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
3M COMPANY COM 88579Y101 420 2,381 SH   SOLE NONE 2,381 0 0
ABB LTD SPONSORED ADR SPONSORED ADR 000375204 317 13,175 SH   SOLE NONE 13,175 0 0
ABBOTT LABORATORIES COM 002824100 457 5,268 SH   SOLE NONE 5,268 0 0
ABBVIE INC COM USD0.01 COM 00287Y109 490 5,537 SH   SOLE NONE 5,537 0 0
ACCENTURE PLC CLS A USD0.0000225 SHS CLASS A G1151C101 259 1,232 SH   SOLE NONE 1,232 0 0
ADOBE INC COM COM 00724F101 575 1,744 SH   SOLE NONE 1,744 0 0
AEGON N V NY REGISTRY SHS NY REGISTRY SHS 007924103 268 59,323 SH   SOLE NONE 59,323 0 0
AIR PRODUCTS & CHEM COM 009158106 275 1,173 SH   SOLE NONE 1,173 0 0
ALIBABA GROUP HOLDING LTD SPON ADS EACH REP 8 ORD SHS SPONSORED ADS 01609W102 396 1,868 SH   SOLE NONE 1,868 0 0
ALLEGION PLC COM USD0.01 ORD SHS G0176J109 269 2,162 SH   SOLE NONE 2,162 0 0
ALPHABET INC CAP STK CL A CAP STK CL A 02079K305 1,994 1,489 SH   SOLE NONE 1,489 0 0
ALPHABET INC CAP STK CL C CAP STK CL C 02079K107 387 290 SH   SOLE NONE 290 0 0
ALTRIA GROUP INC COM 02209S103 360 7,227 SH   SOLE NONE 7,227 0 0
AMAZON.COM INC COM 023135106 2,629 1,423 SH   SOLE NONE 1,423 0 0
AMERICAN ELEC PWR CO INC COM COM 025537101 2,239 23,692 SH   SOLE NONE 23,692 0 0
AMERICAN EXPRESS CO COM USD0.20 COM 025816109 332 2,674 SH   SOLE NONE 2,674 0 0
AMERICAN TOWER CORP COM USD0.01 COM 03027X100 468 2,040 SH   SOLE NONE 2,040 0 0
AMGEN INC COM 031162100 1,066 4,424 SH   SOLE NONE 4,424 0 0
AMICUS THERAPEUTICS INC COM 03152W109 142 14,676 SH   SOLE NONE 14,676 0 0
APPLE INC COM USD0.00001 COM 037833100 7,480 25,475 SH   SOLE NONE 25,475 0 0
ASML HOLDING NV EUR0.09 NY REGISTRY SHS 2012 N Y REGISTRY SHS N07059210 220 745 SH   SOLE NONE 745 0 0
ASTRAZENECA ADR EACH REP 1 ORD USD0.25 MGT SPONSORED ADR 046353108 1,758 35,263 SH   SOLE NONE 35,263 0 0
AT&T INC COM USD1 COM 00206R102 1,371 35,085 SH   SOLE NONE 35,085 0 0
AUTOMATIC DATA PROCESSING INC COM USD0.10 COM 053015103 272 1,600 SH   SOLE NONE 1,600 0 0
BANK OF AMERICA CORP COM 060505104 1,080 30,668 SH   SOLE NONE 30,668 0 0
BANK OF NOVA SCOTIA COM NPV ISIN #CA0641491075 SEDOL #2076281 COM 064149107 263 4,666 SH   SOLE NONE 4,666 0 0
BCE INC COM NEW ISIN #CA05534B7604 SEDOL #B188TH2 COM NEW 05534B760 237 5,115 SH   SOLE NONE 5,115 0 0
BERKSHIRE HATHAWAY INC DEL CL A FRMLY COMMON CL A 084670108 339 1 SH   SOLE NONE 1 0 0
BLACKROCK INC COM USD0.01 COM 09247X101 256 511 SH   SOLE NONE 511 0 0
BOEING CO COM USD5.00 COM 097023105 360 1,105 SH   SOLE NONE 1,105 0 0
BP PLC SPONSORED ADR SPONSORED ADR 055622104 251 6,663 SH   SOLE NONE 6,663 0 0
BRISTOL-MYERS SQUIBB CO COM USD0.10 COM 110122108 464 7,243 SH   SOLE NONE 7,243 0 0
BROADCOM INC COM COM 11135F101 492 1,557 SH   SOLE NONE 1,557 0 0
CANADIAN NATURAL RESOURCES LTD COM NPV ISIN #CA1363851017 SEDOL #2171573 COM 136385101 428 13,260 SH   SOLE NONE 13,260 0 0
CH ROBINSON WORLDWIDE INC COM USD0.10 COM NEW 12541W209 308 3,950 SH   SOLE NONE 3,950 0 0
CHEMOURS CO COM COM 163851108 614 33,956 SH   SOLE NONE 33,956 0 0
CHEVRON CORP NEW COM COM 166764100 878 7,288 SH   SOLE NONE 7,288 0 0
CHINA MOBILE LTD SPON ADR REP 5 ORD HKD0.10 SPONSORED ADR 16941M109 242 5,742 SH   SOLE NONE 5,742 0 0
CHINA TELECOM CORPORATION SPONS ADR EACH REPR 100 H COM CNY1 SPON ADR H SHS 169426103 212 5,157 SH   SOLE NONE 5,157 0 0
CHUBB LIMITED COM NPV ISIN #CH0044328745 COM H1467J104 485 3,119 SH   SOLE NONE 3,119 0 0
CISCO SYS INC COM COM 17275R102 1,929 40,239 SH   SOLE NONE 40,239 0 0
CITIGROUP INC COM NEW COM NEW 172967424 820 10,268 SH   SOLE NONE 10,268 0 0
CME GROUP INC COM COM 12572Q105 1,488 7,414 SH   SOLE NONE 7,414 0 0
COCA COLA CO COM 191216100 1,451 26,233 SH   SOLE NONE 26,233 0 0
COCA-COLA EUROPEAN PARTNERS PLC COM EUR0.01 SHS G25839104 486 9,558 SH   SOLE NONE 9,558 0 0
COLGATE-PALMOLIVE CO COM USD1.00 COM 194162103 318 4,625 SH   SOLE NONE 4,625 0 0
CONOCOPHILLIPS COM COM 20825C104 639 9,827 SH   SOLE NONE 9,827 0 0
CORTEVA INC COM COM 22052L104 2,060 69,693 SH   SOLE NONE 69,693 0 0
COSTCO WHOLESALE CORP COM USD0.01 COM 22160K105 401 1,367 SH   SOLE NONE 1,367 0 0
CROWN CASTLE INTL CORP NEW COM ISIN #US22822V1017 SEDOL #BTGQCX1 COM 22822V101 671 4,723 SH   SOLE NONE 4,723 0 0
CSX CORP COM USD1 COM 126408103 483 6,684 SH   SOLE NONE 6,684 0 0
DANAHER CORPORATION COM COM 235851102 217 1,419 SH   SOLE NONE 1,419 0 0
DARDEN RESTAURANTS COM 237194105 261 2,400 SH   SOLE NONE 2,400 0 0
DIAGEO ADR EACH REPR 4 ORD GBX28.935185 SPON ADR NEW 25243Q205 429 2,548 SH   SOLE NONE 2,548 0 0
DIGITAL RLTY TR INC COM COM 253868103 961 8,030 SH   SOLE NONE 8,030 0 0
DISNEY WALT CO COM DISNEY 254687106 806 5,579 SH   SOLE NONE 5,579 0 0
DOMINION ENERGY INC COM COM 25746U109 650 7,852 SH   SOLE NONE 7,852 0 0
DOVER CORP COM USD1.00 COM 260003108 284 2,471 SH   SOLE NONE 2,471 0 0
DOW INC COM COM 260557103 3,683 67,296 SH   SOLE NONE 67,296 0 0
DUKE ENERGY CORP NEW COM NEW ISIN #US26441C2044 SEDOL #B7JZSK0 COM NEW 26441C204 427 4,689 SH   SOLE NONE 4,689 0 0
DUPONT DE NEMOURS INC COM COM 26614N102 4,269 66,495 SH   SOLE NONE 66,495 0 0
ELI LILLY AND CO COM COM 532457108 869 6,615 SH   SOLE NONE 6,615 0 0
EMERSON ELECTRIC CO COM 291011104 1,130 14,823 SH   SOLE NONE 14,823 0 0
ENTERPRISE PRODS PARTNERS L P COM COM 293792107 238 8,480 SH   SOLE NONE 8,480 0 0
ESTEE LAUDER COMPANIES INC COM USD0.01 CLASS A CL A 518439104 396 1,919 SH   SOLE NONE 1,919 0 0
EXELON CORP COM NPV COM 30161N101 1,132 24,841 SH   SOLE NONE 24,841 0 0
EXXON MOBIL CORP COM 30231G102 2,033 29,145 SH   SOLE NONE 29,145 0 0
FACEBOOK INC-CLASS A CL A 30303M102 999 4,869 SH   SOLE NONE 4,869 0 0
FIDELITY NASDAQ COMPOSITE INDEX TRACKING STOCK NDQ CP IDX TRK 315912808 339 970 SH   SOLE NONE 970 0 0
FIRST BANCORP P R COM NEW COM NEW 318672706 117 11,136 SH   SOLE NONE 11,136 0 0
FIRST TR EXCHANGE TRADED FD DOW JONES INTERNET INDEX FD DJ INTERNT IDX 33733E302 209 1,503 SH   SOLE NONE 1,503 0 0
FIRST TR EXCHANGE TRADED FD VI MULTI ASSET DIVERSIFIED INCOME INDEX FD MULTI ASSET DI 33738R100 207 11,023 SH   SOLE NONE 11,023 0 0
FIRST TRUST CLOUD COMPUTING ETF CLOUD COMPUTING 33734X192 217 3,598 SH   SOLE NONE 3,598 0 0
FORD MTR CO DEL COM COM 345370860 291 31,333 SH   SOLE NONE 31,333 0 0
GENERAL ELECTRIC CO COM USD0.06 COM 369604103 423 37,928 SH   SOLE NONE 37,928 0 0
GENERAL MILLS INC COM USD0.10 COM 370334104 294 5,493 SH   SOLE NONE 5,493 0 0
GLAXOSMITHKLINE PLC SPONSORED ADR SPONSORED ADR 37733W105 295 6,285 SH   SOLE NONE 6,285 0 0
GOLDMAN SACHS GROUP INC COM USD0.01 COM 38141G104 234 1,021 SH   SOLE NONE 1,021 0 0
HOME DEPOT INC COM COM 437076102 549 2,518 SH   SOLE NONE 2,518 0 0
HONDA MOTOR LTD AMERN SHS AMERN SHS 438128308 264 9,358 SH   SOLE NONE 9,358 0 0
HONEYWELL INTERNATIONAL INC COM USD1 COM 438516106 343 1,938 SH   SOLE NONE 1,938 0 0
HSBC HLDGS PLC SPON ADR NEW SPON ADR NEW 404280406 406 10,396 SH   SOLE NONE 10,396 0 0
IHS MARKIT LTD COM USD0.01 ISIN #BMG475671050 SEDOL #BH0K6S8 SHS G47567105 259 3,449 SH   SOLE NONE 3,449 0 0
INTEL CORP COM USD0.001 COM 458140100 1,775 29,669 SH   SOLE NONE 29,669 0 0
INTERCONTINENTAL EXCHANGE INC COM USD0.01 COM 45866F104 259 2,805 SH   SOLE NONE 2,805 0 0
INVESCO EXCHANGE TRADED FD TR INTL DIVI ACHI INTL DIVI ACHI 46137V548 2,693 157,860 SH   SOLE NONE 157,860 0 0
INVESCO EXCHANGE TRADED FD TR S&P 500 TOP 50 S&P 500 TOP 50 46137V233 443 1,900 SH   SOLE NONE 1,900 0 0
INVESCO EXCHNG TRADED FD TR II CHINA TECHNLGY CHINA TECHNLGY 46138E800 208 3,957 SH   SOLE NONE 3,957 0 0
INVESCO QQQ TR UNIT SER 1 UNIT SER 1 46090E103 2,107 9,910 SH   SOLE NONE 9,910 0 0
ISHARES 0-5 YEAR TIPS BOND ETF 0-5 YR TIPS ETF 46429B747 24,860 246,855 SH   SOLE NONE 246,855 0 0
ISHARES CORE GROWTH ALLOCATION ETF GRWT ALLOCAT ETF 464289867 286 5,987 SH   SOLE NONE 5,987 0 0
ISHARES CORE S&P 500 ETF CORE S&P500 ETF 464287200 1,522 4,711 SH   SOLE NONE 4,711 0 0
ISHARES CORE S&P SMALL-CAP E CORE S&P SCP ETF 464287804 6,828 81,441 SH   SOLE NONE 81,441 0 0
ISHARES EDGE MSCI MIN VOL EAFE ETF MIN VOL EAFE ETF 46429B689 267 3,585 SH   SOLE NONE 3,585 0 0
ISHARES EDGE MSCI MIN VOL USA ETF MSCI MIN VOL ETF 46429B697 3,426 52,226 SH   SOLE NONE 52,226 0 0
ISHARES GOLD TRUST ISHARES ISIN #US4642851053 SEDOL B0SF3S5 ISHARES 464285105 20,858 1,438,550 SH   SOLE NONE 1,438,550 0 0
ISHARES IBONDS DEC 2020 TERM CORPORATE ETF IBONDS DEC20 ETF 46434VAQ3 15,738 622,090 SH   SOLE NONE 622,090 0 0
ISHARES IBONDS DEC 2021 TERM CORPORATE ETF IBONDS DEC21 ETF 46434VBK5 15,982 640,344 SH   SOLE NONE 640,344 0 0
ISHARES IBONDS DEC 2021 TERM MUNI BOND ETF IBONDS DEC2021 46435G789 466 18,125 SH   SOLE NONE 18,125 0 0
ISHARES IBONDS DEC 2022 TERM CORPORATE ETF IBONDS DEC22 ETF 46434VBA7 493 19,496 SH   SOLE NONE 19,496 0 0
ISHARES IBONDS DEC 2022 TERM MUNI BOND ETF IBONDS DEC2022 46435G755 514 19,679 SH   SOLE NONE 19,679 0 0
ISHARES IBONDS SEP 2020 TERM MUNI BOND ETF IBONDS SEP2020 46434V571 675 26,476 SH   SOLE NONE 26,476 0 0
ISHARES INC CORE MSCI EMERGING MKTS ETF CORE MSCI EMKT 46434G103 30,035 558,702 SH   SOLE NONE 558,702 0 0
ISHARES INC EM HGHYL BD ETF EM HGHYL BD ETF 464286285 261 5,533 SH   SOLE NONE 5,533 0 0
ISHARES INC EM MKTS DIV ETF EM MKTS DIV ETF 464286319 1,344 33,100 SH   SOLE NONE 33,100 0 0
ISHARES NATIONAL MUNI BOND ETF NATIONAL MUN ETF 464288414 5,417 47,557 SH   SOLE NONE 47,557 0 0
ISHARES RUSSELL 1000 GROWTH ETF RUS 1000 GRW ETF 464287614 313 1,781 SH   SOLE NONE 1,781 0 0
ISHARES S&P 500 GROWTH ETF S&P 500 GRWT ETF 464287309 533 2,753 SH   SOLE NONE 2,753 0 0
ISHARES S&P MID CAP 400 GROWTH ETF S&P MC 400GR ETF 464287606 773 3,250 SH   SOLE NONE 3,250 0 0
ISHARES SELECT DIVIDEND ETF SELECT DIVID ETF 464287168 364 3,452 SH   SOLE NONE 3,452 0 0
ISHARES SHORT-TERM NATIONAL MUNI BOND ETF SHRT NAT MUN ETF 464288158 3,752 35,141 SH   SOLE NONE 35,141 0 0
ISHARES TR CORE MSCI TOTAL CORE MSCI TOTAL 46432F834 1,309 21,151 SH   SOLE NONE 21,151 0 0
ISHARES TR FLTG RATE NT ETF FLTG RATE NT ETF 46429B655 227 4,477 SH   SOLE NONE 4,477 0 0
ISHARES TR IBONDS DEC 2024 TERM MUNI BD ETF IBONDS DEC 46435U697 317 12,005 SH   SOLE NONE 12,005 0 0
ISHARES TR IBONDS DEC2023 TERM MUNI BD ETF IBONDS DEC2023 46435G318 398 15,450 SH   SOLE NONE 15,450 0 0
ISHARES TR INTL SEL DIV ETF INTL SEL DIV ETF 464288448 2,713 80,830 SH   SOLE NONE 80,830 0 0
ISHARES TR JP MOR EM MK ETF JPMORGAN USD EMG 464288281 10,705 93,446 SH   SOLE NONE 93,446 0 0
ISHARES TR MSCI CHINA ETF MSCI CHINA ETF 46429B671 304 4,749 SH   SOLE NONE 4,749 0 0
ISHARES TR NASDAQ BIOTECH NASDAQ BIOTECH 464287556 935 7,765 SH   SOLE NONE 7,765 0 0
ISHARES TRUST 0-5YR HIGH YIELD CORP BD ISIN #US46434V4077 SEDOL #BFS2LL0 0-5YR HI YL CP 46434V407 315 6,804 SH   SOLE NONE 6,804 0 0
ISHARES TRUST CORE MSCI EAFE ETF CORE MSCI EAFE 46432F842 282 4,325 SH   SOLE NONE 4,325 0 0
ISHARES TRUST CORE MSCI EUROPE CORE MSCI EURO 46434V738 29,419 589,921 SH   SOLE NONE 589,921 0 0
ISHARES TRUST GLOBAL REIT ETF GLOBAL REIT ETF 46434V647 10,431 377,696 SH   SOLE NONE 377,696 0 0
ISHARES TRUST ISHARES CORE MSCI CORE MSCI PAC 46434V696 19,851 339,864 SH   SOLE NONE 339,864 0 0
JOHNSON &JOHNSON COM USD1.00 COM 478160104 1,551 10,639 SH   SOLE NONE 10,639 0 0
JPMORGAN CHASE & CO COM USD1.00 COM 46625H100 3,846 27,595 SH   SOLE NONE 27,595 0 0
KBR INC COM USD0.001 COM 48242W106 200 6,565 SH   SOLE NONE 6,565 0 0
KIMBERLY CLARK CORP COM USD1.25 COM 494368103 514 3,740 SH   SOLE NONE 3,740 0 0
KINDER MORGAN INC COM USD0.01 COM 49456B101 362 17,129 SH   SOLE NONE 17,129 0 0
KONINKLIJKE PHILIPS N V NY REG SH NEW NY REG SH NEW 500472303 216 4,427 SH   SOLE NONE 4,427 0 0
LOCKHEED MARTIN CORP COM USD1.00 COM 539830109 1,714 4,404 SH   SOLE NONE 4,404 0 0
LULULEMON ATHLETICA INC COM USD0.005 COM 550021109 234 1,014 SH   SOLE NONE 1,014 0 0
MASTERCARD INC CL A CL A 57636Q104 335 1,124 SH   SOLE NONE 1,124 0 0
MCDONALDS CORP COM 580135101 2,090 10,577 SH   SOLE NONE 10,577 0 0
MERCK & CO INC NEW COM COM 58933Y105 1,758 19,332 SH   SOLE NONE 19,332 0 0
METLIFE INC COM USD0.01 COM 59156R108 361 7,099 SH   SOLE NONE 7,099 0 0
MICROSOFT CORP COM 594918104 3,433 21,775 SH   SOLE NONE 21,775 0 0
NATIONAL GRID SPON ADR EACH REP 5 ORD SHS(POST SPLT) SPONSORED ADR NE 636274409 252 4,035 SH   SOLE NONE 4,035 0 0
NETFLIX COM INC COM COM 64110L106 478 1,478 SH   SOLE NONE 1,478 0 0
NEXTERA ENERGY INC COM USD0.01 COM 65339F101 714 2,952 SH   SOLE NONE 2,952 0 0
NIO INC SPON ADS EACH REP 1 ORD SHS CLASS A SPON ADS 62914V106 48 12,000 SH   SOLE NONE 12,000 0 0
NOVARTIS A G SPONSORED ADR SPONSORED ADR 66987V109 561 5,927 SH   SOLE NONE 5,927 0 0
NOVO NORDISK A/S ADR-EACH CNV INTO 1 CLASS B DKK1 ADR 670100205 303 5,237 SH   SOLE NONE 5,237 0 0
NUVEEN PENNSYLVANIA QLT MUN FD COM COM 670972108 426 30,107 SH   SOLE NONE 30,107 0 0
NVIDIA CORP COM 67066G104 369 1,570 SH   SOLE NONE 1,570 0 0
PACCAR INC COM USD1.00 COM 693718108 682 8,633 SH   SOLE NONE 8,633 0 0
PACKAGING CORP OF AMERICA COM USD0.01 COM 695156109 351 3,135 SH   SOLE NONE 3,135 0 0
PAYPAL HLDGS INC COM COM 70450Y103 274 2,539 SH   SOLE NONE 2,539 0 0
PEPSICO INC COM 713448108 2,225 16,286 SH   SOLE NONE 16,286 0 0
PFIZER INC COM 717081103 2,028 51,766 SH   SOLE NONE 51,766 0 0
PHILIP MORRIS INTERNATIONAL INC COM NPV COM 718172109 260 3,061 SH   SOLE NONE 3,061 0 0
PHILLIPS 66 COM COM 718546104 626 5,627 SH   SOLE NONE 5,627 0 0
PNC FINANCIAL SERVICES GROUP COM USD5 COM 693475105 1,509 9,459 SH   SOLE NONE 9,459 0 0
POSCO ADR EACH REP SPONSORED ADR 693483109 259 5,122 SH   SOLE NONE 5,122 0 0
PPL CORP COM USD0.01 COM 69351T106 244 6,821 SH   SOLE NONE 6,821 0 0
PROCTER & GAMBLE CO COM COM 742718109 1,518 12,157 SH   SOLE NONE 12,157 0 0
PRUDENTIAL ADR EACH REPR 2 ORD GBP0.05 ADR 74435K204 441 11,582 SH   SOLE NONE 11,582 0 0
PUBLIC STORAGE COM USD0.10 COM 74460D109 293 1,376 SH   SOLE NONE 1,376 0 0
PUBLIC SVC ENTERPRISE GRP INC COM COM 744573106 367 6,220 SH   SOLE NONE 6,220 0 0
RAYTHEON CO COM NEW COM NEW 755111507 399 1,819 SH   SOLE NONE 1,819 0 0
ROBERT HALF INTL INC COM 770323103 381 6,035 SH   SOLE NONE 6,035 0 0
ROYAL BANK OF CANADA MONTREAL QUE COM NPV ISIN #CA7800871021 SEDOL #2754383 COM 780087102 555 7,017 SH   SOLE NONE 7,017 0 0
ROYAL DUTCH SHELL PLC SPON ADR B SPON ADR B 780259107 1,499 25,002 SH   SOLE NONE 25,002 0 0
SALESFORCE.COM INC COM USD0.001 COM 79466L302 410 2,525 SH   SOLE NONE 2,525 0 0
SANOFI SPONSORED ADR SPONSORED ADR 80105N105 406 8,104 SH   SOLE NONE 8,104 0 0
SAP SE SPON ADR SPON ADR 803054204 264 1,974 SH   SOLE NONE 1,974 0 0
SCHWAB STRATEGIC TR EMERGING MKTS EQUITY ETF EMRG MKTEQ ETF 808524706 370 13,548 SH   SOLE NONE 13,548 0 0
SCHWAB STRATEGIC TR SHORT-TERM US TREASURY ETF SHT TM US TRES 808524862 32,181 637,515 SH   SOLE NONE 637,515 0 0
SELECT SECTOR SPDR TR CONSUMER DISCRETIONARY FORMERLY CYCLICAL/ TRANSN TO 06/24/2002 SBI CONS DISCR 81369Y407 2,971 23,690 SH   SOLE NONE 23,690 0 0
SELECT SECTOR SPDR TR HEALTH CARE FORMERLY CONSUMER SVCS TO 06/24/2002 SBI HEALTHCARE 81369Y209 26,541 260,567 SH   SOLE NONE 260,567 0 0
SELECT SECTOR SPDR TR SHS BEN INT MATERIALS SBI MATERIALS 81369Y100 233 3,804 SH   SOLE NONE 3,804 0 0
SELECT SECTOR SPDR TRUST AMEX FINANCIAL SELECT INDEX USD DIS SBI INT-FINL 81369Y605 19,969 648,768 SH   SOLE NONE 648,768 0 0
SIMON PPTY GRP INC COM 828806109 252 1,698 SH   SOLE NONE 1,698 0 0
SK TELECOM LTD SPONSORED ADR SPONSORED ADR 78440P108 330 14,298 SH   SOLE NONE 14,298 0 0
SNAP ON INC COM 833034101 357 2,107 SH   SOLE NONE 2,107 0 0
SONY CORP SPON ADR EACH REPR 1 ORD SPONSORED ADR 835699307 294 4,327 SH   SOLE NONE 4,327 0 0
SOUTHERN CO COM 842587107 265 4,164 SH   SOLE NONE 4,164 0 0
SPDR INDEX SHS FDS S&P INTL DIVIDEND ETF S&P INTL ETF 78463X772 1,025 25,518 SH   SOLE NONE 25,518 0 0
SPDR INDEX SHS FDS SOLACTIVE CANADA SOLACTIVE CANADA 78463X376 479 7,727 SH   SOLE NONE 7,727 0 0
SPDR INDEX SHS FDS SPDR S&P EMERGING MKTS DIVIDEND ETF S&P EM MKT DIV 78463X533 373 11,626 SH   SOLE NONE 11,626 0 0
SPDR S&P500 ETF TRUST TRUST UNIT DEPOSITARY RECEIPT TR UNIT 78462F103 2,818 8,756 SH   SOLE NONE 8,756 0 0
SPDR SER TR S&P BIOTECH ETF S&P BIOTECH 78464A870 235 2,477 SH   SOLE NONE 2,477 0 0
SPDR SER TR S&P DIVID ETF S&P DIVID ETF 78464A763 1,796 16,705 SH   SOLE NONE 16,705 0 0
SPDR SERIES TRUST NUVEEN BBG BRCLY NUVEEN BBG BRCLY 78464A284 402 6,824 SH   SOLE NONE 6,824 0 0
STARBUCKS CORP COM USD0.001 COM 855244109 364 4,151 SH   SOLE NONE 4,151 0 0
SUMITOMO MITSUI FINL GROUP INC SPONSORED ADR SPONSORED ADR 86562M209 266 35,947 SH   SOLE NONE 35,947 0 0
SUNCOR ENERGY COM NPV NEW ISIN #CA8672241079 SEDOL #B3NB1P2 COM 867224107 262 7,993 SH   SOLE NONE 7,993 0 0
SYSCO CORP COM 871829107 333 3,900 SH   SOLE NONE 3,900 0 0
TAIWAN SEMICONDUCTOR MANUFACTURING SPON ADS EACH REP 5 ORD TWD10 SPONSORED ADS 874039100 491 8,460 SH   SOLE NONE 8,460 0 0
TARGET CORP COM COM 87612E106 644 5,025 SH   SOLE NONE 5,025 0 0
TEXAS INSTRUMENTS INC COM USD1.00 COM 882508104 519 4,050 SH   SOLE NONE 4,050 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102 581 1,791 SH   SOLE NONE 1,791 0 0
THOMSON-REUTERS CORP COM NPV(POST REV SPLIT) ISIN #CA8849037095 SEDOL #BFXPTB0 COM NEW 884903709 347 4,848 SH   SOLE NONE 4,848 0 0
TIFFANY &CO NEW COM COM 886547108 480 3,594 SH   SOLE NONE 3,594 0 0
TJX COS INC NEW COM COM 872540109 236 3,868 SH   SOLE NONE 3,868 0 0
TORONTO DOMINION BANK ONT COM NPV ISIN #CA8911605092 SEDOL #2897222 COM NEW 891160509 1,683 29,987 SH   SOLE NONE 29,987 0 0
TOTAL SA SPON ADS EA REP 1 ORD SHS SPONSORED ADS 89151E109 460 8,319 SH   SOLE NONE 8,319 0 0
TOYOTA MOTOR CORP SP ADR REP2COM SP ADR REP2COM 892331307 332 2,367 SH   SOLE NONE 2,367 0 0
TRUIST FINL CORP COM COM 89832Q109 465 8,266 SH   SOLE NONE 8,266 0 0
UNILEVER NV EUR0.16(NEW YORK SHARES) N Y SHS NEW 904784709 335 5,838 SH   SOLE NONE 5,838 0 0
UNION PACIFIC CORP COM COM 907818108 646 3,573 SH   SOLE NONE 3,573 0 0
UNITED PARCEL SVC INC CL B CL B 911312106 538 4,602 SH   SOLE NONE 4,602 0 0
UNITED TECHNOLOGIES CORP COM USD1 COM 913017109 1,319 8,813 SH   SOLE NONE 8,813 0 0
UNITEDHEALTH GROUP COM 91324P102 673 2,291 SH   SOLE NONE 2,291 0 0
US BANCORP DEL COM NEW COM NEW 902973304 409 6,902 SH   SOLE NONE 6,902 0 0
V F CORP COM NPV COM 918204108 369 3,707 SH   SOLE NONE 3,707 0 0
VANECK VECTORS ETF TR AMT FREE INT ETF AMT FREE INT ETF 92189H201 5,040 100,349 SH   SOLE NONE 100,349 0 0
VANECK VECTORS ETF TR HIGH YLD MUN ETF HIGH YLD MUN ETF 92189H409 381 5,954 SH   SOLE NONE 5,954 0 0
VANECK VECTORS ETF TRUST SHORT HIGH YIELD SHORT HIGH YIELD 92189F387 5,732 227,490 SH   SOLE NONE 227,490 0 0
VANGUARD GROUP DIV APP ETF DIV APP ETF 921908844 207 1,660 SH   SOLE NONE 1,660 0 0
VANGUARD INDEX FDS VANGUARD GROWTH ETF FORMERLY VANGUARD INDEX TR VIPERS GROWTH ETF 922908736 685 3,765 SH   SOLE NONE 3,765 0 0
VANGUARD INDEX FDS VANGUARD SMALL CAP VALUE VIPERS FORMERLY VANGUARD INDEX TR SM CP VAL ETF 922908611 870 6,347 SH   SOLE NONE 6,347 0 0
VANGUARD INTL EQUITY INDEX FDS FTSE EUROPE ETF FTSE EUROPE ETF 922042874 600 10,241 SH   SOLE NONE 10,241 0 0
VANGUARD INTL EQUITY INDEX FDS FTSE PAC ETF FTSE PACIFIC ETF 922042866 500 7,187 SH   SOLE NONE 7,187 0 0
VANGUARD INTL EQUITY INDEX FUND INC FTSE EMERGING MARKETS ETF FTSE EMR MKT ETF 922042858 1,779 40,024 SH   SOLE NONE 40,024 0 0
VANGUARD MUN BD FD INC TAX EXEMPT BD TAX EXEMPT BD 922907746 252 4,710 SH   SOLE NONE 4,710 0 0
VANGUARD SECTOR INDEX FDS VANGUARD CONSUMER DISCRETIONARY VIPERS CONSUM DIS ETF 92204A108 11,048 58,309 SH   SOLE NONE 58,309 0 0
VANGUARD SECTOR INDEX FDS VANGUARD ENERGY VIPERS ENERGY ETF 92204A306 729 8,947 SH   SOLE NONE 8,947 0 0
VANGUARD SECTOR INDEX FDS VANGUARD FINLS VIPERS FINANCIALS ETF 92204A405 3,542 46,446 SH   SOLE NONE 46,446 0 0
VANGUARD SECTOR INDEX FDS VANGUARD HEALTH CARE VIPERS HEALTH CAR ETF 92204A504 596 3,111 SH   SOLE NONE 3,111 0 0
VANGUARD SECTOR INDEX FDS VANGUARD INDLS VIPERS INDUSTRIAL ETF 92204A603 15,671 101,843 SH   SOLE NONE 101,843 0 0
VANGUARD SECTOR INDEX FDS VANGUARD MATLS VIPERS MATERIALS ETF 92204A801 4,591 34,231 SH   SOLE NONE 34,231 0 0
VANGUARD SECTOR INDEX FDS VANGUARD UTILS VIPERS UTILITIES ETF 92204A876 3,803 26,621 SH   SOLE NONE 26,621 0 0
VANGUARD STAR FD VANGUARD TOTAL INTL STOCK INDEX FD ETF SHS VG TL INTL STK F 921909768 655 11,765 SH   SOLE NONE 11,765 0 0
VANGUARD WHITEHALL FDS HIGH DIVIDEND YIELD ETF SHS HIGH DIV YLD 921946406 944 10,077 SH   SOLE NONE 10,077 0 0
VANGUARD WORLD FD ESG US STK ETF ESG US STK ETF 921910733 444 7,849 SH   SOLE NONE 7,849 0 0
VANGUARD WORLD FDS COMM SRVC ETF COMM SRVC ETF 92204A884 11,709 124,662 SH   SOLE NONE 124,662 0 0
VANGUARD WORLD FDS VANGUARD CONSUMER STAPLES ETF CONSUM STP ETF 92204A207 10,785 66,906 SH   SOLE NONE 66,906 0 0
VANGUARD WORLD FDS VANGUARD INFORMATION TECHNOLOGY ETF INF TECH ETF 92204A702 39,747 162,334 SH   SOLE NONE 162,334 0 0
VENTAS INC COM 92276F100 200 3,466 SH   SOLE NONE 3,466 0 0
VERIZON COMMUNICATIONS COM 92343V104 2,916 47,504 SH   SOLE NONE 47,504 0 0
VISA INC COM CL A COM CL A 92826C839 868 4,622 SH   SOLE NONE 4,622 0 0
WALMART INC COM COM 931142103 561 4,726 SH   SOLE NONE 4,726 0 0
WEC ENERGY GROUP INC COM COM 92939U106 332 3,602 SH   SOLE NONE 3,602 0 0
WELLS FARGO CO NEW COM COM 949746101 202 3,772 SH   SOLE NONE 3,772 0 0
WISDOMTREE TR EMERGING MKTS HIGH DIVID FD EMER MKT HIGH FD 97717W315 1,346 29,412 SH   SOLE NONE 29,412 0 0
WPP PLC AMERICAN DEPOSITARY SHS EACH REP 5 ORD ADR 92937A102 280 3,987 SH   SOLE NONE 3,987 0 0
ZOETIS INC COM USD0.01 CL A CL A 98978V103 474 3,587 SH   SOLE NONE 3,587 0 0