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
BANCO BILBAO VIZCAYA ARGENTARI SPONSORED ADR ADR 05946K101 156 56,809 SH   SOLE   0 0 56,809
AMBEV SA SPONSORED ADR ADR 02319V103 159 70,157 SH   SOLE   0 0 70,157
GENERAL ELECTRIC CO COM Stock 369604103 184 29,557 SH   SOLE   0 0 29,557
MACK CALI RLTY CORP COM REIT 554489104 189 15,000 SH   SOLE   0 0 15,000
EMPIRE ST RLTY OP L P UNIT LTD PRT 60 Stock 292102209 200 32,211 SH   SOLE   0 0 32,211
GENERAC HLDGS INC COM Stock 368736104 202 1,045 SH   SOLE   0 0 1,045
AMERICAN INTL GROUP INC COM NEW Stock 026874784 202 7,351 SH   SOLE   0 0 7,351
ICICI BANK LIMITED ADR ADR 45104G104 203 20,607 SH   SOLE   0 0 20,607
FEDEX CORP COM Stock 31428X106 204 813 SH   SOLE   0 0 813
ITAU UNIBANCO HLDG S A SPON ADR REP PFD ADR 465562106 204 51,152 SH   SOLE   0 0 51,152
SCHWAB CHARLES CORP COM Stock 808513105 205 5,660 SH   SOLE   0 0 5,660
TIFFANY & CO NEW COM Stock 886547108 209 1,800 SH   SOLE   0 0 1,800
FIDELITY NATL INFORMATION SVCS COM Stock 31620M106 210 1,427 SH   SOLE   0 0 1,427
HERSHEY CO COM Stock 427866108 210 1,465 SH   SOLE   0 0 1,465
US BANCORP DEL COM NEW Stock 902973304 222 6,206 SH   SOLE   0 0 6,206
SPDR GOLD SHARES ETF 78463V107 224 1,264 SH   SOLE   0 0 1,264
DIAGEO PLC SPON ADR NEW ADR 25243Q205 231 1,677 SH   SOLE   0 0 1,677
MOODYS CORP COM Stock 615369105 232 800 SH   SOLE   0 0 800
SENSIENT TECHNOLOGIES CORP COM Stock 81725T100 234 4,050 SH   SOLE   0 0 4,050
CHARLES RIV LABS INTL INC COM Stock 159864107 235 1,036 SH   SOLE   0 0 1,036
MCCORMICK & CO INC COM NON VTG Stock 579780206 235 1,213 SH   SOLE   0 0 1,213
BANK NEW YORK MELLON CORP COM Stock 064058100 236 6,860 SH   SOLE   0 0 6,860
CINTAS CORP COM Stock 172908105 247 741 SH   SOLE   0 0 741
GENERAL MLS INC COM Stock 370334104 251 4,064 SH   SOLE   0 0 4,064
CSX CORP COM Stock 126408103 252 3,239 SH   SOLE   0 0 3,239
BURLINGTON STORES INC COM Stock 122017106 255 1,236 SH   SOLE   0 0 1,236
DOMINION ENERGY INC COM Stock 25746U109 255 3,230 SH   SOLE   0 0 3,230
CHEVRON CORP NEW COM Stock 166764100 258 3,581 SH   SOLE   0 0 3,581
ALTRIA GROUP INC COM Stock 02209S103 258 6,687 SH   SOLE   0 0 6,687
EDISON INTL COM Stock 281020107 263 5,171 SH   SOLE   0 0 5,171
WELLS FARGO CO NEW COM Stock 949746101 270 11,499 SH   SOLE   0 0 11,499
HUBBELL INC COM Stock 443510607 271 1,980 SH   SOLE   0 0 1,980
VERTEX PHARMACEUTICALS INC COM Stock 92532F100 273 1,003 SH   SOLE   0 0 1,003
VULCAN MATLS CO COM Stock 929160109 278 2,053 SH   SOLE   0 0 2,053
CARRIER GLOBAL CORPORATION COM Stock 14448C104 278 9,119 SH   SOLE   0 0 9,119
ISHARES RUSSELL 2000 ETF ETF 464287655 283 1,888 SH   SOLE   0 0 1,888
ISHARES MSCI USA MIN VOL FACTOR ETF ETF 46429B697 285 4,476 SH   SOLE   0 0 4,476
DUPONT DE NEMOURS INC COM Stock 26614N102 289 5,213 SH   SOLE   0 0 5,213
ALCON AG ORD SHS Stock H01301128 299 5,247 SH   SOLE   0 0 5,247
RIO TINTO PLC SPONSORED ADR ADR 767204100 302 5,002 SH   SOLE   0 0 5,002
YANDEX N V SHS CLASS A Stock N97284108 303 4,644 SH   SOLE   0 0 4,644
ANALOG DEVICES INC COM Stock 032654105 304 2,605 SH   SOLE   0 0 2,605
VANGUARD FTSE ALL-WORLD EX US INDEX FUND ETF 922042775 305 6,050 SH   SOLE   0 0 6,050
TECHNOLOGY SELECT SECTOR SPDR FUND ETF 81369Y803 307 2,632 SH   SOLE   0 0 2,631
KINDER MORGAN INC DEL COM Stock 49456B101 307 24,929 SH   SOLE   0 0 24,929
CANADIAN NATL RY CO COM Stock 136375102 309 2,905 SH   SOLE   0 0 2,905
BERKSHIRE HATHAWAY INC DEL CL A Stock 084670108 320 1 SH   SOLE   0 0 1
PNC FINL SVCS GROUP INC COM Stock 693475105 322 2,927 SH   SOLE   0 0 2,927
VANGUARD MID-CAP GROWTH INDEX FUND ETF 922908538 327 1,816 SH   SOLE   0 0 1,816
METLIFE INC COM Stock 59156R108 336 9,028 SH   SOLE   0 0 9,028
MEDTRONIC PLC SHS Stock G5960L103 338 3,256 SH   SOLE   0 0 3,256
CHUBB LIMITED COM Stock H1467J104 338 2,909 SH   SOLE   0 0 2,908
WILLIAMS SONOMA INC COM Stock 969904101 343 3,790 SH   SOLE   0 0 3,790
NORFOLK SOUTHN CORP COM Stock 655844108 347 1,620 SH   SOLE   0 0 1,620
BROOKFIELD ASSET MGMT INC CL A LTD VT SH Stock 112585104 347 10,494 SH   SOLE   0 0 10,494
SYSCO CORP COM Stock 871829107 348 5,596 SH   SOLE   0 0 5,596
ISHARES RUSSELL 2000 VALUE ETF ETF 464287630 349 3,516 SH   SOLE   0 0 3,516
UNILEVER PLC SPON ADR NEW ADR 904767704 349 5,662 SH   SOLE   0 0 5,662
AKAMAI TECHNOLOGIES INC COM Stock 00971T101 352 3,185 SH   SOLE   0 0 3,185
APOLLO GLOBAL MGMT INC COM CL A Stock 03768E105 355 7,934 SH   SOLE   0 0 7,934
BIOGEN INC COM Stock 09062X103 359 1,265 SH   SOLE   0 0 1,265
COLGATE PALMOLIVE CO COM Stock 194162103 360 4,672 SH   SOLE   0 0 4,672
BECTON DICKINSON & CO COM Stock 075887109 362 1,554 SH   SOLE   0 0 1,554
WILLIAMS COS INC COM Stock 969457100 369 18,767 SH   SOLE   0 0 18,767
VANGUARD S&P 500 ETF ETF 922908363 374 1,215 SH   SOLE   0 0 1,214
ORACLE CORP COM Stock 68389X105 375 6,282 SH   SOLE   0 0 6,282
BROADCOM INC COM Stock 11135F101 380 1,043 SH   SOLE   0 0 1,043
MCDONALDS CORP COM Stock 580135101 386 1,757 SH   SOLE   0 0 1,757
OTIS WORLDWIDE CORP COM Stock 68902V107 387 6,198 SH   SOLE   0 0 6,198
THERMO FISHER SCIENTIFIC INC COM Stock 883556102 389 880 SH   SOLE   0 0 880
HEALTH CARE SELECT SECTOR SPDR FUND ETF 81369Y209 391 3,710 SH   SOLE   0 0 3,710
ENBRIDGE INC COM Stock 29250N105 405 13,868 SH   SOLE   0 0 13,868
PUBLIC SVC ENTERPRISE GRP INC COM Stock 744573106 407 7,411 SH   SOLE   0 0 7,411
NETFLIX INC COM Stock 64110L106 413 826 SH   SOLE   0 0 826
VANGUARD HIGH DIVIDEND YIELD ETF ETF 921946406 422 5,217 SH   SOLE   0 0 5,216
ISHARES RUSSELL 1000 VALUE ETF ETF 464287598 422 3,571 SH   SOLE   0 0 3,571
FAIR ISAAC CORP COM Stock 303250104 425 1,000 SH   SOLE   0 0 1,000
VANGUARD INFORMATION TECHNOLOGY INDEX FUND ETF 92204A702 425 1,364 SH   SOLE   0 0 1,364
CHECK POINT SOFTWARE TECH LTD ORD Stock M22465104 430 3,573 SH   SOLE   0 0 3,573
ABBVIE INC COM Stock 00287Y109 436 4,975 SH   SOLE   0 0 4,975
INTERNATIONAL PAPER CO COM Stock 460146103 449 11,084 SH   SOLE   0 0 11,084
CISCO SYS INC COM Stock 17275R102 467 11,858 SH   SOLE   0 0 11,858
MARKEL CORP COM Stock 570535104 467 480 SH   SOLE   0 0 480
VANGUARD FTSE DEVELOPED MARKETS ETF ETF 921943858 484 11,838 SH   SOLE   0 0 11,838
WEC ENERGY GROUP INC COM Stock 92939U106 497 5,130 SH   SOLE   0 0 5,130
BLACKROCK INC COM Stock 09247X101 499 886 SH   SOLE   0 0 886
TCG BDC INC COM CEF 872280102 505 56,650 SH   SOLE   0 0 56,650
ISHARES TIPS BOND ETF ETF 464287176 528 4,175 SH   SOLE   0 0 4,175
ISHARES RUSSELL 1000 ETF ETF 464287622 534 2,855 SH   SOLE   0 0 2,855
AMERICAN EXPRESS CO COM Stock 025816109 544 5,430 SH   SOLE   0 0 5,430
KIMBERLY CLARK CORP COM Stock 494368103 548 3,713 SH   SOLE   0 0 3,713
VANGUARD FTSE EMERGING MARKETS ETF ETF 922042858 550 12,717 SH   SOLE   0 0 12,717
AON PLC SHS CL A Stock G0403H108 554 2,686 SH   SOLE   0 0 2,686
ISHARES RUSSELL MID-CAP GROWTH ETF ETF 464287481 555 3,211 SH   SOLE   0 0 3,211
ISHARES CORE DIVIDEND GROWTH ETF ETF 46434V621 562 14,114 SH   SOLE   0 0 14,114
ALIBABA GROUP HLDG LTD SPONSORED ADS ADR 01609W102 577 1,963 SH   SOLE   0 0 1,963
ECOLAB INC COM Stock 278865100 603 3,019 SH   SOLE   0 0 3,019
CITIGROUP INC COM NEW Stock 172967424 612 14,188 SH   SOLE   0 0 14,188
SCHWAB US DIVIDEND EQUITY ETF ETF 808524797 619 11,197 SH   SOLE   0 0 11,197
NVIDIA CORPORATION COM Stock 67066G104 633 1,170 SH   SOLE   0 0 1,170
BLACKSTONE GROUP INC COM CL A Stock 09260D107 636 12,181 SH   SOLE   0 0 12,181
SCHWAB U.S. LARGE-CAP GROWTH ETF ETF 808524300 683 5,930 SH   SOLE   0 0 5,930
PROGRESSIVE CORP COM Stock 743315103 698 7,376 SH   SOLE   0 0 7,376
MONDELEZ INTL INC CL A Stock 609207105 698 12,153 SH   SOLE   0 0 12,152
VANGUARD REAL ESTATE ETF ETF 922908553 713 9,034 SH   SOLE   0 0 9,033
INTERNATIONAL BUSINESS MACHS COM Stock 459200101 727 5,976 SH   SOLE   0 0 5,976
BK OF AMERICA CORP COM Stock 060505104 752 31,217 SH   SOLE   0 0 31,217
PPG INDS INC COM Stock 693506107 766 6,278 SH   SOLE   0 0 6,278
AUTOMATIC DATA PROCESSING INC COM Stock 053015103 766 5,491 SH   SOLE   0 0 5,491
HONEYWELL INTL INC COM Stock 438516106 803 4,877 SH   SOLE   0 0 4,877
WASTE MGMT INC DEL COM Stock 94106L109 806 7,124 SH   SOLE   0 0 7,124
EXXON MOBIL CORP COM Stock 30231G102 821 23,908 SH   SOLE   0 0 23,908
LINDE PLC SHS Stock G5494J103 827 3,472 SH   SOLE   0 0 3,472
BRISTOL-MYERS SQUIBB CO COM Stock 110122108 914 15,159 SH   SOLE   0 0 15,159
SAP SE SPON ADR ADR 803054204 970 6,223 SH   SOLE   0 0 6,223
UNITED PARCEL SERVICE INC CL B Stock 911312106 972 5,835 SH   SOLE   0 0 5,835
UNION PAC CORP COM Stock 907818108 974 4,946 SH   SOLE   0 0 4,946
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS ADR 874039100 975 12,023 SH   SOLE   0 0 12,023
ISHARES S&P 500 VALUE ETF ETF 464287408 1,031 9,169 SH   SOLE   0 0 9,169
AT&T INC COM Stock 00206R102 1,037 36,374 SH   SOLE   0 0 36,374
INTEL CORP COM Stock 458140100 1,098 21,203 SH   SOLE   0 0 21,203
WALMART INC COM Stock 931142103 1,257 8,981 SH   SOLE   0 0 8,981
TRAVELERS COMPANIES INC COM Stock 89417E109 1,300 12,017 SH   SOLE   0 0 12,017
MERCK & CO. INC COM Stock 58933Y105 1,302 15,691 SH   SOLE   0 0 15,691
RAYTHEON TECHNOLOGIES CORP COM Stock 75513E101 1,320 22,939 SH   SOLE   0 0 22,939
TEXAS INSTRS INC COM Stock 882508104 1,370 9,595 SH   SOLE   0 0 9,595
COCA COLA CO COM Stock 191216100 1,431 28,993 SH   SOLE   0 0 28,993
COHEN & STEERS LTD DURATION PF COM CEF 19248C105 1,472 62,968 SH   SOLE   0 0 62,968
MSCI INC COM Stock 55354G100 1,478 4,143 SH   SOLE   0 0 4,127
AMGEN INC COM Stock 031162100 1,497 5,890 SH   SOLE   0 0 5,890
AMERICAN TOWER CORP NEW COM REIT 03027X100 1,505 6,225 SH   SOLE   0 0 6,225
ISHARES SHORT MATURITY BOND ETF ETF 46431W507 1,528 30,493 SH   SOLE   0 0 30,493
INTUITIVE SURGICAL INC COM NEW Stock 46120E602 1,533 2,161 SH   SOLE   0 0 2,153
DISNEY WALT CO COM DISNEY Stock 254687106 1,550 12,490 SH   SOLE   0 0 12,490
SPDR S&P DIVIDEND ETF ETF 78464A763 1,598 17,296 SH   SOLE   0 0 17,296
SCHWAB U.S. SMALL-CAP ETF ETF 808524607 1,602 23,450 SH   SOLE   0 0 23,449
GARTNER INC COM Stock 366651107 1,655 13,245 SH   SOLE   0 0 13,195
PEPSICO INC COM Stock 713448108 1,664 12,007 SH   SOLE   0 0 12,006
COSTCO WHSL CORP NEW COM Stock 22160K105 1,684 4,744 SH   SOLE   0 0 4,744
ALIGN TECHNOLOGY INC COM Stock 016255101 1,760 5,377 SH   SOLE   0 0 5,357
SPDR S&P 500 ETF ETF 78462F103 1,812 5,412 SH   SOLE   0 0 5,412
3M CO COM Stock 88579Y101 1,868 11,665 SH   SOLE   0 0 11,664
COMCAST CORP NEW CL A Stock 20030N101 2,057 44,463 SH   SOLE   0 0 44,463
NEXTERA ENERGY INC COM Stock 65339F101 2,073 7,468 SH   SOLE   0 0 7,468
JPMORGAN CHASE & CO COM Stock 46625H100 2,106 21,871 SH   SOLE   0 0 21,871
NIKE INC CL B Stock 654106103 2,195 17,484 SH   SOLE   0 0 17,429
VERIZON COMMUNICATIONS INC COM Stock 92343V104 2,223 37,374 SH   SOLE   0 0 37,374
ALPHABET INC CAP STK CL A Stock 02079K305 2,257 1,540 SH   SOLE   0 0 1,536
REGENERON PHARMACEUTICALS COM Stock 75886F107 2,291 4,092 SH   SOLE   0 0 4,076
SCHWAB U.S. MID-CAP ETF ETF 808524508 2,401 43,282 SH   SOLE   0 0 43,281
VANGUARD DIVIDEND APPRECIATION INDEX FUND ETF 921908844 2,445 19,000 SH   SOLE   0 0 19,000
STARBUCKS CORP COM Stock 855244109 2,446 28,469 SH   SOLE   0 0 28,365
ISHARES RUSSELL 1000 GROWTH ETF ETF 464287614 2,560 11,805 SH   SOLE   0 0 11,804
DOLLAR GEN CORP NEW COM Stock 256677105 2,683 12,801 SH   SOLE   0 0 12,753
BERKSHIRE HATHAWAY INC DEL CL B NEW Stock 084670702 2,762 12,969 SH   SOLE   0 0 12,969
ISHARES RUSSELL MID-CAP ETF ETF 464287499 2,853 49,720 SH   SOLE   0 0 49,720
AUTODESK INC COM Stock 052769106 2,993 12,954 SH   SOLE   0 0 12,903
PFIZER INC COM Stock 717081103 3,032 82,610 SH   SOLE   0 0 82,610
PROCTER AND GAMBLE CO COM Stock 742718109 3,237 23,290 SH   SOLE   0 0 23,290
HOME DEPOT INC COM Stock 437076102 3,282 11,819 SH   SOLE   0 0 11,819
SERVICENOW INC COM Stock 81762P102 3,319 6,844 SH   SOLE   0 0 6,817
ISHARES S&P 500 GROWTH ETF ETF 464287309 3,754 16,247 SH   SOLE   0 0 16,246
SALESFORCE COM INC COM Stock 79466L302 4,040 16,075 SH   SOLE   0 0 16,017
UNITEDHEALTH GROUP INC COM Stock 91324P102 4,074 13,066 SH   SOLE   0 0 13,038
PAYPAL HLDGS INC COM Stock 70450Y103 4,116 20,892 SH   SOLE   0 0 20,831
ACCENTURE PLC IRELAND SHS CLASS A Stock G1151C101 4,374 19,354 SH   SOLE   0 0 19,296
ZOETIS INC CL A Stock 98978V103 4,545 27,486 SH   SOLE   0 0 27,396
AMAZON COM INC COM Stock 023135106 4,748 1,508 SH   SOLE   0 0 1,508
ABBOTT LABS COM Stock 002824100 4,811 44,207 SH   SOLE   0 0 44,054
MASTERCARD INCORPORATED CL A Stock 57636Q104 5,015 14,830 SH   SOLE   0 0 14,784
VISA INC COM CL A Stock 92826C839 5,264 26,326 SH   SOLE   0 0 26,252
ALPHABET INC CAP STK CL C Stock 02079K107 5,937 4,040 SH   SOLE   0 0 4,027
ADOBE SYSTEMS INCORPORATED COM Stock 00724F101 6,044 12,323 SH   SOLE   0 0 12,276
JOHNSON & JOHNSON COM Stock 478160104 6,963 46,772 SH   SOLE   0 0 46,772
FACEBOOK INC CL A Stock 30303M102 7,191 27,458 SH   SOLE   0 0 27,357
BERKLEY W R CORP COM Stock 084423102 9,160 149,799 SH   SOLE   0 0 149,799
APPLE INC COM Stock 037833100 11,738 101,354 SH   SOLE   0 0 101,354
MICROSOFT CORP COM Stock 594918104 12,469 59,285 SH   SOLE   0 0 59,167