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
AON PLC SHS CL A G0403H108 328 1,587 SH   SOLE   0 0 1,587
STERIS PLC SHS USD G8473T100 312 1,772 SH   SOLE   0 0 1,772
ALPS ETF TR RIVRFRNT STR INC 00162Q783 3,372 137,431 SH   SOLE   0 0 137,431
AT&T INC COM 00206R102 705 24,740 SH   SOLE   0 0 24,740
ABBOTT LABS COM 002824100 664 6,104 SH   SOLE   0 0 6,104
ABBVIE INC COM 00287Y109 828 9,469 SH   SOLE   0 0 9,469
ABERDEEN STD GOLD ETF TR PHYSCL GOLD SHS 00326A104 2,003 110,321 SH   SOLE   0 0 110,321
ACTIVISION BLIZZARD INC COM 00507V109 249 2,971 SH   SOLE   0 0 2,971
ADOBE SYSTEMS INCORPORATED COM 00724F101 401 818 SH   SOLE   0 0 818
AKAMAI TECHNOLOGIES INC COM 00971T101 365 3,303 SH   SOLE   0 0 3,303
ALIBABA GROUP HLDG LTD SPONSORED ADS 01609W102 229 778 SH   SOLE   0 0 778
ALPHABET INC CAP STK CL A 02079K305 661 439 SH   SOLE   0 0 439
AMAZON COM INC COM 023135106 1,603 501 SH   SOLE   0 0 501
AMERICAN EXPRESS CO COM 025816109 337 3,358 SH   SOLE   0 0 3,358
AMERICAN TOWER CORP NEW COM 03027X100 201 831 SH   SOLE   0 0 831
AMGEN INC COM 031162100 1,317 5,228 SH   SOLE   0 0 5,228
APPLE INC COM 037833100 5,804 50,027 SH   SOLE   0 0 50,027
AUTOZONE INC COM 053332102 270 229 SH   SOLE   0 0 229
AVERY DENNISON CORP COM 053611109 246 1,925 SH   SOLE   0 0 1,925
BCE INC COM NEW 05534B760 303 7,303 SH   SOLE   0 0 7,303
BK OF AMERICA CORP COM 060505104 441 18,317 SH   SOLE   0 0 18,317
BANK NEW YORK MELLON CORP COM 064058100 247 7,179 SH   SOLE   0 0 7,179
BERKSHIRE HATHAWAY INC DEL CL A 084670108 320 1 SH   SOLE   0 0 1
BEST BUY INC COM 086516101 394 3,538 SH   SOLE   0 0 3,538
BORGWARNER INC COM 099724106 223 5,764 SH   SOLE   0 0 5,764
BRISTOL-MYERS SQUIBB CO COM 110122108 545 9,041 SH   SOLE   0 0 9,041
BRITISH AMERN TOB PLC SPONSORED ADR 110448107 312 8,284 SH   SOLE   0 0 8,284
CDW CORP COM 12514G108 334 2,790 SH   SOLE   0 0 2,790
CADENCE DESIGN SYSTEM INC COM 127387108 333 3,125 SH   SOLE   0 0 3,125
CANADIAN IMP BK COMM COM 136069101 338 4,518 SH   SOLE   0 0 4,518
LUMEN TECHNOLOGIES INC COM 156700106 123 12,143 SH   SOLE   0 0 12,143
CHEVRON CORP NEW COM 166764100 423 5,871 SH   SOLE   0 0 5,871
CISCO SYS INC COM 17275R102 1,333 33,840 SH   SOLE   0 0 33,840
COCA COLA CO COM 191216100 215 4,352 SH   SOLE   0 0 4,352
COMCAST CORP NEW CL A 20030N101 334 7,228 SH   SOLE   0 0 7,228
D R HORTON INC COM 23331A109 409 5,405 SH   SOLE   0 0 5,405
DTE ENERGY CO COM 233331107 739 6,420 SH   SOLE   0 0 6,420
DOVER CORP COM 260003108 441 4,073 SH   SOLE   0 0 4,073
DUKE ENERGY CORP NEW COM NEW 26441C204 313 3,533 SH   SOLE   0 0 3,533
ELECTRONIC ARTS INC COM 285512109 276 2,060 SH   SOLE   0 0 2,060
EVERSOURCE ENERGY COM 30040W108 285 3,408 SH   SOLE   0 0 3,408
EXXON MOBIL CORP COM 30231G102 298 8,884 SH   SOLE   0 0 8,884
FACEBOOK INC CL A 30303M102 624 2,297 SH   SOLE   0 0 2,297
FIDELITY NATL INFORMATION SV COM 31620M106 301 2,048 SH   SOLE   0 0 2,048
FIRST TR EXCHANGE-TRADED FD SENIOR LN FD 33738D309 819 17,800 SH   SOLE   0 0 17,800
FIRST TR EXCHANGE-TRADED FD FST LOW OPPT EFT 33739Q200 2,069 40,016 SH   SOLE   0 0 40,016
FORD MTR CO DEL COM 345370860 166 24,890 SH   SOLE   0 0 24,890
FORTUNE BRANDS HOME & SEC IN COM 34964C106 348 4,026 SH   SOLE   0 0 4,026
GILEAD SCIENCES INC COM 375558103 301 4,766 SH   SOLE   0 0 4,766
GLAXOSMITHKLINE PLC SPONSORED ADR 37733W105 206 5,474 SH   SOLE   0 0 5,474
HOME DEPOT INC COM 437076102 657 2,370 SH   SOLE   0 0 2,370
HUNTINGTON BANCSHARES INC COM 446150104 152 16,544 SH   SOLE   0 0 16,544
INDEXIQ ETF TR IQ S&P HGH YLD 45409B412 1,450 58,507 SH   SOLE   0 0 58,507
INTEL CORP COM 458140100 365 7,122 SH   SOLE   0 0 7,122
INTERNATIONAL BUSINESS MACHS COM 459200101 210 1,825 SH   SOLE   0 0 1,825
INVESCO ACTIVELY MANAGED ETF ULTRA SHRT DUR 46090A887 3,169 62,702 SH   SOLE   0 0 62,702
INVESCO QQQ TR UNIT SER 1 46090E103 2,453 8,824 SH   SOLE   0 0 8,824
INVESCO EXCHANGE TRADED FD T S&P500 QUALITY 46137V241 3,176 82,084 SH   SOLE   0 0 82,084
INVESCO EXCHANGE TRADED FD T S&P500 EQL TEC 46137V282 2,123 10,073 SH   SOLE   0 0 10,073
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 5,203 48,095 SH   SOLE   0 0 48,095
INVESCO EXCHANGE TRADED FD T DYNMC LRG VALU 46137V738 3,163 92,884 SH   SOLE   0 0 92,884
ISHARES TR CORE S&P TTL STK 464287150 4,128 54,659 SH   SOLE   0 0 54,659
ISHARES TR TIPS BD ETF 464287176 815 6,443 SH   SOLE   0 0 6,443
ISHARES TR CORE US AGGBD ET 464287226 3,139 26,574 SH   SOLE   0 0 26,574
ISHARES TR MSCI EMG MKT ETF 464287234 10,512 238,361 SH   SOLE   0 0 238,361
ISHARES TR IBOXX INV CP ETF 464287242 5,667 42,064 SH   SOLE   0 0 42,064
ISHARES TR BARCLAYS 7 10 YR 464287440 462 3,783 SH   SOLE   0 0 3,783
ISHARES TR MSCI EAFE ETF 464287465 12,660 198,866 SH   SOLE   0 0 198,866
ISHARES TR RUS 1000 ETF 464287622 26,688 142,547 SH   SOLE   0 0 142,547
ISHARES TR RUSSELL 2000 ETF 464287655 1,880 12,550 SH   SOLE   0 0 12,550
ISHARES TR JPMORGAN USD EMG 464288281 15,745 141,972 SH   SOLE   0 0 141,972
ISHARES TR IBOXX HI YD ETF 464288513 5,795 69,066 SH   SOLE   0 0 69,066
ISHARES TR MBS ETF 464288588 2,345 21,227 SH   SOLE   0 0 21,227
ISHARES TR INTRM GOV CR ETF 464288612 6,994 59,376 SH   SOLE   0 0 59,376
ISHARES TR ISHS 5-10YR INVT 464288638 1,306 21,483 SH   SOLE   0 0 21,483
ISHARES TR ISHS 1-5YR INVS 464288646 5,491 99,921 SH   SOLE   0 0 99,921
ISHARES TR 10-20 YR TRS ETF 464288653 231 1,383 SH   SOLE   0 0 1,383
ISHARES TR 3 7 YR TREAS BD 464288661 2,091 15,648 SH   SOLE   0 0 15,648
ISHARES TR US TREAS BD ETF 46429B267 1,917 68,631 SH   SOLE   0 0 68,631
ISHARES TR CMBS ETF 46429B366 808 14,548 SH   SOLE   0 0 14,548
ISHARES TR FLTG RATE NT ETF 46429B655 1,288 25,386 SH   SOLE   0 0 25,386
ISHARES TR MSCI USA MIN VOL 46429B697 2,869 45,012 SH   SOLE   0 0 45,012
ISHARES U S ETF TR SHT MAT BD ETF 46431W507 1,640 32,723 SH   SOLE   0 0 32,723
ISHARES TR MSCI USA MMENTM 46432F396 493 3,341 SH   SOLE   0 0 3,341
ISHARES TR CORE MSCI EAFE 46432F842 1,006 16,696 SH   SOLE   0 0 16,696
ISHARES INC CORE MSCI EMKT 46434G103 1,316 24,918 SH   SOLE   0 0 24,918
ISHARES TR 0-5YR HI YL CP 46434V407 286 6,491 SH   SOLE   0 0 6,491
ISHARES TR CORE TOTAL USD 46434V613 982 18,052 SH   SOLE   0 0 18,052
JPMORGAN CHASE & CO COM 46625H100 832 8,930 SH   SOLE   0 0 8,930
J P MORGAN EXCHANGE-TRADED F HIGH YLD RESRCH 46641Q878 412 8,236 SH   SOLE   0 0 8,236
JOHNSON & JOHNSON COM 478160104 483 3,344 SH   SOLE   0 0 3,344
KELLOGG CO COM 487836108 340 5,267 SH   SOLE   0 0 5,267
KEURIG DR PEPPER INC COM 49271V100 233 8,460 SH   SOLE   0 0 8,460
KIMBERLY CLARK CORP COM 494368103 353 2,391 SH   SOLE   0 0 2,391
LAM RESEARCH CORP COM 512807108 497 1,498 SH   SOLE   0 0 1,498
LEIDOS HOLDINGS INC COM 525327102 285 3,199 SH   SOLE   0 0 3,199
LILLY ELI & CO COM 532457108 397 2,697 SH   SOLE   0 0 2,697
LOCKHEED MARTIN CORP COM 539830109 357 931 SH   SOLE   0 0 931
MARSH & MCLENNAN COS INC COM 571748102 236 2,059 SH   SOLE   0 0 2,059
MASTERCARD INCORPORATED CL A 57636Q104 721 2,130 SH   SOLE   0 0 2,130
MERCK & CO. INC COM 58933Y105 903 10,884 SH   SOLE   0 0 10,884
MICROSOFT CORP COM 594918104 2,629 12,498 SH   SOLE   0 0 12,498
MICROCHIP TECHNOLOGY INC. COM 595017104 557 5,419 SH   SOLE   0 0 5,419
MONDELEZ INTL INC CL A 609207105 346 6,177 SH   SOLE   0 0 6,177
MORGAN STANLEY COM NEW 617446448 355 7,339 SH   SOLE   0 0 7,339
NATIONAL GRID PLC SPONSORED ADR NE 636274409 241 4,171 SH   SOLE   0 0 4,171
NEWMONT CORP COM 651639106 217 3,410 SH   SOLE   0 0 3,410
NEXTERA ENERGY INC COM 65339F101 1,472 5,304 SH   SOLE   0 0 5,304
NORFOLK SOUTHN CORP COM 655844108 430 2,011 SH   SOLE   0 0 2,011
PPL CORP COM 69351T106 267 9,804 SH   SOLE   0 0 9,804
PACKAGING CORP AMER COM 695156109 262 2,400 SH   SOLE   0 0 2,400
PARKER-HANNIFIN CORP COM 701094104 305 1,510 SH   SOLE   0 0 1,510
PAYPAL HLDGS INC COM 70450Y103 342 1,735 SH   SOLE   0 0 1,735
PEPSICO INC COM 713448108 404 2,915 SH   SOLE   0 0 2,915
PFIZER INC COM 717081103 763 20,858 SH   SOLE   0 0 20,858
PHILIP MORRIS INTL INC COM 718172109 661 8,812 SH   SOLE   0 0 8,812
PIMCO ETF TR 0-5 HIGH YIELD 72201R783 1,301 13,865 SH   SOLE   0 0 13,865
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 795 7,771 SH   SOLE   0 0 7,771
PROCTER AND GAMBLE CO COM 742718109 407 2,929 SH   SOLE   0 0 2,929
PROGRESSIVE CORP COM 743315103 291 3,075 SH   SOLE   0 0 3,075
QORVO INC COM 74736K101 240 1,861 SH   SOLE   0 0 1,861
REGIONS FINANCIAL CORP NEW COM 7591EP100 123 10,693 SH   SOLE   0 0 10,693
SPDR GOLD TR GOLD SHS 78463V107 2,283 12,884 SH   SOLE   0 0 12,884
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 2,768 75,675 SH   SOLE   0 0 75,675
SPDR INDEX SHS FDS DJ INTL RL ETF 78463X863 266 8,959 SH   SOLE   0 0 8,959
SPDR INDEX SHS FDS S&P INTL SMLCP 78463X871 328 10,805 SH   SOLE   0 0 10,805
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 1,561 53,351 SH   SOLE   0 0 53,351
SPDR SER TR PORTFOLIO INTRMD 78464A375 632 17,201 SH   SOLE   0 0 17,201
SPDR SER TR BLOMBRG BRC EMRG 78464A391 250 9,514 SH   SOLE   0 0 9,514
SPDR SER TR PORTFOLIO AGRGTE 78464A649 280 9,086 SH   SOLE   0 0 9,086
SPDR SER TR PORTFLI TIPS ETF 78464A656 350 11,329 SH   SOLE   0 0 11,329
SPDR SER TR PORTFOLIO S&P400 78464A847 307 9,424 SH   SOLE   0 0 9,424
SPDR SER TR PORTFOLIO S&P500 78464A854 6,634 168,554 SH   SOLE   0 0 168,554
SSGA ACTIVE ETF TR BLKSTN GSOSRLN 78467V608 1,025 22,911 SH   SOLE   0 0 22,911
SSGA ACTIVE ETF TR SPDR TR TACTIC 78467V848 5,385 109,165 SH   SOLE   0 0 109,165
SPDR SER TR PORTFOLIO SH TSR 78468R101 2,087 67,965 SH   SOLE   0 0 67,965
SPDR SER TR BLOMBERG BRC INV 78468R200 3,929 128,460 SH   SOLE   0 0 128,460
SPDR SER TR BLOOMBERG BRCLYS 78468R622 1,524 14,618 SH   SOLE   0 0 14,618
SPDR SER TR SPDR BLOOMBERG 78468R663 351 3,840 SH   SOLE   0 0 3,840
SPDR SER TR PORTFOLIO S&P600 78468R853 277 10,100 SH   SOLE   0 0 10,100
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308 1,102 17,190 SH   SOLE   0 0 17,190
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 544 3,700 SH   SOLE   0 0 3,700
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704 566 7,353 SH   SOLE   0 0 7,353
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 1,105 9,472 SH   SOLE   0 0 9,472
SOUTHERN CO COM 842587107 242 4,456 SH   SOLE   0 0 4,456
T-MOBILE US INC COM 872590104 353 3,086 SH   SOLE   0 0 3,086
THERMO FISHER SCIENTIFIC INC COM 883556102 438 992 SH   SOLE   0 0 992
UNILEVER PLC SPON ADR NEW 904767704 264 4,271 SH   SOLE   0 0 4,271
UNITED PARCEL SERVICE INC CL B 911312106 287 1,725 SH   SOLE   0 0 1,725
UNITEDHEALTH GROUP INC COM 91324P102 637 2,045 SH   SOLE   0 0 2,045
VANECK VECTORS ETF TR FALLEN ANGEL HG 92189F437 808 27,166 SH   SOLE   0 0 27,166
VANGUARD WORLD FD MEGA GRWTH IND 921910816 3,557 19,167 SH   SOLE   0 0 19,167
VANGUARD WORLD FD MEGA CAP VAL ETF 921910840 2,425 31,577 SH   SOLE   0 0 31,577
VANGUARD BD INDEX FDS LONG TERM BOND 921937793 3,838 34,312 SH   SOLE   0 0 34,312
VANGUARD BD INDEX FDS INTERMED TERM 921937819 2,346 25,095 SH   SOLE   0 0 25,095
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 7,530 90,659 SH   SOLE   0 0 90,659
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 630 7,136 SH   SOLE   0 0 7,136
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 7,879 192,593 SH   SOLE   0 0 192,593
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 280 5,494 SH   SOLE   0 0 5,494
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 6,610 113,596 SH   SOLE   0 0 113,596
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 2,765 64,076 SH   SOLE   0 0 64,076
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 354 4,279 SH   SOLE   0 0 4,279
VANGUARD SCOTTSDALE FDS MORTG-BACK SEC 92206C771 3,961 73,004 SH   SOLE   0 0 73,004
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 2,176 7,072 SH   SOLE   0 0 7,072
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 722 7,113 SH   SOLE   0 0 7,113
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 901 4,998 SH   SOLE   0 0 4,998
VANGUARD INDEX FDS SML CP GRW ETF 922908595 537 2,495 SH   SOLE   0 0 2,495
VANGUARD INDEX FDS SM CP VAL ETF 922908611 882 7,967 SH   SOLE   0 0 7,967
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 431 3,325 SH   SOLE   0 0 3,325
VANGUARD INDEX FDS GROWTH ETF 922908736 8,512 37,390 SH   SOLE   0 0 37,390
VANGUARD INDEX FDS VALUE ETF 922908744 5,866 56,116 SH   SOLE   0 0 56,116
VANGUARD INDEX FDS SMALL CP ETF 922908751 1,992 12,952 SH   SOLE   0 0 12,952
VERIZON COMMUNICATIONS INC COM 92343V104 1,057 17,631 SH   SOLE   0 0 17,631
VISA INC COM CL A 92826C839 493 2,466 SH   SOLE   0 0 2,466
VODAFONE GROUP PLC NEW SPONSORED ADR 92857W308 200 14,925 SH   SOLE   0 0 14,925
WALMART INC COM 931142103 407 2,909 SH   SOLE   0 0 2,909
ZEBRA TECHNOLOGIES CORPORATI CL A 989207105 307 1,218 SH   SOLE   0 0 1,218