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 362 2,070 SH   SOLE   0 0 2,070
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 580 2,221 SH   SOLE   0 0 2,221
ALIBABA GROUP HLDG LTD SPONSORED ADS 01609W102 265 1,140 SH   SOLE   0 0 1,140
ALPHABET INC CAP STK CL C 02079K107 450 257 SH   SOLE   0 0 257
AMAZON COM INC COM 023135106 580 178 SH   SOLE   0 0 178
APPLE INC COM 037833100 15,390 115,985 SH   SOLE   0 0 115,985
B2GOLD CORP COM 11777Q209 66 11,700 SH   SOLE   0 0 11,700
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 2,009 8,666 SH   SOLE   0 0 8,666
BOEING CO COM 097023105 209 977 SH   SOLE   0 0 977
CBOE GLOBAL MKTS INC COM 12503M108 1,844 19,800 SH   SOLE   0 0 19,800
COCA COLA CO COM 191216100 594 10,839 SH   SOLE   0 0 10,839
FACEBOOK INC CL A 30303M102 1,208 4,423 SH   SOLE   0 0 4,423
FIRST TR EXCHANGE-TRADED FD FST LOW OPPT EFT 33739Q200 3,319 64,484 SH   SOLE   0 0 64,484
FISERV INC COM 337738108 1,108 9,727 SH   SOLE   0 0 9,727
GENERAL ELECTRIC CO COM 369604103 327 30,268 SH   SOLE   0 0 30,268
GENERAL MLS INC COM 370334104 6,741 114,637 SH   SOLE   0 0 114,637
HOME DEPOT INC COM 437076102 369 1,391 SH   SOLE   0 0 1,391
INTERNATIONAL BUSINESS MACHS COM 459200101 333 2,643 SH   SOLE   0 0 2,643
INVESCO EXCH TRADED FD TR II S&P 500 MOMNTM 46138E339 983 18,579 SH   SOLE   0 0 18,579
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354 2,949 52,438 SH   SOLE   0 0 52,438
INVESCO QQQ TR UNIT SER 1 46090E103 621 1,980 SH   SOLE   0 0 1,980
ISHARES INC CORE MSCI EMKT 46434G103 371 5,987 SH   SOLE   0 0 5,987
ISHARES INC ESG AWR MSCI EM 46434G863 6,767 161,207 SH   SOLE   0 0 161,207
ISHARES TR 0-5YR HI YL CP 46434V407 1,815 39,948 SH   SOLE   0 0 39,948
ISHARES TR 20 YR TR BD ETF 464287432 8,738 55,400 SH   SOLE   0 0 55,400
ISHARES TR 3 7 YR TREAS BD 464288661 11,668 87,742 SH   SOLE   0 0 87,742
ISHARES TR BARCLAYS 7 10 YR 464287440 215 1,791 SH   SOLE   0 0 1,791
ISHARES TR CORE MSCI EAFE 46432F842 10,214 147,841 SH   SOLE   0 0 147,841
ISHARES TR CORE S&P MCP ETF 464287507 1,183 5,147 SH   SOLE   0 0 5,147
ISHARES TR CORE S&P SCP ETF 464287804 278 3,028 SH   SOLE   0 0 3,028
ISHARES TR CORE S&P TTL STK 464287150 511 5,922 SH   SOLE   0 0 5,922
ISHARES TR CORE S&P500 ETF 464287200 29,840 79,491 SH   SOLE   0 0 79,491
ISHARES TR CORE US AGGBD ET 464287226 964 8,158 SH   SOLE   0 0 8,158
ISHARES TR EAFE GRWTH ETF 464288885 32,272 319,814 SH   SOLE   0 0 319,814
ISHARES TR FLTG RATE NT ETF 46429B655 2,291 45,163 SH   SOLE   0 0 45,163
ISHARES TR GLOBAL TECH ETF 464287291 3,576 11,920 SH   SOLE   0 0 11,920
ISHARES TR IBOXX HI YD ETF 464288513 10,433 119,504 SH   SOLE   0 0 119,504
ISHARES TR IBOXX INV CP ETF 464287242 31,167 225,633 SH   SOLE   0 0 225,633
ISHARES TR ISHS 1-5YR INVS 464288646 2,996 54,300 SH   SOLE   0 0 54,300
ISHARES TR MSCI ACWI ETF 464288257 221 2,438 SH   SOLE   0 0 2,438
ISHARES TR MSCI INTL MOMENT 46434V449 2,544 67,582 SH   SOLE   0 0 67,582
ISHARES TR MSCI USA MIN VOL 46429B697 31,162 459,071 SH   SOLE   0 0 459,071
ISHARES TR MSCI USA MMENTM 46432F396 20,555 127,444 SH   SOLE   0 0 127,444
ISHARES TR MSCI USA QLT FCT 46432F339 26,316 226,454 SH   SOLE   0 0 226,454
ISHARES TR MSCI USA SMCP MN 46435G433 638 18,823 SH   SOLE   0 0 18,823
ISHARES TR NATIONAL MUN ETF 464288414 300 2,560 SH   SOLE   0 0 2,560
ISHARES TR RUSSELL 3000 ETF 464287689 5,401 24,160 SH   SOLE   0 0 24,160
ISHARES TR S&P 500 VAL ETF 464287408 2,667 20,830 SH   SOLE   0 0 20,830
ISHARES TR U.S. FIN SVC ETF 464287770 514 3,427 SH   SOLE   0 0 3,427
ISHARES TR U.S. MED DVC ETF 464288810 14,824 45,291 SH   SOLE   0 0 45,291
ISHARES TR US TREAS BD ETF 46429B267 21,836 801,626 SH   SOLE   0 0 801,626
ISHARES U S ETF TR BLACKROCK ST MAT 46431W507 697 13,890 SH   SOLE   0 0 13,890
J & J SNACK FOODS CORP COM 466032109 299 1,924 SH   SOLE   0 0 1,924
J P MORGAN EXCHANGE-TRADED F ULTRA SHRT INC 46641Q837 5,313 104,602 SH   SOLE   0 0 104,602
J P MORGAN EXCHANGE-TRADED F US AGGREGATE 46641Q613 11,602 416,595 SH   SOLE   0 0 416,595
J P MORGAN EXCHANGE-TRADED F US QUALTY FCTR 46641Q761 2,785 77,620 SH   SOLE   0 0 77,620
JOHNSON & JOHNSON COM 478160104 527 3,346 SH   SOLE   0 0 3,346
MANHATTAN BRDG CAP INC COM 562803106 1,940 372,361 SH   SOLE   0 0 372,361
MICROSOFT CORP COM 594918104 580 2,606 SH   SOLE   0 0 2,606
MODERNA INC COM 60770K107 298 2,857 SH   SOLE   0 0 2,857
NETFLIX INC COM 64110L106 373 689 SH   SOLE   0 0 689
PALATIN TECHNOLOGIES INC COM PAR $ .01 696077403 10 15,000 SH   SOLE   0 0 15,000
PEOPLES UNITED FINANCIAL INC COM 712704105 191 14,809 SH   SOLE   0 0 14,809
PIMCO ETF TR ACTIVE BD ETF 72201R775 3,404 30,099 SH   SOLE   0 0 30,099
PROSHARES TR ULTRAPRO SHORT S 74347B268 272 45,866 SH   SOLE   0 0 45,866
QUALCOMM INC COM 747525103 574 3,765 SH   SOLE   0 0 3,765
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 4,284 118,969 SH   SOLE   0 0 118,969
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730 505 17,883 SH   SOLE   0 0 17,883
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 502 8,967 SH   SOLE   0 0 8,967
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 11,558 127,022 SH   SOLE   0 0 127,022
SPDR INDEX SHS FDS DJ GLB RL ES ETF 78463X749 774 17,402 SH   SOLE   0 0 17,402
SPDR S&P 500 ETF TR TR UNIT 78462F103 567 1,516 SH   SOLE   0 0 1,516
SPDR SER TR PORTFOLIO LN TSR 78464A664 695 15,401 SH   SOLE   0 0 15,401
SPDR SER TR S&P 600 SMCP VAL 78464A300 301 4,545 SH   SOLE   0 0 4,545
TESLA INC COM 88160R101 433 613 SH   SOLE   0 0 613
UNION PAC CORP COM 907818108 490 2,352 SH   SOLE   0 0 2,352
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 3,436 41,451 SH   SOLE   0 0 41,451
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 714 12,203 SH   SOLE   0 0 12,203
VANGUARD INDEX FDS MID CAP ETF 922908629 3,143 15,199 SH   SOLE   0 0 15,199
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 1,105 13,015 SH   SOLE   0 0 13,015
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 10,497 30,543 SH   SOLE   0 0 30,543
VANGUARD INDEX FDS SMALL CP ETF 922908751 9,076 46,620 SH   SOLE   0 0 46,620
VANGUARD INDEX FDS TOTAL STK MKT 922908769 385 1,978 SH   SOLE   0 0 1,978
VANGUARD INDEX FDS VALUE ETF 922908744 23,115 194,305 SH   SOLE   0 0 194,305
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 472 9,429 SH   SOLE   0 0 9,429
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 301 3,098 SH   SOLE   0 0 3,098
VANGUARD SCOTTSDALE FDS MORTG-BACK SEC 92206C771 2,827 52,290 SH   SOLE   0 0 52,290
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 18,806 225,896 SH   SOLE   0 0 225,896
VANGUARD SCOTTSDALE FDS TOTAL CORP BND 92206C573 779 8,278 SH   SOLE   0 0 8,278
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 1,089 23,068 SH   SOLE   0 0 23,068
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504 312 1,395 SH   SOLE   0 0 1,395
VANGUARD WORLD FDS MATERIALS ETF 92204A801 410 2,611 SH   SOLE   0 0 2,611