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
180 Degree Capital Corp COM 68235B109 232 100,302 SH   DFND NONE 0 0 100,302
3M Co. COM 88579Y101 590 3,000 SH   DFND NONE 0 0 3,000
ABB Ltd. - Spon ADR SPONSORED ADR 000375204 258 11,829 SH   DFND NONE 0 0 11,829
Accenture Plc SHS CLASS A G1151C101 384 2,347 SH   DFND NONE 0 0 2,347
Alphabet Inc. - Class A CAP STK CL A 02079K305 632 560 SH   DFND NONE 0 0 560
Altria Group, Inc. COM 02209S103 203 3,576 SH   DFND NONE 0 0 3,576
Amazon.Com Inc COM 023135106 1,132 666 SH   DFND NONE 0 0 666
Analog Devices, Inc. COM 032654105 450 4,695 SH   DFND NONE 0 0 4,695
Apple Inc. COM 037833100 1,902 10,274 SH   DFND NONE 0 0 10,274
Ares Capital Corp COM 04010L103 193 11,709 SH   DFND NONE 0 0 11,709
AT&T Inc COM 00206R102 537 16,723 SH   DFND NONE 0 0 16,723
Athenahealth Inc COM 04685W103 504 3,168 SH   DFND NONE 0 0 3,168
Berkshire Hathaway Inc - Cl B CL B NEW 084670702 6,913 37,037 SH   DFND NONE 0 0 37,037
Berkshire Hathaway Inc. - Class A CL A 084670108 282 1 SH   DFND NONE 0 0 1
Blackstone Mortgage Trust Inc-Class COM CL A 09257W100 221 7,035 SH   DFND NONE 0 0 7,035
Boeing Co. COM 097023105 335 1,000 SH   DFND NONE 0 0 1,000
Boulder Growth & Income Fund Inc - COM 101507101 146 14,200 SH   DFND NONE 0 0 14,200
Cinemark Holdings, Inc. COM 17243V102 235 6,700 SH   DFND NONE 0 0 6,700
Cisco Systems, Inc. COM 17275R102 896 20,829 SH   DFND NONE 0 0 20,829
Coca Cola Company COM 191216100 847 19,321 SH   DFND NONE 0 0 19,321
Consolidated Edison COM 209115104 464 5,954 SH   DFND NONE 0 0 5,954
Duke Realty Corporation COM NEW 264411505 571 19,679 SH   DFND NONE 0 0 19,679
DXC Technology Co COM 23355L106 239 2,968 SH   DFND NONE 0 0 2,968
Eaton Vance Senior Income Trust SH BEN INT 27826S103 203 31,800 SH   DFND NONE 0 0 31,800
eBay Inc. COM 278642103 271 7,463 SH   DFND NONE 0 0 7,463
Enterprise Products Partners MLP COM 293792107 671 24,250 SH   DFND NONE 0 0 24,250
ETFMG Prime Cyber Security PRIME CYBR SCRTY 26924G201 12,377 334,505 SH   DFND NONE 0 0 334,505
Extended Stay America Inc. UNIT 99/99/9999B 30224P200 306 14,175 SH   DFND NONE 0 0 14,175
Exxon Mobil Corporation COM 30231G102 783 9,461 SH   DFND NONE 0 0 9,461
F.N.B. Corporation COM 302520101 229 17,040 SH   DFND NONE 0 0 17,040
Flowers Foods, Inc. COM 343498101 230 11,065 SH   DFND NONE 0 0 11,065
Forum Energy Technologies, Inc. COM 34984V100 1,636 132,445 SH   DFND NONE 0 0 132,445
FS Investment Corp COM 302635107 109 14,820 SH   DFND NONE 0 0 14,820
General Electric Co. COM 369604103 341 25,041 SH   DFND NONE 0 0 25,041
General Motors Co. COM 37045V100 276 6,995 SH   DFND NONE 0 0 6,995
Helix Energy Solutions Group I COM 42330P107 175 21,000 SH   DFND NONE 0 0 21,000
Hi-Crush Partners MLP COM UNIT LTD 428337109 175 14,800 SH   DFND NONE 0 0 14,800
Home Depot Inc. COM 437076102 235 1,204 SH   DFND NONE 0 0 1,204
Inovio Pharmaceuticals, Inc. COM NEW 45773H201 508 129,500 SH   DFND NONE 0 0 129,500
Int'l Business Machines Corp. COM 459200101 412 2,952 SH   DFND NONE 0 0 2,952
Intel Corp. COM 458140100 1,110 22,336 SH   DFND NONE 0 0 22,336
Invesco MSCI Glbal Timber ETF MSCI GBL TIMBR 46138E545 468 14,427 SH   DFND NONE 0 0 14,427
Invesco QQQ Trust Series 1 UNIT SER 1 46090E103 339 1,973 SH   DFND NONE 0 0 1,973
Invesco Senior Loan ETF SR LN ETF 46138G508 4,038 176,317 SH   DFND NONE 0 0 176,317
iShares Core MSCI Europe ETF CORE MSCI EURO 46434V738 2,146 45,110 SH   DFND NONE 0 0 45,110
iShares Core S&P 500 ETF CORE S&P500 ETF 464287200 33,005 120,876 SH   DFND NONE 0 0 120,876
iShares Core S&P Small-Cap ETF CORE S&P SCP ETF 464287804 8,400 100,652 SH   DFND NONE 0 0 100,652
iShares Core Total US Bond Market CORE US AGGBD ET 464287226 797 7,500 SH   DFND NONE 0 0 7,500
iShares Europe ETF EUROPE ETF 464287861 4,548 101,730 SH   DFND NONE 0 0 101,730
iShares International Select Dividend INTL SEL DIV ETF 464288448 606 18,923 SH   DFND NONE 0 0 18,923
iShares JP Morgan USD Emerging JPMORGAN USD EMG 464288281 276 2,582 SH   DFND NONE 0 0 2,582
iShares MSCI ACWI ex US ETF MSCI ACWI EX US 464288240 856 18,110 SH   DFND NONE 0 0 18,110
iShares MSCI All Country Asia ex MSCI AC ASIA ETF 464288182 1,287 17,958 SH   DFND NONE 0 0 17,958
iShares MSCI EAFE Small-Cap ETF EAFE SML CP ETF 464288273 381 6,077 SH   DFND NONE 0 0 6,077
iShares MSCI EM ESG Optimized MSCI EM ESG OPZ 46434G863 16,489 490,004 SH   DFND NONE 0 0 490,004
iShares MSCI Emerging Markets MSCI EMG MKT ETF 464287234 881 20,329 SH   DFND NONE 0 0 20,329
iShares MSCI Japan ETF MSCI JPN ETF NEW 46434G822 8,452 145,951 SH   DFND NONE 0 0 145,951
iShares MSCI Pacific ex Japan ETF MSCI PAC JP ETF 464286665 2,815 61,185 SH   DFND NONE 0 0 61,185
iShares Russell 1000 ETF RUS 1000 ETF 464287622 13,795 90,768 SH   DFND NONE 0 0 90,768
iShares Russell 1000 Growth ETF RUS 1000 GRW ETF 464287614 2,904 20,197 SH   DFND NONE 0 0 20,197
iShares Russell 1000 Value ETF RUS 1000 VAL ETF 464287598 3,746 30,861 SH   DFND NONE 0 0 30,861
iShares Russell 2000 ETF RUSSELL 2000 ETF 464287655 16,564 101,143 SH   DFND NONE 0 0 101,143
iShares Russell 2000 Growth ETF RUS 2000 GRW ETF 464287648 7,232 35,393 SH   DFND NONE 0 0 35,393
iShares Russell 3000 ETF RUSSELL 3000 ETF 464287689 1,664 10,254 SH   DFND NONE 0 0 10,254
iShares Russell Mid-Cap ETF RUS MID CAP ETF 464287499 20,387 96,101 SH   DFND NONE 0 0 96,101
iShares Select Dividend ETF SELECT DIVID ETF 464287168 3,216 32,903 SH   DFND NONE 0 0 32,903
iShares TIPS Bond ETF TIPS BD ETF 464287176 687 6,090 SH   DFND NONE 0 0 6,090
iShares U.S. Financial Services ETF U.S. FIN SVC ETF 464287770 418 3,223 SH   DFND NONE 0 0 3,223
iShares US Preferred Stock ETF S&P US PFD STK 464288687 309 8,190 SH   DFND NONE 0 0 8,190
J.P. Morgan Chase & Co. COM 46625H100 1,015 9,737 SH   DFND NONE 0 0 9,737
Johnson & Johnson COM 478160104 826 6,807 SH   DFND NONE 0 0 6,807
Kinder Morgan, Inc. COM 49456B101 1,019 57,682 SH   DFND NONE 0 0 57,682
Kopin Corporation COM 500600101 506 177,000 SH   DFND NONE 0 0 177,000
Liberty All-Star Equity ETF SH BEN INT 530158104 81 12,691 SH   DFND NONE 0 0 12,691
Lowe's Companies COM 548661107 313 3,272 SH   DFND NONE 0 0 3,272
Medtronic, PLC SHS G5960L103 671 7,837 SH   DFND NONE 0 0 7,837
Microsoft Corp. COM 594918104 568 5,762 SH   DFND NONE 0 0 5,762
Molson Coors Brewing Co. CL B 60871R209 353 5,185 SH   DFND NONE 0 0 5,185
Motorola Solutions, Inc. COM NEW 620076307 279 2,395 SH   DFND NONE 0 0 2,395
New Mountain Finance Corporation COM 647551100 23,429 1,722,714 SH   DFND NONE 0 0 1,722,714
Nike Inc. - CL B CL B 654106103 229 2,874 SH   DFND NONE 0 0 2,874
Pepsico, Inc COM 713448108 253 2,326 SH   DFND NONE 0 0 2,326
Pfizer Inc. COM 717081103 571 15,747 SH   DFND NONE 0 0 15,747
Philip Morris International Inc. COM 718172109 324 4,011 SH   DFND NONE 0 0 4,011
PolyOne Corporation COM 73179P106 452 10,451 SH   DFND NONE 0 0 10,451
Procter & Gamble Co. COM 742718109 319 4,092 SH   DFND NONE 0 0 4,092
Proshares Tr Ultra QQQ PSHS ULTRA QQQ 74347R206 208 2,400 SH   DFND NONE 0 0 2,400
Qualcomm Inc. COM 747525103 252 4,489 SH   DFND NONE 0 0 19,023
Rite Aid Corp. COM 767754104 31 18,043 SH   DFND NONE 0 0 19,504
ROBO Global Robotics and ROBO GLB ETF 301505707 10,783 269,574 SH   DFND NONE 0 0 19,568
Royal Dutch Shell PLC - ADR B SPON ADR B 780259107 233 3,203 SH   DFND NONE 0 0 19,729
Royal Dutch Shell PLC-ADR A SPONS ADR A 780259206 834 12,041 SH   DFND NONE 0 0 19,761
Sanchez Energy Corp. COM 79970Y105 630 139,300 SH   DFND NONE 0 0 19,921
Sanofi-Aventis - ADR SPONSORED ADR 80105N105 244 6,100 SH   DFND NONE 0 0 19,953
Schlumberger Ltd. COM 806857108 254 3,787 SH   DFND NONE 0 0 20,049
SPDR Bloomberg Barclays Short BLOMBERG BRC INT 78464A334 200 6,393 SH   DFND NONE 0 0 20,819
SPDR Gold Shares - ETF GOLD SHS 78463V107 309 2,602 SH   DFND NONE 0 0 20,883
SPDR S&P 500 ETF Trust TR UNIT 78462F103 5,261 19,393 SH   DFND NONE 0 0 21,012
SPDR S&P MidCap 400 ETF Trust UTSER1 S&PDCRP 78467Y107 3,635 10,239 SH   DFND NONE 0 0 21,076
Target Corporation COM 87612E106 214 2,815 SH   DFND NONE 0 0 21,653
The JPMorgan MLP Index ETN ALERIAN ML ETN 46625H365 577 21,692 SH   DFND NONE 0 0 22,262
Vanguard Consumer Staples ETF CONSUM STP ETF 92204A207 755 5,623 SH   DFND NONE 0 0 23,609
Vanguard Dividend Appreciation DIV APP ETF 921908844 233 2,295 SH   DFND NONE 0 0 23,641
Vanguard Extended Market ETF EXTEND MKT ETF 922908652 1,259 10,686 SH   DFND NONE 0 0 23,673
Vanguard FTSE All-World Ex-US ALLWRLD EX US 922042775 23,074 445,091 SH   DFND NONE 0 0 23,737
Vanguard FTSE Developed Markets FTSE DEV MKT ETF 921943858 12,500 291,386 SH   DFND NONE 0 0 23,769
Vanguard FTSE Europe ETF FTSE EUROPE ETF 922042874 287 5,122 SH   DFND NONE 0 0 23,802
Vanguard MSCI Emerging Markets FTSE EMR MKT ETF 922042858 4,888 115,818 SH   DFND NONE 0 0 24,026
Vanguard Real Estate ETF REAL ESTATE ETF 922908553 257 3,156 SH   DFND NONE 0 0 24,058
Vanguard Short Term Corporate SHRT TRM CORP BD 92206C409 1,171 14,996 SH   DFND NONE 0 0 24,122
Vanguard Total Bond Market ETF TOTAL BND MRKT 921937835 293 3,705 SH   DFND NONE 0 0 24,283
Vanguard Total Stock Market ETF TOTAL STK MKT 922908769 269 1,912 SH   DFND NONE 0 0 24,315
Verizon Communications COM 92343V104 967 19,219 SH   DFND NONE 0 0 24,571
Vulcan Materials Company COM 929160109 216 1,670 SH   DFND NONE 0 0 24,828
Weyerhaeuser Company COM 962166104 248 6,805 SH   DFND NONE 0 0 25,309
Williams Co Inc. COM 969457100 287 10,580 SH   DFND NONE 0 0 25,373