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
ABBOTT LABS COM 002824100 424 5,068 SH   SOLE   0 0 5,068
AFLAC INC COM 001055102 471 9,000 SH   SOLE   0 0 9,000
ALPHABET INC CAP STK CL A 02079K305 635 520 SH   SOLE   0 0 520
AMERICAN EXPRESS CO COM 025816109 237 2,000 SH   SOLE   0 0 2,000
APPLE INC COM 037833100 891 3,976 SH   SOLE   0 0 3,976
BECTON DICKINSON & CO COM 075887109 881 3,482 SH   SOLE   0 0 3,482
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,110 5,334 SH   SOLE   0 0 5,334
BEST BUY INC COM 086516101 207 3,000 SH   SOLE   0 0 3,000
BLACKROCK MUNI INTER DR FD I COM 09253X102 299 21,066 SH   SOLE   0 0 21,066
BLACKROCK MUNICIPL INC QLTY COM 092479104 1,432 101,222 SH   SOLE   0 0 101,222
BLACKROCK MUNIENHANCED FD IN COM 09253Y100 240 21,196 SH   SOLE   0 0 21,196
BLACKROCK MUNIHLDNGS QLTY II COM 09254C107 1,537 120,369 SH   SOLE   0 0 120,369
BLACKROCK MUNIHLDS INVSTM QL COM 09254P108 1,053 77,847 SH   SOLE   0 0 77,847
BLACKROCK MUNIHOLDNGS QLTY I COM 09254A101 159 12,397 SH   SOLE   0 0 12,397
BLACKROCK MUNIVEST FD II INC COM 09253T101 292 19,835 SH   SOLE   0 0 19,835
BLACKROCK MUNIVEST FD INC COM 09253R105 133 14,493 SH   SOLE   0 0 14,493
BLACKROCK MUNIY QUALITY FD I COM 09254G108 1,406 108,417 SH   SOLE   0 0 108,417
BLACKROCK MUNIYIELD PA QLTY COM 09255G107 149 10,466 SH   SOLE   0 0 10,466
BLACKROCK MUNIYIELD QLTY FD COM 09254E103 1,393 102,643 SH   SOLE   0 0 102,643
BLACKROCK MUNIYIELD QUALITY COM 09254F100 476 31,649 SH   SOLE   0 0 31,649
CASEYS GEN STORES INC COM 147528103 201 1,250 SH   SOLE   0 0 1,250
CHEVRON CORP NEW COM 166764100 1,254 10,571 SH   SOLE   0 0 10,571
CITIGROUP INC COM NEW 172967424 484 7,000 SH   SOLE   0 0 7,000
COMCAST CORP NEW CL A 20030N101 247 5,489 SH   SOLE   0 0 5,489
CONOCOPHILLIPS COM 20825C104 403 7,070 SH   SOLE   0 0 7,070
DANAHER CORPORATION COM 235851102 289 2,000 SH   SOLE   0 0 2,000
DARDEN RESTAURANTS INC COM 237194105 355 3,000 SH   SOLE   0 0 3,000
DBX ETF TR XTRACK MSCI EAFE 233051200 5,852 180,942 SH   SOLE   0 0 180,942
DBX ETF TR XTRACK MSCI EURP 233051853 1,171 39,256 SH   SOLE   0 0 39,256
DBX ETF TR XTRACK USD HIGH 233051432 399 7,977 SH   SOLE   0 0 7,977
DELTA AIR LINES INC DEL COM NEW 247361702 518 9,000 SH   SOLE   0 0 9,000
DIREXION SHS ETF TR DLY EMG MK BL 3X 25490K281 1,327 20,416 SH   SOLE   0 0 20,416
DISNEY WALT CO COM DISNEY 254687106 555 4,257 SH   SOLE   0 0 4,257
DWS MUN INCOME TR NEW COM 233368109 1,065 91,901 SH   SOLE   0 0 91,901
EATON CORP PLC SHS g29183103 499 6,000 SH   SOLE   0 0 6,000
EOG RES INC COM 26875P101 917 12,355 SH   SOLE   0 0 12,355
EXXON MOBIL CORP COM 30231G102 1,801 25,510 SH   SOLE   0 0 25,510
FEDERATED PREM MUN INC FD COM 31423P108 434 30,582 SH   SOLE   0 0 30,582
FULTON FINL CORP PA COM 360271100 162 10,000 SH   SOLE   0 0 10,000
GILEAD SCIENCES INC COM 375558103 222 3,500 SH   SOLE   0 0 3,500
GLOBAL X FDS MSCI GREECE ETF 37950E366 510 54,646 SH   SOLE   0 0 54,646
HOME DEPOT INC COM 437076102 499 2,151 SH   SOLE   0 0 2,151
INTEL CORP COM 458140100 412 8,000 SH   SOLE   0 0 8,000
INTERNATIONAL BUSINESS MACHS COM 459200101 269 1,847 SH   SOLE   0 0 1,847
INVESCO CALIF VALUE MUN INC COM 46132H106 222 17,281 SH   SOLE   0 0 17,281
INVESCO EXCHNG TRADED FD TR FTSE RAFI EMNG 46138E727 543 27,019 SH   SOLE   0 0 27,019
INVESCO QQQ TR UNIT SER 1 46090E103 378 2,000 SH   SOLE   0 0 2,000
INVESCO TR INVT GRADE MUNS COM 46131M106 172 13,362 SH   SOLE   0 0 13,362
ISHARES GOLD TRUST ISHARES 464285105 7,809 553,845 SH   SOLE   0 0 553,845
ISHARES INC MIN VOL GBL ETF 464286525 18,846 198,903 SH   SOLE   0 0 198,903
ISHARES INC MSCI BRAZIL ETF 464286400 642 15,235 SH   SOLE   0 0 15,235
ISHARES INC MSCI FRNTR100ETF 464286145 259 9,220 SH   SOLE   0 0 9,220
ISHARES INC MSCI GBL ETF NEW 46434G848 2,752 103,373 SH   SOLE   0 0 103,373
ISHARES INC MSCI MEXICO ETF 464286822 272 6,377 SH   SOLE   0 0 6,377
ISHARES INC MSCI TAIWAN ETF 46434G772 405 11,148 SH   SOLE   0 0 11,148
ISHARES TR CHINA LG-CAP ETF 464287184 408 10,247 SH   SOLE   0 0 10,247
ISHARES TR CORE HIGH DV ETF 46429B663 3,793 40,279 SH   SOLE   0 0 40,279
ISHARES TR CORE S&P TTL STK 464287150 3,488 52,000 SH   SOLE   0 0 52,000
ISHARES TR CORE S&P500 ETF 464287200 209 699 SH   SOLE   0 0 699
ISHARES TR FLTG RATE NT ETF 46429B655 1,978 38,805 SH   SOLE   0 0 38,805
ISHARES TR INTL MOMENTUM FT 46434V449 6,358 216,400 SH   SOLE   0 0 216,400
ISHARES TR INTL QLTY FACTOR 46434V456 6,068 204,457 SH   SOLE   0 0 204,457
ISHARES TR INTL SEL DIV ETF 464288448 2,597 84,477 SH   SOLE   0 0 84,477
ISHARES TR MIN VOL EAFE ETF 46429B689 315 4,300 SH   SOLE   0 0 4,300
ISHARES TR MSCI EMG MKT ETF 464287234 230 5,631 SH   SOLE   0 0 5,631
ISHARES TR MSCI INDONIA ETF 46429B309 238 9,737 SH   SOLE   0 0 9,737
ISHARES TR MSCI MIN VOL ETF 46429B697 265 4,139 SH   SOLE   0 0 4,139
ISHARES TR MSCI PERU ETF 464289842 236 6,729 SH   SOLE   0 0 6,729
ISHARES TR MSCI POLAND ETF 46429B606 284 13,739 SH   SOLE   0 0 13,739
ISHARES TR RUS 1000 GRW ETF 464287614 740 4,635 SH   SOLE   0 0 4,635
ISHARES TR RUSSELL 2000 ETF 464287655 303 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 3,065 96,490 SH   SOLE   0 0 96,490
ISHARES TR USA MOMENTUM FCT 46432F396 7,082 59,384 SH   SOLE   0 0 59,384
ISHARES TR USA QUALITY FCTR 46432F339 15,968 172,815 SH   SOLE   0 0 172,815
JOHNSON & JOHNSON COM 478160104 978 7,559 SH   SOLE   0 0 7,559
JPMORGAN CHASE & CO COM 46625H100 684 5,814 SH   SOLE   0 0 5,814
KEYCORP NEW COM 493267108 214 12,000 SH   SOLE   0 0 12,000
KOHLS CORP COM 500255104 248 5,000 SH   SOLE   0 0 5,000
LAUDER ESTEE COS INC CL A 518439104 279 1,400 SH   SOLE   0 0 1,400
LOCKHEED MARTIN CORP COM 539830109 390 1,000 SH   SOLE   0 0 1,000
MARKEL CORP COM 570535104 360 305 SH   SOLE   0 0 305
MARTIN MARIETTA MATLS INC COM 573284106 400 1,458 SH   SOLE   0 0 1,458
MCDONALDS CORP COM 580135101 1,451 6,760 SH   SOLE   0 0 6,760
METLIFE INC COM 59156r108 222 4,700 SH   SOLE   0 0 4,700
MFS INVT GRADE MUN TR SH BEN INT 59318B108 229 23,088 SH   SOLE   0 0 23,088
MICROSOFT CORP COM 594918104 1,076 7,741 SH   SOLE   0 0 7,741
NETFLIX INC COM 64110L106 291 1,089 SH   SOLE   0 0 1,089
NEUBERGER BRMAN NY MUNI FD I COM 64124K102 213 17,053 SH   SOLE   0 0 17,053
NEXTERA ENERGY INC COM 65339F101 361 1,548 SH   SOLE   0 0 1,548
NUVEEN ENHANCED MUN VALUE FD COM 67074M101 278 19,365 SH   SOLE   0 0 19,365
NUVEEN GEORGIA QLTY MUN INC COM 67072B107 128 10,294 SH   SOLE   0 0 10,294
PEPSICO INC COM 713448108 821 5,992 SH   SOLE   0 0 5,992
PHILLIPS 66 COM 718546104 512 5,000 SH   SOLE   0 0 5,000
PIONEER MUN HIGH INCOME ADV COM 723762100 1,038 94,903 SH   SOLE   0 0 94,903
PROCTER & GAMBLE CO COM 742718109 691 5,559 SH   SOLE   0 0 5,559
QUALCOMM INC COM 747525103 215 2,815 SH   SOLE   0 0 2,815
SABINE ROYALTY TR UNIT BEN INT 785688102 216 5,004 SH   SOLE   0 0 5,004
SCHWAB STRATEGIC TR 1000 INDEX ETF 808524722 346 11,857 SH   SOLE   0 0 11,857
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771 11,536 291,673 SH   SOLE   0 0 291,673
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763 4,712 124,780 SH   SOLE   0 0 124,780
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730 24,982 912,412 SH   SOLE   0 0 912,412
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755 11,795 427,802 SH   SOLE   0 0 427,802
SCHWAB STRATEGIC TR SCHWB FDT INT SC 808524748 2,904 94,507 SH   SOLE   0 0 94,507
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 949 17,618 SH   SOLE   0 0 17,618
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 3,977 56,000 SH   SOLE   0 0 56,000
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 990 18,065 SH   SOLE   0 0 18,065
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 924 10,997 SH   SOLE   0 0 10,997
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 663 9,345 SH   SOLE   0 0 9,345
SOUTHWEST AIRLS CO COM 844741108 769 14,234 SH   SOLE   0 0 14,234
SPDR S&P 500 ETF TR TR UNIT 78462F103 1,073 3,616 SH   SOLE   0 0 3,616
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 465 1,320 SH   SOLE   0 0 1,320
SPDR SERIES TRUST NUVEEN BLMBRG SR 78468R739 741 15,120 SH   SOLE   0 0 15,120
SPDR SERIES TRUST PRTFLO S&P500 HI 78468R788 472 12,439 SH   SOLE   0 0 12,439
STARBUCKS CORP COM 855244109 310 3,506 SH   SOLE   0 0 3,506
SUNTRUST BKS INC COM 867914103 206 3,000 SH   SOLE   0 0 3,000
TARGET CORP COM 87612E106 321 3,000 SH   SOLE   0 0 3,000
TEXAS INSTRS INC COM 882508104 455 3,523 SH   SOLE   0 0 3,523
UDR INC COM 902653104 487 10,050 SH   SOLE   0 0 10,050
UNION PACIFIC CORP COM 907818108 421 2,600 SH   SOLE   0 0 2,600
UNITED TECHNOLOGIES CORP COM 913017109 352 2,578 SH   SOLE   0 0 2,578
UNITEDHEALTH GROUP INC COM 91324p102 435 2,000 SH   SOLE   0 0 2,000
VANECK VECTORS ETF TR RUSSIA ETF 92189F403 653 28,629 SH   SOLE   0 0 28,629
VANGUARD BD INDEX FD INC LONG TERM BOND 921937793 2,722 26,510 SH   SOLE   0 0 26,510
VANGUARD BD INDEX FD INC SHORT TRM BOND 921937827 8,449 104,580 SH   SOLE   0 0 104,580
VANGUARD BD INDEX FD INC TOTAL BND MRKT 921937835 13,184 156,150 SH   SOLE   0 0 156,150
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 3,304 56,166 SH   SOLE   0 0 56,166
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 273 1,000 SH   SOLE   0 0 1,000
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676 4,959 84,632 SH   SOLE   0 0 84,632
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 47,080 629,249 SH   SOLE   0 0 629,249
VANGUARD WHITEHALL FDS INC EMERG MKT BD ETF 921946885 2,032 25,211 SH   SOLE   0 0 25,211
VANGUARD WHITEHALL FDS INC HIGH DIV YLD 921946406 1,144 12,892 SH   SOLE   0 0 12,892
VIAVI SOLUTIONS INC COM 925550105 465 33,232 SH   SOLE   0 0 33,232
VISA INC COM CL A 92826C839 744 4,326 SH   SOLE   0 0 4,326
VISHAY INTERTECHNOLOGY INC COM 928298108 271 16,000 SH   SOLE   0 0 16,000
WALMART INC COM 931142103 279 2,352 SH   SOLE   0 0 2,352
WELLS FARGO CO NEW COM 949746101 303 6,000 SH   SOLE   0 0 6,000
WESTERN ASSET INTM MUNI FD I COM 958435109 948 103,271 SH   SOLE   0 0 103,271
WHITE MTNS INS GROUP LTD COM g9618e107 432 400 SH   SOLE   0 0 400
WISDOMTREE TR EMER MKT HIGH FD 97717W315 630 15,244 SH   SOLE   0 0 15,244
WISDOMTREE TR US LARGECAP DIVD 97717W307 380 3,835 SH   SOLE   0 0 3,835
YUM BRANDS INC COM 988498101 541 4,768 SH   SOLE   0 0 4,768