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 3,103 25,180 SH   SOLE   0 0 25,180
ABBVIE INC COM 00287Y109 2,865 16,377 SH   SOLE   0 0 16,377
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 2,001 5,905 SH   SOLE   0 0 5,905
ADOBE SYSTEMS INCORPORATED COM 00724F101 269 603 SH   SOLE   0 0 603
AIRBNB INC COM CL A 009066101 374 2,298 SH   SOLE   0 0 2,298
ALLSTATE CORP COM 020002101 254 1,791 SH   SOLE   0 0 1,791
ALPHABET INC CAP STK CL A 02079K305 2,391 897 SH   SOLE   0 0 897
ALPHABET INC CAP STK CL C 02079K107 1,713 639 SH   SOLE   0 0 639
AMAZON COM INC COM 023135106 4,152 1,344 SH   SOLE   0 0 1,344
AMERICAN EXPRESS CO COM 025816109 443 2,409 SH   SOLE   0 0 2,409
AMERICAN TOWER CORP NEW COM 03027X100 982 3,688 SH   SOLE   0 0 3,688
ANALOG DEVICES INC COM 032654105 1,237 7,791 SH   SOLE   0 0 7,791
ANTHEM INC COM 036752103 854 1,640 SH   SOLE   0 0 1,640
AON PLC SHS CL A G0403H108 296 888 SH   SOLE   0 0 888
APPLE INC COM 037833100 11,403 67,043 SH   SOLE   0 0 67,043
AT&T INC COM 00206R102 972 40,245 SH   SOLE   0 0 40,245
AUTOMATIC DATA PROCESSING IN COM 053015103 671 2,822 SH   SOLE   0 0 2,822
BALL CORP COM 058498106 203 2,321 SH   SOLE   0 0 2,321
BANK NEW YORK MELLON CORP COM 064058100 217 4,496 SH   SOLE   0 0 4,496
BAXTER INTL INC COM 071813109 302 3,772 SH   SOLE   0 0 3,772
BECTON DICKINSON & CO COM 075887109 445 1,617 SH   SOLE   0 0 1,617
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 3,547 10,045 SH   SOLE   0 0 10,045
BERKSHIRE HATHAWAY INC DEL CL A 084670108 529 1 SH   SOLE   0 0 1
BK OF AMERICA CORP COM 060505104 995 25,084 SH   SOLE   0 0 25,084
BLACKROCK INC COM 09247X101 1,326 1,802 SH   SOLE   0 0 1,802
BLACKSTONE GROUP INC COM 09260D107 500 4,351 SH   SOLE   0 0 4,351
BP PLC SPONSORED ADR 055622104 254 8,338 SH   SOLE   0 0 8,338
BRISTOL-MYERS SQUIBB CO COM 110122108 721 9,275 SH   SOLE   0 0 9,275
CALUMET SPECIALTY PRODS PTNR UT LTD PARTNER 131476103 1,582 120,878 SH   SOLE   0 0 120,878
CATERPILLAR INC COM 149123101 1,764 8,130 SH   SOLE   0 0 8,130
CBRE GROUP INC CL A 12504L109 247 2,863 SH   SOLE   0 0 2,863
CHEVRON CORP NEW COM 166764100 391 2,303 SH   SOLE   0 0 2,303
CHUBB LIMITED COM H1467J104 471 2,181 SH   SOLE   0 0 2,181
CISCO SYS INC COM 17275R102 806 14,844 SH   SOLE   0 0 14,844
CITIZENS FINANCIAL GROUP INC COM 174610105 401 9,597 SH   SOLE   0 0 9,597
CLEAN HARBORS INC COM 184496107 5,864 53,775 SH   SOLE   0 0 53,775
COCA COLA CO COM 191216100 1,146 17,950 SH   SOLE   0 0 17,950
COLGATE PALMOLIVE CO COM 194162103 483 6,024 SH   SOLE   0 0 6,024
COMCAST CORP NEW CL A 20030N101 594 12,522 SH   SOLE   0 0 12,522
COSTCO WHSL CORP NEW COM 22160K105 1,571 2,619 SH   SOLE   0 0 2,619
CROWN CASTLE INTL CORP NEW COM 22822V101 233 1,178 SH   SOLE   0 0 1,178
CUMMINS INC COM 231021106 440 2,260 SH   SOLE   0 0 2,260
CVS HEALTH CORP COM 126650100 1,439 13,498 SH   SOLE   0 0 13,498
DANAHER CORPORATION COM 235851102 1,882 6,288 SH   SOLE   0 0 6,288
DEUTSCHE BANK A G NAMEN AKT D18190898 245 19,161 SH   SOLE   0 0 19,161
DIGITAL RLTY TR INC COM 253868103 534 3,562 SH   SOLE   0 0 3,562
DISNEY WALT CO COM 254687106 1,855 14,065 SH   SOLE   0 0 14,065
DOLLAR GEN CORP NEW COM 256677105 1,561 6,352 SH   SOLE   0 0 6,352
EQUINIX INC COM 29444U700 207 269 SH   SOLE   0 0 269
EXXON MOBIL CORP COM 30231G102 1,146 13,193 SH   SOLE   0 0 13,193
FACEBOOK INC CL A 30303M102 372 1,672 SH   SOLE   0 0 1,672
FEDEX CORP COM 31428X106 260 1,290 SH   SOLE   0 0 1,290
FORD MTR CO DEL COM 345370860 1,039 69,026 SH   SOLE   0 0 69,026
GENERAL ELECTRIC CO COM 369604103 674 7,515 SH   SOLE   0 0 7,515
GOLDMAN SACHS ETF TR ACES ULTRA SHR 381430230 368 7,336 SH   SOLE   0 0 7,336
GOLDMAN SACHS ETF TR ACCES TREASURY 381430529 1,441 14,420 SH   SOLE   0 0 14,420
GOLDMAN SACHS GROUP INC COM 38141G104 1,408 4,381 SH   SOLE   0 0 4,381
HERITAGE CRYSTAL CLEAN INC COM 42726M106 1,889 65,482 SH   SOLE   0 0 65,482
HOME DEPOT INC COM 437076102 1,828 5,876 SH   SOLE   0 0 5,876
HONEYWELL INTL INC COM 438516106 1,133 5,958 SH   SOLE   0 0 5,958
ICON PLC SHS G4705A100 223 854 SH   SOLE   0 0 854
ILLINOIS TOOL WKS INC COM 452308109 808 3,968 SH   SOLE   0 0 3,968
INTEL CORP COM 458140100 642 13,662 SH   SOLE   0 0 13,662
INTERCONTINENTAL EXCHANGE IN COM 45866F104 934 7,189 SH   SOLE   0 0 7,189
INTERNATIONAL BUSINESS MACHS COM 459200101 282 2,211 SH   SOLE   0 0 2,211
INTUITIVE SURGICAL INC COM NEW 46120E602 470 1,622 SH   SOLE   0 0 1,622
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354 601 8,730 SH   SOLE   0 0 8,730
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 5,464 34,825 SH   SOLE   0 0 34,825
INVESCO EXCHANGE TRADED FD T S&P500 QUALITY 46137V241 255 5,144 SH   SOLE   0 0 5,144
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613 1,194 6,991 SH   SOLE   0 0 6,991
INVESCO QQQ TR UNIT SER 1 46090E103 227 649 SH   SOLE   0 0 649
ISHARES INC MSCI EURZONE ETF 464286608 212 5,030 SH   SOLE   0 0 5,030
ISHARES INC CORE MSCI EMKT 46434G103 494 8,920 SH   SOLE   0 0 8,920
ISHARES TR FLTG RATE NT ETF 46429B655 9,607 190,117 SH   SOLE   0 0 190,117
ISHARES TR PFD AND INCM SEC 464288687 1,833 51,780 SH   SOLE   0 0 51,780
ISHARES TR CORE MSCI TOTAL 46432F834 11,545 174,821 SH   SOLE   0 0 174,821
ISHARES TR MSCI USA VALUE 46432F388 1,252 12,067 SH   SOLE   0 0 12,067
ISHARES TR CORE TOTAL USD 46434V613 5,027 103,640 SH   SOLE   0 0 103,640
ISHARES TR SP SMCP600VL ETF 464287879 381 3,842 SH   SOLE   0 0 3,842
ISHARES TR CORE S&P SCP ETF 464287804 23,251 223,051 SH   SOLE   0 0 223,051
ISHARES TR CORE S&P US GWT 464287671 21,478 209,053 SH   SOLE   0 0 209,053
ISHARES TR CORE S&P US VLU 464287663 27,875 365,578 SH   SOLE   0 0 365,578
ISHARES TR RUS MDCP VAL ETF 464287473 35,844 301,186 SH   SOLE   0 0 301,186
ISHARES TR MRGSTR MD CP ETF 464288208 242 3,632 SH   SOLE   0 0 3,632
ISHARES TR MRGSTR SM CP GR 464288604 515 12,093 SH   SOLE   0 0 12,093
ISHARES TR CORE DIV GRWTH 46434V621 5,155 96,483 SH   SOLE   0 0 96,483
ISHARES TR BLACKROCK ULTRA 46434V878 823 16,423 SH   SOLE   0 0 16,423
ISHARES TR CORE S&P TTL STK 464287150 3,478 34,921 SH   SOLE   0 0 34,921
ISHARES TR MRGSTR MD CP VAL 464288406 223 3,235 SH   SOLE   0 0 3,235
ISHARES TR MRGSTR MD CP GRW 464288307 621 9,876 SH   SOLE   0 0 9,876
ISHARES TR MSCI USA QLT FCT 46432F339 7,819 58,771 SH   SOLE   0 0 58,771
ISHARES TR RUS 2000 VAL ETF 464287630 22,355 143,180 SH   SOLE   0 0 143,180
ISHARES TR MSCI ACWI EX US 464288240 267 5,153 SH   SOLE   0 0 5,153
ISHARES TR SHRT NAT MUN ETF 464288158 1,944 18,716 SH   SOLE   0 0 18,716
ISHARES TR NATIONAL MUN ETF 464288414 3,033 27,933 SH   SOLE   0 0 27,933
ISHARES TR MSCI USA MULTIFT 46434V282 2,439 55,014 SH   SOLE   0 0 55,014
ISHARES TR MSCI USA MIN VOL 46429B697 4,642 58,689 SH   SOLE   0 0 58,689
ISHARES TR MSCI USA SMCP MN 46435G433 282 7,548 SH   SOLE   0 0 7,548
ISHARES TR TIPS BD ETF 464287176 255 2,093 SH   SOLE   0 0 2,093
ISHARES TR SELECT DIVID ETF 464287168 209 1,622 SH   SOLE   0 0 1,622
ISHARES TR MORNINGSTAR GRWT 464287119 685 10,892 SH   SOLE   0 0 10,892
ISHARES TR CORE US AGGBD ET 464287226 1,173 11,205 SH   SOLE   0 0 11,205
ISHARES TR S&P 500 GRWT ETF 464287309 852 11,444 SH   SOLE   0 0 11,444
ISHARES TR CORE MSCI EAFE 46432F842 7,610 110,685 SH   SOLE   0 0 110,685
ISHARES TR RUSSELL 2000 ETF 464287655 326 1,650 SH   SOLE   0 0 1,650
ISHARES TR MSCI EMG MKT ETF 464287234 218 4,841 SH   SOLE   0 0 4,841
ISHARES TR S&P MC 400GR ETF 464287606 476 6,330 SH   SOLE   0 0 6,330
ISHARES TR MSCI EAFE ETF 464287465 1,473 20,207 SH   SOLE   0 0 20,207
ISHARES TR ISHS 1-5YR INVS 464288646 237 4,628 SH   SOLE   0 0 4,628
ISHARES TR RUS MID CAP ETF 464287499 702 9,117 SH   SOLE   0 0 9,117
ISHARES TR CORE S&P MCP ETF 464287507 11,638 44,605 SH   SOLE   0 0 44,605
ISHARES TR S&P 500 VAL ETF 464287408 1,020 6,499 SH   SOLE   0 0 6,499
ISHARES TR MORNINGSTAR VALU 464288109 224 3,243 SH   SOLE   0 0 3,243
ISHARES TR CORE 1 5 YR USD 46432F859 9,340 194,388 SH   SOLE   0 0 194,388
ISHARES TR S&P MC 400VL ETF 464287705 4,029 37,820 SH   SOLE   0 0 37,820
ISHARES TR RUS MD CP GR ETF 464287481 3,604 36,859 SH   SOLE   0 0 36,859
ISHARES TR CORE S&P500 ETF 464287200 19,310 42,959 SH   SOLE   0 0 42,959
ISHARES TR MORNINGSTR US EQ 464287127 263 4,245 SH   SOLE   0 0 4,245
ISHARES U S ETF TR BLACKROCK ST MAT 46431W507 7,789 157,192 SH   SOLE   0 0 157,192
J P MORGAN EXCHANGE-TRADED F ULTRA SHRT INC 46641Q837 270 5,371 SH   SOLE   0 0 5,371
J P MORGAN EXCHANGE-TRADED F EQUITY PREMIUM 46641Q332 429 6,949 SH   SOLE   0 0 6,949
JOHNSON & JOHNSON COM 478160104 2,682 14,727 SH   SOLE   0 0 14,727
JPMORGAN CHASE & CO COM 46625H100 1,908 14,294 SH   SOLE   0 0 14,294
LABORATORY CORP AMER HLDGS COM NEW 50540R409 278 1,004 SH   SOLE   0 0 1,004
LILLY ELI & CO COM 532457108 20,876 66,975 SH   SOLE   0 0 66,975
LINDE PLC SHS G5494J103 341 1,074 SH   SOLE   0 0 1,074
LOCKHEED MARTIN CORP COM 539830109 2,013 4,361 SH   SOLE   0 0 4,361
LOWES COS INC COM 548661107 764 3,698 SH   SOLE   0 0 3,698
MARRIOTT INTL INC NEW CL A 571903202 1,426 8,704 SH   SOLE   0 0 8,704
MARSH & MCLENNAN COS INC COM 571748102 448 2,594 SH   SOLE   0 0 2,594
MASTERCARD INCORPORATED CL A 57636Q104 1,109 3,148 SH   SOLE   0 0 3,148
MCDONALDS CORP COM 580135101 1,707 6,788 SH   SOLE   0 0 6,788
MEDTRONIC PLC SHS G5960L103 1,221 10,855 SH   SOLE   0 0 10,855
MERCK & CO. INC COM 58933Y105 860 9,805 SH   SOLE   0 0 9,805
MICROCHIP TECHNOLOGY INC. COM 595017104 809 12,202 SH   SOLE   0 0 12,202
MICROSOFT CORP COM 594918104 7,893 26,578 SH   SOLE   0 0 26,578
MONDELEZ INTL INC CL A 609207105 309 4,870 SH   SOLE   0 0 4,870
MORGAN STANLEY COM NEW 617446448 1,052 12,517 SH   SOLE   0 0 12,517
NIKE INC CL B 654106103 1,409 10,998 SH   SOLE   0 0 10,998
NORTHROP GRUMMAN CORP COM 666807102 448 966 SH   SOLE   0 0 966
NUVEEN SELECT TAX-FREE INCOM SH BEN INT 67062F100 229 16,188 SH   SOLE   0 0 16,188
NVIDIA CORPORATION COM 67066G104 3,648 15,777 SH   SOLE   0 0 15,777
ORACLE CORP COM 68389X105 345 4,264 SH   SOLE   0 0 4,264
PAYPAL HLDGS INC COM 70450Y103 217 1,955 SH   SOLE   0 0 1,955
PENUMBRA INC COM 70975L107 1,057 4,850 SH   SOLE   0 0 4,850
PEPSICO INC COM 713448108 1,843 10,648 SH   SOLE   0 0 10,648
PFIZER INC COM 717081103 1,482 26,857 SH   SOLE   0 0 26,857
PNC FINL SVCS GROUP INC COM 693475105 208 1,127 SH   SOLE   0 0 1,127
PPG INDS INC COM 693506107 818 6,174 SH   SOLE   0 0 6,174
PROCTER AND GAMBLE CO COM 742718109 2,011 12,561 SH   SOLE   0 0 12,561
PROSHARES TR SHORT S&P 500 NE 74347B425 351 24,724 SH   SOLE   0 0 24,724
PRUDENTIAL FINL INC COM 744320102 343 2,939 SH   SOLE   0 0 2,939
QUALCOMM INC COM 747525103 1,772 12,966 SH   SOLE   0 0 12,966
REPUBLIC SVCS INC COM 760759100 641 4,722 SH   SOLE   0 0 4,722
ROPER TECHNOLOGIES INC COM 776696106 220 457 SH   SOLE   0 0 457
SALESFORCE COM INC COM 79466L302 300 1,523 SH   SOLE   0 0 1,523
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 21,962 276,395 SH   SOLE   0 0 276,395
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 1,014 13,954 SH   SOLE   0 0 13,954
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 1,025 19,477 SH   SOLE   0 0 19,477
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730 242 8,296 SH   SOLE   0 0 8,296
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 552 12,059 SH   SOLE   0 0 12,059
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 1,326 24,906 SH   SOLE   0 0 24,906
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 424 5,703 SH   SOLE   0 0 5,703
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 317 1,764 SH   SOLE   0 0 1,764
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 325 2,275 SH   SOLE   0 0 2,275
SELECT SECTOR SPDR TR ENERGY 81369Y506 3,477 43,722 SH   SOLE   0 0 43,722
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100 991 11,196 SH   SOLE   0 0 11,196
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704 1,350 13,554 SH   SOLE   0 0 13,554
SELECT SECTOR SPDR TR SBI INT-FINL 81369Y605 472 12,445 SH   SOLE   0 0 12,445
SERVICENOW INC COM 81762P102 428 830 SH   SOLE   0 0 830
SKYLINE CHAMPION CORPORATION COM 830830105 253 5,000 SH   SOLE   0 0 5,000
SOUTHWEST AIRLS CO COM 844741108 238 5,783 SH   SOLE   0 0 5,783
SPDR GOLD TR GOLD SHS 78463V107 632 3,480 SH   SOLE   0 0 3,480
SPDR INDEX SHS FDS MSCI ACWI EXUS 78463X848 211 7,735 SH   SOLE   0 0 7,735
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 257 7,578 SH   SOLE   0 0 7,578
SPDR S&P 500 ETF TR TR UNIT 78462F103 6,124 13,683 SH   SOLE   0 0 13,683
SPDR SER TR S&P 400 MDCP VAL 78464A839 3,674 53,688 SH   SOLE   0 0 53,688
SPDR SER TR PORTFOLIO S&P500 78464A854 1,088 20,671 SH   SOLE   0 0 20,671
SPDR SER TR S&P 600 SMCP VAL 78464A300 3,726 46,121 SH   SOLE   0 0 46,121
SPDR SER TR S&P 600 SMCP GRW 78464A201 1,086 13,463 SH   SOLE   0 0 13,463
SPDR SER TR S&P DIVID ETF 78464A763 216 1,662 SH   SOLE   0 0 1,662
SPDR SER TR S&P 400 MDCP GRW 78464A821 1,158 16,091 SH   SOLE   0 0 16,091
SPDR SER TR PORTFOLIO AGRGTE 78464A649 357 13,146 SH   SOLE   0 0 13,146
SPDR SER TR NUVEEN BLMBRG SR 78468R739 755 16,039 SH   SOLE   0 0 16,039
SSGA ACTIVE ETF TR BLACKSTONE SENR 78467V608 393 8,768 SH   SOLE   0 0 8,768
STARBUCKS CORP COM 855244109 1,052 12,910 SH   SOLE   0 0 12,910
STRYKER CORPORATION COM 863667101 529 1,964 SH   SOLE   0 0 1,964
T ROWE PRICE ETF INC PRICE DIV GRWT 87283Q404 1,063 31,505 SH   SOLE   0 0 31,505
TARGET CORP COM 87612E106 256 1,098 SH   SOLE   0 0 1,098
TESLA INC COM 88160R101 1,197 1,167 SH   SOLE   0 0 1,167
TEXAS INSTRS INC COM 882508104 1,622 9,315 SH   SOLE   0 0 9,315
THERMO FISHER SCIENTIFIC INC COM 883556102 364 598 SH   SOLE   0 0 598
TJX COS INC NEW COM 872540109 1,336 21,701 SH   SOLE   0 0 21,701
TRAVELERS COMPANIES INC COM 89417E109 1,066 5,767 SH   SOLE   0 0 5,767
UNION PAC CORP COM 907818108 1,903 7,864 SH   SOLE   0 0 7,864
UNITED PARCEL SERVICE INC CL B 911312106 504 2,639 SH   SOLE   0 0 2,639
UNITEDHEALTH GROUP INC COM 91324P102 3,188 5,839 SH   SOLE   0 0 5,839
VANECK VECTORS ETF TR OIL SVCS ETF 92189H607 481 1,647 SH   SOLE   0 0 1,647
VANGUARD BD INDEX FDS INTERMED TERM 921937819 340 4,262 SH   SOLE   0 0 4,262
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 12,026 155,489 SH   SOLE   0 0 155,489
VANGUARD INDEX FDS GROWTH ETF 922908736 788 2,826 SH   SOLE   0 0 2,826
VANGUARD INDEX FDS MID CAP ETF 922908629 1,947 8,275 SH   SOLE   0 0 8,275
VANGUARD INDEX FDS TOTAL STK MKT 922908769 271 1,205 SH   SOLE   0 0 1,205
VANGUARD INDEX FDS SMALL CP ETF 922908751 985 4,771 SH   SOLE   0 0 4,771
VANGUARD INDEX FDS VALUE ETF 922908744 1,574 10,521 SH   SOLE   0 0 10,521
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 1,182 7,900 SH   SOLE   0 0 7,900
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 5,269 12,803 SH   SOLE   0 0 12,803
VANGUARD INDEX FDS SM CP VAL ETF 922908611 750 4,369 SH   SOLE   0 0 4,369
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 1,278 5,867 SH   SOLE   0 0 5,867
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 1,083 23,428 SH   SOLE   0 0 23,428
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 830 14,528 SH   SOLE   0 0 14,528
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 3,075 49,525 SH   SOLE   0 0 49,525
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 1,431 28,010 SH   SOLE   0 0 28,010
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 1,305 8,028 SH   SOLE   0 0 8,028
VANGUARD STAR FDS VG TL INTL STK F 921909768 4,952 83,544 SH   SOLE   0 0 83,544
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 308 6,490 SH   SOLE   0 0 6,490
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810 503 6,343 SH   SOLE   0 0 6,343
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 358 3,161 SH   SOLE   0 0 3,161
VERIZON COMMUNICATIONS INC COM 92343V104 1,330 24,851 SH   SOLE   0 0 24,851
VISA INC COM CL A 92826C839 1,223 5,637 SH   SOLE   0 0 5,637
WALMART INC COM 931142103 845 5,368 SH   SOLE   0 0 5,368
WELLS FARGO CO NEW COM 949746101 513 10,519 SH   SOLE   0 0 10,519
WISDOMTREE TR EM MKTS QTLY DIV 97717W323 218 8,450 SH   SOLE   0 0 8,450
WISDOMTREE TR INTL LRGCAP DV 97717W794 242 4,978 SH   SOLE   0 0 4,978
WISDOMTREE TR FLOATNG RAT TREA 97717X628 583 11,589 SH   SOLE   0 0 11,589
WISDOMTREE TR US QTLY DIV GRT 97717X669 1,295 20,247 SH   SOLE   0 0 20,247
WISDOMTREE TR US TOTAL DIVIDND 97717W109 222 3,400 SH   SOLE   0 0 3,400
WORLD GOLD TR SPDR GLD MINIS 98149E204 3,975 102,878 SH   SOLE   0 0 102,878
YUM BRANDS INC COM 988498101 285 2,388 SH   SOLE   0 0 2,388
WISDOMTREE TR EM MKTS QTLY DIV 97717W323 240 8,450 SH   SOLE   0 0 8,450
WISDOMTREE TR US QTLY DIV GRT 97717X669 1,356 20,488 SH   SOLE   0 0 20,488
WISDOMTREE TR US TOTAL DIVIDND 97717W109 223 3,400 SH   SOLE   0 0 3,400
WORLD GOLD TR SPDR GLD MINIS 98149E204 1,497 83,009 SH   SOLE   0 0 83,009
YUM BRANDS INC COM 988498101 328 2,392 SH   SOLE   0 0 2,392
ZYMERGEN INC COM 98985X100 142 22,165 SH   SOLE   0 0 22,165