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
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 1,402 4,383 SH   SOLE   0 0 4,383
ALLSTATE CORP COM 020002101 254 1,997 SH   SOLE   0 0 1,997
ALPS ETF TR ALERIAN MLP 00162Q452 15,063 451,936 SH   SOLE   0 0 451,935
ANALOG DEVICES INC COM 032654105 217 1,293 SH   SOLE   0 0 1,293
AON PLC SHS CL A G0403H108 747 2,615 SH   SOLE   0 0 2,615
ASML HOLDING N V N Y REGISTRY SHS N07059210 1,449 1,945 SH   SOLE   0 0 1,945
BK OF AMERICA CORP COM 060505104 470 11,082 SH   SOLE   0 0 11,081
BRISTOL-MYERS SQUIBB CO COM 110122108 202 3,406 SH   SOLE   0 0 3,405
BROADCOM INC COM 11135F101 397 818 SH   SOLE   0 0 818
CANADIAN PAC RY LTD COM 13645T100 1,189 18,275 SH   SOLE   0 0 18,275
CHIMERA INVT CORP COM NEW 16934Q208 462 31,087 SH   SOLE   0 0 31,087
CHUBB LIMITED COM H1467J104 212 1,221 SH   SOLE   0 0 1,221
CISCO SYS INC COM 17275R102 376 6,908 SH   SOLE   0 0 6,908
COCA COLA CO COM 191216100 211 4,014 SH   SOLE   0 0 4,014
COMCAST CORP NEW CL A 20030N101 401 7,176 SH   SOLE   0 0 7,176
EBAY INC. COM 278642103 281 4,039 SH   SOLE   0 0 4,038
EPAM SYS INC COM 29414B104 966 1,693 SH   SOLE   0 0 1,693
GLOBAL X FDS GLBL X MLP ETF 37954Y343 457 12,951 SH   SOLE   0 0 12,951
HDFC BANK LTD SPONSORED ADS 40415F101 979 13,391 SH   SOLE   0 0 13,391
HOME DEPOT INC COM 437076102 423 1,289 SH   SOLE   0 0 1,289
HONEYWELL INTL INC COM 438516106 298 1,403 SH   SOLE   0 0 1,402
ICON PLC SHS G4705A100 1,088 4,152 SH   SOLE   0 0 4,152
INTERNATIONAL BUSINESS MACHS COM 459200101 266 1,917 SH   SOLE   0 0 1,916
ISHARES INC CORE MSCI EMKT 46434G103 15,220 246,440 SH   SOLE   0 0 246,439
ISHARES TR RUSSELL 3000 ETF 464287689 93,501 366,887 SH   SOLE   0 0 366,887
ISHARES TR CORE S&P MCP ETF 464287507 56,287 213,964 SH   SOLE   0 0 213,963
ISHARES TR RUS 1000 GRW ETF 464287614 358 1,305 SH   SOLE   0 0 1,304
ISHARES TR RUS 1000 VAL ETF 464287598 219 1,398 SH   SOLE   0 0 1,398
ISHARES TR MSCI INTL VLU FT 46435G409 29,967 1,165,582 SH   SOLE   0 0 1,165,582
ISHARES TR NATIONAL MUN ETF 464288414 1,083 9,319 SH   SOLE   0 0 9,319
ISHARES TR CORE S&P500 ETF 464287200 36,171 83,959 SH   SOLE   0 0 83,958
ISHARES TR MRGSTR SM CP ETF 464288505 229 4,084 SH   SOLE   0 0 4,084
ISHARES TR MSCI EAFE ETF 464287465 66,296 849,844 SH   SOLE   0 0 849,843
ISHARES TR RUSSELL 2000 ETF 464287655 9,237 42,227 SH   SOLE   0 0 42,227
ISHARES TR CORE S&P SCP ETF 464287804 33,773 309,309 SH   SOLE   0 0 309,309
ISHARES TR SELECT DIVID ETF 464287168 3,726 32,480 SH   SOLE   0 0 32,480
ISHARES TR CORE MSCI EAFE 46432F842 44,658 601,459 SH   SOLE   0 0 601,458
ISHARES TR 3 7 YR TREAS BD 464288661 33,108 254,344 SH   SOLE   0 0 254,344
ISHARES TR MSCI USA MIN VOL 46429B697 15,248 207,455 SH   SOLE   0 0 207,455
ISHARES TR RUS MID CAP ETF 464287499 13,099 167,465 SH   SOLE   0 0 167,464
JOHNSON & JOHNSON COM 478160104 713 4,415 SH   SOLE   500 0 3,914
JPMORGAN CHASE & CO COM 46625H100 621 3,796 SH   SOLE   0 0 3,796
KLA CORP COM NEW 482480100 294 880 SH   SOLE   0 0 879
LAM RESEARCH CORP COM 512807108 351 617 SH   SOLE   0 0 617
LILLY ELI & CO COM 532457108 309 1,335 SH   SOLE   0 0 1,335
LOCKHEED MARTIN CORP COM 539830109 282 817 SH   SOLE   0 0 817
LULULEMON ATHLETICA INC COM 550021109 1,125 2,780 SH   SOLE   0 0 2,780
MARSH & MCLENNAN COS INC COM 571748102 321 2,123 SH   SOLE   0 0 2,122
MATCH GROUP INC NEW COM 57667L107 377 2,402 SH   SOLE   0 0 2,402
MEDTRONIC PLC SHS G5960L103 245 1,952 SH   SOLE   0 0 1,951
MERCADOLIBRE INC COM 58733R102 1,229 732 SH   SOLE   0 0 732
MERCK & CO INC COM 58933Y105 241 3,206 SH   SOLE   0 0 3,206
METTLER TOLEDO INTERNATIONAL COM 592688105 982 713 SH   SOLE   0 0 713
MICROSOFT CORP COM 594918104 557 1,974 SH   SOLE   0 0 1,974
OSCAR HEALTH INC CL A 687793109 7,904 454,527 SH   SOLE   0 0 454,527
PEPSICO INC COM 713448108 207 1,376 SH   SOLE   0 0 1,375
PNC FINL SVCS GROUP INC COM 693475105 276 1,411 SH   SOLE   0 0 1,411
PRICE T ROWE GROUP INC COM 74144T108 209 1,062 SH   SOLE   0 0 1,061
PROCTER AND GAMBLE CO COM 742718109 347 2,484 SH   SOLE   0 0 2,484
RESMED INC COM 761152107 1,412 5,357 SH   SOLE   0 0 5,356
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 76,714 738,628 SH   SOLE   0 0 738,627
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 33,158 856,807 SH   SOLE   0 0 856,807
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 29,926 981,810 SH   SOLE   0 0 981,810
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 432 5,819 SH   SOLE   0 0 5,819
SHOPIFY INC CL A 82509L107 1,245 918 SH   SOLE   0 0 918
SPDR GOLD TR GOLD SHS 78463V107 6,388 38,902 SH   SOLE   0 0 38,902
SPDR S&P 500 ETF TR TR UNIT 78462F103 143,925 335,380 SH   SOLE   0 0 335,379
SPDR SER TR PRTFLO S&P500 GW 78464A409 46,127 720,514 SH   SOLE   0 0 720,514
SPDR SER TR PORTFOLIO SHORT 78464A474 317 10,157 SH   SOLE   0 0 10,156
STERIS PLC SHS USD G8473T100 811 3,968 SH   SOLE   0 0 3,967
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100 1,430 12,807 SH   SOLE   0 0 12,807
TARGET CORP COM 87612E106 419 1,833 SH   SOLE   0 0 1,832
TEXAS INSTRS INC COM 882508104 369 1,920 SH   SOLE   0 0 1,920
TRANE TECHNOLOGIES PLC SHS G8994E103 266 1,543 SH   SOLE   0 0 1,543
UNION PAC CORP COM 907818108 348 1,777 SH   SOLE   0 0 1,777
UNITED PARCEL SERVICE INC CL B 911312106 203 1,112 SH   SOLE   0 0 1,112
UNITEDHEALTH GROUP INC COM 91324P102 338 866 SH   SOLE   0 0 865
US BANCORP DEL COM NEW 902973304 239 4,028 SH   SOLE   0 0 4,028
VANECK ETF TRUST INTRMDT MUNI ETF 92189H201 495 9,653 SH   SOLE   0 0 9,653
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 8,650 84,987 SH   SOLE   0 0 84,987
VANGUARD INDEX FDS VALUE ETF 922908744 67,826 501,039 SH   SOLE   0 0 501,038
VANGUARD INDEX FDS TOTAL STK MKT 922908769 50,210 226,111 SH   SOLE   0 0 226,111
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 24,473 489,365 SH   SOLE   0 0 489,365
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 37,863 691,306 SH   SOLE   0 0 691,305
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 554 3,607 SH   SOLE   0 0 3,606
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 25,279 500,666 SH   SOLE   0 0 500,666
VANGUARD WORLD FD MEGA GRWTH IND 921910816 1,751 7,457 SH   SOLE   0 0 7,457
VANGUARD WORLD FDS INF TECH ETF 92204A702 1,034 2,577 SH   SOLE   0 0 2,577
WASTE MGMT INC DEL COM 94106L109 216 1,446 SH   SOLE   0 0 1,446