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
Expires: July 31, 2015
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
ABRDN ETFS BRG ALL COMD K1 003261104 2,752,704 127,795 SH SOLE 0 0 0 127,795
ALPHABET INC AP STK CL A 02079K305 321,727 1,323 SH SOLE 0 0 0 1,323
ALTRIA GROUP INC OM 02209S103 1,086,489 16,447 SH SOLE 0 0 0 16,447
AMAZON COM INC OM 023135106 991,798 4,517 SH SOLE 0 0 0 4,517
APPLE INC OM 037833100 1,056,744 4,150 SH SOLE 0 0 0 4,150
BERKSHIRE HATHAWAY INC DEL L B NEW 084670702 273,993 545 SH SOLE 0 0 0 545
CISCO SYS INC OM 17275R102 1,435,452 20,980 SH SOLE 0 0 0 20,980
COCA COLA CO OM 191216100 388,967 5,865 SH SOLE 0 0 0 5,865
DBX ETF TR TRACK INTL REAL 233051846 1,057,795 44,917 SH SOLE 0 0 0 44,917
EXXON MOBIL CORP OM 30231G102 1,303,165 11,558 SH SOLE 0 0 0 11,558
FIDELITY COVINGTON TRUST SCI RL EST ETF 316092857 5,533,872 198,989 SH SOLE 0 0 0 198,989
FRANKLIN TEMPLETON ETF TR ENIOR LOAN ETF 35473P595 2,940,358 122,413 SH SOLE 0 0 0 122,413
FRANKLIN TEMPLETON ETF TR RANKLIN DYN MUN 35473P868 3,115,769 125,788 SH SOLE 0 0 0 125,788
GOLDMAN SACHS GROUP INC OM 38141G104 220,589 277 SH SOLE 0 0 0 277
GRANITESHARES ETF TR BG COMMD K 1 38747R108 4,869,146 223,355 SH SOLE 0 0 0 223,355
GRANITESHARES GOLD TR HS BEN INT 38748G101 1,356,116 35,631 SH SOLE 0 0 0 35,631
INVESCO EXCH TRADED FD TR II &P INTL QULTY 46138E214 714,457 21,232 SH SOLE 0 0 0 21,232
INVESCO EXCH TRADED FD TR II Y AMT FRE MUN 46138E529 1,806,169 81,209 SH SOLE 0 0 0 81,209
INVESCO EXCH TRADED FD TR II &P500 LOW VOL 46138E354 6,546,811 89,097 SH SOLE 0 0 0 89,097
ISHARES INC P MRG EM CRP BD 464286251 704,855 15,250 SH SOLE 0 0 0 15,250
ISHARES TR ELECT DIVID ETF 464287168 362,781 2,553 SH SOLE 0 0 0 2,553
ISHARES TR US MD CP GR ETF 464287481 376,532 2,644 SH SOLE 0 0 0 2,644
ISHARES TR ORNINGSTAR VALU 464288109 288,064 3,200 SH SOLE 0 0 0 3,200
ISHARES TR US 1000 GRW ETF 464287614 1,555,590 3,321 SH SOLE 0 0 0 3,321
ISHARES TR US MID CAP ETF 464287499 347,773 3,602 SH SOLE 0 0 0 3,602
ISHARES TR &P MC 400VL ETF 464287705 633,163 4,881 SH SOLE 0 0 0 4,881
ISHARES TR &P MC 400GR ETF 464287606 518,381 5,406 SH SOLE 0 0 0 5,406
ISHARES TR PMORGAN USD EMG 464288281 695,405 7,305 SH SOLE 0 0 0 7,305
ISHARES TR BOXX INV CP ETF 464287242 1,203,296 10,795 SH SOLE 0 0 0 10,795
ISHARES TR L CLEAN ENE ETF 464288224 228,082 14,734 SH SOLE 0 0 0 14,734
ISHARES TR &P SML 600 GWT 464287887 2,247,232 15,882 SH SOLE 0 0 0 15,882
ISHARES TR SG AWRE USD ETF 46435G193 380,541 16,152 SH SOLE 0 0 0 16,152
ISHARES TR ORE INTL AGGR 46435G672 886,510 17,305 SH SOLE 0 0 0 17,305
ISHARES TR AFE GRWTH ETF 464288885 3,122,629 27,420 SH SOLE 0 0 0 27,420
ISHARES TR AFE SML CP ETF 464288273 2,394,892 31,216 SH SOLE 0 0 0 31,216
ISHARES TR ORE HIGH DV ETF 46429B663 3,999,584 32,663 SH SOLE 0 0 0 32,663
ISHARES TR AFE VALUE ETF 464288877 2,236,440 32,971 SH SOLE 0 0 0 32,971
ISHARES TR ORNINGSTAR GRWT 464287119 5,226,056 50,106 SH SOLE 0 0 0 50,106
MICROSOFT CORP OM 594918104 508,627 982 SH SOLE 0 0 0 982
MONDELEZ INTL INC L A 609207105 535,930 8,579 SH SOLE 0 0 0 8,579
NUSHARES ETF TR UVEEN ESG LRGCP 67092P201 328,086 3,299 SH SOLE 0 0 0 3,299
NUSHARES ETF TR UVEEN ESG LRGVL 67092P300 359,513 8,203 SH SOLE 0 0 0 8,203
NVIDIA CORPORATION OM 67066G104 241,061 1,292 SH SOLE 0 0 0 1,292
PACER FDS TR S SMALL CAP CAS 69374H857 1,973,340 45,074 SH SOLE 0 0 0 45,074
PACER FDS TR EVELOPED MRKT 69374H873 3,581,688 98,344 SH SOLE 0 0 0 98,344
PACER FDS TR S CASH COWS 100 69374H881 6,245,731 108,678 SH SOLE 0 0 0 108,678
PHILIP MORRIS INTL INC OM 718172109 1,240,343 7,647 SH SOLE 0 0 0 7,647
SCHWAB STRATEGIC TR S MID-CAP ETF 808524508 238,246 8,038 SH SOLE 0 0 0 8,038
SCHWAB STRATEGIC TR S LCAP GR ETF 808524300 366,582 11,488 SH SOLE 0 0 0 11,488
SCHWAB STRATEGIC TR NTL SCEQT ETF 808524888 1,698,137 37,314 SH SOLE 0 0 0 37,314
SCHWAB STRATEGIC TR UNDAMENTAL INTL 808524755 3,368,536 78,411 SH SOLE 0 0 0 78,411
SCHWAB STRATEGIC TR S LCAP VA ETF 808524409 3,968,945 136,343 SH SOLE 0 0 0 136,343
SELECT SECTOR SPDR TR BI MATERIALS 81369Y100 1,442,837 16,100 SH SOLE 0 0 0 16,100
SPDR INDEX SHS FDS SCI EAFE FS ETF 78470E106 336,965 6,833 SH SOLE 0 0 0 6,833
SPDR INDEX SHS FDS ORTFOLIO EMG MK 78463X509 1,347,473 28,786 SH SOLE 0 0 0 28,786
SPDR SERIES TRUST ORTFOLIO S&P600 78468R853 277,086 5,982 SH SOLE 0 0 0 5,982
SPDR SERIES TRUST &P 600 SMCP VAL 78464A300 1,066,371 12,029 SH SOLE 0 0 0 12,029
SPDR SERIES TRUST &P 400 MDCP VAL 78464A839 1,153,528 13,830 SH SOLE 0 0 0 13,830
SPDR SERIES TRUST UVEEN ICE HIGH 78464A284 354,031 14,201 SH SOLE 0 0 0 14,201
SPDR SERIES TRUST &P 400 MDCP GRW 78464A821 1,619,513 17,688 SH SOLE 0 0 0 17,688
SPDR SERIES TRUST &P 600 SMCP GRW 78464A201 2,040,845 21,640 SH SOLE 0 0 0 21,640
SPDR SERIES TRUST RTFLO S&P500 GW 78464A409 6,472,184 61,929 SH SOLE 0 0 0 61,929
SPDR SERIES TRUST RTFLO S&P500 VL 78464A508 8,192,968 148,075 SH SOLE 0 0 0 148,075
TESLA INC OM 88160R101 720,446 1,620 SH SOLE 0 0 0 1,620
VANECK ETF TRUST OLD MINERS ETF 92189F106 571,778 7,484 SH SOLE 0 0 0 7,484
VANECK ETF TRUST REEN BOND ETF 92189F171 310,310 12,702 SH SOLE 0 0 0 12,702
VANGUARD ADMIRAL FDS INC IDCP 400 GRTH 921932869 486,753 4,074 SH SOLE 0 0 0 4,074
VANGUARD ADMIRAL FDS INC IDCP 400 VAL 921932844 1,315,056 13,050 SH SOLE 0 0 0 13,050
VANGUARD ADMIRAL FDS INC MLCP 600 VAL 921932778 2,038,470 21,408 SH SOLE 0 0 0 21,408
VANGUARD BD INDEX FDS HORT TRM BOND 921937827 2,304,362 29,202 SH SOLE 0 0 0 29,202
VANGUARD BD INDEX FDS OTAL BND MRKT 921937835 3,868,472 52,017 SH SOLE 0 0 0 52,017
VANGUARD CHARLOTTE FDS OTAL INT BD ETF 92203J407 11,153,993 225,515 SH SOLE 0 0 0 225,515
VANGUARD INDEX FDS ID CAP ETF 922908629 322,393 1,098 SH SOLE 0 0 0 1,098
VANGUARD INDEX FDS ROWTH ETF 922908736 677,859 1,413 SH SOLE 0 0 0 1,413
VANGUARD INDEX FDS MALL CP ETF 922908751 468,638 1,843 SH SOLE 0 0 0 1,843
VANGUARD INDEX FDS ML CP GRW ETF 922908595 3,298,225 11,082 SH SOLE 0 0 0 11,082
VANGUARD INDEX FDS CAP GR IDXVIP 922908538 3,570,210 12,152 SH SOLE 0 0 0 12,152
VANGUARD INDEX FDS M CP VAL ETF 922908611 3,110,110 14,902 SH SOLE 0 0 0 14,902
VANGUARD INDEX FDS EAL ESTATE ETF 922908553 1,428,986 15,631 SH SOLE 0 0 0 15,631
VANGUARD INDEX FDS CAP VL IDXVIP 922908512 3,113,368 17,833 SH SOLE 0 0 0 17,833
VANGUARD INTL EQUITY INDEX F LLWRLD EX US 922042775 311,710 4,368 SH SOLE 0 0 0 4,368
VANGUARD INTL EQUITY INDEX F LB EX US ETF 922042676 459,593 9,627 SH SOLE 0 0 0 9,627
VANGUARD INTL EQUITY INDEX F TSE EMR MKT ETF 922042858 724,209 13,367 SH SOLE 0 0 0 13,367
VANGUARD MUN BD FDS AX EXEMPT BD 922907746 5,746,409 114,768 SH SOLE 0 0 0 114,768
VANGUARD NY TAX FREE FDS AX EXEMPT BD 92204H400 357,099 3,469 SH SOLE 0 0 0 3,469
VANGUARD SCOTTSDALE FDS NG RUS2000GRW 92206C623 827,804 3,541 SH SOLE 0 0 0 3,541
VANGUARD SCOTTSDALE FDS NG RUS1000GRW 92206C680 9,718,321 80,650 SH SOLE 0 0 0 80,650
VANGUARD WHITEHALL FDS NTL DVD ETF 921946810 4,084,746 45,604 SH SOLE 0 0 0 45,604
VANGUARD WHITEHALL FDS M MK GOV BD ETF 921946885 4,719,651 70,548 SH SOLE 0 0 0 70,548
VANGUARD WORLD FD EGA GRWTH IND 921910816 7,008,748 17,417 SH SOLE 0 0 0 17,417
VULCAN MATLS CO OM 929160109 826,883 2,688 SH SOLE 0 0 0 2,688
WISDOMTREE TR IELD ENHANCD US 97717X511 2,786,885 62,952 SH SOLE 0 0 0 62,952
WISDOMTREE TR M EX ST-OWNED 97717X578 9,887,083 260,598 SH SOLE 0 0 0 260,598