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
LINDE PLC SHS G5494J103 224 800 SH   SOLE   0 0 800
ROYAL CARIBBEAN GROUP COM V7780T103 232 2,708 SH   SOLE   0 0 2,708
AGF INVTS TR AGFIQ US MK ANTI 00110G408 357 20,851 SH   SOLE   0 0 20,851
AT&T INC COM 00206R102 383 12,648 SH   SOLE   0 0 12,648
ABBOTT LABS COM 002824100 236 1,965 SH   SOLE   0 0 1,965
ADOBE SYSTEMS INCORPORATED COM 00724F101 309 651 SH   SOLE   0 0 651
ALPHABET INC CAP STK CL C 02079K107 530 256 SH   SOLE   0 0 256
ALPHABET INC CAP STK CL A 02079K305 1,219 591 SH   SOLE   0 0 591
ALTRIA GROUP INC COM 02209S103 333 6,505 SH   SOLE   0 0 6,505
AMAZON COM INC COM 023135106 2,203 712 SH   SOLE   0 0 712
AMERICAN ELEC PWR CO INC COM 025537101 217 2,560 SH   SOLE   0 0 2,560
AMERISOURCEBERGEN CORP COM 03073E105 428 3,621 SH   SOLE   0 0 3,621
AMGEN INC COM 031162100 329 1,322 SH   SOLE   0 0 1,322
ANALOG DEVICES INC COM 032654105 254 1,637 SH   SOLE   0 0 1,637
ANTHEM INC COM 036752103 299 832 SH   SOLE   0 0 832
APPLE INC COM 037833100 2,414 19,761 SH   SOLE   0 0 19,761
APPLIED MATLS INC COM 038222105 386 2,889 SH   SOLE   0 0 2,889
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,120 4,385 SH   SOLE   0 0 4,385
BOOKING HOLDINGS INC COM 09857L108 697 299 SH   SOLE   0 0 299
CSX CORP COM 126408103 397 4,122 SH   SOLE   0 0 4,122
CARMAX INC COM 143130102 215 1,622 SH   SOLE   0 0 1,622
CATERPILLAR INC COM 149123101 305 1,314 SH   SOLE   0 0 1,314
CEL-SCI CORP COM PAR NEW 150837607 235 15,070 SH   SOLE   0 0 15,070
CHEVRON CORP NEW COM 166764100 284 2,709 SH   SOLE   0 0 2,709
CINTAS CORP COM 172908105 261 765 SH   SOLE   0 0 765
CLOROX CO DEL COM 189054109 212 1,098 SH   SOLE   0 0 1,098
COMCAST CORP NEW CL A 20030N101 700 12,942 SH   SOLE   0 0 12,942
DBX ETF TR XTRACK MSCI EAFE 233051200 300 8,273 SH   SOLE   0 0 8,273
DANAHER CORPORATION COM 235851102 488 2,167 SH   SOLE   0 0 2,167
DISNEY WALT CO COM 254687106 482 2,613 SH   SOLE   0 0 2,613
DOMINION ENERGY INC COM 25746U109 348 4,584 SH   SOLE   0 0 4,584
DRAFTKINGS INC COM CL A 26142R104 287 4,682 SH   SOLE   0 0 4,682
EBAY INC. COM 278642103 417 6,801 SH   SOLE   0 0 6,801
EXXON MOBIL CORP COM 30231G102 716 12,834 SH   SOLE   0 0 12,834
FACEBOOK INC CL A 30303M102 1,407 4,777 SH   SOLE   0 0 4,777
FIVE BELOW INC COM 33829M101 205 1,077 SH   SOLE   0 0 1,077
FORD MTR CO DEL COM 345370860 123 10,048 SH   SOLE   0 0 10,048
GLOBAL X FDS US INFR DEV ETF 37954Y673 212 6,488 SH   SOLE   0 0 6,488
HERSHEY CO COM 427866108 263 1,663 SH   SOLE   0 0 1,663
HOME DEPOT INC COM 437076102 650 2,128 SH   SOLE   0 0 2,128
HONEYWELL INTL INC COM 438516106 373 1,717 SH   SOLE   0 0 1,717
ILLINOIS TOOL WKS INC COM 452308109 413 1,864 SH   SOLE   0 0 1,864
INTEL CORP COM 458140100 325 5,081 SH   SOLE   0 0 5,081
INVESCO QQQ TR UNIT SER 1 46090E103 2,573 7,994 SH   SOLE   0 0 7,994
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 432 3,052 SH   SOLE   0 0 3,052
INVESCO EXCH TRADED FD TR II SR LN ETF 46138G508 205 9,516 SH   SOLE   0 0 9,516
INVESCO CURRENCYSHARES EURO EURO SHS 46138K103 303 2,756 SH   SOLE   0 0 2,756
IQVIA HLDGS INC COM 46266C105 486 2,515 SH   SOLE   0 0 2,515
ISHARES GOLD TR ISHARES 464285105 264 17,957 SH   SOLE   0 0 17,957
ISHARES TR CORE S&P500 ETF 464287200 7,692 19,368 SH   SOLE   0 0 19,368
ISHARES TR CORE US AGGBD ET 464287226 598 5,256 SH   SOLE   0 0 5,256
ISHARES TR MSCI EMG MKT ETF 464287234 2,066 37,982 SH   SOLE   0 0 37,982
ISHARES TR IBOXX INV CP ETF 464287242 1,456 11,195 SH   SOLE   0 0 11,195
ISHARES TR BARCLAYS 7 10 YR 464287440 456 4,040 SH   SOLE   0 0 4,040
ISHARES TR MSCI EAFE ETF 464287465 1,014 13,155 SH   SOLE   0 0 13,155
ISHARES TR CORE S&P MCP ETF 464287507 874 3,416 SH   SOLE   0 0 3,416
ISHARES TR U.S. CNSM SV ETF 464287580 259 3,459 SH   SOLE   0 0 3,459
ISHARES TR RUS 1000 VAL ETF 464287598 5,138 33,902 SH   SOLE   0 0 33,902
ISHARES TR RUSSELL 2000 ETF 464287655 7,251 32,683 SH   SOLE   0 0 32,683
ISHARES TR CORE S&P SCP ETF 464287804 344 3,170 SH   SOLE   0 0 3,170
ISHARES TR EAFE SML CP ETF 464288273 210 2,945 SH   SOLE   0 0 2,945
ISHARES TR JPMORGAN USD EMG 464288281 209 2,068 SH   SOLE   0 0 2,068
ISHARES TR IBOXX HI YD ETF 464288513 585 6,685 SH   SOLE   0 0 6,685
ISHARES TR MBS ETF 464288588 406 3,743 SH   SOLE   0 0 3,743
ISHARES TR PFD AND INCM SEC 464288687 370 9,623 SH   SOLE   0 0 9,623
ISHARES TR EAFE VALUE ETF 464288877 511 9,862 SH   SOLE   0 0 9,862
ISHARES TR EAFE GRWTH ETF 464288885 475 4,735 SH   SOLE   0 0 4,735
ISHARES TR A RATE CP BD ETF 46429B291 1,442 26,014 SH   SOLE   0 0 26,014
ISHARES TR MSCI USA MIN VOL 46429B697 295 4,258 SH   SOLE   0 0 4,258
ISHARES INC CORE MSCI EMKT 46434G103 238 3,779 SH   SOLE   0 0 3,779
ISHARES TR CORE DIV GRWTH 46434V621 442 9,159 SH   SOLE   0 0 9,159
ISHARES TR BROAD USD HIGH 46435U853 215 5,213 SH   SOLE   0 0 5,213
JPMORGAN CHASE & CO COM 46625H100 847 5,561 SH   SOLE   0 0 5,561
JOHNSON & JOHNSON COM 478160104 235 1,428 SH   SOLE   0 0 1,428
KLA CORP COM NEW 482480100 266 804 SH   SOLE   0 0 804
KANSAS CITY SOUTHERN COM NEW 485170302 222 842 SH   SOLE   0 0 842
LAM RESEARCH CORP COM 512807108 384 645 SH   SOLE   0 0 645
LAUDER ESTEE COS INC CL A 518439104 249 856 SH   SOLE   0 0 856
LILLY ELI & CO COM 532457108 374 2,003 SH   SOLE   0 0 2,003
LOCKHEED MARTIN CORP COM 539830109 359 971 SH   SOLE   0 0 971
LOWES COS INC COM 548661107 960 5,050 SH   SOLE   0 0 5,050
MASTERCARD INCORPORATED CL A 57636Q104 1,207 3,389 SH   SOLE   0 0 3,389
MCDONALDS CORP COM 580135101 202 903 SH   SOLE   0 0 903
MCEWEN MNG INC COM 58039P107 17 16,416 SH   SOLE   0 0 16,416
MERCK & CO. INC COM 58933Y105 443 5,751 SH   SOLE   0 0 5,751
MICROSOFT CORP COM 594918104 1,592 6,753 SH   SOLE   0 0 6,753
NETFLIX INC COM 64110L106 528 1,012 SH   SOLE   0 0 1,012
NIKE INC CL B 654106103 345 2,595 SH   SOLE   0 0 2,595
NOVARTIS AG SPONSORED ADR 66987V109 306 3,577 SH   SOLE   0 0 3,577
NVIDIA CORPORATION COM 67066G104 369 690 SH   SOLE   0 0 690
NUVEEN MUNICIPAL CREDIT INC COM SH BEN INT 67070X101 224 13,854 SH   SOLE   0 0 13,854
ORACLE CORP COM 68389X105 733 10,441 SH   SOLE   0 0 10,441
PPL CORP COM 69351T106 205 7,121 SH   SOLE   0 0 7,121
PAYCHEX INC COM 704326107 249 2,539 SH   SOLE   0 0 2,539
PAYPAL HLDGS INC COM 70450Y103 544 2,239 SH   SOLE   0 0 2,239
PEPSICO INC COM 713448108 357 2,522 SH   SOLE   0 0 2,522
PFIZER INC COM 717081103 243 6,700 SH   SOLE   0 0 6,700
PHILIP MORRIS INTL INC COM 718172109 342 3,856 SH   SOLE   0 0 3,856
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 1,187 11,651 SH   SOLE   0 0 11,651
PROCTER AND GAMBLE CO COM 742718109 271 2,005 SH   SOLE   0 0 2,005
PROSHARES TR ULTRASHRT S&P500 74347B383 215 20,014 SH   SOLE   0 0 20,014
PROSHARES TR SHORT S&P 500 NE 74347B425 229 13,686 SH   SOLE   0 0 13,686
PROSHARES TR S&P 500 DV ARIST 74348A467 380 4,409 SH   SOLE   0 0 4,409
QUALCOMM INC COM 747525103 321 2,421 SH   SOLE   0 0 2,421
S&P GLOBAL INC COM 78409V104 264 748 SH   SOLE   0 0 748
SPDR S&P 500 ETF TR TR UNIT 78462F103 7,381 18,681 SH   SOLE   0 0 18,681
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 372 10,524 SH   SOLE   0 0 10,524
SPDR SER TR PORTFOLIO AGRGTE 78464A649 3,256 109,805 SH   SOLE   0 0 109,805
SPDR SER TR PORTFOLIO LN TSR 78464A664 412 10,580 SH   SOLE   0 0 10,580
SPDR SER TR PORTFOLIO S&P400 78464A847 483 10,546 SH   SOLE   0 0 10,546
SPDR SER TR S&P BIOTECH 78464A870 238 1,754 SH   SOLE   0 0 1,754
SPDR SER TR PORTFOLIO S&P600 78468R853 435 10,299 SH   SOLE   0 0 10,299
SCHWAB CHARLES CORP COM 808513105 268 4,116 SH   SOLE   0 0 4,116
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 891 12,214 SH   SOLE   0 0 12,214
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 307 5,990 SH   SOLE   0 0 5,990
SCHWAB STRATEGIC TR US TIPS ETF 808524870 237 3,872 SH   SOLE   0 0 3,872
SPROTT PHYSICAL GOLD TR UNIT 85207H104 794 59,231 SH   SOLE   0 0 59,231
STERLING BANCORP DEL COM 85917A100 628 27,292 SH   SOLE   0 0 27,292
STRYKER CORPORATION COM 863667101 211 865 SH   SOLE   0 0 865
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100 329 2,782 SH   SOLE   0 0 2,782
TESLA INC COM 88160R101 205 307 SH   SOLE   0 0 307
TEXAS INSTRS INC COM 882508104 341 1,806 SH   SOLE   0 0 1,806
3M CO COM 88579Y101 275 1,430 SH   SOLE   0 0 1,430
TYLER TECHNOLOGIES INC COM 902252105 5,688 13,399 SH   SOLE   0 0 13,399
UBER TECHNOLOGIES INC COM 90353T100 233 4,277 SH   SOLE   0 0 4,277
UNILEVER PLC SPON ADR NEW 904767704 301 5,383 SH   SOLE   0 0 5,383
UNITED PARCEL SERVICE INC CL B 911312106 206 1,212 SH   SOLE   0 0 1,212
UNITEDHEALTH GROUP INC COM 91324P102 540 1,450 SH   SOLE   0 0 1,450
VANECK VECTORS ETF TR JP MORGAN MKTS 92189H300 235 7,660 SH   SOLE   0 0 7,660
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 1,269 8,625 SH   SOLE   0 0 8,625
VANGUARD WORLD FD MEGA GRWTH IND 921910816 271 1,310 SH   SOLE   0 0 1,310
VANGUARD WORLD FD MEGA CAP VAL ETF 921910840 269 2,821 SH   SOLE   0 0 2,821
VANGUARD BD INDEX FDS INTERMED TERM 921937819 750 8,453 SH   SOLE   0 0 8,453
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 1,802 21,930 SH   SOLE   0 0 21,930
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 2,344 27,662 SH   SOLE   0 0 27,662
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 396 8,070 SH   SOLE   0 0 8,070
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 719 13,945 SH   SOLE   0 0 13,945
VANGUARD WORLD FDS INF TECH ETF 92204A702 280 742 SH   SOLE   0 0 742
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 756 12,459 SH   SOLE   0 0 12,459
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 317 6,088 SH   SOLE   0 0 6,088
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 557 8,287 SH   SOLE   0 0 8,287
VANGUARD SCOTTSDALE FDS VNG RUS1000VAL 92206C714 221 1,659 SH   SOLE   0 0 1,659
VANGUARD SCOTTSDALE FDS MORTG-BACK SEC 92206C771 988 18,508 SH   SOLE   0 0 18,508
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 396 1,088 SH   SOLE   0 0 1,088
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 350 2,487 SH   SOLE   0 0 2,487
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 427 2,014 SH   SOLE   0 0 2,014
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 447 4,868 SH   SOLE   0 0 4,868
VANGUARD INDEX FDS GROWTH ETF 922908736 253 978 SH   SOLE   0 0 978
VANGUARD INDEX FDS VALUE ETF 922908744 5,240 39,967 SH   SOLE   0 0 39,967
VANGUARD INDEX FDS TOTAL STK MKT 922908769 1,717 8,306 SH   SOLE   0 0 8,306
VERIZON COMMUNICATIONS INC COM 92343V104 685 11,782 SH   SOLE   0 0 11,782
VISA INC COM CL A 92826C839 1,125 5,314 SH   SOLE   0 0 5,314
WASTE MGMT INC DEL COM 94106L109 209 1,619 SH   SOLE   0 0 1,619
WELLS FARGO CO NEW COM 949746101 315 8,059 SH   SOLE   0 0 8,059
WISDOMTREE TR EM MKTS QTLY DIV 97717W323 446 14,986 SH   SOLE   0 0 14,986
WISDOMTREE TR ITL HDG QTLY DIV 97717X594 468 11,328 SH   SOLE   0 0 11,328
WISDOMTREE TR US QTLY DIV GRT 97717X669 841 14,704 SH   SOLE   0 0 14,704
WORLD GOLD TR SPDR GLD MINIS 98149E204 448 26,365 SH   SOLE   0 0 26,365
ZOETIS INC CL A 98978V103 225 1,429 SH   SOLE   0 0 1,429