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
APPLE INC COM 037833100 413 3,378 SH   SOLE   0 0 3,378
BRISTOL-MYERS SQUIBB CO COM 110122108 215 3,401 SH   SOLE   0 0 3,401
CORNING INC COM 219350105 541 12,437 SH   SOLE   0 0 12,437
FIDELITY COVINGTON TRUST CONSMR STAPLES 316092303 5,235 125,861 SH   SOLE   0 0 125,861
FIDELITY COVINGTON TRUST LTD TRM BD ETF 316188200 9,361 179,087 SH   SOLE   0 0 179,087
FIDELITY COVINGTON TRUST MSCI CONSM DIS 316092204 211 2,767 SH   SOLE   0 0 2,767
FIDELITY COVINGTON TRUST MSCI HLTH CARE I 316092600 5,037 85,438 SH   SOLE   0 0 85,438
FIDELITY COVINGTON TRUST MSCI INDL INDX 316092709 208 4,002 SH   SOLE   0 0 4,002
FIDELITY COVINGTON TRUST MSCI MATLS INDEX 316092881 206 4,645 SH   SOLE   0 0 4,645
FIDELITY COVINGTON TRUST MSCI UTILS INDEX 316092865 6,943 167,339 SH   SOLE   0 0 167,339
INVESCO ACTIVLY MANGD ETC FD OPTIMUM YIELD 46090F100 5,645 327,513 SH   SOLE   0 0 327,513
ISHARES INC CORE MSCI EMKT 46434G103 365 5,678 SH   SOLE   0 0 5,678
ISHARES INC MSCI EMERG MRKT 464286533 7,450 117,956 SH   SOLE   0 0 117,956
ISHARES TR 0-5 YR TIPS ETF 46429B747 380 3,594 SH   SOLE   0 0 3,594
ISHARES TR 1 3 YR TREAS BD 464287457 15,074 174,766 SH   SOLE   0 0 174,766
ISHARES TR 3 7 YR TREAS BD 464288661 278 2,141 SH   SOLE   0 0 2,141
ISHARES TR BARCLAYS 7 10 YR 464287440 5,015 44,408 SH   SOLE   0 0 44,408
ISHARES TR CORE DIV GRWTH 46434V621 4,553 94,328 SH   SOLE   0 0 94,328
ISHARES TR CORE HIGH DV ETF 46429B663 1,996 21,030 SH   SOLE   0 0 21,030
ISHARES TR CORE INTL AGGR 46435G672 5,233 95,383 SH   SOLE   0 0 95,383
ISHARES TR CORE MSCI EAFE 46432F842 7,971 110,626 SH   SOLE   0 0 110,626
ISHARES TR CORE S&P MCP ETF 464287507 13,306 51,120 SH   SOLE   0 0 51,120
ISHARES TR CORE S&P SCP ETF 464287804 6,257 57,650 SH   SOLE   0 0 57,650
ISHARES TR CORE S&P500 ETF 464287200 776 1,951 SH   SOLE   0 0 1,951
ISHARES TR CORE US AGGBD ET 464287226 22,716 199,557 SH   SOLE   0 0 199,557
ISHARES TR FLTG RATE NT ETF 46429B655 4,828 95,073 SH   SOLE   0 0 95,073
ISHARES TR IBONDS DEC25 ETF 46434VBD1 244 9,108 SH   SOLE   0 0 9,108
ISHARES TR JPMORGAN USD EMG 464288281 2,022 18,575 SH   SOLE   0 0 18,575
ISHARES TR MSCI EAFE ETF 464287465 951 12,537 SH   SOLE   0 0 12,537
ISHARES TR MSCI EAFE MIN VL 46429B689 14,054 192,545 SH   SOLE   0 0 192,545
ISHARES TR MSCI LW CRB TG 46434V464 232 1,483 SH   SOLE   0 0 1,483
ISHARES TR MSCI USA MIN VOL 46429B697 4,532 65,497 SH   SOLE   0 0 65,497
ISHARES TR NATIONAL MUN ETF 464288414 2,778 23,936 SH   SOLE   0 0 23,936
ISHARES TR NEW YORK MUN ETF 464288323 497 8,622 SH   SOLE   0 0 8,622
ISHARES TR PFD AND INCM SEC 464288687 318 8,279 SH   SOLE   0 0 8,279
ISHARES TR RUS 1000 GRW ETF 464287614 509 2,096 SH   SOLE   0 0 2,096
ISHARES TR S&P 500 GRWT ETF 464287309 12,573 193,102 SH   SOLE   0 0 193,102
ISHARES TR S&P 500 VAL ETF 464287408 17,377 123,029 SH   SOLE   0 0 123,029
ISHARES TR SELECT DIVID ETF 464287168 308 2,701 SH   SOLE   0 0 2,701
ISHARES TR SHRT NAT MUN ETF 464288158 4,076 37,800 SH   SOLE   0 0 37,800
ISHARES TR SP SMCP600VL ETF 464287879 6,051 60,065 SH   SOLE   0 0 60,065
ISHARES TR TIPS BD ETF 464287176 3,723 29,666 SH   SOLE   0 0 29,666
ISHARES U S ETF TR INT RT HDG C B 46431W705 1,041 10,790 SH   SOLE   0 0 10,790
PROSHARES TR S&P MDCP 400 DIV 74347B680 5,640 80,947 SH   SOLE   0 0 80,947
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 219 1,646 SH   SOLE   0 0 1,646
SMITH A O CORP COM 831865209 8,113 120,001 SH   SOLE   0 0 120,001