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
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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 MMM 88579Y101 253 1,275 SH   SOLE 1,275 0 0
Aberdeen Std Gold ETF TR Physical Swiss Gold Shares SGOL 00326A104 462 27,166 SH   SOLE 27,166 0 0
Alibaba Group Holding F Sponsored Adr BABA 01609W102 216 953 SH   SOLE 953 0 0
Alphabet Inc. Class A GOOGL 02079K305 723 296 SH   SOLE 296 0 0
Amazon.com Inc. AMZN 023135106 2,332 678 SH   SOLE 678 0 0
Amgen Inc. AMGN 031162100 358 1,470 SH   SOLE 1,470 0 0
Annaly Capital Mgmt Reit NLY 035710409 193 21,750 SH   SOLE 21,750 0 0
Apple Inc. AAPL 037833100 4,608 33,646 SH   SOLE 33,646 0 0
Arista Networks Inc ANET 040413106 1,558 4,300 SH   SOLE 4,300 0 0
Asml Hldgs Nv F Sponsored Adr ASML N07059210 242 350 SH   SOLE 350 0 0
Berkshire Hathaway Inc. New Com BRKB 084670702 606 2,180 SH   SOLE 2,180 0 0
Caterpillar Inc. Common Stock CAT 149123101 777 3,571 SH   SOLE 3,571 0 0
Cisco Systems Inc. CSCO 17275R102 445 8,400 SH   SOLE 8,400 0 0
Convatec Group Plc Ordf CNVVF G23969101 39 11,595 SH   SOLE 11,595 0 0
CVS Health Corporation Common S CVS 126650100 493 5,905 SH   SOLE 5,905 0 0
Duke Energy Corporation (Holdin DUK 26441C204 411 4,160 SH   SOLE 4,160 0 0
Edwards Lifesciences EW 28176E108 669 6,461 SH   SOLE 6,461 0 0
First Trust Biotech Index FBT 33733E203 201 1,165 SH   SOLE 1,165 0 0
Goldman Sachs Active Beta US Large Cap GSLC 381430503 350 4,069 SH   SOLE 4,069 0 0
Healthier Choices Manage HCMC 42226N109 0 125,750 SH   SOLE 125,750 0 0
Honeywell Intl Inc HON 438516106 269 1,227 SH   SOLE 1,227 0 0
Intel Corporation INTC 458140100 438 7,803 SH   SOLE 7,803 0 0
Invesco Qqq Trust QQQ 73935A104 4,365 12,315 SH   SOLE 12,315 0 0
Ishares California Muni Bond Etf CMF 464288356 401 6,409 SH   SOLE 6,409 0 0
iShares Cohen & Steers REIT ETF ICF 464287564 1,288 19,708 SH   SOLE 19,708 0 0
iShares Core MSCI Total Intl Stk IXUS 46432F834 10,016 136,647 SH   SOLE 136,647 0 0
iShares Core S&P Small-Cap ETF IJR 464287804 695 6,148 SH   SOLE 6,148 0 0
Ishares Core Us Growth Etf (was IWZ Russwell 3000 Growth) IUSG 464287671 1,719 17,024 SH   SOLE 17,024 0 0
iShares Edge MSCI USA Quality F QUAL 46432F339 1,138 8,567 SH   SOLE 8,567 0 0
Ishares Esg Msci Eafe Etf ESGD 46435G516 1,680 21,256 SH   SOLE 21,256 0 0
Ishares Esg Msci Em Etf Iv ESGE 46434G863 1,704 37,732 SH   SOLE 37,732 0 0
Ishares Global Clean Energy Etf ICLN 464288224 781 33,292 SH   SOLE 33,292 0 0
iShares Global Healthcare ETF IXJ 464287325 1,780 21,418 SH   SOLE 21,418 0 0
ishares Gold Trust IAU 464285105 7,144 211,928 SH   SOLE 211,928 0 0
iShares J.P. Morgan USD Emergin EMB 464288281 769 6,840 SH   SOLE 6,840 0 0
iShares KLD 400 Social Index DSI 464288570 1,362 16,440 SH   SOLE 16,440 0 0
iShares MSCI EAFE Growth ETF EFG 464288885 321 2,995 SH   SOLE 2,995 0 0
Ishares MSCI Global Gold Miners EFT RING 46434G855 295 10,522 SH   SOLE 10,522 0 0
Ishares MSCI UDA ESG Optimiized EFT ESGU 46435G425 1,256 12,751 SH   SOLE 12,751 0 0
Ishares Msci Usa Esg Select Etf SUSA 464288802 260 2,720 SH   SOLE 2,720 0 0
iShares Nasdaq Biotechnology In IBB 464287556 2,103 12,851 SH   SOLE 12,851 0 0
Ishares National Muni Bond Etf MUB 464288414 2,414 20,594 SH   SOLE 20,594 0 0
Ishares Preferred Income Sec Etf PFF 464288687 308 7,829 SH   SOLE 7,829 0 0
iShares Russell 1000 Growth ETF IWF 464287614 6,696 24,666 SH   SOLE 24,666 0 0
Ishares Russell Mid Cap Growth Etf IWP 464287481 396 3,500 SH   SOLE 3,500 0 0
iShares S&P 500 Index IVV 464287200 630 1,466 SH   SOLE 1,466 0 0
iShares S&P 500 Value ETF IVE 464287408 448 3,035 SH   SOLE 3,035 0 0
ISHARES S&P GSTI TECHNOLOGY I (IGM IGM 464287549 5,453 13,497 SH   SOLE 13,497 0 0
iShares S&P SmallCap 600 Growth IJT 464287887 1,977 14,908 SH   SOLE 14,908 0 0
iShares Select Dividend ETF DVY 464287168 9,154 78,491 SH   SOLE 78,491 0 0
Ishares Short Term Ntnl Mun Bnd Etf SUB 464288158 1,024 9,500 SH   SOLE 9,500 0 0
Ishares Short Treasury Bond Etf SHV 464288679 5,131 46,443 SH   SOLE 46,443 0 0
Ishares Ultra Short Term Bond Etf ICSH 46434V878 328 6,500 SH   SOLE 6,500 0 0
J P Morgan Chase & Co JPM 46625H100 206 1,327 SH   SOLE 1,327 0 0
Johnson & Johnson Common Stock JNJ 478160104 1,432 8,691 SH   SOLE 8,691 0 0
Lloyds Banking Gro Ordf LLDTF G5533W248 12 18,700 SH   SOLE 18,700 0 0
Lockheed Martin Corp LMT 539830109 204 540 SH   SOLE 540 0 0
Medtronic plc. Ordinary Shares MDT G5960L103 337 2,718 SH   SOLE 2,718 0 0
Merck & Company Inc. Common St MRK 58933Y105 245 3,144 SH   SOLE 3,144 0 0
Microsoft Corporation MSFT 594918104 1,509 5,569 SH   SOLE 5,569 0 0
Nestle S A F Sponsored Adr NSRGY 641069406 283 2,265 SH   SOLE 2,265 0 0
Nuveen Esg Large Cap Growth Etf NULG 67092P201 359 5,567 SH   SOLE 5,567 0 0
Nuveen Esg Small Cap Etf NUSC 67092P607 500 11,065 SH   SOLE 11,065 0 0
Pepsico Inc. Common Stock PEP 713448108 386 2,604 SH   SOLE 2,604 0 0
Philip Morris International Inc PM 718172109 852 8,600 SH   SOLE 8,600 0 0
Powershares Momentum Factor MTUM 46432F396 1,707 9,843 SH   SOLE 9,843 0 0
Procter & Gamble Company (The) PG 742718109 624 4,624 SH   SOLE 4,624 0 0
Public Storage Inc PSA 74460D109 226 750 SH   SOLE 750 0 0
Rio Tinto Plc F Sponsored Adr RIO G75754104 252 3,000 SH   SOLE 3,000 0 0
Schwab High Dividend ETF SCHD 808524797 2,938 38,858 SH   SOLE 38,858 0 0
Schwab International Equity Etf SCHF 808524805 265 6,717 SH   SOLE 6,717 0 0
Schwab Internatnal Small Cap Eqy Etf SCHC 808524888 268 6,433 SH   SOLE 6,433 0 0
Schwab Us Tips Etf SCHP 808524870 2,998 47,958 SH   SOLE 47,958 0 0
Southern Co SO 842587107 855 14,124 SH   SOLE 14,124 0 0
Spdr Bloomberg Barclays 1-3 Month T-bill Etf BIL 78468R663 247 2,700 SH   SOLE 2,700 0 0
SPDR Gold Shares (GLD) GLD 78463V107 992 5,988 SH   SOLE 5,988 0 0
SPDR Nuveen S&P High Yield Muni Bd ETF HYMB 78464A284 274 4,500 SH   SOLE 4,500 0 0
SPDR S&P 500 SPY 78462F103 1,970 4,603 SH   SOLE 4,603 0 0
Tencent Holdings F Sponsored Adr TCEHY 88032Q109 264 3,500 SH   SOLE 3,500 0 0
Unity Software Inc U 91332U101 4,613 42,000 SH   SOLE 42,000 0 0
VanEck Vectors Gold Miners ETF GDX 92189F106 1,198 35,245 SH   SOLE 35,245 0 0
Vanguard Dividend Appreciation ETF VIG 921908844 7,431 48,008 SH   SOLE 48,008 0 0
Vanguard Emerging Markets Bond Index VWOB 921946885 592 7,410 SH   SOLE 7,410 0 0
Vanguard Esg International Stock Etf VSGX 921910725 2,155 33,599 SH   SOLE 33,599 0 0
Vanguard Esg U.S. Stock Etf ESGV 921910733 2,522 31,534 SH   SOLE 31,534 0 0
Vanguard Financials ETF (VFH VFH 92204A405 214 2,365 SH   SOLE 2,365 0 0
Vanguard Ftse All World Ex Us Etf VEU 922042775 795 12,543 SH   SOLE 12,543 0 0
Vanguard FTSE Developed Markets ETF VEA 921943858 1,098 21,304 SH   SOLE 21,304 0 0
Vanguard Ftse Emerging Markets Etf VWO 922042858 3,420 62,979 SH   SOLE 62,979 0 0
Vanguard Ftse Europe Etf VGK 922042874 540 8,035 SH   SOLE 8,035 0 0
Vanguard Ftse Pacific Etf VPL 922042866 495 6,019 SH   SOLE 6,019 0 0
Vanguard Growth Etf VUG 922908736 54,943 191,567 SH   SOLE 191,567 0 0
Vanguard Health Care Etf VHT 92204A504 5,282 21,375 SH   SOLE 21,375 0 0
Vanguard High Dividend Yield Indx ETF VYM 921946406 32,173 307,086 SH   SOLE 307,086 0 0
Vanguard Information Technology ETF VGT 92204A702 14,874 37,300 SH   SOLE 37,300 0 0
Vanguard Intermediate Term Bond Etf BIV 921937819 4,343 48,277 SH   SOLE 48,277 0 0
Vanguard Interm-Tm Corp Bd Idx ETF VCIT 92206C870 11,526 121,235 SH   SOLE 121,235 0 0
Vanguard Long-term Bond Etf BLV 921937793 1,737 16,856 SH   SOLE 16,856 0 0
Vanguard Long-Term Corp Bond Idx ETF VCLT 92206C813 8,963 83,816 SH   SOLE 83,816 0 0
Vanguard Mega Cap Growth Etf MGK 921910816 791 3,420 SH   SOLE 3,420 0 0
Vanguard Mid-Cap ETF VO 922908629 2,442 10,289 SH   SOLE 10,289 0 0
Vanguard Mid-Cap Growth ETF - D VOT 922908538 3,460 14,639 SH   SOLE 14,639 0 0
Vanguard Mid-Cap Value ETF VOE 922908512 2,733 19,449 SH   SOLE 19,449 0 0
Vanguard Real Estate Etf VNQ 922908553 2,768 27,193 SH   SOLE 27,193 0 0
Vanguard S&p 500 Etf VOO 922908363 3,083 7,834 SH   SOLE 7,834 0 0
Vanguard Short Term Bond Index BSV 921937827 9,358 113,900 SH   SOLE 113,900 0 0
Vanguard Short Term Treasury Etf VGSH 92206C102 6,585 107,192 SH   SOLE 107,192 0 0
Vanguard Short-Term Corp Bd Idx ETF VCSH 92206C409 12,231 147,878 SH   SOLE 147,878 0 0
Vanguard Short-Term Infl-Prot Secs ETF` VTIP 922020805 3,941 75,200 SH   SOLE 75,200 0 0
Vanguard Small Cap ETF VB 922908751 4,333 19,232 SH   SOLE 19,232 0 0
Vanguard Small-Cap Value ETF VBR 922908611 4,281 24,653 SH   SOLE 24,653 0 0
Vanguard Tax-Exempt Bond ETF VTEB 922907746 583 10,550 SH   SOLE 10,550 0 0
Vanguard Total Bond Market ETF BND 921937835 4,969 57,854 SH   SOLE 57,854 0 0
Vanguard Total International Stock E VXUS 921909768 20,280 308,776 SH   SOLE 308,776 0 0
Vanguard Total Stock Market Etf VTI 922908769 1,249 5,607 SH   SOLE 5,607 0 0
Vanguard Utilities Etf VPU 92204A876 246 1,773 SH   SOLE 1,773 0 0
Vanguard Value ETF VTV 922908744 12,306 89,526 SH   SOLE 89,526 0 0
Verizon Communications VZ 92343V104 294 5,245 SH   SOLE 5,245 0 0
Vodafone Group Ordf VODPF G93882192 30 17,765 SH   SOLE 17,765 0 0
Walmart Inc WMT 931142103 1,019 7,225 SH   SOLE 7,225 0 0
Walt Disney Co DIS 254687106 205 1,165 SH   SOLE 1,165 0 0