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
CHUBB LIMITED COM H1467J104 486 2,272 SH   SOLE   0 0 2,272
TRANE TECHNOLOGIES PLC SHS G8994E103 572 3,748 SH   SOLE   0 0 3,748
APTIV PLC SHS G6095L109 966 8,072 SH   SOLE   0 0 8,072
MEDTRONIC PLC SHS G5960L103 630 5,678 SH   SOLE   0 0 5,678
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 233 692 SH   SOLE   0 0 692
ZOETIS INC CL A 98978V103 420 2,226 SH   SOLE   0 0 2,226
WYNDHAM HOTELS & RESORTS INC COM 98311A105 219 2,580 SH   SOLE   0 0 2,580
WP CAREY INC COM 92936U109 570 7,053 SH   SOLE   0 0 7,053
VISA INC COM CL A 92826C839 307 1,383 SH   SOLE   0 0 1,383
VERIZON COMMUNICATIONS INC COM 92343V104 2,323 45,609 SH   SOLE   0 0 45,609
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 1,196 13,896 SH   SOLE   0 0 13,896
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 4,262 54,573 SH   SOLE   0 0 54,573
VANECK VECTORS ETF TR HIGH YLD MUN ETF 92189H409 1,828 31,854 SH   SOLE   0 0 31,854
VANECK VECTORS ETF TR SHRT HGH YLD MUN 92189F387 279 11,995 SH   SOLE   0 0 11,995
VALERO ENERGY CORP COM 91913Y100 927 9,125 SH   SOLE   0 0 9,125
UNITEDHEALTH GROUP INC COM 91324P102 255 500 SH   SOLE   0 0 500
3M CO COM 88579Y101 596 4,000 SH   SOLE   0 0 4,000
TESLA INC COM 88160R101 550 510 SH   SOLE   0 0 510
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 1,592 10,019 SH   SOLE   0 0 10,019
SELECT SECTOR SPDR TR SBI INT-FINL 81369Y605 2,377 62,037 SH   SOLE   0 0 62,037
SELECT SECTOR SPDR TR ENERGY 81369Y506 308 4,026 SH   SOLE   0 0 4,026
SALESFORCE COM INC COM 79466L302 261 1,229 SH   SOLE   0 0 1,229
SVB FINANCIAL GROUP COM 78486Q101 309 552 SH   SOLE   0 0 552
SPDR SER TR NUVEEN BLMBRG SR 78468R739 1,941 41,000 SH   SOLE   0 0 41,000
SPDR SER TR NUVEEN BRC MUNIC 78468R721 568 11,858 SH   SOLE   0 0 11,858
SPDR SER TR BLOOMBERG SRT TR 78468R408 2,475 94,334 SH   SOLE   0 0 94,334
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 7,648 15,593 SH   SOLE   0 0 15,593
SSGA ACTIVE ETF TR BLACKSTONE SENR 78467V608 851 18,934 SH   SOLE   0 0 18,934
SPDR GOLD TR GOLD SHS 78463V107 1,146 6,345 SH   SOLE   0 0 6,345
SPDR S&P 500 ETF TR TR UNIT 78462F103 5,165 11,436 SH   SOLE   0 0 11,436
PAYPAL HLDGS INC COM 70450Y103 873 7,552 SH   SOLE   0 0 7,552
ORACLE CORP COM 68389X105 236 2,857 SH   SOLE   0 0 2,857
NVIDIA CORPORATION COM 67066G104 17,708 64,899 SH   SOLE   0 0 64,899
NOVARTIS AG SPONSORED ADR 66987V109 274 3,124 SH   SOLE   0 0 3,124
METLIFE INC COM 59156R108 682 9,708 SH   SOLE   0 0 9,708
MERCK & CO. INC COM 58933Y105 1,010 12,309 SH   SOLE   0 0 12,309
MCKESSON CORP COM 58155Q103 2,465 8,053 SH   SOLE   0 0 8,053
MASTERCARD INCORPORATED CL A 57636Q104 3,314 9,272 SH   SOLE   0 0 9,272
JPMORGAN CHASE & CO COM 46625H100 3,883 28,482 SH   SOLE   0 0 28,482
ISHARES TR MSCI USA MMENTM 46432F396 1,218 7,240 SH   SOLE   0 0 7,240
ISHARES TR MSCI USA QLT FCT 46432F339 1,291 9,588 SH   SOLE   0 0 9,588
ISHARES TR MSCI USA MIN VOL 46429B697 1,074 13,849 SH   SOLE   0 0 13,849
ISHARES TR MSCI EAFE MIN VL 46429B689 1,303 18,063 SH   SOLE   0 0 18,063
ISHARES TR FLTG RATE NT ETF 46429B655 2,021 39,996 SH   SOLE   0 0 39,996
INVESCO EXCH TRADED FD TR II VAR RATE PFD 46138G870 2,270 92,862 SH   SOLE   0 0 92,862
INVESCO EXCH TRADED FD TR II SR LN ETF 46138G508 1,198 55,025 SH   SOLE   0 0 55,025
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 4,641 29,429 SH   SOLE   0 0 29,429
HP INC COM 40434L105 1,503 41,400 SH   SOLE   0 0 41,400
GLOBAL X FDS US INFR DEV ETF 37954Y673 2,146 75,900 SH   SOLE   0 0 75,900
FIDELITY NATIONAL FINANCIAL FNF GROUP COM 31620R303 570 11,666 SH   SOLE   0 0 11,666
FACEBOOK INC CL A 30303M102 1,203 5,408 SH   SOLE   0 0 5,408
EXXON MOBIL CORP COM 30231G102 34,076 412,588 SH   SOLE   0 0 412,588
COSTCO WHSL CORP NEW COM 22160K105 1,006 1,747 SH   SOLE   0 0 1,747
CONSTELLATION BRANDS INC CL A 21036P108 4,077 17,700 SH   SOLE   0 0 17,700
CONOCOPHILLIPS COM 20825C104 263 2,631 SH   SOLE   0 0 2,631
CISCO SYS INC COM 17275R102 2,556 45,847 SH   SOLE   0 0 45,847
CAPITAL ONE FINL CORP COM 14040H105 1,587 12,085 SH   SOLE   0 0 12,085
C H ROBINSON WORLDWIDE INC COM NEW 12541W209 612 5,686 SH   SOLE   0 0 5,686
BROADCOM INC COM 11135F101 690 1,096 SH   SOLE   0 0 1,096
BLACKSTONE GROUP INC COM 09260D107 667 5,254 SH   SOLE   0 0 5,254
AMERIPRISE FINL INC COM 03076C106 1,359 4,525 SH   SOLE   0 0 4,525
ALTRIA GROUP INC COM 02209S103 686 13,133 SH   SOLE   0 0 13,133
ALPHABET INC CAP STK CL A 02079K305 4,625 1,663 SH   SOLE   0 0 1,663
ALPHABET INC CAP STK CL C 02079K107 855 306 SH   SOLE   0 0 306
ABBVIE INC COM 00287Y109 663 4,089 SH   SOLE   0 0 4,089
TRAVELERS COMPANIES INC COM 89417E109 1,821 9,966 SH   SOLE   0 0 9,966
TARGET CORP COM 87612E106 2,994 14,110 SH   SOLE   0 0 14,110
INVESCO QQQ TR UNIT SER 1 46090E103 2,921 8,057 SH   SOLE   0 0 8,057
QUANTA SVCS INC COM 74762E102 2,840 21,578 SH   SOLE   0 0 21,578
RAYTHEON TECHNOLOGIES CORP COM 75513E101 501 5,055 SH   SOLE   0 0 5,055
WALMART INC COM 931142103 1,887 12,675 SH   SOLE   0 0 12,675
VANGUARD INDEX FDS SMALL CP ETF 922908751 5,822 27,397 SH   SOLE   0 0 27,397
VANGUARD INDEX FDS VALUE ETF 922908744 515 3,483 SH   SOLE   0 0 3,483
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 321 2,862 SH   SOLE   0 0 2,862
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 224 1,380 SH   SOLE   0 0 1,380
UNION PAC CORP COM 907818108 1,460 5,345 SH   SOLE   0 0 5,345
TYSON FOODS INC CL A 902494103 2,017 22,502 SH   SOLE   0 0 22,502
THERMO FISHER SCIENTIFIC INC COM 883556102 4,607 7,800 SH   SOLE   0 0 7,800
TEXAS INSTRS INC COM 882508104 618 3,366 SH   SOLE   0 0 3,366
TJX COS INC NEW COM 872540109 233 3,850 SH   SOLE   0 0 3,850
SYSCO CORP COM 871829107 349 4,280 SH   SOLE   0 0 4,280
SYNOPSYS INC COM 871607107 836 2,507 SH   SOLE   0 0 2,507
STRYKER CORPORATION COM 863667101 1,037 3,880 SH   SOLE   0 0 3,880
STANLEY BLACK & DECKER INC COM 854502101 1,109 7,936 SH   SOLE   0 0 7,936
SNOWFLAKE INC CL A 833445109 314 1,369 SH   SOLE   0 0 1,369
SMUCKER J M CO COM NEW 832696405 513 3,792 SH   SOLE   0 0 3,792
SHERWIN WILLIAMS CO COM 824348106 236 945 SH   SOLE   0 0 945
ROPER TECHNOLOGIES INC COM 776696106 2,343 4,961 SH   SOLE   0 0 4,961
PUBLIC SVC ENTERPRISE GRP IN COM 744573106 2,079 29,696 SH   SOLE   0 0 29,696
PROCTER AND GAMBLE CO COM 742718109 1,816 11,888 SH   SOLE   0 0 11,888
PFIZER INC COM 717081103 2,794 53,964 SH   SOLE   0 0 53,964
PEPSICO INC COM 713448108 215 1,285 SH   SOLE   0 0 1,285
MICROCHIP TECHNOLOGY INC. COM 595017104 983 13,082 SH   SOLE   0 0 13,082
MICROSOFT CORP COM 594918104 4,556 14,776 SH   SOLE   0 0 14,776
MCDONALDS CORP COM 580135101 2,149 8,689 SH   SOLE   0 0 8,689
LOWES COS INC COM 548661107 2,173 10,746 SH   SOLE   0 0 10,746
LILLY ELI & CO COM 532457108 1,465 5,116 SH   SOLE   0 0 5,116
L3HARRIS TECHNOLOGIES INC COM 502431109 531 2,138 SH   SOLE   0 0 2,138
LKQ CORP COM 501889208 1,044 22,993 SH   SOLE   0 0 22,993
KRANESHARES TR GLOBAL CARBON 500767678 768 16,465 SH   SOLE   0 0 16,465
KLA CORP COM NEW 482480100 1,190 3,250 SH   SOLE   0 0 3,250
JOHNSON & JOHNSON COM 478160104 1,474 8,318 SH   SOLE   0 0 8,318
ISHARES TR US HOME CONS ETF 464288752 1,416 23,896 SH   SOLE   0 0 23,896
ISHARES TR PFD AND INCM SEC 464288687 760 20,856 SH   SOLE   0 0 20,856
ISHARES TR ISHS 5-10YR INVT 464288638 688 12,531 SH   SOLE   0 0 12,531
ISHARES TR NATIONAL MUN ETF 464288414 219 1,994 SH   SOLE   0 0 1,994
ISHARES TR CORE S&P SCP ETF 464287804 475 4,407 SH   SOLE   0 0 4,407
ISHARES TR U.S. TECH ETF 464287721 258 2,505 SH   SOLE   0 0 2,505
ISHARES TR RUSSELL 2000 ETF 464287655 5,266 25,656 SH   SOLE   0 0 25,656
ISHARES TR RUS 1000 ETF 464287622 1,169 4,676 SH   SOLE   0 0 4,676
ISHARES TR RUS 1000 GRW ETF 464287614 1,710 6,160 SH   SOLE   0 0 6,160
ISHARES TR COHEN STEER REIT 464287564 1,455 20,494 SH   SOLE   0 0 20,494
ISHARES TR MSCI EAFE ETF 464287465 707 9,605 SH   SOLE   0 0 9,605
ISHARES TR 1 3 YR TREAS BD 464287457 781 9,367 SH   SOLE   0 0 9,367
ISHARES TR MSCI EMG MKT ETF 464287234 2,530 56,044 SH   SOLE   0 0 56,044
ISHARES TR CORE US AGGBD ET 464287226 7,410 69,187 SH   SOLE   0 0 69,187
ISHARES TR CORE S&P500 ETF 464287200 10,323 22,754 SH   SOLE   0 0 22,754
ISHARES TR TIPS BD ETF 464287176 1,677 13,464 SH   SOLE   0 0 13,464
ISHARES TR SELECT DIVID ETF 464287168 677 5,284 SH   SOLE   0 0 5,284
INTERNATIONAL BUSINESS MACHS COM 459200101 442 3,401 SH   SOLE   0 0 3,401
INTEL CORP COM 458140100 1,775 35,811 SH   SOLE   0 0 35,811
HASBRO INC COM 418056107 584 7,131 SH   SOLE   0 0 7,131
GILEAD SCIENCES INC COM 375558103 1,144 19,248 SH   SOLE   0 0 19,248
GENERAL DYNAMICS CORP COM 369550108 812 3,368 SH   SOLE   0 0 3,368
FISERV INC COM 337738108 2,673 26,361 SH   SOLE   0 0 26,361
EMERSON ELEC CO COM 291011104 366 3,730 SH   SOLE   0 0 3,730
ECOLAB INC COM 278865100 575 3,255 SH   SOLE   0 0 3,255
EBAY INC. COM 278642103 230 4,015 SH   SOLE   0 0 4,015
EASTGROUP PPTYS INC COM 277276101 222 1,091 SH   SOLE   0 0 1,091
DOW INC COM 260557103 655 10,285 SH   SOLE   0 0 10,285
DISNEY WALT CO COM 254687106 2,257 16,456 SH   SOLE   0 0 16,456
DARDEN RESTAURANTS INC COM 237194105 2,175 16,359 SH   SOLE   0 0 16,359
DANAHER CORPORATION COM 235851102 1,552 5,292 SH   SOLE   0 0 5,292
DTE ENERGY CO COM 233331107 1,415 10,699 SH   SOLE   0 0 10,699
CUMMINS INC COM 231021106 1,423 6,937 SH   SOLE   0 0 6,937
COCA COLA CO COM 191216100 1,351 21,790 SH   SOLE   0 0 21,790
CLEVELAND-CLIFFS INC NEW COM 185899101 389 12,092 SH   SOLE   0 0 12,092
CITIGROUP INC COM NEW 172967424 669 12,527 SH   SOLE   0 0 12,527
CHEVRON CORP NEW COM 166764100 9,771 60,008 SH   SOLE   0 0 60,008
CATERPILLAR INC COM 149123101 346 1,553 SH   SOLE   0 0 1,553
CARGURUS INC COM CL A 141788109 212 5,000 SH   SOLE   0 0 5,000
CVS HEALTH CORP COM 126650100 2,118 20,923 SH   SOLE   0 0 20,923
CF INDS HLDGS INC COM 125269100 1,587 15,396 SH   SOLE   0 0 15,396
BRISTOL-MYERS SQUIBB CO COM 110122108 643 8,803 SH   SOLE   0 0 8,803
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 412 1,168 SH   SOLE   0 0 1,168
BANK NEW YORK MELLON CORP COM 064058100 207 4,180 SH   SOLE   0 0 4,180
BK OF AMERICA CORP COM 060505104 2,650 64,295 SH   SOLE   0 0 64,295
BP PLC SPONSORED ADR 055622104 325 11,044 SH   SOLE   0 0 11,044
AUTOMATIC DATA PROCESSING IN COM 053015103 259 1,137 SH   SOLE   0 0 1,137
APPLE INC COM 037833100 20,828 119,282 SH   SOLE   0 0 119,282
ANALOG DEVICES INC COM 032654105 226 1,366 SH   SOLE   0 0 1,366
AMERICAN WTR WKS CO INC NEW COM 030420103 251 1,515 SH   SOLE   0 0 1,515
AMAZON COM INC COM 023135106 2,888 886 SH   SOLE   0 0 886
ALLSTATE CORP COM 020002101 2,002 14,452 SH   SOLE   0 0 14,452
ALBERTSONS COS INC COMMON STOCK 013091103 578 17,397 SH   SOLE   0 0 17,397
ABBOTT LABS COM 002824100 364 3,076 SH   SOLE   0 0 3,076