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
3M CO COM 88579Y101 265 1,275 SH   SOLE   0 0 1,275
ABBOTT LABS COM 002824100 380 4,752 SH   SOLE   0 0 4,752
AFLAC INC COM 001055102 400,000 8,000 SH   SOLE   0 0 8,000
AIR TRANSPORT SERVICES GRP I COM 00922r105 161,350 7,000 SH   SOLE   0 0 7,000
ALLIANCEBERNSTEIN NATL MUNI COM 01864U106 967 74,653 SH   SOLE   0 0 74,653
ALPHABET INC CAP STK CL A 02079K305 588 500 SH   SOLE   0 0 500
ALPHABET INC CAP STK CL C 02079K107 1,238 1,055 SH   SOLE   0 0 1,055
AMAZON COM INC COM 023135106 1,072 602 SH   SOLE   0 0 602
AMERICAN AIRLS GROUP INC COM 02376r102 184,208 5,800 SH   SOLE   0 0 5,800
AMERICAN EXPRESS CO COM 025816109 218,600 2,000 SH   SOLE   0 0 2,000
APPLE INC COM 037833100 682 3,589 SH   SOLE   0 0 3,589
BARCLAYS BK PLC DJUBS CMDT ETN36 06738C778 3,106 137,072 SH   SOLE   0 0 137,072
BECTON DICKINSON & CO COM 075887109 835 3,342 SH   SOLE   0 0 3,342
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 503,297 7,834 SH   SOLE   0 0 7,834
BEST BUY INC COM 086516101 213,180 3,000 SH   SOLE   0 0 3,000
BLACKROCK CALIF MUN INCOME T SH BEN INT 09248E102 131 10,214 SH   SOLE   0 0 10,214
BLACKROCK INVT QUALITY MUN T COM 09247D105 689 48,731 SH   SOLE   0 0 48,731
BLACKROCK MUNI INCOME TR II COM 09249N101 1,385 98,165 SH   SOLE   0 0 98,165
BLACKROCK MUNICIPL INC QLTY COM 092479104 1,870 139,474 SH   SOLE   0 0 139,474
BLACKROCK MUNIHLDNGS CALI QL COM 09254L107 151 11,369 SH   SOLE   0 0 11,369
BLACKROCK MUNIHLDNGS QLTY II COM 09254C107 1,424 115,787 SH   SOLE   0 0 115,787
BLACKROCK MUNIHLDS INVSTM QL COM 09254P108 843 65,332 SH   SOLE   0 0 65,332
BLACKROCK MUNIHOLDINGS FD IN COM 09253N104 450 28,209 SH   SOLE   0 0 28,209
BLACKROCK MUNIVEST FD II INC COM 09253T101 216 14,726 SH   SOLE   0 0 14,726
BLACKROCK MUNIVEST FD INC COM 09253R105 868 96,335 SH   SOLE   0 0 96,335
BLACKROCK MUNIY QUALITY FD I COM 09254G108 562 45,667 SH   SOLE   0 0 45,667
BLACKROCK MUNIYIELD CALI QLT COM 09254N103 138 10,277 SH   SOLE   0 0 10,277
BLACKROCK MUNIYIELD CALIF FD COM 09254M105 151 11,290 SH   SOLE   0 0 11,290
BLACKROCK MUNIYIELD FD INC COM 09253W104 939 67,332 SH   SOLE   0 0 67,332
BLACKROCK MUNIYIELD PA QLTY COM 09255G107 151 11,128 SH   SOLE   0 0 11,128
BLACKROCK MUNIYIELD QLTY FD COM 09254E103 1,359 105,141 SH   SOLE   0 0 105,141
BLACKROCK MUNIYIELD QUALITY COM 09254F100 924 65,613 SH   SOLE   0 0 65,613
CASELLA WASTE SYS INC CL A 147448104 177,800 5,000 SH   SOLE   0 0 5,000
CHEVRON CORP NEW COM 166764100 1,314 10,665 SH   SOLE   0 0 10,665
CITIGROUP INC COM NEW 172967424 497,760 8,000 SH   SOLE   0 0 8,000
COMCAST CORP NEW CL A 20030N101 219 5,489 SH   SOLE   0 0 5,489
CONOCOPHILLIPS COM 20825C104 434 6,507 SH   SOLE   0 0 6,507
DARDEN RESTAURANTS INC COM 237194105 364,410 3,000 SH   SOLE   0 0 3,000
DBX ETF TR XTRACK MSCI EAFE 233051200 4,087 130,894 SH   SOLE   0 0 130,894
DBX ETF TR XTRACK USD HIGH 233051432 265 5,334 SH   SOLE   0 0 5,334
DELTA AIR LINES INC DEL COM NEW 247361702 309,900 6,000 SH   SOLE   0 0 6,000
DIREXION SHS ETF TR DLY EMG MK BL 3X 25490K281 780 9,774 SH   SOLE   0 0 9,774
DISNEY WALT CO COM DISNEY 254687106 448 4,035 SH   SOLE   0 0 4,035
DREYFUS STRATEGIC MUN BD FD COM 26202F107 100 12,903 SH   SOLE   0 0 12,903
DREYFUS STRATEGIC MUNS INC COM 261932107 963 122,023 SH   SOLE   0 0 122,023
DWS MUN INCOME TR NEW COM 233368109 239 21,726 SH   SOLE   0 0 21,726
E TRADE FINANCIAL CORP COM NEW 269246401 185,720 4,000 SH   SOLE   0 0 4,000
EATON VANCE CALIF MUN BD FD COM 27828A100 150 14,185 SH   SOLE   0 0 14,185
EATON VANCE MUN BD FD COM 27827X101 1,090 87,883 SH   SOLE   0 0 87,883
EOG RES INC COM 26875P101 1,179 12,391 SH   SOLE   0 0 12,391
EXXON MOBIL CORP COM 30231G102 1,949 24,126 SH   SOLE   0 0 24,126
FULTON FINL CORP PA COM 360271100 154,800 10,000 SH   SOLE   0 0 10,000
GENERAL MTRS CO COM 37045v100 185,500 5,000 SH   SOLE   0 0 5,000
HOME DEPOT INC COM 437076102 388 2,021 SH   SOLE   0 0 2,021
HP INC COM 40434l105 219,106 14,200 SH   SOLE   0 0 14,200
INDEXIQ ETF TR IQ MRGR ARB ETF 45409B800 266 8,335 SH   SOLE   0 0 8,335
INNOVIVA INC COM 45781m101 280,600 20,000 SH   SOLE   0 0 20,000
INTEL CORP COM 458140100 429,600 8,000 SH   SOLE   0 0 8,000
INTERNATIONAL BUSINESS MACHS COM 459200101 260 1,846 SH   SOLE   0 0 1,846
INVESCO CALIF VALUE MUN INC COM 46132H106 201 16,519 SH   SOLE   0 0 16,519
INVESCO EXCHNG TRADED FD TR FTSE RAFI EMNG 46138E727 330 15,402 SH   SOLE   0 0 15,402
INVESCO EXCHNG TRADED FD TR INTL CORP BD 46138E636 936 35,777 SH   SOLE   0 0 35,777
INVESCO QQQ TR UNIT SER 1 46090E103 359 2,000 SH   SOLE   0 0 2,000
INVESCO TR INVT GRADE NY MUN COM 46131T101 235 18,003 SH   SOLE   0 0 18,003
INVESCO VALUE MUN INCOME TR COM 46132P108 248 17,218 SH   SOLE   0 0 17,218
ISHARES INC MIN VOL GBL ETF 464286525 13,434 150,139 SH   SOLE   0 0 150,139
ISHARES INC MSCI FRNTR100ETF 464286145 372 13,082 SH   SOLE   0 0 13,082
ISHARES INC MSCI GBL ETF NEW 46434G848 5,084 163,625 SH   SOLE   0 0 163,625
ISHARES INC MSCI HONG KG ETF 464286871 241 9,208 SH   SOLE   0 0 9,208
ISHARES INC MSCI MEXICO ETF 464286822 373 8,549 SH   SOLE   0 0 8,549
ISHARES INC MSCI TAIWAN ETF 46434G772 388 11,218 SH   SOLE   0 0 11,218
ISHARES TR CHINA LG-CAP ETF 464287184 454 10,247 SH   SOLE   0 0 10,247
ISHARES TR CORE HIGH DV ETF 46429B663 3,844 41,200 SH   SOLE   0 0 41,200
ISHARES TR CORE S&P TTL STK 464287150 3,348,800 52,000 SH   SOLE   0 0 52,000
ISHARES TR FLTG RATE NT ETF 46429B655 2,232 43,834 SH   SOLE   0 0 43,834
ISHARES TR INTL MOMENTUM FT 46434V449 6,197 216,909 SH   SOLE   0 0 216,909
ISHARES TR INTL QLTY FACTOR 46434V456 5,867 201,145 SH   SOLE   0 0 201,145
ISHARES TR INTL SEL DIV ETF 464288448 3,185 103,205 SH   SOLE   0 0 103,205
ISHARES TR MIN VOL EAFE ETF 46429B689 310 4,300 SH   SOLE   0 0 4,300
ISHARES TR MSCI INDONIA ETF 46429B309 352 13,717 SH   SOLE   0 0 13,717
ISHARES TR MSCI PERU ETF 464289842 281 7,149 SH   SOLE   0 0 7,149
ISHARES TR RUSSELL 2000 ETF 464287655 306 2,000 SH   SOLE   0 0 2,000
ISHARES TR S&P SML 600 GWT 464287887 205 1,150 SH   SOLE   0 0 1,150
ISHARES TR U.S. ENERGY ETF 464287796 3,664 101,688 SH   SOLE   0 0 101,688
ISHARES TR USA MOMENTUM FCT 46432F396 7,816 69,670 SH   SOLE   0 0 69,670
ISHARES TR USA QUALITY FCTR 46432F339 129,749 179,172 SH   SOLE   0 0 179,172
JOHNSON & JOHNSON COM 478160104 1,089 7,792 SH   SOLE   0 0 7,792
JPMORGAN CHASE & CO COM 46625H100 505 4,985 SH   SOLE   0 0 4,985
KELLY SVCS INC CL A 488152208 110,300 5,000 SH   SOLE   0 0 5,000
KEYCORP NEW COM 493267108 189,000 12,000 SH   SOLE   0 0 12,000
KOHLS CORP COM 500255104 343,850 5,000 SH   SOLE   0 0 5,000
LOCKHEED MARTIN CORP COM 539830109 300,160 1,000 SH   SOLE   0 0 1,000
MAGELLAN MIDSTREAM PRTNRS LP COM UNIT RP LP 559080106 1,500 24,738 SH   SOLE   0 0 24,738
MARKEL CORP COM 570535104 304 305 SH   SOLE   0 0 305
MARTIN MARIETTA MATLS INC COM 573284106 293 1,458 SH   SOLE   0 0 1,458
MCDONALDS CORP COM 580135101 570,392 6,642 SH   SOLE   0 0 6,642
MERCANTILE BANK CORP COM 587376104 232,312 7,100 SH   SOLE   0 0 7,100
METLIFE INC COM 59156R108 200,079 4,700 SH   SOLE   0 0 4,700
MFS INVT GRADE MUN TR SH BEN INT 59318B108 114 12,171 SH   SOLE   0 0 12,171
MICROSOFT CORP COM 594918104 584 4,955 SH   SOLE   0 0 4,955
NETFLIX INC COM 64110L106 246 689 SH   SOLE   0 0 689
NEXTERA ENERGY INC COM 65339F101 284 1,472 SH   SOLE   0 0 1,472
NUVEEN AMT FREE QLTY MUN INC COM 670657105 1,159 86,719 SH   SOLE   0 0 86,719
NUVEEN ENHANCED MUN VALUE FD COM 67074M101 649 46,999 SH   SOLE   0 0 46,999
PEPSICO INC COM 713448108 707 5,772 SH   SOLE   0 0 5,772
PFIZER INC COM 717081103 212,350 5,000 SH   SOLE   0 0 5,000
PHILLIPS 66 COM 718546104 475,850 5,000 SH   SOLE   0 0 5,000
PIMCO MUN INCOME FD II COM 72200W106 178 12,519 SH   SOLE   0 0 12,519
PROCTER AND GAMBLE CO COM 742718109 229,176 4,753 SH   SOLE   0 0 4,753
PROSHARES TR ULTRASHRT S&P500 74347B383 533 16,000 SH   SOLE   0 0 16,000
SCHWAB STRATEGIC TR 1000 INDEX ETF 808524722 330 11,857 SH   SOLE   0 0 11,857
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771 15,722 414,276 SH   SOLE   0 0 414,276
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763 4,665 125,256 SH   SOLE   0 0 125,256
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730 28,591 1,031,035 SH   SOLE   0 0 1,031,035
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755 16,206 587,592 SH   SOLE   0 0 587,592
SCHWAB STRATEGIC TR SCHWB FDT INT SC 808524748 3,440 110,710 SH   SOLE   0 0 110,710
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 909 17,528 SH   SOLE   0 0 17,528
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 3,810,800 56,000 SH   SOLE   0 0 56,000
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 911 17,432 SH   SOLE   0 0 17,432
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 668 8,409 SH   SOLE   0 0 8,409
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 617 9,125 SH   SOLE   0 0 9,125
SIRIUS XM HLDGS INC COM 82968B103 283,500 50,000 SH   SOLE   0 0 50,000
SOUTHWEST AIRLS CO COM 844741108 415,604 14,234 SH   SOLE   0 0 14,234
SPDR S&P 500 ETF TR TR UNIT 78462F103 1,016 3,598 SH   SOLE   0 0 3,598
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 453 1,312 SH   SOLE   0 0 1,312
SPDR SER TR NUVEEN BLMBRG SR 78468R739 711 14,665 SH   SOLE   0 0 14,665
SPDR SER TR PRTFLO S&P500 HI 78468R788 256 6,776 SH   SOLE   0 0 6,776
SSGA ACTIVE ETF TR BLKSTN GSOSRLN 78467V608 283 6,135 SH   SOLE   0 0 6,135
STARBUCKS CORP COM 855244109 259 3,491 SH   SOLE   0 0 3,491
SUNTRUST BKS INC COM 867914103 177,750 3,000 SH   SOLE   0 0 3,000
TEXAS INSTRS INC COM 882508104 371 3,501 SH   SOLE   0 0 3,501
U S G CORP COM NEW 903293405 433,000 10,000 SH   SOLE   0 0 10,000
UDR INC COM 902653104 457 10,050 SH   SOLE   0 0 10,050
UNION PACIFIC CORP COM 907818108 435 2,600 SH   SOLE   0 0 2,600
UNITED CONTL HLDGS INC COM 910047109 159,560 2,000 SH   SOLE   0 0 2,000
UNITED TECHNOLOGIES CORP COM 913017109 331 2,572 SH   SOLE   0 0 2,572
UNITEDHEALTH GROUP INC COM 91324p102 543,972 2,200 SH   SOLE   0 0 2,200
VALERO ENERGY CORP NEW COM 91913y100 254,490 3,000 SH   SOLE   0 0 3,000
VANECK VECTORS ETF TR JP MORGAN MKTS 92189H300 1,937 58,068 SH   SOLE   0 0 58,068
VANECK VECTORS ETF TR RUSSIA ETF 92189F403 590 28,629 SH   SOLE   0 0 28,629
VANGUARD BD INDEX FD INC LONG TERM BOND 921937793 1,329 14,421 SH   SOLE   0 0 14,421
VANGUARD BD INDEX FD INC SHORT TRM BOND 921937827 5,615 70,553 SH   SOLE   0 0 70,553
VANGUARD BD INDEX FD INC TOTAL BND MRKT 921937835 7,368 90,756 SH   SOLE   0 0 90,756
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 359 6,431 SH   SOLE   0 0 6,431
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 260 1,000 SH   SOLE   0 0 1,000
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 45,293 619,010 SH   SOLE   0 0 619,010
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 7,177 147,424 SH   SOLE   0 0 147,424
VANGUARD WHITEHALL FDS INC HIGH DIV YLD 921946406 1,104 12,892 SH   SOLE   0 0 12,892
VANGUARD WORLD FDS ENERGY ETF 92204A306 1,409 15,759 SH   SOLE   0 0 15,759
VISA INC COM CL A 92826C839 684 4,382 SH   SOLE   0 0 4,382
VISHAY INTERTECHNOLOGY INC COM 928298108 258,580 14,000 SH   SOLE   0 0 14,000
VMWARE INC CL A COM 928563402 90,255 500 SH   SOLE   0 0 500
WELLS FARGO CO NEW COM 949746101 289,920 6,000 SH   SOLE   0 0 6,000
WESTERN ASSET INTM MUNI FD I COM 958435109 427 48,484 SH   SOLE   0 0 48,484
WESTERN ASSET MUN HI INCM FD COM 95766N103 79 10,701 SH   SOLE   0 0 10,701
WHITE MTNS INS GROUP LTD COM g9618e107 370,192 400 SH   SOLE   0 0 400
WISDOMTREE TR EMER MKT HIGH FD 97717W315 769 17,535 SH   SOLE   0 0 17,535
WISDOMTREE TR US LARGECAP DIVD 97717W307 380 4,035 SH   SOLE   0 0 4,035
YUM BRANDS INC COM 988498101 299,430 3,000 SH   SOLE   0 0 3,000
ZIONS BANCORPORATION N A COM 989701107 272,460 6,000 SH   SOLE   0 0 6,000