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
VOYA PRIME RATE TR SH BEN INT 92913A100 740 164,770 SH   SOLE   0 0 164,770
GENERAL ELECTRIC CO COM 369604103 13 1,703 SH   SOLE   0 0 1,703
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 164 6,964 SH   SOLE   0 0 6,964
PFIZER INC COM 717081103 110 2,529 SH   SOLE   0 0 2,529
SPDR S&P 500 ETF TR TR UNIT 78462F103 1,326 5,306 SH   SOLE   0 0 5,306
VANGUARD BD INDEX FD INC SHORT TRM BOND 921937827 62 790 SH   SOLE   0 0 790
TEVA PHARMACEUTICAL INDS LTD SPONSORED ADR 881624209 4 228 SH   SOLE   0 0 228
DISNEY WALT CO COM DISNEY 254687106 7 60 SH   SOLE   0 0 60
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 29 450 SH   SOLE   0 0 450
VANGUARD INDEX FDS LARGE CAP ETF 922908637 6 48 SH   SOLE   0 0 48
JP MORGAN EXCHANGE TRADED FD ULTRA SHRT INC 46641Q837 678 13,520 SH   SOLE   0 0 13,520
WISDOMTREE TR EMER MKT HIGH FD 97717W315 47 1,182 SH   SOLE   0 0 1,182
ISHARES TR MIN VOL USA ETF 46429B697 87 1,665 SH   SOLE   0 0 1,665
PEPSICO INC COM 713448108 56 505 SH   SOLE   0 0 505
ETF MANAGERS TR ETFMG ALTR HRVST 26924G508 14 550 SH   SOLE   0 0 550
COGNIZANT TECHNOLOGY SOLUTIO CL A 192446102 5 73 SH   SOLE   0 0 73
RAVEN INDS INC COM 754212108 9 252 SH   SOLE   0 0 252
BELLICUM PHARMACEUTICALS INC COM 079481107 1 350 SH   SOLE   0 0 350
SOUTHWEST AIRLS CO COM 844741108 46 1,000 SH   SOLE   0 0 1,000
APPLE INC COM 037833100 1,006 6,381 SH   SOLE   0 0 6,381
MARRIOTT VACATIONS WRLDWDE C COM 57164Y107 75 1,064 SH   SOLE   0 0 1,064
WESTERN ASSET HGH YLD DFNDFD COM 95768B107 44 3,383 SH   SOLE   0 0 3,383
TRAVELERS COMPANIES INC COM 89417E109 11 88 SH   SOLE   0 0 88
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763 56 1,698 SH   SOLE   0 0 1,698
AT&T INC COM 00206R102 94 3,305 SH   SOLE   0 0 3,305
PIEDMONT OFFICE REALTY TR IN COM CL A 720190206 3 204 SH   SOLE   0 0 204
PIMCO ETF TR 0-5 HIGH YIELD 72201R783 718 7,544 SH   SOLE   0 0 7,544
VANGUARD INDEX FDS GROWTH ETF 922908736 6,962 51,830 SH   SOLE   0 0 51,830
NUVEEN PFD & INCM SECURTIES COM 67072C105 86 10,336 SH   SOLE   0 0 10,336
ORACLE CORP COM 68389X105 10 214 SH   SOLE   0 0 214
COLGATE PALMOLIVE CO COM 194162103 33 549 SH   SOLE   0 0 549
ISHARES TR MSCI ACWI EX US 464288240 21 499 SH   SOLE   0 0 499
TOTAL S A SPONSORED ADR 89151E109 10 190 SH   SOLE   0 0 190
EASTMAN CHEM CO COM 277432100 9 120 SH   SOLE   0 0 120
PROCTER AND GAMBLE CO COM 742718109 26 278 SH   SOLE   0 0 278
ISHARES TR EAFE SML CP ETF 464288273 806 15,546 SH   SOLE   0 0 15,546
ISHARES TR USA MOMENTUM FCT 46432F396 89 886 SH   SOLE   0 0 886
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 113 1,869 SH   SOLE   0 0 1,869
INVESCO EXCHANGE TRADED FD T DYNMC LRG VALU 46137V738 521 15,977 SH   SOLE   0 0 15,977
CUMMINS INC COM 231021106 7 50 SH   SOLE   0 0 50
PRICE T ROWE GROUP INC COM 74144T108 22 236 SH   SOLE   0 0 236
ISHARES TR RUS 2000 VAL ETF 464287630 142 1,322 SH   SOLE   0 0 1,322
WESTERN ASSET VAR RT STRG FD COM 957667108 82 5,314 SH   SOLE   0 0 5,314
DELTA AIR LINES INC DEL COM NEW 247361702 7 137 SH   SOLE   0 0 137
LEAP THERAPEUTICS INC COM 52187K101 0 100 SH   SOLE   0 0 100
VANGUARD STAR FD VG TL INTL STK F 921909768 3,940 83,429 SH   SOLE   0 0 83,429
WALMART INC COM 931142103 10 112 SH   SOLE   0 0 112
INTEL CORP COM 458140100 37 798 SH   SOLE   0 0 798
VISTEON CORP COM NEW 92839U206 0 4 SH   SOLE   0 0 4
ISHARES TR JPMORGAN USD EMG 464288281 7 69 SH   SOLE   0 0 69
VEEVA SYS INC CL A COM 922475108 7 81 SH   SOLE   0 0 81
EATON VANCE FLTNG RATE 2022 COM 27831H100 27 3,200 SH   SOLE   0 0 3,200
ISHARES TR US OIL EQ&SV ETF 464288844 3 125 SH   SOLE   0 0 125
ISHARES TR US REGNL BKS ETF 464288778 12 294 SH   SOLE   0 0 294
ISHARES TR CORE S&P SCP ETF 464287804 1,114 16,077 SH   SOLE   0 0 16,077
BASIC ENERGY SVCS INC NEW COM NEW 06985P209 0 3 SH   SOLE   0 0 3
ISHARES TR CORE MSCI TOTAL 46432F834 1,434 27,292 SH   SOLE   0 0 27,292
CENTRAL FD CDA LTD CL A 153501101 72 5,711 SH   SOLE   0 0 5,711
ISHARES TR SP SMCP600VL ETF 464287879 46 345 SH   SOLE   0 0 345
ISHARES TR RUS 2000 GRW ETF 464287648 67 398 SH   SOLE   0 0 398
EXXON MOBIL CORP COM 30231G102 2 25 SH   SOLE   0 0 25
CISCO SYS INC COM 17275R102 28 640 SH   SOLE   0 0 640
FEDEX CORP COM 31428X106 10 60 SH   SOLE   0 0 60
VANGUARD WORLD FDS ENERGY ETF 92204A306 19 247 SH   SOLE   0 0 247
ISHARES SILVER TRUST ISHARES 46428Q109 8 524 SH   SOLE   0 0 524
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 95 1,589 SH   SOLE   0 0 1,589
SITE CENTERS CORP COM 82981J109 0 7 SH   SOLE   0 0 7
SPDR SERIES TRUST PORTFOLIO INTRMD 78464A375 48 1,450 SH   SOLE   0 0 1,450
ISHARES TR CORE S&P US VLU 464287663 50 1,022 SH   SOLE   0 0 1,022
TEMPLETON GLOBAL INCOME FD COM 880198106 260 43,191 SH   SOLE   0 0 43,191
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 373 1,827 SH   SOLE   0 0 1,827
VANGUARD INDEX FDS VALUE ETF 922908744 5,870 59,928 SH   SOLE   0 0 59,928
HANCOCK JOHN PFD INCOME FD SH BEN INT 41013W108 64 3,387 SH   SOLE   0 0 3,387
ISHARES INC CORE MSCI EMKT 46434G103 1,565 33,189 SH   SOLE   0 0 33,189
SPDR SER TR BLOOMBERG SRT TR 78468R408 110 4,210 SH   SOLE   0 0 4,210
BROADCOM INC COM 11135F101 14 55 SH   SOLE   0 0 55
ISHARES TR FLTG RATE NT ETF 46429B655 10 197 SH   SOLE   0 0 197
SANOFI RIGHT 12/31/2020 80105N113 0 171 SH   SOLE   0 0 171
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 1,091 23,932 SH   SOLE   0 0 23,932
INVESCO EXCHANGE TRADED FD T S&P500 EQL MAT 46137V316 469 4,958 SH   SOLE   0 0 4,958
CHEVRON CORP NEW COM 166764100 27 248 SH   SOLE   0 0 248
ISHARES INC JP MORGAN EM ETF 464286517 12 289 SH   SOLE   0 0 289
MONDELEZ INTL INC CL A 609207105 6 149 SH   SOLE   0 0 149
LABORATORY CORP AMER HLDGS COM NEW 50540R409 706 5,584 SH   SOLE   0 0 5,584
ISHARES TR NASDAQ BIOTECH 464287556 33 344 SH   SOLE   0 0 344
VANGUARD INDEX FDS MID CAP ETF 922908629 4,721 34,164 SH   SOLE   0 0 34,164
VANGUARD INDEX FDS SML CP GRW ETF 922908595 179 1,188 SH   SOLE   0 0 1,188
GILEAD SCIENCES INC COM 375558103 15 240 SH   SOLE   0 0 240
PPL CORP COM 69351T106 6 201 SH   SOLE   0 0 201
PVH CORP COM 693656100 4 45 SH   SOLE   0 0 45
BRIGHTHOUSE FINL INC COM 10922N103 0 2 SH   SOLE   0 0 2
WISDOMTREE TR US SMALLCAP DIVD 97717W604 94 3,821 SH   SOLE   0 0 3,821
CONSTELLATION BRANDS INC CL A 21036P108 6 35 SH   SOLE   0 0 35
ISHARES TR RUS 1000 VAL ETF 464287598 296 2,665 SH   SOLE   0 0 2,665
ISHARES TR NORTH AMERN NAT 464287374 565 20,775 SH   SOLE   0 0 20,775
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 44 637 SH   SOLE   0 0 637
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 391 5,237 SH   SOLE   0 0 5,237
KANSAS CITY SOUTHERN COM NEW 485170302 10 100 SH   SOLE   0 0 100
SPDR SERIES TRUST PRTFLO S&P500 VL 78464A508 57 2,102 SH   SOLE   0 0 2,102
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 237 8,360 SH   SOLE   0 0 8,360
EXELON CORP COM 30161N101 2 53 SH   SOLE   0 0 53
MANULIFE FINL CORP COM 56501R106 3 201 SH   SOLE   0 0 201
FACEBOOK INC CL A 30303M102 1 10 SH   SOLE   0 0 10
VANGUARD ADMIRAL FDS INC SMLLCP 600 IDX 921932828 213 1,690 SH   SOLE   0 0 1,690
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771 123 3,624 SH   SOLE   0 0 3,624
ELECTRONIC ARTS INC COM 285512109 6 77 SH   SOLE   0 0 77
ISHARES TR CORE S&P TTL STK 464287150 1,329 23,407 SH   SOLE   0 0 23,407
SCHWAB STRATEGIC TR SCHWB FDT INT SC 808524748 95 3,365 SH   SOLE   0 0 3,365
VANGUARD INDEX FDS SMALL CP ETF 922908751 1,091 8,264 SH   SOLE   0 0 8,264
WALGREENS BOOTS ALLIANCE INC COM 931427108 23 330 SH   SOLE   0 0 330
BALLARD PWR SYS INC NEW COM 058586108 0 100 SH   SOLE   0 0 100
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504 13 78 SH   SOLE   0 0 78
CITIGROUP INC COM NEW 172967424 3 66 SH   SOLE   0 0 66
VANGUARD WORLD FD MEGA CAP INDEX 921910873 697 8,023 SH   SOLE   0 0 8,023
VANGUARD INDEX FDS TOTAL STK MKT 922908769 1,161 9,097 SH   SOLE   0 0 9,097
ISHARES GOLD TRUST ISHARES 464285105 111 9,005 SH   SOLE   0 0 9,005
GLAXOSMITHKLINE PLC SPONSORED ADR 37733W105 4 100 SH   SOLE   0 0 100
HOME DEPOT INC COM 437076102 53 311 SH   SOLE   0 0 311
ISHARES TR MSCI AC ASIA ETF 464288182 28 443 SH   SOLE   0 0 443
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 248 818 SH   SOLE   0 0 818
ISHARES US ETF TR COMMOD SEL STG 46431W853 38 1,232 SH   SOLE   0 0 1,232
FIRSTHAND TECH VALUE FD INC COM 33766Y100 2 165 SH   SOLE   0 0 165
METLIFE INC COM 59156R108 16 378 SH   SOLE   0 0 378
SPDR SERIES TRUST S&P DIVID ETF 78464A763 1,819 20,324 SH   SOLE   0 0 20,324
INTERNATIONAL BUSINESS MACHS COM 459200101 43 379 SH   SOLE   0 0 379
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 136 1,437 SH   SOLE   0 0 1,437
ABERDEEN STD SILVER ETF TR PHYSCL SILVR SHS 003264108 24 1,625 SH   SOLE   0 0 1,625
NEONODE INC COM PAR 64051M709 0 150 SH   SOLE   0 0 150
ISHARES TR S&P 500 GRWT ETF 464287309 25 166 SH   SOLE   0 0 166
KEYCORP NEW COM 493267108 56 3,813 SH   SOLE   0 0 3,813
INVESCO EXCHNG TRADED FD TR FNDMNTL HY CRP 46138E719 1,916 108,414 SH   SOLE   0 0 108,414
VERIZON COMMUNICATIONS INC COM 92343V104 132 2,347 SH   SOLE   0 0 2,347
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 1,218 12,787 SH   SOLE   0 0 12,787
VANGUARD WORLD FD MEGA GRWTH IND 921910816 394 3,682 SH   SOLE   0 0 3,682
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 14,578 63,437 SH   SOLE   0 0 63,437
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 5,406 69,364 SH   SOLE   0 0 69,364
ISHARES TR S&P MC 400GR ETF 464287606 185 970 SH   SOLE   0 0 970
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886 31 586 SH   SOLE   0 0 586
AGNC INVT CORP COM 00123Q104 38 2,157 SH   SOLE   0 0 2,157
TESLA INC COM 88160R101 3 10 SH   SOLE   0 0 10
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613 102 1,006 SH   SOLE   0 0 1,006
ISHARES TR RUS 1000 GRW ETF 464287614 963 7,355 SH   SOLE   0 0 7,355
ISHARES TR CORE MSCI EAFE 46432F842 3,530 64,178 SH   SOLE   0 0 64,178
ISHARES TR CORE S&P MCP ETF 464287507 3,585 21,591 SH   SOLE   0 0 21,591
ISHARES TR RUS 1000 ETF 464287622 512 3,694 SH   SOLE   0 0 3,694
ISHARES TR RUSSELL 2000 ETF 464287655 505 3,770 SH   SOLE   0 0 3,770
JPMORGAN CHASE & CO ALERIAN ML ETN 46625H365 26 1,160 SH   SOLE   0 0 1,160
LAUDER ESTEE COS INC CL A 518439104 9 67 SH   SOLE   0 0 67
VANGUARD GROUP DIV APP ETF 921908844 23 234 SH   SOLE   0 0 234
MERCK & CO INC COM 58933Y105 7,257 94,970 SH   SOLE   0 0 94,970
ISHARES TR S&P 500 VAL ETF 464287408 979 9,681 SH   SOLE   0 0 9,681
ISHARES TR S&P US PFD STK 464288687 14 422 SH   SOLE   0 0 422
STARBUCKS CORP COM 855244109 13 200 SH   SOLE   0 0 200
MASCO CORP COM 574599106 3 112 SH   SOLE   0 0 112
CIGNA CORP NEW COM 125523100 127 670 SH   SOLE   0 0 670
WISDOMTREE TR INTL SMCAP DIV 97717W760 1,276 21,148 SH   SOLE   0 0 21,148
ISHARES TR MIN VOL EAFE ETF 46429B689 107 1,605 SH   SOLE   0 0 1,605
MARRIOTT INTL INC NEW CL A 571903202 761 7,010 SH   SOLE   0 0 7,010
ISHARES TR S&P MC 400VL ETF 464287705 292 2,114 SH   SOLE   0 0 2,114
QUAD / GRAPHICS INC COM CL A 747301109 8 647 SH   SOLE   0 0 647
CERNER CORP COM 156782104 10 200 SH   SOLE   0 0 200
TYME TECHNOLOGIES INC COM 90238J103 18 5,000 SH   SOLE   0 0 5,000
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 1,596 43,018 SH   SOLE   0 0 43,018
SPDR SERIES TRUST PORTFOLIO SHORT 78464A474 13,020 431,978 SH   SOLE   0 0 431,978
RITE AID CORP COM 767754104 1 1,075 SH   SOLE   0 0 1,075
MCDONALDS CORP COM 580135101 81 457 SH   SOLE   0 0 457
ISHARES TR CORE 1 5 YR USD 46432F859 392 7,986 SH   SOLE   0 0 7,986
ISHARES TR MULTIFACTOR INTL 46434V274 11 485 SH   SOLE   0 0 485
APPLIED MATLS INC COM 038222105 5 150 SH   SOLE   0 0 150
PHILLIPS 66 COM 718546104 11 125 SH   SOLE   0 0 125
VANGUARD WORLD FD MEGA CAP VAL ETF 921910840 59 820 SH   SOLE   0 0 820
SPROTT PHYSICAL GOLD & SILVE TR UNIT 85208R101 72 5,711 SH   SOLE   0 0 5,711
CELGENE CORP COM 151020104 12 183 SH   SOLE   0 0 183
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 297 7,796 SH   SOLE   0 0 7,796
HOST HOTELS & RESORTS INC COM 44107P104 49 2,944 SH   SOLE   0 0 2,944
HALLIBURTON CO COM 406216101 3 125 SH   SOLE   0 0 125
ALEXANDRIA REAL ESTATE EQ IN COM 015271109 6 50 SH   SOLE   0 0 50
UNIVEST CORP PA COM 915271100 14 631 SH   SOLE   0 0 631
CRYOLIFE INC COM 228903100 4 150 SH   SOLE   0 0 150
ISHARES TR MSCI EAFE ETF 464287465 61 1,031 SH   SOLE   0 0 1,031
MARATHON OIL CORP COM 565849106 7 475 SH   SOLE   0 0 475
SCHWAB CHARLES CORP NEW COM 808513105 10 245 SH   SOLE   0 0 245
FIDELITY MSCI RL EST ETF 316092857 10 445 SH   SOLE   0 0 445
TUPPERWARE BRANDS CORP COM 899896104 2 55 SH   SOLE   0 0 55
VANGUARD WHITEHALL FDS INC HIGH DIV YLD 921946406 619 7,935 SH   SOLE   0 0 7,935
ISHARES TR CORE S&P500 ETF 464287200 20,634 82,008 SH   SOLE   0 0 82,008
PIMCO CORPORATE INCOME STRAT COM 72200U100 24 1,620 SH   SOLE   0 0 1,620
SPDR SERIES TRUST S&P OILGAS EXP 78464A730 20 769 SH   SOLE   0 0 769
ISHARES TR 0-5YR INVT GR CP 46434V100 5,233 105,647 SH   SOLE   0 0 105,647
SYNOPSYS INC COM 871607107 7 78 SH   SOLE   0 0 78
ISHARES TR EAFE GRWTH ETF 464288885 40 584 SH   SOLE   0 0 584
FRONTIER COMMUNICATIONS CORP COM NEW 35906A306 0 34 SH   SOLE   0 0 34
INVESCO EXCHANGE TRADED FD T S&P500 EQL ENR 46137V365 792 18,352 SH   SOLE   0 0 18,352
ABERDEEN STD PLATINUM ETF TR PHYSCL PLATM SHS 003260106 7 95 SH   SOLE   0 0 95
CONOCOPHILLIPS COM 20825C104 19 300 SH   SOLE   0 0 300
SEQUENTIAL BRNDS GROUP INC N COM 81734P107 0 191 SH   SOLE   0 0 191
ISHARES TR U.S. REAL ES ETF 464287739 63 837 SH   SOLE   0 0 837
AMERICAN AIRLS GROUP INC COM 02376R102 4 115 SH   SOLE   0 0 115
SPDR GOLD TRUST GOLD SHS 78463V107 179 1,475 SH   SOLE   0 0 1,475
DUNKIN BRANDS GROUP INC COM 265504100 13 195 SH   SOLE   0 0 195
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 133 1,110 SH   SOLE   0 0 1,110
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 1,596 33,309 SH   SOLE   0 0 33,309
WISDOMTREE TR FUTRE STRAT FD 97717W125 19 489 SH   SOLE   0 0 489
CHESAPEAKE UTILS CORP COM 165303108 55 672 SH   SOLE   0 0 672
VANGUARD INDEX FDS SM CP VAL ETF 922908611 1,402 12,289 SH   SOLE   0 0 12,289
JOHNSON & JOHNSON COM 478160104 89 689 SH   SOLE   0 0 689
AQUA AMERICA INC COM 03836W103 3 100 SH   SOLE   0 0 100
THERMO FISHER SCIENTIFIC INC COM 883556102 18 82 SH   SOLE   0 0 82
ZIMMER BIOMET HLDGS INC COM 98956P102 5 49 SH   SOLE   0 0 49