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 490 3,588 SH   SOLE   3,588 0 0
ABBOTT LABS COM 002824100 581 7,360 SH   SOLE   7,360 0 0
ABBVIE INC COM 00287Y109 487 6,393 SH   SOLE   6,393 0 0
ABERDEEN TOTAL DYNAMIC DIVD COM SH BEN INT 00326L100 118 17,882 SH   SOLE   17,882 0 0
ADT INC COM 00090Q103 44 10,128 SH   SOLE   10,128 0 0
ADVANCED MICRO DEVICES INC COM 007903107 612 13,452 SH   SOLE   13,452 0 0
AIR PRODS & CHEMS INC COM 009158106 239 1,197 SH   SOLE   1,197 0 0
ALBEMARLE CORP COM 012653101 202 3,576 SH   SOLE   3,576 0 0
ALIBABA GROUP HLDG LTD SPONSORED ADS 01609W102 483 2,484 SH   SOLE   2,484 0 0
ALPHABET INC CAP STK CL C 02079K107 921 792 SH   SOLE   792 0 0
ALPHABET INC CAP STK CL A 02079K305 1,213 1,044 SH   SOLE   1,044 0 0
ALTRIA GROUP INC COM 02209S103 360 9,308 SH   SOLE   9,308 0 0
AMAZON COM INC COM 023135106 1,706 875 SH   SOLE   875 0 0
AMGEN INC COM 031162100 356 1,755 SH   SOLE   1,755 0 0
ANNALY CAPITAL MANAGEMENT IN COM 035710409 95 18,648 SH   SOLE   18,648 0 0
APPLE INC COM 037833100 1,944 7,647 SH   SOLE   7,647 0 0
APPLIED MATLS INC COM 038222105 481 10,501 SH   SOLE   10,501 0 0
AT&T INC COM 00206R102 539 18,498 SH   SOLE   18,498 0 0
B2GOLD CORP COM 11777Q209 34 11,117 SH   SOLE   11,117 0 0
BAXTER INTL INC COM 071813109 209 2,571 SH   SOLE   2,571 0 0
BLACKROCK ENHANCED INTL DIV COM BENE INTER 092524107 152 33,672 SH   SOLE   33,672 0 0
BLACKROCK MUN TARGET TERM TR COM SHS BEN IN 09257P105 674 29,733 SH   SOLE   29,733 0 0
BLACKROCK MUNIYIELD INVT FD COM 09254R104 142 10,712 SH   SOLE   10,712 0 0
BLACKROCK TAX MUNICPAL BD TR SHS 09248X100 267 12,250 SH   SOLE   12,250 0 0
BOEING CO COM 097023105 408 2,735 SH   SOLE   2,735 0 0
BP PLC SPONSORED ADR 055622104 242 9,914 SH   SOLE   9,914 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108 252 4,517 SH   SOLE   4,517 0 0
BROOKDALE SR LIVING INC COM 112463104 98 31,551 SH   SOLE   31,551 0 0
CAMPBELL SOUP CO COM 134429109 477 10,335 SH   SOLE   10,335 0 0
CHEVRON CORP NEW COM 166764100 227 3,134 SH   SOLE   3,134 0 0
CHIPOTLE MEXICAN GRILL INC COM 169656105 251 384 SH   SOLE   384 0 0
CISCO SYS INC COM 17275R102 384 9,773 SH   SOLE   9,773 0 0
CITIGROUP INC COM NEW 172967424 222 5,273 SH   SOLE   5,273 0 0
CLOROX CO DEL COM 189054109 230 1,329 SH   SOLE   1,329 0 0
COCA COLA CO COM 191216100 778 17,583 SH   SOLE   17,583 0 0
CONOCOPHILLIPS COM 20825C104 201 6,522 SH   SOLE   6,522 0 0
COSTCO WHSL CORP NEW COM 22160K105 266 932 SH   SOLE   932 0 0
CSX CORP COM 126408103 276 4,822 SH   SOLE   4,822 0 0
CVS HEALTH CORP COM 126650100 304 5,123 SH   SOLE   5,123 0 0
DANAHER CORPORATION COM 235851102 206 1,489 SH   SOLE   1,489 0 0
DELTA AIR LINES INC DEL COM NEW 247361702 203 7,100 SH   SOLE   7,100 0 0
DISNEY WALT CO COM DISNEY 254687106 933 9,657 SH   SOLE   9,657 0 0
DOLLAR GEN CORP NEW COM 256677105 203 1,347 SH   SOLE   1,347 0 0
DOMINION ENERGY INC COM 25746U109 297 4,117 SH   SOLE   4,117 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204 1,472 18,202 SH   SOLE   18,202 0 0
EATON VANCE RISK MNGD DIV EQ COM 27829G106 187 22,518 SH   SOLE   22,518 0 0
EQUITY RESIDENTIAL SH BEN INT 29476L107 217 3,514 SH   SOLE   3,514 0 0
EXELON CORP COM 30161N101 258 7,012 SH   SOLE   7,012 0 0
EXXON MOBIL CORP COM 30231G102 580 15,287 SH   SOLE   15,287 0 0
FACEBOOK INC CL A 30303M102 456 2,732 SH   SOLE   2,732 0 0
FITBIT INC CL A 33812L102 86 12,850 SH   SOLE   12,850 0 0
FORD MTR CO DEL COM 345370860 124 25,608 SH   SOLE   25,608 0 0
FS KKR CAPITAL CORP COM 302635107 37 12,207 SH   SOLE   12,207 0 0
GENERAL ELECTRIC CO COM 369604103 196 24,746 SH   SOLE   24,746 0 0
GENERAL MLS INC COM 370334104 247 4,682 SH   SOLE   4,682 0 0
GILEAD SCIENCES INC COM 375558103 215 2,877 SH   SOLE   2,877 0 0
GOLDMAN SACHS ETF TR ACTIVEBETA US LG 381430503 200 3,827 SH   SOLE   3,827 0 0
GOLDMAN SACHS ETF TR ACCES TREASURY 381430529 1,337 13,267 SH   SOLE   13,267 0 0
HOME DEPOT INC COM 437076102 1,473 7,891 SH   SOLE   7,891 0 0
HONEYWELL INTL INC COM 438516106 1,124 8,399 SH   SOLE   8,399 0 0
INTEL CORP COM 458140100 957 17,690 SH   SOLE   17,690 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 266 2,394 SH   SOLE   2,394 0 0
INVESCO EXCHANGE-TRADED FD T NATL AMT MUNI 46138E537 388 15,050 SH   SOLE   15,050 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 943 4,951 SH   SOLE   4,951 0 0
INVESCO QUALITY MUNI INC TRS COM 46133G107 164 14,032 SH   SOLE   14,032 0 0
ISHARES INC ESG MSCI EM ETF 46434G863 322 11,754 SH   SOLE   11,754 0 0
ISHARES TR TIPS BD ETF 464287176 463 3,926 SH   SOLE   3,926 0 0
ISHARES TR CORE S&P500 ETF 464287200 2,239 8,664 SH   SOLE   8,664 0 0
ISHARES TR CORE US AGGBD ET 464287226 776 6,723 SH   SOLE   6,723 0 0
ISHARES TR GLOBAL TECH ETF 464287291 255 1,397 SH   SOLE   1,397 0 0
ISHARES TR 20 YR TR BD ETF 464287432 444 2,689 SH   SOLE   2,689 0 0
ISHARES TR 1 3 YR TREAS BD 464287457 431 4,979 SH   SOLE   4,979 0 0
ISHARES TR MSCI EAFE ETF 464287465 254 4,757 SH   SOLE   4,757 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 251 2,194 SH   SOLE   2,194 0 0
ISHARES TR NATIONAL MUN ETF 464288414 819 7,245 SH   SOLE   7,245 0 0
ISHARES TR MBS ETF 464288588 429 3,883 SH   SOLE   3,883 0 0
ISHARES TR INTRM TR CRP ETF 464288638 585 10,660 SH   SOLE   10,660 0 0
ISHARES TR 3 7 YR TREAS BD 464288661 336 2,520 SH   SOLE   2,520 0 0
ISHARES TR US TREAS BD ETF 46429B267 1,626 58,058 SH   SOLE   58,058 0 0
ISHARES TR MSCI MIN VOL ETF 46429B697 461 8,531 SH   SOLE   8,531 0 0
ISHARES TR 0-5 YR TIPS ETF 46429B747 556 5,568 SH   SOLE   5,568 0 0
ISHARES TR USA QUALITY FCTR 46432F339 559 6,894 SH   SOLE   6,894 0 0
ISHARES TR 0-5YR HI YL CP 46434V407 357 8,724 SH   SOLE   8,724 0 0
ISHARES TR ESG MSCI USA ETF 46435G425 549 9,558 SH   SOLE   9,558 0 0
ISHARES U S ETF TR SHT MAT BD ETF 46431W507 485 10,000 SH   SOLE   10,000 0 0
JOHNSON & JOHNSON COM 478160104 876 6,680 SH   SOLE   6,680 0 0
JPMORGAN CHASE & CO COM 46625H100 550 6,113 SH   SOLE   6,113 0 0
MCDONALDS CORP COM 580135101 955 5,775 SH   SOLE   5,775 0 0
MERCK & CO. INC COM 58933Y105 592 7,696 SH   SOLE   7,696 0 0
MICRON TECHNOLOGY INC COM 595112103 224 5,325 SH   SOLE   5,325 0 0
MICROSOFT CORP COM 594918104 2,618 16,598 SH   SOLE   16,598 0 0
NEWMONT CORP COM 651639106 345 7,613 SH   SOLE   7,613 0 0
NEXTERA ENERGY INC COM 65339F101 853 3,547 SH   SOLE   3,547 0 0
NORFOLK SOUTHERN CORP COM 655844108 390 2,668 SH   SOLE   2,668 0 0
NUVEEN AMT FREE QLTY MUN INC COM 670657105 495 36,579 SH   SOLE   36,579 0 0
NVIDIA CORP COM 67066G104 728 2,761 SH   SOLE   2,761 0 0
PAYCHEX INC COM 704326107 238 3,784 SH   SOLE   3,784 0 0
PAYPAL HLDGS INC COM 70450Y103 553 5,771 SH   SOLE   5,771 0 0
PEOPLES UTD FINL INC COM 712704105 184 16,633 SH   SOLE   16,633 0 0
PEPSICO INC COM 713448108 385 3,203 SH   SOLE   3,203 0 0
PFIZER INC COM 717081103 365 11,191 SH   SOLE   11,191 0 0
PHILIP MORRIS INTL INC COM 718172109 242 3,313 SH   SOLE   3,313 0 0
PHILLIPS 66 COM 718546104 222 4,145 SH   SOLE   4,145 0 0
PPG INDS INC COM 693506107 344 4,119 SH   SOLE   4,119 0 0
PROCTER & GAMBLE CO COM 742718109 1,166 10,603 SH   SOLE   10,603 0 0
PUTNAM MUN OPPORTUNITIES TR SH BEN INT 746922103 173 14,478 SH   SOLE   14,478 0 0
RAYTHEON CO COM NEW 755111507 224 1,710 SH   SOLE   1,710 0 0
REALOGY HLDGS CORP COM 75605Y106 30 10,000 SH   SOLE   10,000 0 0
ROYAL DUTCH SHELL PLC SPONS ADR A 780259206 226 6,489 SH   SOLE   6,489 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 4,431 73,317 SH   SOLE   73,317 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 1,548 25,276 SH   SOLE   25,276 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 766 37,020 SH   SOLE   37,020 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 266 5,918 SH   SOLE   5,918 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 2,096 81,113 SH   SOLE   81,113 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 715 13,168 SH   SOLE   13,168 0 0
SCHWAB STRATEGIC TR INTRM TRM TRES 808524854 1,351 22,982 SH   SOLE   22,982 0 0
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 6,253 120,876 SH   SOLE   120,876 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870 605 10,521 SH   SOLE   10,521 0 0
SELECT SECTOR SPDR TR SBI INT-FINL 81369Y605 819 39,314 SH   SOLE   39,314 0 0
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704 824 13,955 SH   SOLE   13,955 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 1,569 19,517 SH   SOLE   19,517 0 0
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886 333 6,015 SH   SOLE   6,015 0 0
SIRIUS XM HLDGS INC COM 82968B103 90 18,314 SH   SOLE   18,314 0 0
SNAP INC CL A 83304A106 124 10,434 SH   SOLE   10,434 0 0
SOUTHERN CO COM 842587107 513 9,482 SH   SOLE   9,482 0 0
SOUTHWEST AIRLS CO COM 844741108 275 7,710 SH   SOLE   7,710 0 0
SPDR DOW JONES INDL AVRG ETF UT SER 1 78467X109 228 1,039 SH   SOLE   1,039 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 7,518 29,168 SH   SOLE   29,168 0 0
SPDR SER TR PORTFOLIO SH TSR 78468R101 834 27,136 SH   SOLE   27,136 0 0
SPDR SER TR BLOMBERG BRC INV 78468R200 282 9,590 SH   SOLE   9,590 0 0
SPDR SER TR NUVEEN BRC MUNIC 78468R721 221 4,421 SH   SOLE   4,421 0 0
SPDR SER TR NUVEEN BLMBRG SR 78468R739 306 6,265 SH   SOLE   6,265 0 0
SPLUNK INC COM 848637104 324 2,570 SH   SOLE   2,570 0 0
TRI CONTL CORP COM 895436103 763 36,508 SH   SOLE   36,508 0 0
TRUIST FINL CORP COM 89832Q109 227 7,350 SH   SOLE   7,350 0 0
UNION PAC CORP COM 907818108 316 2,239 SH   SOLE   2,239 0 0
UNITED PARCEL SERVICE INC CL B 911312106 300 3,206 SH   SOLE   3,206 0 0
UNITEDHEALTH GROUP INC COM 91324P102 380 1,524 SH   SOLE   1,524 0 0
VALLEY NATL BANCORP COM 919794107 102 13,894 SH   SOLE   13,894 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 625 7,324 SH   SOLE   7,324 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 1,438 11,155 SH   SOLE   11,155 0 0
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 695 11,062 SH   SOLE   11,062 0 0
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 1,243 25,516 SH   SOLE   25,516 0 0
VANGUARD MUN BD FD INC TAX EXEMPT BD 922907746 522 9,870 SH   SOLE   9,870 0 0
VANGUARD SCOTTSDALE FDS MORTG-BACK SEC 92206C771 514 9,436 SH   SOLE   9,436 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 435 4,212 SH   SOLE   4,212 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768 727 17,329 SH   SOLE   17,329 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 810 15,069 SH   SOLE   15,069 0 0
WALGREENS BOOTS ALLIANCE INC COM 931427108 213 4,651 SH   SOLE   4,651 0 0
WALMART INC COM 931142103 1,706 15,013 SH   SOLE   15,013 0 0
WASTE MGMT INC DEL COM 94106L109 336 3,632 SH   SOLE   3,632 0 0
WEC ENERGY GROUP INC COM 92939U106 331 3,757 SH   SOLE   3,757 0 0