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 CO COM 88579Y101 77 442 SH   SOLE   0 0 442
3M CO COM 88579Y101 34 197 SH   DFND 1 0 0 197
ABBOTT LABS COM 002824100 761 6,947 SH   SOLE   0 0 6,947
ABBOTT LABS COM 002824100 40 362 SH   DFND 1 0 0 362
ABBVIE INC COM 00287Y109 25 229 SH   SOLE   0 0 229
ABBVIE INC COM 00287Y109 40 373 SH   DFND 1 0 0 373
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 27 104 SH   DFND 1 0 0 104
ADOBE SYSTEMS INCORPORATED COM 00724F101 115 230 SH   DFND 1 0 0 230
AES CORP COM 00130H105 78 3,301 SH   SOLE   0 0 3,301
AFLAC INC COM 001055102 20 458 SH   SOLE   0 0 458
ALIBABA GROUP HLDG LTD SPONSORED ADS 01609W102 219 939 SH   SOLE   0 0 939
ALIBABA GROUP HLDG LTD SPONSORED ADS 01609W102 37 160 SH   DFND 1 0 0 160
ALPHABET INC CAP STK CL A 02079K305 245 140 SH   SOLE   0 0 140
ALPHABET INC CAP STK CL A 02079K305 119 68 SH   DFND 1 0 0 68
ALPHABET INC CAP STK CL C 02079K107 77 44 SH   SOLE   0 0 44
ALPHABET INC CAP STK CL C 02079K107 110 63 SH   DFND 1 0 0 63
ALTRIA GROUP INC COM 02209S103 195 4,758 SH   SOLE   0 0 4,758
AMAZON COM INC COM 023135106 378 116 SH   SOLE   0 0 116
AMAZON COM INC COM 023135106 300 92 SH   DFND 1 0 0 92
AMERICA MOVIL SAB DE CV SPON ADR L SHS 02364W105 33 2,256 SH   SOLE   0 0 2,256
AMERICAN EXPRESS CO COM 025816109 20 162 SH   DFND 1 0 0 162
AMGEN INC COM 031162100 87 380 SH   SOLE   0 0 380
AMGEN INC COM 031162100 26 114 SH   DFND 1 0 0 114
APPLE INC COM 037833100 2,593 19,543 SH   SOLE   0 0 19,543
APPLE INC COM 037833100 497 3,748 SH   DFND 1 0 0 3,748
APPLIED MATLS INC COM 038222105 23 267 SH   DFND 1 0 0 267
ARES CAPITAL CORP COM 04010L103 107 6,334 SH   SOLE   0 0 6,334
AT&T INC COM 00206R102 325 11,291 SH   SOLE   0 0 11,291
AT&T INC COM 00206R102 22 772 SH   DFND 1 0 0 772
AUTOMATIC DATA PROCESSING IN COM 053015103 71 403 SH   SOLE   0 0 403
AZEK CO INC CL A 05478C105 22 575 SH   SOLE   0 0 575
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 703 3,031 SH   SOLE 1 0 0 3,031
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 75 320 SH   DFND 1 0 0 320
BK OF AMERICA CORP COM 060505104 69 2,277 SH   DFND 1 0 0 2,277
BOEING CO COM 097023105 263 1,230 SH   SOLE   0 0 1,230
BRISTOL-MYERS SQUIBB CO COM 110122108 31 500 SH   DFND 1 0 0 500
BRIXMOR PPTY GROUP INC COM 11120U105 23 1,363 SH   SOLE   0 0 1,363
BROADCOM INC COM 11135F101 25 56 SH   DFND 1 0 0 56
CADENCE DESIGN SYSTEM INC COM 127387108 24 175 SH   DFND 1 0 0 175
CANOPY GROWTH CORP COM 138035100 26 1,054 SH   SOLE   0 0 1,054
CARDIOVASCULAR SYS INC DEL COM 141619106 47 1,073 SH   SOLE   0 0 1,073
CARNIVAL CORP UNIT 99/99/9999 143658300 30 1,371 SH   SOLE   0 0 1,371
CARRIER GLOBAL CORPORATION COM 14448C104 49 1,289 SH   SOLE   0 0 1,289
CATERPILLAR INC COM 149123101 22 120 SH   DFND 1 0 0 120
CDW CORP COM 12514G108 70 532 SH   SOLE   0 0 532
CHEVRON CORP NEW COM 166764100 76 904 SH   SOLE   0 0 904
CHEVRON CORP NEW COM 166764100 25 300 SH   DFND 1 0 0 300
CIGNA CORP NEW COM 125523100 21 100 SH   DFND 1 0 0 100
CISCO SYS INC COM 17275R102 91 2,040 SH   SOLE   0 0 2,040
CISCO SYS INC COM 17275R102 29 643 SH   DFND 1 0 0 643
CITIGROUP INC COM NEW 172967424 23 371 SH   DFND 1 0 0 371
CLOROX CO DEL COM 189054109 69 341 SH   SOLE   0 0 341
COCA COLA CO COM 191216100 42 762 SH   SOLE   0 0 762
COCA COLA CO COM 191216100 39 705 SH   DFND 1 0 0 705
COLGATE PALMOLIVE CO COM 194162103 378 4,423 SH   SOLE   0 0 4,423
COMCAST CORP NEW CL A 20030N101 306 5,835 SH   SOLE   0 0 5,835
COMCAST CORP NEW CL A 20030N101 53 1,014 SH   DFND 1 0 0 1,014
COMMUNITY BK SYS INC COM 203607106 695 11,148 SH   SOLE   0 0 11,148
CONSTELLATION BRANDS INC CL A 21036P108 24 109 SH   SOLE   0 0 109
COSTAR GROUP INC COM 22160N109 22 24 SH   DFND 1 0 0 24
COSTCO WHSL CORP NEW COM 22160K105 46 122 SH   DFND 1 0 0 122
CROWDSTRIKE HLDGS INC CL A 22788C105 24 113 SH   SOLE   0 0 113
CROWN CASTLE INTL CORP NEW COM 22822V101 20 127 SH   DFND 1 0 0 127
CSX CORP COM 126408103 74 820 SH   SOLE   0 0 820
CVS HEALTH CORP COM 126650100 27 401 SH   SOLE   0 0 401
DANAHER CORPORATION COM 235851102 32 143 SH   DFND 1 0 0 143
DBX ETF TR XTRACK USD HIGH 233051432 95 1,894 SH   SOLE   0 0 1,894
DELTA AIR LINES INC DEL COM NEW 247361702 21 516 SH   SOLE   0 0 516
DEXCOM INC COM 252131107 22 60 SH   SOLE   0 0 60
DIGITAL MEDIA SOLUTIONS INC COM CL A 25401G106 114 9,428 SH   SOLE   0 0 9,428
DISNEY WALT CO COM 254687106 130 716 SH   SOLE   0 0 716
DISNEY WALT CO COM 254687106 89 492 SH   DFND 1 0 0 492
DOLLAR TREE INC COM 256746108 22 200 SH   SOLE   0 0 200
DOW INC COM 260557103 22 391 SH   SOLE   0 0 391
DUKE ENERGY CORP NEW COM NEW 26441C204 64 696 SH   SOLE   0 0 696
EDWARDS LIFESCIENCES CORP COM 28176E108 25 272 SH   DFND 1 0 0 272
EMERSON ELEC CO COM 291011104 34 424 SH   SOLE   0 0 424
ENBRIDGE INC COM 29250N105 39 1,215 SH   SOLE   0 0 1,215
ENERGY TRANSFER LP COM UT LTD PTN 29273V100 25 4,000 SH   SOLE   0 0 4,000
ENTERPRISE PRODS PARTNERS L COM 293792107 21 1,086 SH   SOLE   0 0 1,086
ESSENTIAL UTILS INC COM 29670G102 51 1,089 SH   SOLE   0 0 1,089
EXXON MOBIL CORP COM 30231G102 481 11,662 SH   SOLE   0 0 11,662
FACEBOOK INC CL A 30303M102 253 925 SH   SOLE   0 0 925
FACEBOOK INC CL A 30303M102 144 527 SH   DFND 1 0 0 527
FIDELITY NATL INFORMATION SV COM 31620M106 24 167 SH   DFND 1 0 0 167
FIRST TR EXCHANGE-TRADED FD NO AMER ENERGY 33738D101 24 1,127 SH   SOLE   0 0 1,127
FORD MTR CO DEL COM 345370860 49 5,554 SH   SOLE   0 0 5,554
FORTUNE BRANDS HOME & SEC IN COM 34964C106 48 562 SH   SOLE   0 0 562
FULTON FINL CORP PA COM 360271100 220 17,325 SH   SOLE   0 0 17,325
GENERAL ELECTRIC CO COM 369604103 184 17,053 SH   SOLE   0 0 17,053
GOLDMAN SACHS GROUP INC COM 38141G104 82 312 SH   SOLE   0 0 312
GOLDMAN SACHS GROUP INC COM 38141G104 22 85 SH   DFND 1 0 0 85
HERCULES CAPITAL INC COM 427096508 23 1,578 SH   SOLE   0 0 1,578
HESS CORP COM 42809H107 27 506 SH   SOLE   0 0 506
HOME DEPOT INC COM 437076102 1,245 4,687 SH   SOLE   0 0 4,687
HOME DEPOT INC COM 437076102 80 302 SH   DFND 1 0 0 302
HONEYWELL INTL INC COM 438516106 47 220 SH   DFND 1 0 0 220
HORMEL FOODS CORP COM 440452100 95 2,039 SH   SOLE   0 0 2,039
INTEL CORP COM 458140100 118 2,361 SH   SOLE   0 0 2,361
INTEL CORP COM 458140100 32 638 SH   DFND 1 0 0 638
INTERNATIONAL BUSINESS MACHS COM 459200101 135 1,074 SH   SOLE   0 0 1,074
INTERNATIONAL PAPER CO COM 460146103 31 628 SH   SOLE   0 0 628
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354 24 435 SH   SOLE   0 0 435
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 77 606 SH   SOLE   0 0 606
INVESCO QQQ TR UNIT SER 1 46090E103 49 157 SH   SOLE   0 0 157
IRON MTN INC NEW COM 46284V101 29 995 SH   SOLE   0 0 995
ISHARES INC CORE MSCI EMKT 46434G103 21 343 SH   SOLE   0 0 343
ISHARES SILVER TR ISHARES 46428Q109 49 2,000 SH   SOLE   0 0 2,000
ISHARES TR CORE MSCI EAFE 46432F842 48 694 SH   SOLE   0 0 694
ISHARES TR CORE MSCI TOTAL 46432F834 8,623 128,334 SH   SOLE   0 0 128,334
ISHARES TR CORE S&P MCP ETF 464287507 102 445 SH   SOLE   0 0 445
ISHARES TR CORE S&P SCP ETF 464287804 83 900 SH   SOLE   0 0 900
ISHARES TR CORE S&P TTL STK 464287150 1,188 13,776 SH   SOLE   0 0 13,776
ISHARES TR CORE S&P500 ETF 464287200 2,860 7,619 SH   SOLE   0 0 7,619
ISHARES TR CORE US AGGBD ET 464287226 43,391 367,131 SH   SOLE   0 0 367,131
ISHARES TR FLTG RATE NT ETF 46429B655 71 1,396 SH   SOLE   0 0 1,396
ISHARES TR IBONDS DEC21 ETF 46434VBK5 46 1,833 SH   SOLE   0 0 1,833
ISHARES TR IBONDS DEC22 ETF 46434VBA7 55 2,170 SH   SOLE   0 0 2,170
ISHARES TR JPMORGAN USD EMG 464288281 60 519 SH   SOLE   0 0 519
ISHARES TR MBS ETF 464288588 78 706 SH   SOLE   0 0 706
ISHARES TR MSCI USA MIN VOL 46429B697 10,009 147,448 SH   SOLE   0 0 147,448
ISHARES TR MSCI USA QLT FCT 46432F339 16,576 142,636 SH   SOLE   0 0 142,636
ISHARES TR MSCI USA VALUE 46432F388 113 1,296 SH   SOLE   0 0 1,296
ISHARES TR NATIONAL MUN ETF 464288414 33,990 290,015 SH   SOLE   0 0 290,015
ISHARES TR RUS 1000 ETF 464287622 201 950 SH   SOLE   0 0 950
ISHARES TR RUS 2000 VAL ETF 464287630 77 581 SH   SOLE   0 0 581
ISHARES TR RUSSELL 2000 ETF 464287655 15,649 79,817 SH   SOLE   0 0 79,817
ISHARES TR RUSSELL 3000 ETF 464287689 132 591 SH   SOLE   0 0 591
ISHARES TR S&P MC 400GR ETF 464287606 29 400 SH   SOLE   0 0 400
ISHARES TR SHRT NAT MUN ETF 464288158 10,496 97,086 SH   SOLE   0 0 97,086
ISHARES TR US TREAS BD ETF 46429B267 104 3,815 SH   SOLE   0 0 3,815
JOHNSON & JOHNSON COM 478160104 216 1,371 SH   SOLE   0 0 1,371
JOHNSON & JOHNSON COM 478160104 77 491 SH   DFND 1 0 0 491
JPMORGAN CHASE & CO COM 46625H100 161 1,267 SH   SOLE   0 0 1,267
JPMORGAN CHASE & CO COM 46625H100 99 781 SH   DFND 1 0 0 781
KIMBERLY-CLARK CORP COM 494368103 25 187 SH   SOLE   0 0 187
KKR & CO INC COM 48251W104 35 869 SH   SOLE   0 0 869
LAKELAND BANCORP INC COM 511637100 111 8,776 SH   SOLE   0 0 8,776
LILLY ELI & CO COM 532457108 33 196 SH   DFND 1 0 0 196
LINDE PLC SHS G5494J103 26 98 SH   DFND 1 0 0 98
LOCKHEED MARTIN CORP COM 539830109 1,088 3,064 SH   SOLE   0 0 3,064
LOWES COS INC COM 548661107 216 1,347 SH   SOLE   0 0 1,347
LOWES COS INC COM 548661107 31 195 SH   DFND 1 0 0 195
MASTERCARD INCORPORATED CL A 57636Q104 96 270 SH   SOLE   0 0 270
MASTERCARD INCORPORATED CL A 57636Q104 74 208 SH   DFND 1 0 0 208
MCDONALDS CORP COM 580135101 263 1,225 SH   SOLE   0 0 1,225
MCDONALDS CORP COM 580135101 34 159 SH   DFND 1 0 0 159
MEDTRONIC PLC SHS G5960L103 25 211 SH   DFND 1 0 0 211
MERCK & CO. INC COM 58933Y105 42 514 SH   DFND 1 0 0 514
MERIDIAN CORPORATION COM 58958P104 1,240 59,633 SH   SOLE   0 0 59,633
MICROSOFT CORP COM 594918104 544 2,445 SH   SOLE   0 0 2,445
MICROSOFT CORP COM 594918104 353 1,588 SH   DFND 1 0 0 1,588
MONSTER BEVERAGE CORP NEW COM 61174X109 20 213 SH   DFND 1 0 0 213
MORGAN STANLEY COM NEW 617446448 24 357 SH   DFND 1 0 0 357
NATIONAL GRID PLC SPONSORED ADR NE 636274409 22 373 SH   SOLE   0 0 373
NETFLIX INC COM 64110L106 68 125 SH   DFND 1 0 0 125
NEW JERSEY RES CORP COM 646025106 199 5,592 SH   SOLE   0 0 5,592
NEXTERA ENERGY INC COM 65339F101 251 3,257 SH   SOLE   0 0 3,257
NEXTERA ENERGY INC COM 65339F101 25 328 SH   DFND 1 0 0 328
NIKE INC CL B 654106103 39 279 SH   DFND 1 0 0 279
NIO INC SPON ADS 62914V106 22 460 SH   SOLE   0 0 460
NORFOLK SOUTHN CORP COM 655844108 24 100 SH   DFND 1 0 0 100
NORWEGIAN CRUISE LINE HLDG L SHS G66721104 40 1,585 SH   SOLE   0 0 1,585
NVIDIA CORPORATION COM 67066G104 65 124 SH   SOLE   0 0 124
NVIDIA CORPORATION COM 67066G104 43 82 SH   DFND 1 0 0 82
ORACLE CORP COM 68389X105 87 1,350 SH   SOLE   0 0 1,350
ORACLE CORP COM 68389X105 26 400 SH   DFND 1 0 0 400
OTIS WORLDWIDE CORP COM 68902V107 42 628 SH   SOLE   0 0 628
PAYPAL HLDGS INC COM 70450Y103 58 249 SH   DFND 1 0 0 249
PEPSICO INC COM 713448108 271 1,825 SH   SOLE   0 0 1,825
PEPSICO INC COM 713448108 52 348 SH   DFND 1 0 0 348
PFIZER INC COM 717081103 265 7,204 SH   SOLE   0 0 7,204
PFIZER INC COM 717081103 35 941 SH   DFND 1 0 0 941
PHILIP MORRIS INTL INC COM 718172109 35 418 SH   SOLE   0 0 418
PHILIP MORRIS INTL INC COM 718172109 21 249 SH   DFND 1 0 0 249
PNC FINL SVCS GROUP INC COM 693475105 27 182 SH   SOLE   0 0 182
PPG INDS INC COM 693506107 29 200 SH   SOLE   0 0 200
PROCTER AND GAMBLE CO COM 742718109 374 2,688 SH   SOLE   0 0 2,688
PROCTER AND GAMBLE CO COM 742718109 79 565 SH   DFND 1 0 0 565
PROLOGIS INC. COM 74340W103 26 259 SH   SOLE   0 0 259
PUBLIC SVC ENTERPRISE GRP IN COM 744573106 234 4,021 SH   SOLE   0 0 4,021
QUALCOMM INC COM 747525103 54 356 SH   DFND 1 0 0 356
QUEST DIAGNOSTICS INC COM 74834L100 61 510 SH   SOLE   0 0 510
RAYTHEON TECHNOLOGIES CORP COM 75513E101 120 1,678 SH   SOLE   0 0 1,678
RAYTHEON TECHNOLOGIES CORP COM 75513E101 29 404 SH   DFND 1 0 0 404
ROKU INC COM CL A 77543R102 20 59 SH   SOLE   0 0 59
ROSS STORES INC COM 778296103 22 177 SH   DFND 1 0 0 177
S&P GLOBAL INC COM 78409V104 526 1,600 SH   SOLE   0 0 1,600
SALESFORCE COM INC COM 79466L302 24 106 SH   SOLE   0 0 106
SALESFORCE COM INC COM 79466L302 57 254 SH   DFND 1 0 0 254
SANOFI SPONSORED ADR 80105N105 26 530 SH   SOLE   0 0 530
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 12,279 238,929 SH   SOLE   0 0 238,929
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 717 12,788 SH   SOLE   0 0 12,788
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 11,052 121,467 SH   SOLE   0 0 121,467
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 852 13,287 SH   SOLE   0 0 13,287
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 53 414 SH   SOLE   0 0 414
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 31 520 SH   SOLE   0 0 520
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 23,705 260,634 SH   SOLE   0 0 260,634
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 8,673 127,201 SH   SOLE   0 0 127,201
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 209 2,351 SH   SOLE   0 0 2,351
SEAGEN INC COM 81181C104 149 850 SH   SOLE   0 0 850
SELECT SECTOR SPDR TR ENERGY 81369Y506 80 2,110 SH   SOLE   0 0 2,110
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 153 1,351 SH   SOLE   0 0 1,351
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 117 903 SH   SOLE   0 0 903
SERVICE CORP INTL COM 817565104 122 2,491 SH   SOLE   0 0 2,491
SERVICENOW INC COM 81762P102 49 89 SH   DFND 1 0 0 89
SHOPIFY INC CL A 82509L107 106 94 SH   SOLE   0 0 94
SIMON PPTY GROUP INC NEW COM 828806109 30 350 SH   SOLE   0 0 350
SMITH A O CORP COM 831865209 48 876 SH   SOLE   0 0 876
SOUTHERN CO COM 842587107 20 333 SH   SOLE   0 0 333
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109 41 133 SH   SOLE   0 0 133
SPDR GOLD TR GOLD SHS 78463V107 258 1,446 SH   SOLE   0 0 1,446
SPDR S&P 500 ETF TR TR UNIT 78462F103 346 925 SH   SOLE   0 0 925
SPDR SER TR NUVEEN BBG BRCLY 78464A284 50 841 SH   SOLE   0 0 841
SPROTT PHYSICAL GOLD TR UNIT 85207H104 68 4,500 SH   SOLE   0 0 4,500
SPROTT PHYSICAL SILVER TR TR UNIT 85207K107 23 2,500 SH   SOLE   0 0 2,500
SQUARE INC CL A 852234103 57 263 SH   SOLE   0 0 263
STARBUCKS CORP COM 855244109 264 2,470 SH   SOLE   0 0 2,470
STARBUCKS CORP COM 855244109 46 434 SH   DFND 1 0 0 434
SUN LIFE FINANCIAL INC. COM 866796105 26 576 SH   SOLE   0 0 576
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100 32 291 SH   DFND 1 0 0 291
TANGER FACTORY OUTLET CTRS I COM 875465106 21 2,109 SH   SOLE   0 0 2,109
TARGET CORP COM 87612E106 30 169 SH   SOLE   0 0 169
TELADOC HEALTH INC COM 87918A105 56 280 SH   SOLE   0 0 280
TESLA INC COM 88160R101 444 629 SH   SOLE   0 0 629
TESLA INC COM 88160R101 92 130 SH   DFND 1 0 0 130
TEXAS INSTRS INC COM 882508104 1,012 6,168 SH   SOLE   0 0 6,168
TEXAS INSTRS INC COM 882508104 60 363 SH   DFND 1 0 0 363
THERMO FISHER SCIENTIFIC INC COM 883556102 75 162 SH   SOLE   0 0 162
THERMO FISHER SCIENTIFIC INC COM 883556102 58 124 SH   DFND 1 0 0 124
TJX COS INC NEW COM 872540109 21 301 SH   DFND 1 0 0 301
TRAVELERS COMPANIES INC COM 89417E109 42 300 SH   SOLE   0 0 300
TRUIST FINL CORP COM 89832Q109 41 856 SH   SOLE   0 0 856
TRUIST FINL CORP COM 89832Q109 23 482 SH   DFND 1 0 0 482
UNION PAC CORP COM 907818108 35 169 SH   DFND 1 0 0 169
UNITED PARCEL SERVICE INC CL B 911312106 34 202 SH   SOLE   0 0 202
UNITEDHEALTH GROUP INC COM 91324P102 63 180 SH   DFND 1 0 0 180
UNIVERSAL HEALTH RLTY INCM T SH BEN INT 91359E105 30 462 SH   SOLE   0 0 462
VANECK VECTORS ETF TR HIGH YLD MUN ETF 92189H409 22 360 SH   SOLE   0 0 360
VANECK VECTORS ETF TR JP MORGAN MKTS 92189H300 63 1,902 SH   SOLE   0 0 1,902
VANGUARD BD INDEX FDS INTERMED TERM 921937819 241 2,596 SH   SOLE   0 0 2,596
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 272 3,286 SH   SOLE   0 0 3,286
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 339 3,847 SH   SOLE   0 0 3,847
VANGUARD INDEX FDS GROWTH ETF 922908736 80 317 SH   SOLE   0 0 317
VANGUARD INDEX FDS MID CAP ETF 922908629 321 1,552 SH   SOLE   0 0 1,552
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 30 355 SH   SOLE   0 0 355
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 772 2,246 SH   SOLE   0 0 2,246
VANGUARD INDEX FDS SMALL CP ETF 922908751 949 4,872 SH   SOLE   0 0 4,872
VANGUARD INDEX FDS SML CP GRW ETF 922908595 37 140 SH   SOLE   0 0 140
VANGUARD INDEX FDS TOTAL STK MKT 922908769 3,446 17,705 SH   SOLE   0 0 17,705
VANGUARD INDEX FDS VALUE ETF 922908744 77 645 SH   SOLE   0 0 645
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 2,066 35,394 SH   SOLE   0 0 35,394
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 139 2,780 SH   SOLE   0 0 2,780
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 54 1,065 SH   SOLE   0 0 1,065
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 1,103 19,985 SH   SOLE   0 0 19,985
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 188 1,335 SH   SOLE   0 0 1,335
VANGUARD STAR FDS VG TL INTL STK F 921909768 273 4,541 SH   SOLE   0 0 4,541
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 487 10,325 SH   SOLE   0 0 10,325
VANGUARD WORLD FD MEGA GRWTH IND 921910816 132 650 SH   SOLE   0 0 650
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504 120 535 SH   SOLE   0 0 535
VANGUARD WORLD FDS INF TECH ETF 92204A702 138 390 SH   SOLE   0 0 390
VENTAS INC COM 92276F100 28 580 SH   SOLE   0 0 580
VERIZON COMMUNICATIONS INC COM 92343V104 118 2,003 SH   SOLE   0 0 2,003
VERIZON COMMUNICATIONS INC COM 92343V104 47 793 SH   DFND 1 0 0 793
VERTEX INC CL A 92538J106 160 4,603 SH   SOLE   0 0 4,603
VISA INC COM CL A 92826C839 26 120 SH   SOLE   0 0 120
VISA INC COM CL A 92826C839 131 598 SH   DFND 1 0 0 598
WALMART INC COM 931142103 106 733 SH   SOLE   0 0 733
WALMART INC COM 931142103 42 294 SH   DFND 1 0 0 294
WASTE MGMT INC DEL COM 94106L109 57 481 SH   SOLE   0 0 481
WEC ENERGY GROUP INC COM 92939U106 28 307 SH   SOLE   0 0 307
WELLS FARGO CO NEW COM 949746101 1,229 40,713 SH   SOLE   0 0 40,713
WP CAREY INC COM 92936U109 41 580 SH   SOLE   0 0 580
XCEL ENERGY INC COM 98389B100 33 499 SH   SOLE   0 0 499