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 645 1,907 SH   SOLE 0 0 0 1,907
ISHARES INC MSCI JPN ETF NEW 46434G822 2,086 29,696 SH   SOLE 0 0 0 29,696
ISHARES INC MSCI EURZONE ETF 464286608 2,399 49,858 SH   SOLE 0 0 0 49,858
ISHARES TR CORE S&P MCP ETF 464287507 1,537 5,841 SH   SOLE 0 0 0 5,841
ISHARES TR CORE S&P SCP ETF 464287804 3,058 28,002 SH   SOLE 0 0 0 28,002
ISHARES TR S&P 500 VAL ETF 464287408 472 3,245 SH   SOLE 0 0 0 3,245
ISHARES TR CORE S&P500 ETF 464287200 4,246 9,857 SH   SOLE 0 0 0 9,857
ISHARES TR S&P 500 GRWT ETF 464287309 486 6,575 SH   SOLE 0 0 0 6,575
ISHARES TR RUSSELL 3000 ETF 464287689 280 1,098 SH   SOLE 0 0 0 1,098
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 304 633 SH   SOLE 0 0 0 633
SPDR S&P 500 ETF TR TR UNIT 78462F103 8,600 20,041 SH   SOLE 0 0 0 20,041
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886 2,445 38,281 SH   SOLE 0 0 0 38,281
AGILENT TECHNOLOGIES INC COM 00846U101 337 2,138 SH   SOLE 0 0 0 2,138
AMAZON COM INC COM 023135106 4,087 1,244 SH   SOLE 0 0 0 1,244
BRISTOL-MYERS SQUIBB CO COM 110122108 1,045 17,655 SH   SOLE 0 0 0 17,655
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 5,103 18,697 SH   SOLE 0 0 0 18,697
EMERSON ELEC CO COM 291011104 556 5,905 SH   SOLE 0 0 0 5,905
BOEING CO COM 097023105 1,086 4,936 SH   SOLE 0 0 0 4,936
HERSHEY CO COM 427866108 618 3,649 SH   SOLE 0 0 0 3,649
INVESCO QQQ TR UNIT SER 1 46090E103 5,674 15,851 SH   SOLE 0 0 0 15,851
AMGEN INC COM 031162100 375 1,766 SH   SOLE 0 0 0 1,766
ABBOTT LABS COM 002824100 1,613 13,651 SH   SOLE 0 0 0 13,651
ALTRIA GROUP INC COM 02209S103 686 15,076 SH   SOLE 0 0 0 15,076
FEDEX CORP COM 31428X106 946 4,316 SH   SOLE 0 0 0 4,316
GRAINGER W W INC COM 384802104 652 1,660 SH   SOLE 0 0 0 1,660
INTEL CORP COM 458140100 2,087 39,171 SH   SOLE 0 0 0 39,171
ILLINOIS TOOL WKS INC COM 452308109 437 2,115 SH   SOLE 0 0 0 2,115
ORACLE CORP COM 68389X105 1,100 12,624 SH   SOLE 0 0 0 12,624
DISNEY WALT CO COM 254687106 5,856 34,617 SH   SOLE 0 0 0 34,617
HONEYWELL INTL INC COM 438516106 1,570 7,397 SH   SOLE 0 0 0 7,397
SHERWIN WILLIAMS CO COM 824348106 923 3,300 SH   SOLE 0 0 0 3,300
US BANCORP DEL COM NEW 902973304 254 4,276 SH   SOLE 0 0 0 4,276
JOHNSON & JOHNSON COM 478160104 7,341 45,456 SH   SOLE 0 0 0 45,456
MEDTRONIC PLC SHS G5960L103 444 3,544 SH   SOLE 0 0 0 3,544
PFIZER INC COM 717081103 1,800 41,852 SH   SOLE 0 0 0 41,852
EXELON CORP COM 30161N101 585 12,104 SH   SOLE 0 0 0 12,104
LOWES COS INC COM 548661107 2,576 12,699 SH   SOLE 0 0 0 12,699
CHEVRON CORP NEW COM 166764100 1,258 12,405 SH   SOLE 0 0 0 12,405
MICROSOFT CORP COM 594918104 13,130 46,572 SH   SOLE 0 0 0 46,572
ISHARES INC MSCI PAC JP ETF 464286665 1,127 23,094 SH   SOLE 0 0 0 23,094
UNITED PARCEL SERVICE INC CL B 911312106 201 1,106 SH   SOLE 0 0 0 1,106
AT&T INC COM 00206R102 510 18,882 SH   SOLE 0 0 0 18,882
PRUDENTIAL FINL INC COM 744320102 865 8,225 SH   SOLE 0 0 0 8,225
TRUIST FINL CORP COM 89832Q109 745 12,708 SH   SOLE 0 0 0 12,708
CITIGROUP INC COM NEW 172967424 360 5,135 SH   SOLE 0 0 0 5,135
CISCO SYS INC COM 17275R102 2,801 51,452 SH   SOLE 0 0 0 51,452
INTERNATIONAL BUSINESS MACHS COM 459200101 746 5,372 SH   SOLE 0 0 0 5,372
COCA COLA CO COM 191216100 1,499 28,564 SH   SOLE 0 0 0 28,564
LOCKHEED MARTIN CORP COM 539830109 527 1,528 SH   SOLE 0 0 0 1,528
PEPSICO INC COM 713448108 4,336 28,827 SH   SOLE 0 0 0 28,827
PPG INDS INC COM 693506107 407 2,848 SH   SOLE 0 0 0 2,848
VERIZON COMMUNICATIONS INC COM 92343V104 1,924 35,625 SH   SOLE 0 0 0 35,625
ISHARES INC MSCI GERMANY ETF 464286806 1,550 47,097 SH   SOLE 0 0 0 47,097
ISHARES TR U.S. TECH ETF 464287721 2,015 19,899 SH   SOLE 0 0 0 19,899
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100 2,804 35,441 SH   SOLE 0 0 0 35,441
SELECT SECTOR SPDR TR ENERGY 81369Y506 6,910 132,658 SH   SOLE 0 0 0 132,658
SELECT SECTOR SPDR TR FINANCIAL 81369Y605 9,815 261,515 SH   SOLE 0 0 0 261,515
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704 7,793 79,647 SH   SOLE 0 0 0 79,647
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 20,191 135,220 SH   SOLE 0 0 0 135,220
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308 5,459 79,295 SH   SOLE 0 0 0 79,295
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 11,197 87,958 SH   SOLE 0 0 0 87,958
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 16,101 89,726 SH   SOLE 0 0 0 89,726
ISHARES TR ISHARES BIOTECH 464287556 400 2,474 SH   SOLE 0 0 0 2,474
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 1,064 6,924 SH   SOLE 0 0 0 6,924
DEERE & CO COM 244199105 944 2,817 SH   SOLE 0 0 0 2,817
BK OF AMERICA CORP COM 060505104 2,941 69,291 SH   SOLE 0 0 0 69,291
STARBUCKS CORP COM 855244109 1,940 17,586 SH   SOLE 0 0 0 17,586
AUTOMATIC DATA PROCESSING IN COM 053015103 820 4,101 SH   SOLE 0 0 0 4,101
EXXON MOBIL CORP COM 30231G102 554 9,419 SH   SOLE 0 0 0 9,419
AFLAC INC COM 001055102 374 7,172 SH   SOLE 0 0 0 7,172
WALMART INC COM 931142103 1,539 11,040 SH   SOLE 0 0 0 11,040
UNION PAC CORP COM 907818108 805 4,105 SH   SOLE 0 0 0 4,105
TEXAS INSTRS INC COM 882508104 302 1,573 SH   SOLE 0 0 0 1,573
TARGET CORP COM 87612E106 2,024 8,847 SH   SOLE 0 0 0 8,847
COLGATE PALMOLIVE CO COM 194162103 1,038 13,728 SH   SOLE 0 0 0 13,728
COSTCO WHSL CORP NEW COM 22160K105 3,058 6,804 SH   SOLE 0 0 0 6,804
LILLY ELI & CO COM 532457108 3,115 13,483 SH   SOLE 0 0 0 13,483
CVS HEALTH CORP COM 126650100 944 11,127 SH   SOLE 0 0 0 11,127
QUEST DIAGNOSTICS INC COM 74834L100 203 1,400 SH   SOLE 0 0 0 1,400
DANAHER CORPORATION COM 235851102 1,116 3,665 SH   SOLE 0 0 0 3,665
MERCK & CO INC COM 58933Y105 1,559 20,757 SH   SOLE 0 0 0 20,757
PROCTER AND GAMBLE CO COM 742718109 5,843 41,794 SH   SOLE 0 0 0 41,794
GENERAL ELECTRIC CO COM NEW 369604301 422 4,093 SH   SOLE 0 0 0 4,093
KIMBERLY-CLARK CORP COM 494368103 1,823 13,762 SH   SOLE 0 0 0 13,762
HOME DEPOT INC COM 437076102 2,098 6,390 SH   SOLE 0 0 0 6,390
MCDONALDS CORP COM 580135101 4,856 20,139 SH   SOLE 0 0 0 20,139
NIKE INC CL B 654106103 4,700 32,362 SH   SOLE 0 0 0 32,362
JPMORGAN CHASE & CO COM 46625H100 2,612 15,958 SH   SOLE 0 0 0 15,958
MONDELEZ INTL INC CL A 609207105 516 8,869 SH   SOLE 0 0 0 8,869
ISHARES TR BARCLAYS 7 10 YR 464287440 1,787 15,507 SH   SOLE 0 0 0 15,507
ISHARES TR 20 YR TR BD ETF 464287432 2,356 16,323 SH   SOLE 0 0 0 16,323
FISERV INC COM 337738108 263 2,422 SH   SOLE 0 0 0 2,422
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 514 1,605 SH   SOLE 0 0 0 1,605
AMERICAN TOWER CORP NEW COM 03027X100 1,502 5,657 SH   SOLE 0 0 0 5,657
CROWN CASTLE INTL CORP NEW COM 22822V101 951 5,485 SH   SOLE 0 0 0 5,485
RAYTHEON TECHNOLOGIES CORP COM 75513E101 866 10,079 SH   SOLE 0 0 0 10,079
INTUIT COM 461202103 979 1,815 SH   SOLE 0 0 0 1,815
3M CO COM 88579Y101 2,183 12,444 SH   SOLE 0 0 0 12,444
COMCAST CORP NEW CL A 20030N101 1,057 18,901 SH   SOLE 0 0 0 18,901
VANGUARD INDEX FDS TOTAL STK MKT 922908769 36,548 164,585 SH   SOLE 0 0 0 164,585
WASTE MGMT INC DEL COM 94106L109 1,519 10,171 SH   SOLE 0 0 0 10,171
TEXTRON INC COM 883203101 228 3,270 SH   SOLE 0 0 0 3,270
NORFOLK SOUTHN CORP COM 655844108 1,727 7,219 SH   SOLE 0 0 0 7,219
NEXTERA ENERGY INC COM 65339F101 1,256 15,999 SH   SOLE 0 0 0 15,999
DUKE ENERGY CORP NEW COM NEW 26441C204 752 7,707 SH   SOLE 0 0 0 7,707
CONSTELLATION BRANDS INC CL A 21036P108 489 2,322 SH   SOLE 0 0 0 2,322
CONOCOPHILLIPS COM 20825C104 571 8,427 SH   SOLE 0 0 0 8,427
CSX CORP COM 126408103 1,603 53,888 SH   SOLE 0 0 0 53,888
APPLE INC COM 037833100 11,340 80,144 SH   SOLE 0 0 0 80,144
ALLIANT ENERGY CORP COM 018802108 488 8,724 SH   SOLE 0 0 0 8,724
CATERPILLAR INC COM 149123101 1,351 7,036 SH   SOLE 0 0 0 7,036
VANGUARD WORLD FDS CONSUM STP ETF 92204A207 1,092 6,095 SH   SOLE 0 0 0 6,095
INTERNATIONAL PAPER CO COM 460146103 341 6,104 SH   SOLE 0 0 0 6,104
CHUBB LIMITED COM H1467J104 682 3,930 SH   SOLE 0 0 0 3,930
ECOLAB INC COM 278865100 240 1,150 SH   SOLE 0 0 0 1,150
ISHARES TR ISHARES SEMICDTR 464287523 1,624 3,643 SH   SOLE 0 0 0 3,643
ISHARES TR EXPANDED TECH 464287515 918 2,300 SH   SOLE 0 0 0 2,300
PUBLIC STORAGE COM 74460D109 1,127 3,795 SH   SOLE 0 0 0 3,795
AMERICAN EXPRESS CO COM 025816109 780 4,658 SH   SOLE 0 0 0 4,658
GENERAL MLS INC COM 370334104 292 4,886 SH   SOLE 0 0 0 4,886
KELLOGG CO COM 487836108 316 4,943 SH   SOLE 0 0 0 4,943
EASTMAN CHEM CO COM 277432100 488 4,844 SH   SOLE 0 0 0 4,844
KLA CORP COM NEW 482480100 309 925 SH   SOLE 0 0 0 925
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 1,661 33,222 SH   SOLE 0 0 0 33,222
PAYCHEX INC COM 704326107 362 3,218 SH   SOLE 0 0 0 3,218
NORTHROP GRUMMAN CORP COM 666807102 1,348 3,742 SH   SOLE 0 0 0 3,742
PNC FINL SVCS GROUP INC COM 693475105 455 2,328 SH   SOLE 0 0 0 2,328
NETFLIX INC COM 64110L106 750 1,229 SH   SOLE 0 0 0 1,229
ISHARES TR CORE US AGGBD ET 464287226 251 2,186 SH   SOLE 0 0 0 2,186
ISHARES TR SELECT DIVID ETF 464287168 1,344 11,718 SH   SOLE 0 0 0 11,718
CLOROX CO DEL COM 189054109 475 2,867 SH   SOLE 0 0 0 2,867
WD 40 CO COM 929236107 255 1,100 SH   SOLE 0 0 0 1,100
AIR PRODS & CHEMS INC COM 009158106 491 1,916 SH   SOLE 0 0 0 1,916
SEI INVTS CO COM 784117103 237 4,000 SH   SOLE 0 0 0 4,000
V F CORP COM 918204108 627 9,360 SH   SOLE 0 0 0 9,360
TRAVELERS COMPANIES INC COM 89417E109 1,658 10,907 SH   SOLE 0 0 0 10,907
AMERICAN ELEC PWR CO INC COM 025537101 569 7,003 SH   SOLE 0 0 0 7,003
MASCO CORP COM 574599106 244 4,400 SH   SOLE 0 0 0 4,400
EATON CORP PLC SHS G29183103 211 1,415 SH   SOLE 0 0 0 1,415
UNITED RENTALS INC COM 911363109 351 1,000 SH   SOLE 0 0 0 1,000
GALLAGHER ARTHUR J & CO COM 363576109 1,048 7,050 SH   SOLE 0 0 0 7,050
PRICE T ROWE GROUP INC COM 74144T108 919 4,670 SH   SOLE 0 0 0 4,670
STANLEY BLACK & DECKER INC COM 854502101 609 3,475 SH   SOLE 0 0 0 3,475
SNAP ON INC COM 833034101 209 1,000 SH   SOLE 0 0 0 1,000
KANSAS CITY SOUTHERN COM NEW 485170302 352 1,301 SH   SOLE 0 0 0 1,301
CHURCH & DWIGHT INC COM 171340102 228 2,766 SH   SOLE 0 0 0 2,766
CUMMINS INC COM 231021106 2,298 10,233 SH   SOLE 0 0 0 10,233
BECTON DICKINSON & CO COM 075887109 377 1,535 SH   SOLE 0 0 0 1,535
METLIFE INC COM 59156R108 683 11,070 SH   SOLE 0 0 0 11,070
YUM BRANDS INC COM 988498101 2,138 17,482 SH   SOLE 0 0 0 17,482
AMPHENOL CORP NEW CL A 032095101 335 4,580 SH   SOLE 0 0 0 4,580
MICROCHIP TECHNOLOGY INC. COM 595017104 315 2,052 SH   SOLE 0 0 0 2,052
CINTAS CORP COM 172908105 258 677 SH   SOLE 0 0 0 677
ALPHABET INC CAP STK CL A 02079K305 4,179 1,563 SH   SOLE 0 0 0 1,563
SPDR GOLD TR GOLD SHS 78463V107 295 1,794 SH   SOLE 0 0 0 1,794
VANGUARD WORLD FDS ENERGY ETF 92204A306 1,325 17,931 SH   SOLE 0 0 0 17,931
VANGUARD INDEX FDS VALUE ETF 922908744 1,568 11,584 SH   SOLE 0 0 0 11,584
CELANESE CORP DEL COM 150870103 1,000 6,636 SH   SOLE 0 0 0 6,636
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504 19,207 77,712 SH   SOLE 0 0 0 77,712
VANGUARD INDEX FDS MID CAP ETF 922908629 1,000 4,223 SH   SOLE 0 0 0 4,223
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 3,483 34,224 SH   SOLE 0 0 0 34,224
VANGUARD WORLD FDS MATERIALS ETF 92204A801 703 4,057 SH   SOLE 0 0 0 4,057
BLACKROCK INC COM 09247X101 231 275 SH   SOLE 0 0 0 275
INVESCO EXCHANGE TRADED FD T DYNMC BIOTECH 46137V787 263 3,513 SH   SOLE 0 0 0 3,513
VANGUARD INDEX FDS SMALL CP ETF 922908751 19,653 89,877 SH   SOLE 0 0 0 89,877
FASTENAL CO COM 311900104 229 4,438 SH   SOLE 0 0 0 4,438
VANGUARD INDEX FDS GROWTH ETF 922908736 613 2,113 SH   SOLE 0 0 0 2,113
MCCORMICK & CO INC COM NON VTG 579780206 1,737 21,432 SH   SOLE 0 0 0 21,432
VANGUARD INDEX FDS SML CP GRW ETF 922908595 332 1,184 SH   SOLE 0 0 0 1,184
OLD DOMINION FREIGHT LINE IN COM 679580100 286 1,000 SH   SOLE 0 0 0 1,000
VANGUARD WORLD FDS FINANCIALS ETF 92204A405 12,173 131,384 SH   SOLE 0 0 0 131,384
PARKER-HANNIFIN CORP COM 701094104 420 1,503 SH   SOLE 0 0 0 1,503
VANGUARD WORLD FDS UTILITIES ETF 92204A876 2,453 17,632 SH   SOLE 0 0 0 17,632
CHURCHILL DOWNS INC COM 171484108 1,008 4,200 SH   SOLE 0 0 0 4,200
ISHARES GOLD TR ISHARES NEW 464285204 2,258 67,572 SH   SOLE 0 0 0 67,572
SALESFORCE COM INC COM 79466L302 369 1,362 SH   SOLE 0 0 0 1,362
VANGUARD WORLD FDS COMM SRVC ETF 92204A884 3,469 24,644 SH   SOLE 0 0 0 24,644
M & T BK CORP COM 55261F104 252 1,688 SH   SOLE 0 0 0 1,688
INVESCO EXCHANGE TRADED FD T DYNMC LEISURE 46137V720 875 17,384 SH   SOLE 0 0 0 17,384
ZEBRA TECHNOLOGIES CORPORATI CL A 989207105 515 1,000 SH   SOLE 0 0 0 1,000
VANGUARD WORLD FDS INF TECH ETF 92204A702 45,644 113,744 SH   SOLE 0 0 0 113,744
SPDR SER TR S&P BIOTECH 78464A870 241 1,913 SH   SOLE 0 0 0 1,913
VANGUARD WORLD FDS CONSUM DIS ETF 92204A108 850 2,743 SH   SOLE 0 0 0 2,743
VANGUARD WORLD FDS INDUSTRIAL ETF 92204A603 2,499 13,299 SH   SOLE 0 0 0 13,299
VANECK ETF TRUST GOLD MINERS ETF 92189F106 293 9,932 SH   SOLE 0 0 0 9,932
BARCLAYS BANK PLC DJUBS CMDT ETN36 06738C778 227 7,774 SH   SOLE 0 0 0 7,774
MASTERCARD INCORPORATED CL A 57636Q104 494 1,420 SH   SOLE 0 0 0 1,420
EQUINIX INC COM 29444U700 209 265 SH   SOLE 0 0 0 265
ISHARES TR U.S. MED DVC ETF 464288810 1,271 20,248 SH   SOLE 0 0 0 20,248
SUN CMNTYS INC COM 866674104 2,663 14,389 SH   SOLE 0 0 0 14,389
EXTRA SPACE STORAGE INC COM 30225T102 208 1,236 SH   SOLE 0 0 0 1,236
ISHARES TR CORE S&P TTL STK 464287150 11,090 112,729 SH   SOLE 0 0 0 112,729
VANGUARD INDEX FDS LARGE CAP ETF 922908637 305 1,518 SH   SOLE 0 0 0 1,518
MARTIN MARIETTA MATLS INC COM 573284106 380 1,112 SH   SOLE 0 0 0 1,112
SPDR SER TR S&P BK ETF 78464A797 1,713 32,368 SH   SOLE 0 0 0 32,368
INVESCO EXCHANGE TRADED FD T DIVID ACHIEVEV 46137V506 647 17,997 SH   SOLE 0 0 0 17,997
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 4,859 79,709 SH   SOLE 0 0 0 79,709
INVESCO EXCHANGE TRADED FD T BUYBACK ACHIEV 46137V308 475 5,270 SH   SOLE 0 0 0 5,270
INVESCO EXCHANGE TRADED FD T FINL PFD ETF 46137V621 247 13,018 SH   SOLE 0 0 0 13,018
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 6,843 83,510 SH   SOLE 0 0 0 83,510
VANGUARD BD INDEX FDS INTERMED TERM 921937819 684 7,644 SH   SOLE 0 0 0 7,644
SPDR SER TR PORTFOLIO S&P400 78464A847 6,101 132,179 SH   SOLE 0 0 0 132,179
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 10,379 121,465 SH   SOLE 0 0 0 121,465
BLACKSTONE INC COM 09260D107 871 7,483 SH   SOLE 0 0 0 7,483
INVESCO EXCHANGE TRADED FD T DYNMC SOFTWARE 46137V639 416 2,892 SH   SOLE 0 0 0 2,892
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 745 14,765 SH   SOLE 0 0 0 14,765
ISHARES TR NATIONAL MUN ETF 464288414 1,246 10,722 SH   SOLE 0 0 0 10,722
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 358 2,675 SH   SOLE 0 0 0 2,675
MERCADOLIBRE INC COM 58733R102 892 531 SH   SOLE 0 0 0 531
VISA INC COM CL A 92826C839 2,909 13,058 SH   SOLE 0 0 0 13,058
PHILIP MORRIS INTL INC COM 718172109 480 5,063 SH   SOLE 0 0 0 5,063
SPDR SER TR PORTFOLIO S&P500 78464A854 11,584 229,566 SH   SOLE 0 0 0 229,566
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 378 10,434 SH   SOLE 0 0 0 10,434
ISHARES TR GL CLEAN ENE ETF 464288224 422 19,474 SH   SOLE 0 0 0 19,474
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 13,225 129,871 SH   SOLE 0 0 0 129,871
ISHARES TR SHRT NAT MUN ETF 464288158 498 4,625 SH   SOLE 0 0 0 4,625
BROADCOM INC COM 11135F101 512 1,056 SH   SOLE 0 0 0 1,056
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 1,916 18,799 SH   SOLE 0 0 0 18,799
ISHARES TR RUS TP200 VL ETF 464289420 258 3,931 SH   SOLE 0 0 0 3,931
ISHARES TR RUS TP200 GR ETF 464289438 276 1,810 SH   SOLE 0 0 0 1,810
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 25,068 241,361 SH   SOLE 0 0 0 241,361
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 6,462 166,981 SH   SOLE 0 0 0 166,981
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 11,314 108,761 SH   SOLE 0 0 0 108,761
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 11,058 134,180 SH   SOLE 0 0 0 134,180
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 2,664 26,613 SH   SOLE 0 0 0 26,613
GLOBAL X FDS MSCI CHINA CNSMR 37950E408 204 7,290 SH   SOLE 0 0 0 7,290
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 6,021 89,129 SH   SOLE 0 0 0 89,129
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 1,531 24,936 SH   SOLE 0 0 0 24,936
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 3,188 104,586 SH   SOLE 0 0 0 104,586
SPDR SER TR PORTFLI MORTGAGE 78464A383 620 24,096 SH   SOLE 0 0 0 24,096
TESLA INC COM 88160R101 1,332 1,718 SH   SOLE 0 0 0 1,718
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 319 6,239 SH   SOLE 0 0 0 6,239
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 1,639 4,155 SH   SOLE 0 0 0 4,155
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 1,058 23,166 SH   SOLE 0 0 0 23,166
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 1,553 20,259 SH   SOLE 0 0 0 20,259
VANGUARD STAR FDS VG TL INTL STK F 921909768 18,106 286,210 SH   SOLE 0 0 0 286,210
ISHARES TR CORE HIGH DV ETF 46429B663 322 3,415 SH   SOLE 0 0 0 3,415
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354 201 3,305 SH   SOLE 0 0 0 3,305
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 1,295 23,870 SH   SOLE 0 0 0 23,870
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 2,398 32,296 SH   SOLE 0 0 0 32,296
ISHARES TR MSCI USA MIN VOL 46429B697 822 11,180 SH   SOLE 0 0 0 11,180
PHILLIPS 66 COM 718546104 269 3,845 SH   SOLE 0 0 0 3,845
PIMCO ETF TR ACTIVE BD ETF 72201R775 851 7,700 SH   SOLE 0 0 0 7,700
FACEBOOK INC CL A 30303M102 2,098 6,181 SH   SOLE 0 0 0 6,181
SERVICENOW INC COM 81762P102 563 905 SH   SOLE 0 0 0 905
ISHARES INC CORE MSCI EMKT 46434G103 5,768 93,395 SH   SOLE 0 0 0 93,395
ISHARES TR CORE MSCI TOTAL 46432F834 3,924 55,264 SH   SOLE 0 0 0 55,264
ISHARES TR CORE MSCI EAFE 46432F842 9,633 129,736 SH   SOLE 0 0 0 129,736
RH COM 74967X103 214 321 SH   SOLE 0 0 0 321
ABBVIE INC COM 00287Y109 1,132 10,498 SH   SOLE 0 0 0 10,498
SSGA ACTIVE ETF TR BLACKSTONE SENR 78467V608 1,905 41,404 SH   SOLE 0 0 0 41,404
ISHARES TR MSCI USA MMENTM 46432F396 493 2,808 SH   SOLE 0 0 0 2,808
ISHARES TR MSCI USA QLT FCT 46432F339 888 6,741 SH   SOLE 0 0 0 6,741
FIDELITY COVINGTON TRUST MSCI HLTH CARE I 316092600 355 5,558 SH   SOLE 0 0 0 5,558
FIDELITY COVINGTON TRUST MSCI UTILS INDEX 316092865 262 6,370 SH   SOLE 0 0 0 6,370
FIDELITY COVINGTON TRUST MSCI INFO TECH I 316092808 297 2,506 SH   SOLE 0 0 0 2,506
SPDR SER TR PORTFOLIO S&P600 78468R853 8,157 191,469 SH   SOLE 0 0 0 191,469
FIDELITY COVINGTON TRUST MSCI FINLS IDX 316092501 893 16,641 SH   SOLE 0 0 0 16,641
ALPHABET INC CAP STK CL C 02079K107 2,306 865 SH   SOLE 0 0 0 865
FIRST TR EXCH TRADED FD III MANAGD MUN ETF 33739N108 1,806 31,807 SH   SOLE 0 0 0 31,807
ISHARES TR CORE DIV GRWTH 46434V621 1,591 31,661 SH   SOLE 0 0 0 31,661
ALIBABA GROUP HLDG LTD SPONSORED ADS 01609W102 206 1,390 SH   SOLE 0 0 0 1,390
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309 6,089 114,598 SH   SOLE 0 0 0 114,598
PAYPAL HLDGS INC COM 70450Y103 784 3,012 SH   SOLE 0 0 0 3,012
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 2,403 43,878 SH   SOLE 0 0 0 43,878
GOLDMAN SACHS ETF TR ACTIVEBETA US LG 381430503 1,108 12,879 SH   SOLE 0 0 0 12,879
SELECT SECTOR SPDR TR RL EST SEL SEC 81369Y860 3,077 69,228 SH   SOLE 0 0 0 69,228
SPDR SER TR PRTFLO S&P500 HI 78468R788 228 5,838 SH   SOLE 0 0 0 5,838
INVESCO ACTIVELY MANAGED ETF TOTAL RETURN 46090A804 672 11,839 SH   SOLE 0 0 0 11,839
YUM CHINA HLDGS INC COM 98850P109 479 8,238 SH   SOLE 0 0 0 8,238
GLOBAL X FDS US INFR DEV ETF 37954Y673 2,584 101,683 SH   SOLE 0 0 0 101,683
ISHARES TR ESG AWR MSCI USA 46435G425 989 10,040 SH   SOLE 0 0 0 10,040
J P MORGAN EXCHANGE-TRADED F ULTRA SHRT INC 46641Q837 947 18,671 SH   SOLE 0 0 0 18,671
GRANITESHARES ETF TR BBG COMMD K 1 38747R108 3,174 105,445 SH   SOLE 0 0 0 105,445
FRANKLIN TEMPLETON ETF TR FTSE JAPAN ETF 35473P744 290 9,375 SH   SOLE 0 0 0 9,375
FRANKLIN TEMPLETON ETF TR FTSE UNTD KGDM 35473P678 1,549 63,153 SH   SOLE 0 0 0 63,153
VANGUARD WELLINGTON FD US VALUE FACTR 921935805 793 8,016 SH   SOLE 0 0 0 8,016
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852 14,341 179,015 SH   SOLE 0 0 0 179,015
WORLD GOLD TR SPDR GLD MINIS 98149E204 1,700 97,383 SH   SOLE 0 0 0 97,383
JANUS DETROIT STR TR HENDERSON MTG 47103U852 2,985 56,153 SH   SOLE 0 0 0 56,153
CARRIER GLOBAL CORPORATION COM 14448C104 337 6,509 SH   SOLE 0 0 0 6,509
OTIS WORLDWIDE CORP COM 68902V107 259 3,152 SH   SOLE 0 0 0 3,152
PALANTIR TECHNOLOGIES INC CL A 69608A108 920 38,250 SH   SOLE 0 0 0 38,250
INVESCO EXCH TRADED FD TR II NASDAQ 100 ETF 46138G649 3,768 25,612 SH   SOLE 0 0 0 25,612
JANUS DETROIT STR TR HENDRSON AAA CL 47103U845 948 18,768 SH   SOLE 0 0 0 18,768
VANGUARD BD INDEX FDS VANGUARD ULTRA 92203C303 865 17,242 SH   SOLE 0 0 0 17,242