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
AFLAC INC COM 001055102 748 20,772 SH   SOLE   20,084 0 688
AGCO CORP COM 001084102 479 8,629 SH   SOLE   8,629 0 0
AT&T INC COM 00206R102 1,176 38,898 SH   SOLE   37,867 0 1,031
ABBOTT LABS COM 002824100 534 5,842 SH   SOLE   5,126 0 716
ABBVIE INC COM 00287Y109 358 3,649 SH   SOLE   3,561 0 88
ADOBE INC COM 00724F101 1,092 2,509 SH   SOLE   2,509 0 0
ALARM COM HLDGS INC COM 011642105 238 3,666 SH   SOLE   0 0 3,666
ALPHABET INC CAP STK CL C 02079K107 881 623 SH   SOLE   573 0 50
ALPHABET INC CAP STK CL A 02079K305 1,211 854 SH   SOLE   804 0 50
ALTRIA GROUP INC COM 02209S103 505 12,872 SH   SOLE   12,706 0 166
AMAZON COM INC COM 023135106 1,633 592 SH   SOLE   414 0 178
AMERICAN EXPRESS CO COM 025816109 1,280 13,444 SH   SOLE   13,444 0 0
AMERICAN TOWER CORP NEW COM 03027X100 242 937 SH   SOLE   937 0 0
AMGEN INC COM 031162100 402 1,703 SH   SOLE   1,460 0 243
APPLE INC COM 037833100 7,228 19,815 SH   SOLE   18,684 0 1,130
AUTOMATIC DATA PROCESSING IN COM 053015103 623 4,184 SH   SOLE   3,870 0 314
BK OF AMERICA CORP COM 060505104 1,330 55,979 SH   SOLE   52,047 0 3,932
BANK NEW YORK MELLON CORP COM 064058100 235 6,078 SH   SOLE   2,746 0 3,332
BECTON DICKINSON & CO COM 075887109 277 1,156 SH   SOLE   1,091 0 64
BERKSHIRE HATHAWAY INC DEL CL A 084670108 4,544 17 SH   SOLE   17 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 14,646 82,048 SH   SOLE   81,469 0 579
BLACKROCK INC COM 09247X101 294 540 SH   SOLE   496 0 44
BOEING CO COM 097023105 1,403 7,652 SH   SOLE   6,829 0 823
BOULDER GROWTH & INCOME FD I COM 101507101 108 11,426 SH   SOLE   11,426 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108 508 8,644 SH   SOLE   6,284 0 2,360
CENTENE CORP DEL COM 15135B101 340 5,350 SH   SOLE   5,350 0 0
CHEVRON CORP NEW COM 166764100 719 8,057 SH   SOLE   7,939 0 118
CISCO SYS INC COM 17275R102 484 10,372 SH   SOLE   9,480 0 892
CITIZENS FINANCIAL GROUP INC COM 174610105 287 11,380 SH   SOLE   11,380 0 0
COCA COLA CO COM 191216100 466 10,421 SH   SOLE   8,255 0 2,166
COLGATE PALMOLIVE CO COM 194162103 431 5,886 SH   SOLE   5,886 0 0
COMCAST CORP NEW CL A 20030N101 712 18,262 SH   SOLE   17,915 0 347
COSTCO WHSL CORP NEW COM 22160K105 338 1,116 SH   SOLE   1,116 0 0
DEERE & CO COM 244199105 274 1,742 SH   SOLE   1,048 0 694
DISNEY WALT CO COM DISNEY 254687106 637 5,709 SH   SOLE   4,336 0 1,373
DOMINION ENERGY INC COM 25746U109 229 2,823 SH   SOLE   2,823 0 0
EATON VANCE CORP COM NON VTG 278265103 3,408 88,296 SH   SOLE   88,296 0 0
EMPIRE ST RLTY TR INC CL A 292104106 132 18,915 SH   SOLE   18,915 0 0
EXXON MOBIL CORP COM 30231G102 1,362 30,455 SH   SOLE   24,658 0 5,797
FACEBOOK INC CL A 30303M102 489 2,154 SH   SOLE   2,036 0 118
FIRST TR NASDAQ-100 TECH IND NY ARCA BIOTECH 33733E203 265 1,581 SH   SOLE   1,581 0 0
FORTUNE BRANDS HOME & SEC IN COM 34964C106 274 4,286 SH   SOLE   3,286 0 1,000
GENERAL ELECTRIC CO COM 369604103 244 35,694 SH   SOLE   35,694 0 0
HERSHEY CO COM 427866108 364 2,811 SH   SOLE   2,811 0 0
HOME DEPOT INC COM 437076102 4,665 18,623 SH   SOLE   16,726 0 1,897
HONEYWELL INTL INC COM 438516106 1,006 6,957 SH   SOLE   6,031 0 926
ILLINOIS TOOL WKS INC COM 452308109 354 2,027 SH   SOLE   1,922 0 105
INTEL CORP COM 458140100 1,437 24,013 SH   SOLE   22,708 0 1,305
INTERNATIONAL BUSINESS MACHS COM 459200101 1,160 9,607 SH   SOLE   9,084 0 523
INVESCO QQQ TR UNIT SER 1 46090E103 771 3,116 SH   SOLE   1,769 0 1,347
IROBOT CORP COM 462726100 252 3,000 SH   SOLE   3,000 0 0
ISHARES GOLD TRUST ISHARES 464285105 934 54,986 SH   SOLE   51,295 0 3,691
ISHARES TR CORE S&P TTL STK 464287150 267 3,846 SH   SOLE   3,846 0 0
ISHARES TR CORE S&P500 ETF 464287200 12,512 40,402 SH   SOLE   35,867 0 4,535
ISHARES TR MSCI EMG MKT ETF 464287234 357 8,929 SH   SOLE   8,929 0 0
ISHARES TR S&P 500 GRWT ETF 464287309 422 2,032 SH   SOLE   2,032 0 0
ISHARES TR 1 3 YR TREAS BD 464287457 415 4,793 SH   SOLE   4,793 0 0
ISHARES TR MSCI EAFE ETF 464287465 780 12,810 SH   SOLE   12,810 0 0
ISHARES TR RUS MID CAP ETF 464287499 477 8,900 SH   SOLE   1,200 0 7,700
ISHARES TR CORE S&P MCP ETF 464287507 37,062 208,423 SH   SOLE   184,112 0 24,311
ISHARES TR NASDAQ BIOTECH 464287556 794 5,809 SH   SOLE   5,562 0 247
ISHARES TR COHEN STEER REIT 464287564 1,014 10,047 SH   SOLE   10,047 0 0
ISHARES TR RUS 1000 VAL ETF 464287598 1,141 10,130 SH   SOLE   10,130 0 0
ISHARES TR S&P MC 400GR ETF 464287606 213 953 SH   SOLE   953 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 3,517 18,320 SH   SOLE   17,655 0 665
ISHARES TR RUS 1000 ETF 464287622 13,799 80,373 SH   SOLE   72,768 0 7,605
ISHARES TR RUS 2000 VAL ETF 464287630 7,312 75,030 SH   SOLE   66,274 0 8,755
ISHARES TR RUSSELL 2000 ETF 464287655 8,191 57,209 SH   SOLE   51,273 0 5,936
ISHARES TR CORE S&P US VLU 464287663 571 10,938 SH   SOLE   10,938 0 0
ISHARES TR RUSSELL 3000 ETF 464287689 1,181 6,560 SH   SOLE   6,560 0 0
ISHARES TR S&P MC 400VL ETF 464287705 417 3,136 SH   SOLE   3,136 0 0
ISHARES TR US HLTHCARE ETF 464287762 236 1,094 SH   SOLE   1,004 0 90
ISHARES TR CORE S&P SCP ETF 464287804 802 11,745 SH   SOLE   10,405 0 1,340
ISHARES TR SP SMCP600VL ETF 464287879 238 1,981 SH   SOLE   1,981 0 0
ISHARES TR S&P SML 600 GWT 464287887 741 4,367 SH   SOLE   3,668 0 699
ISHARES TR EAFE SML CP ETF 464288273 30,230 563,775 SH   SOLE   512,040 0 51,735
ISHARES TR JPMORGAN USD EMG 464288281 42,928 393,040 SH   SOLE   341,822 0 51,218
ISHARES TR MSCI USA ESG SLC 464288802 246 1,838 SH   SOLE   1,838 0 0
ISHARES TR MICRO-CAP ETF 464288869 375 4,300 SH   SOLE   4,234 0 66
ISHARES TR US TREAS BD ETF 46429B267 224 7,994 SH   SOLE   7,994 0 0
ISHARES TR 0-5 YR TIPS ETF 46429B747 764 7,459 SH   SOLE   6,408 0 1,051
ISHARES TR CORE MSCI EAFE 46432F842 31,272 547,095 SH   SOLE   505,630 0 41,465
ISHARES INC CORE MSCI EMKT 46434G103 47,841 1,005,057 SH   SOLE   935,195 0 69,861
ISHARES TR GLOBAL REIT ETF 46434V647 329 15,778 SH   SOLE   15,778 0 0
JPMORGAN CHASE & CO COM 46625H100 708 7,525 SH   SOLE   7,525 0 0
J P MORGAN EXCHANGE-TRADED F JPMORGAN DIVER 46641Q407 109,268 1,574,696 SH   SOLE   1,330,221 0 244,475
JOHNSON & JOHNSON COM 478160104 2,137 15,192 SH   SOLE   12,259 0 2,933
JUST ENERGY GROUP INC COM 48213W101 10 20,000 SH   SOLE   20,000 0 0
KIMBERLY CLARK CORP COM 494368103 322 2,275 SH   SOLE   2,275 0 0
LILLY ELI & CO COM 532457108 345 2,100 SH   SOLE   2,100 0 0
LOCKHEED MARTIN CORP COM 539830109 1,493 4,092 SH   SOLE   3,908 0 183
LOEWS CORP COM 540424108 514 15,000 SH   SOLE   15,000 0 0
LOWES COS INC COM 548661107 1,872 13,851 SH   SOLE   13,515 0 336
MASTERCARD INCORPORATED CL A 57636Q104 244 826 SH   SOLE   826 0 0
MCDONALDS CORP COM 580135101 433 2,347 SH   SOLE   2,256 0 91
MERCK & CO. INC COM 58933Y105 1,711 22,130 SH   SOLE   21,947 0 183
MICROSOFT CORP COM 594918104 7,000 34,394 SH   SOLE   32,248 0 2,146
MONDELEZ INTL INC CL A 609207105 482 9,420 SH   SOLE   8,581 0 839
NORFOLK SOUTHERN CORP COM 655844108 559 3,183 SH   SOLE   3,183 0 0
NORTHROP GRUMMAN CORP COM 666807102 433 1,409 SH   SOLE   1,409 0 0
ORACLE CORP COM 68389X105 339 6,133 SH   SOLE   5,214 0 919
PEPSICO INC COM 713448108 2,105 15,914 SH   SOLE   15,698 0 216
PFIZER INC COM 717081103 937 28,645 SH   SOLE   28,535 0 110
PHILIP MORRIS INTL INC COM 718172109 300 4,279 SH   SOLE   3,757 0 521
PITNEY BOWES INC COM 724479100 33 12,656 SH   SOLE   12,656 0 0
PROCTER AND GAMBLE CO COM 742718109 1,565 13,088 SH   SOLE   10,913 0 2,174
PUBLIC SVC ENTERPRISE GRP IN COM 744573106 423 8,595 SH   SOLE   8,595 0 0
RAYTHEON TECHNOLOGIES CORP COM 75513E101 275 4,464 SH   SOLE   2,608 0 1,856
SPDR S&P 500 ETF TR TR UNIT 78462F103 3,022 9,800 SH   SOLE   8,737 0 1,063
SPDR GOLD TR GOLD SHS 78463V107 927 5,541 SH   SOLE   5,541 0 0
SPDR INDEX SHS FDS DJ GLB RL ES ETF 78463X749 10,695 274,022 SH   SOLE   249,323 0 24,699
SPDR INDEX SHS FDS DJ INTL RL ETF 78463X863 360 12,485 SH   SOLE   11,736 0 749
SPDR SER TR S&P 600 SMCP VAL 78464A300 3,297 67,123 SH   SOLE   65,328 0 1,795
SPDR SER TR BLMBRG BRC CNVRT 78464A359 4,906 81,091 SH   SOLE   68,052 0 13,039
SPDR SER TR S&P DIVID ETF 78464A763 326 3,576 SH   SOLE   3,576 0 0
SPDR SER TR S&P BIOTECH 78464A870 294 2,626 SH   SOLE   2,626 0 0
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 4,308 13,275 SH   SOLE   13,057 0 218
SPDR SER TR NUVEEN BLMBRG SR 78468R739 242 4,849 SH   SOLE   4,849 0 0
SPDR SER TR SPDR S&P 500 ETF 78468R796 363 4,758 SH   SOLE   4,758 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 265 2,605 SH   SOLE   0 0 2,605
STERLING BANCORP DEL COM 85917A100 141 12,024 SH   SOLE   12,024 0 0
STRYKER CORPORATION COM 863667101 282 1,565 SH   SOLE   1,565 0 0
TEXAS INSTRS INC COM 882508104 402 3,168 SH   SOLE   3,112 0 56
THERMO FISHER SCIENTIFIC INC COM 883556102 250 690 SH   SOLE   647 0 43
3M CO COM 88579Y101 2,076 13,310 SH   SOLE   12,697 0 613
TRUIST FINL CORP COM 89832Q109 600 15,988 SH   SOLE   12,261 0 3,727
UNION PAC CORP COM 907818108 944 5,582 SH   SOLE   5,582 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 78,831 672,738 SH   SOLE   591,849 0 80,889
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 413 4,672 SH   SOLE   1,498 0 3,174
VANGUARD TAX-MANAGED FDS FTSE DEV MKT ETF 921943858 510 13,140 SH   SOLE   8,608 0 4,532
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 582 7,388 SH   SOLE   7,388 0 0
VANGUARD WHITEHALL FDS EMERG MKT BD ETF 921946885 3,263 41,956 SH   SOLE   39,644 0 2,312
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 581 11,581 SH   SOLE   9,019 0 2,562
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 1,612 21,552 SH   SOLE   18,618 0 2,934
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 16,683 421,175 SH   SOLE   367,150 0 54,025
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 1,393 22,391 SH   SOLE   21,240 0 1,151
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 263 4,862 SH   SOLE   4,862 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 642 2,264 SH   SOLE   2,264 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 376 4,790 SH   SOLE   4,689 0 101
VANGUARD INDEX FDS SML CP GRW ETF 922908595 318 1,594 SH   SOLE   1,594 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611 11,393 106,554 SH   SOLE   103,615 0 2,939
VANGUARD INDEX FDS MID CAP ETF 922908629 1,938 11,825 SH   SOLE   11,425 0 400
VANGUARD INDEX FDS LARGE CAP ETF 922908637 601 4,204 SH   SOLE   4,204 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 18,393 184,688 SH   SOLE   175,682 0 9,006
VANGUARD INDEX FDS TOTAL STK MKT 922908769 3,721 23,769 SH   SOLE   23,263 0 507
VERIZON COMMUNICATIONS INC COM 92343V104 1,257 22,807 SH   SOLE   21,632 0 1,175
VISA INC COM CL A 92826C839 224 1,159 SH   SOLE   1,159 0 0
WALMART INC COM 931142103 356 2,972 SH   SOLE   926 0 2,046
WISDOMTREE TR INTL SMCAP DIV 97717W760 294 5,284 SH   SOLE   5,284 0 0
WORKDAY INC CL A 98138H101 4,202 22,425 SH   SOLE   22,425 0 0
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 750 3,492 SH   SOLE   1,797 0 1,696