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
AMAZON COM INC COM 023135106 498 153 SH   SOLE   0 0 153
AMGEN INC COM 031162100 595 2,587 SH   SOLE   0 0 2,587
APPLE INC COM 037833100 6,206 46,774 SH   SOLE   0 0 46,774
AT&T INC COM 00206R102 242 8,413 SH   SOLE   0 0 8,413
BERKSHIRE HATHAWAY INC DEL CL A 084670108 348 1 SH   SOLE   0 0 1
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 706 3,045 SH   SOLE   0 0 3,045
BOEING CO COM 097023105 700 3,270 SH   SOLE   0 0 3,270
BOULDER GROWTH & INCOME FD I COM 101507101 123 11,026 SH   SOLE   0 0 11,026
CATERPILLAR INC COM 149123101 785 4,310 SH   SOLE   0 0 4,310
COCA COLA CO COM 191216100 323 5,888 SH   SOLE   0 0 5,888
CSX CORP COM 126408103 272 3,000 SH   SOLE   0 0 3,000
DEERE & CO COM 244199105 377 1,400 SH   SOLE   0 0 1,400
DISNEY WALT CO COM 254687106 269 1,487 SH   SOLE   0 0 1,487
EASTMAN CHEM CO COM 277432100 370 3,690 SH   SOLE   0 0 3,690
EXXON MOBIL CORP COM 30231G102 628 15,240 SH   SOLE   0 0 15,240
FIDELITY MERRIMACK STR TR CORP BOND ETF 316188101 2,607 45,541 SH   SOLE   0 0 45,541
FIRST TR MORNINGSTAR DIVID L SHS 336917109 1,215 41,055 SH   SOLE   0 0 41,055
HOME DEPOT INC COM 437076102 235 885 SH   SOLE   0 0 885
HONEYWELL INTL INC COM 438516106 759 3,571 SH   SOLE   0 0 3,571
INTEL CORP COM 458140100 229 4,591 SH   SOLE   0 0 4,591
INTERNATIONAL BUSINESS MACHS COM 459200101 217 1,722 SH   SOLE   0 0 1,722
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354 720 12,801 SH   SOLE   0 0 12,801
INVESCO EXCHANGE TRADED FD T INTL DIVI ACHI 46137V548 1,450 94,434 SH   SOLE   0 0 94,434
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 256 2,007 SH   SOLE   0 0 2,007
INVESCO EXCHANGE TRADED FD T ZACKS MULT AST 46137Y500 1,381 68,868 SH   SOLE   0 0 68,868
INVESCO QQQ TR UNIT SER 1 46090E103 3,948 12,583 SH   SOLE   0 0 12,583
ISHARES INC ESG AWR MSCI EM 46434G863 10,031 238,938 SH   SOLE   0 0 238,938
ISHARES INC MSCI GBL MIN VOL 464286525 8,847 91,296 SH   SOLE   0 0 91,296
ISHARES TR 0-5YR HI YL CP 46434V407 4,415 97,169 SH   SOLE   0 0 97,169
ISHARES TR 1 3 YR TREAS BD 464287457 7,472 86,507 SH   SOLE   0 0 86,507
ISHARES TR 20 YR TR BD ETF 464287432 1,283 8,135 SH   SOLE   0 0 8,135
ISHARES TR 3 7 YR TREAS BD 464288661 1,600 12,035 SH   SOLE   0 0 12,035
ISHARES TR BARCLAYS 7 10 YR 464287440 315 2,624 SH   SOLE   0 0 2,624
ISHARES TR CORE DIV GRWTH 46434V621 293 6,534 SH   SOLE   0 0 6,534
ISHARES TR CORE MSCI EAFE 46432F842 12,067 174,663 SH   SOLE   0 0 174,663
ISHARES TR CORE S&P MCP ETF 464287507 9,917 43,150 SH   SOLE   0 0 43,150
ISHARES TR CORE S&P SCP ETF 464287804 10,123 110,151 SH   SOLE   0 0 110,151
ISHARES TR CORE S&P US GWT 464287671 507 5,720 SH   SOLE   0 0 5,720
ISHARES TR CORE S&P500 ETF 464287200 23,919 63,717 SH   SOLE   0 0 63,717
ISHARES TR CORE US AGGBD ET 464287226 6,956 58,853 SH   SOLE   0 0 58,853
ISHARES TR EAFE GRWTH ETF 464288885 10,009 99,183 SH   SOLE   0 0 99,183
ISHARES TR ESG AWR MSCI USA 46435G425 21,288 247,452 SH   SOLE   0 0 247,452
ISHARES TR EXPND TEC SC ETF 464287549 612 1,750 SH   SOLE   0 0 1,750
ISHARES TR FLTG RATE NT ETF 46429B655 836 16,492 SH   SOLE   0 0 16,492
ISHARES TR GLOBAL TECH ETF 464287291 10,281 34,265 SH   SOLE   0 0 34,265
ISHARES TR IBOXX HI YD ETF 464288513 12,563 143,904 SH   SOLE   0 0 143,904
ISHARES TR IBOXX INV CP ETF 464287242 23,554 170,522 SH   SOLE   0 0 170,522
ISHARES TR ISHS 1-5YR INVS 464288646 6,917 125,376 SH   SOLE   0 0 125,376
ISHARES TR MBS ETF 464288588 11,956 108,566 SH   SOLE   0 0 108,566
ISHARES TR MRGSTR MD CP GRW 464288307 306 800 SH   SOLE   0 0 800
ISHARES TR MRNGSTR LG-CP GR 464287119 203 700 SH   SOLE   0 0 700
ISHARES TR MSCI EAFE MIN VL 46429B689 9,521 129,702 SH   SOLE   0 0 129,702
ISHARES TR MSCI USA MIN VOL 46429B697 15,054 221,774 SH   SOLE   0 0 221,774
ISHARES TR MSCI USA QLT FCT 46432F339 260 2,233 SH   SOLE   0 0 2,233
ISHARES TR MSCI USA VALUE 46432F388 5,843 67,229 SH   SOLE   0 0 67,229
ISHARES TR NATIONAL MUN ETF 464288414 1,284 10,954 SH   SOLE   0 0 10,954
ISHARES TR PFD AND INCM SEC 464288687 9,147 237,519 SH   SOLE   0 0 237,519
ISHARES TR RUS 1000 ETF 464287622 893 4,216 SH   SOLE   0 0 4,216
ISHARES TR RUS 1000 GRW ETF 464287614 458 1,901 SH   SOLE   0 0 1,901
ISHARES TR RUS 2000 GRW ETF 464287648 453 1,581 SH   SOLE   0 0 1,581
ISHARES TR RUS MD CP GR ETF 464287481 297 2,894 SH   SOLE   0 0 2,894
ISHARES TR S&P MC 400GR ETF 464287606 376 5,200 SH   SOLE   0 0 5,200
ISHARES TR SELECT DIVID ETF 464287168 12,253 127,399 SH   SOLE   0 0 127,399
ISHARES TR TIPS BD ETF 464287176 5,757 45,104 SH   SOLE   0 0 45,104
ISHARES TR TRANS AVG ETF 464287192 910 4,125 SH   SOLE   0 0 4,125
ISHARES TR U.S. MED DVC ETF 464288810 9,549 29,175 SH   SOLE   0 0 29,175
ISHARES TR U.S. REAL ES ETF 464287739 4,234 49,430 SH   SOLE   0 0 49,430
ISHARES TR U.S. TECH ETF 464287721 424 4,979 SH   SOLE   0 0 4,979
ISHARES TR US TREAS BD ETF 46429B267 9,771 358,705 SH   SOLE   0 0 358,705
ISHARES U S ETF TR BLACKROCK ST MAT 46431W507 314 6,250 SH   SOLE   0 0 6,250
JOHNSON & JOHNSON COM 478160104 827 5,252 SH   SOLE   0 0 5,252
JPMORGAN CHASE & CO COM 46625H100 956 7,520 SH   SOLE   0 0 7,520
MCDONALDS CORP COM 580135101 480 2,237 SH   SOLE   0 0 2,237
MEDTRONIC PLC SHS G5960L103 247 2,108 SH   SOLE   0 0 2,108
MERCK & CO. INC COM 58933Y105 285 3,487 SH   SOLE   0 0 3,487
MICROSOFT CORP COM 594918104 1,568 7,048 SH   SOLE   0 0 7,048
NUVEEN MUN VALUE FD INC COM 670928100 122 11,000 SH   SOLE   0 0 11,000
ORACLE CORP COM 68389X105 264 4,076 SH   SOLE   0 0 4,076
PAYCHEX INC COM 704326107 679 7,289 SH   SOLE   0 0 7,289
PEPSICO INC COM 713448108 205 1,381 SH   SOLE   0 0 1,381
PFIZER INC COM 717081103 345 9,371 SH   SOLE   0 0 9,371
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 666 6,527 SH   SOLE   0 0 6,527
PROCTER AND GAMBLE CO COM 742718109 587 4,215 SH   SOLE   0 0 4,215
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 792 4,925 SH   SOLE   0 0 4,925
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886 626 9,977 SH   SOLE   0 0 9,977
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100 769 10,624 SH   SOLE   0 0 10,624
SOUTHERN CO COM 842587107 276 4,494 SH   SOLE   0 0 4,494
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109 245 800 SH   SOLE   0 0 800
SPDR S&P 500 ETF TR TR UNIT 78462F103 14,517 38,829 SH   SOLE   0 0 38,829
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 2,488 5,926 SH   SOLE   0 0 5,926
SPDR SER TR S&P 600 SML CAP 78464A813 366 4,600 SH   SOLE   0 0 4,600
SPDR SER TR S&P DIVID ETF 78464A763 1,743 16,451 SH   SOLE   0 0 16,451
SPDR SER TR S&P HOMEBUILD 78464A888 876 15,196 SH   SOLE   0 0 15,196
STARBUCKS CORP COM 855244109 281 2,627 SH   SOLE   0 0 2,627
TARGET CORP COM 87612E106 353 2,000 SH   SOLE   0 0 2,000
TESLA INC COM 88160R101 466 660 SH   SOLE   0 0 660
VANECK VECTORS ETF TR SEMICONDUCTOR ET 92189F676 866 3,964 SH   SOLE   0 0 3,964
VANGUARD INDEX FDS GROWTH ETF 922908736 353 1,394 SH   SOLE   0 0 1,394
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 514 6,172 SH   SOLE   0 0 6,172
VANGUARD WORLD FDS INF TECH ETF 92204A702 1,133 3,203 SH   SOLE   0 0 3,203
VERIZON COMMUNICATIONS INC COM 92343V104 370 6,295 SH   SOLE   0 0 6,295
VISA INC COM CL A 92826C839 859 3,928 SH   SOLE   0 0 3,928
WALMART INC COM 931142103 672 4,663 SH   SOLE   0 0 4,663
WP CAREY INC COM 92936U109 268 3,797 SH   SOLE   0 0 3,797