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
AFLAC INC COM 001055102 713 20,827 SH   SOLE   20,139 0 688
AGCO CORP COM 001084102 407 8,605 SH   SOLE   8,605 0 0
AT&T INC COM 00206R102 1,177 40,394 SH   SOLE   39,363 0 1,031
ABBOTT LABS COM 002824100 462 5,857 SH   SOLE   5,141 0 716
ABBVIE INC COM 00287Y109 275 3,611 SH   SOLE   3,523 0 88
ADOBE INC COM 00724F101 798 2,509 SH   SOLE   2,509 0 0
ALPHABET INC CAP STK CL C 02079K107 645 555 SH   SOLE   505 0 50
ALPHABET INC CAP STK CL A 02079K305 1,020 878 SH   SOLE   828 0 50
ALTRIA GROUP INC COM 02209S103 541 13,994 SH   SOLE   13,828 0 166
AMAZON COM INC COM 023135106 1,096 562 SH   SOLE   384 0 178
AMERICAN EXPRESS CO COM 025816109 1,164 13,591 SH   SOLE   13,591 0 0
AMERICAN TOWER CORP NEW COM 03027X100 214 982 SH   SOLE   982 0 0
AMGEN INC COM 031162100 346 1,709 SH   SOLE   1,466 0 243
APPLE INC COM 037833100 5,065 19,918 SH   SOLE   18,788 0 1,130
AUTOMATIC DATA PROCESSING IN COM 053015103 580 4,244 SH   SOLE   3,930 0 314
BK OF AMERICA CORP COM 060505104 1,238 58,314 SH   SOLE   54,382 0 3,932
BANK NEW YORK MELLON CORP COM 064058100 203 6,041 SH   SOLE   2,709 0 3,332
BECTON DICKINSON & CO COM 075887109 272 1,185 SH   SOLE   1,121 0 64
BERKSHIRE HATHAWAY INC DEL CL A 084670108 4,624 17 SH   SOLE   17 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 15,954 87,260 SH   SOLE   86,681 0 579
BLACKROCK INC COM 09247X101 290 658 SH   SOLE   614 0 44
BOEING CO COM 097023105 680 4,557 SH   SOLE   3,734 0 823
BOULDER GROWTH & INCOME FD I COM 101507101 137 14,926 SH   SOLE   14,926 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108 615 11,038 SH   SOLE   8,678 0 2,360
CSX CORP COM 126408103 214 3,733 SH   SOLE   3,470 0 263
CENTENE CORP DEL COM 15135B101 318 5,350 SH   SOLE   5,350 0 0
CENTERSTATE BK CORP COM 15201P109 182 10,579 SH   SOLE   0 0 10,579
CHEVRON CORP NEW COM 166764100 582 8,027 SH   SOLE   7,909 0 118
CISCO SYS INC COM 17275R102 405 10,307 SH   SOLE   9,415 0 892
COCA COLA CO COM 191216100 478 10,804 SH   SOLE   8,638 0 2,166
COLGATE PALMOLIVE CO COM 194162103 387 5,834 SH   SOLE   5,834 0 0
COMCAST CORP NEW CL A 20030N101 632 18,391 SH   SOLE   18,044 0 347
COSTCO WHSL CORP NEW COM 22160K105 256 899 SH   SOLE   899 0 0
DEERE & CO COM 244199105 241 1,742 SH   SOLE   1,048 0 694
DISNEY WALT CO COM DISNEY 254687106 460 4,758 SH   SOLE   3,385 0 1,373
DOMINION ENERGY INC COM 25746U109 222 3,073 SH   SOLE   3,073 0 0
EATON VANCE CORP COM NON VTG 278265103 2,848 88,296 SH   SOLE   88,296 0 0
EMPIRE ST RLTY TR INC CL A 292104106 169 18,915 SH   SOLE   18,915 0 0
EXXON MOBIL CORP COM 30231G102 1,304 34,333 SH   SOLE   28,536 0 5,797
FACEBOOK INC CL A 30303M102 259 1,552 SH   SOLE   1,434 0 118
FIRST TR EXCHANGE-TRADED FD NY ARCA BIOTECH 33733E203 216 1,651 SH   SOLE   1,651 0 0
GENERAL ELECTRIC CO COM 369604103 299 37,694 SH   SOLE   37,694 0 0
HERSHEY CO COM 427866108 374 2,824 SH   SOLE   2,824 0 0
HOME DEPOT INC COM 437076102 3,482 18,649 SH   SOLE   16,752 0 1,897
HONEYWELL INTL INC COM 438516106 922 6,890 SH   SOLE   5,964 0 926
ILLINOIS TOOL WKS INC COM 452308109 365 2,565 SH   SOLE   2,461 0 104
INTEL CORP COM 458140100 1,307 24,142 SH   SOLE   22,837 0 1,305
INTERNATIONAL BUSINESS MACHS COM 459200101 1,065 9,602 SH   SOLE   9,079 0 523
INVESCO QQQ TR UNIT SER 1 46090E103 619 3,252 SH   SOLE   1,908 0 1,344
ISHARES GOLD TRUST ISHARES 464285105 872 57,841 SH   SOLE   54,150 0 3,691
ISHARES TR CORE S&P TTL STK 464287150 220 3,846 SH   SOLE   3,846 0 0
ISHARES TR TIPS BD ETF 464287176 219 1,860 SH   SOLE   1,730 0 130
ISHARES TR CORE S&P500 ETF 464287200 11,428 44,228 SH   SOLE   39,554 0 4,673
ISHARES TR CORE US AGGBD ET 464287226 224 1,939 SH   SOLE   1,510 0 429
ISHARES TR MSCI EMG MKT ETF 464287234 404 11,829 SH   SOLE   11,441 0 388
ISHARES TR S&P 500 GRWT ETF 464287309 335 2,032 SH   SOLE   2,032 0 0
ISHARES TR 1 3 YR TREAS BD 464287457 415 4,792 SH   SOLE   4,792 0 0
ISHARES TR MSCI EAFE ETF 464287465 1,395 26,088 SH   SOLE   25,822 0 266
ISHARES TR RUS MID CAP ETF 464287499 383 8,877 SH   SOLE   1,200 0 7,677
ISHARES TR CORE S&P MCP ETF 464287507 31,704 220,381 SH   SOLE   193,505 0 26,877
ISHARES TR NASDAQ BIOTECH 464287556 639 5,933 SH   SOLE   5,686 0 247
ISHARES TR COHEN STEER REIT 464287564 886 9,677 SH   SOLE   9,677 0 0
ISHARES TR RUS 1000 VAL ETF 464287598 1,074 10,833 SH   SOLE   10,833 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 2,916 19,354 SH   SOLE   18,689 0 665
ISHARES TR RUS 1000 ETF 464287622 12,185 86,097 SH   SOLE   78,492 0 7,605
ISHARES TR RUS 2000 VAL ETF 464287630 9,603 117,069 SH   SOLE   105,907 0 11,163
ISHARES TR RUSSELL 2000 ETF 464287655 2,422 21,160 SH   SOLE   19,387 0 1,773
ISHARES TR CORE S&P US VLU 464287663 589 12,744 SH   SOLE   12,744 0 0
ISHARES TR RUSSELL 3000 ETF 464287689 973 6,559 SH   SOLE   6,559 0 0
ISHARES TR S&P MC 400VL ETF 464287705 300 2,736 SH   SOLE   2,736 0 0
ISHARES TR US HLTHCARE ETF 464287762 205 1,094 SH   SOLE   1,004 0 90
ISHARES TR CORE S&P SCP ETF 464287804 555 9,890 SH   SOLE   9,890 0 0
ISHARES TR SP SMCP600VL ETF 464287879 285 2,854 SH   SOLE   2,854 0 0
ISHARES TR S&P SML 600 GWT 464287887 621 4,506 SH   SOLE   3,808 0 698
ISHARES TR MSCI ACWI EX US 464288240 451 11,969 SH   SOLE   11,969 0 0
ISHARES TR EAFE SML CP ETF 464288273 25,458 567,874 SH   SOLE   537,206 0 30,668
ISHARES TR JPMORGAN USD EMG 464288281 36,467 377,192 SH   SOLE   329,199 0 47,993
ISHARES TR MSCI USA ESG SLC 464288802 202 1,838 SH   SOLE   1,838 0 0
ISHARES TR MICRO-CAP ETF 464288869 288 4,300 SH   SOLE   4,234 0 66
ISHARES TR 0-5 YR TIPS ETF 46429B747 2,488 24,902 SH   SOLE   18,580 0 6,322
ISHARES TR CORE MSCI EAFE 46432F842 24,699 495,070 SH   SOLE   469,412 0 25,658
ISHARES INC CORE MSCI EMKT 46434G103 39,352 972,368 SH   SOLE   913,009 0 59,359
ISHARES TR GLOBAL REIT ETF 46434V647 267 13,948 SH   SOLE   13,948 0 0
JPMORGAN CHASE & CO COM 46625H100 693 7,700 SH   SOLE   7,700 0 0
J P MORGAN EXCHANGE-TRADED F JPMORGAN DIVER 46641Q407 83,636 1,426,262 SH   SOLE   1,196,224 0 230,038
JOHNSON & JOHNSON COM 478160104 2,014 15,356 SH   SOLE   12,423 0 2,933
JUST ENERGY GROUP INC COM 48213W101 10 20,000 SH   SOLE   20,000 0 0
KIMBERLY CLARK CORP COM 494368103 304 2,375 SH   SOLE   2,375 0 0
L3HARRIS TECHNOLOGIES INC COM 502431109 239 1,329 SH   SOLE   1,329 0 0
LILLY ELI & CO COM 532457108 303 2,183 SH   SOLE   2,183 0 0
LOCKHEED MARTIN CORP COM 539830109 1,396 4,117 SH   SOLE   3,934 0 183
LOEWS CORP COM 540424108 522 15,000 SH   SOLE   15,000 0 0
LOWES COS INC COM 548661107 1,280 14,875 SH   SOLE   14,539 0 336
MASTERCARD INC CL A 57636Q104 200 826 SH   SOLE   826 0 0
MCDONALDS CORP COM 580135101 344 2,082 SH   SOLE   1,991 0 91
MERCK & CO. INC COM 58933Y105 1,725 22,426 SH   SOLE   22,243 0 183
MICROSOFT CORP COM 594918104 5,460 34,620 SH   SOLE   32,477 0 2,143
MONDELEZ INTL INC CL A 609207105 435 8,686 SH   SOLE   8,686 0 0
NEXTERA ENERGY INC COM 65339F101 279 1,159 SH   SOLE   1,159 0 0
NORFOLK SOUTHERN CORP COM 655844108 470 3,222 SH   SOLE   3,222 0 0
NORTHROP GRUMMAN CORP COM 666807102 428 1,415 SH   SOLE   1,415 0 0
ORACLE CORP COM 68389X105 298 6,169 SH   SOLE   5,250 0 919
PEPSICO INC COM 713448108 1,907 15,881 SH   SOLE   15,666 0 215
PFIZER INC COM 717081103 986 30,210 SH   SOLE   30,100 0 110
PHILIP MORRIS INTL INC COM 718172109 356 4,877 SH   SOLE   4,731 0 145
PITNEY BOWES INC COM 724479100 26 12,656 SH   SOLE   12,656 0 0
PROCTER & GAMBLE CO COM 742718109 1,485 13,496 SH   SOLE   11,808 0 1,688
PUBLIC SVC ENTERPRISE GRP IN COM 744573106 386 8,595 SH   SOLE   8,595 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 2,383 9,247 SH   SOLE   8,188 0 1,059
SPDR GOLD TRUST GOLD SHS 78463V107 842 5,685 SH   SOLE   5,685 0 0
SPDR INDEX SHS FDS DJ GLB RL ES ETF 78463X749 6,391 177,539 SH   SOLE   167,173 0 10,366
SPDR INDEX SHS FDS DJ INTL RL ETF 78463X863 388 14,481 SH   SOLE   13,732 0 749
SPDR SER TR S&P 600 SMCP VAL 78464A300 3,661 89,600 SH   SOLE   83,282 0 6,318
SPDR SER TR BLMBRG BRC CNVRT 78464A359 3,363 70,257 SH   SOLE   64,061 0 6,196
SPDR SER TR S&P DIVID ETF 78464A763 215 2,690 SH   SOLE   2,690 0 0
SPDR SER TR S&P BIOTECH 78464A870 229 2,962 SH   SOLE   2,962 0 0
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 3,495 13,295 SH   SOLE   13,077 0 218
SPDR SER TR NUVEEN BLMBRG SR 78468R739 242 4,956 SH   SOLE   4,956 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 207 2,605 SH   SOLE   0 0 2,605
STERLING BANCORP DEL COM 85917A100 126 12,024 SH   SOLE   12,024 0 0
STRYKER CORP COM 863667101 261 1,565 SH   SOLE   1,565 0 0
TEXAS INSTRS INC COM 882508104 318 3,182 SH   SOLE   3,126 0 56
3M CO COM 88579Y101 1,894 13,874 SH   SOLE   13,261 0 613
TRUIST FINL CORP COM 89832Q109 618 20,035 SH   SOLE   15,413 0 4,622
UNION PAC CORP COM 907818108 1,066 7,555 SH   SOLE   7,555 0 0
UNITED TECHNOLOGIES CORP COM 913017109 701 7,435 SH   SOLE   5,623 0 1,812
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 16,939 163,841 SH   SOLE   153,307 0 10,534
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 344 10,331 SH   SOLE   9,570 0 761
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 529 7,483 SH   SOLE   7,483 0 0
VANGUARD WHITEHALL FDS EMERG MKT BD ETF 921946885 2,982 42,364 SH   SOLE   40,052 0 2,312
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 439 9,019 SH   SOLE   9,019 0 0
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 1,344 21,399 SH   SOLE   18,448 0 2,951
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 15,053 448,677 SH   SOLE   407,169 0 41,508
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 1,326 21,277 SH   SOLE   20,126 0 1,151
VANGUARD MUN BD FD INC TAX EXEMPT BD 922907746 257 4,862 SH   SOLE   4,862 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 540 2,280 SH   SOLE   2,280 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 341 4,887 SH   SOLE   4,786 0 101
VANGUARD INDEX FDS SML CP GRW ETF 922908595 240 1,594 SH   SOLE   1,594 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611 10,272 115,678 SH   SOLE   110,324 0 5,354
VANGUARD INDEX FDS MID CAP ETF 922908629 1,491 11,322 SH   SOLE   10,922 0 400
VANGUARD INDEX FDS LARGE CAP ETF 922908637 498 4,204 SH   SOLE   4,204 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 17,500 196,492 SH   SOLE   188,442 0 8,049
VANGUARD INDEX FDS TOTAL STK MKT 922908769 3,109 24,115 SH   SOLE   23,608 0 507
VERIZON COMMUNICATIONS INC COM 92343V104 1,208 22,487 SH   SOLE   21,312 0 1,175
WALMART INC COM 931142103 339 2,988 SH   SOLE   942 0 2,046
WISDOMTREE TR INTL SMCAP DIV 97717W760 468 9,737 SH   SOLE   9,737 0 0
WORKDAY INC CL A 98138H101 2,920 22,425 SH   SOLE   22,425 0 0
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 586 3,589 SH   SOLE   1,893 0 1,695