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
3M CO COM 88579Y101 332 2,070 SH   SOLE   0 0 2,070
ALIBABA GROUP HLDG LTD SPONSORED ADS 01609W102 345 1,175 SH   SOLE   0 0 1,175
ALPHABET INC CAP STK CL C 02079K107 394 268 SH   SOLE   0 0 268
AMAZON COM INC COM 023135106 526 167 SH   SOLE   0 0 167
APPLE INC COM 037833100 13,952 120,474 SH   SOLE   0 0 120,474
B2GOLD CORP COM 11777Q209 76 11,700 SH   SOLE   0 0 11,700
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,737 8,155 SH   SOLE   0 0 8,155
CBOE GLOBAL MARKETS INC COM 12503M108 1,737 19,800 SH   SOLE   0 0 19,800
COCA COLA CO COM 191216100 557 11,292 SH   SOLE   0 0 11,292
FACEBOOK INC CL A 30303M102 1,205 4,602 SH   SOLE   0 0 4,602
FISERV INC COM 337738108 1,144 11,103 SH   SOLE   0 0 11,103
GENERAL ELECTRIC CO COM 369604103 189 30,268 SH   SOLE   0 0 30,268
GENERAL MLS INC COM 370334104 7,089 114,937 SH   SOLE   0 0 114,937
HERTZ GLOBAL HLDGS INC COM 42806J106 11 10,000 SH   SOLE   0 0 10,000
HOME DEPOT INC COM 437076102 377 1,357 SH   SOLE   0 0 1,357
INTERNATIONAL BUSINESS MACHS COM 459200101 320 2,631 SH   SOLE   0 0 2,631
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354 432 8,059 SH   SOLE   0 0 8,059
INVESCO EXCH TRD SLF IDX FD BULSHS 2020 CB 46138J502 243 11,430 SH   SOLE   0 0 11,430
INVESCO QQQ TR UNIT SER 1 46090E103 517 1,861 SH   SOLE   0 0 1,861
ISHARES INC ESG AWR MSCI EM 46434G863 4,131 116,014 SH   SOLE   0 0 116,014
ISHARES INC CORE MSCI EMKT 46434G103 381 7,216 SH   SOLE   0 0 7,216
ISHARES TR IBOXX INV CP ETF 464287242 44,717 331,947 SH   SOLE   0 0 331,947
ISHARES TR EAFE GRWTH ETF 464288885 33,097 368,230 SH   SOLE   0 0 368,230
ISHARES TR MSCI USA MIN VOL 46429B697 28,243 443,167 SH   SOLE   0 0 443,167
ISHARES TR CORE S&P500 ETF 464287200 27,417 81,582 SH   SOLE   0 0 81,582
ISHARES TR MSCI USA QLT FCT 46432F339 19,529 188,254 SH   SOLE   0 0 188,254
ISHARES TR CORE MSCI EAFE 46432F842 17,875 296,535 SH   SOLE   0 0 296,535
ISHARES TR US TREAS BD ETF 46429B267 14,350 513,409 SH   SOLE   0 0 513,409
ISHARES TR MSCI USA MMENTM 46432F396 14,173 96,150 SH   SOLE   0 0 96,150
ISHARES TR U.S. MED DVC ETF 464288810 13,519 45,120 SH   SOLE   0 0 45,120
ISHARES TR U.S. FIN SVC ETF 464287770 9,560 78,346 SH   SOLE   0 0 78,346
ISHARES TR IBOXX HI YD ETF 464288513 8,991 107,166 SH   SOLE   0 0 107,166
ISHARES TR GLOBAL TECH ETF 464287291 2,558 9,703 SH   SOLE   0 0 9,703
ISHARES TR ISHS 1-5YR INVS 464288646 2,376 43,264 SH   SOLE   0 0 43,264
ISHARES TR FLTG RATE NT ETF 46429B655 2,213 43,641 SH   SOLE   0 0 43,641
ISHARES TR 0-5YR HI YL CP 46434V407 1,345 30,594 SH   SOLE   0 0 30,594
ISHARES TR MSCI USA SMCP MN 46435G433 910 31,156 SH   SOLE   0 0 31,156
ISHARES TR CORE S&P MCP ETF 464287507 788 4,254 SH   SOLE   0 0 4,254
ISHARES TR CORE US AGGBD ET 464287226 769 6,513 SH   SOLE   0 0 6,513
ISHARES TR CORE S&P TTL STK 464287150 457 6,058 SH   SOLE   0 0 6,058
ISHARES TR MSCI ACWI ETF 464288257 377 4,720 SH   SOLE   0 0 4,720
ISHARES TR CORE S&P SCP ETF 464287804 219 3,121 SH   SOLE   0 0 3,121
ISHARES U S ETF TR SHT MAT MUN ETF 46431W838 806 16,065 SH   SOLE   0 0 16,065
J & J SNACK FOODS CORP COM 466032109 251 1,924 SH   SOLE   0 0 1,924
J P MORGAN EXCHANGE-TRADED F ULTRA SHRT INC 46641Q837 36,759 723,673 SH   SOLE   0 0 723,673
J P MORGAN EXCHANGE-TRADED F US AGGREGATE 46641Q613 10,961 392,151 SH   SOLE   0 0 392,151
JOHNSON & JOHNSON COM 478160104 510 3,425 SH   SOLE   0 0 3,425
MICROSOFT CORP COM 594918104 606 2,881 SH   SOLE   0 0 2,881
MODERNA INC COM 60770K107 283 4,000 SH   SOLE   0 0 4,000
NETFLIX INC COM 64110L106 345 689 SH   SOLE   0 0 689
PALATIN TECHNOLOGIES INC COM PAR $ .01 696077403 7 15,000 SH   SOLE   0 0 15,000
PEOPLES UNITED FINANCIAL INC COM 712704105 153 14,809 SH   SOLE   0 0 14,809
PIMCO ETF TR ACTIVE BD ETF 72201R775 3,363 29,909 SH   SOLE   0 0 29,909
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 1,416 13,886 SH   SOLE   0 0 13,886
PROSHARES TR ULTRAPRO SHORT S 74347B268 921 105,866 SH   SOLE   0 0 105,866
QUALCOMM INC COM 747525103 467 3,965 SH   SOLE   0 0 3,965
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 10,488 131,690 SH   SOLE   0 0 131,690
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 4,178 133,064 SH   SOLE   0 0 133,064
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 504 8,990 SH   SOLE   0 0 8,990
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730 464 19,569 SH   SOLE   0 0 19,569
SPDR INDEX SHS FDS DJ GLB RL ES ETF 78463X749 750 18,991 SH   SOLE   0 0 18,991
SPDR S&P 500 ETF TR TR UNIT 78462F103 422 1,260 SH   SOLE   0 0 1,260
SPDR SER TR PORTFOLIO LN TSR 78464A664 673 14,399 SH   SOLE   0 0 14,399
SPDR SER TR S&P 600 SMCP VAL 78464A300 207 4,133 SH   SOLE   0 0 4,133
TESLA INC COM 88160R101 263 613 SH   SOLE   0 0 613
UNION PAC CORP COM 907818108 463 2,352 SH   SOLE   0 0 2,352
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 850 14,604 SH   SOLE   0 0 14,604
VANGUARD INDEX FDS VALUE ETF 922908744 21,258 203,402 SH   SOLE   0 0 203,402
VANGUARD INDEX FDS SMALL CP ETF 922908751 20,315 132,088 SH   SOLE   0 0 132,088
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 6,112 19,868 SH   SOLE   0 0 19,868
VANGUARD INDEX FDS MID CAP ETF 922908629 2,725 15,458 SH   SOLE   0 0 15,458
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 974 12,338 SH   SOLE   0 0 12,338
VANGUARD INDEX FDS TOTAL STK MKT 922908769 337 1,978 SH   SOLE   0 0 1,978
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 410 9,478 SH   SOLE   0 0 9,478
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 17,157 207,083 SH   SOLE   0 0 207,083
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 297 3,098 SH   SOLE   0 0 3,098
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 525 12,831 SH   SOLE   0 0 12,831
VANGUARD WORLD FDS MATERIALS ETF 92204A801 351 2,611 SH   SOLE   0 0 2,611
WISDOMTREE TR US QTLY DIV GRT 97717X669 651 13,127 SH   SOLE   0 0 13,127