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
NOVARTIS AG SPONSORED ADR 66987V109 883 10,114 SH   SOLE   10,114 0 0
NOVO-NORDISK A S ADR 670100205 492 7,510 SH   SOLE   7,510 0 0
APOLLO COML REAL EST FIN INC NOTE 4.750% 8/2 03762UAB1 16 18,000 SH   SOLE   18,000 0 0
CIA ENERGETICA DE MINAS GERA SP ADR N-V PFD 204409601 447 218,092 SH   SOLE   218,092 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 253 3,060 SH   SOLE   3,060 0 0
CHURCH & DWIGHT INC COM 171340102 782 10,110 SH   SOLE   10,110 0 0
TESLA INC COM 88160R101 590 546 SH   SOLE   546 0 0
CLOROX CO DEL COM 189054109 600 2,735 SH   SOLE   2,735 0 0
AMERICAN RLTY CAP PPTYS INC NOTE 3.750%12/1 02917TAB0 60 60,000 SH   SOLE   60,000 0 0
SUMITOMO MITSUI FINL GROUP I SPONSORED ADR 86562M209 443 78,749 SH   SOLE   78,749 0 0
PNC FINL SVCS GROUP INC COM 693475105 512 4,866 SH   SOLE   4,866 0 0
EATON CORP PLC SHS G29183103 451 5,157 SH   SOLE   5,157 0 0
ECOLAB INC COM 278865100 507 2,548 SH   SOLE   2,548 0 0
ERICSSON ADR B SEK 10 294821608 490 52,728 SH   SOLE   52,728 0 0
US BANCORP DEL COM NEW 902973304 757 20,573 SH   SOLE   20,573 0 0
STRYKER CORPORATION COM 863667101 454 2,519 SH   SOLE   2,519 0 0
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 446 1,374 SH   SOLE   1,374 0 0
VERTEX PHARMACEUTICALS INC COM 92532F100 304 1,048 SH   SOLE   1,048 0 0
HOME DEPOT INC COM 437076102 4,912 19,608 SH   SOLE   19,608 0 0
CHECK POINT SOFTWARE TECH LT ORD M22465104 376 3,500 SH   SOLE   3,500 0 0
PURE STORAGE INC NOTE 0.125% 4/1 74624MAB8 422 430,000 SH   SOLE   430,000 0 0
CSX CORP COM 126408103 437 6,269 SH   SOLE   6,269 0 0
ALLEGION PLC ORD SHS G0176J109 411 4,025 SH   SOLE   4,025 0 0
ENI S P A SPONSORED ADR 26874R108 380 19,722 SH   SOLE   19,722 0 0
ISHARES TR CORE S&P MCP ETF 464287507 40,683 228,786 SH   SOLE   228,786 0 0
TRAVELERS COMPANIES INC COM 89417E109 513 4,498 SH   SOLE   4,498 0 0
MOODYS CORP COM 615369105 716 2,606 SH   SOLE   2,606 0 0
KEYCORP COM 493267108 158 12,971 SH   SOLE   12,971 0 0
BANK NEW YORK MELLON CORP COM 064058100 399 10,311 SH   SOLE   10,311 0 0
LAKELAND BANCORP INC COM 511637100 896 78,413 SH   SOLE   78,413 0 0
TEXAS INSTRS INC COM 882508104 1,547 12,186 SH   SOLE   12,186 0 0
MITSUBISHI UFJ FINL GROUP IN SPONSORED ADS 606822104 463 117,839 SH   SOLE   117,839 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 25,428 155,133 SH   SOLE   155,133 0 0
PROCTER AND GAMBLE CO COM 742718109 4,889 40,884 SH   SOLE   40,884 0 0
BAXTER INTL INC COM 071813109 304 3,528 SH   SOLE   3,528 0 0
VISA INC COM CL A 92826C839 3,614 18,709 SH   SOLE   18,709 0 0
CRITEO S A SPONS ADS 226718104 454 39,887 SH   SOLE   39,887 0 0
S&P GLOBAL INC COM 78409V104 367 1,113 SH   SOLE   1,113 0 0
ARES CAPITAL CORP NOTE 4.625% 3/0 04010LAW3 195 200,000 SH   SOLE   200,000 0 0
SAP SE SPON ADR 803054204 607 4,336 SH   SOLE   4,336 0 0
ALPHABET INC CAP STK CL A 02079K305 3,623 2,555 SH   SOLE   2,555 0 0
NATIONAL GRID PLC SPONSORED ADR NE 636274409 323 5,320 SH   SOLE   5,320 0 0
BIOGEN INC COM 09062X103 251 938 SH   SOLE   938 0 0
SPDR GOLD TR GOLD SHS 78463V107 204 1,218 SH   SOLE   1,218 0 0
RYANAIR HOLDINGS PLC SPONSORED ADS 783513203 440 6,638 SH   SOLE   6,638 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 2,424 43,973 SH   SOLE   43,973 0 0
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771 417 11,324 SH   SOLE   11,324 0 0
NORDIC AMERICAN TANKERS LIMI COM G65773106 47 11,648 SH   SOLE   11,648 0 0
ISHARES TR CORE HIGH DV ETF 46429B663 545 6,718 SH   SOLE   6,718 0 0
SALESFORCE COM INC COM 79466L302 1,599 8,535 SH   SOLE   8,535 0 0
TRUIST FINL CORP COM 89832Q109 320 8,509 SH   SOLE   8,509 0 0
ISHARES TR CORE S&P SCP ETF 464287804 15,736 230,426 SH   SOLE   230,426 0 0
EATON VANCE SR INCOME TR SH BEN INT 27826S103 199 37,336 SH   SOLE   37,336 0 0
VANGUARD TAX-MANAGED FDS FTSE DEV MKT ETF 921943858 47,655 1,228,546 SH   SOLE   1,228,546 0 0
APPLE INC COM 037833100 26,181 71,768 SH   SOLE   71,768 0 0
OMNICOM GROUP INC COM 681919106 258 4,723 SH   SOLE   4,723 0 0
METLIFE INC COM 59156R108 344 9,418 SH   SOLE   9,418 0 0
ISHARES TR MSCI EAFE ETF 464287465 323 5,312 SH   SOLE   5,312 0 0
BHP GROUP LTD SPONSORED ADS 088606108 476 9,564 SH   SOLE   9,564 0 0
WPP PLC NEW ADR 92937A102 435 11,113 SH   SOLE   11,113 0 0
ISHARES TR CORE MSCI TOTAL 46432F834 1,323 24,270 SH   SOLE   24,270 0 0
NIKE INC CL B 654106103 1,185 12,085 SH   SOLE   12,085 0 0
HONDA MOTOR LTD AMERN SHS 438128308 428 16,740 SH   SOLE   16,740 0 0
FIDELITY NATL INFORMATION SV COM 31620M106 239 1,779 SH   SOLE   1,779 0 0
BARCLAYS PLC ADR 06738E204 534 94,358 SH   SOLE   94,358 0 0
AT&T INC COM 00206R102 2,260 74,756 SH   SOLE   74,756 0 0
ICON PLC SHS G4705A100 319 1,891 SH   SOLE   1,891 0 0
COSAN LTD SHS A G25343107 452 30,022 SH   SOLE   30,022 0 0
KONINKLIJKE PHILIPS N V NY REG SH NEW 500472303 430 9,173 SH   SOLE   9,173 0 0
TARGET CORP COM 87612E106 929 7,745 SH   SOLE   7,745 0 0
TJX COS INC NEW COM 872540109 462 9,144 SH   SOLE   9,144 0 0
ISHARES GOLD TRUST ISHARES 464285105 572 33,652 SH   SOLE   33,652 0 0
ISHARES TR IBONDS DEC2022 46435G755 1,017 38,503 SH   SOLE   38,503 0 0
BOEING CO COM 097023105 811 4,422 SH   SOLE   4,422 0 0
ISHARES TR IBONDS DEC 46435U697 667 24,734 SH   SOLE   24,734 0 0
WNS HLDGS LTD SPON ADR 92932M101 365 6,641 SH   SOLE   6,641 0 0
CATERPILLAR INC DEL COM 149123101 651 5,143 SH   SOLE   5,143 0 0
KIMBERLY CLARK CORP COM 494368103 413 2,925 SH   SOLE   2,925 0 0
PORTMAN RIDGE FIN CORP COM 73688F102 21 19,248 SH   SOLE   19,248 0 0
ARGENX SE SPONSORED ADR 04016X101 724 3,216 SH   SOLE   3,216 0 0
EQUINIX INC COM 29444U700 317 451 SH   SOLE   451 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870 4,562 76,008 SH   SOLE   76,008 0 0
AEGON N V NY REGISTRY SHS 007924103 476 161,884 SH   SOLE   161,884 0 0
VANGUARD ADMIRAL FDS INC 500 GRTH IDX F 921932505 27,486 147,065 SH   SOLE   147,065 0 0
CARNIVAL PLC ADR 14365C103 311 24,697 SH   SOLE   24,697 0 0
MARRIOTT INTL INC NEW CL A 571903202 322 3,757 SH   SOLE   3,757 0 0
ZOETIS INC CL A 98978V103 620 4,522 SH   SOLE   4,522 0 0
AMERICAN ELEC PWR CO INC COM 025537101 437 5,481 SH   SOLE   5,481 0 0
NEW YORK CMNTY CAP TR V UNIT 11/01/2051 64944P307 428 9,576 SH   SOLE   9,576 0 0
BLACKROCK INC COM 09247X101 2,175 3,998 SH   SOLE   3,998 0 0
GALAPAGOS NV SPON ADR 36315X101 418 2,120 SH   SOLE   2,120 0 0
CHARTER COMMUNICATIONS INC N CL A 16119P108 408 800 SH   SOLE   800 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 376 3,596 SH   SOLE   3,596 0 0
VODAFONE GROUP PLC NEW SPONSORED ADR 92857W308 364 22,820 SH   SOLE   22,820 0 0
VERINT SYS INC NOTE 1.500% 6/0 92343XAA8 582 589,000 SH   SOLE   589,000 0 0
SONY CORP SPONSORED ADR 835699307 372 5,387 SH   SOLE   5,387 0 0
INTUITIVE SURGICAL INC COM NEW 46120E602 342 601 SH   SOLE   601 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 4,907 15,912 SH   SOLE   15,912 0 0
EXXON MOBIL CORP COM 30231G102 3,217 71,947 SH   SOLE   71,947 0 0
COMCAST CORP NEW CL A 20030N101 1,555 39,880 SH   SOLE   39,880 0 0
JOHNSON & JOHNSON COM 478160104 5,052 35,925 SH   SOLE   35,925 0 0
BP PLC SPONSORED ADR 055622104 978 41,957 SH   SOLE   41,957 0 0
ISHARES TR PFD AND INCM SEC 464288687 2,023 58,413 SH   SOLE   58,413 0 0
NEXTERA ENERGY INC COM 65339F101 1,579 6,574 SH   SOLE   6,574 0 0
II-VI INC NOTE 0.250% 9/0 902104AB4 575 485,000 SH   SOLE   485,000 0 0
CROWN CASTLE INTL CORP NEW COM 22822V101 348 2,079 SH   SOLE   2,079 0 0
RAYTHEON TECHNOLOGIES CORP COM 75513E101 1,065 17,281 SH   SOLE   17,281 0 0
INTUIT COM 461202103 513 1,731 SH   SOLE   1,731 0 0
NORTHROP GRUMMAN CORP COM 666807102 204 663 SH   SOLE   663 0 0
SKYWORKS SOLUTIONS INC COM 83088M102 347 2,713 SH   SOLE   2,713 0 0
SOUTHERN CO COM 842587107 437 8,434 SH   SOLE   8,434 0 0
UNITED PARCEL SERVICE INC CL B 911312106 1,208 10,866 SH   SOLE   10,866 0 0
QUALCOMM INC COM 747525103 745 8,170 SH   SOLE   8,170 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 575 7,766 SH   SOLE   7,766 0 0
PARK NATL CORP COM 700658107 222 3,161 SH   SOLE   3,161 0 0
NOMURA HLDGS INC SPONSORED ADR 65535H208 468 105,362 SH   SOLE   105,362 0 0
BERKSHIRE HATHAWAY INC DEL CL A 084670108 1,337 5 SH   SOLE   5 0 0
LLOYDS BANKING GROUP PLC SPONSORED ADR 539439109 391 260,554 SH   SOLE   260,554 0 0
MEDTRONIC PLC SHS G5960L103 1,100 11,991 SH   SOLE   11,991 0 0
AMERICAN TOWER CORP NEW COM 03027X100 1,807 6,988 SH   SOLE   6,988 0 0
TOYOTA MOTOR CORP SP ADR REP2COM 892331307 340 2,704 SH   SOLE   2,704 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 9,559 65,601 SH   SOLE   65,601 0 0
ESQUIRE FINL HLDGS INC COM 29667J101 1,179 69,762 SH   SOLE   69,762 0 0
BOOKING HOLDINGS INC COM 09857L108 346 217 SH   SOLE   217 0 0
SPDR SER TR PRTFLO S&P500 GW 78464A409 20,819 463,473 SH   SOLE   463,473 0 0
MICROSOFT CORP COM 594918104 14,093 69,249 SH   SOLE   69,249 0 0
GENERAL ELECTRIC CO COM 369604103 506 74,128 SH   SOLE   74,128 0 0
CVS HEALTH CORP COM 126650100 622 9,567 SH   SOLE   9,567 0 0
TERADYNE INC COM 880770102 200 2,362 SH   SOLE   2,362 0 0
GENERAL DYNAMICS CORP COM 369550108 285 1,910 SH   SOLE   1,910 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 29,112 305,988 SH   SOLE   305,988 0 0
BANCO SANTANDER S.A. ADR 05964H105 441 182,875 SH   SOLE   182,875 0 0
ADOBE INC COM 00724F101 3,417 7,851 SH   SOLE   7,851 0 0
OTIS WORLDWIDE CORP COM 68902V107 253 4,441 SH   SOLE   4,441 0 0
ISHARES TR CORE MSCI EAFE 46432F842 99,988 1,749,270 SH   SOLE   1,749,270 0 0
SHERWIN WILLIAMS CO COM 824348106 411 712 SH   SOLE   712 0 0
NICE LTD SPONSORED ADR 653656108 539 2,850 SH   SOLE   2,850 0 0
ERIE INDTY CO CL A 29530P102 237 1,237 SH   SOLE   1,237 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103 2,156 14,478 SH   SOLE   14,478 0 0
MIZUHO FINL GROUP INC SPONSORED ADR 60687Y109 407 164,903 SH   SOLE   164,903 0 0
TOTAL S.A. SPONSORED ADS 89151E109 620 16,125 SH   SOLE   16,125 0 0
DIREXION SHS ETF TR DLY S&P500 BR 3X 25460E885 125 16,050 SH   SOLE   16,050 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 10,942 61,297 SH   SOLE   61,297 0 0
NORFOLK SOUTHERN CORP COM 655844108 656 3,738 SH   SOLE   3,738 0 0
ABBVIE INC COM 00287Y109 1,695 17,267 SH   SOLE   17,267 0 0
AON PLC SHS CL A G0403H108 484 2,512 SH   SOLE   2,512 0 0
ROYAL DUTCH SHELL PLC SPONS ADR A 780259206 618 18,901 SH   SOLE   18,901 0 0
TALEND S A ADS 874224207 523 15,081 SH   SOLE   15,081 0 0
ISHARES TR CORE S&P500 ETF 464287200 917 2,960 SH   SOLE   2,960 0 0
MERCK & CO. INC COM 58933Y105 2,664 34,456 SH   SOLE   34,456 0 0
WALGREENS BOOTS ALLIANCE INC COM 931427108 252 5,955 SH   SOLE   5,955 0 0
ISHARES TR TIPS BD ETF 464287176 579 4,704 SH   SOLE   4,704 0 0
GOLDMAN SACHS GROUP INC COM 38141G104 1,098 5,557 SH   SOLE   5,557 0 0
CISCO SYS INC COM 17275R102 2,522 54,073 SH   SOLE   54,073 0 0
INTERCONTINENTAL HOTELS GROU SPONSORED ADS 45857P806 344 7,746 SH   SOLE   7,746 0 0
ABBOTT LABS COM 002824100 2,036 22,267 SH   SOLE   22,267 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 30,535 564,001 SH   SOLE   564,001 0 0
MURPHY USA INC COM 626755102 218 1,936 SH   SOLE   1,936 0 0
TELEFONICA S A SPONSORED ADR 879382208 363 75,363 SH   SOLE   75,363 0 0
APOLLO COML REAL EST FIN INC NOTE 5.375%10/1 03762UAC9 96 118,000 SH   SOLE   118,000 0 0
ISHARES TR SELECT DIVID ETF 464287168 433 5,368 SH   SOLE   5,368 0 0
VALLEY NATL BANCORP COM 919794107 80 10,271 SH   SOLE   10,271 0 0
DOLLAR GEN CORP NEW COM 256677105 247 1,296 SH   SOLE   1,296 0 0
ATLAS AIR WORLDWIDE HLDGS IN NOTE 2.250% 6/0 049164BH8 446 480,000 SH   SOLE   480,000 0 0
VANGUARD SCOTTSDALE FDS VNG RUS1000GRW 92206C680 271 1,374 SH   SOLE   1,374 0 0
JPMORGAN CHASE & CO COM 46625H100 5,065 53,849 SH   SOLE   53,849 0 0
BK OF AMERICA CORP COM 060505104 1,873 78,854 SH   SOLE   78,854 0 0
LINE CORP SPONSORED ADR 53567X101 412 8,231 SH   SOLE   8,231 0 0
PFIZER INC COM 717081103 2,334 71,372 SH   SOLE   71,372 0 0
PROLOGIS INC. COM 74340W103 671 7,188 SH   SOLE   7,188 0 0
ANHEUSER BUSCH INBEV SA/NV SPONSORED ADR 03524A108 363 7,366 SH   SOLE   7,366 0 0
BROADRIDGE FINL SOLUTIONS IN COM 11133T103 867 6,872 SH   SOLE   6,872 0 0
ISHARES TR IBONDS DEC2023 46435G318 816 31,119 SH   SOLE   31,119 0 0
ANALOG DEVICES INC COM 032654105 343 2,797 SH   SOLE   2,797 0 0
TORONTO DOMINION BK ONT COM NEW 891160509 246 5,516 SH   SOLE   5,516 0 0
GILEAD SCIENCES INC COM 375558103 925 12,028 SH   SOLE   12,028 0 0
INTERCONTINENTAL EXCHANGE IN COM 45866F104 271 2,958 SH   SOLE   2,958 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 432 3,684 SH   SOLE   3,684 0 0
VANGUARD ADMIRAL FDS INC 500 VAL IDX FD 921932703 15,795 151,144 SH   SOLE   151,144 0 0
HSBC HLDGS PLC SPON ADR NEW 404280406 305 13,080 SH   SOLE   13,080 0 0
SERVICENOW INC COM 81762P102 313 773 SH   SOLE   773 0 0
INVESCO EXCHANGE TRADED FD T S&P500 QUALITY 46137V241 385 10,875 SH   SOLE   10,875 0 0
PAYPAL HLDGS INC COM 70450Y103 1,788 10,261 SH   SOLE   10,261 0 0
CELANESE CORP DEL COM 150870103 308 3,564 SH   SOLE   3,564 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204 429 5,370 SH   SOLE   5,370 0 0
EMCORE CORP COM NEW 290846203 70 22,020 SH   SOLE   22,020 0 0
CHEVRON CORP NEW COM 166764100 2,733 30,632 SH   SOLE   30,632 0 0
ILLUMINA INC COM 452327109 207 560 SH   SOLE   560 0 0
GRIFOLS S A SP ADR REP B NVT 398438408 329 18,036 SH   SOLE   18,036 0 0
BHP GROUP PLC SPONSORED ADR 05545E209 484 11,758 SH   SOLE   11,758 0 0
APPLIED MATLS INC COM 038222105 430 7,120 SH   SOLE   7,120 0 0
NEW RELIC INC NOTE 0.500% 5/0 64829BAB6 536 555,000 SH   SOLE   555,000 0 0
ZIOPHARM ONCOLOGY INC COM 98973P101 49 15,000 SH   SOLE   15,000 0 0
MORGAN STANLEY COM NEW 617446448 426 8,811 SH   SOLE   8,811 0 0
INTEL CORP COM 458140100 4,157 69,483 SH   SOLE   69,483 0 0
DANAHER CORPORATION COM 235851102 882 4,987 SH   SOLE   4,987 0 0
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100 204 3,602 SH   SOLE   3,602 0 0
3M CO COM 88579Y101 1,648 10,566 SH   SOLE   10,566 0 0
BRITISH AMERN TOB PLC SPONSORED ADR 110448107 438 11,281 SH   SOLE   11,281 0 0
AMGEN INC COM 031162100 1,569 6,653 SH   SOLE   6,653 0 0
CME GROUP INC COM 12572Q105 316 1,947 SH   SOLE   1,947 0 0
RAMBUS INC DEL NOTE 1.375% 2/0 750917AG1 359 345,000 SH   SOLE   345,000 0 0
GAMCO GLOBAL GOLD NAT RES & COM SH BEN INT 36465A109 47 13,752 SH   SOLE   13,752 0 0
AMARIN CORP PLC SPONS ADR NEW 023111206 296 42,742 SH   SOLE   42,742 0 0
SPDR SER TR PRTFLO S&P500 VL 78464A508 15,347 529,586 SH   SOLE   529,586 0 0
NVIDIA CORPORATION COM 67066G104 1,364 3,591 SH   SOLE   3,591 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 1,003 6,407 SH   SOLE   6,407 0 0
NEW MTN FIN CORP COM 647551100 1,079 116,108 SH   SOLE   116,108 0 0
ISHARES TR BARCLAYS 7 10 YR 464287440 414 3,393 SH   SOLE   3,393 0 0
DISNEY WALT CO COM DISNEY 254687106 2,288 20,521 SH   SOLE   20,521 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 222 4,659 SH   SOLE   4,659 0 0
AIR PRODS & CHEMS INC COM 009158106 379 1,568 SH   SOLE   1,568 0 0
ISHARES TR RUS 1000 VAL ETF 464287598 501 4,450 SH   SOLE   4,450 0 0
HUTCHISON CHINA MEDITECH LTD SPONSORED ADR 44842L103 928 33,656 SH   SOLE   33,656 0 0
SELECT SECTOR SPDR TR SBI INT-FINL 81369Y605 319 13,776 SH   SOLE   13,776 0 0
VALERO ENERGY CORP COM 91913Y100 378 6,423 SH   SOLE   6,423 0 0
EQUINOR ASA SPONSORED ADR 29446M102 541 37,387 SH   SOLE   37,387 0 0
MARSH & MCLENNAN COS INC COM 571748102 1,073 9,991 SH   SOLE   9,991 0 0
ANTHEM INC COM 036752103 231 877 SH   SOLE   877 0 0
PEARSON PLC SPONSORED ADR 705015105 456 63,005 SH   SOLE   63,005 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 12,421 124,725 SH   SOLE   124,725 0 0
TAKEDA PHARMACEUTICAL CO LTD SPONSORED ADS 874060205 384 21,395 SH   SOLE   21,395 0 0
SCHWAB CHARLES CORP COM 808513105 244 7,245 SH   SOLE   7,245 0 0
EVOLENT HEALTH INC NOTE 2.000%12/0 30050BAB7 454 522,000 SH   SOLE   522,000 0 0
ABB LTD SPONSORED ADR 000375204 484 21,476 SH   SOLE   21,476 0 0
HARMONY GOLD MINING CO LTD SPONSORED ADR 413216300 42 10,000 SH   SOLE   10,000 0 0
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 752 9,545 SH   SOLE   9,545 0 0
KINDER MORGAN INC DEL COM 49456B101 391 25,747 SH   SOLE   25,747 0 0
CSG SYS INTL INC NOTE 4.250% 3/1 126349AF6 485 477,000 SH   SOLE   477,000 0 0
HONEYWELL INTL INC COM 438516106 1,694 11,717 SH   SOLE   11,717 0 0
INVESCO EXCHANGE-TRADED FD T VAR RATE PFD 46138G870 371 15,830 SH   SOLE   15,830 0 0
STARBUCKS CORP COM 855244109 822 11,169 SH   SOLE   11,169 0 0
CONOCOPHILLIPS COM 20825C104 575 13,690 SH   SOLE   13,690 0 0
GLAXOSMITHKLINE PLC SPONSORED ADR 37733W105 460 11,270 SH   SOLE   11,270 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102 1,684 4,648 SH   SOLE   4,648 0 0
TWITTER INC NOTE 1.000% 9/1 90184LAD4 196 200,000 SH   SOLE   200,000 0 0
GUIDEWIRE SOFTWARE INC NOTE 1.250% 3/1 40171VAA8 100 86,000 SH   SOLE   86,000 0 0
ISHARES TR IBONDS DEC2021 46435G789 1,005 38,736 SH   SOLE   38,736 0 0
ROCKWELL AUTOMATION INC COM 773903109 305 1,431 SH   SOLE   1,431 0 0
ARES CAPITAL CORP NOTE 3.750% 2/0 04010LAT0 167 170,000 SH   SOLE   170,000 0 0
MARRIOTT VACTINS WORLDWID CO NOTE 1.500% 9/1 57164YAB3 18 20,000 SH   SOLE   20,000 0 0
ISHARES TR IBONDS DEC 25 46435U432 790 28,342 SH   SOLE   28,342 0 0
WASTE MGMT INC DEL COM 94106L109 292 2,757 SH   SOLE   2,757 0 0
LOCKHEED MARTIN CORP COM 539830109 640 1,754 SH   SOLE   1,754 0 0
TAL EDUCATION GROUP SPONSORED ADS 874080104 572 8,363 SH   SOLE   8,363 0 0
CADENCE DESIGN SYSTEM INC COM 127387108 282 2,940 SH   SOLE   2,940 0 0
ALTRIA GROUP INC COM 02209S103 625 15,923 SH   SOLE   15,923 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 390 2,724 SH   SOLE   2,724 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 19,896 502,304 SH   SOLE   502,304 0 0
YUM BRANDS INC COM 988498101 530 6,098 SH   SOLE   6,098 0 0
ILLINOIS TOOL WKS INC COM 452308109 829 4,744 SH   SOLE   4,744 0 0
ISHARES TR NATIONAL MUN ETF 464288414 1,047 9,076 SH   SOLE   9,076 0 0
CANON INC SPONSORED ADR 138006309 217 10,862 SH   SOLE   10,862 0 0
ISHARES INC CORE MSCI EMKT 46434G103 25,468 535,032 SH   SOLE   535,032 0 0
ISHARES TR IBONDS SEP2020 46434V571 998 39,155 SH   SOLE   39,155 0 0
COLUMBIA FINL INC COM 197641103 345 24,729 SH   SOLE   24,729 0 0
COSTCO WHSL CORP NEW COM 22160K105 2,474 8,160 SH   SOLE   8,160 0 0
EOG RES INC COM 26875P101 297 5,866 SH   SOLE   5,866 0 0
PEPSICO INC COM 713448108 3,241 24,503 SH   SOLE   24,503 0 0
CITIGROUP INC COM NEW 172967424 1,100 21,518 SH   SOLE   21,518 0 0
BRF SA SPONSORED ADR 10552T107 482 121,352 SH   SOLE   121,352 0 0
INDEPENDENCE HLDG CO NEW COM NEW 453440307 220 7,205 SH   SOLE   7,205 0 0
AMERICAN EXPRESS CO COM 025816109 1,470 15,439 SH   SOLE   15,439 0 0
SYNAPTICS INC NOTE 0.500% 6/1 87157DAD1 346 325,000 SH   SOLE   325,000 0 0
THERAVANCE INC NOTE 2.125% 1/1 88338TAB0 84 85,000 SH   SOLE   85,000 0 0
BROADCOM INC COM 11135F101 877 2,778 SH   SOLE   2,778 0 0
WELLS FARGO CO NEW COM 949746101 749 29,266 SH   SOLE   29,266 0 0
RELX PLC SPONSORED ADR 759530108 434 18,406 SH   SOLE   18,406 0 0
ISHARES TR CORE S&P TTL STK 464287150 2,977 42,877 SH   SOLE   42,877 0 0
AMAZON COM INC COM 023135106 9,875 3,580 SH   SOLE   3,580 0 0
EMERSON ELEC CO COM 291011104 901 14,517 SH   SOLE   14,517 0 0
RPM INTL INC COM 749685103 392 5,220 SH   SOLE   5,220 0 0
NOKIA CORP SPONSORED ADR 654902204 621 141,066 SH   SOLE   141,066 0 0
DOMINION ENERGY INC COM 25746U109 227 2,793 SH   SOLE   2,793 0 0
DEERE & CO COM 244199105 268 1,707 SH   SOLE   1,707 0 0
SHIP FINANCE INTERNATIONAL L NOTE 5.750%10/1 G81075AF3 426 450,000 SH   SOLE   450,000 0 0
P T TELEKOMUNIKASI INDONESIA SPONSORED ADR 715684106 438 20,036 SH   SOLE   20,036 0 0
VIAVI SOLUTIONS INC NOTE 1.000% 3/0 925550AB1 253 220,000 SH   SOLE   220,000 0 0
ASML HOLDING N V N Y REGISTRY SHS N07059210 210 571 SH   SOLE   571 0 0
CAPITAL ONE FINL CORP COM 14040H105 301 4,810 SH   SOLE   4,810 0 0
ROYAL DUTCH SHELL PLC SPON ADR B 780259107 429 14,100 SH   SOLE   14,100 0 0
CRH PLC ADR 12626K203 536 15,613 SH   SOLE   15,613 0 0
CARDTRONICS INC NOTE 1.000%12/0 14161HAG3 31 31,000 SH   SOLE   31,000 0 0
FLY LEASING LTD SPONSORED ADR 34407D109 506 61,644 SH   SOLE   61,644 0 0
MORGAN STANLEY EMERGING MKTS COM 617477104 57 10,000 SH   SOLE   10,000 0 0
ASCENDIS PHARMA A S SPONSORED ADR 04351P101 498 3,367 SH   SOLE   3,367 0 0
ZTO EXPRESS CAYMAN INC SPONSORED ADS A 98980A105 449 12,227 SH   SOLE   12,227 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108 1,305 22,192 SH   SOLE   22,192 0 0
LINDE PLC SHS G5494J103 696 3,281 SH   SOLE   3,281 0 0
COLGATE PALMOLIVE CO COM 194162103 325 4,430 SH   SOLE   4,430 0 0
WALMART INC COM 931142103 601 5,021 SH   SOLE   5,021 0 0
COCA COLA CO COM 191216100 1,887 42,240 SH   SOLE   42,240 0 0
EXELON CORP COM 30161N101 297 8,174 SH   SOLE   8,174 0 0
RIO TINTO PLC SPONSORED ADR 767204100 559 9,948 SH   SOLE   9,948 0 0
ISHARES TR S&P 500 GRWT ETF 464287309 251 1,209 SH   SOLE   1,209 0 0
MCDONALDS CORP COM 580135101 1,726 9,359 SH   SOLE   9,359 0 0
SANOFI SPONSORED ADR 80105N105 455 8,921 SH   SOLE   8,921 0 0
LILLY ELI & CO COM 532457108 656 3,997 SH   SOLE   3,997 0 0
WESTPAC BANKING CORP SPONSORED ADR 961214301 479 38,327 SH   SOLE   38,327 0 0
BECTON DICKINSON & CO COM 075887109 413 1,726 SH   SOLE   1,726 0 0
FACEBOOK INC CL A 30303M102 4,037 17,780 SH   SOLE   17,780 0 0
CIGNA CORP NEW COM 125523100 504 2,684 SH   SOLE   2,684 0 0
NETFLIX INC COM 64110L106 1,457 3,203 SH   SOLE   3,203 0 0
HUBBELL INC COM 443510607 2,162 17,244 SH   SOLE   17,244 0 0
ROYAL BK SCOTLAND GROUP PLC SPONS ADR 2 ORD 780097689 426 139,721 SH   SOLE   139,721 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 6,146 30,411 SH   SOLE   30,411 0 0
YUM CHINA HLDGS INC COM 98850P109 244 5,069 SH   SOLE   5,069 0 0
PHILIP MORRIS INTL INC COM 718172109 1,319 18,820 SH   SOLE   18,820 0 0
SEA LTD SPONSORED ADS 81141R100 1,124 10,481 SH   SOLE   10,481 0 0
LOWES COS INC COM 548661107 1,397 10,336 SH   SOLE   10,336 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 2,015 16,681 SH   SOLE   16,681 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 128,716 454,138 SH   SOLE   454,138 0 0
PROGRESSIVE CORP OHIO COM 743315103 209 2,612 SH   SOLE   2,612 0 0
MASTERCARD INCORPORATED CL A 57636Q104 3,492 11,810 SH   SOLE   11,810 0 0
MONDELEZ INTL INC CL A 609207105 1,610 31,489 SH   SOLE   31,489 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 924 4,814 SH   SOLE   4,814 0 0
UNITEDHEALTH GROUP INC COM 91324P102 3,457 11,720 SH   SOLE   11,720 0 0
PHILLIPS 66 COM 718546104 462 6,420 SH   SOLE   6,420 0 0
ORACLE CORP COM 68389X105 1,338 24,200 SH   SOLE   24,200 0 0
ASTRAZENECA PLC SPONSORED ADR 046353108 545 10,307 SH   SOLE   10,307 0 0
BLACKSTONE GROUP INC COM CL A 09260D107 291 5,133 SH   SOLE   5,133 0 0
UNION PAC CORP COM 907818108 2,141 12,664 SH   SOLE   12,664 0 0
AMERIPRISE FINL INC COM 03076C106 655 4,365 SH   SOLE   4,365 0 0
ALPHABET INC CAP STK CL C 02079K107 3,362 2,378 SH   SOLE   2,378 0 0
INFOSYS LTD SPONSORED ADR 456788108 502 51,938 SH   SOLE   51,938 0 0
SUPERNUS PHARMACEUTICALS INC NOTE 0.625% 4/0 868459AD0 476 541,000 SH   SOLE   541,000 0 0
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 2,012 9,372 SH   SOLE   9,372 0 0