Compliance Officer

0000950123-21-014368.txt : 20211109 0000950123-21-014368.hdr.sgml : 20211109 20211109165102 ACCESSION NUMBER: 0000950123-21-014368 CONFORMED SUBMISSION TYPE: 13F-HR PUBLIC DOCUMENT COUNT: 2 CONFORMED PERIOD OF REPORT: 20210930 FILED AS OF DATE: 20211109 DATE AS OF CHANGE: 20211109 EFFECTIVENESS DATE: 20211109 FILER: COMPANY DATA: COMPANY CONFORMED NAME: Graypoint LLC CENTRAL INDEX KEY: 0001794198 IRS NUMBER: 161627374 STATE OF INCORPORATION: DE FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 13F-HR SEC ACT: 1934 Act SEC FILE NUMBER: 028-20228 FILM NUMBER: 211392972 BUSINESS ADDRESS: STREET 1: 4 TOWER PLACE STREET 2: SUITE 1001 CITY: ALBANY STATE: NY ZIP: 12203 BUSINESS PHONE: 518-641-6860 MAIL ADDRESS: STREET 1: 4 TOWER PLACE STREET 2: SUITE 1001 CITY: ALBANY STATE: NY ZIP: 12203 FORMER COMPANY: FORMER CONFORMED NAME: JNB Advisors LLC DATE OF NAME CHANGE: 20191114 13F-HR 1 primary_doc.xml 13F-HR LIVE 0001794198 XXXXXXXX 09-30-2021 09-30-2021 false Graypoint LLC

4 Tower Place Suite 1001 Albany NY 12203

13F HOLDINGS REPORT 028-20228 N Steven Pardo Compliance Officer 518-218-5223 Steven Pardo Albany NY 11-09-2021 0 275 814859 false INFORMATION TABLE 2 6949.xml INFORMATION TABLE FOR FORM 13F AMAZON COM INC COM Stock 023135106 2658 809 SH SOLE 0 0 809 BLACKROCK SHORT MATURITY MUNICIPAL BOND ETF ETF 46431W838 1648 32853 SH SOLE 0 0 32853 INVESCO QQQ TRUST ETF 46090E103 246 687 SH SOLE 0 0 687 TECHNOLOGY SELECT SECTOR SPDR FUND ETF 81369Y803 8089 54175 SH SOLE 0 0 54175 STARBUCKS CORP COM Stock 855244109 843 7644 SH SOLE 0 0 7644 DOLLAR GEN CORP NEW COM Stock 256677105 425 2002 SH SOLE 0 0 2002 JOHNSON & JOHNSON COM Stock 478160104 1500 9288 SH SOLE 0 0 9288 WASTE MGMT INC DEL COM Stock 94106L109 524 3510 SH SOLE 0 0 3510 VANGUARD TOTAL STOCK MARKET INDEX FUND ETF 922908769 33164 149346 SH SOLE 0 0 149345 COSTCO WHSL CORP NEW COM Stock 22160K105 287 639 SH SOLE 0 0 639 ISHARES MSCI EMERGING MARKETS ETF ETF 464287234 395 7834 SH SOLE 0 0 7834 GOLDMAN SACHS GROUP INC COM Stock 38141G104 414 1094 SH SOLE 0 0 1094 YUM BRANDS INC COM Stock 988498101 1981 16198 SH SOLE 0 0 16197 REAL ESTATE SELECT SECTOR SPDR FUND ETF 81369Y860 2815 63329 SH SOLE 0 0 63329 PROCTER AND GAMBLE CO COM Stock 742718109 2872 20544 SH SOLE 0 0 20543 COCA COLA CO COM Stock 191216100 369 7028 SH SOLE 0 0 7028 TRUIST FINL CORP COM Stock 89832Q109 395 6743 SH SOLE 0 0 6742 UNITED PARCEL SERVICE INC CL B Stock 911312106 220 1207 SH SOLE 0 0 1207 MARRIOTT INTL INC NEW CL A Stock 571903202 349 2356 SH SOLE 0 0 2356 VANGUARD REAL ESTATE ETF ETF 922908553 838 8235 SH SOLE 0 0 8235 ISHARES MSCI USA ESG SELECT ETF ETF 464288802 430 4483 SH SOLE 0 0 4482 ISHARES MSCI ACWI EX US INDEX FUND ETF 464288240 1594 28768 SH SOLE 0 0 28767 INTEL CORP COM Stock 458140100 3560 66814 SH SOLE 0 0 66813 MEDTRONIC PLC SHS Stock G5960L103 452 3602 SH SOLE 0 0 3602 FORTIVE CORP COM Stock 34959J108 1518 21504 SH SOLE 0 0 21504 NETFLIX INC COM Stock 64110L106 673 1102 SH SOLE 0 0 1102 PAYCHEX INC COM Stock 704326107 223 1983 SH SOLE 0 0 1982 SPDR MSCI USA STRATEGICFACTORS ETF ETF 78468R812 298 2499 SH SOLE 0 0 2499 SPDR DOW JONES GLOBAL REAL ESTATE ETF ETF 78463X749 230 4500 SH SOLE 0 0 4500 PROLOGIS INC. COM REIT 74340W103 214 1704 SH SOLE 0 0 1704 MERCK & CO INC COM Stock 58933Y105 2281 30363 SH SOLE 0 0 30363 SPDR S&P 500 ETF ETF 78462F103 40761 94983 SH SOLE 0 0 94982 MASTERCARD INCORPORATED CL A Stock 57636Q104 4521 13002 SH SOLE 0 0 13001 FIRST REP BK SAN FRANCISCO CAL COM Stock 33616C100 10284 53317 SH SOLE 0 0 53317 ILLINOIS TOOL WKS INC COM Stock 452308109 274 1324 SH SOLE 0 0 1324 YUM CHINA HLDGS INC COM Stock 98850P109 243 4189 SH SOLE 0 0 4189 ALLSTATE CORP COM Stock 020002101 6052 47537 SH SOLE 0 0 47536 DIAGEO PLC SPON ADR NEW ADR 25243Q205 244 1264 SH SOLE 0 0 1264 ISHARES MSCI ALL COUNTRY ASIA EX JAPAN INDEX FUND ETF 464288182 444 5233 SH SOLE 0 0 5233 LIONS GATE ENTMNT CORP CL B NON VTG Stock 535919500 196 15045 SH SOLE 0 0 15045 JPMORGAN RESEARCH ENHANCED HIGH YIELD ETF ETF 46641Q878 479 9192 SH SOLE 0 0 9192 VERIZON COMMUNICATIONS INC COM Stock 92343V104 1478 27371 SH SOLE 0 0 27371 PEPSICO INC COM Stock 713448108 923 6136 SH SOLE 0 0 6135 HONEYWELL INTL INC COM Stock 438516106 396 1863 SH SOLE 0 0 1863 TRANE TECHNOLOGIES PLC SHS Stock G8994E103 207 1197 SH SOLE 0 0 1197 SPDR PORTFOLIO MORTGAGE BACKED BOND ETF ETF 78464A383 855 33227 SH SOLE 0 0 33227 US BANCORP DEL COM NEW Stock 902973304 443 7461 SH SOLE 0 0 7460 HOME DEPOT INC COM Stock 437076102 3787 11537 SH SOLE 0 0 11536 BAXTER INTL INC COM Stock 071813109 1487 18486 SH SOLE 0 0 18486 AUTOMATIC DATA PROCESSING INC COM Stock 053015103 421 2105 SH SOLE 0 0 2105 ISHARES RUSSELL 2000 VALUE ETF ETF 464287630 581 3627 SH SOLE 0 0 3627 HEALTH CARE SELECT SECTOR SPDR FUND ETF 81369Y209 11833 92951 SH SOLE 0 0 92951 SPDR GOLD SHARES ETF 78463V107 1642 10000 SH SOLE 0 0 10000 BECTON DICKINSON & CO COM Stock 075887109 1547 6292 SH SOLE 0 0 6292 ISHARES RUSSELL 1000 GROWTH ETF ETF 464287614 25583 93355 SH SOLE 0 0 93354 CONSUMER STAPLES SELECT SECTOR SPDR FUND ETF 81369Y308 440 6387 SH SOLE 0 0 6386 SPDR PORTFOLIO S&P 400 MID CAP ETF ETF 78464A847 573 12421 SH SOLE 0 0 12421 JPMORGAN ULTRA-SHORT INCOME ETF ETF 46641Q837 6454 127246 SH SOLE 0 0 127246 AON PLC SHS CL A Stock G0403H108 215 752 SH SOLE 0 0 752 NUVEEN NEW YORK AMT QLT MUNICP COM CEF 670656107 186 13478 SH SOLE 0 0 13478 SPDR PORTFOLIO SHORT TERM CORPORATE BOND ETF ETF 78464A474 1726 55235 SH SOLE 0 0 55235 ISHARES S&P SMALL-CAP FUND ETF 464287804 19936 182577 SH SOLE 0 0 182576 BERKSHIRE HATHAWAY INC DEL CL B NEW Stock 084670702 1554 5694 SH SOLE 0 0 5694 ADOBE SYSTEMS INCORPORATED COM Stock 00724F101 650 1129 SH SOLE 0 0 1129 VANGUARD SHORT-TERM CORPORATE BOND INDEX FUND ETF 92206C409 1839 22319 SH SOLE 0 0 22319 VANGUARD INTERMEDIATE-TERM CORPORATE BOND ETF ETF 92206C870 857 9075 SH SOLE 0 0 9075 ALPHABET INC CAP STK CL A Stock 02079K305 4716 1764 SH SOLE 0 0 1764 VANGUARD U.S. VALUE FACTOR ETF ETF 921935805 502 5074 SH SOLE 0 0 5074 VANGUARD U.S. MOMENTUM FACTOR ETF ETF 921935508 625 4863 SH SOLE 0 0 4863 FISERV INC COM Stock 337738108 6482 59744 SH SOLE 0 0 59744 INTUIT COM Stock 461202103 322 596 SH SOLE 0 0 596 UNILEVER PLC SPON ADR NEW ADR 904767704 1596 29437 SH SOLE 0 0 29437 COMCAST CORP NEW CL A Stock 20030N101 840 15015 SH SOLE 0 0 15015 MICROSOFT CORP COM Stock 594918104 10519 37312 SH SOLE 0 0 37311 VALERO ENERGY CORP COM Stock 91913Y100 3278 46452 SH SOLE 0 0 46451 CVS HEALTH CORP COM Stock 126650100 381 4496 SH SOLE 0 0 4495 DTE ENERGY CO COM Stock 233331107 915 8190 SH SOLE 0 0 8190 SPROTT PHYSICAL GOLD TR UNIT CEF 85207H104 285 20679 SH SOLE 0 0 20679 VANGUARD U.S. MINIMUM VOLATILITY ETF ETF 921935409 276 2827 SH SOLE 0 0 2827 COMMUNICATION SERVICES SELECT SECTOR SPDRA FUND ETF 81369Y852 4815 60101 SH SOLE 0 0 60101 TILRAY INC COM CL 2 Stock 88688T100 292 25905 SH SOLE 0 0 25905 AMERIPRISE FINL INC COM Stock 03076C106 1345 5093 SH SOLE 0 0 5093 ARES CAPITAL CORP COM CEF 04010L103 7352 361638 SH SOLE 0 0 361638 BERKSHIRE HATHAWAY INC DEL CL A Stock 084670108 1646 4 SH SOLE 0 0 4 VANGUARD SMALL-CAP INDEX FUND ETF 922908751 3167 14483 SH SOLE 0 0 14483 VANGUARD MID-CAP INDEX FUND ETF 922908629 12340 52118 SH SOLE 0 0 52118 NEXTERA ENERGY INC COM Stock 65339F101 495 6303 SH SOLE 0 0 6303 NIKE INC CL B Stock 654106103 353 2430 SH SOLE 0 0 2430 ALIGN TECHNOLOGY INC COM Stock 016255101 230 346 SH SOLE 0 0 346 TESLA INC COM Stock 88160R101 634 818 SH SOLE 0 0 818 MSCI INC COM Stock 55354G100 218 358 SH SOLE 0 0 358 BAIN CAP SPECIALTY FIN INC COM STK CEF 05684B107 362 24384 SH SOLE 0 0 24384 FINANCIAL SELECT SECTOR SPDR FUND ETF 81369Y605 5015 133614 SH SOLE 0 0 133614 GOLDMAN SACHS ACCESS INFLATION PROTECTED USD BOND ETF ETF 381430362 699 12106 SH SOLE 0 0 12106 ALERIAN MLP ETF ETF 00162Q452 792 23767 SH SOLE 0 0 23766 VANGUARD FTSE EUROPE ETF ETF 922042874 483 7368 SH SOLE 0 0 7367 WALGREENS BOOTS ALLIANCE INC COM Stock 931427108 231 4909 SH SOLE 0 0 4909 HANESBRANDS INC COM Stock 410345102 189 10994 SH SOLE 0 0 10994 VANGUARD S&P 500 ETF ETF 922908363 1169 2964 SH SOLE 0 0 2964 BROWN FORMAN CORP CL A Stock 115637100 248 3950 SH SOLE 0 0 3950 FIFTH THIRD BANCORP COM Stock 316773100 1770 41717 SH SOLE 0 0 41716 WISDOMTREE EUROPE HEDGED EQUITY FUND ETF 97717X701 391 5147 SH SOLE 0 0 5147 SPDR S&P MIDCAP 400 ETF ETF 78467Y107 574 1194 SH SOLE 0 0 1194 ILLUMINA INC COM Stock 452327109 229 564 SH SOLE 0 0 564 GENERAL MTRS CO COM Stock 37045V100 335 6355 SH SOLE 0 0 6355 JPMORGAN CORPORATE BOND RESEARCH ENHANCED ETF ETF 46641Q449 1767 31758 SH SOLE 0 0 31757 INVESCO ULTRA SHORT DURATION ETF ETF 46090A887 404 8013 SH SOLE 0 0 8013 OWL ROCK CAPITAL CORPORATION COM CEF 69121K104 2572 182119 SH SOLE 0 0 182119 BOOKING HOLDINGS INC COM Stock 09857L108 211 89 SH SOLE 0 0 89 WABTEC COM Stock 929740108 200 2322 SH SOLE 0 0 2322 LILLY ELI & CO COM Stock 532457108 434 1878 SH SOLE 0 0 1877 AIR PRODS & CHEMS INC COM Stock 009158106 408 1594 SH SOLE 0 0 1594 WISDOMTREE CLOUD COMPUTING FUND ETF 97717Y691 548 9507 SH SOLE 0 0 9507 GRANITESHARES XOUT U.S. LARGE CAP ETF ETF 38747R603 678 16583 SH SOLE 0 0 16583 VANGUARD TOTAL INTERNATIONAL STOCK ETF ETF 921909768 539 8516 SH SOLE 0 0 8516 ISHARES RUSSELL MID-CAP VALUE ETF ETF 464287473 823 7265 SH SOLE 0 0 7265 VANGUARD MORTGAGE-BACKED SECURITIES ETF ETF 92206C771 642 12050 SH SOLE 0 0 12050 ISHARES RUSSELL 2000 ETF ETF 464287655 989 4521 SH SOLE 0 0 4521 FIDELITY NATL INFORMATION SVCS COM Stock 31620M106 234 1926 SH SOLE 0 0 1926 ISHARES CORE HIGH DIVIDEND ETF ETF 46429B663 6406 67964 SH SOLE 0 0 67964 CARRIER GLOBAL CORPORATION COM Stock 14448C104 1005 19417 SH SOLE 0 0 19417 ROYALTY PHARMA PLC SHS CLASS A Stock G7709Q104 22067 610584 SH SOLE 0 0 610584 AMERICAN ELEC PWR CO INC COM Stock 025537101 1711 21071 SH SOLE 0 0 21071 ISHARES RUSSELL MID-CAP GROWTH ETF ETF 464287481 1679 14986 SH SOLE 0 0 14986 VANGUARD FTSE PACIFIC ETF ETF 922042866 678 8367 SH SOLE 0 0 8367 VONTIER CORPORATION COM Stock 928881101 259 7719 SH SOLE 0 0 7718 22ND CENTY GROUP INC COM Stock 90137F103 148 50000 SH SOLE 0 0 50000 REGENERON PHARMACEUTICALS COM Stock 75886F107 460 760 SH SOLE 0 0 760 ISHARES MSCI EAFE VALUE ETF ETF 464288877 936 18413 SH SOLE 0 0 18413 WHEELS UP EXPERIENCE INC COM CL A Stock 96328L106 132 20024 SH SOLE 0 0 20024 ISHARES MSCI GLOBAL MIN VOL FACTOR ETF ETF 464286525 927 9020 SH SOLE 0 0 9020 VISA INC COM CL A Stock 92826C839 866 3889 SH SOLE 0 0 3889 ISHARES CMBS ETF ETF 46429B366 1152 21313 SH SOLE 0 0 21312 VANGUARD VALUE INDEX FUND ETF 922908744 221 1629 SH SOLE 0 0 1629 AMERICAN TOWER CORP NEW COM REIT 03027X100 217 819 SH SOLE 0 0 819 ISHARES CORE S&P TOTAL U.S. STOCK MARKET ETF ETF 464287150 1146 11648 SH SOLE 0 0 11648 FACEBOOK INC CL A Stock 30303M102 4089 12047 SH SOLE 0 0 12047 SERVICENOW INC COM Stock 81762P102 365 586 SH SOLE 0 0 586 PALO ALTO NETWORKS INC COM Stock 697435105 383 800 SH SOLE 0 0 800 MONDELEZ INTL INC CL A Stock 609207105 698 12003 SH SOLE 0 0 12002 BROADCOM INC COM Stock 11135F101 3004 6195 SH SOLE 0 0 6194 EATON VANCE TAX MNGED BUY WRIT COM CEF 27828X100 166 10372 SH SOLE 0 0 10372 VANGUARD SHORT-TERM INFLATION-PROTECTED SECURITIES ETF ETF 922020805 203 3868 SH SOLE 0 0 3868 MARTIN MARIETTA MATLS INC COM Stock 573284106 388 1135 SH SOLE 0 0 1135 MAGNA INTL INC COM Stock 559222401 954 12678 SH SOLE 0 0 12678 ISHARES CORE MSCI TOTAL INTERNATIONAL STOCK ETF ETF 46432F834 223 3140 SH SOLE 0 0 3140 NOVARTIS AG SPONSORED ADR ADR 66987V109 828 10120 SH SOLE 0 0 10120 ISHARES CORE MSCI EAFE ETF ETF 46432F842 5555 74813 SH SOLE 0 0 74813 ACCENTURE PLC IRELAND SHS CLASS A Stock G1151C101 341 1067 SH SOLE 0 0 1067 SPDR BLOOMBERG INVESTMENT GRADE FLOATING RATE ETF ETF 78468R200 1378 44943 SH SOLE 0 0 44943 NVIDIA CORPORATION COM Stock 67066G104 19775 95458 SH SOLE 0 0 95458 ISHARES 1-5 YEAR INVESTMENT GRADE CORPORATE BOND ETF ETF 464288646 3900 71370 SH SOLE 0 0 71369 ABBVIE INC COM Stock 00287Y109 567 5254 SH SOLE 0 0 5253 ISHARES CORE MSCI EMERGING MARKETS ETF ETF 46434G103 7641 123714 SH SOLE 0 0 123714 VANGUARD TOTAL BOND MARKET INDEX FUND ETF 921937835 5201 60872 SH SOLE 0 0 60871 VANGUARD FTSE ALL-WORLD EX US INDEX FUND ETF 922042775 1779 29182 SH SOLE 0 0 29181 ISHARES MSCI EMERGING MARKETS SMALL-CAP ETF ETF 464286475 622 10260 SH SOLE 0 0 10260 ZOETIS INC CL A Stock 98978V103 281 1445 SH SOLE 0 0 1445 ISHARES RUSSELL 2000 GROWTH ETF ETF 464287648 1069 3642 SH SOLE 0 0 3642 CHURCH & DWIGHT INC COM Stock 171340102 6692 81044 SH SOLE 0 0 81044 STRYKER CORPORATION COM Stock 863667101 264 1001 SH SOLE 0 0 1001 QUALCOMM INC COM Stock 747525103 352 2732 SH SOLE 0 0 2731 GENERAL DYNAMICS CORP COM Stock 369550108 237 1207 SH SOLE 0 0 1207 INTUITIVE SURGICAL INC COM NEW Stock 46120E602 236 237 SH SOLE 0 0 237 MCDONALDS CORP COM Stock 580135101 2970 12319 SH SOLE 0 0 12318 INTERCONTINENTAL EXCHANGE INC COM Stock 45866F104 398 3468 SH SOLE 0 0 3468 CISCO SYS INC COM Stock 17275R102 4050 74411 SH SOLE 0 0 74411 CAPITAL ONE FINL CORP COM Stock 14040H105 2624 16200 SH SOLE 0 0 16200 ISHARES RUSSELL MID-CAP ETF ETF 464287499 931 11908 SH SOLE 0 0 11908 ADVANCED MICRO DEVICES INC COM Stock 007903107 275 2677 SH SOLE 0 0 2677 AUTODESK INC COM Stock 052769106 243 852 SH SOLE 0 0 852 CDW CORP COM Stock 12514G108 244 1340 SH SOLE 0 0 1340 AT&T INC COM Stock 00206R102 590 21849 SH SOLE 0 0 21848 VANGUARD INTERMEDIATE-TERM BOND INDEX FUND ETF 921937819 1138 12725 SH SOLE 0 0 12725 VANGUARD FINANCIALS INDEX FUND ETF 92204A405 339 3657 SH SOLE 0 0 3657 ENERGY SELECT SECTOR SPDR FUND ETF 81369Y506 3949 75817 SH SOLE 0 0 75817 MATERIALS SELECT SECTOR SPDR FUND ETF 81369Y100 8942 113033 SH SOLE 0 0 113033 GENERAL ELECTRIC CO COM NEW Stock 369604301 272 2638 SH SOLE 0 0 2638 SPDR PORTFOLIO SHORT TERM TREASURY ETF ETF 78468R101 238 7760 SH SOLE 0 0 7760 ISHARES IBOXX $ HIGH YIELD CORPORATE BOND ETF ETF 464288513 205 2348 SH SOLE 0 0 2348 ISHARES S&P SMALL-CAP 600 GROWTH ETF ETF 464287887 361 2778 SH SOLE 0 0 2778 CONSUMER DISCRETIONARY SELECT SECTOR SPDR FUND ETF 81369Y407 10102 56293 SH SOLE 0 0 56293 INDUSTRIAL SELECT SECTOR SPDR FUND ETF 81369Y704 7451 76158 SH SOLE 0 0 76158 MANDIANT INC COM Stock 562662106 184 10313 SH SOLE 0 0 10313 ISHARES U.S. FINANCIAL SERVICES ETF ETF 464287770 292 1552 SH SOLE 0 0 1552 CHARTER COMMUNICATIONS INC NEW CL A Stock 16119P108 493 677 SH SOLE 0 0 677 BLACKROCK SHORT MATURITY BOND ETF ETF 46431W507 690 13758 SH SOLE 0 0 13758 ISHARES S&P 500 VALUE ETF ETF 464287408 6917 47566 SH SOLE 0 0 47566 SPDR PORTFOLIO S&P 600 SMALL CAP ETF ETF 78468R853 302 7095 SH SOLE 0 0 7095 ISHARES S&P 500 GROWTH ETF ETF 464287309 12064 163227 SH SOLE 0 0 163227 ISHARES CORE S&P 500 ETF ETF 464287200 32012 74304 SH SOLE 0 0 74304 UNION PAC CORP COM Stock 907818108 7554 38540 SH SOLE 0 0 38540 ISHARES PREFERRED AND INCOME SECURITIES ETF ETF 464288687 999 25744 SH SOLE 0 0 25743 SALESFORCE COM INC COM Stock 79466L302 1139 4199 SH SOLE 0 0 4199 MICROCHIP TECHNOLOGY INC. COM Stock 595017104 216 1408 SH SOLE 0 0 1408 MCCORMICK & CO INC COM NON VTG Stock 579780206 297 3670 SH SOLE 0 0 3670 NORTHROP GRUMMAN CORP COM Stock 666807102 2021 5612 SH SOLE 0 0 5611 SPDR EURO STOXX 50 ETF ETF 78463X202 1889 41713 SH SOLE 0 0 41713 LOCKHEED MARTIN CORP COM Stock 539830109 278 806 SH SOLE 0 0 805 JPMORGAN CHASE & CO COM Stock 46625H100 10244 62581 SH SOLE 0 0 62580 ISHARES 5-10 YEAR INVESTMENT GRADE CORPORATE BOND ETF ETF 464288638 1730 28808 SH SOLE 0 0 28808 SPDR PORTFOLIO EMERGING MARKETS ETF ETF 78463X509 3342 78583 SH SOLE 0 0 78582 CHEVRON CORP NEW COM Stock 166764100 3625 35732 SH SOLE 0 0 35732 ISHARES NATIONAL MUNI BOND ETF ETF 464288414 5287 45513 SH SOLE 0 0 45513 CONOCOPHILLIPS COM Stock 20825C104 2548 37598 SH SOLE 0 0 37598 DANAHER CORPORATION COM Stock 235851102 8846 29058 SH SOLE 0 0 29057 M & T BK CORP COM Stock 55261F104 402 2689 SH SOLE 0 0 2689 BK OF AMERICA CORP COM Stock 060505104 1892 44571 SH SOLE 0 0 44571 SPDR S&P DIVIDEND ETF ETF 78464A763 4892 41618 SH SOLE 0 0 41618 WALMART INC COM Stock 931142103 6044 43362 SH SOLE 0 0 43362 INTERNATIONAL BUSINESS MACHS COM Stock 459200101 279 2011 SH SOLE 0 0 2010 ORACLE CORP COM Stock 68389X105 317 3634 SH SOLE 0 0 3634 RAYTHEON TECHNOLOGIES CORP COM Stock 75513E101 1884 21922 SH SOLE 0 0 21921 TEXAS INSTRS INC COM Stock 882508104 12470 64876 SH SOLE 0 0 64875 TARGET CORP COM Stock 87612E106 525 2296 SH SOLE 0 0 2295 VANGUARD HIGH DIVIDEND YIELD ETF ETF 921946406 1052 10183 SH SOLE 0 0 10183 PFIZER INC COM Stock 717081103 2148 49949 SH SOLE 0 0 49948 MORGAN STANLEY COM NEW Stock 617446448 323 3316 SH SOLE 0 0 3315 3M CO COM Stock 88579Y101 587 3349 SH SOLE 0 0 3348 KLA CORP COM NEW Stock 482480100 623 1862 SH SOLE 0 0 1862 CATERPILLAR INC COM Stock 149123101 959 4998 SH SOLE 0 0 4997 ISHARES CURRENCY HEDGED MSCI JAPAN ETF ETF 46434V886 402 10000 SH SOLE 0 0 10000 ALPHABET INC CAP STK CL C Stock 02079K107 2686 1008 SH SOLE 0 0 1007 AMERICAN EXPRESS CO COM Stock 025816109 272 1624 SH SOLE 0 0 1624 AMGEN INC COM Stock 031162100 661 3108 SH SOLE 0 0 3108 OTIS WORLDWIDE CORP COM Stock 68902V107 720 8752 SH SOLE 0 0 8751 CHECK POINT SOFTWARE TECH LTD ORD Stock M22465104 4150 36710 SH SOLE 0 0 36710 BANK MONTREAL QUE COM Stock 063671101 335 3363 SH SOLE 0 0 3363 VANGUARD DIVIDEND APPRECIATION INDEX FUND ETF 921908844 1391 9058 SH SOLE 0 0 9058 ISHARES MSCI EAFE SMALL-CAP ETF ETF 464288273 3684 49511 SH SOLE 0 0 49510 ISHARES CORE U.S. AGGREGATE BOND ETF ETF 464287226 1013 8818 SH SOLE 0 0 8818 EATON CORP PLC SHS Stock G29183103 206 1377 SH SOLE 0 0 1376 ISHARES CORE MSCI EUROPE ETF ETF 46434V738 14278 254691 SH SOLE 0 0 254691 ISHARES S&P SMALL-CAP 600 VALUE ETF ETF 464287879 228 2267 SH SOLE 0 0 2267 ISHARES S&P MID-CAP 400 GROWTH ETF ETF 464287606 967 12211 SH SOLE 0 0 12211 ISHARES S&P MID-CAP 400 VALUE ETF ETF 464287705 503 4883 SH SOLE 0 0 4883 ISHARES INTERMEDIATE GOVERNMENT/CREDIT BOND ETF ETF 464288612 12262 106502 SH SOLE 0 0 106501 ALIBABA GROUP HLDG LTD SPONSORED ADS ADR 01609W102 201 1355 SH SOLE 0 0 1355 CORBUS PHARMACEUTICALS HLDGS I COM Stock 21833P103 14 13420 SH SOLE 0 0 13420 VANGUARD SHORT-TERM BOND INDEX FUND ETF 921937827 8324 101588 SH SOLE 0 0 101587 SPDR PORTFOLIO S&P 500 GROWTH ETF ETF 78464A409 33931 530007 SH SOLE 0 0 530007 SPDR PORTFOLIO S&P 500 VALUE ETF ETF 78464A508 958 24572 SH SOLE 0 0 24572 PHILIP MORRIS INTL INC COM Stock 718172109 634 6686 SH SOLE 0 0 6686 ROPER TECHNOLOGIES INC COM Stock 776696106 3365 7543 SH SOLE 0 0 7542 PNC FINL SVCS GROUP INC COM Stock 693475105 281 1438 SH SOLE 0 0 1437 BRISTOL-MYERS SQUIBB CO COM Stock 110122108 468 7912 SH SOLE 0 0 7912 ISHARES RUSSELL 3000 ETF ETF 464287689 1289 5058 SH SOLE 0 0 5058 ALTRIA GROUP INC COM Stock 02209S103 218 4785 SH SOLE 0 0 4784 DOMINION ENERGY INC COM Stock 25746U109 630 8627 SH SOLE 0 0 8627 CITIGROUP INC COM NEW Stock 172967424 300 4278 SH SOLE 0 0 4278 EXXON MOBIL CORP COM Stock 30231G102 1546 26285 SH SOLE 0 0 26285 UNITEDHEALTH GROUP INC COM Stock 91324P102 872 2231 SH SOLE 0 0 2231 PRICE T ROWE GROUP INC COM Stock 74144T108 492 2499 SH SOLE 0 0 2499 TRAVELERS COMPANIES INC COM Stock 89417E109 206 1353 SH SOLE 0 0 1352 LOWES COS INC COM Stock 548661107 8963 44181 SH SOLE 0 0 44180 DEERE & CO COM Stock 244199105 1717 5125 SH SOLE 0 0 5124 ISHARES INTEREST RATE HEDGED CORPORATE BOND ETF ETF 46431W705 7704 80404 SH SOLE 0 0 80403 COLGATE PALMOLIVE CO COM Stock 194162103 324 4283 SH SOLE 0 0 4282 AMERICAN INTL GROUP INC COM NEW Stock 026874784 216 3931 SH SOLE 0 0 3931 UTILITIES SELECT SECTOR SPDR FUND ETF 81369Y886 4929 77161 SH SOLE 0 0 77160 KRAFT HEINZ CO COM Stock 500754106 906 24619 SH SOLE 0 0 24619 PAYPAL HLDGS INC COM Stock 70450Y103 583 2241 SH SOLE 0 0 2241 SPDR PORTFOLIO DEVELOPED WORLD EX-US ETF ETF 78463X889 13206 364708 SH SOLE 0 0 364708 CROWN CASTLE INTL CORP NEW COM REIT 22822V101 300 1730 SH SOLE 0 0 1729 AUTOZONE INC COM Stock 053332102 343 202 SH SOLE 0 0 202 BLACKROCK INC COM Stock 09247X101 386 461 SH SOLE 0 0 460 ISHARES S&P MIDCAP FUND ETF 464287507 20800 79068 SH SOLE 0 0 79067 ISHARES MSCI EAFE ETF ETF 464287465 2158 27663 SH SOLE 0 0 27663 APPLE INC COM Stock 037833100 24137 170579 SH SOLE 0 0 170578 GOLDMAN SACHS ACTIVEBETA U.S. LARGE CAP EQUITY ETF ETF 381430503 2697 31354 SH SOLE 0 0 31354 ABBOTT LABS COM Stock 002824100 8960 75849 SH SOLE 0 0 75848 DISNEY WALT CO COM Stock 254687106 9436 55777 SH SOLE 0 0 55777 ISHARES RUSSELL 1000 ETF ETF 464287622 1550 6414 SH SOLE 0 0 6414 MARSH & MCLENNAN COS INC COM Stock 571748102 340 2248 SH SOLE 0 0 2248 ISHARES RUSSELL 1000 VALUE ETF ETF 464287598 10653 68069 SH SOLE 0 0 68068