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 240 123 SH   SOLE 0 0 123
AMGEN INC COM 031162100 596 2,940 SH   SOLE 0 0 2,940
ANNALY CAPITAL MANAGEMENT IN COM 035710409 73 14,362 SH   SOLE 0 0 14,362
APPLE INC COM 037833100 1,763 6,932 SH   SOLE 0 0 6,932
AT&T INC COM 00206R102 290 9,962 SH   SOLE 0 0 9,962
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 598 3,273 SH   SOLE 0 0 3,273
BOULDER GROWTH & INCOME FD I COM 101507101 98 10,684 SH   SOLE 0 0 10,684
COCA COLA CO COM 191216100 261 5,888 SH   SOLE 0 0 5,888
EXXON MOBIL CORP COM 30231G102 597 15,725 SH   SOLE 0 0 15,725
FIRST TR MORNINGSTAR DIVID L SHS 336917109 2,009 89,969 SH   SOLE 0 0 89,969
GENERAL ELECTRIC CO COM 369604103 95 11,990 SH   SOLE 0 0 11,990
INTEL CORP COM 458140100 328 6,064 SH   SOLE 0 0 6,064
INTERNATIONAL BUSINESS MACHS COM 459200101 297 2,676 SH   SOLE 0 0 2,676
INVESCO EXCHANGE TRADED FD T WILDERHIL CLAN 46137V134 534 19,913 SH   SOLE 0 0 19,913
INVESCO EXCHANGE TRADED FD T WATER RES ETF 46137V142 722 23,045 SH   SOLE 0 0 23,045
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 3,883 46,218 SH   SOLE 0 0 46,218
INVESCO EXCHANGE TRADED FD T INTL DIVI ACHI 46137V548 1,925 169,567 SH   SOLE 0 0 169,567
INVESCO EXCHANGE TRADED FD T ZACKS MULT AST 46137Y500 1,712 123,708 SH   SOLE 0 0 123,708
INVESCO EXCHANGE-TRADED FD T S&P500 LOW VOL 46138E354 584 12,437 SH   SOLE 0 0 12,437
INVESCO QQQ TR UNIT SER 1 46090E103 2,554 13,414 SH   SOLE 0 0 13,414
ISHARES INC MIN VOL GBL ETF 464286525 11,409 142,011 SH   SOLE 0 0 142,011
ISHARES INC CORE MSCI EMKT 46434G103 294 7,264 SH   SOLE 0 0 7,264
ISHARES INC ESG MSCI EM ETF 46434G863 512 18,689 SH   SOLE 0 0 18,689
ISHARES TR CORE S&P TTL STK 464287150 215 3,762 SH   SOLE 0 0 3,762
ISHARES TR SELECT DIVID ETF 464287168 11,569 157,310 SH   SOLE 0 0 157,310
ISHARES TR TIPS BD ETF 464287176 7,131 60,473 SH   SOLE 0 0 60,473
ISHARES TR CORE S&P500 ETF 464287200 3,226 12,484 SH   SOLE 0 0 12,484
ISHARES TR CORE US AGGBD ET 464287226 13,042 113,042 SH   SOLE 0 0 113,042
ISHARES TR IBOXX INV CP ETF 464287242 17,757 143,769 SH   SOLE 0 0 143,769
ISHARES TR GLOBAL TECH ETF 464287291 427 2,340 SH   SOLE 0 0 2,340
ISHARES TR 20 YR TR BD ETF 464287432 226 1,371 SH   SOLE 0 0 1,371
ISHARES TR 1 3 YR TREAS BD 464287457 15,023 173,331 SH   SOLE 0 0 173,331
ISHARES TR CORE S&P MCP ETF 464287507 8,104 56,332 SH   SOLE 0 0 56,332
ISHARES TR EXPND TEC SC ETF 464287549 371 1,750 SH   SOLE 0 0 1,750
ISHARES TR NASDAQ BIOTECH 464287556 841 7,807 SH   SOLE 0 0 7,807
ISHARES TR S&P MC 400GR ETF 464287606 232 1,300 SH   SOLE 0 0 1,300
ISHARES TR RUS 1000 GRW ETF 464287614 286 1,901 SH   SOLE 0 0 1,901
ISHARES TR RUS 1000 ETF 464287622 661 4,669 SH   SOLE 0 0 4,669
ISHARES TR RUS 2000 GRW ETF 464287648 297 1,877 SH   SOLE 0 0 1,877
ISHARES TR CORE S&P US GWT 464287671 327 5,720 SH   SOLE 0 0 5,720
ISHARES TR U.S. TECH ETF 464287721 254 1,245 SH   SOLE 0 0 1,245
ISHARES TR U.S. REAL ES ETF 464287739 10,279 147,745 SH   SOLE 0 0 147,745
ISHARES TR CORE S&P SCP ETF 464287804 5,528 98,523 SH   SOLE 0 0 98,523
ISHARES TR NATIONAL MUN ETF 464288414 1,108 9,805 SH   SOLE 0 0 9,805
ISHARES TR IBOXX HI YD ETF 464288513 19,134 248,274 SH   SOLE 0 0 248,274
ISHARES TR MBS ETF 464288588 12,277 111,164 SH   SOLE 0 0 111,164
ISHARES TR INTRM TR CRP ETF 464288638 520 9,466 SH   SOLE 0 0 9,466
ISHARES TR PFD AND INCM SEC 464288687 13,115 411,893 SH   SOLE 0 0 411,893
ISHARES TR US TREAS BD ETF 46429B267 1,552 55,404 SH   SOLE 0 0 55,404
ISHARES TR FLTG RATE NT ETF 46429B655 1,324 27,166 SH   SOLE 0 0 27,166
ISHARES TR MIN VOL EAFE ETF 46429B689 4,482 72,235 SH   SOLE 0 0 72,235
ISHARES TR MSCI MIN VOL ETF 46429B697 24,613 455,714 SH   SOLE 0 0 455,714
ISHARES TR USA QUALITY FCTR 46432F339 805 9,936 SH   SOLE 0 0 9,936
ISHARES TR USA SIZE FACTOR 46432F370 370 5,180 SH   SOLE 0 0 5,180
ISHARES TR CORE MSCI EAFE 46432F842 10,492 210,296 SH   SOLE 0 0 210,296
ISHARES TR 0-5YR HI YL CP 46434V407 288 7,045 SH   SOLE 0 0 7,045
ISHARES TR ESG MSCI USA ETF 46435G425 818 14,229 SH   SOLE 0 0 14,229
ISHARES U S ETF TR SHT MAT BD ETF 46431W507 329 6,791 SH   SOLE 0 0 6,791
JOHNSON & JOHNSON COM 478160104 688 5,250 SH   SOLE 0 0 5,250
JPMORGAN CHASE & CO COM 46625H100 679 7,539 SH   SOLE 0 0 7,539
MERCK & CO. INC COM 58933Y105 257 3,338 SH   SOLE 0 0 3,338
MICROSOFT CORP COM 594918104 650 4,123 SH   SOLE 0 0 4,123
NUVEEN MUN VALUE FD INC COM 670928100 107 11,000 SH   SOLE 0 0 11,000
ORACLE CORP COM 68389X105 207 4,287 SH   SOLE 0 0 4,287
PAYCHEX INC COM 704326107 674 10,705 SH   SOLE 0 0 10,705
PFIZER INC COM 717081103 301 9,207 SH   SOLE 0 0 9,207
PROCTER & GAMBLE CO COM 742718109 463 4,210 SH   SOLE 0 0 4,210
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 870 9,826 SH   SOLE 0 0 9,826
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886 478 8,635 SH   SOLE 0 0 8,635
SOUTHERN CO COM 842587107 243 4,484 SH   SOLE 0 0 4,484
SPDR INDEX SHS FDS DJ INTL RL ETF 78463X863 1,632 60,961 SH   SOLE 0 0 60,961
SPDR S&P 500 ETF TR TR UNIT 78462F103 20,155 78,196 SH   SOLE 0 0 78,196
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 1,119 4,257 SH   SOLE 0 0 4,257
SPDR SER TR S&P DIVID ETF 78464A763 1,521 19,041 SH   SOLE 0 0 19,041
SPDR SER TR S&P 600 SML CAP 78464A813 271 5,600 SH   SOLE 0 0 5,600
VANGUARD INDEX FDS GROWTH ETF 922908736 335 2,141 SH   SOLE 0 0 2,141
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 490 6,197 SH   SOLE 0 0 6,197
VANGUARD WORLD FDS INF TECH ETF 92204A702 795 3,751 SH   SOLE 0 0 3,751
VERIZON COMMUNICATIONS INC COM 92343V104 345 6,421 SH   SOLE 0 0 6,421
WP CAREY INC COM 92936U109 221 3,797 SH   SOLE 0 0 3,797