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
AMAZON COM INC COM Stock 023135106 2,658 809 SH   SOLE   0 0 809
BLACKROCK SHORT MATURITY MUNICIPAL BOND ETF ETF 46431W838 1,648 32,853 SH   SOLE   0 0 32,853
INVESCO QQQ TRUST ETF 46090E103 246 687 SH   SOLE   0 0 687
TECHNOLOGY SELECT SECTOR SPDR FUND ETF 81369Y803 8,089 54,175 SH   SOLE   0 0 54,175
STARBUCKS CORP COM Stock 855244109 843 7,644 SH   SOLE   0 0 7,644
DOLLAR GEN CORP NEW COM Stock 256677105 425 2,002 SH   SOLE   0 0 2,002
JOHNSON & JOHNSON COM Stock 478160104 1,500 9,288 SH   SOLE   0 0 9,288
WASTE MGMT INC DEL COM Stock 94106L109 524 3,510 SH   SOLE   0 0 3,510
VANGUARD TOTAL STOCK MARKET INDEX FUND ETF 922908769 33,164 149,346 SH   SOLE   0 0 149,345
COSTCO WHSL CORP NEW COM Stock 22160K105 287 639 SH   SOLE   0 0 639
ISHARES MSCI EMERGING MARKETS ETF ETF 464287234 395 7,834 SH   SOLE   0 0 7,834
GOLDMAN SACHS GROUP INC COM Stock 38141G104 414 1,094 SH   SOLE   0 0 1,094
YUM BRANDS INC COM Stock 988498101 1,981 16,198 SH   SOLE   0 0 16,197
REAL ESTATE SELECT SECTOR SPDR FUND ETF 81369Y860 2,815 63,329 SH   SOLE   0 0 63,329
PROCTER AND GAMBLE CO COM Stock 742718109 2,872 20,544 SH   SOLE   0 0 20,543
COCA COLA CO COM Stock 191216100 369 7,028 SH   SOLE   0 0 7,028
TRUIST FINL CORP COM Stock 89832Q109 395 6,743 SH   SOLE   0 0 6,742
UNITED PARCEL SERVICE INC CL B Stock 911312106 220 1,207 SH   SOLE   0 0 1,207
MARRIOTT INTL INC NEW CL A Stock 571903202 349 2,356 SH   SOLE   0 0 2,356
VANGUARD REAL ESTATE ETF ETF 922908553 838 8,235 SH   SOLE   0 0 8,235
ISHARES MSCI USA ESG SELECT ETF ETF 464288802 430 4,483 SH   SOLE   0 0 4,482
ISHARES MSCI ACWI EX US INDEX FUND ETF 464288240 1,594 28,768 SH   SOLE   0 0 28,767
INTEL CORP COM Stock 458140100 3,560 66,814 SH   SOLE   0 0 66,813
MEDTRONIC PLC SHS Stock G5960L103 452 3,602 SH   SOLE   0 0 3,602
FORTIVE CORP COM Stock 34959J108 1,518 21,504 SH   SOLE   0 0 21,504
NETFLIX INC COM Stock 64110L106 673 1,102 SH   SOLE   0 0 1,102
PAYCHEX INC COM Stock 704326107 223 1,983 SH   SOLE   0 0 1,982
SPDR MSCI USA STRATEGICFACTORS ETF ETF 78468R812 298 2,499 SH   SOLE   0 0 2,499
SPDR DOW JONES GLOBAL REAL ESTATE ETF ETF 78463X749 230 4,500 SH   SOLE   0 0 4,500
PROLOGIS INC. COM REIT 74340W103 214 1,704 SH   SOLE   0 0 1,704
MERCK & CO INC COM Stock 58933Y105 2,281 30,363 SH   SOLE   0 0 30,363
SPDR S&P 500 ETF ETF 78462F103 40,761 94,983 SH   SOLE   0 0 94,982
MASTERCARD INCORPORATED CL A Stock 57636Q104 4,521 13,002 SH   SOLE   0 0 13,001
FIRST REP BK SAN FRANCISCO CAL COM Stock 33616C100 10,284 53,317 SH   SOLE   0 0 53,317
ILLINOIS TOOL WKS INC COM Stock 452308109 274 1,324 SH   SOLE   0 0 1,324
YUM CHINA HLDGS INC COM Stock 98850P109 243 4,189 SH   SOLE   0 0 4,189
ALLSTATE CORP COM Stock 020002101 6,052 47,537 SH   SOLE   0 0 47,536
DIAGEO PLC SPON ADR NEW ADR 25243Q205 244 1,264 SH   SOLE   0 0 1,264
ISHARES MSCI ALL COUNTRY ASIA EX JAPAN INDEX FUND ETF 464288182 444 5,233 SH   SOLE   0 0 5,233
LIONS GATE ENTMNT CORP CL B NON VTG Stock 535919500 196 15,045 SH   SOLE   0 0 15,045
JPMORGAN RESEARCH ENHANCED HIGH YIELD ETF ETF 46641Q878 479 9,192 SH   SOLE   0 0 9,192
VERIZON COMMUNICATIONS INC COM Stock 92343V104 1,478 27,371 SH   SOLE   0 0 27,371
PEPSICO INC COM Stock 713448108 923 6,136 SH   SOLE   0 0 6,135
HONEYWELL INTL INC COM Stock 438516106 396 1,863 SH   SOLE   0 0 1,863
TRANE TECHNOLOGIES PLC SHS Stock G8994E103 207 1,197 SH   SOLE   0 0 1,197
SPDR PORTFOLIO MORTGAGE BACKED BOND ETF ETF 78464A383 855 33,227 SH   SOLE   0 0 33,227
US BANCORP DEL COM NEW Stock 902973304 443 7,461 SH   SOLE   0 0 7,460
HOME DEPOT INC COM Stock 437076102 3,787 11,537 SH   SOLE   0 0 11,536
BAXTER INTL INC COM Stock 071813109 1,487 18,486 SH   SOLE   0 0 18,486
AUTOMATIC DATA PROCESSING INC COM Stock 053015103 421 2,105 SH   SOLE   0 0 2,105
ISHARES RUSSELL 2000 VALUE ETF ETF 464287630 581 3,627 SH   SOLE   0 0 3,627
HEALTH CARE SELECT SECTOR SPDR FUND ETF 81369Y209 11,833 92,951 SH   SOLE   0 0 92,951
SPDR GOLD SHARES ETF 78463V107 1,642 10,000 SH   SOLE   0 0 10,000
BECTON DICKINSON & CO COM Stock 075887109 1,547 6,292 SH   SOLE   0 0 6,292
ISHARES RUSSELL 1000 GROWTH ETF ETF 464287614 25,583 93,355 SH   SOLE   0 0 93,354
CONSUMER STAPLES SELECT SECTOR SPDR FUND ETF 81369Y308 440 6,387 SH   SOLE   0 0 6,386
SPDR PORTFOLIO S&P 400 MID CAP ETF ETF 78464A847 573 12,421 SH   SOLE   0 0 12,421
JPMORGAN ULTRA-SHORT INCOME ETF ETF 46641Q837 6,454 127,246 SH   SOLE   0 0 127,246
AON PLC SHS CL A Stock G0403H108 215 752 SH   SOLE   0 0 752
NUVEEN NEW YORK AMT QLT MUNICP COM CEF 670656107 186 13,478 SH   SOLE   0 0 13,478
SPDR PORTFOLIO SHORT TERM CORPORATE BOND ETF ETF 78464A474 1,726 55,235 SH   SOLE   0 0 55,235
ISHARES S&P SMALL-CAP FUND ETF 464287804 19,936 182,577 SH   SOLE   0 0 182,576
BERKSHIRE HATHAWAY INC DEL CL B NEW Stock 084670702 1,554 5,694 SH   SOLE   0 0 5,694
ADOBE SYSTEMS INCORPORATED COM Stock 00724F101 650 1,129 SH   SOLE   0 0 1,129
VANGUARD SHORT-TERM CORPORATE BOND INDEX FUND ETF 92206C409 1,839 22,319 SH   SOLE   0 0 22,319
VANGUARD INTERMEDIATE-TERM CORPORATE BOND ETF ETF 92206C870 857 9,075 SH   SOLE   0 0 9,075
ALPHABET INC CAP STK CL A Stock 02079K305 4,716 1,764 SH   SOLE   0 0 1,764
VANGUARD U.S. VALUE FACTOR ETF ETF 921935805 502 5,074 SH   SOLE   0 0 5,074
VANGUARD U.S. MOMENTUM FACTOR ETF ETF 921935508 625 4,863 SH   SOLE   0 0 4,863
FISERV INC COM Stock 337738108 6,482 59,744 SH   SOLE   0 0 59,744
INTUIT COM Stock 461202103 322 596 SH   SOLE   0 0 596
UNILEVER PLC SPON ADR NEW ADR 904767704 1,596 29,437 SH   SOLE   0 0 29,437
COMCAST CORP NEW CL A Stock 20030N101 840 15,015 SH   SOLE   0 0 15,015
MICROSOFT CORP COM Stock 594918104 10,519 37,312 SH   SOLE   0 0 37,311
VALERO ENERGY CORP COM Stock 91913Y100 3,278 46,452 SH   SOLE   0 0 46,451
CVS HEALTH CORP COM Stock 126650100 381 4,496 SH   SOLE   0 0 4,495
DTE ENERGY CO COM Stock 233331107 915 8,190 SH   SOLE   0 0 8,190
SPROTT PHYSICAL GOLD TR UNIT CEF 85207H104 285 20,679 SH   SOLE   0 0 20,679
VANGUARD U.S. MINIMUM VOLATILITY ETF ETF 921935409 276 2,827 SH   SOLE   0 0 2,827
COMMUNICATION SERVICES SELECT SECTOR SPDRA FUND ETF 81369Y852 4,815 60,101 SH   SOLE   0 0 60,101
TILRAY INC COM CL 2 Stock 88688T100 292 25,905 SH   SOLE   0 0 25,905
AMERIPRISE FINL INC COM Stock 03076C106 1,345 5,093 SH   SOLE   0 0 5,093
ARES CAPITAL CORP COM CEF 04010L103 7,352 361,638 SH   SOLE   0 0 361,638
BERKSHIRE HATHAWAY INC DEL CL A Stock 084670108 1,646 4 SH   SOLE   0 0 4
VANGUARD SMALL-CAP INDEX FUND ETF 922908751 3,167 14,483 SH   SOLE   0 0 14,483
VANGUARD MID-CAP INDEX FUND ETF 922908629 12,340 52,118 SH   SOLE   0 0 52,118
NEXTERA ENERGY INC COM Stock 65339F101 495 6,303 SH   SOLE   0 0 6,303
NIKE INC CL B Stock 654106103 353 2,430 SH   SOLE   0 0 2,430
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 24,384 SH   SOLE   0 0 24,384
FINANCIAL SELECT SECTOR SPDR FUND ETF 81369Y605 5,015 133,614 SH   SOLE   0 0 133,614
GOLDMAN SACHS ACCESS INFLATION PROTECTED USD BOND ETF ETF 381430362 699 12,106 SH   SOLE   0 0 12,106
ALERIAN MLP ETF ETF 00162Q452 792 23,767 SH   SOLE   0 0 23,766
VANGUARD FTSE EUROPE ETF ETF 922042874 483 7,368 SH   SOLE   0 0 7,367
WALGREENS BOOTS ALLIANCE INC COM Stock 931427108 231 4,909 SH   SOLE   0 0 4,909
HANESBRANDS INC COM Stock 410345102 189 10,994 SH   SOLE   0 0 10,994
VANGUARD S&P 500 ETF ETF 922908363 1,169 2,964 SH   SOLE   0 0 2,964
BROWN FORMAN CORP CL A Stock 115637100 248 3,950 SH   SOLE   0 0 3,950
FIFTH THIRD BANCORP COM Stock 316773100 1,770 41,717 SH   SOLE   0 0 41,716
WISDOMTREE EUROPE HEDGED EQUITY FUND ETF 97717X701 391 5,147 SH   SOLE   0 0 5,147
SPDR S&P MIDCAP 400 ETF ETF 78467Y107 574 1,194 SH   SOLE   0 0 1,194
ILLUMINA INC COM Stock 452327109 229 564 SH   SOLE   0 0 564
GENERAL MTRS CO COM Stock 37045V100 335 6,355 SH   SOLE   0 0 6,355
JPMORGAN CORPORATE BOND RESEARCH ENHANCED ETF ETF 46641Q449 1,767 31,758 SH   SOLE   0 0 31,757
INVESCO ULTRA SHORT DURATION ETF ETF 46090A887 404 8,013 SH   SOLE   0 0 8,013
OWL ROCK CAPITAL CORPORATION COM CEF 69121K104 2,572 182,119 SH   SOLE   0 0 182,119
BOOKING HOLDINGS INC COM Stock 09857L108 211 89 SH   SOLE   0 0 89
WABTEC COM Stock 929740108 200 2,322 SH   SOLE   0 0 2,322
LILLY ELI & CO COM Stock 532457108 434 1,878 SH   SOLE   0 0 1,877
AIR PRODS & CHEMS INC COM Stock 009158106 408 1,594 SH   SOLE   0 0 1,594
WISDOMTREE CLOUD COMPUTING FUND ETF 97717Y691 548 9,507 SH   SOLE   0 0 9,507
GRANITESHARES XOUT U.S. LARGE CAP ETF ETF 38747R603 678 16,583 SH   SOLE   0 0 16,583
VANGUARD TOTAL INTERNATIONAL STOCK ETF ETF 921909768 539 8,516 SH   SOLE   0 0 8,516
ISHARES RUSSELL MID-CAP VALUE ETF ETF 464287473 823 7,265 SH   SOLE   0 0 7,265
VANGUARD MORTGAGE-BACKED SECURITIES ETF ETF 92206C771 642 12,050 SH   SOLE   0 0 12,050
ISHARES RUSSELL 2000 ETF ETF 464287655 989 4,521 SH   SOLE   0 0 4,521
FIDELITY NATL INFORMATION SVCS COM Stock 31620M106 234 1,926 SH   SOLE   0 0 1,926
ISHARES CORE HIGH DIVIDEND ETF ETF 46429B663 6,406 67,964 SH   SOLE   0 0 67,964
CARRIER GLOBAL CORPORATION COM Stock 14448C104 1,005 19,417 SH   SOLE   0 0 19,417
ROYALTY PHARMA PLC SHS CLASS A Stock G7709Q104 22,067 610,584 SH   SOLE   0 0 610,584
AMERICAN ELEC PWR CO INC COM Stock 025537101 1,711 21,071 SH   SOLE   0 0 21,071
ISHARES RUSSELL MID-CAP GROWTH ETF ETF 464287481 1,679 14,986 SH   SOLE   0 0 14,986
VANGUARD FTSE PACIFIC ETF ETF 922042866 678 8,367 SH   SOLE   0 0 8,367
VONTIER CORPORATION COM Stock 928881101 259 7,719 SH   SOLE   0 0 7,718
22ND CENTY GROUP INC COM Stock 90137F103 148 50,000 SH   SOLE   0 0 50,000
REGENERON PHARMACEUTICALS COM Stock 75886F107 460 760 SH   SOLE   0 0 760
ISHARES MSCI EAFE VALUE ETF ETF 464288877 936 18,413 SH   SOLE   0 0 18,413
WHEELS UP EXPERIENCE INC COM CL A Stock 96328L106 132 20,024 SH   SOLE   0 0 20,024
ISHARES MSCI GLOBAL MIN VOL FACTOR ETF ETF 464286525 927 9,020 SH   SOLE   0 0 9,020
VISA INC COM CL A Stock 92826C839 866 3,889 SH   SOLE   0 0 3,889
ISHARES CMBS ETF ETF 46429B366 1,152 21,313 SH   SOLE   0 0 21,312
VANGUARD VALUE INDEX FUND ETF 922908744 221 1,629 SH   SOLE   0 0 1,629
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 1,146 11,648 SH   SOLE   0 0 11,648
FACEBOOK INC CL A Stock 30303M102 4,089 12,047 SH   SOLE   0 0 12,047
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 12,003 SH   SOLE   0 0 12,002
BROADCOM INC COM Stock 11135F101 3,004 6,195 SH   SOLE   0 0 6,194
EATON VANCE TAX MNGED BUY WRIT COM CEF 27828X100 166 10,372 SH   SOLE   0 0 10,372
VANGUARD SHORT-TERM INFLATION-PROTECTED SECURITIES ETF ETF 922020805 203 3,868 SH   SOLE   0 0 3,868
MARTIN MARIETTA MATLS INC COM Stock 573284106 388 1,135 SH   SOLE   0 0 1,135
MAGNA INTL INC COM Stock 559222401 954 12,678 SH   SOLE   0 0 12,678
ISHARES CORE MSCI TOTAL INTERNATIONAL STOCK ETF ETF 46432F834 223 3,140 SH   SOLE   0 0 3,140
NOVARTIS AG SPONSORED ADR ADR 66987V109 828 10,120 SH   SOLE   0 0 10,120
ISHARES CORE MSCI EAFE ETF ETF 46432F842 5,555 74,813 SH   SOLE   0 0 74,813
ACCENTURE PLC IRELAND SHS CLASS A Stock G1151C101 341 1,067 SH   SOLE   0 0 1,067
SPDR BLOOMBERG INVESTMENT GRADE FLOATING RATE ETF ETF 78468R200 1,378 44,943 SH   SOLE   0 0 44,943
NVIDIA CORPORATION COM Stock 67066G104 19,775 95,458 SH   SOLE   0 0 95,458
ISHARES 1-5 YEAR INVESTMENT GRADE CORPORATE BOND ETF ETF 464288646 3,900 71,370 SH   SOLE   0 0 71,369
ABBVIE INC COM Stock 00287Y109 567 5,254 SH   SOLE   0 0 5,253
ISHARES CORE MSCI EMERGING MARKETS ETF ETF 46434G103 7,641 123,714 SH   SOLE   0 0 123,714
VANGUARD TOTAL BOND MARKET INDEX FUND ETF 921937835 5,201 60,872 SH   SOLE   0 0 60,871
VANGUARD FTSE ALL-WORLD EX US INDEX FUND ETF 922042775 1,779 29,182 SH   SOLE   0 0 29,181
ISHARES MSCI EMERGING MARKETS SMALL-CAP ETF ETF 464286475 622 10,260 SH   SOLE   0 0 10,260
ZOETIS INC CL A Stock 98978V103 281 1,445 SH   SOLE   0 0 1,445
ISHARES RUSSELL 2000 GROWTH ETF ETF 464287648 1,069 3,642 SH   SOLE   0 0 3,642
CHURCH & DWIGHT INC COM Stock 171340102 6,692 81,044 SH   SOLE   0 0 81,044
STRYKER CORPORATION COM Stock 863667101 264 1,001 SH   SOLE   0 0 1,001
QUALCOMM INC COM Stock 747525103 352 2,732 SH   SOLE   0 0 2,731
GENERAL DYNAMICS CORP COM Stock 369550108 237 1,207 SH   SOLE   0 0 1,207
INTUITIVE SURGICAL INC COM NEW Stock 46120E602 236 237 SH   SOLE   0 0 237
MCDONALDS CORP COM Stock 580135101 2,970 12,319 SH   SOLE   0 0 12,318
INTERCONTINENTAL EXCHANGE INC COM Stock 45866F104 398 3,468 SH   SOLE   0 0 3,468
CISCO SYS INC COM Stock 17275R102 4,050 74,411 SH   SOLE   0 0 74,411
CAPITAL ONE FINL CORP COM Stock 14040H105 2,624 16,200 SH   SOLE   0 0 16,200
ISHARES RUSSELL MID-CAP ETF ETF 464287499 931 11,908 SH   SOLE   0 0 11,908
ADVANCED MICRO DEVICES INC COM Stock 007903107 275 2,677 SH   SOLE   0 0 2,677
AUTODESK INC COM Stock 052769106 243 852 SH   SOLE   0 0 852
CDW CORP COM Stock 12514G108 244 1,340 SH   SOLE   0 0 1,340
AT&T INC COM Stock 00206R102 590 21,849 SH   SOLE   0 0 21,848
VANGUARD INTERMEDIATE-TERM BOND INDEX FUND ETF 921937819 1,138 12,725 SH   SOLE   0 0 12,725
VANGUARD FINANCIALS INDEX FUND ETF 92204A405 339 3,657 SH   SOLE   0 0 3,657
ENERGY SELECT SECTOR SPDR FUND ETF 81369Y506 3,949 75,817 SH   SOLE   0 0 75,817
MATERIALS SELECT SECTOR SPDR FUND ETF 81369Y100 8,942 113,033 SH   SOLE   0 0 113,033
GENERAL ELECTRIC CO COM NEW Stock 369604301 272 2,638 SH   SOLE   0 0 2,638
SPDR PORTFOLIO SHORT TERM TREASURY ETF ETF 78468R101 238 7,760 SH   SOLE   0 0 7,760
ISHARES IBOXX $ HIGH YIELD CORPORATE BOND ETF ETF 464288513 205 2,348 SH   SOLE   0 0 2,348
ISHARES S&P SMALL-CAP 600 GROWTH ETF ETF 464287887 361 2,778 SH   SOLE   0 0 2,778
CONSUMER DISCRETIONARY SELECT SECTOR SPDR FUND ETF 81369Y407 10,102 56,293 SH   SOLE   0 0 56,293
INDUSTRIAL SELECT SECTOR SPDR FUND ETF 81369Y704 7,451 76,158 SH   SOLE   0 0 76,158
MANDIANT INC COM Stock 562662106 184 10,313 SH   SOLE   0 0 10,313
ISHARES U.S. FINANCIAL SERVICES ETF ETF 464287770 292 1,552 SH   SOLE   0 0 1,552
CHARTER COMMUNICATIONS INC NEW CL A Stock 16119P108 493 677 SH   SOLE   0 0 677
BLACKROCK SHORT MATURITY BOND ETF ETF 46431W507 690 13,758 SH   SOLE   0 0 13,758
ISHARES S&P 500 VALUE ETF ETF 464287408 6,917 47,566 SH   SOLE   0 0 47,566
SPDR PORTFOLIO S&P 600 SMALL CAP ETF ETF 78468R853 302 7,095 SH   SOLE   0 0 7,095
ISHARES S&P 500 GROWTH ETF ETF 464287309 12,064 163,227 SH   SOLE   0 0 163,227
ISHARES CORE S&P 500 ETF ETF 464287200 32,012 74,304 SH   SOLE   0 0 74,304
UNION PAC CORP COM Stock 907818108 7,554 38,540 SH   SOLE   0 0 38,540
ISHARES PREFERRED AND INCOME SECURITIES ETF ETF 464288687 999 25,744 SH   SOLE   0 0 25,743
SALESFORCE COM INC COM Stock 79466L302 1,139 4,199 SH   SOLE   0 0 4,199
MICROCHIP TECHNOLOGY INC. COM Stock 595017104 216 1,408 SH   SOLE   0 0 1,408
MCCORMICK & CO INC COM NON VTG Stock 579780206 297 3,670 SH   SOLE   0 0 3,670
NORTHROP GRUMMAN CORP COM Stock 666807102 2,021 5,612 SH   SOLE   0 0 5,611
SPDR EURO STOXX 50 ETF ETF 78463X202 1,889 41,713 SH   SOLE   0 0 41,713
LOCKHEED MARTIN CORP COM Stock 539830109 278 806 SH   SOLE   0 0 805
JPMORGAN CHASE & CO COM Stock 46625H100 10,244 62,581 SH   SOLE   0 0 62,580
ISHARES 5-10 YEAR INVESTMENT GRADE CORPORATE BOND ETF ETF 464288638 1,730 28,808 SH   SOLE   0 0 28,808
SPDR PORTFOLIO EMERGING MARKETS ETF ETF 78463X509 3,342 78,583 SH   SOLE   0 0 78,582
CHEVRON CORP NEW COM Stock 166764100 3,625 35,732 SH   SOLE   0 0 35,732
ISHARES NATIONAL MUNI BOND ETF ETF 464288414 5,287 45,513 SH   SOLE   0 0 45,513
CONOCOPHILLIPS COM Stock 20825C104 2,548 37,598 SH   SOLE   0 0 37,598
DANAHER CORPORATION COM Stock 235851102 8,846 29,058 SH   SOLE   0 0 29,057
M & T BK CORP COM Stock 55261F104 402 2,689 SH   SOLE   0 0 2,689
BK OF AMERICA CORP COM Stock 060505104 1,892 44,571 SH   SOLE   0 0 44,571
SPDR S&P DIVIDEND ETF ETF 78464A763 4,892 41,618 SH   SOLE   0 0 41,618
WALMART INC COM Stock 931142103 6,044 43,362 SH   SOLE   0 0 43,362
INTERNATIONAL BUSINESS MACHS COM Stock 459200101 279 2,011 SH   SOLE   0 0 2,010
ORACLE CORP COM Stock 68389X105 317 3,634 SH   SOLE   0 0 3,634
RAYTHEON TECHNOLOGIES CORP COM Stock 75513E101 1,884 21,922 SH   SOLE   0 0 21,921
TEXAS INSTRS INC COM Stock 882508104 12,470 64,876 SH   SOLE   0 0 64,875
TARGET CORP COM Stock 87612E106 525 2,296 SH   SOLE   0 0 2,295
VANGUARD HIGH DIVIDEND YIELD ETF ETF 921946406 1,052 10,183 SH   SOLE   0 0 10,183
PFIZER INC COM Stock 717081103 2,148 49,949 SH   SOLE   0 0 49,948
MORGAN STANLEY COM NEW Stock 617446448 323 3,316 SH   SOLE   0 0 3,315
3M CO COM Stock 88579Y101 587 3,349 SH   SOLE   0 0 3,348
KLA CORP COM NEW Stock 482480100 623 1,862 SH   SOLE   0 0 1,862
CATERPILLAR INC COM Stock 149123101 959 4,998 SH   SOLE   0 0 4,997
ISHARES CURRENCY HEDGED MSCI JAPAN ETF ETF 46434V886 402 10,000 SH   SOLE   0 0 10,000
ALPHABET INC CAP STK CL C Stock 02079K107 2,686 1,008 SH   SOLE   0 0 1,007
AMERICAN EXPRESS CO COM Stock 025816109 272 1,624 SH   SOLE   0 0 1,624
AMGEN INC COM Stock 031162100 661 3,108 SH   SOLE   0 0 3,108
OTIS WORLDWIDE CORP COM Stock 68902V107 720 8,752 SH   SOLE   0 0 8,751
CHECK POINT SOFTWARE TECH LTD ORD Stock M22465104 4,150 36,710 SH   SOLE   0 0 36,710
BANK MONTREAL QUE COM Stock 063671101 335 3,363 SH   SOLE   0 0 3,363
VANGUARD DIVIDEND APPRECIATION INDEX FUND ETF 921908844 1,391 9,058 SH   SOLE   0 0 9,058
ISHARES MSCI EAFE SMALL-CAP ETF ETF 464288273 3,684 49,511 SH   SOLE   0 0 49,510
ISHARES CORE U.S. AGGREGATE BOND ETF ETF 464287226 1,013 8,818 SH   SOLE   0 0 8,818
EATON CORP PLC SHS Stock G29183103 206 1,377 SH   SOLE   0 0 1,376
ISHARES CORE MSCI EUROPE ETF ETF 46434V738 14,278 254,691 SH   SOLE   0 0 254,691
ISHARES S&P SMALL-CAP 600 VALUE ETF ETF 464287879 228 2,267 SH   SOLE   0 0 2,267
ISHARES S&P MID-CAP 400 GROWTH ETF ETF 464287606 967 12,211 SH   SOLE   0 0 12,211
ISHARES S&P MID-CAP 400 VALUE ETF ETF 464287705 503 4,883 SH   SOLE   0 0 4,883
ISHARES INTERMEDIATE GOVERNMENT/CREDIT BOND ETF ETF 464288612 12,262 106,502 SH   SOLE   0 0 106,501
ALIBABA GROUP HLDG LTD SPONSORED ADS ADR 01609W102 201 1,355 SH   SOLE   0 0 1,355
CORBUS PHARMACEUTICALS HLDGS I COM Stock 21833P103 14 13,420 SH   SOLE   0 0 13,420
VANGUARD SHORT-TERM BOND INDEX FUND ETF 921937827 8,324 101,588 SH   SOLE   0 0 101,587
SPDR PORTFOLIO S&P 500 GROWTH ETF ETF 78464A409 33,931 530,007 SH   SOLE   0 0 530,007
SPDR PORTFOLIO S&P 500 VALUE ETF ETF 78464A508 958 24,572 SH   SOLE   0 0 24,572
PHILIP MORRIS INTL INC COM Stock 718172109 634 6,686 SH   SOLE   0 0 6,686
ROPER TECHNOLOGIES INC COM Stock 776696106 3,365 7,543 SH   SOLE   0 0 7,542
PNC FINL SVCS GROUP INC COM Stock 693475105 281 1,438 SH   SOLE   0 0 1,437
BRISTOL-MYERS SQUIBB CO COM Stock 110122108 468 7,912 SH   SOLE   0 0 7,912
ISHARES RUSSELL 3000 ETF ETF 464287689 1,289 5,058 SH   SOLE   0 0 5,058
ALTRIA GROUP INC COM Stock 02209S103 218 4,785 SH   SOLE   0 0 4,784
DOMINION ENERGY INC COM Stock 25746U109 630 8,627 SH   SOLE   0 0 8,627
CITIGROUP INC COM NEW Stock 172967424 300 4,278 SH   SOLE   0 0 4,278
EXXON MOBIL CORP COM Stock 30231G102 1,546 26,285 SH   SOLE   0 0 26,285
UNITEDHEALTH GROUP INC COM Stock 91324P102 872 2,231 SH   SOLE   0 0 2,231
PRICE T ROWE GROUP INC COM Stock 74144T108 492 2,499 SH   SOLE   0 0 2,499
TRAVELERS COMPANIES INC COM Stock 89417E109 206 1,353 SH   SOLE   0 0 1,352
LOWES COS INC COM Stock 548661107 8,963 44,181 SH   SOLE   0 0 44,180
DEERE & CO COM Stock 244199105 1,717 5,125 SH   SOLE   0 0 5,124
ISHARES INTEREST RATE HEDGED CORPORATE BOND ETF ETF 46431W705 7,704 80,404 SH   SOLE   0 0 80,403
COLGATE PALMOLIVE CO COM Stock 194162103 324 4,283 SH   SOLE   0 0 4,282
AMERICAN INTL GROUP INC COM NEW Stock 026874784 216 3,931 SH   SOLE   0 0 3,931
UTILITIES SELECT SECTOR SPDR FUND ETF 81369Y886 4,929 77,161 SH   SOLE   0 0 77,160
KRAFT HEINZ CO COM Stock 500754106 906 24,619 SH   SOLE   0 0 24,619
PAYPAL HLDGS INC COM Stock 70450Y103 583 2,241 SH   SOLE   0 0 2,241
SPDR PORTFOLIO DEVELOPED WORLD EX-US ETF ETF 78463X889 13,206 364,708 SH   SOLE   0 0 364,708
CROWN CASTLE INTL CORP NEW COM REIT 22822V101 300 1,730 SH   SOLE   0 0 1,729
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 20,800 79,068 SH   SOLE   0 0 79,067
ISHARES MSCI EAFE ETF ETF 464287465 2,158 27,663 SH   SOLE   0 0 27,663
APPLE INC COM Stock 037833100 24,137 170,579 SH   SOLE   0 0 170,578
GOLDMAN SACHS ACTIVEBETA U.S. LARGE CAP EQUITY ETF ETF 381430503 2,697 31,354 SH   SOLE   0 0 31,354
ABBOTT LABS COM Stock 002824100 8,960 75,849 SH   SOLE   0 0 75,848
DISNEY WALT CO COM Stock 254687106 9,436 55,777 SH   SOLE   0 0 55,777
ISHARES RUSSELL 1000 ETF ETF 464287622 1,550 6,414 SH   SOLE   0 0 6,414
MARSH & MCLENNAN COS INC COM Stock 571748102 340 2,248 SH   SOLE   0 0 2,248
ISHARES RUSSELL 1000 VALUE ETF ETF 464287598 10,653 68,069 SH   SOLE   0 0 68,068