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
ABBOTT LABS COM Stock 002824100 8,647 94,570 SH   SOLE   0 0 94,570
ABBVIE INC COM Stock 00287Y109 335 3,412 SH   SOLE   0 0 3,412
ALIBABA GROUP HLDG LTD SPONSORED ADS ADR 01609W102 363 1,683 SH   SOLE   0 0 1,683
ALLSTATE CORP COM Stock 020002101 6,004 61,908 SH   SOLE   0 0 61,908
ALPHABET INC CAP STK CL A Stock 02079K305 2,215 1,562 SH   SOLE   0 0 1,562
ALPHABET INC CAP STK CL C Stock 02079K107 536 379 SH   SOLE   0 0 379
AMAZON COM INC COM Stock 023135106 712 258 SH   SOLE   0 0 258
AMERICAN ELEC PWR CO INC COM Stock 025537101 2,518 31,621 SH   SOLE   0 0 31,621
APPLE INC COM Stock 037833100 12,402 33,997 SH   SOLE   0 0 33,997
ARES CAPITAL CORP COM CEF 04010L103 3,432 237,531 SH   SOLE   0 0 237,531
AT&T INC COM Stock 00206R102 1,976 65,361 SH   SOLE   0 0 65,361
AUTOMATIC DATA PROCESSING INC COM Stock 053015103 253 1,700 SH   SOLE   0 0 1,700
BAIN CAP SPECIALTY FIN INC COM STK CEF 05684B107 154 13,877 SH   SOLE   0 0 13,877
BANK MONTREAL QUE COM Stock 063671101 1,233 23,251 SH   SOLE   0 0 23,251
BAXTER INTL INC COM Stock 071813109 2,811 32,652 SH   SOLE   0 0 32,652
BECTON DICKINSON & CO COM Stock 075887109 2,683 11,214 SH   SOLE   0 0 11,214
BERKSHIRE HATHAWAY INC DEL CL A Stock 084670108 535 2 SH   SOLE   0 0 2
BK OF AMERICA CORP COM Stock 060505104 796 33,504 SH   SOLE   0 0 33,504
BRISTOL-MYERS SQUIBB CO COM Stock 110122108 289 4,916 SH   SOLE   0 0 4,916
CAPITAL ONE FINL CORP COM Stock 14040H105 1,153 18,415 SH   SOLE   0 0 18,415
CARRIER GLOBAL CORPORATION COM Stock 14448C104 728 32,757 SH   SOLE   0 0 32,757
CHECK POINT SOFTWARE TECH LTD ORD Stock M22465104 4,573 42,570 SH   SOLE   0 0 42,570
CHEVRON CORP NEW COM Stock 166764100 2,017 22,607 SH   SOLE   0 0 22,607
CHURCH & DWIGHT INC COM Stock 171340102 7,150 92,502 SH   SOLE   0 0 92,502
CISCO SYS INC COM Stock 17275R102 4,530 97,129 SH   SOLE   0 0 97,129
CITIGROUP INC COM NEW Stock 172967424 230 4,492 SH   SOLE   0 0 4,492
COLGATE PALMOLIVE CO COM Stock 194162103 1,788 24,409 SH   SOLE   0 0 24,409
COMMUNICATION SERVICES SELECT SECTOR SPDRA FUND ETF 81369Y852 4,512 83,486 SH   SOLE   0 0 83,486
CONOCOPHILLIPS COM Stock 20825C104 2,441 58,098 SH   SOLE   0 0 58,098
CONSUMER DISCRETIONARY SELECT SECTOR SPDR FUND ETF 81369Y407 8,159 63,888 SH   SOLE   0 0 63,888
CONSUMER STAPLES SELECT SECTOR SPDR FUND ETF 81369Y308 1,397 23,830 SH   SOLE   0 0 23,830
CROWN CASTLE INTL CORP NEW COM REIT 22822V101 248 1,482 SH   SOLE   0 0 1,482
CVS HEALTH CORP COM Stock 126650100 1,364 20,999 SH   SOLE   0 0 20,999
DANAHER CORPORATION COM Stock 235851102 5,624 31,805 SH   SOLE   0 0 31,805
DEERE & CO COM Stock 244199105 1,728 10,993 SH   SOLE   0 0 10,993
DIAGEO P L C SPON ADR NEW ADR 25243Q205 1,031 7,674 SH   SOLE   0 0 7,674
DISNEY WALT CO COM DISNEY Stock 254687106 6,686 59,959 SH   SOLE   0 0 59,959
DOLLAR GEN CORP NEW COM Stock 256677105 268 1,405 SH   SOLE   0 0 1,405
DTE ENERGY CO COM Stock 233331107 2,086 19,405 SH   SOLE   0 0 19,405
EATON VANCE TAX MNGED BUY WRIT COM CEF 27828X100 245 17,547 SH   SOLE   0 0 17,547
ENERGY SELECT SECTOR SPDR FUND ETF 81369Y506 586 15,482 SH   SOLE   0 0 15,482
EXXON MOBIL CORP COM Stock 30231G102 1,667 37,277 SH   SOLE   0 0 37,277
FACEBOOK INC CL A Stock 30303M102 2,054 9,044 SH   SOLE   0 0 9,044
FIFTH THIRD BANCORP COM Stock 316773100 1,505 78,042 SH   SOLE   0 0 78,042
FINANCIAL SELECT SECTOR SPDR FUND ETF 81369Y605 3,252 140,527 SH   SOLE   0 0 140,527
FIRST REP BK SAN FRANCISCO CAL COM Stock 33616C100 6,580 62,077 SH   SOLE   0 0 62,077
FISERV INC COM Stock 337738108 6,708 68,714 SH   SOLE   0 0 68,714
FORTIVE CORP COM Stock 34959J108 1,705 25,201 SH   SOLE   0 0 25,201
GENERAL ELECTRIC CO COM Stock 369604103 78 11,431 SH   SOLE   0 0 11,431
GOLDMAN SACHS ACCESS INFLATION PROTECTED USD BOND ETF ETF 381430362 1,216 22,009 SH   SOLE   0 0 22,009
HEALTH CARE SELECT SECTOR SPDR FUND ETF 81369Y209 11,621 116,126 SH   SOLE   0 0 116,126
HOME DEPOT INC COM Stock 437076102 3,018 12,049 SH   SOLE   0 0 12,049
INDUSTRIAL SELECT SECTOR SPDR FUND ETF 81369Y704 1,472 21,432 SH   SOLE   0 0 21,432
INTEL CORP COM Stock 458140100 5,117 85,531 SH   SOLE   0 0 85,531
ISHARES CMBS ETF ETF 46429B366 1,089 19,820 SH   SOLE   0 0 19,820
ISHARES CORE HIGH DIVIDEND ETF ETF 46429B663 4,470 55,087 SH   SOLE   0 0 55,087
ISHARES CORE MSCI EAFE ETF ETF 46432F842 1,158 20,262 SH   SOLE   0 0 20,262
ISHARES CORE S&P 500 ETF ETF 464287200 6,538 21,113 SH   SOLE   0 0 21,113
ISHARES CORE U.S. AGGREGATE BOND ETF ETF 464287226 301 2,545 SH   SOLE   0 0 2,545
ISHARES EDGE MSCI MIN VOL GLOBAL ETF ETF 464286525 858 9,792 SH   SOLE   0 0 9,792
ISHARES IBONDS DEC 2021 TERM CORPORATE ETF ETF 46434VBK5 220 8,758 SH   SOLE   0 0 8,758
ISHARES IBOXX $ HIGH YIELD CORPORATE BOND ETF ETF 464288513 252 3,093 SH   SOLE   0 0 3,093
ISHARES INTERMEDIATE GOVERNMENT/CREDIT BOND ETF ETF 464288612 17,497 148,628 SH   SOLE   0 0 148,628
ISHARES MSCI ACWI EX US INDEX FUND ETF 464288240 953 22,047 SH   SOLE   0 0 22,047
ISHARES MSCI ACWI INDEX FUND ETF 464288257 218 2,955 SH   SOLE   0 0 2,955
ISHARES MSCI EAFE ETF ETF 464287465 1,101 18,091 SH   SOLE   0 0 18,091
ISHARES MSCI EAFE VALUE ETF ETF 464288877 736 18,413 SH   SOLE   0 0 18,413
ISHARES MSCI EMERGING MARKETS ETF ETF 464287234 208 5,206 SH   SOLE   0 0 5,206
ISHARES MSCI USA ESG SELECT ETF ETF 464288802 288 2,154 SH   SOLE   0 0 2,154
ISHARES NATIONAL MUNI BOND ETF ETF 464288414 2,077 18,000 SH   SOLE   0 0 18,000
ISHARES RUSSELL 1000 ETF ETF 464287622 1,051 6,122 SH   SOLE   0 0 6,122
ISHARES RUSSELL 1000 GROWTH ETF ETF 464287614 6,546 34,103 SH   SOLE   0 0 34,103
ISHARES RUSSELL 1000 VALUE ETF ETF 464287598 2,701 23,987 SH   SOLE   0 0 23,987
ISHARES RUSSELL 2000 ETF ETF 464287655 470 3,284 SH   SOLE   0 0 3,284
ISHARES RUSSELL 3000 ETF ETF 464287689 864 4,797 SH   SOLE   0 0 4,797
ISHARES RUSSELL MID-CAP ETF ETF 464287499 638 11,908 SH   SOLE   0 0 11,908
ISHARES RUSSELL MID-CAP GROWTH ETF ETF 464287481 284 1,794 SH   SOLE   0 0 1,794
ISHARES S&P 500 GROWTH ETF ETF 464287309 13,491 65,020 SH   SOLE   0 0 65,020
ISHARES S&P 500 VALUE ETF ETF 464287408 6,832 63,135 SH   SOLE   0 0 63,135
ISHARES S&P MID-CAP 400 GROWTH ETF ETF 464287606 845 3,773 SH   SOLE   0 0 3,773
ISHARES S&P MID-CAP 400 VALUE ETF ETF 464287705 414 3,111 SH   SOLE   0 0 3,111
ISHARES S&P MIDCAP FUND ETF 464287507 2,089 11,748 SH   SOLE   0 0 11,748
ISHARES S&P SMALL-CAP 600 GROWTH ETF ETF 464287887 314 1,848 SH   SOLE   0 0 1,848
ISHARES S&P SMALL-CAP FUND ETF 464287804 2,374 34,769 SH   SOLE   0 0 34,769
ISHARES SHORT MATURITY BOND ETF ETF 46431W507 1,061 21,217 SH   SOLE   0 0 21,217
ISHARES SHORT MATURITY MUNICIPAL BOND ETF ETF 46431W838 2,268 45,224 SH   SOLE   0 0 45,224
JOHNSON & JOHNSON COM Stock 478160104 837 5,950 SH   SOLE   0 0 5,950
JPMORGAN CHASE & CO COM Stock 46625H100 7,228 76,842 SH   SOLE   0 0 76,842
JPMORGAN RESEARCH ENHANCED HIGH YIELD ETF ETF 46641Q878 277 5,703 SH   SOLE   0 0 5,703
JPMORGAN ULTRA-SHORT INCOME ETF ETF 46641Q837 1,337 26,349 SH   SOLE   0 0 26,349
KLA CORP COM NEW Stock 482480100 327 1,682 SH   SOLE   0 0 1,682
LOCKHEED MARTIN CORP COM Stock 539830109 212 581 SH   SOLE   0 0 581
LOWES COS INC COM Stock 548661107 6,818 50,461 SH   SOLE   0 0 50,461
M & T BK CORP COM Stock 55261F104 1,486 14,295 SH   SOLE   0 0 14,295
MASTERCARD INCORPORATED CL A Stock 57636Q104 2,986 10,099 SH   SOLE   0 0 10,099
MATERIALS SELECT SECTOR SPDR FUND ETF 81369Y100 4,161 73,845 SH   SOLE   0 0 73,845
MCDONALDS CORP COM Stock 580135101 3,520 19,082 SH   SOLE   0 0 19,082
MERCK & CO. INC COM Stock 58933Y105 2,483 32,109 SH   SOLE   0 0 32,109
MICROSOFT CORP COM Stock 594918104 9,738 47,852 SH   SOLE   0 0 47,852
MONDELEZ INTL INC CL A Stock 609207105 483 9,444 SH   SOLE   0 0 9,444
NEXTERA ENERGY INC COM Stock 65339F101 257 1,071 SH   SOLE   0 0 1,071
NORTHROP GRUMMAN CORP COM Stock 666807102 3,097 10,075 SH   SOLE   0 0 10,075
NOVARTIS AG SPONSORED ADR ADR 66987V109 1,392 15,941 SH   SOLE   0 0 15,941
NVIDIA CORPORATION COM Stock 67066G104 10,466 27,549 SH   SOLE   0 0 27,549
OTIS WORLDWIDE CORP COM Stock 68902V107 886 15,575 SH   SOLE   0 0 15,575
OWL ROCK CAPITAL CORPORATION COM CEF 69121K104 1,036 84,020 SH   SOLE   0 0 84,020
PEPSICO INC COM Stock 713448108 545 4,118 SH   SOLE   0 0 4,118
PFIZER INC COM Stock 717081103 2,167 66,255 SH   SOLE   0 0 66,255
PROCTER AND GAMBLE CO COM Stock 742718109 2,784 23,284 SH   SOLE   0 0 23,284
RAYTHEON TECHNOLOGIES CORP COM Stock 75513E101 1,979 32,122 SH   SOLE   0 0 32,122
REAL ESTATE SELECT SECTOR SPDR FUND ETF 81369Y860 2,876 82,626 SH   SOLE   0 0 82,626
REGENERON PHARMACEUTICALS COM Stock 75886F107 413 662 SH   SOLE   0 0 662
ROPER TECHNOLOGIES INC COM Stock 776696106 3,426 8,823 SH   SOLE   0 0 8,823
SALESFORCE COM INC COM Stock 79466L302 227 1,210 SH   SOLE   0 0 1,210
SPDR BLOOMBERG BARCLAYS INVESTMENT GRADE FLOATING RATE ETF ETF 78468R200 2,622 86,007 SH   SOLE   0 0 86,007
SPDR EURO STOXX 50 ETF ETF 78463X202 1,381 38,863 SH   SOLE   0 0 38,863
SPDR MSCI USA STRATEGICFACTORS ETF ETF 78468R812 269 3,046 SH   SOLE   0 0 3,046
SPDR PORTFOLIO DEVELOPED WORLD EX-US ETF ETF 78463X889 799 28,911 SH   SOLE   0 0 28,911
SPDR PORTFOLIO MORTGAGE BACKED BOND ETF ETF 78464A383 231 8,627 SH   SOLE   0 0 8,627
SPDR PORTFOLIO S&P 400 MID CAP ETF ETF 78464A847 396 12,661 SH   SOLE   0 0 12,661
SPDR PORTFOLIO S&P 500 GROWTH ETF ETF 78464A409 2,752 61,265 SH   SOLE   0 0 61,265
SPDR PORTFOLIO S&P 500 HIGH DIVIDEND ETF ETF 78468R788 460 16,531 SH   SOLE   0 0 16,531
SPDR PORTFOLIO SHORT TERM CORPORATE BOND ETF ETF 78464A474 582 18,560 SH   SOLE   0 0 18,560
SPDR S&P 500 ETF ETF 78462F103 27,562 89,381 SH   SOLE   0 0 89,381
SPDR S&P DIVIDEND ETF ETF 78464A763 1,079 11,826 SH   SOLE   0 0 11,826
SPDR S&P MIDCAP 400 ETF ETF 78467Y107 450 1,386 SH   SOLE   0 0 1,386
SPROTT PHYSICAL GOLD TR UNIT CEF 85207H104 296 20,679 SH   SOLE   0 0 20,679
STARBUCKS CORP COM Stock 855244109 360 4,897 SH   SOLE   0 0 4,897
TECHNOLOGY SELECT SECTOR SPDR FUND ETF 81369Y803 8,117 77,686 SH   SOLE   0 0 77,686
TEXAS INSTRS INC COM Stock 882508104 10,565 83,213 SH   SOLE   0 0 83,213
UNILEVER N V N Y SHS NEW ADR 904784709 2,429 45,604 SH   SOLE   0 0 45,604
UNION PAC CORP COM Stock 907818108 7,713 45,620 SH   SOLE   0 0 45,620
US BANCORP DEL COM NEW Stock 902973304 229 6,215 SH   SOLE   0 0 6,215
UTILITIES SELECT SECTOR SPDR FUND ETF 81369Y886 5,223 92,551 SH   SOLE   0 0 92,551
VALERO ENERGY CORP COM Stock 91913Y100 3,139 53,365 SH   SOLE   0 0 53,365
VANGUARD FTSE EUROPE ETF ETF 922042874 341 6,767 SH   SOLE   0 0 6,767
VANGUARD GLOBAL EX-U.S. REAL ESTATE INDEX ETF 922042676 342 7,323 SH   SOLE   0 0 7,323
VANGUARD MID-CAP INDEX FUND ETF 922908629 387 2,360 SH   SOLE   0 0 2,360
VANGUARD MORTGAGE-BACKED SECURITIES ETF ETF 92206C771 973 17,900 SH   SOLE   0 0 17,900
VANGUARD REAL ESTATE ETF ETF 922908553 620 7,891 SH   SOLE   0 0 7,891
VANGUARD RUSSELL 1000 GROWTH ETF ETF 92206C680 472 2,390 SH   SOLE   0 0 2,390
VANGUARD SHORT-TERM BOND INDEX FUND ETF 921937827 3,765 45,298 SH   SOLE   0 0 45,298
VANGUARD SMALL-CAP INDEX FUND ETF 922908751 345 2,365 SH   SOLE   0 0 2,365
VANGUARD TOTAL BOND MARKET INDEX FUND ETF 921937835 6,440 72,899 SH   SOLE   0 0 72,899
VANGUARD TOTAL INTERNATIONAL STOCK ETF ETF 921909768 1,047 21,290 SH   SOLE   0 0 21,290
VANGUARD TOTAL STOCK MARKET INDEX FUND ETF 922908769 30,090 192,235 SH   SOLE   0 0 192,235
VANGUARD U.S. MOMENTUM FACTOR ETF ETF 921935508 415 4,833 SH   SOLE   0 0 4,833
VANGUARD U.S. VALUE FACTOR ETF ETF 921935805 336 5,674 SH   SOLE   0 0 5,674
VERIZON COMMUNICATIONS INC COM Stock 92343V104 332 6,026 SH   SOLE   0 0 6,026
VISA INC COM CL A Stock 92826C839 243 1,256 SH   SOLE   0 0 1,256
WALMART INC COM Stock 931142103 5,789 48,327 SH   SOLE   0 0 48,327
WASTE MGMT INC DEL COM Stock 94106L109 338 3,192 SH   SOLE   0 0 3,192
WELLS FARGO CO NEW PERP PFD CNV A Convertible Preferred 949746804 511 394 SH   SOLE   0 0 394
WISDOMTREE EUROPE HEDGED EQUITY FUND ETF 97717X701 213 3,509 SH   SOLE   0 0 3,509
YUM BRANDS INC COM Stock 988498101 1,946 22,388 SH   SOLE   0 0 22,388
YUM CHINA HLDGS INC COM Stock 98850P109 1,311 27,271 SH   SOLE   0 0 27,271