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
ISHARES TR IBOXX HI YD ETF 464288513 9,528 116,740 SH   SOLE   0 0 116,740
VANGUARD WORLD FDS INF TECH ETF 92204A702 971 3,482 SH   SOLE   0 0 3,482
SPDR S&P 500 ETF TR TR UNIT 78462F103 18,861 61,165 SH   SOLE   0 0 61,165
ISHARES TR CORE S&P SCP ETF 464287804 7,249 106,148 SH   SOLE   0 0 106,148
ISHARES TR ESG MSCI USA ETF 46435G425 8,802 125,756 SH   SOLE   0 0 125,756
ISHARES TR U.S. FIN SVC ETF 464287770 1,535 12,859 SH   SOLE   0 0 12,859
ISHARES TR NATIONAL MUN ETF 464288414 1,231 10,669 SH   SOLE   0 0 10,669
ISHARES TR CORE S&P MCP ETF 464287507 6,343 35,672 SH   SOLE   0 0 35,672
MERCK & CO. INC COM 58933Y105 269 3,475 SH   SOLE   0 0 3,475
ISHARES TR CORE US AGGBD ET 464287226 10,106 85,492 SH   SOLE   0 0 85,492
BOULDER GROWTH & INCOME FD I COM 101507101 102 10,797 SH   SOLE   0 0 10,797
INVESCO EXCHANGE TRADED FD T INTL DIVI ACHI 46137V548 2,055 168,886 SH   SOLE   0 0 168,886
ISHARES TR RUS 2000 GRW ETF 464287648 347 1,678 SH   SOLE   0 0 1,678
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 1,282 3,952 SH   SOLE   0 0 3,952
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109 206 800 SH   SOLE   0 0 800
APPLE INC COM 037833100 3,150 8,635 SH   SOLE   0 0 8,635
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 544 3,045 SH   SOLE   0 0 3,045
ISHARES U S ETF TR SHT MAT BD ETF 46431W507 278 5,563 SH   SOLE   0 0 5,563
JOHNSON & JOHNSON COM 478160104 738 5,251 SH   SOLE   0 0 5,251
ISHARES TR 1 3 YR TREAS BD 464287457 10,924 126,130 SH   SOLE   0 0 126,130
FIRST TR MORNINGSTAR DIVID L SHS 336917109 2,265 89,315 SH   SOLE   0 0 89,315
INVESCO EXCHANGE TRADED FD T ZACKS MULT AST 46137Y500 2,023 123,223 SH   SOLE   0 0 123,223
COCA COLA CO COM 191216100 263 5,888 SH   SOLE   0 0 5,888
ISHARES TR 20 YR TR BD ETF 464287432 836 5,098 SH   SOLE   0 0 5,098
CSX CORP COM 126408103 209 3,000 SH   SOLE   0 0 3,000
SOUTHERN CO COM 842587107 233 4,487 SH   SOLE   0 0 4,487
ISHARES TR MRGSTR MD CP GRW 464288307 235 800 SH   SOLE   0 0 800
AT&T INC COM 00206R102 272 9,006 SH   SOLE   0 0 9,006
ISHARES TR EXPND TEC SC ETF 464287549 488 1,750 SH   SOLE   0 0 1,750
ISHARES TR MSCI MIN VOL ETF 46429B697 23,583 388,959 SH   SOLE   0 0 388,959
ISHARES TR SELECT DIVID ETF 464287168 9,233 114,387 SH   SOLE   0 0 114,387
SPDR SER TR S&P DIVID ETF 78464A763 1,518 16,641 SH   SOLE   0 0 16,641
INVESCO QQQ TR UNIT SER 1 46090E103 3,207 12,953 SH   SOLE   0 0 12,953
ISHARES TR IBOXX INV CP ETF 464287242 23,849 177,319 SH   SOLE   0 0 177,319
ISHARES TR S&P MC 400GR ETF 464287606 291 1,300 SH   SOLE   0 0 1,300
ORACLE CORP COM 68389X105 237 4,289 SH   SOLE   0 0 4,289
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 646 5,055 SH   SOLE   0 0 5,055
ISHARES TR RUS 1000 GRW ETF 464287614 365 1,901 SH   SOLE   0 0 1,901
SPDR SER TR S&P 600 SML CAP 78464A813 271 4,600 SH   SOLE   0 0 4,600
ISHARES INC MIN VOL GBL ETF 464286525 9,372 107,011 SH   SOLE   0 0 107,011
VERIZON COMMUNICATIONS INC COM 92343V104 345 6,265 SH   SOLE   0 0 6,265
ISHARES TR MBS ETF 464288588 8,975 81,075 SH   SOLE   0 0 81,075
ISHARES TR NASDAQ BIOTECH 464287556 1,003 7,339 SH   SOLE   0 0 7,339
WP CAREY INC COM 92936U109 257 3,797 SH   SOLE   0 0 3,797
ISHARES TR CORE MSCI EAFE 46432F842 7,585 132,704 SH   SOLE   0 0 132,704
ISHARES INC ESG MSCI EM ETF 46434G863 4,137 128,954 SH   SOLE   0 0 128,954
ISHARES TR RUS 1000 ETF 464287622 761 4,430 SH   SOLE   0 0 4,430
JPMORGAN CHASE & CO COM 46625H100 683 7,256 SH   SOLE   0 0 7,256
ISHARES TR FLTG RATE NT ETF 46429B655 1,358 26,852 SH   SOLE   0 0 26,852
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 521 6,303 SH   SOLE   0 0 6,303
ISHARES TR PFD AND INCM SEC 464288687 7,360 212,475 SH   SOLE   0 0 212,475
MCDONALDS CORP COM 580135101 228 1,237 SH   SOLE   0 0 1,237
GENERAL ELECTRIC CO COM 369604103 79 11,524 SH   SOLE   0 0 11,524
ISHARES TR GLOBAL TECH ETF 464287291 2,495 10,594 SH   SOLE   0 0 10,594
AMGEN INC COM 031162100 694 2,941 SH   SOLE   0 0 2,941
PFIZER INC COM 717081103 302 9,229 SH   SOLE   0 0 9,229
ISHARES TR EAFE GRWTH ETF 464288885 6,569 79,043 SH   SOLE   0 0 79,043
ISHARES TR U.S. MED DVC ETF 464288810 2,332 8,806 SH   SOLE   0 0 8,806
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354 620 12,474 SH   SOLE   0 0 12,474
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886 488 8,654 SH   SOLE   0 0 8,654
NUVEEN MUN VALUE FD INC COM 670928100 112 11,000 SH   SOLE   0 0 11,000
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100 616 10,925 SH   SOLE   0 0 10,925
ISHARES TR CORE S&P US GWT 464287671 411 5,720 SH   SOLE   0 0 5,720
ISHARES TR EDGE MSCI USA VL 46432F388 2,973 41,137 SH   SOLE   0 0 41,137
ISHARES TR U.S. REAL ES ETF 464287739 5,715 72,510 SH   SOLE   0 0 72,510
ISHARES TR US TREAS BD ETF 46429B267 6,729 240,396 SH   SOLE   0 0 240,396
BOEING CO COM 097023105 229 1,250 SH   SOLE   0 0 1,250
MICROSOFT CORP COM 594918104 738 3,625 SH   SOLE   0 0 3,625
VANGUARD INDEX FDS GROWTH ETF 922908736 433 2,141 SH   SOLE   0 0 2,141
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 305 2,997 SH   SOLE   0 0 2,997
ISHARES TR SH TR CRPORT ETF 464288646 3,706 67,734 SH   SOLE   0 0 67,734
ISHARES TR MIN VOL EAFE ETF 46429B689 4,650 70,389 SH   SOLE   0 0 70,389
VISA INC COM CL A 92826C839 348 1,803 SH   SOLE   0 0 1,803
INTEL CORP COM 458140100 363 6,072 SH   SOLE   0 0 6,072
PROCTER AND GAMBLE CO COM 742718109 504 4,212 SH   SOLE   0 0 4,212
EASTMAN CHEM CO COM 277432100 253 3,628 SH   SOLE   0 0 3,628
ISHARES TR TIPS BD ETF 464287176 7,263 59,046 SH   SOLE   0 0 59,046
ISHARES TR 0-5YR HI YL CP 46434V407 2,352 54,842 SH   SOLE   0 0 54,842
INTERNATIONAL BUSINESS MACHS COM 459200101 251 2,076 SH   SOLE   0 0 2,076
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 938 9,373 SH   SOLE   0 0 9,373
DEERE & CO COM 244199105 220 1,400 SH   SOLE   0 0 1,400
ISHARES TR RUS MD CP GR ETF 464287481 228 1,445 SH   SOLE   0 0 1,445
EXXON MOBIL CORP COM 30231G102 704 15,735 SH   SOLE   0 0 15,735
SPDR INDEX SHS FDS DJ INTL RL ETF 78463X863 1,713 59,421 SH   SOLE   0 0 59,421
ISHARES TR CORE S&P500 ETF 464287200 13,586 43,871 SH   SOLE   0 0 43,871
HOME DEPOT INC COM 437076102 202 808 SH   SOLE   0 0 808
ISHARES TR U.S. TECH ETF 464287721 336 1,245 SH   SOLE   0 0 1,245
CATERPILLAR INC DEL COM 149123101 292 2,306 SH   SOLE   0 0 2,306
VANECK VECTORS ETF TR SEMICONDUCTOR ET 92189F676 633 4,145 SH   SOLE   0 0 4,145
AMAZON COM INC COM 023135106 339 123 SH   SOLE   0 0 123
PAYCHEX INC COM 704326107 647 8,543 SH   SOLE   0 0 8,543