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
AON PLC SHS CL A G0403H108 245 859 SH   SOLE   0 0 859
TRANSOCEAN LTD REG SHS H8817H100 102 27,000 SH   SOLE   0 0 27,000
ALAMOS GOLD INC NEW COM CL A 011532108 101 14,000 SH   SOLE   0 0 14,000
ALPHABET INC CAP STK CL C 02079K107 786 295 SH   SOLE   0 0 295
ALPHABET INC CAP STK CL A 02079K305 797 298 SH   SOLE   0 0 298
AMAZON COM INC COM 023135106 1,041 317 SH   SOLE   0 0 317
AMETEK INC COM 031100100 259 2,087 SH   SOLE   0 0 2,087
APPLE INC COM 037833100 3,555 25,125 SH   SOLE   0 0 25,125
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 288 1,055 SH   SOLE   0 0 1,055
BRISTOL-MYERS SQUIBB CO COM 110122108 207 3,503 SH   SOLE   0 0 3,503
CENOVUS ENERGY INC COM 15135U109 126 12,500 SH   SOLE   0 0 12,500
CISCO SYS INC COM 17275R102 242 4,447 SH   SOLE   0 0 4,447
CITIZENS & NORTHN CORP COM 172922106 455 18,015 SH   SOLE   0 0 18,015
DBX ETF TR XTRACK USD HIGH 233051432 12,029 300,134 SH   SOLE   0 0 300,134
DISNEY WALT CO COM 254687106 220 1,303 SH   SOLE   0 0 1,303
EQUINOX GOLD CORP COM 29446Y502 83 12,600 SH   SOLE   0 0 12,600
FACEBOOK INC CL A 30303M102 412 1,215 SH   SOLE   0 0 1,215
HOME DEPOT INC COM 437076102 284 867 SH   SOLE   0 0 867
HONEYWELL INTL INC COM 438516106 343 1,615 SH   SOLE   0 0 1,615
HUNTINGTON BANCSHARES INC COM 446150104 640 41,392 SH   SOLE   0 0 41,392
INTEL CORP COM 458140100 303 5,689 SH   SOLE   0 0 5,689
INVESCO EXCHANGE TRADED FD T S&P 500 TOP 50 46137V233 366 1,109 SH   SOLE   0 0 1,109
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 469 3,131 SH   SOLE   0 0 3,131
ISHARES INC MSCI EM ASIA ETF 464286426 223 2,645 SH   SOLE   0 0 2,645
ISHARES INC EM MKT SM-CP ETF 464286475 688 11,355 SH   SOLE   0 0 11,355
ISHARES TR S&P 100 ETF 464287101 266 1,345 SH   SOLE   0 0 1,345
ISHARES TR SELECT DIVID ETF 464287168 1,227 10,696 SH   SOLE   0 0 10,696
ISHARES TR CORE S&P500 ETF 464287200 1,775 4,119 SH   SOLE   0 0 4,119
ISHARES TR CORE US AGGBD ET 464287226 2,954 25,721 SH   SOLE   0 0 25,721
ISHARES TR IBOXX INV CP ETF 464287242 581 4,369 SH   SOLE   0 0 4,369
ISHARES TR S&P 500 GRWT ETF 464287309 2,768 37,452 SH   SOLE   0 0 37,452
ISHARES TR S&P 500 VAL ETF 464287408 1,591 10,941 SH   SOLE   0 0 10,941
ISHARES TR RUS MID CAP ETF 464287499 472 6,032 SH   SOLE   0 0 6,032
ISHARES TR CORE S&P MCP ETF 464287507 1,812 6,886 SH   SOLE   0 0 6,886
ISHARES TR RUS 1000 ETF 464287622 510 2,110 SH   SOLE   0 0 2,110
ISHARES TR RUSSELL 2000 ETF 464287655 365 1,668 SH   SOLE   0 0 1,668
ISHARES TR CORE S&P SCP ETF 464287804 1,889 17,296 SH   SOLE   0 0 17,296
ISHARES TR SP SMCP600VL ETF 464287879 320 3,180 SH   SOLE   0 0 3,180
ISHARES TR S&P SML 600 GWT 464287887 280 2,150 SH   SOLE   0 0 2,150
ISHARES TR JPMORGAN USD EMG 464288281 314 2,849 SH   SOLE   0 0 2,849
ISHARES TR CRE U S REIT ETF 464288521 3,266 55,693 SH   SOLE   0 0 55,693
ISHARES TR MICRO-CAP ETF 464288869 239 1,659 SH   SOLE   0 0 1,659
ISHARES TR CORE HIGH DV ETF 46429B663 1,356 14,391 SH   SOLE   0 0 14,391
ISHARES TR 0-5 YR TIPS ETF 46429B747 672 6,358 SH   SOLE   0 0 6,358
ISHARES TR CORE DIV GRWTH 46434V621 1,072 21,331 SH   SOLE   0 0 21,331
ISHARES TR BROAD USD HIGH 46435U853 375 9,027 SH   SOLE   0 0 9,027
JPMORGAN CHASE & CO COM 46625H100 330 2,014 SH   SOLE   0 0 2,014
JOHNSON & JOHNSON COM 478160104 286 1,774 SH   SOLE   0 0 1,774
MARSH & MCLENNAN COS INC COM 571748102 491 3,244 SH   SOLE   0 0 3,244
MARRIOTT INTL INC NEW CL A 571903202 239 1,613 SH   SOLE   0 0 1,613
MICROSOFT CORP COM 594918104 1,250 4,433 SH   SOLE   0 0 4,433
NETFLIX INC COM 64110L106 401 657 SH   SOLE   0 0 657
NEW GOLD INC CDA COM 644535106 13 12,000 SH   SOLE   0 0 12,000
NIKE INC CL B 654106103 350 2,409 SH   SOLE   0 0 2,409
NVIDIA CORPORATION COM 67066G104 214 1,032 SH   SOLE   0 0 1,032
PRETIUM RES INC COM 74139C102 106 11,000 SH   SOLE   0 0 11,000
PROCTER AND GAMBLE CO COM 742718109 263 1,880 SH   SOLE   0 0 1,880
PROGRESSIVE CORP COM 743315103 316 3,500 SH   SOLE   0 0 3,500
ROCKWELL AUTOMATION INC COM 773903109 221 753 SH   SOLE   0 0 753
SPDR S&P 500 ETF TR TR UNIT 78462F103 477 1,112 SH   SOLE   0 0 1,112
SPDR INDEX SHS FDS ASIA PACIF ETF 78463X301 252 2,031 SH   SOLE   0 0 2,031
SPDR INDEX SHS FDS S&P CHINA ETF 78463X400 200 1,814 SH   SOLE   0 0 1,814
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 6,438 151,369 SH   SOLE   0 0 151,369
SPDR INDEX SHS FDS S&P EMKTSC ETF 78463X756 4,553 77,626 SH   SOLE   0 0 77,626
SPDR INDEX SHS FDS DJ INTL RL ETF 78463X863 948 26,697 SH   SOLE   0 0 26,697
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 2,289 63,216 SH   SOLE   0 0 63,216
SPDR SER TR PORTFOLIO SHORT 78464A474 794 25,416 SH   SOLE   0 0 25,416
SPDR SER TR DJ REIT ETF 78464A607 671 6,361 SH   SOLE   0 0 6,361
SPDR SER TR PORTFLI TIPS ETF 78464A656 488 15,707 SH   SOLE   0 0 15,707
SPDR SER TR PORTFOLIO S&P400 78464A847 3,475 75,274 SH   SOLE   0 0 75,274
SPDR SER TR PORTFOLIO S&P500 78464A854 12,423 246,193 SH   SOLE   0 0 246,193
SPDR SER TR BLOMBERG BRC INV 78468R200 7,033 229,394 SH   SOLE   0 0 229,394
SPDR SER TR PRTFLO S&P500 HI 78468R788 834 21,321 SH   SOLE   0 0 21,321
SPDR SER TR PORTFOLIO S&P600 78468R853 4,603 108,058 SH   SOLE   0 0 108,058
SCHWAB CHARLES CORP COM 808513105 3,671 50,400 SH   SOLE   0 0 50,400
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 406 3,905 SH   SOLE   0 0 3,905
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 40,015 384,647 SH   SOLE   0 0 384,647
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 4,274 28,861 SH   SOLE   0 0 28,861
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 10,027 130,796 SH   SOLE   0 0 130,796
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 8,106 80,977 SH   SOLE   0 0 80,977
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 15,933 522,742 SH   SOLE   0 0 522,742
SCHWAB STRATEGIC TR 1000 INDEX ETF 808524722 1,291 30,315 SH   SOLE   0 0 30,315
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 22,145 298,290 SH   SOLE   0 0 298,290
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 33,350 861,760 SH   SOLE   0 0 861,760
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 36,140 666,045 SH   SOLE   0 0 666,045
SCHWAB STRATEGIC TR US REIT ETF 808524847 1,029 22,525 SH   SOLE   0 0 22,525
SCHWAB STRATEGIC TR US TIPS ETF 808524870 10,329 165,054 SH   SOLE   0 0 165,054
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 12,371 297,955 SH   SOLE   0 0 297,955
SHERWIN WILLIAMS CO COM 824348106 1,067 3,813 SH   SOLE   0 0 3,813
THERATECHNOLOGIES INC COM 88338H100 38 10,169 SH   SOLE   0 0 10,169
VANECK ETF TRUST INVESTMENT GRD 92189F486 1,702 67,027 SH   SOLE   0 0 67,027
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 27,373 178,210 SH   SOLE   0 0 178,210
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 7,431 147,182 SH   SOLE   0 0 147,182
VANGUARD WHITEHALL FDS EMERG MKT BD ETF 921946885 3,611 46,122 SH   SOLE   0 0 46,122
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 9,748 185,391 SH   SOLE   0 0 185,391
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 4,102 72,019 SH   SOLE   0 0 72,019
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676 5,699 101,208 SH   SOLE   0 0 101,208
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 1,860 13,914 SH   SOLE   0 0 13,914
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 1,034 16,964 SH   SOLE   0 0 16,964
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 527 10,542 SH   SOLE   0 0 10,542
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 23,774 288,485 SH   SOLE   0 0 288,485
VANGUARD SCOTTSDALE FDS VNG RUS1000GRW 92206C680 280 3,980 SH   SOLE   0 0 3,980
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 2,603 6,599 SH   SOLE   0 0 6,599
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 10,850 106,601 SH   SOLE   0 0 106,601
VANGUARD INDEX FDS MID CAP ETF 922908629 506 2,138 SH   SOLE   0 0 2,138
VANGUARD INDEX FDS LARGE CAP ETF 922908637 2,061 10,257 SH   SOLE   0 0 10,257
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 1,661 9,107 SH   SOLE   0 0 9,107
VANGUARD INDEX FDS GROWTH ETF 922908736 19,491 67,171 SH   SOLE   0 0 67,171
VANGUARD INDEX FDS SMALL CP ETF 922908751 28,896 132,144 SH   SOLE   0 0 132,144
VANGUARD INDEX FDS TOTAL STK MKT 922908769 3,311 14,913 SH   SOLE   0 0 14,913
WABTEC COM 929740108 824 9,556 SH   SOLE   0 0 9,556
WISDOMTREE TR INDIA ERNGS FD 97717W422 359 9,598 SH   SOLE   0 0 9,598
WORKHORSE GROUP INC COM NEW 98138J206 130 17,000 SH   SOLE   0 0 17,000