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 284 1,825 SH   SOLE NONE 1,825 0 0
AARONS INC COM PAR $0.50 COM PAR $0.50 002535300 298 6,581 SH   SOLE NONE 6,581 0 0
ABB LTD SPON ADR EACH REP 1 ORD SHS SPONSORED ADR 000375204 277 12,287 SH   SOLE NONE 12,287 0 0
ABBOTT LABORATORIES COM 002824100 482 5,272 SH   SOLE NONE 5,272 0 0
ABBVIE INC COM USD0.01 COM 00287Y109 625 6,372 SH   SOLE NONE 6,372 0 0
ACCENTURE PLC CLS A USD0.0000225 SHS CLASS A G1151C101 214 1,000 SH   SOLE NONE 1,000 0 0
ADOBE INC COM COM 00724F101 658 1,513 SH   SOLE NONE 1,513 0 0
AEGON N V NY REGISTRY SHS NY REGISTRY SHS 007924103 251 85,432 SH   SOLE NONE 85,432 0 0
AIR PRODUCTS & CHEM COM 009158106 262 1,086 SH   SOLE NONE 1,086 0 0
ALIBABA GROUP HOLDING LTD SPON ADS EACH REP 8 ORD SHS SPONSORED ADS 01609W102 515 2,391 SH   SOLE NONE 2,391 0 0
ALPHABET INC CAP STK CL A CAP STK CL A 02079K305 1,951 1,376 SH   SOLE NONE 1,376 0 0
ALPHABET INC CAP STK CL C CAP STK CL C 02079K107 487 345 SH   SOLE NONE 345 0 0
ALTERYX INC COM CL A COM CL A 02156B103 241 1,470 SH   SOLE NONE 1,470 0 0
ALTRIA GROUP INC COM 02209S103 273 6,977 SH   SOLE NONE 6,977 0 0
AMAZON.COM INC COM 023135106 3,820 1,385 SH   SOLE NONE 1,385 0 0
AMERICAN ELEC PWR CO INC COM COM 025537101 1,777 22,315 SH   SOLE NONE 22,315 0 0
AMERICAN EXPRESS CO COM USD0.20 COM 025816109 238 2,504 SH   SOLE NONE 2,504 0 0
AMERICAN TOWER CORP COM USD0.01 COM 03027X100 453 1,755 SH   SOLE NONE 1,755 0 0
AMGEN INC COM 031162100 1,079 4,575 SH   SOLE NONE 4,575 0 0
ANTHEM INC COM COM 036752103 231 881 SH   SOLE NONE 881 0 0
APPLE INC COM USD0.00001 COM 037833100 9,064 24,847 SH   SOLE NONE 24,847 0 0
ASML HOLDING NV EUR0.09 NY REGISTRY SHS 2012 N Y REGISTRY SHS N07059210 200 544 SH   SOLE NONE 544 0 0
ASTRAZENECA ADR EACH REP 1 ORD USD0.25 MGT SPONSORED ADR 046353108 2,130 40,281 SH   SOLE NONE 40,281 0 0
AT&T INC COM USD1 COM 00206R102 806 26,675 SH   SOLE NONE 26,675 0 0
AUTOMATIC DATA PROCESSING INC COM USD0.10 COM 053015103 410 2,756 SH   SOLE NONE 2,756 0 0
BANK OF NOVA SCOTIA COM NPV ISIN #CA0641491075 SEDOL #2076281 COM 064149107 225 5,458 SH   SOLE NONE 5,458 0 0
BERKSHIRE HATHAWAY INC DEL CL A FRMLY COMMON CL A 084670108 267 1 SH   SOLE NONE 1 0 0
BJS WHSL CLUB HLDGS INC COM COM 05550J101 213 5,735 SH   SOLE NONE 5,735 0 0
BK OF AMERICA CORP COM COM 060505104 719 30,293 SH   SOLE NONE 30,293 0 0
BLACKROCK INC COM USD0.01 COM 09247X101 350 645 SH   SOLE NONE 645 0 0
BLACKROCK MUNIYIELD PA QUALITY FD INC COM COM 09255G107 313 23,112 SH   SOLE NONE 23,112 0 0
BLACKSTONE GROUP INC COM CL A COM CL A 09260D107 922 16,283 SH   SOLE NONE 16,283 0 0
BOEING CO COM USD5.00 COM 097023105 789 4,307 SH   SOLE NONE 4,307 0 0
BRISTOL-MYERS SQUIBB CO COM COM 110122108 476 8,102 SH   SOLE NONE 8,102 0 0
BROADCOM INC COM COM 11135F101 595 1,888 SH   SOLE NONE 1,888 0 0
CATALENT INC COM COM 148806102 228 3,119 SH   SOLE NONE 3,119 0 0
CHARLES RIV LABORATORIES INTL INC COM 159864107 209 1,202 SH   SOLE NONE 1,202 0 0
CHEMOURS CO COM COM 163851108 514 33,544 SH   SOLE NONE 33,544 0 0
CHEVRON CORP NEW COM COM 166764100 749 8,396 SH   SOLE NONE 8,396 0 0
CISCO SYS INC COM COM 17275R102 1,096 23,500 SH   SOLE NONE 23,500 0 0
CITIGROUP INC COM NEW COM NEW 172967424 450 8,816 SH   SOLE NONE 8,816 0 0
CME GROUP INC COM COM 12572Q105 1,217 7,492 SH   SOLE NONE 7,492 0 0
COCA COLA CO COM 191216100 995 22,277 SH   SOLE NONE 22,277 0 0
COCA-COLA FEMSA S.A.B. DE C.V. ADS EA REP 10 UNTS(3 SER B SHS &5 SER L SPONSORD ADR REP 191241108 230 5,246 SH   SOLE NONE 5,246 0 0
COLGATE-PALMOLIVE CO COM USD1.00 COM 194162103 439 5,994 SH   SOLE NONE 5,994 0 0
COMCAST CORP NEW CL A CL A 20030N101 218 5,608 SH   SOLE NONE 5,608 0 0
CONOCOPHILLIPS COM COM 20825C104 391 9,324 SH   SOLE NONE 9,324 0 0
CORTEVA INC COM COM 22052L104 1,752 65,416 SH   SOLE NONE 65,416 0 0
COSTCO WHOLESALE CORP COM USD0.01 COM 22160K105 287 947 SH   SOLE NONE 947 0 0
CROWN CASTLE INTL CORP NEW COM ISIN #US22822V1017 SEDOL #BTGQCX1 COM 22822V101 626 3,742 SH   SOLE NONE 3,742 0 0
CSX CORP COM USD1 COM 126408103 383 5,601 SH   SOLE NONE 5,601 0 0
CYRUSONE INC COM USD0.01 COM 23283R100 248 3,416 SH   SOLE NONE 3,416 0 0
DANAHER CORPORATION COM COM 235851102 220 1,247 SH   SOLE NONE 1,247 0 0
DIGITAL RLTY TR INC COM COM 253868103 995 7,002 SH   SOLE NONE 7,002 0 0
DISNEY WALT CO COM DISNEY 254687106 761 6,829 SH   SOLE NONE 6,829 0 0
DOMINION ENERGY INC COM COM 25746U109 602 7,424 SH   SOLE NONE 7,424 0 0
DOW INC COM COM 260557103 2,401 58,913 SH   SOLE NONE 58,913 0 0
DUKE ENERGY CORP NEW COM NEW ISIN #US26441C2044 SEDOL #B7JZSK0 COM NEW 26441C204 239 2,999 SH   SOLE NONE 2,999 0 0
DUPONT DE NEMOURS INC COM COM 26614N102 2,970 55,908 SH   SOLE NONE 55,908 0 0
ELI LILLY AND CO COM COM 532457108 1,099 6,697 SH   SOLE NONE 6,697 0 0
EMERSON ELECTRIC CO COM 291011104 514 8,290 SH   SOLE NONE 8,290 0 0
ESTEE LAUDER COMPANIES INC COM USD0.01 CLASS A CL A 518439104 246 1,307 SH   SOLE NONE 1,307 0 0
EXELON CORP COM NPV COM 30161N101 719 19,836 SH   SOLE NONE 19,836 0 0
EXXON MOBIL CORP COM 30231G102 1,499 33,530 SH   SOLE NONE 33,530 0 0
FACEBOOK INC-CLASS A CL A 30303M102 1,201 5,293 SH   SOLE NONE 5,293 0 0
FIRST TR EXCHANGE TRADED FD DOW JONES INTERNET INDEX FD DJ INTERNT IDX 33733E302 385 2,258 SH   SOLE NONE 2,258 0 0
FIRST TR EXCHANGE TRADED FD VI MULTI ASSET DIVERSIFIED INCOME INDEX FD MULTI ASSET DI 33738R100 199 14,542 SH   SOLE NONE 14,542 0 0
FIRST TRUST CLOUD COMPUTING ETF CLOUD COMPUTING 33734X192 268 3,598 SH   SOLE NONE 3,598 0 0
FORD MTR CO DEL COM COM 345370860 129 21,333 SH   SOLE NONE 21,333 0 0
FRANKLIN TEMPLETON ETF TR FTSE EUROPE FTSE EUROPE 35473P652 1,075 49,072 SH   SOLE NONE 49,072 0 0
GENERAC HLDGS INC COM USD0.01 COM 368736104 201 1,653 SH   SOLE NONE 1,653 0 0
GENERAL DYNAMICS CORP COM USD1.00 COM 369550108 260 1,745 SH   SOLE NONE 1,745 0 0
GENERAL ELECTRIC CO COM USD0.06 COM 369604103 253 37,115 SH   SOLE NONE 37,115 0 0
GENERAL MILLS INC COM USD0.10 COM 370334104 339 5,501 SH   SOLE NONE 5,501 0 0
GLAXOSMITHKLINE PLC SPONSORED ADR SPONSORED ADR 37733W105 261 6,417 SH   SOLE NONE 6,417 0 0
GLOBAL X FDS MSCI SUPR EM ETF MSCI SUPR EM ETF 37950E119 1,167 115,601 SH   SOLE NONE 115,601 0 0
GOLDMAN SACHS ETF TR ACTIVEBETA EME ACTIVEBETA EME 381430206 304 10,065 SH   SOLE NONE 10,065 0 0
GRANITESHARES GOLD TR SHS BEN INT SHS BEN INT 38748G101 426 24,025 SH   SOLE NONE 24,025 0 0
HELEN OF TROY CORP COM STK USD0.10 COM G4388N106 212 1,129 SH   SOLE NONE 1,129 0 0
HOME DEPOT INC COM COM 437076102 540 2,157 SH   SOLE NONE 2,157 0 0
HONDA MOTOR LTD AMERN SHS AMERN SHS 438128308 258 10,098 SH   SOLE NONE 10,098 0 0
HONEYWELL INTERNATIONAL INC COM USD1 COM 438516106 381 2,639 SH   SOLE NONE 2,639 0 0
INTEL CORP COM USD0.001 COM 458140100 1,698 28,380 SH   SOLE NONE 28,380 0 0
INVESCO EXCH TRADED FD TR II CHINA TECHNLGY CHINA TECHNLGY 46138E800 1,084 17,090 SH   SOLE NONE 17,090 0 0
INVESCO EXCH TRADED FD TR II PFD ETF PFD ETF 46138E511 206 14,624 SH   SOLE NONE 14,624 0 0
INVESCO EXCHANGE TRADED FD TR INTL DIVI ACHI INTL DIVI ACHI 46137V548 938 77,145 SH   SOLE NONE 77,145 0 0
INVESCO EXCHANGE TRADED FD TR S&P 500 TOP 50 S&P 500 TOP 50 46137V233 452 1,900 SH   SOLE NONE 1,900 0 0
INVESCO EXCHANGE TRADED FD TR S&P500 EQL WGT S&P500 EQL WGT 46137V357 654 6,429 SH   SOLE NONE 6,429 0 0
INVESCO QQQ TR UNIT SER 1 UNIT SER 1 46090E103 3,859 15,585 SH   SOLE NONE 15,585 0 0
ISHARES CORE 1-5 YEAR USD BOND ETF CORE 1 5 YR USD 46432F859 543 10,562 SH   SOLE NONE 10,562 0 0
ISHARES CORE AGGRESSIVE ALLOCATION ETF AGGRES ALLOC ETF 464289859 248 4,522 SH   SOLE NONE 4,522 0 0
ISHARES CORE GROWTH ALLOCATION ETF GRWT ALLOCAT ETF 464289867 226 4,889 SH   SOLE NONE 4,889 0 0
ISHARES CORE S&P 500 ETF CORE S&P500 ETF 464287200 1,256 4,055 SH   SOLE NONE 4,055 0 0
ISHARES CORE S&P SMALL-CAP E CORE S&P SCP ETF 464287804 423 6,200 SH   SOLE NONE 6,200 0 0
ISHARES EDGE MSCI INTERNATIONAL MOMENTUM FACTOR ETF INTL MOMENTUM FT 46434V449 849 27,074 SH   SOLE NONE 27,074 0 0
ISHARES EDGE MSCI MIN VOL EAFE ETF MIN VOL EAFE ETF 46429B689 596 9,031 SH   SOLE NONE 9,031 0 0
ISHARES EDGE MSCI MIN VOL USA ETF MSCI MIN VOL ETF 46429B697 3,331 54,543 SH   SOLE NONE 54,543 0 0
ISHARES EDGE MSCI USA MOMENTUM FACTOR ETF USA MOMENTUM FCT 46432F396 258 1,974 SH   SOLE NONE 1,974 0 0
ISHARES GOLD TRUST ISHARES ISIN #US4642851053 SEDOL B0SF3S5 ISHARES 464285105 24,029 1,413,870 SH   SOLE NONE 1,413,870 0 0
ISHARES IBONDS DEC 2020 TERM CORPORATE ETF IBONDS DEC20 ETF 46434VAQ3 448 17,705 SH   SOLE NONE 17,705 0 0
ISHARES IBONDS DEC 2021 TERM CORPORATE ETF IBONDS DEC21 ETF 46434VBK5 471 18,767 SH   SOLE NONE 18,767 0 0
ISHARES IBONDS DEC 2021 TERM MUNI BOND ETF IBONDS DEC2021 46435G789 1,472 56,778 SH   SOLE NONE 56,778 0 0
ISHARES IBONDS DEC 2022 TERM CORPORATE ETF IBONDS DEC22 ETF 46434VBA7 253 9,877 SH   SOLE NONE 9,877 0 0
ISHARES IBONDS DEC 2022 TERM MUNI BOND ETF IBONDS DEC2022 46435G755 1,491 56,472 SH   SOLE NONE 56,472 0 0
ISHARES IBONDS SEP 2020 TERM MUNI BOND ETF IBONDS SEP2020 46434V571 2,981 116,976 SH   SOLE NONE 116,976 0 0
ISHARES INC CORE MSCI EMERGING MKTS ETF CORE MSCI EMKT 46434G103 2,985 62,723 SH   SOLE NONE 62,723 0 0
ISHARES INC EM MKTS DIV ETF EM MKTS DIV ETF 464286319 691 22,068 SH   SOLE NONE 22,068 0 0
ISHARES INC MSCI JPN ETF NEW MSCI JPN ETF NEW 46434G822 728 13,272 SH   SOLE NONE 13,272 0 0
ISHARES INC MSCI PAC JP ETF MSCI PAC JP ETF 464286665 442 11,133 SH   SOLE NONE 11,133 0 0
ISHARES NATIONAL MUNI BOND ETF NATIONAL MUN ETF 464288414 8,122 69,657 SH   SOLE NONE 69,657 0 0
ISHARES RUSSELL 1000 ETF RUS 1000 ETF 464287622 558 3,256 SH   SOLE NONE 3,256 0 0
ISHARES RUSSELL 1000 GROWTH ETF RUS 1000 GRW ETF 464287614 325 1,695 SH   SOLE NONE 1,695 0 0
ISHARES S&P 500 GROWTH ETF S&P 500 GRWT ETF 464287309 571 2,753 SH   SOLE NONE 2,753 0 0
ISHARES S&P MID CAP 400 GROWTH ETF S&P MC 400GR ETF 464287606 728 3,250 SH   SOLE NONE 3,250 0 0
ISHARES SHORT-TERM NATIONAL MUNI BOND ETF SHRT NAT MUN ETF 464288158 3,925 35,937 SH   SOLE NONE 35,937 0 0
ISHARES TR CORE MSCI TOTAL CORE MSCI TOTAL 46432F834 2,171 39,837 SH   SOLE NONE 39,837 0 0
ISHARES TR ESG MSCI EAFE ESG MSCI EAFE 46435G516 224 3,610 SH   SOLE NONE 3,610 0 0
ISHARES TR IBDS DEC28 ETF IBDS DEC28 ETF 46435U515 12,384 429,242 SH   SOLE NONE 429,242 0 0
ISHARES TR IBONDS 27 ETF IBONDS 27 ETF 46435UAA9 12,463 462,108 SH   SOLE NONE 462,108 0 0
ISHARES TR IBONDS DEC 2024 TERM MUNI BD ETF IBONDS DEC 46435U697 551 20,437 SH   SOLE NONE 20,437 0 0
ISHARES TR IBONDS DEC 2026 TERM CORP ETF IBONDS DEC2026 46435GAA0 12,375 463,631 SH   SOLE NONE 463,631 0 0
ISHARES TR IBONDS DEC 25 IBONDS DEC 25 46435U432 217 7,787 SH   SOLE NONE 7,787 0 0
ISHARES TR IBONDS DEC2023 TERM MUNI BD ETF IBONDS DEC2023 46435G318 1,331 50,751 SH   SOLE NONE 50,751 0 0
ISHARES TR INTL DIV GRWTH INTL DIV GRWTH 46435G524 1,435 27,919 SH   SOLE NONE 27,919 0 0
ISHARES TR INTL SEL DIV ETF INTL SEL DIV ETF 464288448 1,685 67,094 SH   SOLE NONE 67,094 0 0
ISHARES TR MBS ETF MBS ETF 464288588 18,701 168,867 SH   SOLE NONE 168,867 0 0
ISHARES TR MSCI CHINA ETF MSCI CHINA ETF 46429B671 301 4,599 SH   SOLE NONE 4,599 0 0
ISHARES TR NASDAQ BIOTECH NASDAQ BIOTECH 464287556 1,433 10,450 SH   SOLE NONE 10,450 0 0
ISHARES TRUST 0-5YR HIGH YIELD CORP BD ISIN #US46434V4077 SEDOL #BFS2LL0 0-5YR HI YL CP 46434V407 705 16,460 SH   SOLE NONE 16,460 0 0
ISHARES TRUST CORE DIVID GWTH CORE DIV GRWTH 46434V621 495 13,170 SH   SOLE NONE 13,170 0 0
ISHARES TRUST CORE MSCI EUROPE CORE MSCI EURO 46434V738 816 19,089 SH   SOLE NONE 19,089 0 0
ISHARES TRUST GLOBAL REIT ETF GLOBAL REIT ETF 46434V647 7,180 343,730 SH   SOLE NONE 343,730 0 0
ISHARES TRUST ISHARES CORE HIGH DIVIDEND CORE HIGH DV ETF 46429B663 2,774 34,188 SH   SOLE NONE 34,188 0 0
ISHARES TRUST ISHARES CORE MSCI CORE MSCI PAC 46434V696 752 14,277 SH   SOLE NONE 14,277 0 0
J P MORGAN EXCHANGE-TRADED FD BETBULD EUROPE BETBULD EUROPE 46641Q720 2,637 117,413 SH   SOLE NONE 117,413 0 0
JOHNSON &JOHNSON COM USD1.00 COM 478160104 1,608 11,437 SH   SOLE NONE 11,437 0 0
JPMORGAN CHASE & CO COM USD1.00 COM 46625H100 2,299 24,447 SH   SOLE NONE 24,447 0 0
KIMBERLY CLARK CORP COM USD1.25 COM 494368103 474 3,357 SH   SOLE NONE 3,357 0 0
KINDER MORGAN INC COM USD0.01 COM 49456B101 232 15,352 SH   SOLE NONE 15,352 0 0
KRANESHARES TR CSI CHINA INTERNET ETF CSI CHI INTERNET 500767306 628 10,153 SH   SOLE NONE 10,153 0 0
KT CORP SPONSORED ADR SPONSORED ADR 48268K101 237 24,403 SH   SOLE NONE 24,403 0 0
LHC GROUP INC COM COM 50187A107 201 1,154 SH   SOLE NONE 1,154 0 0
LOCKHEED MARTIN CORP COM USD1.00 COM 539830109 1,623 4,448 SH   SOLE NONE 4,448 0 0
LULULEMON ATHLETICA INC COM USD0.005 COM 550021109 217 697 SH   SOLE NONE 697 0 0
MASTERCARD INCORPORATED CL A CL A 57636Q104 270 916 SH   SOLE NONE 916 0 0
MCDONALDS CORP COM 580135101 1,857 10,071 SH   SOLE NONE 10,071 0 0
MERCK &CO. INC COM COM 58933Y105 1,423 18,412 SH   SOLE NONE 18,412 0 0
MICROSOFT CORP COM 594918104 4,288 21,139 SH   SOLE NONE 21,139 0 0
NETEASE INC ADS EACH REPR 25 COM STK USD0.0001 SPONSORED ADS 64110W102 404 941 SH   SOLE NONE 941 0 0
NETFLIX COM INC COM COM 64110L106 623 1,370 SH   SOLE NONE 1,370 0 0
NEXTERA ENERGY INC COM USD0.01 COM 65339F101 770 3,210 SH   SOLE NONE 3,210 0 0
NORFOLK SOUTHERN CORP COM USD1 COM 655844108 229 1,305 SH   SOLE NONE 1,305 0 0
NOVARTIS AG SPONSORED ADR SPONSORED ADR 66987V109 420 4,811 SH   SOLE NONE 4,811 0 0
NOVO NORDISK A/S ADR-EACH CNV INTO 1 CLASS B DKK1 ADR 670100205 392 5,988 SH   SOLE NONE 5,988 0 0
NUVEEN PA MUN VALUE FUND COMMON SHARES OF BEN INT USD0.01 COM 67074K105 140 10,313 SH   SOLE NONE 10,313 0 0
NUVEEN PENNSYLVANIA QLT MUN FD COM COM 670972108 185 13,673 SH   SOLE NONE 13,673 0 0
NVIDIA CORPORATION COM COM 67066G104 732 1,928 SH   SOLE NONE 1,928 0 0
ORACLE CORP COM COM 68389X105 223 4,043 SH   SOLE NONE 4,043 0 0
PACCAR INC COM USD1.00 COM 693718108 582 7,785 SH   SOLE NONE 7,785 0 0
PACKAGING CORP OF AMERICA COM USD0.01 COM 695156109 229 2,299 SH   SOLE NONE 2,299 0 0
PATTERSON COS INC COM COM 703395103 201 9,141 SH   SOLE NONE 9,141 0 0
PAYPAL HLDGS INC COM COM 70450Y103 351 2,017 SH   SOLE NONE 2,017 0 0
PENSKE AUTOMOTIVE GROUP INC COM 70959W103 212 5,486 SH   SOLE NONE 5,486 0 0
PEPSICO INC COM 713448108 1,950 14,749 SH   SOLE NONE 14,749 0 0
PFIZER INC COM 717081103 1,443 44,149 SH   SOLE NONE 44,149 0 0
PHILIP MORRIS INTERNATIONAL INC COM NPV COM 718172109 228 3,266 SH   SOLE NONE 3,266 0 0
PHILLIPS 66 COM COM 718546104 452 6,296 SH   SOLE NONE 6,296 0 0
PNC FINANCIAL SERVICES GROUP COM USD5 COM 693475105 981 9,325 SH   SOLE NONE 9,325 0 0
PPG INDUSTRIES INC COM USD1.666 COM 693506107 245 2,317 SH   SOLE NONE 2,317 0 0
PROCTER AND GAMBLE CO COM COM 742718109 1,827 15,288 SH   SOLE NONE 15,288 0 0
PROSHARES TRUST S&P 500 DIVID ARISTOCRATS ETF S&P 500 DV ARIST 74348A467 201 2,987 SH   SOLE NONE 2,987 0 0
PRUDENTIAL ADR EACH REPR 2 ORD GBP0.05 ADR 74435K204 260 8,566 SH   SOLE NONE 8,566 0 0
PUBLIC SVC ENTERPRISE GRP INC COM COM 744573106 259 5,275 SH   SOLE NONE 5,275 0 0
RADIAN GROUP INC COM USD0.001 COM 750236101 164 10,617 SH   SOLE NONE 10,617 0 0
RAYTHEON TECHNOLOGIES CORP COM COM 75513E101 599 9,733 SH   SOLE NONE 9,733 0 0
ROBERT HALF INTL INC COM 770323103 209 3,968 SH   SOLE NONE 3,968 0 0
ROYAL BANK OF CANADA MONTREAL QUE COM NPV ISIN #CA7800871021 SEDOL #2754383 COM 780087102 261 3,850 SH   SOLE NONE 3,850 0 0
SALESFORCE.COM INC COM USD0.001 COM 79466L302 521 2,785 SH   SOLE NONE 2,785 0 0
SANOFI SPONSORED ADR SPONSORED ADR 80105N105 304 5,967 SH   SOLE NONE 5,967 0 0
SAP SE SPON ADR SPON ADR 803054204 236 1,689 SH   SOLE NONE 1,689 0 0
SCHWAB STRATEGIC TR EMERGING MKTS EQUITY ETF EMRG MKTEQ ETF 808524706 14,575 598,491 SH   SOLE NONE 598,491 0 0
SCHWAB STRATEGIC TR INTL EQUITY ETF INTL EQTY ETF 808524805 15,951 536,098 SH   SOLE NONE 536,098 0 0
SCHWAB STRATEGIC TR SHORT-TERM US TREASURY ETF SHT TM US TRES 808524862 37,601 727,958 SH   SOLE NONE 727,958 0 0
SCHWAB STRATEGIC TR US TIPS ETF US TIPS ETF 808524870 24,941 415,368 SH   SOLE NONE 415,368 0 0
SCOTTS MIRACLE-GRO CO CL A 810186106 201 1,496 SH   SOLE NONE 1,496 0 0
SECTOR SPDR TR SHS BEN INT INDUSTRIAL SBI INT-INDS 81369Y704 1,052 15,322 SH   SOLE NONE 15,322 0 0
SELECT SECTOR SPDR TR COMMUNICATION COMMUNICATION 81369Y852 251 4,660 SH   SOLE NONE 4,660 0 0
SELECT SECTOR SPDR TR CONSUMER DISCRETIONARY FORMERLY CYCLICAL/ TRANSN TO 06/24/2002 SBI CONS DISCR 81369Y407 2,961 23,086 SH   SOLE NONE 23,086 0 0
SELECT SECTOR SPDR TR HEALTH CARE FORMERLY CONSUMER SVCS TO 06/24/2002 SBI HEALTHCARE 81369Y209 3,921 38,931 SH   SOLE NONE 38,931 0 0
SELECT SECTOR SPDR TR SHS BEN INT MATERIALS SBI MATERIALS 81369Y100 548 9,657 SH   SOLE NONE 9,657 0 0
SELECT SECTOR SPDR TRUST AMEX FINANCIAL SELECT INDEX USD DIS SBI INT-FINL 81369Y605 8,140 350,807 SH   SOLE NONE 350,807 0 0
SELECT SECTOR SPDR TRUST TECHNOLOGY SELECT SECTOR USD DIS TECHNOLOGY 81369Y803 767 7,345 SH   SOLE NONE 7,345 0 0
SK TELECOM LTD SPONSORED ADR SPONSORED ADR 78440P108 252 13,067 SH   SOLE NONE 13,067 0 0
SPDR BLACKSTONE/GSO SEN LOAN BLKSTN GSOSRLN 78467V608 215 4,976 SH   SOLE NONE 4,976 0 0
SPDR INDEX SHS FDS S&P INTL DIVIDEND ETF S&P INTL ETF 78463X772 2,493 75,265 SH   SOLE NONE 75,265 0 0
SPDR S&P500 ETF TRUST TRUST UNIT DEPOSITARY RECEIPT TR UNIT 78462F103 1,954 6,339 SH   SOLE NONE 6,339 0 0
SPDR SER TR S&P DIVID ETF S&P DIVID ETF 78464A763 206 2,265 SH   SOLE NONE 2,265 0 0
SPDR SERIES TRUST S&P 600 SMCP VAL S&P 600 SMCP VAL 78464A300 3,731 75,957 SH   SOLE NONE 75,957 0 0
STARBUCKS CORP COM USD0.001 COM 855244109 389 5,294 SH   SOLE NONE 5,294 0 0
SUMITOMO MITSUI FINL GROUP INC SPONSORED ADR SPONSORED ADR 86562M209 243 43,373 SH   SOLE NONE 43,373 0 0
TAIWAN SEMICONDUCTOR MANUFACTURING SPON ADS EACH REP 5 ORD TWD10 SPONSORED ADS 874039100 413 7,285 SH   SOLE NONE 7,285 0 0
TARGET CORP COM COM 87612E106 503 4,195 SH   SOLE NONE 4,195 0 0
TEXAS INSTRUMENTS INC COM USD1.00 COM 882508104 414 3,264 SH   SOLE NONE 3,264 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102 583 1,609 SH   SOLE NONE 1,609 0 0
THOMSON-REUTERS CORP COM NPV(POST REV SPLIT) ISIN #CA8849037095 SEDOL #BFXPTB0 COM NEW 884903709 293 4,323 SH   SOLE NONE 4,323 0 0
TIM PARTICIPACOES SA SPON ADR EACH REP 5 ORD SHS SPONSORED ADR 88706P205 217 16,832 SH   SOLE NONE 16,832 0 0
TORONTO DOMINION BANK ONT COM NPV ISIN #CA8911605092 SEDOL #2897222 COM NEW 891160509 472 10,580 SH   SOLE NONE 10,580 0 0
TOTAL SA SPON ADS EA REP 1 ORD SHS SPONSORED ADS 89151E109 256 6,659 SH   SOLE NONE 6,659 0 0
TOYOTA MOTOR CORP SP ADR REP2COM SP ADR REP2COM 892331307 300 2,391 SH   SOLE NONE 2,391 0 0
UNION PAC CORP COM COM 907818108 652 3,856 SH   SOLE NONE 3,856 0 0
UNITED PARCEL SVC INC CL B CL B 911312106 206 1,859 SH   SOLE NONE 1,859 0 0
UNITEDHEALTH GROUP COM 91324P102 551 1,870 SH   SOLE NONE 1,870 0 0
VANECK VECTORS ETF TR AMT FREE INT ETF AMT FREE INT ETF 92189H201 4,036 78,152 SH   SOLE NONE 78,152 0 0
VANECK VECTORS ETF TR HIGH YLD MUN ETF HIGH YLD MUN ETF 92189H409 1,385 23,371 SH   SOLE NONE 23,371 0 0
VANECK VECTORS ETF TR JP MORGAN MKTS JP MORGAN MKTS 92189H300 315 10,269 SH   SOLE NONE 10,269 0 0
VANECK VECTORS ETF TR SHORT HIGH YIELD SHORT HIGH YIELD 92189F387 292 12,289 SH   SOLE NONE 12,289 0 0
VANGUARD CHARLOTTE TOTAL INTL BD INDEX FD ETF INTL BD IDX ETF 92203J407 6,124 106,049 SH   SOLE NONE 106,049 0 0
VANGUARD INDEX FDS VANGUARD GROWTH ETF FORMERLY VANGUARD INDEX TR VIPERS GROWTH ETF 922908736 1,452 7,186 SH   SOLE NONE 7,186 0 0
VANGUARD INDEX FDS VANGUARD LARGE CAP VIPERS FORMERLY VANGUARD INDEX TR LARGE CAP ETF 922908637 684 4,789 SH   SOLE NONE 4,789 0 0
VANGUARD INDEX FDS VANGUARD SMALL CAP GROWTH VIPERS FORMERLY VANGUARD INDEX TR SML CP GRW ETF 922908595 338 1,694 SH   SOLE NONE 1,694 0 0
VANGUARD INDEX FDS VANGUARD SMALL CAP VALUE VIPERS FORMERLY VANGUARD INDEX TR SM CP VAL ETF 922908611 3,282 30,696 SH   SOLE NONE 30,696 0 0
VANGUARD INDEX FDS VANGUARD TOTAL STK MKT ETF TOTAL STK MKT 922908769 1,857 11,774 SH   SOLE NONE 11,774 0 0
VANGUARD INDEX FUNDS S&P 500 ETF USD S&P 500 ETF SHS 922908363 225 796 SH   SOLE NONE 796 0 0
VANGUARD INTL EQUITY INDEX FDS FTSE EMR MKT ETF FTSE EMR MKT ETF 922042858 2,888 72,227 SH   SOLE NONE 72,227 0 0
VANGUARD INTL EQUITY INDEX FDS FTSE EUROPE ETF FTSE EUROPE ETF 922042874 913 18,143 SH   SOLE NONE 18,143 0 0
VANGUARD INTL EQUITY INDEX FDS FTSE PACIFIC ETF FTSE PACIFIC ETF 922042866 2,295 35,747 SH   SOLE NONE 35,747 0 0
VANGUARD INTL EQUITY INDEX FDS FTSE SMCAP ETF FTSE SMCAP ETF 922042718 3,545 36,699 SH   SOLE NONE 36,699 0 0
VANGUARD INTL EQUITY INDEX FDS TT WRLD ST ETF TT WRLD ST ETF 922042742 201 2,687 SH   SOLE NONE 2,687 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD TAX EXEMPT BD 922907746 405 7,487 SH   SOLE NONE 7,487 0 0
VANGUARD S&P SMALL-CAP 600 V SMLCP 600 VAL 921932778 1,433 13,685 SH   SOLE NONE 13,685 0 0
VANGUARD SCOTTSDALE FDS VANGUARD RUSSELL VNG RUS1000GRW 92206C680 263 1,335 SH   SOLE NONE 1,335 0 0
VANGUARD SECTOR INDEX FDS VANGUARD CONSUMER DISCRETIONARY VIPERS CONSUM DIS ETF 92204A108 10,482 52,402 SH   SOLE NONE 52,402 0 0
VANGUARD SECTOR INDEX FDS VANGUARD FINLS VIPERS FINANCIALS ETF 92204A405 559 9,773 SH   SOLE NONE 9,773 0 0
VANGUARD SECTOR INDEX FDS VANGUARD HEALTH CARE VIPERS HEALTH CAR ETF 92204A504 24,594 127,638 SH   SOLE NONE 127,638 0 0
VANGUARD SECTOR INDEX FDS VANGUARD INDLS VIPERS INDUSTRIAL ETF 92204A603 12,197 93,731 SH   SOLE NONE 93,731 0 0
VANGUARD SECTOR INDEX FDS VANGUARD MATLS VIPERS MATERIALS ETF 92204A801 214 1,774 SH   SOLE NONE 1,774 0 0
VANGUARD SECTOR INDEX FDS VANGUARD UTILS VIPERS UTILITIES ETF 92204A876 4,610 37,274 SH   SOLE NONE 37,274 0 0
VANGUARD STAR FD TOTAL INTL STOCK INDEX FD ETF SHS VG TL INTL STK F 921909768 348 7,079 SH   SOLE NONE 7,079 0 0
VANGUARD TAX-MANAGED FDS FTSE DEV MKT ETF FTSE DEV MKT ETF 921943858 228 5,900 SH   SOLE NONE 5,900 0 0
VANGUARD WHITEHALL FDS EMERG MKT BD ETF EMERG MKT BD ETF 921946885 431 5,554 SH   SOLE NONE 5,554 0 0
VANGUARD WHITEHALL FDS HIGH DIV YLD HIGH DIV YLD 921946406 1,336 16,966 SH   SOLE NONE 16,966 0 0
VANGUARD WHITEHALL FDS INTL DVD ETF INTL DVD ETF 921946810 32,494 484,329 SH   SOLE NONE 484,329 0 0
VANGUARD WORLD FD ESG US STK ETF ESG US STK ETF 921910733 772 13,375 SH   SOLE NONE 13,375 0 0
VANGUARD WORLD FDS COMM SRVC ETF COMM SRVC ETF 92204A884 15,010 161,192 SH   SOLE NONE 161,192 0 0
VANGUARD WORLD FDS VANGUARD CONSUMER STAPLES ETF CONSUM STP ETF 92204A207 11,943 79,835 SH   SOLE NONE 79,835 0 0
VANGUARD WORLD FDS VANGUARD INFORMATION TECHNOLOGY ETF INF TECH ETF 92204A702 43,585 156,248 SH   SOLE NONE 156,248 0 0
VERIZON COMMUNICATIONS COM 92343V104 2,243 40,730 SH   SOLE NONE 40,730 0 0
VISA INC COM CL A COM CL A 92826C839 1,019 5,278 SH   SOLE NONE 5,278 0 0
WALMART INC COM COM 931142103 501 4,184 SH   SOLE NONE 4,184 0 0
WEC ENERGY GROUP INC COM COM 92939U106 379 4,329 SH   SOLE NONE 4,329 0 0
WISDOMTREE TR EMERGING MKTS HIGH DIVID FD EMER MKT HIGH FD 97717W315 1,289 35,687 SH   SOLE NONE 35,687 0 0
ZENDESK INC COM USD0.01 COM 98936J101 203 2,302 SH   SOLE NONE 2,302 0 0
ZOETIS INC COM USD0.01 CL A CL A 98978V103 371 2,710 SH   SOLE NONE 2,710 0 0