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
ISHARES TR CORE S&P MCP ETF 464287507 4,145 15,423 SH   SOLE   0 0 15,423
ISHARES TR CORE S&P SCP ETF 464287804 13,886 122,905 SH   SOLE   0 0 122,905
ISHARES TR CORE S&P500 ETF 464287200 1,000 2,325 SH   SOLE   0 0 2,325
ISHARES TR RUS 1000 VAL ETF 464287598 599 3,777 SH   SOLE   0 0 3,777
ISHARES TR RUS 1000 GRW ETF 464287614 653 2,404 SH   SOLE   0 0 2,404
ISHARES TR RUSSELL 2000 ETF 464287655 6,553 28,570 SH   SOLE   0 0 28,570
ISHARES TR CORE S&P US VLU 464287663 3,132 43,527 SH   SOLE   0 0 43,527
ISHARES TR CORE S&P US GWT 464287671 7,472 74,000 SH   SOLE   0 0 74,000
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 3,092 6,298 SH   SOLE   0 0 6,298
SPDR S&P 500 ETF TR TR UNIT 78462F103 1,766 4,126 SH   SOLE   0 0 4,126
AMAZON COM INC COM 023135106 3,523 1,024 SH   SOLE   0 0 1,024
BRISTOL-MYERS SQUIBB CO COM 110122108 954 14,278 SH   SOLE   0 0 14,278
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 249 897 SH   SOLE   0 0 897
BOEING CO COM 097023105 519 2,167 SH   SOLE   0 0 2,167
INVESCO QQQ TR UNIT SER 1 46090E103 501 1,414 SH   SOLE   0 0 1,414
DISNEY WALT CO COM 254687106 481 2,736 SH   SOLE   0 0 2,736
JOHNSON & JOHNSON COM 478160104 266 1,615 SH   SOLE   0 0 1,615
PFIZER INC COM 717081103 252 6,431 SH   SOLE   0 0 6,431
MICROSOFT CORP COM 594918104 2,596 9,583 SH   SOLE   0 0 9,583
INTERNATIONAL BUSINESS MACHS COM 459200101 341 2,324 SH   SOLE   0 0 2,324
COCA COLA CO COM 191216100 249 4,606 SH   SOLE   0 0 4,606
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 1,215 8,227 SH   SOLE   0 0 8,227
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 1,018 8,086 SH   SOLE   0 0 8,086
COSTCO WHSL CORP NEW COM 22160K105 273 690 SH   SOLE   0 0 690
HOME DEPOT INC COM 437076102 688 2,156 SH   SOLE   0 0 2,156
MCDONALDS CORP COM 580135101 251 1,088 SH   SOLE   0 0 1,088
WELLS FARGO CO NEW COM 949746101 304 6,710 SH   SOLE   0 0 6,710
CORNING INC COM 219350105 285 6,973 SH   SOLE   0 0 6,973
UNITEDHEALTH GROUP INC COM 91324P102 220 549 SH   SOLE   0 0 549
MARRIOTT INTL INC NEW CL A 571903202 1,240 9,082 SH   SOLE   0 0 9,082
VANGUARD INDEX FDS TOTAL STK MKT 922908769 30,614 137,392 SH   SOLE   0 0 137,392
WASTE MGMT INC DEL COM 94106L109 228 1,630 SH   SOLE   0 0 1,630
APPLE INC COM 037833100 5,156 37,644 SH   SOLE   0 0 37,644
NETFLIX INC COM 64110L106 246 466 SH   SOLE   0 0 466
ISHARES TR CORE US AGGBD ET 464287226 15,981 138,571 SH   SOLE   0 0 138,571
ISHARES TR TIPS BD ETF 464287176 548 4,278 SH   SOLE   0 0 4,278
NVIDIA CORPORATION COM 67066G104 1,475 1,843 SH   SOLE   0 0 1,843
ALPHABET INC CAP STK CL A 02079K305 1,533 628 SH   SOLE   0 0 628
VANGUARD INDEX FDS VALUE ETF 922908744 2,984 21,705 SH   SOLE   0 0 21,705
VANGUARD INDEX FDS MID CAP ETF 922908629 7,229 30,456 SH   SOLE   0 0 30,456
CHIPOTLE MEXICAN GRILL INC COM 169656105 215 139 SH   SOLE   0 0 139
MASTERCARD INCORPORATED CL A 57636Q104 263 721 SH   SOLE   0 0 721
ISHARES TR CORE S&P TTL STK 464287150 20,428 206,843 SH   SOLE   0 0 206,843
ALPHA PRO TECH LTD COM 020772109 94 11,000 SH   SOLE   0 0 11,000
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 11,718 184,849 SH   SOLE   0 0 184,849
BLACKSTONE GROUP INC COM 09260D107 373 3,837 SH   SOLE   0 0 3,837
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 8,351 79,711 SH   SOLE   0 0 79,711
VISA INC COM CL A 92826C839 747 3,194 SH   SOLE   0 0 3,194
OPKO HEALTH INC COM 68375N103 196 48,502 SH   SOLE   0 0 48,502
ISHARES INC MSCI EQUAL WEITE 464286681 1,028 12,168 SH   SOLE   0 0 12,168
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 5,683 59,776 SH   SOLE   0 0 59,776
PROSHARES TR ULTRAPRO SHORT S 74347B110 763 41,897 SH   SOLE   0 0 41,897
PROSHARES TR ULTRAPRO SHT QQQ 74347G861 572 62,606 SH   SOLE   0 0 62,606
PROSHARES TR ULTRASHRT DOW 30 74347G648 490 14,880 SH   SOLE   0 0 14,880
FLEXSHOPPER INC COM NEW 33939J303 1,010 339,978 SH   SOLE   0 0 339,978
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 266 675 SH   SOLE   0 0 675
FACEBOOK INC CL A 30303M102 1,143 3,287 SH   SOLE   0 0 3,287
ZOOM VIDEO COMMUNICATIONS IN CL A 98980L101 272 703 SH   SOLE   0 0 703
SERVICENOW INC COM 81762P102 224 407 SH   SOLE   0 0 407
ISHARES TR CORE MSCI TOTAL 46432F834 12,023 164,027 SH   SOLE   0 0 164,027
ISHARES TR CORE MSCI EAFE 46432F842 411 5,495 SH   SOLE   0 0 5,495
PROSHARES TR S&P 500 DV ARIST 74348A467 10,269 113,311 SH   SOLE   0 0 113,311
BLACKROCK SCIENCE & TECHNOLO SHS 09258G104 226 3,793 SH   SOLE   0 0 3,793
ISHARES TR EXPONENTIAL TECH 46434V381 248 3,927 SH   SOLE   0 0 3,927
PAYPAL HLDGS INC COM 70450Y103 208 712 SH   SOLE   0 0 712
J P MORGAN EXCHANGE-TRADED F ULTRA SHRT INC 46641Q837 8,308 163,745 SH   SOLE   0 0 163,745
NIO INC SPON ADS 62914V106 240 4,512 SH   SOLE   0 0 4,512