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
VANGUARD INDEX FDS SMALL CP ETF 922908751 8,926 61,257 SH   SOLE   61,257 0 0
ISHARES TR CORE S&P500 ETF 464287200 3,937 12,714 SH   SOLE   12,714 0 0
SPDR SER TR NUVEEN BLMBRG SR 78468R739 5,814 116,593 SH   SOLE   116,593 0 0
HONEYWELL INTL INC COM 438516106 1,449 10,024 SH   SOLE   10,024 0 0
ALPHABET INC CAP STK CL C 02079K107 2,007 1,420 SH   SOLE   1,420 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 1,295 19,823 SH   SOLE   19,823 0 0
ISHARES TR CORE S&P MCP ETF 464287507 1,552 8,728 SH   SOLE   8,728 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 223 2,525 SH   SOLE   2,525 0 0
EMERSON ELEC CO COM 291011104 3,189 51,407 SH   SOLE   51,407 0 0
ISHARES TR HDG MSCI EAFE 46434V803 546 19,791 SH   SOLE   19,791 0 0
VANGUARD TAX-MANAGED FDS FTSE DEV MKT ETF 921943858 6,930 178,647 SH   SOLE   178,647 0 0
ISHARES TR U.S. TECH ETF 464287721 2,660 9,860 SH   SOLE   9,860 0 0
SPDR SER TR S&P 400 MDCP VAL 78464A839 1,391 32,621 SH   SOLE   32,621 0 0
FACEBOOK INC CL A 30303M102 6,119 26,947 SH   SOLE   26,947 0 0
VANGUARD WORLD FDS CONSUM DIS ETF 92204A108 795 3,973 SH   SOLE   3,973 0 0
VISA INC COM CL A 92826C839 4,836 25,034 SH   SOLE   25,034 0 0
PNC FINL SVCS GROUP INC COM 693475105 1,343 12,769 SH   SOLE   12,769 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL TEC 46137V282 5,251 26,372 SH   SOLE   26,372 0 0
SCOTTS MIRACLE GRO CO CL A 810186106 2,681 19,940 SH   SOLE   19,940 0 0
ALIBABA GROUP HLDG LTD SPONSORED ADS 01609W102 2,798 12,972 SH   SOLE   12,972 0 0
NORDSON CORP COM 655663102 1,416 7,461 SH   SOLE   7,461 0 0
DISCOVER FINL SVCS COM 254709108 1,654 33,022 SH   SOLE   33,022 0 0
FIRST TR EXCHANGE-TRADED FD FST LOW OPPT EFT 33739Q200 11,796 228,246 SH   SOLE   228,246 0 0
MYOS RENS TECHNOLOGY INC COM 62857P108 24 26,744 SH   SOLE   26,744 0 0
INVESCO EXCHANGE TRADED FD T S&P500 PUR VAL 46137V258 2,793 58,514 SH   SOLE   58,514 0 0
VANGUARD SCOTTSDALE FDS VNG RUS1000VAL 92206C714 20,036 202,668 SH   SOLE   202,668 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 520 9,426 SH   SOLE   9,426 0 0
CHEVRON CORP NEW COM 166764100 1,231 13,796 SH   SOLE   13,796 0 0
TRANE TECHNOLOGIES PLC SHS G8994E103 1,575 17,702 SH   SOLE   17,702 0 0
GLOBAL PMTS INC COM 37940X102 2,884 17,000 SH   SOLE   17,000 0 0
ISHARES TR CORE MSCI EAFE 46432F842 8,159 142,734 SH   SOLE   142,734 0 0
MCDONALDS CORP COM 580135101 272 1,476 SH   SOLE   1,476 0 0
ISHARES TR US HLTHCR PR ETF 464288828 1,808 9,365 SH   SOLE   9,365 0 0
SPDR SER TR PORTFOLIO SHORT 78464A474 213 6,794 SH   SOLE   6,794 0 0
TORONTO DOMINION BK ONT COM NEW 891160509 410 9,200 SH   SOLE   9,200 0 0
VALLEY NATL BANCORP COM 919794107 233 29,821 SH   SOLE   29,821 0 0
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 15,034 91,072 SH   SOLE   91,072 0 0
LOWES COS INC COM 548661107 4,637 34,320 SH   SOLE   34,320 0 0
SCHWAB CHARLES CORP COM 808513105 1,536 45,537 SH   SOLE   45,537 0 0
HCA HEALTHCARE INC COM 40412C101 1,667 17,179 SH   SOLE   17,179 0 0
AGNC INVT CORP COM 00123Q104 1,513 117,253 SH   SOLE   117,253 0 0
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 401 14,536 SH   SOLE   14,536 0 0
PHILIP MORRIS INTL INC COM 718172109 1,289 18,405 SH   SOLE   18,405 0 0
PIMCO ETF TR SHTRM MUN BD ACT 72201R874 204 3,988 SH   SOLE   3,988 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 4,794 47,209 SH   SOLE   47,209 0 0
ALPHABET INC CAP STK CL A 02079K305 6,835 4,820 SH   SOLE   4,820 0 0
WYNDHAM HOTELS & RESORTS INC COM 98311A105 988 23,172 SH   SOLE   23,172 0 0
COCA COLA CO COM 191216100 3,697 82,735 SH   SOLE   82,735 0 0
PROCTER AND GAMBLE CO COM 742718109 10,202 85,320 SH   SOLE   85,320 0 0
ORACLE CORP COM 68389X105 214 3,867 SH   SOLE   3,867 0 0
VANECK VECTORS ETF TR BDC INCOME ETF 92189F411 769 63,263 SH   SOLE   63,263 0 0
BECTON DICKINSON & CO COM 075887109 1,726 7,216 SH   SOLE   7,216 0 0
WISDOMTREE TR EUROPE HEDGED EQ 97717X701 8,589 141,481 SH   SOLE   141,481 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 25,406 125,714 SH   SOLE   125,714 0 0
TESLA INC COM 88160R101 1,275 1,181 SH   SOLE   1,181 0 0
AVERY DENNISON CORP COM 053611109 2,280 19,981 SH   SOLE   19,981 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 13,819 167,176 SH   SOLE   167,176 0 0
MICROSOFT CORP COM 594918104 9,799 48,150 SH   SOLE   48,150 0 0
ISHARES TR CUR HD EURZN ETF 46434V639 292 10,383 SH   SOLE   10,383 0 0
ISHARES TR SHRT NAT MUN ETF 464288158 4,781 44,327 SH   SOLE   44,327 0 0
FORTIVE CORP COM 34959J108 1,287 19,015 SH   SOLE   19,015 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 5,325 71,860 SH   SOLE   71,860 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 253 1,616 SH   SOLE   1,616 0 0
CITIGROUP INC COM NEW 172967424 881 17,242 SH   SOLE   17,242 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108 2,788 47,419 SH   SOLE   47,419 0 0
AMERICAN EXPRESS CO COM 025816109 1,733 18,209 SH   SOLE   18,209 0 0
CHECK POINT SOFTWARE TECH LT ORD M22465104 2,916 27,145 SH   SOLE   27,145 0 0
PAYPAL HLDGS INC COM 70450Y103 7,119 40,858 SH   SOLE   40,858 0 0
WHIRLPOOL CORP COM 963320106 354 2,732 SH   SOLE   2,732 0 0
L3HARRIS TECHNOLOGIES INC COM 502431109 1,115 6,569 SH   SOLE   6,569 0 0
LABORATORY CORP AMER HLDGS COM NEW 50540R409 1,727 10,395 SH   SOLE   10,395 0 0
DISNEY WALT CO COM DISNEY 254687106 2,568 23,033 SH   SOLE   23,033 0 0
UNITEDHEALTH GROUP INC COM 91324P102 1,956 6,632 SH   SOLE   6,632 0 0
MASTERCARD INCORPORATED CL A 57636Q104 4,886 16,523 SH   SOLE   16,523 0 0
NIKE INC CL B 654106103 2,167 22,102 SH   SOLE   22,102 0 0
INVESCO EXCH TRADED FD TR II EMRNG MKT SVRG 46138E784 3,448 128,752 SH   SOLE   128,752 0 0
HOME DEPOT INC COM 437076102 4,780 19,083 SH   SOLE   19,083 0 0
AMGEN INC COM 031162100 208 880 SH   SOLE   880 0 0
ISHARES INC CORE MSCI EMKT 46434G103 3,710 77,932 SH   SOLE   77,932 0 0
SPDR SER TR S&P 400 MDCP GRW 78464A821 1,817 33,774 SH   SOLE   33,774 0 0
ISHARES TR SH TR CRPORT ETF 464288646 236 4,306 SH   SOLE   4,306 0 0
GENERAL ELECTRIC CO COM 369604103 142 20,750 SH   SOLE   20,750 0 0
SPDR SER TR PRTFLO S&P500 GW 78464A409 1,653 36,789 SH   SOLE   36,789 0 0
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 480 6,088 SH   SOLE   6,088 0 0
ISHARES TR S&P 500 VAL ETF 464287408 18,805 173,786 SH   SOLE   173,786 0 0
MERCK & CO. INC COM 58933Y105 591 7,648 SH   SOLE   7,648 0 0
ARROW INVTS TR RESV CAP ETF 042765719 753 7,506 SH   SOLE   7,506 0 0
ISHARES TR S&P 500 GRWT ETF 464287309 596 2,875 SH   SOLE   2,875 0 0
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308 938 15,997 SH   SOLE   15,997 0 0
NEW MTN FIN CORP COM 647551100 110 11,874 SH   SOLE   11,874 0 0
OWL ROCK CAPITAL CORPORATION COM 69121K104 168 13,649 SH   SOLE   13,649 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 26,182 262,893 SH   SOLE   262,893 0 0
BLACKROCK TCP CAPITAL CORP COM 09259E108 99 10,861 SH   SOLE   10,861 0 0
UNION PAC CORP COM 907818108 2,297 13,588 SH   SOLE   13,588 0 0
MARATHON PETE CORP COM 56585A102 1,036 27,718 SH   SOLE   27,718 0 0
SPDR SER TR PRTFLO S&P500 VL 78464A508 1,186 40,918 SH   SOLE   40,918 0 0
TJX COS INC NEW COM 872540109 907 17,935 SH   SOLE   17,935 0 0
WISDOMTREE TR JAPN HEDGE EQT 97717W851 3,650 77,617 SH   SOLE   77,617 0 0
PFIZER INC COM 717081103 3,110 95,114 SH   SOLE   95,114 0 0
VANECK VECTORS ETF TR GOLD MINERS ETF 92189F106 257 7,020 SH   SOLE   7,020 0 0
SCHLUMBERGER LTD COM 806857108 811 44,089 SH   SOLE   44,089 0 0
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 747 12,007 SH   SOLE   12,007 0 0
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 1,041 10,406 SH   SOLE   10,406 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 29,850 105,316 SH   SOLE   105,316 0 0
ABBVIE INC COM 00287Y109 6,967 70,962 SH   SOLE   70,962 0 0
GENERAL DYNAMICS CORP COM 369550108 959 6,413 SH   SOLE   6,413 0 0
SHERWIN WILLIAMS CO COM 824348106 2,315 4,007 SH   SOLE   4,007 0 0
ZEBRA TECHNOLOGIES CORPORATI CL A 989207105 3,497 13,665 SH   SOLE   13,665 0 0
MEDTRONIC PLC SHS G5960L103 1,610 17,563 SH   SOLE   17,563 0 0
WISDOMTREE TR ITL HDG QTLY DIV 97717X594 777 22,154 SH   SOLE   22,154 0 0
JAZZ PHARMACEUTICALS PLC SHS USD G50871105 1,220 11,056 SH   SOLE   11,056 0 0
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704 443 6,452 SH   SOLE   6,452 0 0
EXXON MOBIL CORP COM 30231G102 1,406 31,433 SH   SOLE   31,433 0 0
BRISTOL-MYERS SQUIBB CO RIGHT 99/99/9999 110122157 38 10,614 SH   SOLE   10,614 0 0
FIDELITY COVINGTON TR VLU FACTOR ETF 316092782 236 7,022 SH   SOLE   7,022 0 0
VANGUARD WORLD FDS INF TECH ETF 92204A702 981 3,520 SH   SOLE   3,520 0 0
FEDEX CORP COM 31428X106 1,484 10,581 SH   SOLE   10,581 0 0
GOLUB CAP BDC INC COM 38173M102 333 28,545 SH   SOLE   28,545 0 0
ISHARES TR IBOXX INV CP ETF 464287242 4,997 37,152 SH   SOLE   37,152 0 0
FISERV INC COM 337738108 439 4,494 SH   SOLE   4,494 0 0
VANECK VECTORS ETF TR AMT FREE SHORT M 92189F528 4,671 259,366 SH   SOLE   259,366 0 0
LINCOLN ELEC HLDGS INC COM 533900106 1,291 15,322 SH   SOLE   15,322 0 0
VANGUARD WORLD FDS CONSUM STP ETF 92204A207 3,063 20,478 SH   SOLE   20,478 0 0
ISHARES TR RUS MDCP VAL ETF 464287473 2,553 33,359 SH   SOLE   33,359 0 0
AT&T INC COM 00206R102 597 19,744 SH   SOLE   19,744 0 0
COSTCO WHSL CORP NEW COM 22160K105 1,364 4,499 SH   SOLE   4,499 0 0
GOLDMAN SACHS GROUP INC COM 38141G104 1,195 6,045 SH   SOLE   6,045 0 0
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 861 11,510 SH   SOLE   11,510 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611 1,233 11,528 SH   SOLE   11,528 0 0
JPMORGAN CHASE & CO COM 46625H100 1,815 19,295 SH   SOLE   19,295 0 0
VANGUARD WORLD FDS FINANCIALS ETF 92204A405 779 13,616 SH   SOLE   13,616 0 0
3M CO COM 88579Y101 5,183 33,227 SH   SOLE   33,227 0 0
DANAHER CORPORATION COM 235851102 3,062 17,317 SH   SOLE   17,317 0 0
AMERICAN TOWER CORP NEW COM 03027X100 3,554 13,745 SH   SOLE   13,745 0 0
ALPS ETF TR ALERIAN MLP 00162Q452 442 17,891 SH   SOLE   17,891 0 0
CONSTELLATION BRANDS INC CL A 21036P108 1,185 6,776 SH   SOLE   6,776 0 0
VANGUARD WORLD FDS COMM SRVC ETF 92204A884 365 3,925 SH   SOLE   3,925 0 0
J P MORGAN EXCHANGE-TRADED F ULTRA SHRT INC 46641Q837 755 14,889 SH   SOLE   14,889 0 0
SPDR SER TR PORTFOLIO S&P500 78464A854 14,117 389,429 SH   SOLE   389,429 0 0
VODAFONE GROUP PLC NEW SPONSORED ADR 92857W308 173 10,869 SH   SOLE   10,869 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 2,067 11,581 SH   SOLE   11,581 0 0
ISHARES TR EAFE GRWTH ETF 464288885 4,153 49,971 SH   SOLE   49,971 0 0
VANGUARD SCOTTSDALE FDS VNG RUS1000GRW 92206C680 10,946 55,471 SH   SOLE   55,471 0 0
APPLE INC COM 037833100 19,042 52,199 SH   SOLE   52,199 0 0
NEW YORK MTG TR INC COM PAR $.02 649604501 166 63,446 SH   SOLE   63,446 0 0
ISHARES TR CORE S&P SCP ETF 464287804 5,724 83,825 SH   SOLE   83,825 0 0
SPDR SER TR PORTFOLIO S&P400 78464A847 619 19,808 SH   SOLE   19,808 0 0
FIRST TR MID CAP CORE ALPHAD COM SHS 33735B108 471 7,545 SH   SOLE   7,545 0 0
ALTRIA GROUP INC COM 02209S103 355 9,039 SH   SOLE   9,039 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 279 2,312 SH   SOLE   2,312 0 0
VANECK VECTORS ETF TR AMT FREE INT ETF 92189H201 6,502 127,634 SH   SOLE   127,634 0 0
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 19,798 206,873 SH   SOLE   206,873 0 0
ISHARES TR RUS MD CP GR ETF 464287481 394 2,490 SH   SOLE   2,490 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 2,440 46,373 SH   SOLE   46,373 0 0
NORFOLK SOUTHERN CORP COM 655844108 1,270 7,232 SH   SOLE   7,232 0 0
SPDR SER TR S&P BIOTECH 78464A870 3,755 33,542 SH   SOLE   33,542 0 0
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 3,136 14,607 SH   SOLE   14,607 0 0
GLAXOSMITHKLINE PLC SPONSORED ADR 37733W105 798 19,565 SH   SOLE   19,565 0 0
AVALONBAY CMNTYS INC COM 053484101 2,421 15,653 SH   SOLE   15,653 0 0
INVESCO EXCHANGE TRADED FD T S&P500 PUR GWT 46137V266 2,483 19,171 SH   SOLE   19,171 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 1,143 5,954 SH   SOLE   5,954 0 0
PIMCO ETF TR 0-5 HIGH YIELD 72201R783 8,488 93,000 SH   SOLE   93,000 0 0
ANNALY CAPITAL MANAGEMENT IN COM 035710409 1,537 234,223 SH   SOLE   234,223 0 0
ISHARES TR NATIONAL MUN ETF 464288414 6,318 54,753 SH   SOLE   54,753 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103 928 6,230 SH   SOLE   6,230 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 8,214 50,112 SH   SOLE   50,112 0 0
WALGREENS BOOTS ALLIANCE INC COM 931427108 3,654 86,204 SH   SOLE   86,204 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 24,671 80,006 SH   SOLE   80,006 0 0
JOHNSON & JOHNSON COM 478160104 15,885 112,958 SH   SOLE   112,958 0 0
SNAP ON INC COM 833034101 1,347 9,723 SH   SOLE   9,723 0 0
SPDR GOLD TR GOLD SHS 78463V107 386 2,308 SH   SOLE   2,308 0 0
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 3,576 71,358 SH   SOLE   71,358 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 2,144 72,071 SH   SOLE   72,071 0 0
ABBOTT LABS COM 002824100 6,235 68,197 SH   SOLE   68,197 0 0
INVESCO EXCHANGE TRADED FD T DYNMC LRG VALU 46137V738 2,160 64,399 SH   SOLE   64,399 0 0
MANNKIND CORP COM NEW 56400P706 24 13,560 SH   SOLE   13,560 0 0
SELECT SECTOR SPDR TR SBI INT-FINL 81369Y605 625 27,002 SH   SOLE   27,002 0 0
BARINGS BDC INC COM 06759L103 107 13,455 SH   SOLE   13,455 0 0
AMAZON COM INC COM 023135106 6,450 2,338 SH   SOLE   2,338 0 0
DOLLAR GEN CORP NEW COM 256677105 2,633 13,821 SH   SOLE   13,821 0 0
LITTELFUSE INC COM 537008104 741 4,341 SH   SOLE   4,341 0 0
CITY HLDG CO COM 177835105 521 8,000 SH   SOLE   8,000 0 0