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 594 1,904 SH   SOLE 0 0 0 1,904
ISHARES TR CORE S&P MCP ETF 464287507 1,331 5,405 SH   SOLE 0 0 0 5,405
ISHARES TR CORE S&P SCP ETF 464287804 2,701 26,732 SH   SOLE 0 0 0 26,732
ISHARES TR S&P 500 VAL ETF 464287408 422 3,196 SH   SOLE 0 0 0 3,196
ISHARES TR CORE S&P500 ETF 464287200 281 729 SH   SOLE 0 0 0 729
ISHARES TR S&P 500 GRWT ETF 464287309 437 6,697 SH   SOLE 0 0 0 6,697
ISHARES TR RUSSELL 3000 ETF 464287689 254 1,097 SH   SOLE 0 0 0 1,097
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 284 631 SH   SOLE 0 0 0 631
SPDR S&P 500 ETF TR TR UNIT 78462F103 7,809 20,341 SH   SOLE 0 0 0 20,341
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886 2,307 36,556 SH   SOLE 0 0 0 36,556
AGILENT TECHNOLOGIES INC COM 00846U101 306 2,388 SH   SOLE 0 0 0 2,388
AMAZON COM INC COM 023135106 2,624 804 SH   SOLE 0 0 0 804
BRISTOL-MYERS SQUIBB CO COM 110122108 1,329 20,057 SH   SOLE 0 0 0 20,057
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 4,305 18,337 SH   SOLE 0 0 0 18,337
EMERSON ELEC CO COM 291011104 552 6,543 SH   SOLE 0 0 0 6,543
BOEING CO COM 097023105 1,033 4,887 SH   SOLE 0 0 0 4,887
HERSHEY CO COM 427866108 559 3,737 SH   SOLE 0 0 0 3,737
INVESCO QQQ TR UNIT SER 1 46090E103 6,721 20,759 SH   SOLE 0 0 0 20,759
AMGEN INC COM 031162100 448 1,774 SH   SOLE 0 0 0 1,774
ABBOTT LABS COM 002824100 1,669 14,787 SH   SOLE 0 0 0 14,787
ALTRIA GROUP INC COM 02209S103 615 14,602 SH   SOLE 0 0 0 14,602
FEDEX CORP COM 31428X106 1,116 4,429 SH   SOLE 0 0 0 4,429
GRAINGER W W INC COM 384802104 652 1,660 SH   SOLE 0 0 0 1,660
INTEL CORP COM 458140100 2,757 46,987 SH   SOLE 0 0 0 46,987
ILLINOIS TOOL WKS INC COM 452308109 381 1,858 SH   SOLE 0 0 0 1,858
ORACLE CORP COM 68389X105 943 15,324 SH   SOLE 0 0 0 15,324
QUALCOMM INC COM 747525103 225 1,365 SH   SOLE 0 0 0 1,365
DISNEY WALT CO COM 254687106 6,101 35,135 SH   SOLE 0 0 0 35,135
HONEYWELL INTL INC COM 438516106 1,616 7,767 SH   SOLE 0 0 0 7,767
SHERWIN WILLIAMS CO COM 824348106 810 1,100 SH   SOLE 0 0 0 1,100
JOHNSON & JOHNSON COM 478160104 6,454 39,744 SH   SOLE 0 0 0 39,744
MEDTRONIC PLC SHS G5960L103 602 5,045 SH   SOLE 0 0 0 5,045
PFIZER INC COM 717081103 1,676 45,925 SH   SOLE 0 0 0 45,925
EXELON CORP COM 30161N101 570 13,235 SH   SOLE 0 0 0 13,235
LOWES COS INC COM 548661107 2,230 12,934 SH   SOLE 0 0 0 12,934
CHEVRON CORP NEW COM 166764100 1,147 12,023 SH   SOLE 0 0 0 12,023
MICROSOFT CORP COM 594918104 9,580 42,702 SH   SOLE 0 0 0 42,702
AT&T INC COM 00206R102 800 27,616 SH   SOLE 0 0 0 27,616
PRUDENTIAL FINL INC COM 744320102 650 7,732 SH   SOLE 0 0 0 7,732
TRUIST FINL CORP COM 89832Q109 436 8,438 SH   SOLE 0 0 0 8,438
CITIGROUP INC COM NEW 172967424 321 5,069 SH   SOLE 0 0 0 5,069
CISCO SYS INC COM 17275R102 2,322 51,204 SH   SOLE 0 0 0 51,204
INTERNATIONAL BUSINESS MACHS COM 459200101 683 5,254 SH   SOLE 0 0 0 5,254
COCA COLA CO COM 191216100 1,603 32,937 SH   SOLE 0 0 0 32,937
LOCKHEED MARTIN CORP COM 539830109 590 1,726 SH   SOLE 0 0 0 1,726
PEPSICO INC COM 713448108 4,218 29,847 SH   SOLE 0 0 0 29,847
PPG INDS INC COM 693506107 467 3,230 SH   SOLE 0 0 0 3,230
VERIZON COMMUNICATIONS INC COM 92343V104 2,072 36,188 SH   SOLE 0 0 0 36,188
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100 1,529 20,153 SH   SOLE 0 0 0 20,153
SELECT SECTOR SPDR TR ENERGY 81369Y506 3,490 79,729 SH   SOLE 0 0 0 79,729
SELECT SECTOR SPDR TR SBI INT-FINL 81369Y605 5,233 169,407 SH   SOLE 0 0 0 169,407
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704 4,327 48,251 SH   SOLE 0 0 0 48,251
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 10,928 83,011 SH   SOLE 0 0 0 83,011
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308 4,148 63,371 SH   SOLE 0 0 0 63,371
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 8,719 73,581 SH   SOLE 0 0 0 73,581
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 10,194 60,006 SH   SOLE 0 0 0 60,006
ISHARES TR NASDAQ BIOTECH 464287556 421 2,549 SH   SOLE 0 0 0 2,549
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 235 1,652 SH   SOLE 0 0 0 1,652
DEERE & CO COM 244199105 870 2,890 SH   SOLE 0 0 0 2,890
BK OF AMERICA CORP COM 060505104 1,426 44,104 SH   SOLE 0 0 0 44,104
STARBUCKS CORP COM 855244109 1,939 18,387 SH   SOLE 0 0 0 18,387
AUTOMATIC DATA PROCESSING IN COM 053015103 701 4,316 SH   SOLE 0 0 0 4,316
EXXON MOBIL CORP COM 30231G102 597 12,058 SH   SOLE 0 0 0 12,058
AFLAC INC COM 001055102 368 7,822 SH   SOLE 0 0 0 7,822
WALMART INC COM 931142103 1,666 11,451 SH   SOLE 0 0 0 11,451
UNION PAC CORP COM 907818108 934 4,282 SH   SOLE 0 0 0 4,282
TEXAS INSTRS INC COM 882508104 273 1,575 SH   SOLE 0 0 0 1,575
TARGET CORP COM 87612E106 1,723 9,152 SH   SOLE 0 0 0 9,152
COLGATE PALMOLIVE CO COM 194162103 1,252 15,606 SH   SOLE 0 0 0 15,606
COSTCO WHSL CORP NEW COM 22160K105 2,705 7,486 SH   SOLE 0 0 0 7,486
LILLY ELI & CO COM 532457108 2,871 14,263 SH   SOLE 0 0 0 14,263
CVS HEALTH CORP COM 126650100 886 11,769 SH   SOLE 0 0 0 11,769
DANAHER CORPORATION COM 235851102 907 3,825 SH   SOLE 0 0 0 3,825
MERCK & CO. INC COM 58933Y105 1,703 20,651 SH   SOLE 0 0 0 20,651
FULTON FINL CORP PA COM 360271100 202 13,793 SH   SOLE 0 0 0 13,793
PROCTER AND GAMBLE CO COM 742718109 5,546 42,037 SH   SOLE 0 0 0 42,037
GENERAL ELECTRIC CO COM 369604103 450 39,484 SH   SOLE 0 0 0 39,484
KIMBERLY-CLARK CORP COM 494368103 2,024 15,406 SH   SOLE 0 0 0 15,406
HOME DEPOT INC COM 437076102 1,857 6,768 SH   SOLE 0 0 0 6,768
MCDONALDS CORP COM 580135101 4,560 21,347 SH   SOLE 0 0 0 21,347
NIKE INC CL B 654106103 4,814 33,711 SH   SOLE 0 0 0 33,711
JPMORGAN CHASE & CO COM 46625H100 1,914 14,080 SH   SOLE 0 0 0 14,080
MONDELEZ INTL INC CL A 609207105 523 9,162 SH   SOLE 0 0 0 9,162
HP INC COM 40434L105 215 8,538 SH   SOLE 0 0 0 8,538
FISERV INC COM 337738108 264 2,422 SH   SOLE 0 0 0 2,422
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 427 1,631 SH   SOLE 0 0 0 1,631
AMERICAN TOWER CORP NEW COM 03027X100 1,339 6,010 SH   SOLE 0 0 0 6,010
CROWN CASTLE INTL CORP NEW COM 22822V101 936 5,885 SH   SOLE 0 0 0 5,885
RAYTHEON TECHNOLOGIES CORP COM 75513E101 742 10,779 SH   SOLE 0 0 0 10,779
INTUIT COM 461202103 742 1,905 SH   SOLE 0 0 0 1,905
3M CO COM 88579Y101 2,184 12,831 SH   SOLE 0 0 0 12,831
COMCAST CORP NEW CL A 20030N101 1,047 21,426 SH   SOLE 0 0 0 21,426
VANGUARD INDEX FDS TOTAL STK MKT 922908769 33,361 165,670 SH   SOLE 0 0 0 165,670
WASTE MGMT INC DEL COM 94106L109 1,256 10,913 SH   SOLE 0 0 0 10,913
NORFOLK SOUTHN CORP COM 655844108 1,923 7,589 SH   SOLE 0 0 0 7,589
NEXTERA ENERGY INC COM 65339F101 1,377 16,381 SH   SOLE 0 0 0 16,381
DUKE ENERGY CORP NEW COM NEW 26441C204 774 8,528 SH   SOLE 0 0 0 8,528
CONSTELLATION BRANDS INC CL A 21036P108 571 2,510 SH   SOLE 0 0 0 2,510
CONOCOPHILLIPS COM 20825C104 395 8,706 SH   SOLE 0 0 0 8,706
CSX CORP COM 126408103 1,701 18,253 SH   SOLE 0 0 0 18,253
APPLE INC COM 037833100 10,456 79,197 SH   SOLE 0 0 0 79,197
ALLIANT ENERGY CORP COM 018802108 435 8,710 SH   SOLE 0 0 0 8,710
CATERPILLAR INC COM 149123101 1,382 7,186 SH   SOLE 0 0 0 7,186
VANGUARD WORLD FDS CONSUM STP ETF 92204A207 1,084 6,372 SH   SOLE 0 0 0 6,372
INTERNATIONAL PAPER CO COM 460146103 351 6,884 SH   SOLE 0 0 0 6,884
PPL CORP COM 69351T106 235 8,397 SH   SOLE 0 0 0 8,397
CHUBB LIMITED COM H1467J104 625 4,010 SH   SOLE 0 0 0 4,010
ECOLAB INC COM 278865100 251 1,150 SH   SOLE 0 0 0 1,150
ISHARES TR EXPANDED TECH 464287515 773 2,150 SH   SOLE 0 0 0 2,150
PUBLIC STORAGE COM 74460D109 854 3,795 SH   SOLE 0 0 0 3,795
AMERICAN EXPRESS CO COM 025816109 606 4,704 SH   SOLE 0 0 0 4,704
GENERAL MLS INC COM 370334104 301 5,432 SH   SOLE 0 0 0 5,432
KELLOGG CO COM 487836108 301 5,226 SH   SOLE 0 0 0 5,226
EASTMAN CHEM CO COM 277432100 536 5,074 SH   SOLE 0 0 0 5,074
KLA CORP COM NEW 482480100 426 1,400 SH   SOLE 0 0 0 1,400
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 1,854 34,093 SH   SOLE 0 0 0 34,093
PAYCHEX INC COM 704326107 312 3,488 SH   SOLE 0 0 0 3,488
NORTHROP GRUMMAN CORP COM 666807102 1,180 3,950 SH   SOLE 0 0 0 3,950
PNC FINL SVCS GROUP INC COM 693475105 369 2,363 SH   SOLE 0 0 0 2,363
NETFLIX INC COM 64110L106 979 1,670 SH   SOLE 0 0 0 1,670
ISHARES TR SELECT DIVID ETF 464287168 1,152 11,397 SH   SOLE 0 0 0 11,397
CLOROX CO DEL COM 189054109 490 2,488 SH   SOLE 0 0 0 2,488
WD-40 CO COM 929236107 318 1,125 SH   SOLE 0 0 0 1,125
AIR PRODS & CHEMS INC COM 009158106 562 1,960 SH   SOLE 0 0 0 1,960
SEI INVTS CO COM 784117103 243 4,000 SH   SOLE 0 0 0 4,000
V F CORP COM 918204108 799 9,710 SH   SOLE 0 0 0 9,710
TRAVELERS COMPANIES INC COM 89417E109 1,688 11,640 SH   SOLE 0 0 0 11,640
AMERICAN ELEC PWR CO INC COM 025537101 569 7,047 SH   SOLE 0 0 0 7,047
MASCO CORP COM 574599106 267 4,575 SH   SOLE 0 0 0 4,575
EATON CORP PLC SHS G29183103 207 1,640 SH   SOLE 0 0 0 1,640
UNITED RENTALS INC COM 911363109 286 1,100 SH   SOLE 0 0 0 1,100
GALLAGHER ARTHUR J & CO COM 363576109 842 7,050 SH   SOLE 0 0 0 7,050
PRICE T ROWE GROUP INC COM 74144T108 745 4,670 SH   SOLE 0 0 0 4,670
STANLEY BLACK & DECKER INC COM 854502101 626 3,557 SH   SOLE 0 0 0 3,557
KANSAS CITY SOUTHERN COM NEW 485170302 295 1,370 SH   SOLE 0 0 0 1,370
CHURCH & DWIGHT INC COM 171340102 275 3,240 SH   SOLE 0 0 0 3,240
CUMMINS INC COM 231021106 2,601 10,997 SH   SOLE 0 0 0 10,997
BECTON DICKINSON & CO COM 075887109 428 1,625 SH   SOLE 0 0 0 1,625
METLIFE INC COM 59156R108 536 10,385 SH   SOLE 0 0 0 10,385
YUM BRANDS INC COM 988498101 1,897 17,341 SH   SOLE 0 0 0 17,341
AMPHENOL CORP NEW CL A 032095101 307 2,290 SH   SOLE 0 0 0 2,290
HAEMONETICS CORP COM 405024100 238 1,911 SH   SOLE 0 0 0 1,911
MICROCHIP TECHNOLOGY INC. COM 595017104 316 2,075 SH   SOLE 0 0 0 2,075
CINTAS CORP COM 172908105 220 662 SH   SOLE 0 0 0 662
ALPHABET INC CAP STK CL A 02079K305 1,692 900 SH   SOLE 0 0 0 900
VANGUARD WORLD FDS ENERGY ETF 92204A306 1,027 17,048 SH   SOLE 0 0 0 17,048
VANGUARD INDEX FDS VALUE ETF 922908744 801 6,504 SH   SOLE 0 0 0 6,504
CELANESE CORP DEL COM 150870103 902 6,817 SH   SOLE 0 0 0 6,817
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504 18,571 78,799 SH   SOLE 0 0 0 78,799
VANGUARD INDEX FDS MID CAP ETF 922908629 978 4,537 SH   SOLE 0 0 0 4,537
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 1,906 22,173 SH   SOLE 0 0 0 22,173
VANGUARD WORLD FDS MATERIALS ETF 92204A801 583 3,540 SH   SOLE 0 0 0 3,540
INTUITIVE SURGICAL INC COM NEW 46120E602 399 500 SH   SOLE 0 0 0 500
BLACKROCK INC COM 09247X101 615 829 SH   SOLE 0 0 0 829
INVESCO EXCHANGE TRADED FD T DYNMC BIOTECH 46137V787 271 3,513 SH   SOLE 0 0 0 3,513
VANGUARD INDEX FDS SMALL CP ETF 922908751 18,060 86,414 SH   SOLE 0 0 0 86,414
FASTENAL CO COM 311900104 270 5,538 SH   SOLE 0 0 0 5,538
VANGUARD INDEX FDS GROWTH ETF 922908736 505 1,952 SH   SOLE 0 0 0 1,952
MCCORMICK & CO INC COM NON VTG 579780206 2,080 22,666 SH   SOLE 0 0 0 22,666
VANGUARD INDEX FDS SML CP GRW ETF 922908595 341 1,184 SH   SOLE 0 0 0 1,184
OLD DOMINION FREIGHT LINE IN COM 679580100 209 1,000 SH   SOLE 0 0 0 1,000
VANGUARD WORLD FDS FINANCIALS ETF 92204A405 10,789 140,843 SH   SOLE 0 0 0 140,843
PARKER-HANNIFIN CORP COM 701094104 460 1,603 SH   SOLE 0 0 0 1,603
VANGUARD WORLD FDS UTILITIES ETF 92204A876 2,516 18,194 SH   SOLE 0 0 0 18,194
CHURCHILL DOWNS INC COM 171484108 895 4,200 SH   SOLE 0 0 0 4,200
SALESFORCE COM INC COM 79466L302 378 1,692 SH   SOLE 0 0 0 1,692
VANGUARD WORLD FDS COMM SRVC ETF 92204A884 3,056 24,811 SH   SOLE 0 0 0 24,811
M & T BK CORP COM 55261F104 258 1,793 SH   SOLE 0 0 0 1,793
ZEBRA TECHNOLOGIES CORPORATI CL A 989207105 407 1,000 SH   SOLE 0 0 0 1,000
VANGUARD WORLD FDS INF TECH ETF 92204A702 43,268 119,961 SH   SOLE 0 0 0 119,961
SPDR SER TR S&P BIOTECH 78464A870 244 1,584 SH   SOLE 0 0 0 1,584
VANGUARD WORLD FDS CONSUM DIS ETF 92204A108 753 2,569 SH   SOLE 0 0 0 2,569
VANGUARD WORLD FDS INDUSTRIAL ETF 92204A603 1,941 11,083 SH   SOLE 0 0 0 11,083
MASTERCARD INCORPORATED CL A 57636Q104 1,261 3,765 SH   SOLE 0 0 0 3,765
EQUINIX INC COM 29444U700 208 286 SH   SOLE 0 0 0 286
SUN CMNTYS INC COM 866674104 2,015 13,786 SH   SOLE 0 0 0 13,786
ISHARES TR CORE S&P TTL STK 464287150 9,846 110,348 SH   SOLE 0 0 0 110,348
VANGUARD INDEX FDS LARGE CAP ETF 922908637 273 1,514 SH   SOLE 0 0 0 1,514
MARTIN MARIETTA MATLS INC COM 573284106 344 1,109 SH   SOLE 0 0 0 1,109
INVESCO EXCHANGE TRADED FD T DIVID ACHIEVEV 46137V506 885 26,620 SH   SOLE 0 0 0 26,620
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 4,902 79,928 SH   SOLE 0 0 0 79,928
INVESCO EXCHANGE TRADED FD T BUYBACK ACHIEV 46137V308 560 7,183 SH   SOLE 0 0 0 7,183
INVESCO EXCHANGE TRADED FD T FINL PFD ETF 46137V621 280 14,780 SH   SOLE 0 0 0 14,780
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 3,387 40,909 SH   SOLE 0 0 0 40,909
VANGUARD BD INDEX FDS INTERMED TERM 921937819 378 4,105 SH   SOLE 0 0 0 4,105
SPDR SER TR PORTFOLIO S&P400 78464A847 4,720 109,080 SH   SOLE 0 0 0 109,080
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 6,186 70,735 SH   SOLE 0 0 0 70,735
BLACKSTONE GROUP INC COM CL A 09260D107 534 8,190 SH   SOLE 0 0 0 8,190
INVESCO EXCHANGE TRADED FD T DYNMC SOFTWARE 46137V639 489 2,942 SH   SOLE 0 0 0 2,942
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 716 14,634 SH   SOLE 0 0 0 14,634
ISHARES TR NATIONAL MUN ETF 464288414 276 2,353 SH   SOLE 0 0 0 2,353
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 337 2,681 SH   SOLE 0 0 0 2,681
MERCADOLIBRE INC COM 58733R102 1,258 634 SH   SOLE 0 0 0 634
VISA INC COM CL A 92826C839 1,896 9,203 SH   SOLE 0 0 0 9,203
PHILIP MORRIS INTL INC COM 718172109 422 5,161 SH   SOLE 0 0 0 5,161
SPDR SER TR PORTFOLIO S&P500 78464A854 9,429 208,875 SH   SOLE 0 0 0 208,875
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 308 8,768 SH   SOLE 0 0 0 8,768
ISHARES TR GL CLEAN ENE ETF 464288224 376 12,019 SH   SOLE 0 0 0 12,019
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 13,396 139,176 SH   SOLE 0 0 0 139,176
INVESCO ACTIVELY MANAGED ETF ACTIVE US REAL 46090A101 226 2,588 SH   SOLE 0 0 0 2,588
BROADCOM INC COM 11135F101 510 1,105 SH   SOLE 0 0 0 1,105
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 793 7,765 SH   SOLE 0 0 0 7,765
ISHARES TR RUS TP200 VL ETF 464289420 235 3,931 SH   SOLE 0 0 0 3,931
ISHARES TR RUS TP200 GR ETF 464289438 245 1,810 SH   SOLE 0 0 0 1,810
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 22,858 242,760 SH   SOLE 0 0 0 242,760
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 5,430 145,333 SH   SOLE 0 0 0 145,333
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 8,797 93,947 SH   SOLE 0 0 0 93,947
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 6,954 83,641 SH   SOLE 0 0 0 83,641
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 2,153 22,183 SH   SOLE 0 0 0 22,183
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 6,475 93,759 SH   SOLE 0 0 0 93,759
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 852 13,823 SH   SOLE 0 0 0 13,823
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 2,853 85,468 SH   SOLE 0 0 0 85,468
TESLA INC COM 88160R101 1,415 1,664 SH   SOLE 0 0 0 1,664
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 327 6,363 SH   SOLE 0 0 0 6,363
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 1,284 3,640 SH   SOLE 0 0 0 3,640
SHOPIFY INC CL A 82509L107 367 306 SH   SOLE 0 0 0 306
ISHARES TR 0-5 YR TIPS ETF 46429B747 210 2,000 SH   SOLE 0 0 0 2,000
SCHWAB STRATEGIC TR US REIT ETF 808524847 880 22,989 SH   SOLE 0 0 0 22,989
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 1,271 17,589 SH   SOLE 0 0 0 17,589
VANGUARD STAR FDS VG TL INTL STK F 921909768 14,882 235,668 SH   SOLE 0 0 0 235,668
ISHARES TR CORE HIGH DV ETF 46429B663 360 3,984 SH   SOLE 0 0 0 3,984
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 873 15,671 SH   SOLE 0 0 0 15,671
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 2,042 30,757 SH   SOLE 0 0 0 30,757
ISHARES TR MSCI USA MIN VOL 46429B697 659 9,656 SH   SOLE 0 0 0 9,656
PHILLIPS 66 COM 718546104 309 4,102 SH   SOLE 0 0 0 4,102
PIMCO ETF TR ACTIVE BD ETF 72201R775 556 4,937 SH   SOLE 0 0 0 4,937
FACEBOOK INC CL A 30303M102 1,715 6,411 SH   SOLE 0 0 0 6,411
SERVICENOW INC COM 81762P102 491 905 SH   SOLE 0 0 0 905
ISHARES INC CORE MSCI EMKT 46434G103 5,575 82,922 SH   SOLE 0 0 0 82,922
ISHARES TR CORE MSCI TOTAL 46432F834 3,659 51,866 SH   SOLE 0 0 0 51,866
ISHARES TR CORE MSCI EAFE 46432F842 6,598 92,380 SH   SOLE 0 0 0 92,380
ABBVIE INC COM 00287Y109 1,229 10,914 SH   SOLE 0 0 0 10,914
ISHARES TR MSCI USA MMENTM 46432F396 741 4,362 SH   SOLE 0 0 0 4,362
ISHARES TR MSCI USA QLT FCT 46432F339 769 6,552 SH   SOLE 0 0 0 6,552
FIDELITY COVINGTON TRUST MSCI HLTH CARE I 316092600 338 5,558 SH   SOLE 0 0 0 5,558
FIDELITY COVINGTON TRUST MSCI UTILS INDEX 316092865 241 5,890 SH   SOLE 0 0 0 5,890
FIDELITY COVINGTON TRUST MSCI INFO TECH I 316092808 267 2,506 SH   SOLE 0 0 0 2,506
SPDR SER TR PORTFOLIO S&P600 78468R853 4,944 125,718 SH   SOLE 0 0 0 125,718
ALPHABET INC CAP STK CL C 02079K107 1,764 935 SH   SOLE 0 0 0 935
ISHARES TR CORE DIV GRWTH 46434V621 1,150 25,073 SH   SOLE 0 0 0 25,073
ALIBABA GROUP HLDG LTD SPONSORED ADS 01609W102 503 1,896 SH   SOLE 0 0 0 1,896
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309 2,861 53,061 SH   SOLE 0 0 0 53,061
PAYPAL HLDGS INC COM 70450Y103 829 3,392 SH   SOLE 0 0 0 3,392
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 856 15,501 SH   SOLE 0 0 0 15,501
GOLDMAN SACHS ETF TR ACTIVEBETA US LG 381430503 990 12,733 SH   SOLE 0 0 0 12,733
SELECT SECTOR SPDR TR RL EST SEL SEC 81369Y860 2,558 69,417 SH   SOLE 0 0 0 69,417
YUM CHINA HLDGS INC COM 98850P109 486 8,237 SH   SOLE 0 0 0 8,237
GLOBAL X FDS US INFR DEV ETF 37954Y673 214 9,400 SH   SOLE 0 0 0 9,400
ISHARES TR ESG AWR MSCI USA 46435G425 837 9,449 SH   SOLE 0 0 0 9,449
DUPONT DE NEMOURS INC COM 26614N102 227 2,698 SH   SOLE 0 0 0 2,698
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852 9,682 141,224 SH   SOLE 0 0 0 141,224
PELOTON INTERACTIVE INC CL A COM 70614W100 469 3,012 SH   SOLE 0 0 0 3,012
CARRIER GLOBAL CORPORATION COM 14448C104 291 7,273 SH   SOLE 0 0 0 7,273
OTIS WORLDWIDE CORP COM 68902V107 231 3,539 SH   SOLE 0 0 0 3,539