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<infoTable>
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<infoTable>
  <nameOfIssuer>ABBVIE INC.</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
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  <nameOfIssuer>ACCENTURE PLC</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
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  <nameOfIssuer>AGILENT TECHNOLOGIES</nameOfIssuer>
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  <nameOfIssuer>AKAMAI TECHNOLOGIES, INC.</nameOfIssuer>
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  <nameOfIssuer>ALIBABA GROUP HOLDING</nameOfIssuer>
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  <nameOfIssuer>ALLEGHANY CORP DEL</nameOfIssuer>
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  <nameOfIssuer>ALLISON TRANSMISSION HOLDING</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
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  <nameOfIssuer>ALPHABET INC CAP STK CL A</nameOfIssuer>
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  <nameOfIssuer>ALPHABET INC CAP STK CL C</nameOfIssuer>
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<infoTable>
  <nameOfIssuer>ALTRIA GROUP INC</nameOfIssuer>
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<infoTable>
  <nameOfIssuer>AMERICAN EXPRESS CO</nameOfIssuer>
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  <nameOfIssuer>AMERICAN INTL GROUP</nameOfIssuer>
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<infoTable>
  <nameOfIssuer>AMERISOURCEBERGEN CORP.</nameOfIssuer>
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  <nameOfIssuer>BANK AMER CORP COM</nameOfIssuer>
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  <nameOfIssuer>BANK NEW YORK MELLON CORP</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
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  <nameOfIssuer>BECTON DICKINSON &amp; CO</nameOfIssuer>
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  <nameOfIssuer>BERKSHIRE HATHAWAY INC CL A</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
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<infoTable>
  <nameOfIssuer>BERKSHIRE HATHAWAY INC CL B</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
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  <nameOfIssuer>BOOKING HOLDINGS INC</nameOfIssuer>
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<infoTable>
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<infoTable>
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<infoTable>
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<infoTable>
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<infoTable>
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<infoTable>
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<infoTable>
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<infoTable>
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<infoTable>
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<infoTable>
  <nameOfIssuer>COSTCO WHOLESALE CORP</nameOfIssuer>
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<infoTable>
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<infoTable>
  <nameOfIssuer>CVS HEALTH CORP.</nameOfIssuer>
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<infoTable>
  <nameOfIssuer>DANAHER CORP DEL</nameOfIssuer>
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<infoTable>
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<infoTable>
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<infoTable>
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<infoTable>
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<infoTable>
  <nameOfIssuer>DOLLAR TREE, INC.</nameOfIssuer>
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<infoTable>
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<infoTable>
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<infoTable>
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<infoTable>
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<infoTable>
  <nameOfIssuer>EATON VANCE CORP COM NON VTG</nameOfIssuer>
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<infoTable>
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<infoTable>
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<infoTable>
  <nameOfIssuer>EDWARDS LIFESCIENCES</nameOfIssuer>
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<infoTable>
  <nameOfIssuer>ELECTRONIC ARTS INC.</nameOfIssuer>
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<infoTable>
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<infoTable>
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<infoTable>
  <nameOfIssuer>ENTERPRISE PRODUCTS PARTNERS</nameOfIssuer>
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<infoTable>
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<infoTable>
  <nameOfIssuer>HD SUPPLY HOLDINGS, INC.</nameOfIssuer>
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<infoTable>
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<infoTable>
  <nameOfIssuer>SITEONE LANDSCAPE SUPPLY, INC.</nameOfIssuer>
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  <nameOfIssuer>WALGREENS BOOTS ALLIANCE, INC.</nameOfIssuer>
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<infoTable>
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<infoTable>
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<infoTable>
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<infoTable>
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<infoTable>
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<infoTable>
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<infoTable>
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<infoTable>
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  <cusip>464287614</cusip>
  <value>8534</value>
  <shrsOrPrnAmt>
    <sshPrnamt>48511</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>0</Sole>
    <Shared>0</Shared>
    <None>48511</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>ISHARES RUSSELL 1000 INDEX</nameOfIssuer>
  <titleOfClass>ETF</titleOfClass>
  <cusip>464287622</cusip>
  <value>16170</value>
  <shrsOrPrnAmt>
    <sshPrnamt>90628</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>0</Sole>
    <Shared>0</Shared>
    <None>90628</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>ISHARES RUSSELL TOP 200 GROWTH</nameOfIssuer>
  <titleOfClass>ETF</titleOfClass>
  <cusip>464289438</cusip>
  <value>425</value>
  <shrsOrPrnAmt>
    <sshPrnamt>4401</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>0</Sole>
    <Shared>0</Shared>
    <None>4401</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>ISHARES S&amp;P 100 INDEX FUND</nameOfIssuer>
  <titleOfClass>ETF</titleOfClass>
  <cusip>464287101</cusip>
  <value>532</value>
  <shrsOrPrnAmt>
    <sshPrnamt>3690</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>0</Sole>
    <Shared>0</Shared>
    <None>3690</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>ISHARES S&amp;P GLOBAL INDEX 100</nameOfIssuer>
  <titleOfClass>ETF</titleOfClass>
  <cusip>464287572</cusip>
  <value>562</value>
  <shrsOrPrnAmt>
    <sshPrnamt>10410</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>0</Sole>
    <Shared>0</Shared>
    <None>10410</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>ISHARES TR CORE S&amp;P SCP ETF</nameOfIssuer>
  <titleOfClass>ETF</titleOfClass>
  <cusip>464287804</cusip>
  <value>2170</value>
  <shrsOrPrnAmt>
    <sshPrnamt>25882</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>0</Sole>
    <Shared>0</Shared>
    <None>25882</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>ISHARES TR CORE S&amp;P500 ETF</nameOfIssuer>
  <titleOfClass>ETF</titleOfClass>
  <cusip>464287200</cusip>
  <value>57756</value>
  <shrsOrPrnAmt>
    <sshPrnamt>178678</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>0</Sole>
    <Shared>0</Shared>
    <None>178678</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>ISHARES TR RUS 1000 VAL ETF</nameOfIssuer>
  <titleOfClass>ETF</titleOfClass>
  <cusip>464287598</cusip>
  <value>1649</value>
  <shrsOrPrnAmt>
    <sshPrnamt>12081</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>0</Sole>
    <Shared>0</Shared>
    <None>12081</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>ISHARES TR RUSSELL 2000 GROWTH</nameOfIssuer>
  <titleOfClass>ETF</titleOfClass>
  <cusip>464287648</cusip>
  <value>297</value>
  <shrsOrPrnAmt>
    <sshPrnamt>1385</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>0</Sole>
    <Shared>0</Shared>
    <None>1385</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>ISHARES TR S&amp;P500 GRW</nameOfIssuer>
  <titleOfClass>ETF</titleOfClass>
  <cusip>464287309</cusip>
  <value>4066</value>
  <shrsOrPrnAmt>
    <sshPrnamt>20998</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>0</Sole>
    <Shared>0</Shared>
    <None>20998</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>ISHARES TRUST RUSSELL 2000 IND</nameOfIssuer>
  <titleOfClass>ETF</titleOfClass>
  <cusip>464287655</cusip>
  <value>3377</value>
  <shrsOrPrnAmt>
    <sshPrnamt>20382</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>0</Sole>
    <Shared>0</Shared>
    <None>20382</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>ISHARES TRUST S&amp;P MIDCAP 400</nameOfIssuer>
  <titleOfClass>ETF</titleOfClass>
  <cusip>464287507</cusip>
  <value>4147</value>
  <shrsOrPrnAmt>
    <sshPrnamt>20149</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>0</Sole>
    <Shared>0</Shared>
    <None>20149</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>ISHARES US TECHNOLOGY ETF</nameOfIssuer>
  <titleOfClass>ETF</titleOfClass>
  <cusip>464287721</cusip>
  <value>657</value>
  <shrsOrPrnAmt>
    <sshPrnamt>2826</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>0</Sole>
    <Shared>0</Shared>
    <None>2826</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>KBW REGIONAL BANKING ETF</nameOfIssuer>
  <titleOfClass>ETF</titleOfClass>
  <cusip>78464A698</cusip>
  <value>7421</value>
  <shrsOrPrnAmt>
    <sshPrnamt>127392</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>0</Sole>
    <Shared>0</Shared>
    <None>127392</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>NUVEEN DOW 30SM DYNAMIC OVERWR</nameOfIssuer>
  <titleOfClass>ETF</titleOfClass>
  <cusip>67075f105</cusip>
  <value>208</value>
  <shrsOrPrnAmt>
    <sshPrnamt>11787</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>0</Sole>
    <Shared>0</Shared>
    <None>11787</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>SCHWAB US LARGE-CAP ETF</nameOfIssuer>
  <titleOfClass>ETF</titleOfClass>
  <cusip>808524201</cusip>
  <value>335</value>
  <shrsOrPrnAmt>
    <sshPrnamt>4365</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>0</Sole>
    <Shared>0</Shared>
    <None>4365</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>SELECT SECTOR SPDR TR SBI INT-</nameOfIssuer>
  <titleOfClass>ETF</titleOfClass>
  <cusip>81369Y605</cusip>
  <value>1486</value>
  <shrsOrPrnAmt>
    <sshPrnamt>48285</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>0</Sole>
    <Shared>0</Shared>
    <None>48285</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>SELECT SECTOR SPDR TR SBI INT-</nameOfIssuer>
  <titleOfClass>ETF</titleOfClass>
  <cusip>81369Y704</cusip>
  <value>637</value>
  <shrsOrPrnAmt>
    <sshPrnamt>7818</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>0</Sole>
    <Shared>0</Shared>
    <None>7818</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>SPDR DJIA TRUST</nameOfIssuer>
  <titleOfClass>ETF</titleOfClass>
  <cusip>78467X109</cusip>
  <value>5562</value>
  <shrsOrPrnAmt>
    <sshPrnamt>19510</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>0</Sole>
    <Shared>0</Shared>
    <None>19510</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>SPDR GOLD TRUST</nameOfIssuer>
  <titleOfClass>ETF</titleOfClass>
  <cusip>78463V107</cusip>
  <value>2115</value>
  <shrsOrPrnAmt>
    <sshPrnamt>14801</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>0</Sole>
    <Shared>0</Shared>
    <None>14801</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>SPDR HOMEBUILDERS ETF</nameOfIssuer>
  <titleOfClass>ETF</titleOfClass>
  <cusip>78464A888</cusip>
  <value>204</value>
  <shrsOrPrnAmt>
    <sshPrnamt>4485</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>0</Sole>
    <Shared>0</Shared>
    <None>4485</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>SPDR S&amp;P 500 ETF TR TR UNIT</nameOfIssuer>
  <titleOfClass>ETF</titleOfClass>
  <cusip>78462F103</cusip>
  <value>70800</value>
  <shrsOrPrnAmt>
    <sshPrnamt>219973</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>0</Sole>
    <Shared>0</Shared>
    <None>219973</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>SPDR S&amp;P BIOTECH ETF</nameOfIssuer>
  <titleOfClass>ETF</titleOfClass>
  <cusip>78464A870</cusip>
  <value>285</value>
  <shrsOrPrnAmt>
    <sshPrnamt>3000</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>0</Sole>
    <Shared>0</Shared>
    <None>3000</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>SPDR S&amp;P DIVIDEND ETF</nameOfIssuer>
  <titleOfClass>ETF</titleOfClass>
  <cusip>78464A763</cusip>
  <value>2634</value>
  <shrsOrPrnAmt>
    <sshPrnamt>24485</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>0</Sole>
    <Shared>0</Shared>
    <None>24485</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>SPDR S&amp;P MIDCAP 400 ETF TR UTS</nameOfIssuer>
  <titleOfClass>ETF</titleOfClass>
  <cusip>78467Y107</cusip>
  <value>51061</value>
  <shrsOrPrnAmt>
    <sshPrnamt>136026</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>0</Sole>
    <Shared>0</Shared>
    <None>136026</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>UTILITIES SELECT SECTOR SPDR</nameOfIssuer>
  <titleOfClass>ETF</titleOfClass>
  <cusip>81369Y886</cusip>
  <value>1446</value>
  <shrsOrPrnAmt>
    <sshPrnamt>22377</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>0</Sole>
    <Shared>0</Shared>
    <None>22377</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>VANECK VECTORS ETF TR GOLD MIN</nameOfIssuer>
  <titleOfClass>ETF</titleOfClass>
  <cusip>92189F106</cusip>
  <value>717</value>
  <shrsOrPrnAmt>
    <sshPrnamt>24485</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>0</Sole>
    <Shared>0</Shared>
    <None>24485</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>VANGUARD CONS STPLS ETF</nameOfIssuer>
  <titleOfClass>ETF</titleOfClass>
  <cusip>92204a207</cusip>
  <value>217</value>
  <shrsOrPrnAmt>
    <sshPrnamt>1346</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>0</Sole>
    <Shared>0</Shared>
    <None>1346</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>VANGUARD DIVIDEND APPRECIATION</nameOfIssuer>
  <titleOfClass>ETF</titleOfClass>
  <cusip>921908844</cusip>
  <value>14964</value>
  <shrsOrPrnAmt>
    <sshPrnamt>120035</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>0</Sole>
    <Shared>0</Shared>
    <None>120035</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>VANGUARD FTSE DEVELOPED MARKET</nameOfIssuer>
  <titleOfClass>ETF</titleOfClass>
  <cusip>921943858</cusip>
  <value>1031</value>
  <shrsOrPrnAmt>
    <sshPrnamt>23396</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>0</Sole>
    <Shared>0</Shared>
    <None>23396</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>VANGUARD GROWTH ETF</nameOfIssuer>
  <titleOfClass>ETF</titleOfClass>
  <cusip>922908736</cusip>
  <value>692</value>
  <shrsOrPrnAmt>
    <sshPrnamt>3800</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>0</Sole>
    <Shared>0</Shared>
    <None>3800</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>VANGUARD HIGH DIV YLD</nameOfIssuer>
  <titleOfClass>ETF</titleOfClass>
  <cusip>921946406</cusip>
  <value>324</value>
  <shrsOrPrnAmt>
    <sshPrnamt>3455</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>0</Sole>
    <Shared>0</Shared>
    <None>3455</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>VANGUARD INDEX FDS REIT ETF</nameOfIssuer>
  <titleOfClass>ETF</titleOfClass>
  <cusip>922908553</cusip>
  <value>4766</value>
  <shrsOrPrnAmt>
    <sshPrnamt>51361</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>0</Sole>
    <Shared>0</Shared>
    <None>51361</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>VANGUARD INDEX FDS SMALL CP ET</nameOfIssuer>
  <titleOfClass>ETF</titleOfClass>
  <cusip>922908751</cusip>
  <value>721</value>
  <shrsOrPrnAmt>
    <sshPrnamt>4351</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>0</Sole>
    <Shared>0</Shared>
    <None>4351</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>VANGUARD INTL EQUITY INDEX FD </nameOfIssuer>
  <titleOfClass>ETF</titleOfClass>
  <cusip>922042858</cusip>
  <value>884</value>
  <shrsOrPrnAmt>
    <sshPrnamt>19875</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>0</Sole>
    <Shared>0</Shared>
    <None>19875</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>VANGUARD MID CAP ETF</nameOfIssuer>
  <titleOfClass>ETF</titleOfClass>
  <cusip>922908629</cusip>
  <value>10907</value>
  <shrsOrPrnAmt>
    <sshPrnamt>61215</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>0</Sole>
    <Shared>0</Shared>
    <None>61215</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>VANGUARD MSCI EUROPE ETF</nameOfIssuer>
  <titleOfClass>ETF</titleOfClass>
  <cusip>922042874</cusip>
  <value>245</value>
  <shrsOrPrnAmt>
    <sshPrnamt>4188</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>0</Sole>
    <Shared>0</Shared>
    <None>4188</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>VANGUARD S&amp;P 500 ETF</nameOfIssuer>
  <titleOfClass>ETF</titleOfClass>
  <cusip>922908363</cusip>
  <value>2135</value>
  <shrsOrPrnAmt>
    <sshPrnamt>7219</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>0</Sole>
    <Shared>0</Shared>
    <None>7219</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>VANGUARD TOTAL STOCK MARKET ET</nameOfIssuer>
  <titleOfClass>ETF</titleOfClass>
  <cusip>922908769</cusip>
  <value>543</value>
  <shrsOrPrnAmt>
    <sshPrnamt>3322</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>0</Sole>
    <Shared>0</Shared>
    <None>3322</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>WISDOMTREE DIVIDEND EX-FIN ETF</nameOfIssuer>
  <titleOfClass>ETF</titleOfClass>
  <cusip>97717W406</cusip>
  <value>807</value>
  <shrsOrPrnAmt>
    <sshPrnamt>8725</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>0</Sole>
    <Shared>0</Shared>
    <None>8725</None>
  </votingAuthority>
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    <None>10737</None>
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<infoTable>
  <nameOfIssuer>EQUITY RESIDENTIAL PROPERTIES </nameOfIssuer>
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    <sshPrnamt>3220</sshPrnamt>
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    <Sole>0</Sole>
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    <None>3220</None>
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<infoTable>
  <nameOfIssuer>INDUSTRIAL LOGISTICS PROPERTIE</nameOfIssuer>
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  <value>213</value>
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    <sshPrnamt>9521</sshPrnamt>
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    <Sole>0</Sole>
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    <None>9521</None>
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<infoTable>
  <nameOfIssuer>MID-AMER APT CMNTYS INC</nameOfIssuer>
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    <sshPrnamt>2119</sshPrnamt>
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    <Sole>0</Sole>
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    <None>2119</None>
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<infoTable>
  <nameOfIssuer>MONMOUTH REAL ESTATE INVESTMEN</nameOfIssuer>
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  <investmentDiscretion>SOLE</investmentDiscretion>
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    <Sole>0</Sole>
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    <None>629418</None>
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<infoTable>
  <nameOfIssuer>NATIONAL RETAIL PROPERTIES INC</nameOfIssuer>
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  <cusip>637417106</cusip>
  <value>1240</value>
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    <sshPrnamt>23130</sshPrnamt>
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  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>0</Sole>
    <Shared>0</Shared>
    <None>23130</None>
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<infoTable>
  <nameOfIssuer>REDWOOD TRUST, INC.</nameOfIssuer>
  <titleOfClass>CL END</titleOfClass>
  <cusip>758075402</cusip>
  <value>1289</value>
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    <sshPrnamt>77950</sshPrnamt>
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  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>0</Sole>
    <Shared>0</Shared>
    <None>77950</None>
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<infoTable>
  <nameOfIssuer>REGENCY CENTERS CORP</nameOfIssuer>
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  <cusip>758849103</cusip>
  <value>300</value>
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    <sshPrnamt>4754</sshPrnamt>
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  <investmentDiscretion>SOLE</investmentDiscretion>
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    <Sole>0</Sole>
    <Shared>0</Shared>
    <None>4754</None>
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<infoTable>
  <nameOfIssuer>UMH PROPERTIES INC</nameOfIssuer>
  <titleOfClass>CL END</titleOfClass>
  <cusip>903002103</cusip>
  <value>7357</value>
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    <sshPrnamt>467706</sshPrnamt>
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  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>0</Sole>
    <Shared>0</Shared>
    <None>467706</None>
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</infoTable>
<infoTable>
  <nameOfIssuer>VEREIT INC</nameOfIssuer>
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    <sshPrnamt>10582</sshPrnamt>
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  <investmentDiscretion>SOLE</investmentDiscretion>
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    <Sole>0</Sole>
    <Shared>0</Shared>
    <None>10582</None>
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</infoTable>
<infoTable>
  <nameOfIssuer>ALLERGAN PLC</nameOfIssuer>
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  <cusip>G0177J108</cusip>
  <value>257</value>
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    <sshPrnamt>1345</sshPrnamt>
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  <investmentDiscretion>SOLE</investmentDiscretion>
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    <Sole>0</Sole>
    <Shared>0</Shared>
    <None>1345</None>
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</infoTable>
<infoTable>
  <nameOfIssuer>BP AMOCO PLC - SPONS ADR</nameOfIssuer>
  <titleOfClass>FOR</titleOfClass>
  <cusip>055622104</cusip>
  <value>2440</value>
  <shrsOrPrnAmt>
    <sshPrnamt>64663</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
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  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>0</Sole>
    <Shared>0</Shared>
    <None>64663</None>
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</infoTable>
<infoTable>
  <nameOfIssuer>DIAGEO PLC-SPONSORED ADR NEW</nameOfIssuer>
  <titleOfClass>FOR</titleOfClass>
  <cusip>25243Q205</cusip>
  <value>4606</value>
  <shrsOrPrnAmt>
    <sshPrnamt>27346</sshPrnamt>
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  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>0</Sole>
    <Shared>0</Shared>
    <None>27346</None>
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</infoTable>
<infoTable>
  <nameOfIssuer>NESTLE S A - ADR REG SHS</nameOfIssuer>
  <titleOfClass>FOR</titleOfClass>
  <cusip>641069406</cusip>
  <value>6967</value>
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    <sshPrnamt>64387</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
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  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>0</Sole>
    <Shared>0</Shared>
    <None>64387</None>
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</infoTable>
<infoTable>
  <nameOfIssuer>NOVARTIS AG-ADR</nameOfIssuer>
  <titleOfClass>FOR</titleOfClass>
  <cusip>66987V109</cusip>
  <value>707</value>
  <shrsOrPrnAmt>
    <sshPrnamt>7463</sshPrnamt>
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  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>0</Sole>
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    <None>7463</None>
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</infoTable>
<infoTable>
  <nameOfIssuer>NXP SEMICONDUCTORS N V COM</nameOfIssuer>
  <titleOfClass>FOR</titleOfClass>
  <cusip>N6596X109</cusip>
  <value>1161</value>
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    <sshPrnamt>9125</sshPrnamt>
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  <investmentDiscretion>SOLE</investmentDiscretion>
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    <Sole>0</Sole>
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    <None>9125</None>
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</infoTable>
<infoTable>
  <nameOfIssuer>PHILIP MORRIS INTL INC COM</nameOfIssuer>
  <titleOfClass>FOR</titleOfClass>
  <cusip>718172109</cusip>
  <value>1438</value>
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    <sshPrnamt>16895</sshPrnamt>
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  <investmentDiscretion>SOLE</investmentDiscretion>
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    <Sole>0</Sole>
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    <None>16895</None>
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</infoTable>
<infoTable>
  <nameOfIssuer>RIO TINTO PLC SPONSORED ADR</nameOfIssuer>
  <titleOfClass>FOR</titleOfClass>
  <cusip>767204100</cusip>
  <value>5367</value>
  <shrsOrPrnAmt>
    <sshPrnamt>90418</sshPrnamt>
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  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>0</Sole>
    <Shared>0</Shared>
    <None>90418</None>
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</infoTable>
<infoTable>
  <nameOfIssuer>ROYAL DUTCH SHELL PLC</nameOfIssuer>
  <titleOfClass>FOR</titleOfClass>
  <cusip>780259206</cusip>
  <value>3401</value>
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    <sshPrnamt>57663</sshPrnamt>
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  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>0</Sole>
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    <None>57663</None>
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</infoTable>
<infoTable>
  <nameOfIssuer>SIEMENS AG SPONS ADR</nameOfIssuer>
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  <cusip>826197501</cusip>
  <value>248</value>
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    <sshPrnamt>3787</sshPrnamt>
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  <investmentDiscretion>SOLE</investmentDiscretion>
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    <Sole>0</Sole>
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    <None>3787</None>
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</infoTable>
<infoTable>
  <nameOfIssuer>TE CONNECTIVITY LTD</nameOfIssuer>
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  <cusip>H84989104</cusip>
  <value>375</value>
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    <sshPrnamt>3908</sshPrnamt>
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  <investmentDiscretion>SOLE</investmentDiscretion>
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    <Sole>0</Sole>
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    <None>3908</None>
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<infoTable>
  <nameOfIssuer>UNILEVER N V N Y SHS NEW</nameOfIssuer>
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  <cusip>904784709</cusip>
  <value>296</value>
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    <sshPrnamt>5150</sshPrnamt>
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  <investmentDiscretion>SOLE</investmentDiscretion>
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    <None>5150</None>
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<infoTable>
  <nameOfIssuer>WILLIS TOWERS WATSON PUBLIC LI</nameOfIssuer>
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    <sshPrnamt>15499</sshPrnamt>
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  <investmentDiscretion>SOLE</investmentDiscretion>
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    <Sole>0</Sole>
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    <None>15499</None>
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</infoTable>
<infoTable>
  <nameOfIssuer>WPP GROUP PLC</nameOfIssuer>
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    <sshPrnamt>2900</sshPrnamt>
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  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>0</Sole>
    <Shared>0</Shared>
    <None>2900</None>
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</informationTable>
