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 646 1,956 SH   SOLE 0 0 0 1,956
ISHARES TR CORE S&P MCP ETF 464287507 1,478 5,679 SH   SOLE 0 0 0 5,679
ISHARES TR CORE S&P SCP ETF 464287804 2,988 27,535 SH   SOLE 0 0 0 27,535
ISHARES TR S&P 500 VAL ETF 464287408 456 3,231 SH   SOLE 0 0 0 3,231
ISHARES TR CORE S&P500 ETF 464287200 3,366 8,462 SH   SOLE 0 0 0 8,462
ISHARES TR S&P 500 GRWT ETF 464287309 432 6,637 SH   SOLE 0 0 0 6,637
ISHARES TR RUSSELL 3000 ETF 464287689 260 1,097 SH   SOLE 0 0 0 1,097
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 301 632 SH   SOLE 0 0 0 632
SPDR S&P 500 ETF TR TR UNIT 78462F103 8,184 20,649 SH   SOLE 0 0 0 20,649
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886 2,277 35,550 SH   SOLE 0 0 0 35,550
AGILENT TECHNOLOGIES INC COM 00846U101 297 2,338 SH   SOLE 0 0 0 2,338
AMAZON COM INC COM 023135106 3,790 1,225 SH   SOLE 0 0 0 1,225
BRISTOL-MYERS SQUIBB CO COM 110122108 1,257 19,915 SH   SOLE 0 0 0 19,915
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 4,756 18,616 SH   SOLE 0 0 0 18,616
EMERSON ELEC CO COM 291011104 528 5,855 SH   SOLE 0 0 0 5,855
BOEING CO COM 097023105 1,277 5,015 SH   SOLE 0 0 0 5,015
HERSHEY CO COM 427866108 578 3,653 SH   SOLE 0 0 0 3,653
INVESCO QQQ TR UNIT SER 1 46090E103 6,597 20,671 SH   SOLE 0 0 0 20,671
AMGEN INC COM 031162100 438 1,760 SH   SOLE 0 0 0 1,760
ABBOTT LABS COM 002824100 1,755 14,646 SH   SOLE 0 0 0 14,646
ALTRIA GROUP INC COM 02209S103 746 14,581 SH   SOLE 0 0 0 14,581
FEDEX CORP COM 31428X106 1,227 4,319 SH   SOLE 0 0 0 4,319
GRAINGER W W INC COM 384802104 666 1,660 SH   SOLE 0 0 0 1,660
INTEL CORP COM 458140100 2,952 46,131 SH   SOLE 0 0 0 46,131
ILLINOIS TOOL WKS INC COM 452308109 393 1,775 SH   SOLE 0 0 0 1,775
ORACLE CORP COM 68389X105 1,061 15,125 SH   SOLE 0 0 0 15,125
DISNEY WALT CO COM 254687106 6,315 34,223 SH   SOLE 0 0 0 34,223
HONEYWELL INTL INC COM 438516106 1,656 7,630 SH   SOLE 0 0 0 7,630
SHERWIN WILLIAMS CO COM 824348106 812 1,100 SH   SOLE 0 0 0 1,100
US BANCORP DEL COM NEW 902973304 243 4,398 SH   SOLE 0 0 0 4,398
JOHNSON & JOHNSON COM 478160104 7,637 46,466 SH   SOLE 0 0 0 46,466
MEDTRONIC PLC SHS G5960L103 609 5,154 SH   SOLE 0 0 0 5,154
PFIZER INC COM 717081103 1,604 44,265 SH   SOLE 0 0 0 44,265
EXELON CORP COM 30161N101 562 12,842 SH   SOLE 0 0 0 12,842
LOWES COS INC COM 548661107 2,437 12,813 SH   SOLE 0 0 0 12,813
CHEVRON CORP NEW COM 166764100 1,269 12,114 SH   SOLE 0 0 0 12,114
MICROSOFT CORP COM 594918104 11,096 47,061 SH   SOLE 0 0 0 47,061
AT&T INC COM 00206R102 783 25,880 SH   SOLE 0 0 0 25,880
PRUDENTIAL FINL INC COM 744320102 687 7,545 SH   SOLE 0 0 0 7,545
TRUIST FINL CORP COM 89832Q109 485 8,317 SH   SOLE 0 0 0 8,317
CITIGROUP INC COM NEW 172967424 369 5,075 SH   SOLE 0 0 0 5,075
CISCO SYS INC COM 17275R102 2,607 50,413 SH   SOLE 0 0 0 50,413
INTERNATIONAL BUSINESS MACHS COM 459200101 682 5,114 SH   SOLE 0 0 0 5,114
COCA COLA CO COM 191216100 1,658 31,457 SH   SOLE 0 0 0 31,457
LOCKHEED MARTIN CORP COM 539830109 600 1,623 SH   SOLE 0 0 0 1,623
PEPSICO INC COM 713448108 4,203 29,710 SH   SOLE 0 0 0 29,710
PPG INDS INC COM 693506107 485 3,230 SH   SOLE 0 0 0 3,230
VERIZON COMMUNICATIONS INC COM 92343V104 2,070 35,592 SH   SOLE 0 0 0 35,592
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100 1,594 20,230 SH   SOLE 0 0 0 20,230
SELECT SECTOR SPDR TR ENERGY 81369Y506 4,025 82,036 SH   SOLE 0 0 0 82,036
SELECT SECTOR SPDR TR SBI INT-FINL 81369Y605 5,783 169,846 SH   SOLE 0 0 0 169,846
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704 4,814 48,900 SH   SOLE 0 0 0 48,900
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 10,982 82,692 SH   SOLE 0 0 0 82,692
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308 4,311 63,115 SH   SOLE 0 0 0 63,115
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 8,653 74,120 SH   SOLE 0 0 0 74,120
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 10,469 62,287 SH   SOLE 0 0 0 62,287
ISHARES TR NASDAQ BIOTECH 464287556 384 2,549 SH   SOLE 0 0 0 2,549
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 1,013 6,887 SH   SOLE 0 0 0 6,887
DEERE & CO COM 244199105 1,057 2,826 SH   SOLE 0 0 0 2,826
BK OF AMERICA CORP COM 060505104 2,702 69,834 SH   SOLE 0 0 0 69,834
STARBUCKS CORP COM 855244109 1,981 18,129 SH   SOLE 0 0 0 18,129
AUTOMATIC DATA PROCESSING IN COM 053015103 794 4,211 SH   SOLE 0 0 0 4,211
EXXON MOBIL CORP COM 30231G102 670 11,999 SH   SOLE 0 0 0 11,999
AFLAC INC COM 001055102 390 7,622 SH   SOLE 0 0 0 7,622
WALMART INC COM 931142103 1,526 11,238 SH   SOLE 0 0 0 11,238
UNION PAC CORP COM 907818108 904 4,103 SH   SOLE 0 0 0 4,103
TEXAS INSTRS INC COM 882508104 279 1,475 SH   SOLE 0 0 0 1,475
TARGET CORP COM 87612E106 1,771 8,939 SH   SOLE 0 0 0 8,939
COLGATE PALMOLIVE CO COM 194162103 1,184 15,023 SH   SOLE 0 0 0 15,023
COSTCO WHSL CORP NEW COM 22160K105 2,554 7,245 SH   SOLE 0 0 0 7,245
LILLY ELI & CO COM 532457108 2,592 13,876 SH   SOLE 0 0 0 13,876
CVS HEALTH CORP COM 126650100 840 11,172 SH   SOLE 0 0 0 11,172
DANAHER CORPORATION COM 235851102 827 3,675 SH   SOLE 0 0 0 3,675
MERCK & CO. INC COM 58933Y105 1,582 20,527 SH   SOLE 0 0 0 20,527
FULTON FINL CORP PA COM 360271100 235 13,793 SH   SOLE 0 0 0 13,793
PROCTER AND GAMBLE CO COM 742718109 5,698 42,075 SH   SOLE 0 0 0 42,075
GENERAL ELECTRIC CO COM 369604103 514 39,162 SH   SOLE 0 0 0 39,162
KIMBERLY-CLARK CORP COM 494368103 2,060 14,818 SH   SOLE 0 0 0 14,818
HOME DEPOT INC COM 437076102 2,026 6,637 SH   SOLE 0 0 0 6,637
MCDONALDS CORP COM 580135101 4,537 20,244 SH   SOLE 0 0 0 20,244
NIKE INC CL B 654106103 4,413 33,211 SH   SOLE 0 0 0 33,211
JPMORGAN CHASE & CO COM 46625H100 2,968 19,496 SH   SOLE 0 0 0 19,496
MONDELEZ INTL INC CL A 609207105 536 9,162 SH   SOLE 0 0 0 9,162
HP INC COM 40434L105 266 8,371 SH   SOLE 0 0 0 8,371
FISERV INC COM 337738108 288 2,422 SH   SOLE 0 0 0 2,422
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 451 1,632 SH   SOLE 0 0 0 1,632
AMERICAN TOWER CORP NEW COM 03027X100 1,432 5,991 SH   SOLE 0 0 0 5,991
CROWN CASTLE INTL CORP NEW COM 22822V101 998 5,800 SH   SOLE 0 0 0 5,800
RAYTHEON TECHNOLOGIES CORP COM 75513E101 810 10,481 SH   SOLE 0 0 0 10,481
INTUIT COM 461202103 718 1,875 SH   SOLE 0 0 0 1,875
3M CO COM 88579Y101 2,456 12,747 SH   SOLE 0 0 0 12,747
COMCAST CORP NEW CL A 20030N101 1,152 21,295 SH   SOLE 0 0 0 21,295
VANGUARD INDEX FDS TOTAL STK MKT 922908769 33,686 162,977 SH   SOLE 0 0 0 162,977
WASTE MGMT INC DEL COM 94106L109 1,331 10,319 SH   SOLE 0 0 0 10,319
NORFOLK SOUTHN CORP COM 655844108 1,988 7,404 SH   SOLE 0 0 0 7,404
NEXTERA ENERGY INC COM 65339F101 1,230 16,264 SH   SOLE 0 0 0 16,264
DUKE ENERGY CORP NEW COM NEW 26441C204 801 8,296 SH   SOLE 0 0 0 8,296
CONSTELLATION BRANDS INC CL A 21036P108 568 2,493 SH   SOLE 0 0 0 2,493
CONOCOPHILLIPS COM 20825C104 451 8,511 SH   SOLE 0 0 0 8,511
CSX CORP COM 126408103 1,736 18,007 SH   SOLE 0 0 0 18,007
APPLE INC COM 037833100 10,964 89,762 SH   SOLE 0 0 0 89,762
ALLIANT ENERGY CORP COM 018802108 472 8,715 SH   SOLE 0 0 0 8,715
CATERPILLAR INC COM 149123101 1,642 7,080 SH   SOLE 0 0 0 7,080
VANGUARD WORLD FDS CONSUM STP ETF 92204A207 1,074 6,025 SH   SOLE 0 0 0 6,025
INTERNATIONAL PAPER CO COM 460146103 364 6,736 SH   SOLE 0 0 0 6,736
PPL CORP COM 69351T106 206 7,147 SH   SOLE 0 0 0 7,147
CHUBB LIMITED COM H1467J104 630 3,985 SH   SOLE 0 0 0 3,985
ECOLAB INC COM 278865100 246 1,150 SH   SOLE 0 0 0 1,150
ISHARES TR EXPANDED TECH 464287515 785 2,300 SH   SOLE 0 0 0 2,300
PUBLIC STORAGE COM 74460D109 936 3,795 SH   SOLE 0 0 0 3,795
AMERICAN EXPRESS CO COM 025816109 666 4,705 SH   SOLE 0 0 0 4,705
GENERAL MLS INC COM 370334104 330 5,383 SH   SOLE 0 0 0 5,383
KELLOGG CO COM 487836108 319 5,043 SH   SOLE 0 0 0 5,043
EASTMAN CHEM CO COM 277432100 535 4,856 SH   SOLE 0 0 0 4,856
KLA CORP COM NEW 482480100 388 1,175 SH   SOLE 0 0 0 1,175
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 1,738 33,386 SH   SOLE 0 0 0 33,386
PAYCHEX INC COM 704326107 330 3,365 SH   SOLE 0 0 0 3,365
NORTHROP GRUMMAN CORP COM 666807102 1,274 3,936 SH   SOLE 0 0 0 3,936
PNC FINL SVCS GROUP INC COM 693475105 408 2,328 SH   SOLE 0 0 0 2,328
NETFLIX INC COM 64110L106 681 1,305 SH   SOLE 0 0 0 1,305
ISHARES TR SELECT DIVID ETF 464287168 1,335 11,703 SH   SOLE 0 0 0 11,703
CLOROX CO DEL COM 189054109 469 2,430 SH   SOLE 0 0 0 2,430
WD-40 CO COM 929236107 337 1,100 SH   SOLE 0 0 0 1,100
AIR PRODS & CHEMS INC COM 009158106 552 1,960 SH   SOLE 0 0 0 1,960
SEI INVTS CO COM 784117103 244 4,000 SH   SOLE 0 0 0 4,000
V F CORP COM 918204108 772 9,660 SH   SOLE 0 0 0 9,660
TRAVELERS COMPANIES INC COM 89417E109 1,721 11,440 SH   SOLE 0 0 0 11,440
AMERICAN ELEC PWR CO INC COM 025537101 597 7,049 SH   SOLE 0 0 0 7,049
MASCO CORP COM 574599106 264 4,400 SH   SOLE 0 0 0 4,400
EATON CORP PLC SHS G29183103 216 1,565 SH   SOLE 0 0 0 1,565
UNITED RENTALS INC COM 911363109 329 1,000 SH   SOLE 0 0 0 1,000
GALLAGHER ARTHUR J & CO COM 363576109 880 7,050 SH   SOLE 0 0 0 7,050
PRICE T ROWE GROUP INC COM 74144T108 801 4,670 SH   SOLE 0 0 0 4,670
STANLEY BLACK & DECKER INC COM 854502101 693 3,473 SH   SOLE 0 0 0 3,473
SNAP ON INC COM 833034101 231 1,000 SH   SOLE 0 0 0 1,000
KANSAS CITY SOUTHERN COM NEW 485170302 350 1,325 SH   SOLE 0 0 0 1,325
CHURCH & DWIGHT INC COM 171340102 279 3,192 SH   SOLE 0 0 0 3,192
CUMMINS INC COM 231021106 2,652 10,236 SH   SOLE 0 0 0 10,236
BECTON DICKINSON & CO COM 075887109 379 1,560 SH   SOLE 0 0 0 1,560
METLIFE INC COM 59156R108 632 10,390 SH   SOLE 0 0 0 10,390
YUM BRANDS INC COM 988498101 1,917 17,723 SH   SOLE 0 0 0 17,723
AMPHENOL CORP NEW CL A 032095101 302 4,580 SH   SOLE 0 0 0 4,580
HAEMONETICS CORP MASS COM 405024100 212 1,911 SH   SOLE 0 0 0 1,911
MICROCHIP TECHNOLOGY INC. COM 595017104 322 2,076 SH   SOLE 0 0 0 2,076
BALL CORP COM 058498106 775 9,150 SH   SOLE 0 0 0 9,150
CINTAS CORP COM 172908105 231 677 SH   SOLE 0 0 0 677
ALPHABET INC CAP STK CL A 02079K305 3,279 1,590 SH   SOLE 0 0 0 1,590
SPDR GOLD TR GOLD SHS 78463V107 439 2,744 SH   SOLE 0 0 0 2,744
VANGUARD WORLD FDS ENERGY ETF 92204A306 1,160 17,053 SH   SOLE 0 0 0 17,053
VANGUARD INDEX FDS VALUE ETF 922908744 1,290 9,814 SH   SOLE 0 0 0 9,814
CELANESE CORP DEL COM 150870103 1,007 6,722 SH   SOLE 0 0 0 6,722
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504 17,394 76,039 SH   SOLE 0 0 0 76,039
VANGUARD INDEX FDS MID CAP ETF 922908629 934 4,221 SH   SOLE 0 0 0 4,221
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 2,796 30,440 SH   SOLE 0 0 0 30,440
VANGUARD WORLD FDS MATERIALS ETF 92204A801 612 3,539 SH   SOLE 0 0 0 3,539
INTUITIVE SURGICAL INC COM NEW 46120E602 369 500 SH   SOLE 0 0 0 500
BLACKROCK INC COM 09247X101 607 805 SH   SOLE 0 0 0 805
INVESCO EXCHANGE TRADED FD T DYNMC BIOTECH 46137V787 259 3,513 SH   SOLE 0 0 0 3,513
VANGUARD INDEX FDS SMALL CP ETF 922908751 18,227 85,143 SH   SOLE 0 0 0 85,143
FASTENAL CO COM 311900104 278 5,538 SH   SOLE 0 0 0 5,538
VANGUARD INDEX FDS GROWTH ETF 922908736 505 1,963 SH   SOLE 0 0 0 1,963
CARMAX INC COM 143130102 203 1,531 SH   SOLE 0 0 0 1,531
MCCORMICK & CO INC COM NON VTG 579780206 1,992 22,346 SH   SOLE 0 0 0 22,346
VANGUARD INDEX FDS SML CP GRW ETF 922908595 325 1,184 SH   SOLE 0 0 0 1,184
OLD DOMINION FREIGHT LINE IN COM 679580100 240 1,000 SH   SOLE 0 0 0 1,000
VANGUARD WORLD FDS FINANCIALS ETF 92204A405 11,615 137,459 SH   SOLE 0 0 0 137,459
PARKER-HANNIFIN CORP COM 701094104 474 1,503 SH   SOLE 0 0 0 1,503
VANGUARD WORLD FDS UTILITIES ETF 92204A876 2,486 17,691 SH   SOLE 0 0 0 17,691
CHURCHILL DOWNS INC COM 171484108 955 4,200 SH   SOLE 0 0 0 4,200
ISHARES GOLD TR ISHARES 464285105 2,293 141,018 SH   SOLE 0 0 0 141,018
SALESFORCE COM INC COM 79466L302 358 1,692 SH   SOLE 0 0 0 1,692
VANGUARD WORLD FDS COMM SRVC ETF 92204A884 3,208 24,672 SH   SOLE 0 0 0 24,672
M & T BK CORP COM 55261F104 258 1,703 SH   SOLE 0 0 0 1,703
ZEBRA TECHNOLOGIES CORPORATI CL A 989207105 485 1,000 SH   SOLE 0 0 0 1,000
VANGUARD WORLD FDS INF TECH ETF 92204A702 41,986 117,119 SH   SOLE 0 0 0 117,119
SPDR SER TR S&P BIOTECH 78464A870 244 1,802 SH   SOLE 0 0 0 1,802
VANGUARD WORLD FDS CONSUM DIS ETF 92204A108 714 2,418 SH   SOLE 0 0 0 2,418
VANGUARD WORLD FDS INDUSTRIAL ETF 92204A603 2,018 10,661 SH   SOLE 0 0 0 10,661
MASTERCARD INCORPORATED CL A 57636Q104 1,325 3,720 SH   SOLE 0 0 0 3,720
SUN CMNTYS INC COM 866674104 2,074 13,826 SH   SOLE 0 0 0 13,826
ISHARES TR CORE S&P TTL STK 464287150 10,146 110,768 SH   SOLE 0 0 0 110,768
VANGUARD INDEX FDS LARGE CAP ETF 922908637 281 1,516 SH   SOLE 0 0 0 1,516
MARTIN MARIETTA MATLS INC COM 573284106 372 1,109 SH   SOLE 0 0 0 1,109
INVESCO EXCHANGE TRADED FD T DIVID ACHIEVEV 46137V506 855 24,710 SH   SOLE 0 0 0 24,710
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 4,851 79,942 SH   SOLE 0 0 0 79,942
INVESCO EXCHANGE TRADED FD T BUYBACK ACHIEV 46137V308 554 6,584 SH   SOLE 0 0 0 6,584
INVESCO EXCHANGE TRADED FD T FINL PFD ETF 46137V621 265 14,043 SH   SOLE 0 0 0 14,043
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 4,502 54,775 SH   SOLE 0 0 0 54,775
VANGUARD BD INDEX FDS INTERMED TERM 921937819 365 4,118 SH   SOLE 0 0 0 4,118
SPDR SER TR PORTFOLIO S&P400 78464A847 5,379 117,541 SH   SOLE 0 0 0 117,541
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 6,970 82,268 SH   SOLE 0 0 0 82,268
BLACKSTONE GROUP INC COM 09260D107 590 7,910 SH   SOLE 0 0 0 7,910
INVESCO EXCHANGE TRADED FD T DYNMC SOFTWARE 46137V639 458 2,942 SH   SOLE 0 0 0 2,942
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 719 14,645 SH   SOLE 0 0 0 14,645
ISHARES TR NATIONAL MUN ETF 464288414 322 2,777 SH   SOLE 0 0 0 2,777
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 344 2,681 SH   SOLE 0 0 0 2,681
MERCADOLIBRE INC COM 58733R102 933 634 SH   SOLE 0 0 0 634
VISA INC COM CL A 92826C839 3,268 15,434 SH   SOLE 0 0 0 15,434
PHILIP MORRIS INTL INC COM 718172109 458 5,161 SH   SOLE 0 0 0 5,161
SPDR SER TR PORTFOLIO S&P500 78464A854 9,788 209,995 SH   SOLE 0 0 0 209,995
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 325 9,197 SH   SOLE 0 0 0 9,197
ISHARES TR GL CLEAN ENE ETF 464288224 382 15,719 SH   SOLE 0 0 0 15,719
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 13,028 133,913 SH   SOLE 0 0 0 133,913
INVESCO ACTIVELY MANAGED ETF ACTIVE US REAL 46090A101 242 2,588 SH   SOLE 0 0 0 2,588
BROADCOM INC COM 11135F101 489 1,055 SH   SOLE 0 0 0 1,055
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 1,484 14,565 SH   SOLE 0 0 0 14,565
ISHARES TR RUS TP200 VL ETF 464289420 250 3,931 SH   SOLE 0 0 0 3,931
ISHARES TR RUS TP200 GR ETF 464289438 244 1,810 SH   SOLE 0 0 0 1,810
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 23,349 241,430 SH   SOLE 0 0 0 241,430
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 5,711 151,799 SH   SOLE 0 0 0 151,799
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 9,389 97,770 SH   SOLE 0 0 0 97,770
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 9,045 109,635 SH   SOLE 0 0 0 109,635
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 2,296 23,034 SH   SOLE 0 0 0 23,034
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 6,089 90,571 SH   SOLE 0 0 0 90,571
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 935 15,204 SH   SOLE 0 0 0 15,204
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 2,856 89,867 SH   SOLE 0 0 0 89,867
SPDR SER TR PORTFLI MORTGAGE 78464A383 379 14,611 SH   SOLE 0 0 0 14,611
TESLA INC COM 88160R101 1,106 1,655 SH   SOLE 0 0 0 1,655
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 1,559 4,279 SH   SOLE 0 0 0 4,279
SHOPIFY INC CL A 82509L107 339 306 SH   SOLE 0 0 0 306
ISHARES TR 0-5 YR TIPS ETF 46429B747 211 2,000 SH   SOLE 0 0 0 2,000
SCHWAB STRATEGIC TR US REIT ETF 808524847 936 22,789 SH   SOLE 0 0 0 22,789
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 1,345 18,074 SH   SOLE 0 0 0 18,074
VANGUARD STAR FDS VG TL INTL STK F 921909768 15,293 243,915 SH   SOLE 0 0 0 243,915
ISHARES TR CORE HIGH DV ETF 46429B663 322 3,395 SH   SOLE 0 0 0 3,395
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 837 15,520 SH   SOLE 0 0 0 15,520
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 2,273 31,177 SH   SOLE 0 0 0 31,177
ISHARES TR MSCI USA MIN VOL 46429B697 713 10,304 SH   SOLE 0 0 0 10,304
PHILLIPS 66 COM 718546104 362 4,444 SH   SOLE 0 0 0 4,444
PIMCO ETF TR ACTIVE BD ETF 72201R775 571 5,218 SH   SOLE 0 0 0 5,218
FACEBOOK INC CL A 30303M102 1,918 6,511 SH   SOLE 0 0 0 6,511
SERVICENOW INC COM 81762P102 453 905 SH   SOLE 0 0 0 905
ISHARES INC CORE MSCI EMKT 46434G103 5,589 86,836 SH   SOLE 0 0 0 86,836
ISHARES TR CORE MSCI TOTAL 46432F834 3,714 52,848 SH   SOLE 0 0 0 52,848
ISHARES TR CORE MSCI EAFE 46432F842 7,024 97,484 SH   SOLE 0 0 0 97,484
ABBVIE INC COM 00287Y109 1,163 10,749 SH   SOLE 0 0 0 10,749
ISHARES TR MSCI USA MMENTM 46432F396 526 3,271 SH   SOLE 0 0 0 3,271
ISHARES TR MSCI USA QLT FCT 46432F339 773 6,344 SH   SOLE 0 0 0 6,344
FIDELITY COVINGTON TRUST MSCI HLTH CARE I 316092600 328 5,558 SH   SOLE 0 0 0 5,558
FIDELITY COVINGTON TRUST MSCI UTILS INDEX 316092865 244 5,890 SH   SOLE 0 0 0 5,890
FIDELITY COVINGTON TRUST MSCI INFO TECH I 316092808 265 2,506 SH   SOLE 0 0 0 2,506
SPDR SER TR PORTFOLIO S&P600 78468R853 5,716 135,232 SH   SOLE 0 0 0 135,232
ALPHABET INC CAP STK CL C 02079K107 1,872 905 SH   SOLE 0 0 0 905
ISHARES TR CORE DIV GRWTH 46434V621 1,303 26,985 SH   SOLE 0 0 0 26,985
ALIBABA GROUP HLDG LTD SPONSORED ADS 01609W102 430 1,896 SH   SOLE 0 0 0 1,896
FIDELITY COVINGTON TRUST TOTAL BD ETF 316188309 4,426 84,446 SH   SOLE 0 0 0 84,446
PAYPAL HLDGS INC COM 70450Y103 830 3,417 SH   SOLE 0 0 0 3,417
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 1,321 24,176 SH   SOLE 0 0 0 24,176
GOLDMAN SACHS ETF TR ACTIVEBETA US LG 381430503 1,010 12,769 SH   SOLE 0 0 0 12,769
SELECT SECTOR SPDR TR RL EST SEL SEC 81369Y860 2,734 69,230 SH   SOLE 0 0 0 69,230
YUM CHINA HLDGS INC COM 98850P109 488 8,239 SH   SOLE 0 0 0 8,239
GLOBAL X FDS US INFR DEV ETF 37954Y673 256 10,200 SH   SOLE 0 0 0 10,200
ISHARES TR ESG AWR MSCI USA 46435G425 876 9,644 SH   SOLE 0 0 0 9,644
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852 10,333 140,929 SH   SOLE 0 0 0 140,929
PELOTON INTERACTIVE INC CL A COM 70614W100 339 3,012 SH   SOLE 0 0 0 3,012
CARRIER GLOBAL CORPORATION COM 14448C104 276 6,541 SH   SOLE 0 0 0 6,541
OTIS WORLDWIDE CORP COM 68902V107 222 3,243 SH   SOLE 0 0 0 3,243
PALANTIR TECHNOLOGIES INC CL A 69608A108 868 37,250 SH   SOLE 0 0 0 37,250