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
Estimated average burden
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
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109 522 1,881 SH   SOLE 0 0 0 1,881
ISHARES TR CORE S&P MCP ETF 464287507 1,000 5,397 SH   SOLE 0 0 0 5,397
ISHARES TR CORE S&P SCP ETF 464287804 1,969 28,042 SH   SOLE 0 0 0 28,042
ISHARES TR S&P 500 VAL ETF 464287408 346 3,081 SH   SOLE 0 0 0 3,081
ISHARES TR CORE S&P500 ETF 464287200 247 735 SH   SOLE 0 0 0 735
ISHARES TR S&P 500 GRWT ETF 464287309 387 1,673 SH   SOLE 0 0 0 1,673
ISHARES TR RUSSELL 3000 ETF 464287689 215 1,097 SH   SOLE 0 0 0 1,097
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 214 631 SH   SOLE 0 0 0 631
SPDR S&P 500 ETF TR TR UNIT 78462F103 7,018 20,956 SH   SOLE 0 0 0 20,956
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886 2,176 36,643 SH   SOLE 0 0 0 36,643
AGILENT TECHNOLOGIES INC COM 00846U101 246 2,438 SH   SOLE 0 0 0 2,438
AMAZON COM INC COM 023135106 2,516 799 SH   SOLE 0 0 0 799
BRISTOL-MYERS SQUIBB CO COM 110122108 1,238 20,528 SH   SOLE 0 0 0 20,528
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 3,895 18,292 SH   SOLE 0 0 0 18,292
EMERSON ELEC CO COM 291011104 429 6,543 SH   SOLE 0 0 0 6,543
BOEING CO COM 097023105 836 5,057 SH   SOLE 0 0 0 5,057
HERSHEY CO COM 427866108 546 3,806 SH   SOLE 0 0 0 3,806
INVESCO QQQ TR UNIT SER 1 46090E103 5,457 19,641 SH   SOLE 0 0 0 19,641
AMGEN INC COM 031162100 445 1,752 SH   SOLE 0 0 0 1,752
ABBOTT LABS COM 002824100 1,674 15,383 SH   SOLE 0 0 0 15,383
ALTRIA GROUP INC COM 02209S103 576 14,919 SH   SOLE 0 0 0 14,919
FEDEX CORP COM 31428X106 1,153 4,585 SH   SOLE 0 0 0 4,585
GRAINGER W W INC COM 384802104 592 1,660 SH   SOLE 0 0 0 1,660
INTEL CORP COM 458140100 2,681 51,775 SH   SOLE 0 0 0 51,775
ILLINOIS TOOL WKS INC COM 452308109 412 2,132 SH   SOLE 0 0 0 2,132
ORACLE CORP COM 68389X105 992 16,624 SH   SOLE 0 0 0 16,624
DISNEY WALT CO COM DISNEY 254687106 4,464 35,980 SH   SOLE 0 0 0 35,980
HONEYWELL INTL INC COM 438516106 1,198 7,277 SH   SOLE 0 0 0 7,277
SHERWIN WILLIAMS CO COM 824348106 766 1,100 SH   SOLE 0 0 0 1,100
JOHNSON & JOHNSON COM 478160104 5,869 39,421 SH   SOLE 0 0 0 39,421
MEDTRONIC PLC SHS G5960L103 471 4,531 SH   SOLE 0 0 0 4,531
PFIZER INC COM 717081103 1,654 45,056 SH   SOLE 0 0 0 45,056
EXELON CORP COM 30161N101 510 14,263 SH   SOLE 0 0 0 14,263
LOWES COS INC COM 548661107 2,174 13,110 SH   SOLE 0 0 0 13,110
CHEVRON CORP NEW COM 166764100 907 12,602 SH   SOLE 0 0 0 12,602
MICROSOFT CORP COM 594918104 9,327 44,345 SH   SOLE 0 0 0 44,345
AT&T INC COM 00206R102 1,110 38,948 SH   SOLE 0 0 0 38,948
PRUDENTIAL FINL INC COM 744320102 504 7,937 SH   SOLE 0 0 0 7,937
TRUIST FINL CORP COM 89832Q109 348 9,135 SH   SOLE 0 0 0 9,135
CITIGROUP INC COM NEW 172967424 284 6,591 SH   SOLE 0 0 0 6,591
CISCO SYS INC COM 17275R102 2,189 55,565 SH   SOLE 0 0 0 55,565
INTERNATIONAL BUSINESS MACHS COM 459200101 639 5,256 SH   SOLE 0 0 0 5,256
COCA COLA CO COM 191216100 1,574 31,886 SH   SOLE 0 0 0 31,886
LOCKHEED MARTIN CORP COM 539830109 662 1,726 SH   SOLE 0 0 0 1,726
PEPSICO INC COM 713448108 4,269 30,803 SH   SOLE 0 0 0 30,803
PPG INDS INC COM 693506107 394 3,230 SH   SOLE 0 0 0 3,230
STRYKER CORPORATION COM 863667101 254 1,218 SH   SOLE 0 0 0 1,218
VERIZON COMMUNICATIONS INC COM 92343V104 2,052 34,501 SH   SOLE 0 0 0 34,501
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100 1,225 19,249 SH   SOLE 0 0 0 19,249
SELECT SECTOR SPDR TR ENERGY 81369Y506 2,619 87,445 SH   SOLE 0 0 0 87,445
SELECT SECTOR SPDR TR SBI INT-FINL 81369Y605 3,857 160,220 SH   SOLE 0 0 0 160,220
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704 3,746 48,659 SH   SOLE 0 0 0 48,659
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 9,431 80,811 SH   SOLE 0 0 0 80,811
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308 4,138 64,551 SH   SOLE 0 0 0 64,551
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 7,628 72,312 SH   SOLE 0 0 0 72,312
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 8,103 55,128 SH   SOLE 0 0 0 55,128
ISHARES TR NASDAQ BIOTECH 464287556 345 2,549 SH   SOLE 0 0 0 2,549
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 213 1,652 SH   SOLE 0 0 0 1,652
DEERE & CO COM 244199105 521 2,350 SH   SOLE 0 0 0 2,350
BK OF AMERICA CORP COM 060505104 1,126 46,739 SH   SOLE 0 0 0 46,739
STARBUCKS CORP COM 855244109 1,627 18,936 SH   SOLE 0 0 0 18,936
AUTOMATIC DATA PROCESSING IN COM 053015103 612 4,384 SH   SOLE 0 0 0 4,384
EXXON MOBIL CORP COM 30231G102 478 13,913 SH   SOLE 0 0 0 13,913
AFLAC INC COM 001055102 303 8,322 SH   SOLE 0 0 0 8,322
WALMART INC COM 931142103 1,610 11,505 SH   SOLE 0 0 0 11,505
UNION PAC CORP COM 907818108 855 4,342 SH   SOLE 0 0 0 4,342
TEXAS INSTRS INC COM 882508104 225 1,575 SH   SOLE 0 0 0 1,575
TARGET CORP COM 87612E106 1,388 8,815 SH   SOLE 0 0 0 8,815
COLGATE PALMOLIVE CO COM 194162103 1,204 15,602 SH   SOLE 0 0 0 15,602
COSTCO WHSL CORP NEW COM 22160K105 2,675 7,536 SH   SOLE 0 0 0 7,536
LILLY ELI & CO COM 532457108 2,113 14,276 SH   SOLE 0 0 0 14,276
CVS HEALTH CORP COM 126650100 711 12,166 SH   SOLE 0 0 0 12,166
DANAHER CORPORATION COM 235851102 835 3,880 SH   SOLE 0 0 0 3,880
MERCK & CO. INC COM 58933Y105 1,890 22,780 SH   SOLE 0 0 0 22,780
FULTON FINL CORP PA COM 360271100 127 13,607 SH   SOLE 0 0 0 13,607
PROCTER AND GAMBLE CO COM 742718109 5,914 42,550 SH   SOLE 0 0 0 42,550
GENERAL ELECTRIC CO COM 369604103 263 42,272 SH   SOLE 0 0 0 42,272
KIMBERLY CLARK CORP COM 494368103 2,294 15,535 SH   SOLE 0 0 0 15,535
HOME DEPOT INC COM 437076102 1,643 5,915 SH   SOLE 0 0 0 5,915
MCDONALDS CORP COM 580135101 4,678 21,312 SH   SOLE 0 0 0 21,312
NIKE INC CL B 654106103 4,337 34,544 SH   SOLE 0 0 0 34,544
JPMORGAN CHASE & CO COM 46625H100 1,364 14,174 SH   SOLE 0 0 0 14,174
MONDELEZ INTL INC CL A 609207105 543 9,458 SH   SOLE 0 0 0 9,458
FISERV INC COM 337738108 250 2,422 SH   SOLE 0 0 0 2,422
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 369 1,631 SH   SOLE 0 0 0 1,631
AMERICAN TOWER CORP NEW COM 03027X100 1,473 6,092 SH   SOLE 0 0 0 6,092
CROWN CASTLE INTL CORP NEW COM 22822V101 1,055 6,335 SH   SOLE 0 0 0 6,335
RAYTHEON TECHNOLOGIES CORP COM 75513E101 675 11,733 SH   SOLE 0 0 0 11,733
INTUIT COM 461202103 621 1,905 SH   SOLE 0 0 0 1,905
3M CO COM 88579Y101 2,058 12,849 SH   SOLE 0 0 0 12,849
COMCAST CORP NEW CL A 20030N101 997 21,553 SH   SOLE 0 0 0 21,553
VANGUARD INDEX FDS TOTAL STK MKT 922908769 27,877 163,684 SH   SOLE 0 0 0 163,684
WASTE MGMT INC DEL COM 94106L109 1,272 11,243 SH   SOLE 0 0 0 11,243
NORFOLK SOUTHN CORP COM 655844108 1,661 7,760 SH   SOLE 0 0 0 7,760
NEXTERA ENERGY INC COM 65339F101 1,148 4,136 SH   SOLE 0 0 0 4,136
DUKE ENERGY CORP NEW COM NEW 26441C204 759 8,569 SH   SOLE 0 0 0 8,569
CONSTELLATION BRANDS INC CL A 21036P108 514 2,710 SH   SOLE 0 0 0 2,710
CONOCOPHILLIPS COM 20825C104 315 9,579 SH   SOLE 0 0 0 9,579
CSX CORP COM 126408103 1,437 18,496 SH   SOLE 0 0 0 18,496
APPLE INC COM 037833100 9,274 80,082 SH   SOLE 0 0 0 80,082
ALLIANT ENERGY CORP COM 018802108 432 8,356 SH   SOLE 0 0 0 8,356
CATERPILLAR INC DEL COM 149123101 1,019 6,834 SH   SOLE 0 0 0 6,834
VANGUARD WORLD FDS CONSUM STP ETF 92204A207 1,041 6,371 SH   SOLE 0 0 0 6,371
INTERNATIONAL PAPER CO COM 460146103 291 7,171 SH   SOLE 0 0 0 7,171
PPL CORP COM 69351T106 254 9,331 SH   SOLE 0 0 0 9,331
CHUBB LIMITED COM H1467J104 503 4,331 SH   SOLE 0 0 0 4,331
ECOLAB INC COM 278865100 240 1,200 SH   SOLE 0 0 0 1,200
ISHARES TR EXPANDED TECH 464287515 669 2,150 SH   SOLE 0 0 0 2,150
PUBLIC STORAGE COM 74460D109 845 3,795 SH   SOLE 0 0 0 3,795
AMERICAN EXPRESS CO COM 025816109 561 5,599 SH   SOLE 0 0 0 5,599
GENERAL MLS INC COM 370334104 359 5,817 SH   SOLE 0 0 0 5,817
KELLOGG CO COM 487836108 345 5,344 SH   SOLE 0 0 0 5,344
EASTMAN CHEM CO COM 277432100 434 5,555 SH   SOLE 0 0 0 5,555
KLA CORP COM NEW 482480100 271 1,400 SH   SOLE 0 0 0 1,400
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 1,470 33,993 SH   SOLE 0 0 0 33,993
PAYCHEX INC COM 704326107 294 3,685 SH   SOLE 0 0 0 3,685
NORTHROP GRUMMAN CORP COM 666807102 1,188 3,764 SH   SOLE 0 0 0 3,764
PNC FINL SVCS GROUP INC COM 693475105 271 2,463 SH   SOLE 0 0 0 2,463
NETFLIX INC COM 64110L106 880 1,760 SH   SOLE 0 0 0 1,760
ISHARES TR SELECT DIVID ETF 464287168 909 11,149 SH   SOLE 0 0 0 11,149
CLOROX CO DEL COM 189054109 523 2,488 SH   SOLE 0 0 0 2,488
WD-40 CO COM 929236107 213 1,125 SH   SOLE 0 0 0 1,125
AIR PRODS & CHEMS INC COM 009158106 548 1,839 SH   SOLE 0 0 0 1,839
SEI INVTS CO COM 784117103 203 4,000 SH   SOLE 0 0 0 4,000
V F CORP COM 918204108 682 9,710 SH   SOLE 0 0 0 9,710
TRAVELERS COMPANIES INC COM 89417E109 1,308 12,092 SH   SOLE 0 0 0 12,092
AMERICAN ELEC PWR CO INC COM 025537101 595 7,280 SH   SOLE 0 0 0 7,280
MASCO CORP COM 574599106 273 4,950 SH   SOLE 0 0 0 4,950
GALLAGHER ARTHUR J & CO COM 363576109 839 7,950 SH   SOLE 0 0 0 7,950
PRICE T ROWE GROUP INC COM 74144T108 599 4,670 SH   SOLE 0 0 0 4,670
STANLEY BLACK & DECKER INC COM 854502101 591 3,641 SH   SOLE 0 0 0 3,641
KANSAS CITY SOUTHERN COM NEW 485170302 238 1,319 SH   SOLE 0 0 0 1,319
CHURCH & DWIGHT INC COM 171340102 308 3,289 SH   SOLE 0 0 0 3,289
CUMMINS INC COM 231021106 2,318 10,976 SH   SOLE 0 0 0 10,976
BECTON DICKINSON & CO COM 075887109 384 1,650 SH   SOLE 0 0 0 1,650
METLIFE INC COM 59156R108 406 10,932 SH   SOLE 0 0 0 10,932
YUM BRANDS INC COM 988498101 1,610 17,639 SH   SOLE 0 0 0 17,639
AMPHENOL CORP NEW CL A 032095101 264 2,435 SH   SOLE 0 0 0 2,435
MICROCHIP TECHNOLOGY INC. COM 595017104 313 3,048 SH   SOLE 0 0 0 3,048
CINTAS CORP COM 172908105 220 662 SH   SOLE 0 0 0 662
ALPHABET INC CAP STK CL A 02079K305 1,304 890 SH   SOLE 0 0 0 890
VANGUARD WORLD FDS ENERGY ETF 92204A306 528 13,096 SH   SOLE 0 0 0 13,096
VANGUARD INDEX FDS VALUE ETF 922908744 657 6,286 SH   SOLE 0 0 0 6,286
CELANESE CORP DEL COM 150870103 765 7,117 SH   SOLE 0 0 0 7,117
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504 16,613 81,437 SH   SOLE 0 0 0 81,437
VANGUARD INDEX FDS MID CAP ETF 922908629 761 4,318 SH   SOLE 0 0 0 4,318
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 1,477 18,700 SH   SOLE 0 0 0 18,700
VANGUARD WORLD FDS MATERIALS ETF 92204A801 485 3,605 SH   SOLE 0 0 0 3,605
INTUITIVE SURGICAL INC COM NEW 46120E602 355 500 SH   SOLE 0 0 0 500
BLACKROCK INC COM 09247X101 439 779 SH   SOLE 0 0 0 779
INVESCO EXCHANGE TRADED FD T DYNMC BIOTECH 46137V787 205 3,613 SH   SOLE 0 0 0 3,613
VANGUARD INDEX FDS SMALL CP ETF 922908751 12,916 83,982 SH   SOLE 0 0 0 83,982
FASTENAL CO COM 311900104 259 5,738 SH   SOLE 0 0 0 5,738
VANGUARD INDEX FDS GROWTH ETF 922908736 383 1,684 SH   SOLE 0 0 0 1,684
BLACKROCK CORPOR HI YLD FD I COM 09255P107 107 10,000 SH   SOLE 0 0 0 10,000
MCCORMICK & CO INC COM NON VTG 579780206 2,271 11,701 SH   SOLE 0 0 0 11,701
VANGUARD INDEX FDS SML CP GRW ETF 922908595 254 1,184 SH   SOLE 0 0 0 1,184
VANGUARD WORLD FDS FINANCIALS ETF 92204A405 8,442 144,304 SH   SOLE 0 0 0 144,304
PARKER-HANNIFIN CORP COM 701094104 334 1,653 SH   SOLE 0 0 0 1,653
VANGUARD WORLD FDS UTILITIES ETF 92204A876 2,506 19,409 SH   SOLE 0 0 0 19,409
CHURCHILL DOWNS INC COM 171484108 688 4,200 SH   SOLE 0 0 0 4,200
SALESFORCE COM INC COM 79466L302 400 1,592 SH   SOLE 0 0 0 1,592
VANGUARD WORLD FDS COMM SRVC ETF 92204A884 2,342 22,988 SH   SOLE 0 0 0 22,988
ZEBRA TECHNOLOGIES CORPORATI CL A 989207105 252 1,000 SH   SOLE 0 0 0 1,000
VANGUARD WORLD FDS INF TECH ETF 92204A702 38,404 123,307 SH   SOLE 0 0 0 123,307
VANGUARD WORLD FDS CONSUM DIS ETF 92204A108 686 2,925 SH   SOLE 0 0 0 2,925
VANGUARD WORLD FDS INDUSTRIAL ETF 92204A603 1,672 11,548 SH   SOLE 0 0 0 11,548
MASTERCARD INCORPORATED CL A 57636Q104 1,307 3,865 SH   SOLE 0 0 0 3,865
SUN CMNTYS INC COM 866674104 1,889 13,432 SH   SOLE 0 0 0 13,432
ISHARES TR CORE S&P TTL STK 464287150 8,474 112,257 SH   SOLE 0 0 0 112,257
VANGUARD INDEX FDS LARGE CAP ETF 922908637 328 2,094 SH   SOLE 0 0 0 2,094
INVESCO EXCHANGE TRADED FD T DIVID ACHIEVEV 46137V506 860 28,404 SH   SOLE 0 0 0 28,404
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 4,129 81,843 SH   SOLE 0 0 0 81,843
INVESCO EXCHANGE TRADED FD T BUYBACK ACHIEV 46137V308 468 7,782 SH   SOLE 0 0 0 7,782
INVESCO EXCHANGE TRADED FD T FINL PFD ETF 46137V621 277 14,768 SH   SOLE 0 0 0 14,768
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 2,197 26,455 SH   SOLE 0 0 0 26,455
VANGUARD BD INDEX FDS INTERMED TERM 921937819 378 4,049 SH   SOLE 0 0 0 4,049
SPDR SER TR PORTFOLIO S&P400 78464A847 3,121 95,640 SH   SOLE 0 0 0 95,640
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 4,676 52,999 SH   SOLE 0 0 0 52,999
BLACKSTONE GROUP INC COM CL A 09260D107 507 9,711 SH   SOLE 0 0 0 9,711
INVESCO EXCHANGE TRADED FD T DYNMC SOFTWARE 46137V639 389 3,142 SH   SOLE 0 0 0 3,142
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 598 14,614 SH   SOLE 0 0 0 14,614
ISHARES TR NATIONAL MUN ETF 464288414 273 2,353 SH   SOLE 0 0 0 2,353
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 282 2,675 SH   SOLE 0 0 0 2,675
MERCADOLIBRE INC COM 58733R102 686 634 SH   SOLE 0 0 0 634
VISA INC COM CL A 92826C839 1,840 9,203 SH   SOLE 0 0 0 9,203
PHILIP MORRIS INTL INC COM 718172109 417 5,561 SH   SOLE 0 0 0 5,561
SPDR SER TR PORTFOLIO S&P500 78464A854 7,840 199,244 SH   SOLE 0 0 0 199,244
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 229 7,827 SH   SOLE 0 0 0 7,827
ISHARES TR GL CLEAN ENE ETF 464288224 222 12,019 SH   SOLE 0 0 0 12,019
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 11,790 146,209 SH   SOLE 0 0 0 146,209
INVESCO ACTIVELY MANAGED ETF ACTIVE US REAL 46090A101 210 2,588 SH   SOLE 0 0 0 2,588
BROADCOM INC COM 11135F101 402 1,104 SH   SOLE 0 0 0 1,104
ISHARES TR RUS TP200 VL ETF 464289420 201 3,931 SH   SOLE 0 0 0 3,931
ISHARES TR RUS TP200 GR ETF 464289438 220 1,810 SH   SOLE 0 0 0 1,810
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 19,522 245,134 SH   SOLE 0 0 0 245,134
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 4,246 135,223 SH   SOLE 0 0 0 135,223
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 7,100 88,051 SH   SOLE 0 0 0 88,051
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 5,252 63,392 SH   SOLE 0 0 0 63,392
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 1,444 21,132 SH   SOLE 0 0 0 21,132
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 6,563 93,116 SH   SOLE 0 0 0 93,116
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 3,538 56,984 SH   SOLE 0 0 0 56,984
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 2,064 77,126 SH   SOLE 0 0 0 77,126
TESLA INC COM 88160R101 746 1,739 SH   SOLE 0 0 0 1,739
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 335 6,513 SH   SOLE 0 0 0 6,513
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 1,120 3,640 SH   SOLE 0 0 0 3,640
SHOPIFY INC CL A 82509L107 313 306 SH   SOLE 0 0 0 306
ISHARES TR 0-5 YR TIPS ETF 46429B747 208 2,000 SH   SOLE 0 0 0 2,000
SCHWAB STRATEGIC TR US REIT ETF 808524847 861 24,353 SH   SOLE 0 0 0 24,353
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 913 16,464 SH   SOLE 0 0 0 16,464
VANGUARD STAR FDS VG TL INTL STK F 921909768 11,426 219,017 SH   SOLE 0 0 0 219,017
ISHARES TR CORE HIGH DV ETF 46429B663 311 3,862 SH   SOLE 0 0 0 3,862
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 953 16,995 SH   SOLE 0 0 0 16,995
DUNKIN BRANDS GROUP INC COM 265504100 560 6,834 SH   SOLE 0 0 0 6,834
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 1,643 29,705 SH   SOLE 0 0 0 29,705
ISHARES TR MSCI USA MIN VOL 46429B697 639 10,027 SH   SOLE 0 0 0 10,027
PHILLIPS 66 COM 718546104 254 4,891 SH   SOLE 0 0 0 4,891
PIMCO ETF TR ACTIVE BD ETF 72201R775 351 3,125 SH   SOLE 0 0 0 3,125
FACEBOOK INC CL A 30303M102 1,724 6,581 SH   SOLE 0 0 0 6,581
SERVICENOW INC COM 81762P102 439 905 SH   SOLE 0 0 0 905
ISHARES INC CORE MSCI EMKT 46434G103 4,014 76,029 SH   SOLE 0 0 0 76,029
ISHARES TR CORE MSCI TOTAL 46432F834 2,942 50,429 SH   SOLE 0 0 0 50,429
ISHARES TR CORE MSCI EAFE 46432F842 4,541 75,328 SH   SOLE 0 0 0 75,328
ABBVIE INC COM 00287Y109 960 10,964 SH   SOLE 0 0 0 10,964
ISHARES TR MSCI USA MMENTM 46432F396 649 4,404 SH   SOLE 0 0 0 4,404
ISHARES TR MSCI USA QLT FCT 46432F339 688 6,635 SH   SOLE 0 0 0 6,635
FIDELITY COVINGTON TRUST MSCI HLTH CARE I 316092600 292 5,558 SH   SOLE 0 0 0 5,558
FIDELITY COVINGTON TRUST MSCI UTILS INDEX 316092865 227 5,990 SH   SOLE 0 0 0 5,990
SPDR SER TR PORTFOLIO S&P600 78468R853 3,132 114,390 SH   SOLE 0 0 0 114,390
ALPHABET INC CAP STK CL C 02079K107 1,428 972 SH   SOLE 0 0 0 972
ISHARES TR CORE DIV GRWTH 46434V621 988 24,828 SH   SOLE 0 0 0 24,828
ALIBABA GROUP HLDG LTD SPONSORED ADS 01609W102 557 1,896 SH   SOLE 0 0 0 1,896
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309 1,292 23,650 SH   SOLE 0 0 0 23,650
PAYPAL HLDGS INC COM 70450Y103 687 3,485 SH   SOLE 0 0 0 3,485
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 699 12,832 SH   SOLE 0 0 0 12,832
GOLDMAN SACHS ETF TR ACTIVEBETA US LG 381430503 864 12,690 SH   SOLE 0 0 0 12,690
SELECT SECTOR SPDR TR RL EST SEL SEC 81369Y860 2,445 69,313 SH   SOLE 0 0 0 69,313
YUM CHINA HLDGS INC COM 98850P109 442 8,340 SH   SOLE 0 0 0 8,340
ISHARES TR ESG AWR MSCI USA 46435G425 678 8,898 SH   SOLE 0 0 0 8,898
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852 8,373 140,957 SH   SOLE 0 0 0 140,957
PELOTON INTERACTIVE INC CL A COM 70614W100 299 3,012 SH   SOLE 0 0 0 3,012
CARRIER GLOBAL CORPORATION COM 14448C104 236 7,738 SH   SOLE 0 0 0 7,738
OTIS WORLDWIDE CORP COM 68902V107 241 3,869 SH   SOLE 0 0 0 3,869