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 3,008,629 116,298 SH SOLE 0 0 0 116,298
ALPHABET INC CAP STK CL A 02079K305 442,293 1,285 SH SOLE 0 0 0 1,285
ALPHABET INC CAP STK CL C 02079K107 257,259 755 SH SOLE 0 0 0 755
ALTRIA GROUP INC COM 02209S103 718,585 10,671 SH SOLE 0 0 0 10,671
AMAZON COM INC COM 023135106 1,115,445 4,477 SH SOLE 0 0 0 4,477
APPLE INC COM 037833100 1,376,743 4,134 SH SOLE 0 0 0 4,134
BANK OF NY MELLON CORP COM 064058100 234,011 1,618 SH SOLE 0 0 0 1,618
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 265,905 534 SH SOLE 0 0 0 534
CISCO SYS INC COM 17275R102 1,655,457 15,381 SH SOLE 0 0 0 15,381
COCA COLA CO COM 191216100 504,859 5,865 SH SOLE 0 0 0 5,865
DBX ETF TR XTRACK INTL REAL 233051846 1,004,604 47,320 SH SOLE 0 0 0 47,320
EXXONMOBIL HOLDINGS CORP COM SHS 30233Q108 1,706,434 10,485 SH SOLE 0 0 0 10,485
FIDELITY COVINGTON TRUST MSCI RL EST ETF 316092857 5,408,174 198,976 SH SOLE 0 0 0 198,976
FRANKLIN TEMPLETON ETF TR FRANKLIN DYN MUN 35473P868 2,621,961 112,434 SH SOLE 0 0 0 112,434
FRANKLIN TEMPLETON ETF TR SENIOR LOAN ETF 35473P595 2,755,055 119,785 SH SOLE 0 0 0 119,785
GRANITESHARES ETF TR BBG COMMD K 1 38747R108 6,079,714 218,224 SH SOLE 0 0 0 218,224
GRANITESHARES GOLD TR SHS BEN INT 38748G101 1,305,152 31,903 SH SOLE 0 0 0 31,903
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354 5,699,218 80,829 SH SOLE 0 0 0 80,829
INVESCO EXCH TRADED FD TR II S&P INTL QULTY 46138E214 835,169 19,364 SH SOLE 0 0 0 19,364
INVESCO EXCH TRADED FD TR II NY AMT FRE MUN 46138E529 1,577,951 76,674 SH SOLE 0 0 0 76,674
ISHARES INC JP MRG EM CRP BD 464286251 688,512 15,648 SH SOLE 0 0 0 15,648
ISHARES INC ESG AWR MSCI EM 46434G863 207,054 3,823 SH SOLE 0 0 0 3,823
ISHARES TR ESG AW MSCI EAFE 46435G516 347,279 3,370 SH SOLE 0 0 0 3,370
ISHARES TR CORE INTL AGGR 46435G672 854,481 17,368 SH SOLE 0 0 0 17,368
ISHARES TR ESG AWRE USD ETF 46435G193 515,071 23,471 SH SOLE 0 0 0 23,471
ISHARES TR CORE HIGH DV ETF 46429B663 4,674,800 167,196 SH SOLE 0 0 0 167,196
ISHARES TR GL CLEAN ENE ETF 464288224 266,645 15,685 SH SOLE 0 0 0 15,685
ISHARES TR JPMORGAN USD EMG 464288281 648,461 7,139 SH SOLE 0 0 0 7,139
ISHARES TR EAFE SML CP ETF 464288273 2,265,495 26,836 SH SOLE 0 0 0 26,836
ISHARES TR RUS MID CAP ETF 464287499 384,369 3,602 SH SOLE 0 0 0 3,602
ISHARES TR RUS MD CP GR ETF 464287481 372,011 2,702 SH SOLE 0 0 0 2,702
ISHARES TR S&P MC 400VL ETF 464287705 672,163 4,881 SH SOLE 0 0 0 4,881
ISHARES TR S&P MC 400GR ETF 464287606 592,552 5,406 SH SOLE 0 0 0 5,406
ISHARES TR S&P SML 600 GWT 464287887 2,086,454 13,014 SH SOLE 0 0 0 13,014
ISHARES TR RUS 1000 GRW ETF 464287614 1,356,816 10,832 SH SOLE 0 0 0 10,832
ISHARES TR SELECT DIVID ETF 464287168 388,235 2,553 SH SOLE 0 0 0 2,553
ISHARES TR MORNINGSTAR GRWT 464287119 4,857,764 41,530 SH SOLE 0 0 0 41,530
ISHARES TR MORNINGSTAR VALU 464288109 337,088 3,200 SH SOLE 0 0 0 3,200
ISHARES TR IBOXX INV CP ETF 464287242 1,086,991 10,638 SH SOLE 0 0 0 10,638
ISHARES TR EAFE VALUE ETF 464288877 2,210,400 27,930 SH SOLE 0 0 0 27,930
ISHARES TR EAFE GRWTH ETF 464288885 2,810,294 23,452 SH SOLE 0 0 0 23,452
LEGG MASON ETF INVT CLEARBRIDGE LRG 524682200 293,844 3,245 SH SOLE 0 0 0 3,245
MICROSOFT CORP COM 594918104 496,487 968 SH SOLE 0 0 0 968
MONDELEZ INTL INC CL A 609207105 354,148 6,125 SH SOLE 0 0 0 6,125
NORTHERN LIGHTS FD TR TOEWS AGILITY SH 66538J241 2,909,582 115,450 SH SOLE 0 0 0 115,450
NUSHARES ETF TR NUVEEN ESG LRGVL 67092P300 599,631 11,389 SH SOLE 0 0 0 11,389
NUSHARES ETF TR NUVEEN ESG LRGCP 67092P201 499,895 4,397 SH SOLE 0 0 0 4,397
NVIDIA CORPORATION COM 67066G104 295,067 1,292 SH SOLE 0 0 0 1,292
PACER FDS TR US SM CAP CA ETF 69374H857 2,334,303 43,812 SH SOLE 0 0 0 43,812
PACER FDS TR DEVELOPED MRKT 69374H873 3,874,525 92,119 SH SOLE 0 0 0 92,119
PACER FDS TR US CASH COWS 100 69374H881 7,377,916 110,514 SH SOLE 0 0 0 110,514
PHILIP MORRIS INTL INC COM 718172109 1,047,220 5,488 SH SOLE 0 0 0 5,488
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 262,090 7,704 SH SOLE 0 0 0 7,704
SCHWAB STRATEGIC TR FUNDAMENTAL INTL 808524755 3,940,278 73,308 SH SOLE 0 0 0 73,308
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 323,945 9,016 SH SOLE 0 0 0 9,016
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 3,647,478 109,501 SH SOLE 0 0 0 109,501
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 1,859,853 37,392 SH SOLE 0 0 0 37,392
SELECT SECTOR SPDR TR ST STR MATER ETF 81369Y100 1,492,825 30,654 SH SOLE 0 0 0 30,654
SPDR INDEX SHS FDS ST PORT MARK ETF 78463X509 1,469,570 28,392 SH SOLE 0 0 0 28,392
SPDR INDEX SHS FDS ST STR MSCI EAFE 78470E106 321,795 6,007 SH SOLE 0 0 0 6,007
SPDR SERIES TRUST ST STR MSCI GEN 78468R747 217,304 1,380 SH SOLE 0 0 0 1,380
SPDR SERIES TRUST ST NUVE HIGH ETF 78464A284 710,038 30,253 SH SOLE 0 0 0 30,253
SPDR SERIES TRUST ST STR SP600 SML 78468R853 302,657 5,726 SH SOLE 0 0 0 5,726
SPDR SERIES TRUST ST STR SP400GRW 78464A821 1,813,386 17,348 SH SOLE 0 0 0 17,348
SPDR SERIES TRUST ST STR P400MID 78464A847 219,645 3,484 SH SOLE 0 0 0 3,484
SPDR SERIES TRUST ST STR SP600SM C 78464A300 1,214,564 11,890 SH SOLE 0 0 0 11,890
SPDR SERIES TRUST ST STR SP600GRWO 78464A201 2,397,813 22,416 SH SOLE 0 0 0 22,416
SPDR SERIES TRUST ST STR P500GRW 78464A409 6,699,223 54,430 SH SOLE 0 0 0 54,430
SPDR SERIES TRUST ST STR P500VAL 78464A508 8,454,657 138,306 SH SOLE 0 0 0 138,306
SPDR SERIES TRUST ST STR SP400VAL 78464A839 1,265,870 14,302 SH SOLE 0 0 0 14,302
TESLA INC COM 88160R101 574,792 1,620 SH SOLE 0 0 0 1,620
VANECK ETF TRUST GOLD MINERS ETF 92189F106 596,689 6,796 SH SOLE 0 0 0 6,796
VANECK ETF TRUST GREEN BOND ETF 92189F171 305,738 13,167 SH SOLE 0 0 0 13,167
VANGUARD ADMIRAL FDS INC MIDCP 400 GRTH 921932869 483,362 3,538 SH SOLE 0 0 0 3,538
VANGUARD ADMIRAL FDS INC MIDCP 400 VAL 921932844 953,690 8,923 SH SOLE 0 0 0 8,923
VANGUARD ADMIRAL FDS INC SMLCP 600 VAL 921932778 1,963,280 17,848 SH SOLE 0 0 0 17,848
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 4,102,512 58,482 SH SOLE 0 0 0 58,482
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 2,109,091 27,606 SH SOLE 0 0 0 27,606
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 11,031,464 235,363 SH SOLE 0 0 0 235,363
VANGUARD INDEX FDS MRNGSTR MD CP GR 922908538 3,245,304 11,110 SH SOLE 0 0 0 11,110
VANGUARD INDEX FDS MRNGSTR MD CP VA 922908512 3,453,156 17,660 SH SOLE 0 0 0 17,660
VANGUARD INDEX FDS MRNGSTR SM CP GR 922908595 3,524,243 10,432 SH SOLE 0 0 0 10,432
VANGUARD INDEX FDS MRNGSTR MID CAP 922908629 315,570 4,024 SH SOLE 0 0 0 4,024
VANGUARD INDEX FDS MRNGSTR SML CP V 922908611 3,430,130 14,847 SH SOLE 0 0 0 14,847
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 1,228,021 13,701 SH SOLE 0 0 0 13,701
VANGUARD INDEX FDS MRNGSTR SML CAP 922908751 510,961 1,796 SH SOLE 0 0 0 1,796
VANGUARD INDEX FDS MRNGSTR GRWT ETF 922908736 696,550 7,730 SH SOLE 0 0 0 7,730
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 773,130 13,035 SH SOLE 0 0 0 13,035
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676 376,557 8,856 SH SOLE 0 0 0 8,856
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 340,094 4,099 SH SOLE 0 0 0 4,099
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 5,290,799 111,715 SH SOLE 0 0 0 111,715
VANGUARD NY TAX FREE FDS TAX EXEMPT BD 92204H400 476,966 4,900 SH SOLE 0 0 0 4,900
VANGUARD SCOTTSDALE FDS VNG RUS1000GRW 92206C680 9,862,371 76,494 SH SOLE 0 0 0 76,494
VANGUARD SCOTTSDALE FDS VNG RUS2000GRW 92206C623 715,032 2,744 SH SOLE 0 0 0 2,744
VANGUARD WHITEHALL FDS EM MK GOV BD ETF 921946885 4,645,900 73,593 SH SOLE 0 0 0 73,593
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810 4,724,966 50,042 SH SOLE 0 0 0 50,042
VANGUARD WORLD FD MRNGSTR MEGA CAP 921910816 7,467,266 80,597 SH SOLE 0 0 0 80,597
VULCAN MATLS CO COM 929160109 657,565 2,688 SH SOLE 0 0 0 2,688
WISDOMTREE TR EM EX ST-OWNED 97717X578 11,284,265 240,859 SH SOLE 0 0 0 240,859
WISDOMTREE TR US HGH YLD CORP 97717X172 6,587,130 148,929 SH SOLE 0 0 0 148,929
WISDOMTREE TR YIELD ENHANCD US 97717X511 2,620,160 63,627 SH SOLE 0 0 0 63,627