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
ABBOTT LABS COM 002824100 1,326 13,708 SH   SOLE   0 0 13,708
ALPHABET INC CAP STK CL C 02079K107 539 5,609 SH   SOLE   0 0 5,609
ALPHABET INC CAP STK CL A 02079K305 992 10,371 SH   SOLE   0 0 10,371
AMAZON COM INC COM 023135106 4,963 43,920 SH   SOLE   0 0 43,920
ANALOG DEVICES INC COM 032654105 515 3,696 SH   SOLE   0 0 3,696
APPLE INC COM 037833100 14,050 101,663 SH   SOLE   0 0 101,663
ASSURANT INC COM 04621X108 911 6,272 SH   SOLE   0 0 6,272
BECTON DICKINSON & CO COM 075887109 295 1,325 SH   SOLE   0 0 1,325
BERKLEY W R CORP COM 084423102 3,079 47,677 SH   SOLE   0 0 47,677
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,921 7,195 SH   SOLE   0 0 7,195
BERKSHIRE HATHAWAY INC DEL CL A 084670108 813 200 SH   SOLE   0 0 200
BOSTON BEER INC CL A 100557107 2,049 6,331 SH   SOLE   0 0 6,331
CANADIAN PAC RY LTD COM 13645T100 615 9,216 SH   SOLE   0 0 9,216
CATERPILLAR INC COM 149123101 1,753 10,687 SH   SOLE   0 0 10,687
CISCO SYS INC COM 17275R102 428 10,699 SH   SOLE   0 0 10,699
COLGATE PALMOLIVE CO COM 194162103 208 2,966 SH   SOLE   0 0 2,966
COMCAST CORP NEW CL A 20030N101 213 7,261 SH   SOLE   0 0 7,261
DECKERS OUTDOOR CORP COM 243537107 649 2,077 SH   SOLE   0 0 2,077
DISNEY WALT CO COM 254687106 2,714 28,769 SH   SOLE   0 0 28,769
DOMINOS PIZZA INC COM 25754A201 3,365 10,848 SH   SOLE   0 0 10,848
FIDELITY COVINGTON TRUST MSCI RL EST ETF 316092857 1,906 79,676 SH   SOLE   0 0 79,676
INVESCO EXCH TRADED FD TR II NATL AMT MUNI 46138E537 308 13,943 SH   SOLE   0 0 13,943
INVESCO EXCH TRADED FD TR II NY AMT FRE MUN 46138E529 1,153 54,063 SH   SOLE   0 0 54,063
INVESCO EXCHANGE TRADED FD T S&P500 EQL MAT 46137V316 425 2,986 SH   SOLE   0 0 2,986
INVESCO QQQ TR UNIT SER 1 46090E103 11,170 41,796 SH   SOLE   0 0 41,796
ISHARES INC MSCI CDA ETF 464286509 264 8,569 SH   SOLE   0 0 8,569
ISHARES TR 7-10 YR TRSY BD 464287440 3,785 39,427 SH   SOLE   0 0 39,427
ISHARES TR COHEN STEER REIT 464287564 5,542 103,271 SH   SOLE   0 0 103,271
ISHARES TR CORE S&P SCP ETF 464287804 2,613 29,969 SH   SOLE   0 0 29,969
ISHARES TR MSCI EAFE ETF 464287465 2,756 49,206 SH   SOLE   0 0 49,206
ISHARES TR MSCI EAFE MIN VL 46429B689 7,322 128,430 SH   SOLE   0 0 128,430
ISHARES TR RUS 1000 GRW ETF 464287614 847 4,026 SH   SOLE   0 0 4,026
ISHARES TR RUS MDCP VAL ETF 464287473 15,001 156,178 SH   SOLE   0 0 156,178
ISHARES TR S&P 500 GRWT ETF 464287309 3,026 52,316 SH   SOLE   0 0 52,316
ISHARES TR S&P 500 VAL ETF 464287408 6,717 52,267 SH   SOLE   0 0 52,267
ISHARES TR S&P MC 400GR ETF 464287606 3,748 59,466 SH   SOLE   0 0 59,466
ISHARES TR SP SMCP600VL ETF 464287879 7,605 92,239 SH   SOLE   0 0 92,239
ISHARES TR CORE S&P500 ETF 464287200 10,542 29,395 SH   SOLE   0 0 29,395
ISHARES TR CORE S&P MCP ETF 464287507 10,710 48,847 SH   SOLE   0 0 48,847
ISHARES TR CORE S&P US VLU 464287663 3,506 55,993 SH   SOLE   0 0 55,993
ISHARES TR S&P MC 400VL ETF 464287705 8,155 90,614 SH   SOLE   0 0 90,614
ISHARES TR S&P SML 600 GWT 464287887 4,003 39,377 SH   SOLE   0 0 39,377
ISHARES TR YLD OPTIM BD 46434V787 1,424 66,843 SH   SOLE   0 0 66,843
ISHARES TR TIPS BD ETF 464287176 8,612 82,100 SH   SOLE   0 0 82,100
ISHARES TR MORNINGSTR US EQ 464287127 371 7,521 SH   SOLE   0 0 7,521
ISHARES TR NORTH AMERN NAT 464287374 970 27,920 SH   SOLE   0 0 27,920
ISHARES TR EXPND TEC SC ETF 464287549 2,797 10,117 SH   SOLE   0 0 10,117
ISHARES TR CORE S&P US GWT 464287671 627 7,822 SH   SOLE   0 0 7,822
ISHARES TR RUS 1000 VAL ETF 464287598 3,245 23,860 SH   SOLE   0 0 23,860
ISHARES TR MSCI EMG MKT ETF 464287234 2,986 85,595 SH   SOLE   0 0 85,595
ISHARES TR CORE US AGGBD ET 464287226 3,510 36,433 SH   SOLE   0 0 36,433
ISHARES TR RUS MID CAP ETF 464287499 2,492 40,092 SH   SOLE   0 0 40,092
ISHARES TR U.S. TECH ETF 464287721 206 2,802 SH   SOLE   0 0 2,802
ISHARES TR 1 3 YR TREAS BD 464287457 405 4,985 SH   SOLE   0 0 4,985
ISHARES TR RUS 2000 VAL ETF 464287630 2,083 16,155 SH   SOLE   0 0 16,155
ISHARES TR S&P 100 ETF 464287101 414 2,546 SH   SOLE   0 0 2,546
ISHARES TR RUS 1000 ETF 464287622 276 1,398 SH   SOLE   0 0 1,398
ISHARES TR SELECT DIVID ETF 464287168 1,634 15,238 SH   SOLE   0 0 15,238
ISHARES TR U.S. PHARMA ETF 464288836 685 4,040 SH   SOLE   0 0 4,040
ISHARES TR ISHARES BIOTECH 464287556 204 1,742 SH   SOLE   0 0 1,742
ISHARES TR MRGSTR MD CP GRW 464288307 222 4,416 SH   SOLE   0 0 4,416
JOHNSON & JOHNSON COM 478160104 2,608 15,966 SH   SOLE   0 0 15,966
MCDONALDS CORP COM 580135101 221 959 SH   SOLE   0 0 959
MERCK & CO INC COM 58933Y105 564 6,551 SH   SOLE   0 0 6,551
MICROSOFT CORP COM 594918104 2,233 9,589 SH   SOLE   0 0 9,589
MOODYS CORP COM 615369105 818 3,364 SH   SOLE   0 0 3,364
NEWELL BRANDS INC COM 651229106 247 17,811 SH   SOLE   0 0 17,811
OMNICOM GROUP INC COM 681919106 504 7,984 SH   SOLE   0 0 7,984
PAYCHEX INC COM 704326107 1,028 9,158 SH   SOLE   0 0 9,158
PEPSICO INC COM 713448108 5,582 34,190 SH   SOLE   0 0 34,190
PFIZER INC COM 717081103 2,235 51,066 SH   SOLE   0 0 51,066
PIMCO ETF TR ACTIVE BD ETF 72201R775 1,525 16,998 SH   SOLE   0 0 16,998
PJT PARTNERS INC COM CL A 69343T107 2,712 40,587 SH   SOLE   0 0 40,587
PROCTER AND GAMBLE CO COM 742718109 1,657 13,126 SH   SOLE   0 0 13,126
PROSHARES TR PSHS ULT S&P 500 74347R107 5,623 141,557 SH   SOLE   0 0 141,557
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 2,386 106,516 SH   SOLE   0 0 106,516
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 12,059 199,225 SH   SOLE   0 0 199,225
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 5,545 146,688 SH   SOLE   0 0 146,688
SCHWAB STRATEGIC TR US TIPS ETF 808524870 13,986 270,003 SH   SOLE   0 0 270,003
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 1,356 32,291 SH   SOLE   0 0 32,291
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 2,404 56,757 SH   SOLE   0 0 56,757
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755 421 16,725 SH   SOLE   0 0 16,725
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 532 9,533 SH   SOLE   0 0 9,533
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854 453 9,221 SH   SOLE   0 0 9,221
SELECT SECTOR SPDR TR ENERGY 81369Y506 2,199 30,538 SH   SOLE   0 0 30,538
SPDR S&P 500 ETF TR TR UNIT 78462F103 1,884 5,273 SH   SOLE   0 0 5,273
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 1,939 4,826 SH   SOLE   0 0 4,826
SPDR SER TR PRTFLO S&P500 GW 78464A409 2,720 54,296 SH   SOLE   0 0 54,296
SPDR SER TR S&P 600 SML CAP 78464A813 5,137 67,873 SH   SOLE   0 0 67,873
SPDR SER TR PRTFLO S&P500 VL 78464A508 2,617 75,882 SH   SOLE   0 0 75,882
SPDR SER TR S&P 400 MDCP GRW 78464A821 1,338 22,168 SH   SOLE   0 0 22,168
SPDR SER TR S&P BIOTECH 78464A870 1,912 24,104 SH   SOLE   0 0 24,104
SPDR SER TR GLB DOW ETF 78464A706 1,171 13,563 SH   SOLE   0 0 13,563
SPDR SER TR S&P DIVID ETF 78464A763 2,832 25,395 SH   SOLE   0 0 25,395
SPDR SER TR S&P 600 SMCP GRW 78464A201 214 3,139 SH   SOLE   0 0 3,139
THERAPEUTICSMD INC COM NEW 88338N206 98 14,701 SH   SOLE   0 0 14,701
UNITEDHEALTH GROUP INC COM 91324P102 871 1,724 SH   SOLE   0 0 1,724
VANGUARD ADMIRAL FDS INC 500 GRTH IDX F 921932505 2,250 10,789 SH   SOLE   0 0 10,789
VANGUARD BD INDEX FDS INTERMED TERM 921937819 10,935 148,815 SH   SOLE   0 0 148,815
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 749 10,004 SH   SOLE   0 0 10,004
VANGUARD INDEX FDS MID CAP ETF 922908629 5,257 27,965 SH   SOLE   0 0 27,965
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 3,709 46,264 SH   SOLE   0 0 46,264
VANGUARD INDEX FDS SML CP GRW ETF 922908595 12,815 65,672 SH   SOLE   0 0 65,672
VANGUARD INDEX FDS SM CP VAL ETF 922908611 18,891 131,734 SH   SOLE   0 0 131,734
VANGUARD INDEX FDS TOTAL STK MKT 922908769 8,434 46,993 SH   SOLE   0 0 46,993
VANGUARD INDEX FDS SMALL CP ETF 922908751 7,388 43,228 SH   SOLE   0 0 43,228
VANGUARD INDEX FDS GROWTH ETF 922908736 1,013 4,736 SH   SOLE   0 0 4,736
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 3,557 20,857 SH   SOLE   0 0 20,857
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 10,760 88,364 SH   SOLE   0 0 88,364
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 1,251 34,276 SH   SOLE   0 0 34,276
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 20,252 272,649 SH   SOLE   0 0 272,649
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 10,917 80,767 SH   SOLE   0 0 80,767
VANGUARD STAR FDS VG TL INTL STK F 921909768 525 11,476 SH   SOLE   0 0 11,476
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 357 9,829 SH   SOLE   0 0 9,829
VANGUARD WORLD FDS ENERGY ETF 92204A306 1,026 10,096 SH   SOLE   0 0 10,096
VANGUARD WORLD FDS INF TECH ETF 92204A702 2,122 6,904 SH   SOLE   0 0 6,904
VULCAN MATLS CO COM 929160109 273 1,728 SH   SOLE   0 0 1,728
WALMART INC COM 931142103 615 4,744 SH   SOLE   0 0 4,744