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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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
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 215,275 5,161,227 SH   SOLE   0 0 5,161,227
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 182,429 677,798 SH   SOLE   0 0 677,798
ISHARES TR US TREAS BD ETF 46429B267 174,717 6,768,045 SH   SOLE   0 0 6,768,045
ISHARES TR CORE S&P500 ETF 464287200 112,662 382,229 SH   SOLE   0 0 382,229
VANGUARD INDEX FDS TOTAL STK MKT 922908769 90,354 601,997 SH   SOLE   0 0 601,997
ISHARES TR CORE S&P SCP ETF 464287804 55,003 702,650 SH   SOLE   0 0 702,650
SPDR S&P 500 ETF TR TR UNIT 78462F103 52,424 178,923 SH   SOLE   0 0 178,923
VANGUARD STAR FD VG TL INTL STK F 921909768 46,912 889,329 SH   SOLE   0 0 889,329
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 41,487 975,465 SH   SOLE   0 0 975,465
ISHARES TR CORE US AGGBD ET 464287226 35,938 322,752 SH   SOLE   0 0 322,752
VANGUARD BD INDEX FD INC TOTAL BND MRKT 921937835 15,170 182,613 SH   SOLE   0 0 182,613
ISHARES TR 3 7 YR TREAS BD 464288661 13,160 104,643 SH   SOLE   0 0 104,643
ISHARES TR NATIONAL MUN ETF 464288414 10,433 92,252 SH   SOLE   0 0 92,252
SPDR SERIES TRUST SPDR BLOOMBERG 78468R663 9,358 102,150 SH   SOLE   0 0 102,150
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 8,871 101,494 SH   SOLE   0 0 101,494
ISHARES TR CORE S&P TTL STK 464287150 8,079 121,252 SH   SOLE   0 0 121,252
FIRST TR EXCHANGE TRADED FD NO AMER ENERGY 33738D101 7,100 282,292 SH   SOLE   0 0 282,292
SPDR SERIES TRUST S&P DIVID ETF 78464A763 6,927 68,666 SH   SOLE   0 0 68,666
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 6,029 91,395 SH   SOLE   0 0 91,395
INVESCO EXCHNG TRADED FD TR TAXABLE MUN BD 46138G805 5,278 167,888 SH   SOLE   0 0 167,888
ISHARES TR 1 3 YR TREAS BD 464287457 3,476 41,001 SH   SOLE   0 0 41,001
REAVES UTIL INCOME FD COM SH BEN INT 756158101 3,095 86,442 SH   SOLE   0 0 86,442
ISHARES TR IBOXX INV CP ETF 464287242 2,716 21,842 SH   SOLE   0 0 21,842
VANGUARD MUN BD FD INC TAX EXEMPT BD 922907746 2,273 42,836 SH   SOLE   0 0 42,836
SPDR S&P 500 ETF TR TR UNIT 78462F103 2,198 7,500 SH Put SOLE   0 0 7,500
EATON VANCE NEW YORK MUN BD COM 27827Y109 2,182 182,112 SH   SOLE   0 0 182,112
ISHARES TR CORE HIGH DV ETF 46429B663 1,729 18,299 SH   SOLE   0 0 18,299
MICROSOFT CORP COM 594918104 1,694 12,648 SH   SOLE   0 0 12,648
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 1,520 30,829 SH   SOLE   0 0 30,829
ISHARES TR S&P 500 GRWT ETF 464287309 1,042 5,812 SH   SOLE   0 0 5,812
SPDR DOW JONES INDL AVRG ETF UT SER 1 78467X109 999 3,758 SH   SOLE   0 0 3,758
SPDR SERIES TRUST NUVEEN BLMBRG SR 78468R739 998 20,403 SH   SOLE   0 0 20,403
FACEBOOK INC CL A 30303M102 970 5,027 SH   SOLE   0 0 5,027
ISHARES TR MSCI EAFE ETF 464287465 953 14,493 SH   SOLE   0 0 14,493
MASTERCARD INC CL A 57636Q104 909 3,437 SH   SOLE   0 0 3,437
PHILIP MORRIS INTL INC COM 718172109 888 11,305 SH   SOLE   0 0 11,305
ALPHABET INC CAP STK CL C 02079K107 866 801 SH   SOLE   0 0 801
LEAR CORP COM NEW 521865204 866 6,217 SH   SOLE   0 0 6,217
ALTRIA GROUP INC COM 02209S103 800 16,903 SH   SOLE   0 0 16,903
VISA INC COM CL A 92826C839 773 4,452 SH   SOLE   0 0 4,452
APPLE INC COM 037833100 769 3,883 SH   SOLE   0 0 3,883
AT&T INC COM 00206R102 697 20,799 SH   SOLE   0 0 20,799
VERIZON COMMUNICATIONS INC COM 92343V104 617 10,808 SH   SOLE   0 0 10,808
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 592 10,324 SH   SOLE   0 0 10,324
AMAZON COM INC COM 023135106 585 309 SH   SOLE   0 0 309
PFIZER INC COM 717081103 584 13,473 SH   SOLE   0 0 13,473
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 583 1,644 SH   SOLE   0 0 1,644
PROCTER AND GAMBLE CO COM 742718109 547 4,985 SH   SOLE   0 0 4,985
STARBUCKS CORP COM 855244109 508 6,057 SH   SOLE   0 0 6,057
INTEL CORP COM 458140100 489 10,220 SH   SOLE   0 0 10,220
ADOBE INC COM 00724F101 479 1,626 SH   SOLE   0 0 1,626
VANGUARD INDEX FDS LARGE CAP ETF 922908637 456 3,383 PRN   SOLE   0 0 3,383
EXXON MOBIL CORP COM 30231G102 433 5,651 SH   SOLE   0 0 5,651
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 407 2,202 SH   SOLE   0 0 2,202
JPMORGAN CHASE & CO COM 46625H100 396 3,541 SH   SOLE   0 0 3,541
ALPHABET INC CAP STK CL A 02079K305 381 352 SH   SOLE   0 0 352
ZOETIS INC CL A 98978V103 371 3,272 SH   SOLE   0 0 3,272
CHEVRON CORP NEW COM 166764100 368 2,955 SH   SOLE   0 0 2,955
BOOKING HLDGS INC COM 09857L108 364 194 SH   SOLE   0 0 194
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 359 1,683 SH   SOLE   0 0 1,683
VANECK VECTORS ETF TR RUSSIA ETF 92189F403 354 15,000 SH   SOLE   0 0 15,000
ORACLE CORP COM 68389X105 351 6,165 SH   SOLE   0 0 6,165
ENTERPRISE PRODS PARTNERS L COM 293792107 346 11,975 SH   SOLE   0 0 11,975
AUTOMATIC DATA PROCESSING IN COM 053015103 344 2,083 SH   SOLE   0 0 2,083
CISCO SYS INC COM 17275R102 334 6,097 SH   SOLE   0 0 6,097
TARGET CORP COM 87612E106 332 3,832 SH   SOLE   0 0 3,832
GENERAL MTRS CO COM 37045V100 331 8,579 SH   SOLE   0 0 8,579
NIKE INC CL B 654106103 331 3,946 SH   SOLE   0 0 3,946
PAYPAL HLDGS INC COM 70450Y103 325 2,842 SH   SOLE   0 0 2,842
BERKSHIRE HATHAWAY INC DEL CL A 084670108 318 1 SH   SOLE   0 0 1
JOHNSON & JOHNSON COM 478160104 300 2,151 SH   SOLE   0 0 2,151
BCE INC COM NEW 05534B760 297 6,530 SH   SOLE   0 0 6,530
DOLLAR GEN CORP NEW COM 256677105 297 2,201 SH   SOLE   0 0 2,201
QUALCOMM INC COM 747525103 294 3,871 SH   SOLE   0 0 3,871
ABBVIE INC COM 00287Y109 293 4,036 SH   SOLE   0 0 4,036
SANOFI SPONSORED ADR 80105N105 284 6,560 SH   SOLE   0 0 6,560
CINEMARK HOLDINGS INC COM 17243V102 275 7,610 SH   SOLE   0 0 7,610
SPDR SERIES TRUST BLOOMBERG BRCLYS 78468R622 274 2,516 SH   SOLE   0 0 2,516
O REILLY AUTOMOTIVE INC NEW COM 67103H107 271 734 SH   SOLE   0 0 734
EATON VANCE MUN BD FD COM 27827X101 263 21,160 SH   SOLE   0 0 21,160
OLD REP INTL CORP COM 680223104 259 11,571 SH   SOLE   0 0 11,571
AON PLC SHS CL A G0408V102 253 1,313 SH   SOLE   0 0 1,313
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 249 2,103 SH   SOLE   0 0 2,103
ISHARES TR ESG MSCI USA ETF 46435G425 245 3,794 SH   SOLE   0 0 3,794
WILLIAMS COS INC DEL COM 969457100 245 8,737 SH   SOLE   0 0 8,737
INTERPUBLIC GROUP COS INC COM 460690100 242 10,714 SH   SOLE   0 0 10,714
EATON CORP PLC SHS G29183103 242 2,909 SH   SOLE   0 0 2,909
GARTNER INC COM 366651107 239 1,485 SH   SOLE   0 0 1,485
EXTENDED STAY AMER INC UNIT 99/99/9999B 30224P200 233 13,810 SH   SOLE   0 0 13,810
ALIGN TECHNOLOGY INC COM 016255101 219 801 SH   SOLE   0 0 801
ROYAL DUTCH SHELL PLC SPON ADR B 780259107 218 3,316 SH   SOLE   0 0 3,316
ISHARES TR MSCI ACWI EX US 464288240 215 4,592 SH   SOLE   0 0 4,592
ISHARES TR RUSSELL 2000 ETF 464287655 214 1,377 SH   SOLE   0 0 1,377
FIRST AMERN FINL CORP COM 31847R102 200 3,735 SH   SOLE   0 0 3,735
FNB CORP PA COM 302520101 194 16,450 SH   SOLE   0 0 16,450
NUVEEN PFD & INCM SECURTIES COM 67072C105 107 11,235 SH   SOLE   0 0 11,235