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 BBRG ALL COMD K1 003261104 2,949,632 121,434 SH SOLE 0 0 121,434
ALPHABET INC CAP STK CL A 02079K305 369,640 1,285 SH SOLE 0 0 1,285
ALPHABET INC CAP STK CL C 02079K107 216,579 755 SH SOLE 0 0 755
ALTRIA GROUP INC COM 02209S103 1,085,338 16,447 SH SOLE 0 0 16,447
AMAZON COM INC COM 023135106 940,756 4,517 SH SOLE 0 0 4,517
APPLE INC COM 037833100 1,053,258 4,150 SH SOLE 0 0 4,150
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 261,164 545 SH SOLE 0 0 545
CISCO SYS INC COM 17275R102 1,485,073 19,140 SH SOLE 0 0 19,140
COCA COLA CO COM 191216100 446,033 5,865 SH SOLE 0 0 5,865
DBX ETF TR XTRACK INTL REAL 233051846 992,123 43,907 SH SOLE 0 0 43,907
EXXON MOBIL CORP COM 30231G102 1,960,930 11,558 SH SOLE 0 0 11,558
FIDELITY COVINGTON TRUST MSCI RL EST ETF 316092857 5,375,029 199,741 SH SOLE 0 0 199,741
FRANKLIN TEMPLETON ETF TR FRANKLIN DYN MUN 35473P868 2,961,066 119,446 SH SOLE 0 0 119,446
FRANKLIN TEMPLETON ETF TR SENIOR LOAN ETF 35473P595 2,771,928 120,519 SH SOLE 0 0 120,519
GRANITESHARES ETF TR BBG COMMD K 1 38747R108 5,791,618 220,507 SH SOLE 0 0 220,507
GRANITESHARES GOLD TR SHS BEN INT 38748G101 1,440,686 31,231 SH SOLE 0 0 31,231
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354 5,989,983 81,898 SH SOLE 0 0 81,898
INVESCO EXCH TRADED FD TR II S&P INTL QULTY 46138E214 734,317 20,761 SH SOLE 0 0 20,761
INVESCO EXCH TRADED FD TR II NY AMT FRE MUN 46138E529 1,692,195 76,674 SH SOLE 0 0 76,674
ISHARES INC JP MRG EM CRP BD 464286251 700,119 15,462 SH SOLE 0 0 15,462
ISHARES TR CORE HIGH DV ETF 46429B663 4,569,150 33,666 SH SOLE 0 0 33,666
ISHARES TR GL CLEAN ENE ETF 464288224 286,879 15,685 SH SOLE 0 0 15,685
ISHARES TR JPMORGAN USD EMG 464288281 680,382 7,244 SH SOLE 0 0 7,244
ISHARES TR EAFE SML CP ETF 464288273 2,113,855 26,959 SH SOLE 0 0 26,959
ISHARES TR RUS MID CAP ETF 464287499 350,222 3,602 SH SOLE 0 0 3,602
ISHARES TR RUS MD CP GR ETF 464287481 336,956 2,630 SH SOLE 0 0 2,630
ISHARES TR S&P MC 400VL ETF 464287705 646,733 4,881 SH SOLE 0 0 4,881
ISHARES TR S&P MC 400GR ETF 464287606 543,952 5,406 SH SOLE 0 0 5,406
ISHARES TR S&P SML 600 GWT 464287887 1,980,429 13,686 SH SOLE 0 0 13,686
ISHARES TR RUS 1000 GRW ETF 464287614 1,156,823 2,713 SH SOLE 0 0 2,713
ISHARES TR SELECT DIVID ETF 464287168 386,550 2,553 SH SOLE 0 0 2,553
ISHARES TR MORNINGSTAR GRWT 464287119 4,732,084 49,561 SH SOLE 0 0 49,561
ISHARES TR MORNINGSTAR VALU 464288109 298,048 3,200 SH SOLE 0 0 3,200
ISHARES TR IBOXX INV CP ETF 464287242 1,166,406 10,702 SH SOLE 0 0 10,702
ISHARES TR EAFE VALUE ETF 464288877 2,081,967 28,002 SH SOLE 0 0 28,002
ISHARES TR EAFE GRWTH ETF 464288885 2,620,797 23,532 SH SOLE 0 0 23,532
ISHARES TR ESG AWRE USD ETF 46435G193 542,348 23,440 SH SOLE 0 0 23,440
ISHARES TR CORE INTL AGGR 46435G672 869,070 17,368 SH SOLE 0 0 17,368
ISHARES TR ESG AW MSCI EAFE 46435G516 320,805 3,355 SH SOLE 0 0 3,355
LEGG MASON ETF INVT CLEARBRIDGE LRG 524682200 244,024 3,245 SH SOLE 0 0 3,245
MICROSOFT CORP COM 594918104 358,325 968 SH SOLE 0 0 968
MONDELEZ INTL INC CL A 609207105 494,494 8,579 SH SOLE 0 0 8,579
NUSHARES ETF TR NUVEEN ESG LRGCP 67092P201 399,863 4,397 SH SOLE 0 0 4,397
NUSHARES ETF TR NUVEEN ESG LRGVL 67092P300 518,200 11,389 SH SOLE 0 0 11,389
NVIDIA CORPORATION COM 67066G104 225,325 1,292 SH SOLE 0 0 1,292
PACER FDS TR US CASH COWS 100 69374H881 6,885,348 110,060 SH SOLE 0 0 110,060
PACER FDS TR US SMALL CAP CAS 69374H857 2,029,066 45,221 SH SOLE 0 0 45,221
PACER FDS TR DEVELOPED MRKT 69374H873 4,022,039 94,770 SH SOLE 0 0 94,770
PHILIP MORRIS INTL INC COM 718172109 1,264,355 7,647 SH SOLE 0 0 7,647
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 244,089 7,884 SH SOLE 0 0 7,884
SCHWAB STRATEGIC TR FUNDAMENTAL INTL 808524755 3,617,786 73,938 SH SOLE 0 0 73,938
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 334,645 11,488 SH SOLE 0 0 11,488
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 3,347,436 109,752 SH SOLE 0 0 109,752
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 1,716,223 36,719 SH SOLE 0 0 36,719
SELECT SECTOR SPDR TR STATE STREET MAT 81369Y100 1,535,453 30,728 SH SOLE 0 0 30,728
SPDR INDEX SHS FDS STATE STREET SPD 78463X509 1,331,869 28,392 SH SOLE 0 0 28,392
SPDR INDEX SHS FDS STATE STREET SPD 78470E106 344,978 6,932 SH SOLE 0 0 6,932
SPDR SERIES TRUST STATE STREET SPD 78464A284 755,631 30,469 SH SOLE 0 0 30,469
SPDR SERIES TRUST STATE STREET SPD 78468R853 276,573 5,724 SH SOLE 0 0 5,724
SPDR SERIES TRUST STATE STREET SPD 78464A821 1,676,325 17,469 SH SOLE 0 0 17,469
SPDR SERIES TRUST STATE STREET SPD 78464A847 206,258 3,483 SH SOLE 0 0 3,483
SPDR SERIES TRUST STATE STREET SPD 78464A300 1,124,556 11,890 SH SOLE 0 0 11,890
SPDR SERIES TRUST STATE STREET SPD 78464A201 2,168,225 22,441 SH SOLE 0 0 22,441
SPDR SERIES TRUST STATE STREET SPD 78464A409 5,793,460 59,171 SH SOLE 0 0 59,171
SPDR SERIES TRUST STATE STREET SPD 78464A508 7,846,632 138,682 SH SOLE 0 0 138,682
SPDR SERIES TRUST STATE STREET SPD 78464A839 1,258,777 14,783 SH SOLE 0 0 14,783
TESLA INC COM 88160R101 602,235 1,620 SH SOLE 0 0 1,620
VANECK ETF TRUST GOLD MINERS ETF 92189F106 645,510 7,034 SH SOLE 0 0 7,034
VANECK ETF TRUST GREEN BOND ETF 92189F171 315,468 13,167 SH SOLE 0 0 13,167
VANGUARD ADMIRAL FDS INC MIDCP 400 GRTH 921932869 508,372 4,066 SH SOLE 0 0 4,066
VANGUARD ADMIRAL FDS INC MIDCP 400 VAL 921932844 941,567 9,236 SH SOLE 0 0 9,236
VANGUARD ADMIRAL FDS INC SMLCP 600 VAL 921932778 1,815,856 17,848 SH SOLE 0 0 17,848
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 4,249,691 57,709 SH SOLE 0 0 57,709
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 2,164,579 27,606 SH SOLE 0 0 27,606
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 11,232,481 233,767 SH SOLE 0 0 233,767
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 2,892,936 11,241 SH SOLE 0 0 11,241
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 3,255,353 17,665 SH SOLE 0 0 17,665
VANGUARD INDEX FDS SML CP GRW ETF 922908595 3,206,268 10,608 SH SOLE 0 0 10,608
VANGUARD INDEX FDS MID CAP ETF 922908629 289,508 1,008 SH SOLE 0 0 1,008
VANGUARD INDEX FDS SM CP VAL ETF 922908611 3,314,559 15,257 SH SOLE 0 0 15,257
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 1,215,279 13,701 SH SOLE 0 0 13,701
VANGUARD INDEX FDS SMALL CP ETF 922908751 470,424 1,796 SH SOLE 0 0 1,796
VANGUARD INDEX FDS GROWTH ETF 922908736 596,655 1,366 SH SOLE 0 0 1,366
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 704,542 13,035 SH SOLE 0 0 13,035
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676 385,159 8,665 SH SOLE 0 0 8,665
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 309,337 4,119 SH SOLE 0 0 4,119
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 5,669,475 113,640 SH SOLE 0 0 113,640
VANGUARD NY TAX FREE FDS TAX EXEMPT BD 92204H400 512,250 5,000 SH SOLE 0 0 5,000
VANGUARD SCOTTSDALE FDS VNG RUS1000GRW 92206C680 8,814,950 80,362 SH SOLE 0 0 80,362
VANGUARD SCOTTSDALE FDS VNG RUS2000GRW 92206C623 798,005 3,484 SH SOLE 0 0 3,484
VANGUARD WHITEHALL FDS EM MK GOV BD ETF 921946885 4,827,089 73,483 SH SOLE 0 0 73,483
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810 4,302,308 48,636 SH SOLE 0 0 48,636
VANGUARD WORLD FD MEGA GRWTH IND 921910816 6,643,866 18,082 SH SOLE 0 0 18,082
VULCAN MATLS CO COM 929160109 731,942 2,688 SH SOLE 0 0 2,688
WISDOMTREE TR EM EX ST-OWNED 97717X578 9,834,533 245,250 SH SOLE 0 0 245,250
WISDOMTREE TR US HGH YLD CORP 97717X172 6,815,132 149,652 SH SOLE 0 0 149,652
WISDOMTREE TR YIELD ENHANCD US 97717X511 2,774,674 63,859 SH SOLE 0 0 63,859