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
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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 442 4,160 SH   SOLE 0 870 0 3,290
TECHNOLOGY SELECT SECTOR SPDR FUND ETF 81369Y803 2,440 19,198 SH   SOLE 0 102 0 19,096
DOLLAR GEN CORP NEW COM Stock 256677105 248 1,010 SH   SOLE 0 1,000 0 10
SPDR PORTFOLIO S&P 500 HIGH DIVIDEND ETF ETF 78468R788 23,913 599,167 SH   SOLE 0 18,490 0 580,677
JOHNSON & JOHNSON COM Stock 478160104 547 3,080 SH   SOLE 0 1,321 0 1,759
VANGUARD TOTAL STOCK MARKET INDEX FUND ETF 922908769 386 2,045 SH   SOLE 0 0 0 2,045
VANGUARD ENERGY INDEX FUND ETF 92204A306 557 5,602 SH   SOLE 0 3,538 0 2,064
VANGUARD INTERNATIONAL HIGH DIVIDEND YIELD ETF ETF 921946794 402 6,842 SH   SOLE 0 6,842 0 0
COSTCO WHSL CORP NEW COM Stock 22160K105 279 583 SH   SOLE 0 237 0 346
ISHARES MSCI EMERGING MARKETS ETF ETF 464287234 1,135 28,292 SH   SOLE 0 0 0 28,292
COCA COLA CO COM Stock 191216100 1,505 23,919 SH   SOLE 0 4,435 0 19,484
FIRST TRUST MORNINGSTAR DIVIDEND LEADERS INDEX FUND ETF 336917109 303 8,594 SH   SOLE 0 0 0 8,594
ISHARES U.S. ENERGY ETF ETF 464287796 881 23,118 SH   SOLE 0 0 0 23,118
INTEL CORP COM Stock 458140100 519 13,863 SH   SOLE 0 2,523 0 11,340
CLOROX CO DEL COM Stock 189054109 218 1,544 SH   SOLE 0 1,350 0 194
MERCK & CO INC COM Stock 58933Y105 1,014 11,119 SH   SOLE 0 355 0 10,764
ISHARES SHORT-TERM NATIONAL MUNI BOND ETF ETF 464288158 11,399 108,905 SH   SOLE 0 4,109 0 104,796
SPDR S&P 500 ETF ETF 78462F103 925 2,453 SH   SOLE 0 1,480 0 973
DIAGEO PLC SPON ADR NEW ADR 25243Q205 257 1,477 SH   SOLE 0 500 0 977
VERIZON COMMUNICATIONS INC COM Stock 92343V104 608 11,973 SH   SOLE 0 1,457 0 10,516
VANGUARD FTSE ALL-WORLD EX-US SMALL-CAP INDEX FUND ETF 922042718 370 3,588 SH   SOLE 0 97 0 3,491
PEPSICO INC COM Stock 713448108 588 3,527 SH   SOLE 0 1,796 0 1,731
KIMBERLY-CLARK CORP COM Stock 494368103 206 1,522 SH   SOLE 0 1,511 0 11
HOME DEPOT INC COM Stock 437076102 417 1,519 SH   SOLE 0 1,298 0 221
HEALTH CARE SELECT SECTOR SPDR FUND ETF 81369Y209 1,002 7,815 SH   SOLE 0 125 0 7,690
ISHARES RUSSELL 1000 GROWTH ETF ETF 464287614 201 920 SH   SOLE 0 0 0 920
SCHWAB INTERNATIONAL EQUITY ETF ETF 808524805 369 11,738 SH   SOLE 0 1,760 0 9,978
INVESCO BULLETSHARES 2027 CORPORATE BOND ETF ETF 46138J783 3,346 172,767 SH   SOLE 0 5,968 0 166,799
JPMORGAN ULTRA-SHORT INCOME ETF ETF 46641Q837 340 6,790 SH   SOLE 0 0 0 6,790
ISHARES S&P SMALL-CAP FUND ETF 464287804 677 7,330 SH   SOLE 0 0 0 7,330
BERKSHIRE HATHAWAY INC DEL CL B NEW Stock 084670702 424 1,553 SH   SOLE 0 320 0 1,233
SCHWAB EMERGING MARKETS EQUITY ETF ETF 808524706 45,741 1,802,251 SH   SOLE 0 83,895 0 1,718,356
ALPHABET INC CAP STK CL A Stock 02079K305 355 163 SH   SOLE 0 1 0 162
MICROSOFT CORP COM Stock 594918104 900 3,504 SH   SOLE 0 1,712 0 1,792
INVESCO CEF INCOME COMPOSITE ETF ETF 46138E404 539 28,500 SH   SOLE 0 28,500 0 0
ISHARES MSCI BRAZIL ETF ETF 464286400 252 9,216 SH   SOLE 0 0 0 9,216
VANGUARD SMALL-CAP INDEX FUND ETF 922908751 53,909 306,111 SH   SOLE 0 12,895 0 293,216
VANGUARD MID-CAP INDEX FUND ETF 922908629 23,311 118,347 SH   SOLE 0 5,325 0 113,022
VANGUARD LARGE-CAP INDEX FUND ETF 922908637 60,200 349,292 SH   SOLE 0 13,751 0 335,541
NEXTERA ENERGY INC COM Stock 65339F101 579 7,476 SH   SOLE 0 26 0 7,450
SPDR S&P KENSHO NEW ECONOMIES COMPOSITE ETF ETF 78468R648 391 9,654 SH   SOLE 0 0 0 9,654
ISHARES MSCI EMERGING MARKETS EX CHINA ETF ETF 46434G764 395 8,270 SH   SOLE 0 0 0 8,270
NORFOLK SOUTHN CORP COM Stock 655844108 375 1,650 SH   SOLE 0 50 0 1,600
ALERIAN MLP ETF ETF 00162Q452 7,486 217,305 SH   SOLE 0 6,536 0 210,769
SCHWAB SHORT-TERM U.S. TREASURY ETF ETF 808524862 21,328 433,594 SH   SOLE 0 14,587 0 419,007
WALGREENS BOOTS ALLIANCE INC COM Stock 931427108 397 10,466 SH   SOLE 0 463 0 10,003
BROOKFIELD ASSET MGMT INC CL A LTD VT SH Stock 112585104 306 6,875 SH   SOLE 0 3,000 0 3,875
DOW INC COM Stock 260557103 491 9,506 SH   SOLE 0 721 0 8,785
ISHARES MSCI BRAZIL SMALL-CAP ETF ETF 464289131 315 26,798 SH   SOLE 0 0 0 26,798
VANGUARD S&P 500 ETF ETF 922908363 324 933 SH   SOLE 0 500 0 433
ISHARES IBONDS DEC 2027 TERM MUNI BOND ETF ETF 46435U283 12,991 516,150 SH   SOLE 0 23,879 0 492,271
ISHARES 0-5 YEAR TIPS BOND ETF ETF 46429B747 14,019 138,211 SH   SOLE 0 4,618 0 133,593
VANECK GOLD MINERS ETF ETF 92189F106 12,391 452,540 SH   SOLE 0 18,976 0 433,564
ISHARES RUSSELL 2000 ETF ETF 464287655 262 1,549 SH   SOLE 0 19 0 1,530
ISHARES SELECT DIVIDEND ETF ETF 464287168 615 5,229 SH   SOLE 0 2,449 0 2,780
GLOBAL X SUPERDIVIDEND ETF ETF 37950E549 902 97,138 SH   SOLE 0 14,535 0 82,603
VANGUARD SMALL-CAP VALUE INDEX FUND ETF 922908611 2,215 14,783 SH   SOLE 0 0 0 14,783
VANGUARD MID-CAP GROWTH INDEX FUND ETF 922908538 495 2,822 SH   SOLE 0 0 0 2,822
VISA INC COM CL A Stock 92826C839 614 3,119 SH   SOLE 0 1,813 0 1,306
VANGUARD SMALL-CAP GROWTH INDEX FUND ETF 922908595 504 2,560 SH   SOLE 0 0 0 2,560
VANGUARD VALUE INDEX FUND ETF 922908744 20,229 153,393 SH   SOLE 0 757 0 152,636
VANGUARD GROWTH INDEX FUND ETF 922908736 11,924 53,497 SH   SOLE 0 259 0 53,238
ISHARES EMERGING MARKETS DIVIDEND ETF ETF 464286319 3,013 113,276 SH   SOLE 0 13,461 0 99,815
ALPS SECTOR DIVIDEND DOGS ETF ETF 00162Q858 812 16,198 SH   SOLE 0 779 0 15,419
CUMMINS INC COM Stock 231021106 213 1,100 SH   SOLE 0 1,000 0 100
SPDR S&P METALS AND MINING ETF ETF 78464A755 1,304 30,043 SH   SOLE 0 0 0 30,043
ETFMG PRIME JUNIOR SILVER MINERS ETF ETF 26924G102 7,536 792,391 SH   SOLE 0 28,885 0 763,506
RESMED INC COM Stock 761152107 210 1,000 SH   SOLE 0 1,000 0 0
MCDONALDS CORP COM Stock 580135101 636 2,575 SH   SOLE 0 1,519 0 1,056
GLOBAL X URANIUM ETF ETF 37954Y871 235 12,657 SH   SOLE 0 0 0 12,657
ISHARES MSCI FRONTIER AND SELECT EM ETF ETF 464286145 527 19,631 SH   SOLE 0 0 0 19,631
VANECK JUNIOR GOLD MINERS ETF ETF 92189F791 323 10,101 SH   SOLE 0 0 0 10,101
SPDR PORTFOLIO SHORT TERM TREASURY ETF ETF 78468R101 204 6,913 SH   SOLE 0 0 0 6,913
CONSUMER DISCRETIONARY SELECT SECTOR SPDR FUND ETF 81369Y407 722 5,255 SH   SOLE 0 85 0 5,170
INVESCO S&P ULTRA DIVIDEND REVENUE ETF ETF 46138G656 3,309 80,113 SH   SOLE 0 12,102 0 68,011
FIDELITY MSCI ENERGY INDEX ETF ETF 316092402 240 12,391 SH   SOLE 0 0 0 12,391
INVESCO BULLETSHARES 2022 CORPORATE BOND ETF ETF 46138J882 3,638 171,706 SH   SOLE 0 6,736 0 164,970
UNION PAC CORP COM Stock 907818108 1,100 5,159 SH   SOLE 0 1,000 0 4,159
ISHARES MBS ETF ETF 464288588 16,832 172,657 SH   SOLE 0 5,865 0 166,792
VANGUARD MID-CAP VALUE INDEX FUND ETF 922908512 702 5,417 SH   SOLE 0 0 0 5,417
JPMORGAN CHASE & CO COM Stock 46625H100 540 4,798 SH   SOLE 0 851 0 3,947
CHEVRON CORP NEW COM Stock 166764100 668 4,617 SH   SOLE 0 309 0 4,308
ISHARES NATIONAL MUNI BOND ETF ETF 464288414 8,568 80,560 SH   SOLE 0 4,095 0 76,465
VANGUARD FTSE DEVELOPED MARKETS ETF ETF 921943858 56,831 1,392,917 SH   SOLE 0 63,274 0 1,329,643
M & T BK CORP COM Stock 55261F104 222 1,395 SH   SOLE 0 0 0 1,395
SPDR S&P DIVIDEND ETF ETF 78464A763 291 2,448 SH   SOLE 0 0 0 2,448
ISHARES INTERNATIONAL SELECT DIVIDEND ETF ETF 464288448 3,622 133,346 SH   SOLE 0 17,311 0 116,035
INTERNATIONAL BUSINESS MACHS COM Stock 459200101 609 4,316 SH   SOLE 0 175 0 4,141
ORACLE CORP COM Stock 68389X105 314 4,491 SH   SOLE 0 285 0 4,206
VANGUARD FTSE EMERGING MARKETS ETF ETF 922042858 1,478 35,494 SH   SOLE 0 0 0 35,494
VANGUARD HIGH DIVIDEND YIELD ETF ETF 921946406 22,500 221,237 SH   SOLE 0 21,959 0 199,278
PFIZER INC COM Stock 717081103 408 7,778 SH   SOLE 0 2,030 0 5,748
3M CO COM Stock 88579Y101 486 3,753 SH   SOLE 0 633 0 3,120
ALPHABET INC CAP STK CL C Stock 02079K107 348 159 SH   SOLE 0 109 0 50
SPDR SSGA ULTRA SHORT TERM BOND ETF ETF 78467V707 11,358 285,228 SH   SOLE 0 10,307 0 274,921
AMGEN INC COM Stock 031162100 693 2,847 SH   SOLE 0 606 0 2,241
VANECK SHORT HIGH YIELD MUNI ETF ETF 92189F387 1,397 62,214 SH   SOLE 0 74 0 62,140
ALERIAN ENERGY INFRASTRUCTURE ETF ETF 00162Q676 464 22,985 SH   SOLE 0 1,752 0 21,233
ISHARES CORE U.S. AGGREGATE BOND ETF ETF 464287226 20,343 200,069 SH   SOLE 0 6,927 0 193,142
ISHARES S&P SMALL-CAP 600 VALUE ETF ETF 464287879 16,406 184,279 SH   SOLE 0 10,200 0 174,079
INVESCO BULLETSHARES 2023 CORPORATE BOND ETF ETF 46138J866 3,604 172,021 SH   SOLE 0 6,786 0 165,235
INVESCO BULLETSHARES 2024 CORPORATE BOND ETF ETF 46138J841 3,528 170,116 SH   SOLE 0 6,772 0 163,344
VANGUARD SHORT-TERM BOND INDEX FUND ETF 921937827 20,767 270,445 SH   SOLE 0 9,225 0 261,220
VANGUARD MEGA CAP ETF ETF 921910873 1,167 8,851 SH   SOLE 0 0 0 8,851
BRISTOL-MYERS SQUIBB CO COM Stock 110122108 201 2,616 SH   SOLE 0 1,000 0 1,616
EXXON MOBIL CORP COM Stock 30231G102 891 10,401 SH   SOLE 0 1,041 0 9,360
UNITEDHEALTH GROUP INC COM Stock 91324P102 218 424 SH   SOLE 0 36 0 388
LOWES COS INC COM Stock 548661107 388 2,221 SH   SOLE 0 0 0 2,221
COLGATE PALMOLIVE CO COM Stock 194162103 372 4,636 SH   SOLE 0 2,000 0 2,636
SPDR PORTFOLIO DEVELOPED WORLD EX-US ETF ETF 78463X889 4,531 157,116 SH   SOLE 0 23,662 0 133,454
ISHARES S&P MIDCAP FUND ETF 464287507 314 1,390 SH   SOLE 0 0 0 1,390
VANGUARD TAX-EXEMPT BOND ETF ETF 922907746 13,315 266,724 SH   SOLE 0 22,534 0 244,190
ISHARES MSCI EAFE ETF ETF 464287465 16,704 267,305 SH   SOLE 0 1,363 0 265,942
APPLE INC COM Stock 037833100 1,285 9,400 SH   SOLE 0 3,516 0 5,884
ISHARES RUSSELL 1000 ETF ETF 464287622 558 2,684 SH   SOLE 0 0 0 2,684