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
PHILIP MORRIS INTL INC COM 718172109 306 4,371 SH   SOLE   0 0 4,371
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 3,275 63,292 SH   SOLE   0 0 63,292
ALTRIA GROUP INC COM 02209S103 399 10,159 SH   SOLE   0 0 10,159
INVESCO QQQ TR UNIT SER 1 46090E103 315 1,275 SH   SOLE   0 0 1,275
VERIZON COMMUNICATIONS INC COM 92343V104 1,027 18,633 SH   SOLE   0 0 18,633
ISHARES TR GRWT ALLOCAT ETF 464289867 1,796 38,704 SH   SOLE   0 0 38,704
BROADRIDGE FINL SOLUTIONS IN COM 11133T103 2,707 21,453 SH   SOLE   0 0 21,453
DAVITA INC COM 23918K108 474 5,982 SH   SOLE   0 0 5,982
VANGUARD ADMIRAL FDS INC SMLLCP 600 IDX 921932828 253 2,023 SH   SOLE   0 0 2,023
EXXON MOBIL CORP COM 30231G102 650 14,536 SH   SOLE   0 0 14,536
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 5,768 114,955 SH   SOLE   0 0 114,955
HERSHEY CO COM 427866108 230 1,775 SH   SOLE   0 0 1,775
GENERAL ELECTRIC CO COM 369604103 251 36,641 SH   SOLE   0 0 36,641
MERCK & CO. INC COM 58933Y105 1,597 20,652 SH   SOLE   0 0 20,652
ABBOTT LABS COM 002824100 754 8,246 SH   SOLE   0 0 8,246
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 2,153 28,784 SH   SOLE   0 0 28,784
ISHARES TR RUS 1000 VAL ETF 464287598 630 5,588 SH   SOLE   0 0 5,588
SYSCO CORP COM 871829107 227 4,155 SH   SOLE   0 0 4,155
BOOKING HOLDINGS INC COM 09857L108 622 391 SH   SOLE   0 0 391
VANGUARD WORLD FDS UTILITIES ETF 92204A876 309 2,500 SH   SOLE   0 0 2,500
COLGATE PALMOLIVE CO COM 194162103 352 4,804 SH   SOLE   0 0 4,804
AMAZON COM INC COM 023135106 9,832 3,564 SH   SOLE   0 0 3,564
TESLA INC COM 88160R101 436 404 SH   SOLE   0 0 404
DUNKIN BRANDS GROUP INC COM 265504100 775 11,873 SH   SOLE   0 0 11,873
AUTOMATIC DATA PROCESSING IN COM 053015103 2,461 16,533 SH   SOLE   0 0 16,533
PROCTER AND GAMBLE CO COM 742718109 1,808 15,126 SH   SOLE   0 0 15,126
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 3,180 11,217 SH   SOLE   0 0 11,217
NOVARTIS AG SPONSORED ADR 66987V109 278 3,183 SH   SOLE   0 0 3,183
MICROSOFT CORP COM 594918104 1,292 6,349 SH   SOLE   0 0 6,349
CISCO SYS INC COM 17275R102 312 6,688 SH   SOLE   0 0 6,688
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 1,602 20,331 SH   SOLE   0 0 20,331
3M CO COM 88579Y101 2,048 13,127 SH   SOLE   0 0 13,127
UNITEDHEALTH GROUP INC COM 91324P102 209 709 SH   SOLE   0 0 709
ALPHABET INC CAP STK CL A 02079K305 5,045 3,558 SH   SOLE   0 0 3,558
SPDR GOLD TR GOLD SHS 78463V107 209 1,250 SH   SOLE   0 0 1,250
CATERPILLAR INC DEL COM 149123101 376 2,970 SH   SOLE   0 0 2,970
VISA INC COM CL A 92826C839 445 2,303 SH   SOLE   0 0 2,303
TRANE TECHNOLOGIES PLC SHS G8994E103 269 3,022 SH   SOLE   0 0 3,022
ISHARES TR NASDAQ BIOTECH 464287556 629 4,603 SH   SOLE   0 0 4,603
ABBVIE INC COM 00287Y109 893 9,094 SH   SOLE   0 0 9,094
FACEBOOK INC CL A 30303M102 3,753 16,525 SH   SOLE   0 0 16,525
VANGUARD INDEX FDS TOTAL STK MKT 922908769 13,261 84,718 SH   SOLE   0 0 84,718
AT&T INC COM 00206R102 406 13,447 SH   SOLE   0 0 13,447
INTERNATIONAL BUSINESS MACHS COM 459200101 292 2,417 SH   SOLE   0 0 2,417
AMERICAN INTL GROUP INC COM NEW 026874784 438 14,045 SH   SOLE   0 0 14,045
ISHARES TR PFD AND INCM SEC 464288687 928 26,780 SH   SOLE   0 0 26,780
BRISTOL-MYERS SQUIBB CO COM 110122108 420 7,141 SH   SOLE   0 0 7,141
BK OF AMERICA CORP COM 060505104 225 9,467 SH   SOLE   0 0 9,467
JOHNSON & JOHNSON COM 478160104 5,012 35,640 SH   SOLE   0 0 35,640
CONSOLIDATED EDISON INC COM 209115104 230 3,200 SH   SOLE   0 0 3,200
KIMBERLY CLARK CORP COM 494368103 484 3,425 SH   SOLE   0 0 3,425
VANGUARD INDEX FDS SMALL CP ETF 922908751 415 2,849 SH   SOLE   0 0 2,849
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704 206 2,999 SH   SOLE   0 0 2,999
ECOLAB INC COM 278865100 4,686 23,555 SH   SOLE   0 0 23,555
PUBLIC SVC ENTERPRISE GRP IN COM 744573106 556 11,305 SH   SOLE   0 0 11,305
SALESFORCE COM INC COM 79466L302 391 2,090 SH   SOLE   0 0 2,090
CLOROX CO DEL COM 189054109 1,021 4,652 SH   SOLE   0 0 4,652
KRAFT HEINZ CO COM 500754106 240 7,510 SH   SOLE   0 0 7,510
MONDELEZ INTL INC CL A 609207105 1,280 25,028 SH   SOLE   0 0 25,028
ADOBE INC COM 00724F101 453 1,041 SH   SOLE   0 0 1,041
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504 1,177 6,107 SH   SOLE   0 0 6,107
UNITED GUARDIAN INC COM 910571108 394 26,629 SH   SOLE   0 0 26,629
CSX CORP COM 126408103 659 9,456 SH   SOLE   0 0 9,456
ARCH CAP GROUP LTD ORD G0450A105 2,704 94,372 SH   SOLE   0 0 94,372
REKOR SYSTEMS INC COM 759419104 131 32,776 SH   SOLE   0 0 32,776
INTEL CORP COM 458140100 2,273 37,991 SH   SOLE   0 0 37,991
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 4,618 55,555 SH   SOLE   0 0 55,555
BANK NEW YORK MELLON CORP COM 064058100 531 13,744 SH   SOLE   0 0 13,744
VANGUARD INDEX FDS VALUE ETF 922908744 392 3,931 SH   SOLE   0 0 3,931
DISNEY WALT CO COM DISNEY 254687106 3,466 31,070 SH   SOLE   0 0 31,070
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 2,912 32,955 SH   SOLE   0 0 32,955
ISHARES TR RUS 1000 GRW ETF 464287614 3,217 16,757 SH   SOLE   0 0 16,757
ISHARES TR SELECT DIVID ETF 464287168 376 4,666 SH   SOLE   0 0 4,666
PFIZER INC COM 717081103 412 12,603 SH   SOLE   0 0 12,603
DISCOVERY INC COM SER A 25470F104 1,503 71,230 SH   SOLE   0 0 71,230
JPMORGAN CHASE & CO COM 46625H100 383 4,074 SH   SOLE   0 0 4,074
CITRIX SYS INC COM 177376100 213 1,443 SH   SOLE   0 0 1,443
PAYPAL HLDGS INC COM 70450Y103 4,027 23,111 SH   SOLE   0 0 23,111
ORACLE CORP COM 68389X105 458 8,282 SH   SOLE   0 0 8,282
PEPSICO INC COM 713448108 2,812 21,263 SH   SOLE   0 0 21,263
BECTON DICKINSON & CO COM 075887109 714 2,986 SH   SOLE   0 0 2,986
UNION PAC CORP COM 907818108 2,607 15,421 SH   SOLE   0 0 15,421
AMERICAN EXPRESS CO COM 025816109 1,583 16,620 SH   SOLE   0 0 16,620
VANGUARD BD INDEX FDS INTERMED TERM 921937819 1,577 16,921 SH   SOLE   0 0 16,921
COMCAST CORP NEW CL A 20030N101 361 9,269 SH   SOLE   0 0 9,269
VANGUARD STAR FDS VG TL INTL STK F 921909768 533 10,834 SH   SOLE   0 0 10,834
UNITED PARCEL SERVICE INC CL B 911312106 760 6,836 SH   SOLE   0 0 6,836
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 1,704 35,784 SH   SOLE   0 0 35,784
NIKE INC CL B 654106103 2,099 21,406 SH   SOLE   0 0 21,406
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 266 2,240 SH   SOLE   0 0 2,240
WALGREENS BOOTS ALLIANCE INC COM 931427108 307 7,234 SH   SOLE   0 0 7,234
COSTCO WHSL CORP NEW COM 22160K105 6,202 20,453 SH   SOLE   0 0 20,453
AMGEN INC COM 031162100 434 1,841 SH   SOLE   0 0 1,841
MEDTRONIC PLC SHS G5960L103 298 3,245 SH   SOLE   0 0 3,245
UNILEVER N V N Y SHS NEW 904784709 1,079 22,744 SH   SOLE   0 0 22,744
STARBUCKS CORP COM 855244109 5,576 75,774 SH   SOLE   0 0 75,774
WALMART INC COM 931142103 1,881 15,699 SH   SOLE   0 0 15,699
ISHARES TR IBONDS DEC20 ETF 46434VAQ3 3,545 139,950 PRN   SOLE   0 0 139,950
ALIBABA GROUP HLDG LTD SPONSORED ADS 01609W102 472 2,191 SH   SOLE   0 0 2,191
ISHARES TR IBONDS DEC21 ETF 46434VBK5 2,198 87,410 PRN   SOLE   0 0 87,410
COCA COLA CO COM 191216100 1,615 36,144 SH   SOLE   0 0 36,144
APPLE INC COM 037833100 15,089 41,363 SH   SOLE   0 0 41,363
SPDR S&P 500 ETF TR TR UNIT 78462F103 1,129 3,662 SH   SOLE   0 0 3,662
LOWES COS INC COM 548661107 321 2,374 SH   SOLE   0 0 2,374
GENERAL MLS INC COM 370334104 299 4,850 SH   SOLE   0 0 4,850
HOME DEPOT INC COM 437076102 1,225 4,889 SH   SOLE   0 0 4,889
BROWN FORMAN CORP CL B 115637209 4,081 64,110 SH   SOLE   0 0 64,110
SIRIUS XM HOLDINGS INC COM 82968B103 66 11,200 SH   SOLE   0 0 11,200
RAYTHEON TECHNOLOGIES CORP COM 75513E101 602 9,776 SH   SOLE   0 0 9,776
MALLINCKRODT PUB LTD CO SHS G5785G107 40 15,068 SH   SOLE   0 0 15,068
ALPHABET INC CAP STK CL C 02079K107 6,289 4,448 SH   SOLE   0 0 4,448
VANGUARD INDEX FDS GROWTH ETF 922908736 1,441 7,133 SH   SOLE   0 0 7,133
STRYKER CORPORATION COM 863667101 1,206 6,693 SH   SOLE   0 0 6,693
MCDONALDS CORP COM 580135101 1,197 6,491 SH   SOLE   0 0 6,491
INTUITIVE SURGICAL INC COM NEW 46120E602 285 500 SH   SOLE   0 0 500
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 39,587 221,763 SH   SOLE   0 0 221,763
VANGUARD WORLD FDS CONSUM STP ETF 92204A207 751 5,020 SH   SOLE   0 0 5,020
CVS HEALTH CORP COM 126650100 1,318 20,295 SH   SOLE   0 0 20,295
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 3,208 59,254 SH   SOLE   0 0 59,254
HONEYWELL INTL INC COM 438516106 294 2,031 SH   SOLE   0 0 2,031
WELLS FARGO CO NEW COM 949746101 208 8,104 SH   SOLE   0 0 8,104
ISHARES TR IBONDS DEC23 ETF 46434VAX8 577 21,990 PRN   SOLE   0 0 21,990
ISHARES TR IBONDS DEC22 ETF 46434VBA7 1,328 51,748 PRN   SOLE   0 0 51,748
ISHARES TR MODERT ALLOC ETF 464289875 1,464 36,721 SH   SOLE   0 0 36,721
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 3,533 30,150 SH   SOLE   0 0 30,150
BERKSHIRE HATHAWAY INC DEL CL A 084670108 2,138 8 SH   SOLE   0 0 8
ESCALADE INC COM 296056104 977 70,000 SH   SOLE   0 0 70,000