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 93 525 SH   SOLE 2 0 0 525
ABBOTT LABS COM 002824100 28 321 SH   DFND 3 0 0 321
ABBOTT LABS COM 002824100 637 7,339 SH   SOLE 2 0 0 7,339
ADOBE INC COM 00724F101 55 168 SH   DFND 3 0 0 168
AES CORP COM 00130H105 65 3,266 SH   SOLE 2 0 0 3,266
AFLAC INC COM 001055102 24 458 SH   SOLE 2 0 0 458
ALIBABA GROUP HLDG LTD SPONSORED ADS 01609W102 148 696 SH   SOLE 2 0 0 696
ALPHABET INC CAP STK CL C 02079K107 48 36 SH   DFND 3 0 0 36
ALPHABET INC CAP STK CL C 02079K107 55 41 SH   SOLE 2 0 0 41
ALPHABET INC CAP STK CL A 02079K305 58 43 SH   DFND 3 0 0 43
ALPHABET INC CAP STK CL A 02079K305 161 120 SH   SOLE 2 0 0 120
ALTRIA GROUP INC COM 02209S103 234 4,681 SH   SOLE 2 0 0 4,681
AMAZON COM INC COM 023135106 113 61 SH   DFND 3 0 0 61
AMAZON COM INC COM 023135106 157 85 SH   SOLE 2 0 0 85
AMERICA MOVIL SAB DE CV SPON ADR L SHS 02364W105 36 2,256 SH   SOLE 2 0 0 2,256
AMERICAN EXPRESS CO COM 025816109 26 206 SH   DFND 3 0 0 206
AMERICAN TOWER CORP NEW COM 03027X100 21 92 SH   DFND 3 0 0 92
AMGEN INC COM 031162100 92 380 SH   SOLE 2 0 0 380
APPLE INC COM 037833100 59 200 SH Call SOLE 2 0 0 200
APPLE INC COM 037833100 220 750 SH   DFND 3 0 0 750
APPLE INC COM 037833100 1,259 4,287 SH   SOLE 2 0 0 4,287
AQUA AMERICA INC COM 03836W103 51 1,089 SH   SOLE 2 0 0 1,089
ARES CAP CORP COM 04010L103 141 7,584 SH   SOLE 2 0 0 7,584
AT&T INC COM 00206R102 33 833 SH   DFND 3 0 0 833
AT&T INC COM 00206R102 414 10,588 SH   SOLE 2 0 0 10,588
AUTOMATIC DATA PROCESSING IN COM 053015103 71 416 SH   SOLE 2 0 0 416
BANK AMER CORP COM 060505104 61 1,728 SH   DFND 3 0 0 1,728
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 60 264 SH   DFND 3 0 0 264
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 687 3,031 SH   SOLE 2 0 0 3,031
BOEING CO COM 097023105 366 1,124 SH   SOLE 2 0 0 1,124
BRISTOL MYERS SQUIBB CO COM 110122108 23 362 SH   DFND 3 0 0 362
BRIXMOR PPTY GROUP INC COM 11120U105 29 1,344 SH   SOLE 2 0 0 1,344
CARDIOVASCULAR SYS INC DEL COM 141619106 52 1,073 SH   SOLE 2 0 0 1,073
CHEVRON CORP NEW COM 166764100 28 232 SH   DFND 3 0 0 232
CHEVRON CORP NEW COM 166764100 96 800 SH   SOLE 2 0 0 800
CHIMERA INVT CORP COM NEW 16934Q208 28 1,383 SH   SOLE 2 0 0 1,383
CISCO SYS INC COM 17275R102 38 796 SH   DFND 3 0 0 796
CISCO SYS INC COM 17275R102 104 2,169 SH   SOLE 2 0 0 2,169
CITIGROUP INC COM NEW 172967424 27 340 SH   DFND 3 0 0 340
CLOROX CO DEL COM 189054109 54 355 SH   SOLE 2 0 0 355
COCA COLA CO COM 191216100 23 417 SH   DFND 3 0 0 417
COCA COLA CO COM 191216100 46 830 SH   SOLE 2 0 0 830
COLGATE PALMOLIVE CO COM 194162103 306 4,451 SH   SOLE 2 0 0 4,451
COMCAST CORP NEW CL A 20030N101 41 921 SH   DFND 3 0 0 921
COMCAST CORP NEW CL A 20030N101 262 5,829 SH   SOLE 2 0 0 5,829
COMMUNITY BK SYS INC COM 203607106 770 10,853 SH   SOLE 2 0 0 10,853
CONSOLIDATED EDISON INC COM 209115104 26 292 SH   SOLE 2 0 0 292
CONSTELLATION BRANDS INC CL A 21036P108 20 108 SH   SOLE 2 0 0 108
COSTCO WHSL CORP NEW COM 22160K105 29 97 SH   DFND 3 0 0 97
CSX CORP COM 126408103 61 848 SH   SOLE 2 0 0 848
DELTA AIR LINES INC DEL COM NEW 247361702 25 429 SH   SOLE 2 0 0 429
DISNEY WALT CO COM DISNEY 254687106 71 493 SH   DFND 3 0 0 493
DISNEY WALT CO COM DISNEY 254687106 115 797 SH   SOLE 2 0 0 797
DUKE ENERGY CORP NEW COM NEW 26441C204 73 802 SH   SOLE 2 0 0 802
EMERSON ELEC CO COM 291011104 32 419 SH   SOLE 2 0 0 419
ENBRIDGE INC COM 29250N105 84 2,106 SH   SOLE 2 0 0 2,106
ENERGY TRANSFER LP COM UT LTD PTN 29273V100 33 2,562 SH   SOLE 2 0 0 2,562
ENTERPRISE PRODS PARTNERS L COM 293792107 43 1,536 SH   SOLE 2 0 0 1,536
ESSA BANCORP INC COM 29667D104 20 1,160 SH   SOLE 2 0 0 1,160
EXXON MOBIL CORP COM 30231G102 23 331 SH   DFND 3 0 0 331
EXXON MOBIL CORP COM 30231G102 1,192 17,076 SH   SOLE 2 0 0 17,076
FACEBOOK INC CL A 30303M102 76 371 SH   DFND 3 0 0 371
FACEBOOK INC CL A 30303M102 226 1,100 SH   SOLE 2 0 0 1,100
FORD MTR CO DEL COM 345370860 42 4,545 SH   SOLE 2 0 0 4,545
FORTUNE BRANDS HOME & SEC IN COM 34964C106 37 562 SH   SOLE 2 0 0 562
FULTON FINL CORP PA COM 360271100 302 17,325 SH   SOLE 2 0 0 17,325
GENERAL ELECTRIC CO COM 369604103 159 14,223 SH   SOLE 2 0 0 14,223
GENERAL MLS INC COM 370334104 20 379 SH   SOLE 2 0 0 379
GOLDMAN SACHS GROUP INC COM 38141G104 71 309 SH   SOLE 2 0 0 309
GOLDMAN SACHS GROUP INC COM 38141G104 92 400 SH Call SOLE 2 0 0 400
HOME DEPOT INC COM 437076102 56 256 SH   DFND 3 0 0 256
HOME DEPOT INC COM 437076102 1,021 4,673 SH   SOLE 2 0 0 4,673
HONEYWELL INTL INC COM 438516106 31 177 SH   DFND 3 0 0 177
HORMEL FOODS CORP COM 440452100 108 2,386 SH   SOLE 2 0 0 2,386
INTEL CORP COM 458140100 31 520 SH   DFND 3 0 0 520
INTEL CORP COM 458140100 180 3,001 SH   SOLE 2 0 0 3,001
INTERNATIONAL BUSINESS MACHS COM 459200101 150 1,119 SH   SOLE 2 0 0 1,119
INTL PAPER CO COM 460146103 31 672 SH   SOLE 2 0 0 672
INVESCO EXCHNG TRADED FD TR S&P GBL WATER 46138E263 27 651 SH   SOLE 2 0 0 651
INVESCO EXCHNG TRADED FD TR SR LN ETF 46138G508 80 3,486 SH   SOLE 2 0 0 3,486
INVESCO QQQ TR UNIT SER 1 46090E103 22 102 SH   SOLE 2 0 0 102
IRON MTN INC NEW COM 46284V101 23 727 SH   SOLE 2 0 0 727
ISHARES SILVER TRUST ISHARES 46428Q109 33 2,000 SH   SOLE 2 0 0 2,000
ISHARES TR MIN VOL EAFE ETF 46429B689 20 263 SH   SOLE 2 0 0 263
ISHARES TR S&P MC 400GR ETF 464287606 24 100 SH   SOLE 2 0 0 100
ISHARES TR IBONDS DEC20 ETF 46434VAQ3 43 1,707 SH   SOLE 2 0 0 1,707
ISHARES TR IBONDS DEC21 ETF 46434VBK5 45 1,792 SH   SOLE 2 0 0 1,792
ISHARES TR IBOXX INV CP ETF 464287242 53 416 SH   SOLE 2 0 0 416
ISHARES TR IBONDS DEC22 ETF 46434VBA7 55 2,170 SH   SOLE 2 0 0 2,170
ISHARES TR RUSSELL 3000 ETF 464287689 76 402 SH   SOLE 2 0 0 402
ISHARES TR MBS ETF 464288588 89 819 SH   SOLE 2 0 0 819
ISHARES TR CORE S&P MCP ETF 464287507 92 445 SH   SOLE 2 0 0 445
ISHARES TR IBONDS MAR20 ETF 46432FBC0 100 3,840 SH   SOLE 2 0 0 3,840
ISHARES TR CORE S&P SCP ETF 464287804 109 1,295 SH   SOLE 2 0 0 1,295
ISHARES TR RUS 1000 ETF 464287622 178 1,000 SH   SOLE 2 0 0 1,000
ISHARES TR JPMORGAN USD EMG 464288281 182 1,590 SH   SOLE 2 0 0 1,590
ISHARES TR CORE MSCI EAFE 46432F842 204 3,126 SH   SOLE 2 0 0 3,126
ISHARES TR US TREAS BD ETF 46429B267 239 9,201 SH   SOLE 2 0 0 9,201
ISHARES TR CORE S&P500 ETF 464287200 475 1,469 SH   SOLE 2 0 0 1,469
ISHARES TR SHRT NAT MUN ETF 464288158 2,548 23,866 SH   SOLE 2 0 0 23,866
ISHARES TR MSCI MIN VOL ETF 46429B697 7,554 115,152 SH   SOLE 2 0 0 115,152
ISHARES TR CORE MSCI TOTAL 46432F834 11,320 182,877 SH   SOLE 2 0 0 182,877
ISHARES TR NATIONAL MUN ETF 464288414 19,005 166,843 SH   SOLE 2 0 0 166,843
JOHNSON & JOHNSON COM 478160104 43 294 SH   DFND 3 0 0 294
JOHNSON & JOHNSON COM 478160104 218 1,495 SH   SOLE 2 0 0 1,495
JPMORGAN CHASE & CO COM 46625H100 78 562 SH   DFND 3 0 0 562
JPMORGAN CHASE & CO COM 46625H100 184 1,320 SH   SOLE 2 0 0 1,320
KIMBERLY CLARK CORP COM 494368103 27 193 SH   SOLE 2 0 0 193
KIMCO RLTY CORP COM 49446R109 23 1,100 SH   SOLE 2 0 0 1,100
KKR & CO INC CL A 48251W104 25 869 SH   SOLE 2 0 0 869
LAKELAND BANCORP INC COM 511637100 153 8,776 SH   SOLE 2 0 0 8,776
LIBERTY PPTY TR SH BEN INT 531172104 23 384 SH   SOLE 2 0 0 384
LILLY ELI & CO COM 532457108 24 186 SH   DFND 3 0 0 186
LINDE PLC SHS G5494J103 20 95 SH   DFND 3 0 0 95
LOCKHEED MARTIN CORP COM 539830109 1,199 3,078 SH   SOLE 2 0 0 3,078
LOWES COS INC COM 548661107 21 179 SH   DFND 3 0 0 179
LOWES COS INC COM 548661107 158 1,322 SH   SOLE 2 0 0 1,322
MAGELLAN MIDSTREAM PRTNRS LP COM UNIT RP LP 559080106 32 512 SH   SOLE 2 0 0 512
MARTIN MARIETTA MATLS INC COM 573284106 88 316 SH   SOLE 2 0 0 316
MASTERCARD INC CL A 57636Q104 59 196 SH   DFND 3 0 0 196
MASTERCARD INC CL A 57636Q104 77 256 SH   SOLE 2 0 0 256
MCDONALDS CORP COM 580135101 28 141 SH   DFND 3 0 0 141
MCDONALDS CORP COM 580135101 247 1,249 SH   SOLE 2 0 0 1,249
MERCK & CO INC COM 58933Y105 26 282 SH   DFND 3 0 0 282
MERIDIAN BK PAOLI PA COM 58958P104 1,149 56,924 SH   SOLE 2 0 0 56,924
MICROSOFT CORP COM 594918104 194 1,231 SH   DFND 3 0 0 1,231
MICROSOFT CORP COM 594918104 397 2,516 SH   SOLE 2 0 0 2,516
NATIONAL GRID PLC SPONSORED ADR NE 636274409 22 354 SH   SOLE 2 0 0 354
NEW JERSEY RES COM 646025106 249 5,592 SH   SOLE 2 0 0 5,592
NEXTERA ENERGY INC COM 65339F101 201 831 SH   SOLE 2 0 0 831
NIKE INC CL B 654106103 22 219 SH   DFND 3 0 0 219
NORWEGIAN CRUISE LINE HLDG L SHS G66721104 29 500 SH Call SOLE 2 0 0 500
NUSTAR ENERGY LP UNIT COM 67058H102 21 825 SH   SOLE 2 0 0 825
NVIDIA CORP COM 67066G104 22 94 SH   SOLE 2 0 0 94
ORACLE CORP COM 68389X105 24 452 SH   DFND 3 0 0 452
ORACLE CORP COM 68389X105 72 1,364 SH   SOLE 2 0 0 1,364
PAYPAL HLDGS INC COM 70450Y103 20 183 SH   DFND 3 0 0 183
PEPSICO INC COM 713448108 43 316 SH   DFND 3 0 0 316
PEPSICO INC COM 713448108 255 1,865 SH   SOLE 2 0 0 1,865
PFIZER INC COM 717081103 29 732 SH   DFND 3 0 0 732
PFIZER INC COM 717081103 234 5,981 SH   SOLE 2 0 0 5,981
PHILIP MORRIS INTL INC COM 718172109 33 384 SH   SOLE 2 0 0 384
PHILLIPS 66 COM 718546104 26 236 SH   SOLE 2 0 0 236
PNC FINL SVCS GROUP INC COM 693475105 29 182 SH   SOLE 2 0 0 182
PPG INDS INC COM 693506107 27 200 SH   SOLE 2 0 0 200
PROCTER & GAMBLE CO COM 742718109 61 492 SH   DFND 3 0 0 492
PROCTER & GAMBLE CO COM 742718109 338 2,707 SH   SOLE 2 0 0 2,707
PUBLIC SVC ENTERPRISE GRP IN COM 744573106 236 3,998 SH   SOLE 2 0 0 3,998
QUALCOMM INC COM 747525103 20 226 SH   DFND 3 0 0 226
QUEST DIAGNOSTICS INC COM 74834L100 54 501 SH   SOLE 2 0 0 501
RAYTHEON CO COM NEW 755111507 41 187 SH   SOLE 2 0 0 187
RITE AID CORP COM 767754872 61 3,911 SH   SOLE 2 0 0 3,911
ROKU INC COM CL A 77543R102 21 154 SH   SOLE 2 0 0 154
S&P GLOBAL INC COM 78409V104 437 1,600 SH   SOLE 2 0 0 1,600
SANOFI SPONSORED ADR 80105N105 29 572 SH   SOLE 2 0 0 572
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 38 627 SH   SOLE 2 0 0 627
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 45 484 SH   SOLE 2 0 0 484
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 315 5,899 SH   SOLE 2 0 0 5,899
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 716 9,467 SH   SOLE 2 0 0 9,467
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 841 14,521 SH   SOLE 2 0 0 14,521
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 3,230 117,999 SH   SOLE 2 0 0 117,999
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 8,246 137,087 SH   SOLE 2 0 0 137,087
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 9,933 295,374 SH   SOLE 2 0 0 295,374
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 10,584 137,665 SH   SOLE 2 0 0 137,665
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 19,279 250,999 SH   SOLE 2 0 0 250,999
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 25,140 498,027 SH   SOLE 2 0 0 498,027
SEATTLE GENETICS INC COM 812578102 97 850 SH   SOLE 2 0 0 850
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 84 918 SH   SOLE 2 0 0 918
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 91 891 SH   SOLE 2 0 0 891
SELECT SECTOR SPDR TR ENERGY 81369Y506 113 1,875 SH   SOLE 2 0 0 1,875
SERVICE CORP INTL COM 817565104 120 2,615 SH   SOLE 2 0 0 2,615
SHOPIFY INC CL A 82509L107 32 80 SH   SOLE 2 0 0 80
SIMON PPTY GROUP INC NEW COM 828806109 52 350 SH   SOLE 2 0 0 350
SIRIUS XM HLDGS INC COM 82968B103 93 13,000 SH   SOLE 2 0 0 13,000
SMITH A O CORP COM 831865209 41 859 SH   SOLE 2 0 0 859
SOUTHERN CO COM 842587107 26 413 SH   SOLE 2 0 0 413
SPDR GOLD TRUST GOLD SHS 78463V107 201 1,404 SH   SOLE 2 0 0 1,404
SPDR S&P 500 ETF TR TR UNIT 78462F103 283 880 SH   SOLE 2 0 0 880
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 128 340 SH   SOLE 2 0 0 340
SPDR SERIES TRUST SPDR BLOOMBERG 78468R663 32 346 SH   SOLE 2 0 0 346
SPDR SERIES TRUST BLMBRG BRC CNVRT 78464A359 63 1,136 SH   SOLE 2 0 0 1,136
SPDR SERIES TRUST BLOOMBERG BRCLYS 78468R622 326 2,979 SH   SOLE 2 0 0 2,979
SPROTT PHYSICAL GOLD TRUST UNIT 85207H104 55 4,500 SH   SOLE 2 0 0 4,500
STARBUCKS CORP COM 855244109 26 297 SH   DFND 3 0 0 297
STARBUCKS CORP COM 855244109 194 2,210 SH   SOLE 2 0 0 2,210
SUN LIFE FINL INC COM 866796105 26 576 SH   SOLE 2 0 0 576
SYSCO CORP COM 871829107 20 239 SH   SOLE 2 0 0 239
T MOBILE US INC COM 872590104 27 350 SH   SOLE 2 0 0 350
TANGER FACTORY OUTLET CTRS I COM 875465106 29 1,942 SH   SOLE 2 0 0 1,942
TARGET CORP COM 87612E106 87 679 SH   SOLE 2 0 0 679
TELADOC HEALTH INC COM 87918A105 21 250 SH   SOLE 2 0 0 250
TESLA INC COM 88160R101 154 367 SH   SOLE 2 0 0 367
TEXAS INSTRS INC COM 882508104 33 255 SH   DFND 3 0 0 255
TEXAS INSTRS INC COM 882508104 791 6,168 SH   SOLE 2 0 0 6,168
THERMO FISHER SCIENTIFIC INC COM 883556102 41 125 SH   DFND 3 0 0 125
THERMO FISHER SCIENTIFIC INC COM 883556102 51 158 SH   SOLE 2 0 0 158
TOMPKINS FINANCIAL CORPORATI COM 890110109 53 579 SH   SOLE 2 0 0 579
TORONTO DOMINION BK ONT COM NEW 891160509 40 704 SH   SOLE 2 0 0 704
TRAVELERS COMPANIES INC COM 89417E109 41 300 SH   SOLE 2 0 0 300
TRUIST FINL CORP COM 89832Q109 74 1,317 SH   SOLE 2 0 0 1,317
UNION PACIFIC CORP COM 907818108 20 108 SH   DFND 3 0 0 108
UNITED PARCEL SERVICE INC CL B 911312106 23 197 SH   SOLE 2 0 0 197
UNITED TECHNOLOGIES CORP COM 913017109 22 149 SH   DFND 3 0 0 149
UNITED TECHNOLOGIES CORP COM 913017109 195 1,302 SH   SOLE 2 0 0 1,302
UNITEDHEALTH GROUP INC COM 91324P102 29 97 SH   DFND 3 0 0 97
UNIVERSAL HEALTH RLTY INCM T SH BEN INT 91359E105 54 462 SH   SOLE 2 0 0 462
VANECK VECTORS ETF TR HIGH YLD MUN ETF 92189H409 68 1,057 SH   SOLE 2 0 0 1,057
VANECK VECTORS ETF TR JP MORGAN MKTS 92189H300 182 5,355 SH   SOLE 2 0 0 5,355
VANGUARD BD INDEX FD INC INTERMED TERM 921937819 258 2,955 SH   SOLE 2 0 0 2,955
VANGUARD BD INDEX FD INC SHORT TRM BOND 921937827 287 3,560 SH   SOLE 2 0 0 3,560
VANGUARD BD INDEX FD INC TOTAL BND MRKT 921937835 645 7,693 SH   SOLE 2 0 0 7,693
VANGUARD GROUP DIV APP ETF 921908844 166 1,335 SH   SOLE 2 0 0 1,335
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 48 516 SH   SOLE 2 0 0 516
VANGUARD INDEX FDS VALUE ETF 922908744 55 461 SH   SOLE 2 0 0 461
VANGUARD INDEX FDS GROWTH ETF 922908736 81 446 SH   SOLE 2 0 0 446
VANGUARD INDEX FDS SMALL CP ETF 922908751 99 598 SH   SOLE 2 0 0 598
VANGUARD INDEX FDS MID CAP ETF 922908629 190 1,069 SH   SOLE 2 0 0 1,069
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 264 894 SH   SOLE 2 0 0 894
VANGUARD INDEX FDS TOTAL STK MKT 922908769 2,615 15,982 SH   SOLE 2 0 0 15,982
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676 28 469 SH   SOLE 2 0 0 469
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 1,273 23,676 SH   SOLE 2 0 0 23,676
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 5,927 133,277 SH   SOLE 2 0 0 133,277
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 137 2,780 SH   SOLE 2 0 0 2,780
VANGUARD MUN BD FD INC TAX EXEMPT BD 922907746 77 1,444 SH   SOLE 2 0 0 1,444
VANGUARD SCOTTSDALE FDS MORTG-BACK SEC 92206C771 52 978 SH   SOLE 2 0 0 978
VANGUARD STAR FD VG TL INTL STK F 921909768 336 6,041 SH   SOLE 2 0 0 6,041
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 723 16,402 SH   SOLE 2 0 0 16,402
VANGUARD WHITEHALL FDS INC HIGH DIV YLD 921946406 28 298 SH   SOLE 2 0 0 298
VANGUARD WORLD FD MEGA GRWTH IND 921910816 95 650 SH   SOLE 2 0 0 650
VANGUARD WORLD FDS INF TECH ETF 92204A702 95 389 SH   SOLE 2 0 0 389
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504 103 535 SH   SOLE 2 0 0 535
VENTAS INC COM 92276F100 22 378 SH   SOLE 2 0 0 378
VERIZON COMMUNICATIONS INC COM 92343V104 25 408 SH   DFND 3 0 0 408
VERIZON COMMUNICATIONS INC COM 92343V104 141 2,292 SH   SOLE 2 0 0 2,292
VISA INC COM CL A 92826C839 79 421 SH   DFND 3 0 0 421
W P CAREY INC COM 92936U109 44 550 SH   SOLE 2 0 0 550
WALMART INC COM 931142103 30 253 SH   DFND 3 0 0 253
WALMART INC COM 931142103 121 1,015 SH   SOLE 2 0 0 1,015
WASTE MGMT INC DEL COM 94106L109 56 489 SH   SOLE 2 0 0 489
WEC ENERGY GROUP INC COM 92939U106 35 375 SH   SOLE 2 0 0 375
WELLS FARGO CO NEW COM 949746101 2,163 40,203 SH   SOLE 2 0 0 40,203
WISDOMTREE TR CBOE S&P 500 97717X560 28 979 SH   SOLE 2 0 0 979
XCEL ENERGY INC COM 98389B100 33 515 SH   SOLE 2 0 0 515