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
3M CO COM 88579Y101 256,806 1,586 SH SOLE 0 0 0 1,586
ALTRIA GROUP INC COM 02209S103 554,769 7,710 SH SOLE 0 0 0 7,710
AMAZON COM INC COM 023135106 208,786 876 SH SOLE 0 0 0 876
AMGEN INC COM 031162100 490,457 1,354 SH SOLE 0 0 0 1,354
APPLE INC COM 037833100 2,177,287 7,524 SH SOLE 0 0 0 7,524
BANK OF AMER CORP COM 060505104 251,319 4,411 SH SOLE 0 0 0 4,411
BROWN & BROWN INC COM 115236101 413,262 6,442 SH SOLE 0 0 0 6,442
CARNIVAL CORP LTD COMMON SHARES G2004J103 258,146 9,036 SH SOLE 0 0 0 9,036
CATERPILLAR INC COM 149123101 920,966 865 SH SOLE 0 0 0 865
CHEVRON CORPORATION COM 166764100 445,764 2,689 SH SOLE 0 0 0 2,689
CISCO SYS INC COM 17275R102 477,588 4,066 SH SOLE 0 0 0 4,066
DELL TECHNOLOGIES INC CL C 24703L202 1,178,332 2,731 SH SOLE 0 0 0 2,731
DISNEY WALT CO COM 254687106 240,026 2,494 SH SOLE 0 0 0 2,494
EXXON MOBIL CORP COM 30231G102 676,080 4,945 SH SOLE 0 0 0 4,945
FIDELITY COVINGTON TRUST INT VL FCT ETF 316092717 7,095,269 184,197 SH SOLE 0 0 0 184,197
HUBBELL INC COM 443510607 401,152 767 SH SOLE 0 0 0 767
INTEL CORP COM 458140100 287,180 2,057 SH SOLE 0 0 0 2,057
INTERNATIONAL BUSINESS MACHS COM 459200101 288,101 1,025 SH SOLE 0 0 0 1,025
INVESCO QQQ TR UNIT SER 1 46090E103 261,585 355 SH SOLE 0 0 0 355
ISHARES TR CORE S&P500 ETF 464287200 23,479,810 31,353 SH SOLE 0 0 0 31,353
ISHARES TR CORE MSCI EAFE 46432F842 1,063,959 11,016 SH SOLE 0 0 0 11,016
ISHARES TR S&P MC 400VL ETF 464287705 240,298 1,627 SH SOLE 0 0 0 1,627
ISHARES TR RUS MD CP GR ETF 464287481 1,177,680 8,044 SH SOLE 0 0 0 8,044
ISHARES TR S&P 500 GRWT ETF 464287309 516,449 3,755 SH SOLE 0 0 0 3,755
ISHARES TR CORE S&P MCP ETF 464287507 20,268,116 262,847 SH SOLE 0 60 0 262,786
ISHARES TR ISHARES SEMICDTR 464287523 249,896 390 SH SOLE 0 0 0 390
ISHARES TR RUS MDCP VAL ETF 464287473 441,983 2,685 SH SOLE 0 0 0 2,685
ISHARES TR CORE S&P SCP ETF 464287804 11,368,593 76,654 SH SOLE 0 24 0 76,630
ISHARES TR RUS 2000 GRW ETF 464287648 356,401 905 SH SOLE 0 0 0 905
JOHNSON & JOHNSON COM 478160104 617,175 2,430 SH SOLE 0 0 0 2,430
JPMORGAN CHASE & CO COM 46625H100 1,199,155 3,663 SH SOLE 0 0 0 3,663
MCDONALDS CORP COM 580135101 682,065 2,523 SH SOLE 0 0 0 2,523
MERCK & CO INC COM 58933Y105 303,304 2,360 SH SOLE 0 0 0 2,360
MICROSOFT CORP COM 594918104 1,231,581 3,302 SH SOLE 0 0 0 3,302
MONDELEZ INTL INC CL A 609207105 446,689 7,723 SH SOLE 0 0 0 7,723
NVIDIA CORPORATION COM 67066G104 650,771 3,252 SH SOLE 0 0 0 3,252
PHILIP MORRIS INTL INC COM 718172109 1,214,116 6,711 SH SOLE 0 0 0 6,711
PINNACLE WEST CAP CORP COM 723484101 318,432 2,976 SH SOLE 0 0 0 2,976
PROCTER & GAMBLE CO COM 742718109 548,714 3,742 SH SOLE 0 0 0 3,742
SELECT SECTOR SPDR TR ST STR FINL ETF 81369Y605 341,496 6,370 SH SOLE 0 0 0 6,370
STATE STR SPDR DOW JONES IND UT SER 1 78467X109 224,423 430 SH SOLE 0 0 0 430
TRAVELERS COMPANIES INC COM 89417E109 283,903 860 SH SOLE 0 0 0 860
VANECK ETF TRUST SEMICONDUCTR ETF 92189F676 1,230,450 1,876 SH SOLE 0 0 0 1,876
VANGUARD INDEX FDS VALUE ETF 922908744 612,186 2,809 SH SOLE 0 0 0 2,809
VANGUARD INDEX FDS TOTAL STK MKT 922908769 2,800,274 7,567 SH SOLE 0 0 0 7,567
VANGUARD INDEX FDS SM CP VAL ETF 922908611 345,604 1,422 SH SOLE 0 0 0 1,422
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 354,930 1,500 SH SOLE 0 0 0 1,500
VISA INC COM CL A 92826C839 310,695 906 SH SOLE 0 0 0 906
WALMART INC COM 931142103 777,653 6,866 SH SOLE 0 0 0 6,866