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 484 3,548 SH   SOLE   3,548 0 0
ABBOTT LABS COM 002824100 5,771 73,141 SH   SOLE   73,141 0 0
ABBVIE INC COM 00287Y109 750 9,849 SH   SOLE   9,849 0 0
AFLAC INC COM 001055102 1,944 56,777 SH   SOLE   56,777 0 0
AGILENT TECHNOLOGIES INC COM 00846U101 1,526 21,312 SH   SOLE   21,312 0 0
AIR PRODS & CHEMS INC COM 009158106 2,656 13,287 SH   SOLE   13,287 0 0
ALIBABA GROUP HLDG LTD SPONSORED ADS 01609W102 4,142 21,301 SH   SOLE   21,301 0 0
ALLIANT ENERGY CORP COM 018802108 5,447 112,800 SH   SOLE   112,800 0 0
ALLSTATE CORP COM 020002101 1,450 15,779 SH   SOLE   15,779 0 0
ALPHABET INC CAP STK CL C 02079K107 8,957 7,703 SH   SOLE   7,703 0 0
ALPHABET INC CAP STK CL A 02079K305 8,199 7,057 SH   SOLE   7,057 0 0
ALTRIA GROUP INC COM 02209S103 5,012 129,026 SH   SOLE   129,026 0 0
AMAZON COM INC COM 023135106 20,224 10,373 SH   SOLE   10,373 0 0
AMERICAN EXPRESS CO COM 025816109 2,325 27,164 SH   SOLE   27,164 0 0
AMERICAN FINL GROUP INC OHIO COM 025932104 569 8,122 SH   SOLE   8,122 0 0
AMERICAN TOWER CORP NEW COM 03027X100 2,915 13,387 SH   SOLE   13,387 0 0
AMERIPRISE FINL INC COM 03076C106 1,039 10,139 SH   SOLE   10,139 0 0
AMGEN INC COM 031162100 5,410 26,687 SH   SOLE   26,687 0 0
ANTHEM INC COM 036752103 3,668 16,156 SH   SOLE   16,156 0 0
APPLE INC COM 037833100 30,519 120,018 SH   SOLE   120,018 0 0
APTARGROUP INC COM 038336103 882 8,865 SH   SOLE   8,865 0 0
ARCHER DANIELS MIDLAND CO COM 039483102 3,059 86,964 SH   SOLE   86,964 0 0
AT&T INC COM 00206R102 3,427 117,593 SH   SOLE   117,593 0 0
ATMOS ENERGY CORP COM 049560105 2,995 30,192 SH   SOLE   30,192 0 0
AUTOHOME INC SP ADR RP CL A 05278C107 3,310 46,620 SH   SOLE   46,620 0 0
AVALONBAY CMNTYS INC COM 053484101 1,574 10,660 SH   SOLE   10,660 0 0
BALL CORP COM 058498106 3,576 55,317 SH   SOLE   55,317 0 0
BANK NEW YORK MELLON CORP COM 064058100 1,679 49,863 SH   SOLE   49,863 0 0
BECTON DICKINSON & CO COM 075887109 5,245 22,831 SH   SOLE   22,831 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 3,516 19,231 SH   SOLE   19,231 0 0
BIOGEN INC COM 09062X103 2,444 7,725 SH   SOLE   7,725 0 0
BK OF AMERICA CORP COM 060505104 2,033 95,783 SH   SOLE   95,783 0 0
BLACKROCK INC COM 09247X101 2,380 5,411 SH   SOLE   5,411 0 0
BOOKING HLDGS INC COM 09857L108 1,399 1,040 SH   SOLE   1,040 0 0
BOSTON SCIENTIFIC CORP COM 101137107 528 16,190 SH   SOLE   16,190 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108 3,118 55,948 SH   SOLE   55,948 0 0
BROWN FORMAN CORP CL B 115637209 3,541 63,753 SH   SOLE   63,753 0 0
CARDINAL HEALTH INC COM 14149Y108 3,228 67,215 SH   SOLE   67,215 0 0
CENTENE CORP DEL COM 15135B101 2,578 43,408 SH   SOLE   43,408 0 0
CERNER CORP COM 156782104 3,671 58,281 SH   SOLE   58,281 0 0
CHURCH & DWIGHT INC COM 171340102 6,068 94,554 SH   SOLE   94,554 0 0
CIGNA CORP NEW COM 125523100 6,529 36,848 SH   SOLE   36,848 0 0
CISCO SYS INC COM 17275R102 2,914 74,145 SH   SOLE   74,145 0 0
CLOROX CO DEL COM 189054109 7,073 40,831 SH   SOLE   40,831 0 0
CME GROUP INC COM 12572Q105 1,795 10,382 SH   SOLE   10,382 0 0
CMS ENERGY CORP COM 125896100 4,826 82,160 SH   SOLE   82,160 0 0
COCA COLA CO COM 191216100 6,152 138,743 SH   SOLE   138,743 0 0
COLGATE PALMOLIVE CO COM 194162103 6,538 98,532 SH   SOLE   98,532 0 0
COMCAST CORP NEW CL A 20030N101 2,092 60,755 SH   SOLE   60,755 0 0
COOPER COS INC COM NEW 216648402 4,751 17,238 SH   SOLE   17,238 0 0
COSTCO WHSL CORP NEW COM 22160K105 9,639 33,809 SH   SOLE   33,809 0 0
CSX CORP COM 126408103 584 10,209 SH   SOLE   10,209 0 0
CVS HEALTH CORP COM 126650100 6,301 106,207 SH   SOLE   106,207 0 0
DANAHER CORPORATION COM 235851102 9,022 65,169 SH   SOLE   65,169 0 0
DAVITA INC COM 23918K108 818 10,761 SH   SOLE   10,761 0 0
DENTSPLY SIRONA INC COM 24906P109 2,270 58,426 SH   SOLE   58,426 0 0
DIGITAL RLTY TR INC COM 253868103 2,708 19,501 SH   SOLE   19,501 0 0
DISNEY WALT CO COM DISNEY 254687106 2,547 26,369 SH   SOLE   26,369 0 0
DOLLAR GEN CORP NEW COM 256677105 989 6,550 SH   SOLE   6,550 0 0
DTE ENERGY CO COM 233331107 4,199 44,134 SH   SOLE   44,134 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204 1,565 19,353 SH   SOLE   19,353 0 0
EASTMAN CHEM CO COM 277432100 347 7,451 SH   SOLE   7,451 0 0
ECOLAB INC COM 278865100 3,758 24,090 SH   SOLE   24,090 0 0
EDWARDS LIFESCIENCES CORP COM 28176E108 3,622 19,203 SH   SOLE   19,203 0 0
EQUITY LIFESTYLE PPTYS INC COM 29472R108 4,364 75,805 SH   SOLE   75,805 0 0
ESSEX PPTY TR INC COM 297178105 4,432 20,081 SH   SOLE   20,081 0 0
EVERSOURCE ENERGY COM 30040W108 6,392 81,737 SH   SOLE   81,737 0 0
EXTRA SPACE STORAGE INC COM 30225T102 3,778 39,458 SH   SOLE   39,458 0 0
FACEBOOK INC CL A 30303M102 9,812 58,829 SH   SOLE   58,829 0 0
FEDERAL REALTY INVT TR SH BEN INT NEW 313747206 3,227 43,114 SH   SOLE   43,114 0 0
FIRST TR EXCHANGE-TRADED FD FST LOW OPPT EFT 33739Q200 241,032 4,726,123 SH   SOLE   3,281,142 0 1,441,677
GENERAL MLS INC COM 370334104 5,186 98,290 SH   SOLE   98,290 0 0
GILEAD SCIENCES INC COM 375558103 2,921 39,078 SH   SOLE   39,078 0 0
GRANITESHARES GOLD TR SHS BEN INT 38748G101 91,646 5,837,381 SH   SOLE   4,091,990 0 1,735,791
HAWAIIAN ELEC INDUSTRIES COM 419870100 2,958 68,722 SH   SOLE   68,722 0 0
HENRY SCHEIN INC COM 806407102 2,322 45,977 SH   SOLE   45,977 0 0
HERSHEY CO COM 427866108 6,148 46,406 SH   SOLE   46,406 0 0
HOME DEPOT INC COM 437076102 5,674 30,390 SH   SOLE   30,390 0 0
HORMEL FOODS CORP COM 440452100 6,041 129,538 SH   SOLE   129,538 0 0
HUMANA INC COM 444859102 3,617 11,511 SH   SOLE   11,511 0 0
IDACORP INC COM 451107106 4,986 56,797 SH   SOLE   56,797 0 0
IDEXX LABS INC COM 45168D104 4,073 16,815 SH   SOLE   16,815 0 0
ILLUMINA INC COM 452327109 2,922 10,701 SH   SOLE   10,701 0 0
INTEL CORP COM 458140100 4,186 77,358 SH   SOLE   77,358 0 0
INTERCONTINENTAL EXCHANGE IN COM 45866F104 679 8,415 SH   SOLE   8,415 0 0
INTUITIVE SURGICAL INC COM NEW 46120E602 4,033 8,145 SH   SOLE   8,145 0 0
INVESCO EXCHANGE-TRADED FD T S&P500 LOW VOL 46138E354 6 128 SH   SOLE   0 0 128
INVESCO EXCHANGE-TRADED FD T NATL AMT MUNI 46138E537 5,402 209,394 SH   SOLE   30,699 0 178,695
ISHARES GOLD TRUST ISHARES 464285105 33,394 2,215,930 SH   SOLE   382,306 0 1,833,624
ISHARES TR GLB CNSM STP ETF 464288737 60,521 1,265,883 SH   SOLE   354,684 0 911,199
ISHARES TR INTL QLTY FACTOR 46434V456 125,219 4,844,093 SH   SOLE   2,467,300 0 2,371,997
ISHARES TR USA QUALITY FCTR 46432F339 196,078 2,419,530 SH   SOLE   1,200,973 0 1,216,563
ISHARES TR MSCI CHINA ETF 46429B671 239,428 4,182,161 SH   SOLE   3,223,960 0 956,688
ISHARES TR 1 3 YR TREAS BD 464287457 292,381 3,373,501 SH   SOLE   1,829,619 0 1,540,054
ISHARES TR SHORT TREAS BD 464288679 396 3,575 SH   SOLE   3,575 0 0
ISHARES TR SH TR CRPORT ETF 464288646 7,699 147,045 SH   SOLE   21,021 0 126,024
ISHARES TR MBS ETF 464288588 6 56 SH   SOLE   0 0 56
ISHARES TR GLOB HLTHCRE ETF 464287325 48,247 791,728 SH   SOLE   508,383 0 282,169
ISHARES TR CORE US AGGBD ET 464287226 16 144 SH   SOLE   0 0 0
ISHARES TR 20 YR TR BD ETF 464287432 5 36 SH   SOLE   0 0 36
JOHNSON & JOHNSON COM 478160104 9,309 70,993 SH   SOLE   70,993 0 0
JPMORGAN CHASE & CO COM 46625H100 8,301 92,213 SH   SOLE   92,213 0 0
KELLOGG CO COM 487836108 3,314 55,255 SH   SOLE   55,255 0 0
KIMBERLY CLARK CORP COM 494368103 5,965 46,550 SH   SOLE   46,550 0 0
KRANESHARES TR CSI CHI INTERNET 500767306 21,531 475,632 SH   SOLE   327,485 0 147,634
KROGER CO COM 501044101 3,188 105,876 SH   SOLE   105,876 0 0
LABORATORY CORP AMER HLDGS COM NEW 50540R409 2,132 16,874 SH   SOLE   16,874 0 0
LAUDER ESTEE COS INC CL A 518439104 5,150 32,327 SH   SOLE   32,327 0 0
LILLY ELI & CO COM 532457108 4,798 34,593 SH   SOLE   34,593 0 0
LOWES COS INC COM 548661107 704 8,188 SH   SOLE   8,188 0 0
M & T BK CORP COM 55261F104 358 3,463 SH   SOLE   3,463 0 0
MARRIOTT INTL INC NEW CL A 571903202 384 5,136 SH   SOLE   5,136 0 0
MARSH & MCLENNAN COS INC COM 571748102 3,275 37,881 SH   SOLE   37,881 0 0
MASTERCARD INC CL A 57636Q104 1,810 7,495 SH   SOLE   7,495 0 0
MCCORMICK & CO INC COM NON VTG 579780206 5,698 40,355 SH   SOLE   40,355 0 0
MCDONALDS CORP COM 580135101 3,748 22,668 SH   SOLE   22,668 0 0
MCKESSON CORP COM 58155Q103 4,040 29,847 SH   SOLE   29,847 0 0
MERCK & CO. INC COM 58933Y105 4,051 52,515 SH   SOLE   52,515 0 0
METTLER TOLEDO INTERNATIONAL COM 592688105 4,340 6,286 SH   SOLE   6,286 0 0
MICROSOFT CORP COM 594918104 31,238 198,078 SH   SOLE   198,078 0 0
MID AMER APT CMNTYS INC COM 59522J103 1,061 10,298 SH   SOLE   10,298 0 0
MONSTER BEVERAGE CORP NEW COM 61174X109 1,611 28,649 SH   SOLE   28,649 0 0
MOODYS CORP COM 615369105 2,293 10,843 SH   SOLE   10,843 0 0
MORGAN STANLEY COM NEW 617446448 624 18,369 SH   SOLE   18,369 0 0
NATIONAL RETAIL PROPERTIES I COM 637417106 2,878 89,428 SH   SOLE   89,428 0 0
NEXTERA ENERGY INC COM 65339F101 9,676 40,215 SH   SOLE   40,215 0 0
NIKE INC CL B 654106103 2,601 31,404 SH   SOLE   31,404 0 0
NORTHERN TR CORP COM 665859104 476 6,315 SH   SOLE   6,315 0 0
NORTHROP GRUMMAN CORP COM 666807102 1,193 3,944 SH   SOLE   3,944 0 0
NORTHWESTERN CORP COM NEW 668074305 4,725 78,984 SH   SOLE   78,984 0 0
OGE ENERGY CORP COM 670837103 2,987 97,205 SH   SOLE   97,205 0 0
PEOPLES UTD FINL INC COM 712704105 345 31,241 SH   SOLE   31,241 0 0
PEPSICO INC COM 713448108 9,963 82,964 SH   SOLE   82,964 0 0
PERKINELMER INC COM 714046109 3,063 40,693 SH   SOLE   40,693 0 0
PFIZER INC COM 717081103 9,249 283,386 SH   SOLE   283,386 0 0
PHILIP MORRIS INTL INC COM 718172109 2,992 40,834 SH   SOLE   40,834 0 0
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 10,783 108,947 SH   SOLE   108,947 0 0
PINNACLE WEST CAP CORP COM 723484101 2,447 32,287 SH   SOLE   32,287 0 0
PNC FINL SVCS GROUP INC COM 693475105 1,032 10,783 SH   SOLE   10,783 0 0
PORTLAND GEN ELEC CO COM NEW 736508847 3,132 65,199 SH   SOLE   65,199 0 0
PROCTER & GAMBLE CO COM 742718109 12,172 110,661 SH   SOLE   110,661 0 0
PROGRESSIVE CORP OHIO COM 743315103 3,094 41,909 SH   SOLE   41,909 0 0
PUBLIC STORAGE COM 74460D109 1,662 8,371 SH   SOLE   8,371 0 0
QUEST DIAGNOSTICS INC COM 74834L100 2,053 25,574 SH   SOLE   25,574 0 0
REALTY INCOME CORP COM 756109104 953 19,122 SH   SOLE   19,122 0 0
RESMED INC COM 761152107 4,367 29,652 SH   SOLE   29,652 0 0
S&P GLOBAL INC COM 78409V104 912 3,722 SH   SOLE   3,722 0 0
SCHWAB CHARLES CORP COM 808513105 818 24,350 SH   SOLE   24,350 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 4,261 69,580 SH   SOLE   10,070 0 59,510
SCHWAB STRATEGIC TR US TIPS ETF 808524870 409,302 7,117,065 SH   SOLE   5,099,558 0 2,011,929
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886 50,340 908,505 SH   SOLE   456,507 0 451,164
SELECT SECTOR SPDR TR RL EST SEL SEC 81369Y860 33,269 1,073,199 SH   SOLE   530,164 0 542,101
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 7 95 SH   SOLE   0 0 95
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852 3 68 SH   SOLE   0 0 68
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 3,185 32,482 SH   SOLE   0 0 32,482
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704 3,499 59,299 SH   SOLE   0 0 59,299
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308 79,033 1,450,953 SH   SOLE   911,425 0 537,422
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 111,669 1,260,659 SH   SOLE   495,381 0 764,665
SELECT SECTOR SPDR TR SBI INT-FINL 81369Y605 1,409 67,691 SH   SOLE   0 0 67,691
SHERWIN WILLIAMS CO COM 824348106 3,336 7,260 SH   SOLE   7,260 0 0
SMUCKER J M CO COM NEW 832696405 3,974 35,807 SH   SOLE   35,807 0 0
SONOCO PRODS CO COM 835495102 1,740 37,545 SH   SOLE   37,545 0 0
SOUTHERN CO COM 842587107 1,664 30,738 SH   SOLE   30,738 0 0
SOUTHWEST GAS HOLDINGS INC COM 844895102 1,903 27,363 SH   SOLE   27,363 0 0
SPDR GOLD TRUST GOLD SHS 78463V107 1 10 SH   SOLE   0 0 10
SPIRE INC COM 84857L101 2,671 35,784 SH   SOLE   35,784 0 0
STARBUCKS CORP COM 855244109 2,096 31,887 SH   SOLE   31,887 0 0
STRYKER CORP COM 863667101 5,257 31,546 SH   SOLE   31,546 0 0
TAL EDUCATION GROUP SPONSORED ADS 874080104 5,050 94,830 SH   SOLE   94,830 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102 9,337 32,919 SH   SOLE   32,919 0 0
TJX COS INC NEW COM 872540109 1,750 36,614 SH   SOLE   36,614 0 0
TRAVELERS COMPANIES INC COM 89417E109 1,826 18,389 SH   SOLE   18,389 0 0
TYSON FOODS INC CL A 902494103 2,558 44,212 SH   SOLE   44,212 0 0
UNION PAC CORP COM 907818108 788 5,591 SH   SOLE   5,591 0 0
UNITED TECHNOLOGIES CORP COM 913017109 499 5,292 SH   SOLE   5,292 0 0
UNITEDHEALTH GROUP INC COM 91324P102 12,339 49,479 SH   SOLE   49,479 0 0
UNITIL CORP COM 913259107 646 12,353 SH   SOLE   12,353 0 0
UNIVERSAL HLTH SVCS INC CL B 913903100 4,220 42,598 SH   SOLE   42,598 0 0
US BANCORP DEL COM NEW 902973304 1,787 51,899 SH   SOLE   51,899 0 0
V F CORP COM 918204108 455 8,424 SH   SOLE   8,424 0 0
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 2,295 27,927 SH   SOLE   27,771 0 156
VANGUARD INDEX FDS SM CP VAL ETF 922908611 2 27 SH   SOLE   0 0 27
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 1,400 22,300 SH   SOLE   0 0 21,124
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 1 39 SH   SOLE   0 0 39
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 86,216 1,992,065 SH   SOLE   920,020 0 1,070,559
VARIAN MED SYS INC COM 92220P105 492 4,798 SH   SOLE   4,798 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 3,004 55,922 SH   SOLE   55,922 0 0
VERTEX PHARMACEUTICALS INC COM 92532F100 800 3,364 SH   SOLE   3,364 0 0
VISA INC COM CL A 92826C839 5,610 34,824 SH   SOLE   34,824 0 0
WALGREENS BOOTS ALLIANCE INC COM 931427108 2,453 53,633 SH   SOLE   53,633 0 0
WALMART INC COM 931142103 7,141 62,765 SH   SOLE   62,765 0 0
WEC ENERGY GROUP INC COM 92939U106 6,754 76,638 SH   SOLE   76,638 0 0
WELLTOWER INC COM 95040Q104 3,179 69,461 SH   SOLE   69,461 0 0
WEST PHARMACEUTICAL SVSC INC COM 955306105 4,961 32,589 SH   SOLE   32,589 0 0
WISDOMTREE TR FLOATNG RAT TREA 97717X628 5,638 224,536 SH   SOLE   32,277 0 192,259
WORLD FUEL SVCS CORP COM 981475106 2,230 88,595 SH   SOLE   88,595 0 0
WP CAREY INC COM 92936U109 1,444 24,729 SH   SOLE   24,729 0 0
XCEL ENERGY INC COM 98389B100 5,494 90,951 SH   SOLE   90,951 0 0
YUM BRANDS INC COM 988498101 493 7,194 SH   SOLE   7,194 0 0
ZIMMER BIOMET HOLDINGS INC COM 98956P102 1,386 13,712 SH   SOLE   13,712 0 0
ZOETIS INC CL A 98978V103 792 6,735 SH   SOLE   6,735 0 0