 0
EXXON MOBIL CORP COM COM 30231G102 3,503 51,376 SH   SOLE NONE 51,376 0 0
DEERE & CO COM COM 244199105 616 4,130 SH   SOLE NONE 4,130 0 0
COLGATE PALMOLIVE CO COM COM 194162103 334 5,605 SH   SOLE NONE 5,605 0 0
INVESCO OPTIMUM YIELD DIVERSIFIED COMMODITY STRATEGY NOA K-1A ETF OPTIMUM YIELD 46090F100 16,649 1,104,790 SH   SOLE NONE 1,104,790 0 0
ISHARES MSCI EAFE ETF MSCI EAFE ETF 464287465 2,728 46,411 SH   SOLE NONE 46,411 0 0
APPLE INC COM COM 037833100 865 5,483 SH   SOLE NONE 5,483 0 0
WEC ENERGY GROUP INC COM COM 92939U106 726 10,484 SH   SOLE NONE 10,484 0 0
ABBOTT LABS COM COM 002824100 485 6,708 SH   SOLE NONE 6,708 0 0
DISNEY WALT CO COM DISNEY COM DISNEY 254687106 633 5,776 SH   SOLE NONE 5,776 0 0
ISHARES RUSSELL 1000 VALUE ETF RUS 1000 VAL ETF 464287598 421 3,791 SH   SOLE NONE 3,791 0 0