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
ISHARES TR CORE S&P SCP ETF 464287804 637 5,834 SH   SOLE 0 0 0 5,834
ISHARES TR S&P 500 VAL ETF 464287408 1,439 9,898 SH   SOLE 0 0 0 9,898
ISHARES TR CORE S&P500 ETF 464287200 1,244 2,888 SH   SOLE 0 0 0 2,888
ISHARES TR RUSSELL 2000 ETF 464287655 1,669 7,629 SH   SOLE 0 0 0 7,629
ISHARES TR RUS 2000 VAL ETF 464287630 1,721 10,742 SH   SOLE 0 0 0 10,742
ISHARES TR U.S. REAL ES ETF 464287739 3,388 33,086 SH   SOLE 0 0 0 33,086
SPDR S&P 500 ETF TR TR UNIT 78462F103 521 1,213 SH   SOLE 0 0 0 1,213
ADOBE SYSTEMS INCORPORATED COM 00724F101 795 1,381 SH   SOLE 0 0 0 1,381
AMAZON COM INC COM 023135106 890 271 SH   SOLE 0 0 0 271
BRISTOL-MYERS SQUIBB CO COM 110122108 1,404 23,723 SH   SOLE 0 0 0 23,723
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,239 4,538 SH   SOLE 0 0 0 4,538
CARLISLE COS INC COM 142339100 420 2,115 SH   SOLE 0 0 0 2,115
AMGEN INC COM 031162100 752 3,537 SH   SOLE 0 0 0 3,537
ABBOTT LABS COM 002824100 607 5,140 SH   SOLE 0 0 0 5,140
INTEL CORP COM 458140100 685 12,853 SH   SOLE 0 0 0 12,853
ORACLE CORP COM 68389X105 540 6,200 SH   SOLE 0 0 0 6,200
QUALCOMM INC COM 747525103 1,096 8,496 SH   SOLE 0 0 0 8,496
DISNEY WALT CO COM 254687106 1,006 5,946 SH   SOLE 0 0 0 5,946
JOHNSON & JOHNSON COM 478160104 1,643 10,176 SH   SOLE 0 0 0 10,176
PFIZER INC COM 717081103 483 11,227 SH   SOLE 0 0 0 11,227
LOWES COS INC COM 548661107 680 3,350 SH   SOLE 0 0 0 3,350
ISHARES TR MSCI EAFE ETF 464287465 234 3,003 SH   SOLE 0 0 0 3,003
MICROSOFT CORP COM 594918104 2,986 10,591 SH   SOLE 0 0 0 10,591
CISCO SYS INC COM 17275R102 1,464 26,903 SH   SOLE 0 0 0 26,903
COCA COLA CO COM 191216100 653 12,438 SH   SOLE 0 0 0 12,438
PEPSICO INC COM 713448108 1,406 9,349 SH   SOLE 0 0 0 9,349
STRYKER CORPORATION COM 863667101 496 1,880 SH   SOLE 0 0 0 1,880
VERIZON COMMUNICATIONS INC COM 92343V104 640 11,850 SH   SOLE 0 0 0 11,850
SELECT SECTOR SPDR TR FINANCIAL 81369Y605 664 17,689 SH   SOLE 0 0 0 17,689
ISHARES TR ISHARES BIOTECH 464287556 586 3,628 SH   SOLE 0 0 0 3,628
DEERE & CO COM 244199105 249 742 SH   SOLE 0 0 0 742
STARBUCKS CORP COM 855244109 902 8,174 SH   SOLE 0 0 0 8,174
AUTOMATIC DATA PROCESSING IN COM 053015103 589 2,945 SH   SOLE 0 0 0 2,945
EXXON MOBIL CORP COM 30231G102 386 6,557 SH   SOLE 0 0 0 6,557
WALMART INC COM 931142103 467 3,352 SH   SOLE 0 0 0 3,352
UNILEVER PLC SPON ADR NEW 904767704 239 4,400 SH   SOLE 0 0 0 4,400
TARGET CORP COM 87612E106 842 3,679 SH   SOLE 0 0 0 3,679
COLGATE PALMOLIVE CO COM 194162103 272 3,600 SH   SOLE 0 0 0 3,600
COSTCO WHSL CORP NEW COM 22160K105 3,125 6,955 SH   SOLE 0 0 0 6,955
CVS HEALTH CORP COM 126650100 1,376 16,221 SH   SOLE 0 0 0 16,221
DOMINION ENERGY INC COM 25746U109 292 3,994 SH   SOLE 0 0 0 3,994
DIAGEO PLC SPON ADR NEW 25243Q205 582 3,015 SH   SOLE 0 0 0 3,015
DANAHER CORPORATION COM 235851102 864 2,837 SH   SOLE 0 0 0 2,837
MERCK & CO INC COM 58933Y105 482 6,411 SH   SOLE 0 0 0 6,411
NOVARTIS AG SPONSORED ADR 66987V109 412 5,034 SH   SOLE 0 0 0 5,034
PROCTER AND GAMBLE CO COM 742718109 823 5,884 SH   SOLE 0 0 0 5,884
GENERAL ELECTRIC CO COM NEW 369604301 804 7,802 SH   SOLE 0 0 0 7,802
HOME DEPOT INC COM 437076102 2,025 6,169 SH   SOLE 0 0 0 6,169
MCDONALDS CORP COM 580135101 754 3,129 SH   SOLE 0 0 0 3,129
NIKE INC CL B 654106103 677 4,660 SH   SOLE 0 0 0 4,660
JPMORGAN CHASE & CO COM 46625H100 1,268 7,748 SH   SOLE 0 0 0 7,748
TJX COS INC NEW COM 872540109 375 5,680 SH   SOLE 0 0 0 5,680
WILLIS TOWERS WATSON PLC LTD SHS G96629103 293 1,260 SH   SOLE 0 0 0 1,260
ISHARES TR 1 3 YR TREAS BD 464287457 970 11,262 SH   SOLE 0 0 0 11,262
UNITEDHEALTH GROUP INC COM 91324P102 529 1,354 SH   SOLE 0 0 0 1,354
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 885 2,766 SH   SOLE 0 0 0 2,766
RAYTHEON TECHNOLOGIES CORP COM 75513E101 726 8,444 SH   SOLE 0 0 0 8,444
3M CO COM 88579Y101 413 2,353 SH   SOLE 0 0 0 2,353
NEXTERA ENERGY INC COM 65339F101 1,552 19,768 SH   SOLE 0 0 0 19,768
CONSTELLATION BRANDS INC CL A 21036P108 281 1,335 SH   SOLE 0 0 0 1,335
CSX CORP COM 126408103 277 9,330 SH   SOLE 0 0 0 9,330
APPLE INC COM 037833100 9,185 64,909 SH   SOLE 0 0 0 64,909
KINDER MORGAN INC DEL COM 49456B101 859 51,333 SH   SOLE 0 0 0 51,333
ELECTRONIC ARTS INC COM 285512109 297 2,085 SH   SOLE 0 0 0 2,085
AMERICAN EXPRESS CO COM 025816109 809 4,828 SH   SOLE 0 0 0 4,828
SONY GROUP CORPORATION SPONSORED ADR 835699307 779 7,041 SH   SOLE 0 0 0 7,041
NORTHROP GRUMMAN CORP COM 666807102 434 1,206 SH   SOLE 0 0 0 1,206
ISHARES TR MSCI AC ASIA ETF 464288182 255 3,000 SH   SOLE 0 0 0 3,000
CIGNA CORP NEW COM 125523100 497 2,482 SH   SOLE 0 0 0 2,482
PNC FINL SVCS GROUP INC COM 693475105 1,153 5,891 SH   SOLE 0 0 0 5,891
NETFLIX INC COM 64110L106 345 566 SH   SOLE 0 0 0 566
ISHARES TR CORE US AGGBD ET 464287226 212 1,844 SH   SOLE 0 0 0 1,844
PROLOGIS INC. COM 74340W103 579 4,616 SH   SOLE 0 0 0 4,616
WP CAREY INC COM 92936U109 204 2,795 SH   SOLE 0 0 0 2,795
BIOGEN INC COM 09062X103 886 3,131 SH   SOLE 0 0 0 3,131
ISHARES TR SELECT DIVID ETF 464287168 1,463 12,755 SH   SOLE 0 0 0 12,755
ISHARES TR TIPS BD ETF 464287176 1,632 12,783 SH   SOLE 0 0 0 12,783
MID-AMER APT CMNTYS INC COM 59522J103 268 1,435 SH   SOLE 0 0 0 1,435
V F CORP COM 918204108 229 3,425 SH   SOLE 0 0 0 3,425
TRAVELERS COMPANIES INC COM 89417E109 376 2,475 SH   SOLE 0 0 0 2,475
L3HARRIS TECHNOLOGIES INC COM 502431109 242 1,097 SH   SOLE 0 0 0 1,097
EATON CORP PLC SHS G29183103 417 2,795 SH   SOLE 0 0 0 2,795
COGNIZANT TECHNOLOGY SOLUTIO CL A 192446102 333 4,485 SH   SOLE 0 0 0 4,485
FACTSET RESH SYS INC COM 303075105 422 1,070 SH   SOLE 0 0 0 1,070
YUM BRANDS INC COM 988498101 670 5,476 SH   SOLE 0 0 0 5,476
CINTAS CORP COM 172908105 310 815 SH   SOLE 0 0 0 815
ALPHABET INC CAP STK CL A 02079K305 2,660 995 SH   SOLE 0 0 0 995
SPDR GOLD TR GOLD SHS 78463V107 334 2,035 SH   SOLE 0 0 0 2,035
WEC ENERGY GROUP INC COM 92939U106 376 4,265 SH   SOLE 0 0 0 4,265
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 204 2,007 SH   SOLE 0 0 0 2,007
INTUITIVE SURGICAL INC COM NEW 46120E602 1,491 1,500 SH   SOLE 0 0 0 1,500
TORONTO DOMINION BK ONT COM NEW 891160509 620 9,366 SH   SOLE 0 0 0 9,366
TELEPHONE & DATA SYS INC COM NEW 879433829 2,227 114,210 SH   SOLE 0 0 0 114,210
BLACKROCK INC COM 09247X101 407 485 SH   SOLE 0 0 0 485
ROYAL DUTCH SHELL PLC SPONS ADR A 780259206 337 7,551 SH   SOLE 0 0 0 7,551
GARMIN LTD SHS H2906T109 835 5,368 SH   SOLE 0 0 0 5,368
REPUBLIC SVCS INC COM 760759100 321 2,675 SH   SOLE 0 0 0 2,675
ABIOMED INC COM 003654100 326 1,000 SH   SOLE 0 0 0 1,000
PARKER-HANNIFIN CORP COM 701094104 516 1,844 SH   SOLE 0 0 0 1,844
BOSTON BEER INC CL A 100557107 204 400 SH   SOLE 0 0 0 400
VIACOMCBS INC CL B 92556H206 530 13,415 SH   SOLE 0 0 0 13,415
ISHARES GOLD TR ISHARES NEW 464285204 3,319 99,338 SH   SOLE 0 0 0 99,338
THERMO FISHER SCIENTIFIC INC COM 883556102 541 947 SH   SOLE 0 0 0 947
ISHARES TR EAFE VALUE ETF 464288877 1,680 33,035 SH   SOLE 0 0 0 33,035
BROWN FORMAN CORP CL B 115637209 209 3,125 SH   SOLE 0 0 0 3,125
SPDR SER TR NUVEEN BLMBRG SR 78468R739 411 8,326 SH   SOLE 0 0 0 8,326
BARCLAYS BANK PLC DJUBS CMDT ETN36 06738C778 1,046 35,766 SH   SOLE 0 0 0 35,766
DIGITAL RLTY TR INC COM 253868103 289 2,000 SH   SOLE 0 0 0 2,000
ENERGY TRANSFER L P COM UT LTD PTN 29273V100 128 13,376 SH   SOLE 0 0 0 13,376
ISHARES S&P GSCI COMMODITY- UNIT BEN INT 46428R107 497 29,495 SH   SOLE 0 0 0 29,495
LEIDOS HOLDINGS INC COM 525327102 201 2,090 SH   SOLE 0 0 0 2,090
SPDR INDEX SHS FDS DJ INTL RL ETF 78463X863 1,450 40,856 SH   SOLE 0 0 0 40,856
ISHARES TR ISHS 1-5YR INVS 464288646 464 8,501 SH   SOLE 0 0 0 8,501
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 955 11,650 SH   SOLE 0 0 0 11,650
BANK NEW YORK MELLON CORP COM 064058100 310 5,980 SH   SOLE 0 0 0 5,980
ISHARES TR 3 7 YR TREAS BD 464288661 10,330 79,356 SH   SOLE 0 0 0 79,356
ISHARES TR EAFE SML CP ETF 464288273 1,538 20,675 SH   SOLE 0 0 0 20,675
VISA INC COM CL A 92826C839 1,175 5,277 SH   SOLE 0 0 0 5,277
VANECK ETF TRUST VANECK SHRT MUNI 92189F528 553 30,727 SH   SOLE 0 0 0 30,727
SPDR INDEX SHS FDS DJ GLB RL ES ETF 78463X749 257 5,027 SH   SOLE 0 0 0 5,027
ISHARES TR MSCI ACWI ETF 464288257 615 6,156 SH   SOLE 0 0 0 6,156
ISHARES TR SHRT NAT MUN ETF 464288158 1,131 10,516 SH   SOLE 0 0 0 10,516
SPDR SER TR BLOMBERG BRC INT 78464A334 378 12,160 SH   SOLE 0 0 0 12,160
TESLA INC COM 88160R101 545 703 SH   SOLE 0 0 0 703
ISHARES TR FLTG RATE NT ETF 46429B655 313 6,149 SH   SOLE 0 0 0 6,149
FACEBOOK INC CL A 30303M102 839 2,472 SH   SOLE 0 0 0 2,472
ABBVIE INC COM 00287Y109 440 4,081 SH   SOLE 0 0 0 4,081
INVESCO EXCH TRD SLF IDX FD BULSHS 2021 CB 46138J700 370 17,550 SH   SOLE 0 0 0 17,550
INVESCO EXCH TRD SLF IDX FD BULSHS 2022 CB 46138J882 560 26,007 SH   SOLE 0 0 0 26,007
ISHARES TR 0-5YR INVT GR CP 46434V100 916 17,734 SH   SOLE 0 0 0 17,734
ALLEGION PLC ORD SHS G0176J109 308 2,333 SH   SOLE 0 0 0 2,333
ALPHABET INC CAP STK CL C 02079K107 1,972 740 SH   SOLE 0 0 0 740
ISHARES TR CORE DIV GRWTH 46434V621 389 7,746 SH   SOLE 0 0 0 7,746
INVESCO EXCH TRD SLF IDX FD BULSHS 2023 CB 46138J866 692 31,925 SH   SOLE 0 0 0 31,925
INVESCO EXCH TRD SLF IDX FD BULSHS 2024 CB 46138J841 547 24,730 SH   SOLE 0 0 0 24,730
INVESCO ACTIVLY MANGD ETC FD OPTIMUM YIELD 46090F100 210 9,984 SH   SOLE 0 0 0 9,984
ETF MANAGERS TR PRIME CYBR SCRTY 26924G201 252 4,149 SH   SOLE 0 0 0 4,149
PAYPAL HLDGS INC COM 70450Y103 739 2,840 SH   SOLE 0 0 0 2,840
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 788 14,396 SH   SOLE 0 0 0 14,396
YUM CHINA HLDGS INC COM 98850P109 293 5,038 SH   SOLE 0 0 0 5,038
J P MORGAN EXCHANGE-TRADED F ULTRA SHRT INC 46641Q837 1,000 19,720 SH   SOLE 0 0 0 19,720
DUPONT DE NEMOURS INC COM 26614N102 755 11,106 SH   SOLE 0 0 0 11,106
GLOBAL X FDS ARTIFICIAL ETF 37954Y632 256 8,456 SH   SOLE 0 0 0 8,456
BARCLAYS BANK PLC IPTH SR B S&P 06747R477 307 11,019 SH   SOLE 0 0 0 11,019
FIDELITY MERRIMACK STR TR LOW DURTIN ETF 316188408 627 12,340 SH   SOLE 0 0 0 12,340
CHEWY INC CL A 16679L109 333 4,882 SH   SOLE 0 0 0 4,882