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 248 134 SH   SOLE 0 0 134
AMGEN INC COM 031162100 708 2,939 SH   SOLE 0 0 2,939
ANNALY CAP MGMT INC COM 035710409 143 15,187 SH   SOLE 0 0 15,187
APPLE INC COM 037833100 3,796 12,928 SH   SOLE 0 0 12,928
AT&T INC COM 00206R102 403 10,317 SH   SOLE 0 0 10,317
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 766 3,383 SH   SOLE 0 0 3,383
BOEING CO COM 097023105 1,004 3,081 SH   SOLE 0 0 3,081
BOULDER GROWTH & INCOME FD I COM 101507101 125 10,591 SH   SOLE 0 0 10,591
CHEVRON CORP NEW COM 166764100 371 3,079 SH   SOLE 0 0 3,079
COCA COLA CO COM 191216100 597 10,788 SH   SOLE 0 0 10,788
CSX CORP COM 126408103 217 3,000 SH   SOLE 0 0 3,000
CVS HEALTH CORP COM 126650100 247 3,323 SH   SOLE 0 0 3,323
DEERE & CO COM 244199105 243 1,400 SH   SOLE 0 0 1,400
DISNEY WALT CO COM DISNEY 254687106 215 1,486 SH   SOLE 0 0 1,486
DUNKIN BRANDS GROUP INC COM 265504100 428 5,669 SH   SOLE 0 0 5,669
EASTMAN CHEMICAL CO COM 277432100 295 3,726 SH   SOLE 0 0 3,726
EXXON MOBIL CORP COM 30231G102 1,111 15,924 SH   SOLE 0 0 15,924
FIRST TR MORNINGSTAR DIV LEA SHS 336917109 2,673 82,043 SH   SOLE 0 0 82,043
GENERAL ELECTRIC CO COM 369604103 133 11,961 SH   SOLE 0 0 11,961
INTEL CORP COM 458140100 362 6,055 SH   SOLE 0 0 6,055
INTERNATIONAL BUSINESS MACHS COM 459200101 466 3,476 SH   SOLE 0 0 3,476
INVESCO EXCHANGE TRADED FD T WATER RES ETF 46137V142 895 23,167 SH   SOLE 0 0 23,167
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 22,360 193,227 SH   SOLE 0 0 193,227
INVESCO EXCHANGE TRADED FD T INTL DIVI ACHI 46137V548 2,648 155,177 SH   SOLE 0 0 155,177
INVESCO EXCHANGE TRADED FD T ZACKS MULT AST 46137Y500 2,634 112,495 SH   SOLE 0 0 112,495
INVESCO EXCHNG TRADED FD TR S&P500 LOW VOL 46138E354 876 15,014 SH   SOLE 0 0 15,014
INVESCO QQQ TR UNIT SER 1 46090E103 2,922 13,745 SH   SOLE 0 0 13,745
ISHARES INC MIN VOL GBL ETF 464286525 14,082 146,950 SH   SOLE 0 0 146,950
ISHARES INC CORE MSCI EMKT 46434G103 1,094 20,353 SH   SOLE 0 0 20,353
ISHARES TR CORE S&P TTL STK 464287150 593 8,165 SH   SOLE 0 0 8,165
ISHARES TR SELECT DIVID ETF 464287168 22,796 215,753 SH   SOLE 0 0 215,753
ISHARES TR TIPS BD ETF 464287176 7,071 60,656 SH   SOLE 0 0 60,656
ISHARES TR CORE S&P500 ETF 464287200 3,675 11,369 SH   SOLE 0 0 11,369
ISHARES TR CORE US AGGBD ET 464287226 12,897 114,776 SH   SOLE 0 0 114,776
ISHARES TR IBOXX INV CP ETF 464287242 18,594 145,313 SH   SOLE 0 0 145,313
ISHARES TR GLOBAL TECH ETF 464287291 606 2,881 SH   SOLE 0 0 2,881
ISHARES TR S&P 500 GRWT ETF 464287309 2,841 14,672 SH   SOLE 0 0 14,672
ISHARES TR 20 YR TR BD ETF 464287432 297 2,192 SH   SOLE 0 0 2,192
ISHARES TR 1 3 YR TREAS BD 464287457 14,077 166,331 SH   SOLE 0 0 166,331
ISHARES TR RUS MD CP GR ETF 464287481 231 1,517 SH   SOLE 0 0 1,517
ISHARES TR CORE S&P MCP ETF 464287507 18,375 89,275 SH   SOLE 0 0 89,275
ISHARES TR EXPND TEC SC ETF 464287549 521 2,150 SH   SOLE 0 0 2,150
ISHARES TR NASDAQ BIOTECH 464287556 940 7,804 SH   SOLE 0 0 7,804
ISHARES TR S&P MC 400GR ETF 464287606 310 1,300 SH   SOLE 0 0 1,300
ISHARES TR RUS 1000 GRW ETF 464287614 334 1,901 SH   SOLE 0 0 1,901
ISHARES TR RUS 1000 ETF 464287622 826 4,629 SH   SOLE 0 0 4,629
ISHARES TR RUS 2000 GRW ETF 464287648 402 1,875 SH   SOLE 0 0 1,875
ISHARES TR CORE S&P US GWT 464287671 421 6,220 SH   SOLE 0 0 6,220
ISHARES TR U.S. TECH ETF 464287721 290 1,245 SH   SOLE 0 0 1,245
ISHARES TR U.S. REAL ES ETF 464287739 13,817 148,444 SH   SOLE 0 0 148,444
ISHARES TR CORE S&P SCP ETF 464287804 12,112 144,452 SH   SOLE 0 0 144,452
ISHARES TR MRGSTR MD CP GRW 464288307 210 800 SH   SOLE 0 0 800
ISHARES TR NATIONAL MUN ETF 464288414 1,114 9,776 SH   SOLE 0 0 9,776
ISHARES TR IBOXX HI YD ETF 464288513 21,847 248,434 SH   SOLE 0 0 248,434
ISHARES TR MBS ETF 464288588 12,361 114,394 SH   SOLE 0 0 114,394
ISHARES TR INTRM TR CRP ETF 464288638 611 10,541 SH   SOLE 0 0 10,541
ISHARES TR PFD AND INCM SEC 464288687 15,425 410,349 SH   SOLE 0 0 410,349
ISHARES TR US TREAS BD ETF 46429B267 1,567 60,420 SH   SOLE 0 0 60,420
ISHARES TR FLTG RATE NT ETF 46429B655 1,269 24,927 SH   SOLE 0 0 24,927
ISHARES TR MIN VOL EAFE ETF 46429B689 11,156 149,665 SH   SOLE 0 0 149,665
ISHARES TR MSCI MIN VOL ETF 46429B697 23,569 359,285 SH   SOLE 0 0 359,285
ISHARES TR USA QUALITY FCTR 46432F339 892 8,827 SH   SOLE 0 0 8,827
ISHARES TR USA SIZE FACTOR 46432F370 670 6,883 SH   SOLE 0 0 6,883
ISHARES TR CORE MSCI EAFE 46432F842 18,579 284,782 SH   SOLE 0 0 284,782
ISHARES US ETF TR SHT MAT BD ETF 46431W507 381 7,582 SH   SOLE 0 0 7,582
JOHNSON & JOHNSON COM 478160104 775 5,314 SH   SOLE 0 0 5,314
JPMORGAN CHASE & CO COM 46625H100 1,028 7,376 SH   SOLE 0 0 7,376
L3HARRIS TECHNOLOGIES INC COM 502431109 396 2,000 SH   SOLE 0 0 2,000
MCDONALDS CORP COM 580135101 1,092 5,526 SH   SOLE 0 0 5,526
MEDTRONIC PLC SHS G5960L103 217 1,909 SH   SOLE 0 0 1,909
MERCK & CO INC COM 58933Y105 303 3,331 SH   SOLE 0 0 3,331
MICROSOFT CORP COM 594918104 1,152 7,307 SH   SOLE 0 0 7,307
NUVEEN MUN VALUE FD INC COM 670928100 118 11,000 SH   SOLE 0 0 11,000
ORACLE CORP COM 68389X105 229 4,321 SH   SOLE 0 0 4,321
PAYCHEX INC COM 704326107 911 10,714 SH   SOLE 0 0 10,714
PFIZER INC COM 717081103 372 9,489 SH   SOLE 0 0 9,489
PROCTER & GAMBLE CO COM 742718109 526 4,208 SH   SOLE 0 0 4,208
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 1,022 10,037 SH   SOLE 0 0 10,037
SELECT SECTOR SPDR TR SBI INT-FINL 81369Y605 1,155 37,512 SH   SOLE 0 0 37,512
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886 588 9,099 SH   SOLE 0 0 9,099
SHOPIFY INC CL A 82509L107 1,353 3,402 SH   SOLE 0 0 3,402
SOUTHERN CO COM 842587107 270 4,237 SH   SOLE 0 0 4,237
SPDR DOW JONES INDL AVRG ETF UT SER 1 78467X109 228 800 SH   SOLE 0 0 800
SPDR INDEX SHS FDS DJ INTL RL ETF 78463X863 4,534 116,881 SH   SOLE 0 0 116,881
SPDR S&P 500 ETF TR TR UNIT 78462F103 26,265 81,602 SH   SOLE 0 0 81,602
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 1,636 4,357 SH   SOLE 0 0 4,357
SPDR SERIES TRUST S&P DIVID ETF 78464A763 2,048 19,041 SH   SOLE 0 0 19,041
SPDR SERIES TRUST S&P 600 SML CAP 78464A813 406 5,600 SH   SOLE 0 0 5,600
SPDR SERIES TRUST S&P HOMEBUILD 78464A888 838 18,411 SH   SOLE 0 0 18,411
STARBUCKS CORP COM 855244109 546 6,209 SH   SOLE 0 0 6,209
VANGUARD INDEX FDS GROWTH ETF 922908736 390 2,141 SH   SOLE 0 0 2,141
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 502 6,193 SH   SOLE 0 0 6,193
VANGUARD WORLD FDS INF TECH ETF 92204A702 927 3,788 SH   SOLE 0 0 3,788
VERIZON COMMUNICATIONS INC COM 92343V104 377 6,137 SH   SOLE 0 0 6,137
VISA INC COM CL A 92826C839 989 5,265 SH   SOLE 0 0 5,265
W P CAREY INC COM 92936U109 304 3,797 SH   SOLE 0 0 3,797
WALMART INC COM 931142103 533 4,483 SH   SOLE 0 0 4,483