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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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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
3M CO COM 88579Y101   227,497 1,528 SH   SOLE 0 0 0 1,528
AMAZON COM INC COM 023135106   710,669 218 SH   SOLE 0 0 0 218
APPLE INC COM 037833100   2,823,094 16,168 SH   SOLE 0 0 0 16,168
ARK ETF TR INNOVATION ETF 00214Q104   331,031 4,994 SH   SOLE 0 0 0 4,994
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   1,090,492 3,090 SH   SOLE 0 0 0 3,090
BERKSHIRE HILLS BANCORP INC COM 084680107   1,296,726 44,761 SH   SOLE 0 0 0 44,761
BOEING CO COM 097023105   218,119 1,139 SH   SOLE 0 0 0 1,139
CHEVRON CORP NEW COM 166764100   240,500 1,477 SH   SOLE 0 0 0 1,477
COSTCO WHSL CORP NEW COM 22160K105   311,535 541 SH   SOLE 0 0 0 541
FIRST TR EXCH TRD ALPHDX FD EMERG MKT ALPH 33737J182   353,971 14,080 SH   SOLE 0 0 0 14,080
FIRST TR EXCHANGE TRADED FD MATERIALS ALPH 33734X168   3,154,728 44,042 SH   SOLE 0 0 0 44,042
FIRST TR EXCHANGE-TRADED FD DJ INTERNT IDX 33733E302   2,455,967 13,072 SH   SOLE 0 0 0 13,072
FIRST TR LRG CP VL ALPHADEX COM SHS 33735J101   886,507 12,571 SH   SOLE 0 0 0 12,571
FIRST TR MULTI CP VAL ALPHA SHS ISSUED FRST 33733C108   329,734 4,415 SH   SOLE 0 0 0 4,415
FIRST TRUST LRGCP GWT ALPHAD COM SHS 33735K108   1,799,389 16,864 SH   SOLE 0 0 0 16,864
GENERAL MLS INC COM 370334104   471,207 6,958 SH   SOLE 0 0 0 6,958
HERSHEY CO COM 427866108   206,882 955 SH   SOLE 0 0 0 955
HONEYWELL INTL INC COM 438516106   381,961 1,963 SH   SOLE 0 0 0 1,963
INTERNATIONAL BUSINESS MACHS COM 459200101   221,034 1,700 SH   SOLE 0 0 0 1,700
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   455,151 2,886 SH   SOLE 0 0 0 2,886
INVESCO QQQ TR UNIT SER 1 46090E103   4,714,365 13,004 SH   SOLE 0 0 0 13,004
INVESTMENT MANAGERS SER TR I AXS CHANGE FINAN 46144X107   341,676 10,886 SH   SOLE 0 0 0 10,886
ISHARES INC MSCI GERMANY ETF 464286806   286,114 10,078 SH   SOLE 0 0 0 10,078
ISHARES INC MSCI PAC JP ETF 464286665   457,945 9,304 SH   SOLE 0 0 0 9,304
ISHARES S&P GSCI COMMODITY- UNIT BEN INT 46428R107   749,307 33,082 SH   SOLE 0 0 0 33,082
ISHARES TR ISHARES BIOTECH 464287556   4,208,178 32,296 SH   SOLE 0 0 0 32,296
ISHARES TR MSCI EMG MKT ETF 464287234   563,235 12,475 SH   SOLE 0 0 0 12,475
ISHARES TR CORE US AGGBD ET 464287226   271,713 2,537 SH   SOLE 0 0 0 2,537
ISHARES TR SELECT DIVID ETF 464287168   484,716 3,783 SH   SOLE 0 0 0 3,783
ISHARES TR TIPS BD ETF 464287176   224,226 1,800 SH   SOLE 0 0 0 1,800
ISHARES TR MRGSTR MD CP GRW 464288307   8,092,723 125,898 SH   SOLE 0 0 0 125,898
ISHARES TR RUS MD CP GR ETF 464287481   1,414,480 14,074 SH   SOLE 0 0 0 14,074
ISHARES TR RUS MDCP VAL ETF 464287473   8,672,925 72,492 SH   SOLE 0 0 0 72,492
ISHARES TR GLOBAL TECH ETF 464287291   648,150 11,173 SH   SOLE 0 0 0 11,173
ISHARES TR U.S. FINLS ETF 464287788   6,503,569 76,938 SH   SOLE 0 0 0 76,938
ISHARES TR US HLTHCARE ETF 464287762   4,857,530 16,820 SH   SOLE 0 0 0 16,820
ISHARES TR U.S. TECH ETF 464287721   748,986 7,269 SH   SOLE 0 0 0 7,269
ISHARES TR LATN AMER 40 ETF 464287390   273,176 8,989 SH   SOLE 0 0 0 8,989
ISHARES TR RUS 2000 GRW ETF 464287648   556,001 2,174 SH   SOLE 0 0 0 2,174
ISHARES TR CORE S&P MCP ETF 464287507   2,174,091 8,102 SH   SOLE 0 0 0 8,102
ISHARES TR S&P MC 400VL ETF 464287705   3,318,145 30,264 SH   SOLE 0 0 0 30,264
ISHARES TR S&P MC 400GR ETF 464287606   7,823,075 101,243 SH   SOLE 0 0 0 101,243
ISHARES TR CORE S&P SCP ETF 464287804   1,703,965 15,795 SH   SOLE 0 0 0 15,795
ISHARES TR SP SMCP600VL ETF 464287879   11,508,955 112,403 SH   SOLE 0 0 0 112,403
ISHARES TR S&P SML 600 GWT 464287887   6,427,638 51,380 SH   SOLE 0 0 0 51,380
ISHARES TR S&P 500 VAL ETF 464287408   383,227 2,461 SH   SOLE 0 0 0 2,461
ISHARES TR CORE S&P500 ETF 464287200   436,450 962 SH   SOLE 0 0 0 962
ISHARES TR S&P 500 GRWT ETF 464287309   1,666,153 21,814 SH   SOLE 0 0 0 21,814
ISHARES TR RUS 1000 VAL ETF 464287598   1,074,389 6,473 SH   SOLE 0 0 0 6,473
ISHARES TR RUS 1000 GRW ETF 464287614   10,219,838 36,811 SH   SOLE 0 0 0 36,811
ISHARES TR RUS 2000 VAL ETF 464287630   275,994 1,710 SH   SOLE 0 0 0 1,710
ISHARES TR U.S. REAL ES ETF 464287739   465,346 4,300 SH   SOLE 0 0 0 4,300
ISHARES TR US INFRASTRUC 46435U713   524,647 13,470 SH   SOLE 0 0 0 13,470
ISHARES TR IBONDS DEC23 ETF 46434VAX8   497,687 19,687 SH   SOLE 0 0 0 19,687
ISHARES TR IBONDS DEC22 ETF 46434VBA7   850,809 33,978 SH   SOLE 0 0 0 33,978
ISHARES TR IBOXX HI YD ETF 464288513   292,387 3,553 SH   SOLE 0 0 0 3,553
ISHARES TR MSCI EAFE MIN VL 46429B689   880,252 12,202 SH   SOLE 0 0 0 12,202
ISHARES TR HDG MSCI EAFE 46434V803   547,995 16,146 SH   SOLE 0 0 0 16,146
ISHARES TR CORE DIV GRWTH 46434V621   26,392,269 494,145 SH   SOLE 0 0 0 494,145
ISHARES TR NEW YORK MUN ETF 464288323   2,039,024 37,379 SH   SOLE 0 0 0 37,379
J P MORGAN EXCHANGE-TRADED F DIV RTN EM EQT 46641Q308   309,852 5,561 SH   SOLE 0 0 0 5,561
J P MORGAN EXCHANGE-TRADED F EQUITY PREMIUM 46641Q332   255,424 4,160 SH   SOLE 0 0 0 4,160
LOCKHEED MARTIN CORP COM 539830109   224,800 509 SH   SOLE 0 0 0 509
LOWES COS INC COM 548661107   953,757 4,717 SH   SOLE 0 0 0 4,717
MICROSOFT CORP COM 594918104   518,577 1,682 SH   SOLE 0 0 0 1,682
PROCTER AND GAMBLE CO COM 742718109   961,588 6,293 SH   SOLE 0 0 0 6,293
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771   238,329 4,074 SH   SOLE 0 0 0 4,074
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   212,766 2,697 SH   SOLE 0 0 0 2,697
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   321,275 8,384 SH   SOLE 0 0 0 8,384
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   4,435,674 27,910 SH   SOLE 0 0 0 27,910
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407   473,422 2,559 SH   SOLE 0 0 0 2,559
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109   947,540 2,732 SH   SOLE 0 0 0 2,732
SPDR S&P 500 ETF TR TR UNIT 78462F103   628,231 1,391 SH   SOLE 0 0 0 1,391
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   309,474 631 SH   SOLE 0 0 0 631
SPDR SER TR DJ REIT ETF 78464A607   1,048,589 8,938 SH   SOLE 0 0 0 8,938
SPDR SER TR S&P 600 SMCP VAL 78464A300   1,283,199 15,399 SH   SOLE 0 0 0 15,399
SPDR SER TR S&P 600 SMCP GRW 78464A201   534,752 6,379 SH   SOLE 0 0 0 6,379
SPDR SER TR S&P REGL BKG 78464A698   237,705 3,450 SH   SOLE 0 0 0 3,450
SPDR SER TR S&P 400 MDCP GRW 78464A821   9,855,607 132,807 SH   SOLE 0 0 0 132,807
SPDR SER TR S&P DIVID ETF 78464A763   3,187,761 24,883 SH   SOLE 0 0 0 24,883
STANLEY BLACK & DECKER INC COM 854502101   230,234 1,647 SH   SOLE 0 0 0 1,647
SYSCO CORP COM 871829107   601,862 7,371 SH   SOLE 0 0 0 7,371
UNITED PARCEL SERVICE INC CL B 911312106   479,104 2,234 SH   SOLE 0 0 0 2,234
VANECK ETF TRUST MRNGSTR WDE MOAT 92189F643   555,320 7,434 SH   SOLE 0 0 0 7,434
VANECK ETF TRUST GREEN BOND ETF 92189F171   237,660 9,514 SH   SOLE 0 0 0 9,514
VANGUARD ADMIRAL FDS INC MIDCP 400 GRTH 921932869   794,045 4,128 SH   SOLE 0 0 0 4,128
VANGUARD ADMIRAL FDS INC SMLCP 600 GRTH 921932794   421,227 1,951 SH   SOLE 0 0 0 1,951
VANGUARD INDEX FDS VALUE ETF 922908744   4,283,812 28,988 SH   SOLE 0 0 0 28,988
VANGUARD INDEX FDS SM CP VAL ETF 922908611   6,790,740 38,597 SH   SOLE 0 0 0 38,597
VANGUARD INDEX FDS SMALL CP ETF 922908751   609,720 2,869 SH   SOLE 0 0 0 2,869
VANGUARD INDEX FDS GROWTH ETF 922908736   14,922,385 51,886 SH   SOLE 0 0 0 51,886
VANGUARD INDEX FDS SML CP GRW ETF 922908595   11,903,408 47,972 SH   SOLE 0 0 0 47,972
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   2,726,987 18,220 SH   SOLE 0 0 0 18,220
VANGUARD INDEX FDS LARGE CAP ETF 922908637   610,042 2,926 SH   SOLE 0 0 0 2,926
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538   825,065 3,703 SH   SOLE 0 0 0 3,703
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   570,279 9,902 SH   SOLE 0 0 0 9,902
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   451,830 9,795 SH   SOLE 0 0 0 9,795
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874   781,589 12,550 SH   SOLE 0 0 0 12,550
VANGUARD INTL EQUITY INDEX F FTSE PACIFIC ETF 922042866   1,352,079 18,259 SH   SOLE 0 0 0 18,259
VANGUARD SCOTTSDALE FDS VNG RUS1000GRW 92206C680   2,758,421 38,655 SH   SOLE 0 0 0 38,655
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   335,347 2,068 SH   SOLE 0 0 0 2,068
VANGUARD WELLINGTON FD US VALUE FACTR 921935805   1,085,739 10,174 SH   SOLE 0 0 0 10,174
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   6,226,620 55,471 SH   SOLE 0 0 0 55,471
VANGUARD WORLD FD MEGA GRWTH IND 921910816   1,214,664 5,160 SH   SOLE 0 0 0 5,160
VANGUARD WORLD FDS INF TECH ETF 92204A702   927,501 2,227 SH   SOLE 0 0 0 2,227
WALMART INC COM 931142103   789,127 5,299 SH   SOLE 0 0 0 5,299
WISDOMTREE TR US LARGECAP DIVD 97717W307   236,592 3,600 SH   SOLE 0 0 0 3,600
WISDOMTREE TR US MIDCAP DIVID 97717W505   612,535 13,790 SH   SOLE 0 0 0 13,790