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 262 1,638 SH   SOLE NONE 1,638 0 0
AARON S INC COM PAR $0.50 002535300 245 4,332 SH   SOLE NONE 4,332 0 0
ABB LTD SPON ADR EACH REP 1 ORD SHS SPONSORED ADR 000375204 271 10,662 SH   SOLE NONE 10,662 0 0
ABBOTT LABORATORIES COM 002824100 574 5,274 SH   SOLE NONE 5,274 0 0
ABBVIE INC COM USD0.01 COM 00287Y109 565 6,458 SH   SOLE NONE 6,458 0 0
ACCENTURE PLC SHS CLASS A G1151C101 225 999 SH   SOLE NONE 999 0 0
ADOBE SYSTEMS INCORPORATED COM COM 00724F101 655 1,337 SH   SOLE NONE 1,337 0 0
ADVANCED DRAINAGE SYSTEMS INC COM 00790R104 240 3,853 SH   SOLE NONE 3,853 0 0
AIR PRODUCTS AND CHEMICALS INC COM 009158106 535 1,797 SH   SOLE NONE 1,797 0 0
ALIBABA GROUP HOLDING LTD SPON ADS EACH REP 8 ORD SHS SPONSORED ADS 01609W102 790 2,689 SH   SOLE NONE 2,689 0 0
ALPHABET INC CAP STK CL A CAP STK CL A 02079K305 1,981 1,352 SH   SOLE NONE 1,352 0 0
ALPHABET INC CAP STK CL C CAP STK CL C 02079K107 549 374 SH   SOLE NONE 374 0 0
ALTRIA GROUP INC COM 02209S103 254 6,592 SH   SOLE NONE 6,592 0 0
AMAZON.COM INC COM 023135106 4,398 1,397 SH   SOLE NONE 1,397 0 0
AMEDISYS INC COM 023436108 213 901 SH   SOLE NONE 901 0 0
AMERICAN ELEC PWR CO INC COM COM 025537101 1,750 21,412 SH   SOLE NONE 21,412 0 0
AMERICAN EXPRESS CO COM USD0.20 COM 025816109 256 2,558 SH   SOLE NONE 2,558 0 0
AMERICAN TOWER CORP COM USD0.01 COM 03027X100 365 1,512 SH   SOLE NONE 1,512 0 0
AMGEN INC COM 031162100 1,155 4,547 SH   SOLE NONE 4,547 0 0
ANTHEM INC COM 036752103 242 904 SH   SOLE NONE 904 0 0
APPLE INC COM USD0.00001 COM 037833100 10,946 94,525 SH   SOLE NONE 94,525 0 0
ASML HOLDING NV EUR0.09 NY REGISTRY SHS 2012 N Y REGISTRY SHS N07059210 201 546 SH   SOLE NONE 546 0 0
ASTRAZENECA ADR REP 0.5 ORD SPONSORED ADR 046353108 2,033 37,109 SH   SOLE NONE 37,109 0 0
AT&T INC COM USD1 COM 00206R102 729 25,598 SH   SOLE NONE 25,598 0 0
AUTODESK INC COM 052769106 263 1,142 SH   SOLE NONE 1,142 0 0
AUTOMATIC DATA PROCESSING INC COM USD0.10 COM 053015103 254 1,821 SH   SOLE NONE 1,821 0 0
BANK OF NOVA SCOTIA COM NPV ISIN #CA0641491075 SEDOL #2076281 COM 064149107 226 5,467 SH   SOLE NONE 5,467 0 0
BERKSHIRE HATHAWAY INC CL A 084670108 320 1 SH   SOLE NONE 1 0 0
BERRY GLOBAL GROUP INC COM 08579W103 206 4,278 SH   SOLE NONE 4,278 0 0
BJS WHSL CLUB HLDGS INC COM COM 05550J101 217 5,234 SH   SOLE NONE 5,234 0 0
BK OF AMERICA CORP COM COM 060505104 690 28,678 SH   SOLE NONE 28,678 0 0
BLACKROCK INC COM USD0.01 COM 09247X101 361 641 SH   SOLE NONE 641 0 0
BLACKROCK MUNIYIELD PENNSYLVANIA QUALITY FUND COM 09255G107 358 25,744 SH   SOLE NONE 25,744 0 0
BLACKSTONE GROUP INC COM CL A COM CL A 09260D107 814 15,597 SH   SOLE NONE 15,597 0 0
BOEING CO COM USD5.00 COM 097023105 782 4,732 SH   SOLE NONE 4,732 0 0
BRISTOL-MYERS SQUIBB CO COM COM 110122108 464 7,698 SH   SOLE NONE 7,698 0 0
BROADCOM INC COM COM 11135F101 645 1,771 SH   SOLE NONE 1,771 0 0
CATALENT INC COM COM 148806102 227 2,653 SH   SOLE NONE 2,653 0 0
CH ROBINSON WORLDWIDE INC COM USD0.10 COM NEW 12541W209 269 2,638 SH   SOLE NONE 2,638 0 0
CHARLES RIVER LABORATORIES INTERNATIONAL INC COM 159864107 239 1,059 SH   SOLE NONE 1,059 0 0
CHEMOURS CO COM COM 163851108 714 34,161 SH   SOLE NONE 34,161 0 0
CHEVRON CORP NEW COM COM 166764100 596 8,278 SH   SOLE NONE 8,278 0 0
CHINA TELECOM CORPORATION SPONS ADR EACH REPR 100 H COM CNY1 SPON ADR H SHS 169426103 216 7,198 SH   SOLE NONE 7,198 0 0
CIRRUS LOGIC INC COM 172755100 206 3,062 SH   SOLE NONE 3,062 0 0
CISCO SYSTEMS INC COM 17275R102 972 24,692 SH   SOLE NONE 24,692 0 0
CITIGROUP INC COM NEW 172967424 353 8,206 SH   SOLE NONE 8,206 0 0
CME GROUP INC COM COM 12572Q105 1,064 6,361 SH   SOLE NONE 6,361 0 0
COCA-COLA CO COM 191216100 1,088 22,050 SH   SOLE NONE 22,050 0 0
COCA-COLA FEMSA S.A.B. DE C.V. ADS EA REP 10 UNTS(3 SER B SHS &5 SER L SPONSORD ADR REP 191241108 201 4,958 SH   SOLE NONE 4,958 0 0
COLGATE-PALMOLIVE CO COM USD1.00 COM 194162103 492 6,377 SH   SOLE NONE 6,377 0 0
COMCAST CORP CL A 20030N101 267 5,788 SH   SOLE NONE 5,788 0 0
CONOCOPHILLIPS COM COM 20825C104 286 8,737 SH   SOLE NONE 8,737 0 0
CONSUMER DISCRETIONARY SELECT SECTOR SPDR FUND SBI CONS DISCR 81369Y407 3,418 23,258 SH   SOLE NONE 23,258 0 0
CORTEVA INC COM COM 22052L104 1,856 64,426 SH   SOLE NONE 64,426 0 0
COSTCO WHOLESALE CORP COM USD0.01 COM 22160K105 301 850 SH   SOLE NONE 850 0 0
CROWN CASTLE INTL CORP NEW COM ISIN #US22822V1017 SEDOL #BTGQCX1 COM 22822V101 549 3,300 SH   SOLE NONE 3,300 0 0
CSX CORP COM USD1 COM 126408103 439 5,653 SH   SOLE NONE 5,653 0 0
CYRUSONE INC COM USD0.01 COM 23283R100 261 3,738 SH   SOLE NONE 3,738 0 0
DANAHER CORPORATION COM COM 235851102 259 1,203 SH   SOLE NONE 1,203 0 0
DARDEN RESTAURANTS INC COM 237194105 241 2,400 SH   SOLE NONE 2,400 0 0
DEERE & CO COM 244199105 203 917 SH   SOLE NONE 917 0 0
DIGITAL REALTY TRUST INC COM 253868103 1,001 6,827 SH   SOLE NONE 6,827 0 0
DOMINION ENERGY INC COM COM 25746U109 599 7,599 SH   SOLE NONE 7,599 0 0
DOW INC COM COM 260557103 2,728 57,980 SH   SOLE NONE 57,980 0 0
DUKE ENERGY CORP NEW COM NEW ISIN #US26441C2044 SEDOL #B7JZSK0 COM NEW 26441C204 265 3,003 SH   SOLE NONE 3,003 0 0
DUPONT DE NEMOURS INC COM COM 26614N102 3,058 55,131 SH   SOLE NONE 55,131 0 0
ELI LILLY AND CO COM 532457108 988 6,680 SH   SOLE NONE 6,680 0 0
EMERSON ELECTRIC CO COM 291011104 557 8,505 SH   SOLE NONE 8,505 0 0
ESTEE LAUDER COMPANIES INC COM USD0.01 CLASS A CL A 518439104 259 1,190 SH   SOLE NONE 1,190 0 0
EXELON CORP COM NPV COM 30161N101 535 14,976 SH   SOLE NONE 14,976 0 0
EXXON MOBIL CORP COM 30231G102 1,024 29,849 SH   SOLE NONE 29,849 0 0
FACEBOOK INC-CLASS A CL A 30303M102 1,336 5,103 SH   SOLE NONE 5,103 0 0
FEDEX CORP COM USD0.10 COM 31428X106 283 1,129 SH   SOLE NONE 1,129 0 0
FIRST TR EXCHANGE TRADED FD DOW JONES INTERNET INDEX FD DJ INTERNT IDX 33733E302 425 2,258 SH   SOLE NONE 2,258 0 0
FIRST TRUST CLOUD COMPUTING ETF CLOUD COMPUTING 33734X192 282 3,598 SH   SOLE NONE 3,598 0 0
FORD MTR CO DEL COM COM 345370860 144 21,623 SH   SOLE NONE 21,623 0 0
FRANKLIN TEMPLETON ETF TR FTSE EUROPE FTSE EUROPE 35473P652 1,122 49,072 SH   SOLE NONE 49,072 0 0
GENERAC HLDGS INC COM USD0.01 COM 368736104 299 1,548 SH   SOLE NONE 1,548 0 0
GENERAL ELECTRIC CO COM USD0.06 COM 369604103 226 36,324 SH   SOLE NONE 36,324 0 0
GENERAL MILLS INC COM USD0.10 COM 370334104 339 5,501 SH   SOLE NONE 5,501 0 0
GLAXOSMITHKLINE ADR REP TWO ORD SPONSORED ADR 37733W105 241 6,418 SH   SOLE NONE 6,418 0 0
GLOBAL X FDS MSCI SUPR EM ETF MSCI SUPR EM ETF 37950E119 1,128 115,601 SH   SOLE NONE 115,601 0 0
GOLDMAN SACHS ETF TR ACTIVEBETA EME ACTIVEBETA EME 381430206 330 10,065 SH   SOLE NONE 10,065 0 0
GRANITESHARES GOLD TR SHS BEN INT SHS BEN INT 38748G101 782 41,714 SH   SOLE NONE 41,714 0 0
HEALTH CARE SELECT SECTOR SPDR SBI HEALTHCARE 81369Y209 4,075 38,638 SH   SOLE NONE 38,638 0 0
HOME DEPOT INC COM 437076102 595 2,144 SH   SOLE NONE 2,144 0 0
HONDA MOTOR LTD AMERN SHS AMERN SHS 438128308 213 9,008 SH   SOLE NONE 9,008 0 0
HONEYWELL INTERNATIONAL INC COM USD1 COM 438516106 474 2,885 SH   SOLE NONE 2,885 0 0
INDUSTRIAL SELECT SECTOR SPDR FUND SBI INT-INDS 81369Y704 1,179 15,322 SH   SOLE NONE 15,322 0 0
INTEL CORP COM USD0.001 COM 458140100 1,453 28,065 SH   SOLE NONE 28,065 0 0
INTUITIVE SURGICAL INC COM NEW 46120E602 224 317 SH   SOLE NONE 317 0 0
INVESCO EXCH TRADED FD TR II CHINA TECHNLGY CHINA TECHNLGY 46138E800 1,316 19,029 SH   SOLE NONE 19,029 0 0
INVESCO EXCH TRADED FD TR II PFD ETF PFD ETF 46138E511 301 20,483 SH   SOLE NONE 20,483 0 0
INVESCO EXCHANGE TRADED FD TR INTL DIVI ACHI INTL DIVI ACHI 46137V548 978 77,145 SH   SOLE NONE 77,145 0 0
INVESCO EXCHANGE TRADED FD TR S&P 500 TOP 50 S&P 500 TOP 50 46137V233 497 1,900 SH   SOLE NONE 1,900 0 0
INVESCO EXCHANGE TRADED FD TR S&P500 EQL WGT S&P500 EQL WGT 46137V357 695 6,431 SH   SOLE NONE 6,431 0 0
INVESCO QQQ TR UNIT SER 1 UNIT SER 1 46090E103 4,262 15,341 SH   SOLE NONE 15,341 0 0
ISHARES CORE 1-5 YEAR USD BOND ETF CORE 1 5 YR USD 46432F859 475 9,229 SH   SOLE NONE 9,229 0 0
ISHARES CORE AGGRESSIVE ALLOCATION ETF AGGRES ALLOC ETF 464289859 262 4,526 SH   SOLE NONE 4,526 0 0
ISHARES CORE GROWTH ALLOCATION ETF GRWT ALLOCAT ETF 464289867 245 5,064 SH   SOLE NONE 5,064 0 0
ISHARES CORE HIGH DIVIDEND ETF CORE HIGH DV ETF 46429B663 2,670 33,179 SH   SOLE NONE 33,179 0 0
ISHARES CORE MSCI EUROPE ETF CORE MSCI EURO 46434V738 852 19,073 SH   SOLE NONE 19,073 0 0
ISHARES CORE MSCI PACIFIC ETF CORE MSCI PAC 46434V696 719 12,766 SH   SOLE NONE 12,766 0 0
ISHARES CORE S&P SMALL-CAP E CORE S&P SCP ETF 464287804 436 6,211 SH   SOLE NONE 6,211 0 0
ISHARES GOLD TRUST ISHARES ISIN #US4642851053 SEDOL B0SF3S5 ISHARES 464285105 28,674 1,593,938 SH   SOLE NONE 1,593,938 0 0
ISHARES IBONDS DEC 2020 TERM CORPORATE ETF IBONDS DEC20 ETF 46434VAQ3 447 17,731 SH   SOLE NONE 17,731 0 0
ISHARES IBONDS DEC 2021 TERM CORPORATE ETF IBONDS DEC21 ETF 46434VBK5 470 18,767 SH   SOLE NONE 18,767 0 0
ISHARES IBONDS DEC 2021 TERM MUNI BOND ETF IBONDS DEC2021 46435G789 2,873 110,893 SH   SOLE NONE 110,893 0 0
ISHARES IBONDS DEC 2022 TERM CORPORATE ETF IBONDS DEC22 ETF 46434VBA7 253 9,877 SH   SOLE NONE 9,877 0 0
ISHARES IBONDS DEC 2022 TERM MUNI BOND ETF IBONDS DEC2022 46435G755 1,596 60,242 SH   SOLE NONE 60,242 0 0
ISHARES INC CORE MSCI EMERGING MKTS ETF CORE MSCI EMKT 46434G103 3,603 68,239 SH   SOLE NONE 68,239 0 0
ISHARES INC EM MKTS DIV ETF EM MKTS DIV ETF 464286319 697 23,151 SH   SOLE NONE 23,151 0 0
ISHARES INC MSCI JPN ETF NEW MSCI JPN ETF NEW 46434G822 784 13,272 SH   SOLE NONE 13,272 0 0
ISHARES INC MSCI PAC JP ETF MSCI PAC JP ETF 464286665 451 11,133 SH   SOLE NONE 11,133 0 0
ISHARES NATIONAL MUNI BOND ETF NATIONAL MUN ETF 464288414 8,171 70,486 SH   SOLE NONE 70,486 0 0
ISHARES RUSSELL 1000 INDEX FUND RUS 1000 ETF 464287622 609 3,256 SH   SOLE NONE 3,256 0 0
ISHARES S&P 500 CORE S&P500 ETF 464287200 1,294 3,853 SH   SOLE NONE 3,853 0 0
ISHARES S&P MID-CAP 400 GROWTH ETF S&P MC 400GR ETF 464287606 777 3,250 SH   SOLE NONE 3,250 0 0
ISHARES SHORT-TERM NATIONAL MUNI BOND ETF SHRT NAT MUN ETF 464288158 3,831 35,441 SH   SOLE NONE 35,441 0 0
ISHARES TR CORE MSCI TOTAL CORE MSCI TOTAL 46432F834 2,210 37,896 SH   SOLE NONE 37,896 0 0
ISHARES TR ESG AW MSCI EAFE ESG AW MSCI EAFE 46435G516 239 3,778 SH   SOLE NONE 3,778 0 0
ISHARES TR IBDS DEC28 ETF IBDS DEC28 ETF 46435U515 13,489 463,709 SH   SOLE NONE 463,709 0 0
ISHARES TR IBONDS 27 ETF IBONDS 27 ETF 46435UAA9 13,538 498,821 SH   SOLE NONE 498,821 0 0
ISHARES TR IBONDS DEC 2024 TERM MUNI BD ETF IBONDS DEC 46435U697 1,233 45,516 SH   SOLE NONE 45,516 0 0
ISHARES TR IBONDS DEC 2026 TERM CORP ETF IBONDS DEC2026 46435GAA0 13,541 504,906 SH   SOLE NONE 504,906 0 0
ISHARES TR IBONDS DEC 25 IBONDS DEC 25 46435U432 572 20,377 SH   SOLE NONE 20,377 0 0
ISHARES TR IBONDS DEC2023 TERM MUNI BD ETF IBONDS DEC2023 46435G318 1,485 56,519 SH   SOLE NONE 56,519 0 0
ISHARES TR INTL DIV GRWTH INTL DIV GRWTH 46435G524 1,750 32,042 SH   SOLE NONE 32,042 0 0
ISHARES TR INTL SEL DIV ETF INTL SEL DIV ETF 464288448 1,747 70,100 SH   SOLE NONE 70,100 0 0
ISHARES TR MBS ETF MBS ETF 464288588 20,422 184,982 SH   SOLE NONE 184,982 0 0
ISHARES TR MSCI CHINA ETF MSCI CHINA ETF 46429B671 341 4,599 SH   SOLE NONE 4,599 0 0
ISHARES TR MSCI EAFE MIN VL MSCI EAFE MIN VL 46429B689 615 9,031 SH   SOLE NONE 9,031 0 0
ISHARES TR MSCI INTL MOMENT MSCI INTL MOMENT 46434V449 919 27,074 SH   SOLE NONE 27,074 0 0
ISHARES TR MSCI USA MIN VOL MSCI USA MIN VOL 46429B697 3,510 55,082 SH   SOLE NONE 55,082 0 0
ISHARES TR MSCI USA MMENTM MSCI USA MMENTM 46432F396 290 1,974 SH   SOLE NONE 1,974 0 0
ISHARES TR MSCI USA QLT FCT MSCI USA QLT FCT 46432F339 438 4,226 SH   SOLE NONE 4,226 0 0
ISHARES TR NASDAQ BIOTECH NASDAQ BIOTECH 464287556 1,520 11,230 SH   SOLE NONE 11,230 0 0
ISHARES TR RUS 1000 GRW ETF RUS 1000 GRW ETF 464287614 367 1,695 SH   SOLE NONE 1,695 0 0
ISHARES TRUST 0-5YR HIGH YIELD CORP BD ISIN #US46434V4077 SEDOL #BFS2LL0 0-5YR HI YL CP 46434V407 645 14,687 SH   SOLE NONE 14,687 0 0
ISHARES TRUST CORE DIVID GWTH CORE DIV GRWTH 46434V621 511 12,845 SH   SOLE NONE 12,845 0 0
ISHARES TRUST GLOBAL REIT ETF GLOBAL REIT ETF 46434V647 7,349 349,497 SH   SOLE NONE 349,497 0 0
ISHARES TRUST S & P500/BAR S&P 500 GRWT ETF 464287309 636 2,753 SH   SOLE NONE 2,753 0 0
ITT INC COM COM 45073V108 207 3,518 SH   SOLE NONE 3,518 0 0
J P MORGAN EXCHANGE-TRADED FD BETBULD EUROPE BETBULD EUROPE 46641Q720 2,742 119,886 SH   SOLE NONE 119,886 0 0
JOHNSON &JOHNSON COM USD1.00 COM 478160104 1,752 11,773 SH   SOLE NONE 11,773 0 0
JPMORGAN CHASE & CO COM 46625H100 2,324 24,140 SH   SOLE NONE 24,140 0 0
KBR INC COM USD0.001 COM 48242W106 200 8,946 SH   SOLE NONE 8,946 0 0
KIMBERLY CLARK CORP COM USD1.25 COM 494368103 495 3,357 SH   SOLE NONE 3,357 0 0
KINDER MORGAN INC COM USD0.01 COM 49456B101 144 11,714 SH   SOLE NONE 11,714 0 0
KRANESHARES TR CSI CHINA INTERNET ETF CSI CHI INTERNET 500767306 631 9,268 SH   SOLE NONE 9,268 0 0
KT ADR REP 1/2 ORD SPONSORED ADR 48268K101 213 22,187 SH   SOLE NONE 22,187 0 0
LHC GROUP INC COM 50187A107 236 1,112 SH   SOLE NONE 1,112 0 0
LOCKHEED MARTIN CORP COM USD1.00 COM 539830109 1,673 4,367 SH   SOLE NONE 4,367 0 0
LULULEMON ATHLETICA INC COM USD0.005 COM 550021109 229 697 SH   SOLE NONE 697 0 0
MASTERCARD INCORPORATED CL A CL A 57636Q104 285 844 SH   SOLE NONE 844 0 0
MATERIALS SELECT SECTOR SPDR SBI MATERIALS 81369Y100 564 8,875 SH   SOLE NONE 8,875 0 0
MCDONALD S CORP COM 580135101 2,188 9,970 SH   SOLE NONE 9,970 0 0
MERCK &CO. INC COM COM 58933Y105 1,491 17,980 SH   SOLE NONE 17,980 0 0
MICROSOFT CORP COM 594918104 4,294 20,417 SH   SOLE NONE 20,417 0 0
MONSTER BEVERAGE CORP NEW COM COM 61174X109 202 2,528 SH   SOLE NONE 2,528 0 0
NETEASE INC ADS EACH REPR 25 COM STK USD0.0001 SPONSORED ADS 64110W102 370 814 SH   SOLE NONE 814 0 0
NETFLIX INC COM 64110L106 624 1,248 SH   SOLE NONE 1,248 0 0
NEXTERA ENERGY INC COM USD0.01 COM 65339F101 899 3,241 SH   SOLE NONE 3,241 0 0
NORFOLK SOUTHN CORP COM COM 655844108 329 1,537 SH   SOLE NONE 1,537 0 0
NOVARTIS AG SPONSORED ADR SPONSORED ADR 66987V109 456 5,254 SH   SOLE NONE 5,254 0 0
NOVO NORDISK A/S ADR-EACH CNV INTO 1 CLASS B DKK1 ADR 670100205 405 5,846 SH   SOLE NONE 5,846 0 0
NUVEEN PA MUN VALUE FUND COMMON SHARES OF BEN INT USD0.01 COM 67074K105 168 11,651 SH   SOLE NONE 11,651 0 0
NUVEEN PENNSYLVANIA QLT MUN FD COM COM 670972108 203 15,116 SH   SOLE NONE 15,116 0 0
NVIDIA CORPORATION COM COM 67066G104 1,064 1,966 SH   SOLE NONE 1,966 0 0
ORACLE CORP COM 68389X105 305 5,112 SH   SOLE NONE 5,112 0 0
PACCAR INC COM USD1.00 COM 693718108 606 7,109 SH   SOLE NONE 7,109 0 0
PACKAGING CORP OF AMERICA COM USD0.01 COM 695156109 293 2,688 SH   SOLE NONE 2,688 0 0
PATTERSON COS INC COM COM 703395103 208 8,642 SH   SOLE NONE 8,642 0 0
PAYPAL HLDGS INC COM COM 70450Y103 385 1,958 SH   SOLE NONE 1,958 0 0
PENSKE AUTOMOTIVE GROUP INC COM 70959W103 225 4,735 SH   SOLE NONE 4,735 0 0
PEPSICO INC COM 713448108 2,024 14,607 SH   SOLE NONE 14,607 0 0
PFIZER INC COM 717081103 1,604 43,722 SH   SOLE NONE 43,722 0 0
PHILIP MORRIS INTERNATIONAL INC COM NPV COM 718172109 251 3,349 SH   SOLE NONE 3,349 0 0
PHILLIPS 66 COM COM 718546104 287 5,548 SH   SOLE NONE 5,548 0 0
PNC FINANCIAL SERVICES GROUP COM USD5 COM 693475105 998 9,089 SH   SOLE NONE 9,089 0 0
PROCTER AND GAMBLE CO COM COM 742718109 2,013 14,489 SH   SOLE NONE 14,489 0 0
PROSHARES S&P 500 DIVIDEND ARISTOCRATS ETF S&P 500 DV ARIST 74348A467 215 2,987 SH   SOLE NONE 2,987 0 0
PRUDENTIAL ADR EACH REPR 2 ORD GBP0.05 ADR 74435K204 210 7,358 SH   SOLE NONE 7,358 0 0
PUBLIC STORAGE COM USD0.10 COM 74460D109 251 1,127 SH   SOLE NONE 1,127 0 0
PUBLIC SVC ENTERPRISE GRP INC COM COM 744573106 289 5,275 SH   SOLE NONE 5,275 0 0
QUALCOMM INC COM 747525103 227 1,930 SH   SOLE NONE 1,930 0 0
RADIAN GROUP INC COM USD0.001 COM 750236101 191 13,084 SH   SOLE NONE 13,084 0 0
RAYTHEON TECHNOLOGIES CORP COM COM 75513E101 516 8,985 SH   SOLE NONE 8,985 0 0
ROBERT HALF INTERNATIONAL INC COM 770323103 230 4,349 SH   SOLE NONE 4,349 0 0
ROYAL BANK OF CANADA MONTREAL QUE COM NPV ISIN #CA7800871021 SEDOL #2754383 COM 780087102 232 3,321 SH   SOLE NONE 3,321 0 0
SALESFORCE.COM INC COM USD0.001 COM 79466L302 729 2,901 SH   SOLE NONE 2,901 0 0
SANOFI ADR REP 1 1/2 ORD SPONSORED ADR 80105N105 281 5,602 SH   SOLE NONE 5,602 0 0
SAP ADR REP 1 ORD SPON ADR 803054204 265 1,707 SH   SOLE NONE 1,707 0 0
SCHWAB STRATEGIC TR EMERGING MKTS EQUITY ETF EMRG MKTEQ ETF 808524706 17,617 658,343 SH   SOLE NONE 658,343 0 0
SCHWAB STRATEGIC TR INTL EQUITY ETF INTL EQTY ETF 808524805 19,284 614,161 SH   SOLE NONE 614,161 0 0
SCHWAB STRATEGIC TR SHORT-TERM US TREASURY ETF SHT TM US TRES 808524862 41,177 799,553 SH   SOLE NONE 799,553 0 0
SCHWAB STRATEGIC TR US TIPS ETF US TIPS ETF 808524870 27,167 440,821 SH   SOLE NONE 440,821 0 0
SCOTTS MIRACLE-GRO CO CL A 810186106 225 1,476 SH   SOLE NONE 1,476 0 0
SELECT SECTOR SPDR TR COMMUNICATION COMMUNICATION 81369Y852 375 6,329 SH   SOLE NONE 6,329 0 0
SELECT SECTOR SPDR TRUST AMEX FINANCIAL SELECT INDEX USD DIS SBI INT-FINL 81369Y605 8,250 342,771 SH   SOLE NONE 342,771 0 0
SELECT SECTOR SPDR TRUST TECHNOLOGY SELECT SECTOR USD DIS TECHNOLOGY 81369Y803 714 6,119 SH   SOLE NONE 6,119 0 0
SHAW COMMUNICATIONS INC CL B CONV ISIN #CA82028K2002 SEDOL #2801836 CL B CONV 82028K200 248 13,635 SH   SOLE NONE 13,635 0 0
SK TELECOM ADR RPSTNG 1/9 ORD SPONSORED ADR 78440P108 259 11,588 SH   SOLE NONE 11,588 0 0
SNAP-ON INC COM 833034101 238 1,620 SH   SOLE NONE 1,620 0 0
SPDR BLACKSTONE/GSO SEN LOAN BLKSTN GSOSRLN 78467V608 293 6,556 SH   SOLE NONE 6,556 0 0
SPDR S & P INTERNATIONAL DIVIDEND ETF S&P INTL ETF 78463X772 2,558 75,849 SH   SOLE NONE 75,849 0 0
SPDR S&P500 ETF TRUST TRUST UNIT DEPOSITARY RECEIPT TR UNIT 78462F103 2,123 6,341 SH   SOLE NONE 6,341 0 0
SPDR SER TR S&P DIVID ETF S&P DIVID ETF 78464A763 207 2,249 SH   SOLE NONE 2,249 0 0
SPDR SERIES TRUST S&P 600 SMCP VAL S&P 600 SMCP VAL 78464A300 3,617 72,222 SH   SOLE NONE 72,222 0 0
STARBUCKS CORP COM USD0.001 COM 855244109 483 5,630 SH   SOLE NONE 5,630 0 0
TAIWAN SEMICONDUCTOR MANUFACTURING SPON ADS EACH REP 5 ORD TWD10 SPONSORED ADS 874039100 579 7,152 SH   SOLE NONE 7,152 0 0
TARGET CORP COM 87612E106 630 4,004 SH   SOLE NONE 4,004 0 0
TEXAS INSTRUMENTS INC COM USD1.00 COM 882508104 488 3,419 SH   SOLE NONE 3,419 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102 669 1,517 SH   SOLE NONE 1,517 0 0
THOMSON-REUTERS CORP COM NPV(POST REV SPLIT) ISIN #CA8849037095 SEDOL #BFXPTB0 COM NEW 884903709 360 4,514 SH   SOLE NONE 4,514 0 0
TIM PARTICIPACS ADR REP 5 ORD SPONSORED ADR 88706P205 173 15,058 SH   SOLE NONE 15,058 0 0
TORONTO DOMINION BANK ONT COM NPV ISIN #CA8911605092 SEDOL #2897222 COM NEW 891160509 384 8,317 SH   SOLE NONE 8,317 0 0
TOTAL SE SPON ADS EA REP 1 ORD SHS SPONSORED ADS 89151E109 254 7,431 SH   SOLE NONE 7,431 0 0
TOYOTA MOTOR ADR REP 2 ORD SP ADR REP2COM 892331307 324 2,448 SH   SOLE NONE 2,448 0 0
UNION PAC CORP COM COM 907818108 765 3,890 SH   SOLE NONE 3,890 0 0
UNITED PARCEL SERVICE INC CL B 911312106 286 1,722 SH   SOLE NONE 1,722 0 0
UNITEDHEALTH GROUP INC COM 91324P102 565 1,813 SH   SOLE NONE 1,813 0 0
VANECK VECTORS ETF TR HIGH YLD MUN ETF HIGH YLD MUN ETF 92189H409 1,397 23,372 SH   SOLE NONE 23,372 0 0
VANECK VECTORS ETF TR INTRMDT MUNI ETF INTRMDT MUNI ETF 92189H201 4,070 79,385 SH   SOLE NONE 79,385 0 0
VANECK VECTORS ETF TR JP MORGAN MKTS JP MORGAN MKTS 92189H300 316 10,269 SH   SOLE NONE 10,269 0 0
VANECK VECTORS ETF TR SHRT HGH YLD MUN SHRT HGH YLD MUN 92189F387 343 14,098 SH   SOLE NONE 14,098 0 0
VANGUARD CHARLOTTE TOTAL INTL BD INDEX FD ETF INTL BD IDX ETF 92203J407 6,582 113,133 SH   SOLE NONE 113,133 0 0
VANGUARD CONSUMER DISCRETIONARY ETF CONSUM DIS ETF 92204A108 14,833 63,222 SH   SOLE NONE 63,222 0 0
VANGUARD FINANCIALS ETF FINANCIALS ETF 92204A405 541 9,264 SH   SOLE NONE 9,264 0 0
VANGUARD HEALTH CARE ETF HEALTH CAR ETF 92204A504 19,316 94,690 SH   SOLE NONE 94,690 0 0
VANGUARD IDX FUND TOTAL STK MKT 922908769 1,734 10,185 SH   SOLE NONE 10,185 0 0
VANGUARD INDEX FDS VANGUARD GROWTH ETF FORMERLY VANGUARD INDEX TR VIPERS GROWTH ETF 922908736 1,383 6,079 SH   SOLE NONE 6,079 0 0
VANGUARD INDEX FUNDS S&P 500 ETF USD S&P 500 ETF SHS 922908363 245 798 SH   SOLE NONE 798 0 0
VANGUARD INDUSTRIALS ETF INDUSTRIAL ETF 92204A603 13,541 93,539 SH   SOLE NONE 93,539 0 0
VANGUARD INTL EQUITY INDEX FDS FTSE EMR MKT ETF FTSE EMR MKT ETF 922042858 3,045 70,432 SH   SOLE NONE 70,432 0 0
VANGUARD INTL EQUITY INDEX FDS FTSE EUROPE ETF FTSE EUROPE ETF 922042874 802 15,302 SH   SOLE NONE 15,302 0 0
VANGUARD INTL EQUITY INDEX FDS FTSE PACIFIC ETF FTSE PACIFIC ETF 922042866 2,324 34,156 SH   SOLE NONE 34,156 0 0
VANGUARD INTL EQUITY INDEX FDS FTSE SMCAP ETF FTSE SMCAP ETF 922042718 7,163 68,036 SH   SOLE NONE 68,036 0 0
VANGUARD INTL EQUITY INDEX FDS TT WRLD ST ETF TT WRLD ST ETF 922042742 217 2,697 SH   SOLE NONE 2,697 0 0
VANGUARD LARGE-CAP INDEX FUND LARGE CAP ETF 922908637 749 4,789 SH   SOLE NONE 4,789 0 0
VANGUARD MATERIALS INDEX FUND MATERIALS ETF 92204A801 238 1,774 SH   SOLE NONE 1,774 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD TAX EXEMPT BD 922907746 407 7,487 SH   SOLE NONE 7,487 0 0
VANGUARD RUSSELL 1000 GROWTH ETF VNG RUS1000GRW 92206C680 297 1,335 SH   SOLE NONE 1,335 0 0
VANGUARD S&P SMALL-CAP 600 V SMLCP 600 VAL 921932778 1,377 12,975 SH   SOLE NONE 12,975 0 0
VANGUARD SMALL CAP VALUE ETF SM CP VAL ETF 922908611 2,869 25,933 SH   SOLE NONE 25,933 0 0
VANGUARD SMALL-CAP GROWTH INDEX FUND SML CP GRW ETF 922908595 364 1,694 SH   SOLE NONE 1,694 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF DIV APP ETF 921908844 211 1,644 SH   SOLE NONE 1,644 0 0
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF FTSE DEV MKT ETF 921943858 236 5,773 SH   SOLE NONE 5,773 0 0
VANGUARD TOTAL INTERNATIONAL STOCK INDEX FUND VG TL INTL STK F 921909768 370 7,096 SH   SOLE NONE 7,096 0 0
VANGUARD UTILITIES ETF UTILITIES ETF 92204A876 4,759 36,868 SH   SOLE NONE 36,868 0 0
VANGUARD WHITEHALL FDS EMERG MKT BD ETF EMERG MKT BD ETF 921946885 442 5,611 SH   SOLE NONE 5,611 0 0
VANGUARD WHITEHALL FDS HIGH DIV YLD HIGH DIV YLD 921946406 1,417 17,513 SH   SOLE NONE 17,513 0 0
VANGUARD WHITEHALL FDS INTL DVD ETF INTL DVD ETF 921946810 28,533 396,237 SH   SOLE NONE 396,237 0 0
VANGUARD WORLD FD ESG US STK ETF ESG US STK ETF 921910733 766 12,400 SH   SOLE NONE 12,400 0 0
VANGUARD WORLD FDS COMM SRVC ETF COMM SRVC ETF 92204A884 15,094 148,178 SH   SOLE NONE 148,178 0 0
VANGUARD WORLD FDS VANGUARD CONSUMER STAPLES ETF CONSUM STP ETF 92204A207 11,985 73,367 SH   SOLE NONE 73,367 0 0
VANGUARD WORLD FDS VANGUARD INFORMATION TECHNOLOGY ETF INF TECH ETF 92204A702 43,410 139,380 SH   SOLE NONE 139,380 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 2,358 39,641 SH   SOLE NONE 39,641 0 0
VISA INC COM CL A 92826C839 1,117 5,589 SH   SOLE NONE 5,589 0 0
WALMART INC COM COM 931142103 613 4,383 SH   SOLE NONE 4,383 0 0
WALT DISNEY CO COM DISNEY 254687106 822 6,626 SH   SOLE NONE 6,626 0 0
WEC ENERGY GROUP INC COM COM 92939U106 426 4,403 SH   SOLE NONE 4,403 0 0
WISDOMTREE TR EMERGING MKTS HIGH DIVID FD EMER MKT HIGH FD 97717W315 1,257 35,687 SH   SOLE NONE 35,687 0 0
YUM! BRANDS INC COM 988498101 209 2,291 SH   SOLE NONE 2,291 0 0
ZENDESK INC COM USD0.01 COM 98936J101 224 2,181 SH   SOLE NONE 2,181 0 0
ZOETIS INC CL A 98978V103 407 2,464 SH   SOLE NONE 2,464 0 0
ZOOM VIDEO COMMUNICATIONS INC CL A CL A 98980L101 352 750 SH   SOLE NONE 750 0 0