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
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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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ABBOTT LABS COM 002824100   1,511,524 13,767 SH   SOLE   0 0 13,767
ALPHABET INC CAP STK CL C 02079K107   497,710 5,609 SH   SOLE   0 0 5,609
ALPHABET INC CAP STK CL A 02079K305   961,972 10,903 SH   SOLE   0 0 10,903
AMAZON COM INC COM 023135106   3,516,828 41,867 SH   SOLE   0 0 41,867
ANALOG DEVICES INC COM 032654105   609,094 3,713 SH   SOLE   0 0 3,713
APPLE INC COM 037833100   13,167,714 101,345 SH   SOLE   0 0 101,345
ASSURANT INC COM 04621X108   862,789 6,899 SH   SOLE   0 0 6,899
BECTON DICKINSON & CO COM 075887109   338,024 1,329 SH   SOLE   0 0 1,329
BERKLEY W R CORP COM 084423102   3,429,575 47,259 SH   SOLE   0 0 47,259
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   2,197,190 7,113 SH   SOLE   0 0 7,113
BERKSHIRE HATHAWAY INC DEL CL A 084670108   937,422 200 SH   SOLE   0 0 200
BOSTON BEER INC CL A 100557107   2,086,191 6,331 SH   SOLE   0 0 6,331
CANADIAN PAC RY LTD COM 13645T100   684,289 9,174 SH   SOLE   0 0 9,174
CATERPILLAR INC COM 149123101   2,571,556 10,734 SH   SOLE   0 0 10,734
CISCO SYS INC COM 17275R102   513,975 10,789 SH   SOLE   0 0 10,789
COLGATE PALMOLIVE CO COM 194162103   235,096 2,984 SH   SOLE   0 0 2,984
COMCAST CORP NEW CL A 20030N101   220,176 6,296 SH   SOLE   0 0 6,296
DECKERS OUTDOOR CORP COM 243537107   904,097 2,265 SH   SOLE   0 0 2,265
DISNEY WALT CO COM 254687106   2,832,797 32,606 SH   SOLE   0 0 32,606
DOMINOS PIZZA INC COM 25754A201   3,757,843 10,848 SH   SOLE   0 0 10,848
FIDELITY COVINGTON TRUST MSCI RL EST ETF 316092857   1,948,472 78,536 SH   SOLE   0 0 78,536
GILEAD SCIENCES INC COM 375558103   252,691 2,943 SH   SOLE   0 0 2,943
HP INC COM 40434L105   329,175 12,251 SH   SOLE   0 0 12,251
INTERNATIONAL BUSINESS MACHS COM 459200101   235,340 1,670 SH   SOLE   0 0 1,670
INVESCO EXCH TRADED FD TR II NATL AMT MUNI 46138E537   322,141 14,043 SH   SOLE   0 0 14,043
INVESCO EXCH TRADED FD TR II NY AMT FRE MUN 46138E529   1,046,414 47,285 SH   SOLE   0 0 47,285
INVESCO EXCHANGE TRADED FD T S&P500 EQL MAT 46137V316   428,009 2,698 SH   SOLE   0 0 2,698
INVESCO QQQ TR UNIT SER 1 46090E103   10,797,268 40,549 SH   SOLE   0 0 40,549
ISHARES INC MSCI CDA ETF 464286509   284,704 8,699 SH   SOLE   0 0 8,699
ISHARES TR 7-10 YR TRSY BD 464287440   3,388,762 35,381 SH   SOLE   0 0 35,381
ISHARES TR COHEN STEER REIT 464287564   5,711,961 104,157 SH   SOLE   0 0 104,157
ISHARES TR CORE S&P SCP ETF 464287804   2,862,257 30,244 SH   SOLE   0 0 30,244
ISHARES TR MSCI EAFE ETF 464287465   3,066,714 46,720 SH   SOLE   0 0 46,720
ISHARES TR RUS 1000 GRW ETF 464287614   866,807 4,046 SH   SOLE   0 0 4,046
ISHARES TR RUS MDCP VAL ETF 464287473   16,628,115 157,852 SH   SOLE   0 0 157,852
ISHARES TR S&P 500 GRWT ETF 464287309   3,074,949 52,563 SH   SOLE   0 0 52,563
ISHARES TR S&P 500 VAL ETF 464287408   7,671,828 52,884 SH   SOLE   0 0 52,884
ISHARES TR S&P MC 400GR ETF 464287606   4,087,702 59,849 SH   SOLE   0 0 59,849
ISHARES TR SP SMCP600VL ETF 464287879   8,492,451 93,007 SH   SOLE   0 0 93,007
ISHARES TR CORE S&P500 ETF 464287200   11,639,390 30,294 SH   SOLE   0 0 30,294
ISHARES TR CORE S&P MCP ETF 464287507   11,903,089 49,209 SH   SOLE   0 0 49,209
ISHARES TR CORE S&P US VLU 464287663   3,704,916 52,455 SH   SOLE   0 0 52,455
ISHARES TR MSCI EAFE MIN VL 46429B689   7,525,122 118,347 SH   SOLE   0 0 118,347
ISHARES TR S&P MC 400VL ETF 464287705   9,238,652 91,653 SH   SOLE   0 0 91,653
ISHARES TR S&P SML 600 GWT 464287887   4,284,762 39,648 SH   SOLE   0 0 39,648
ISHARES TR YLD OPTIM BD 46434V787   1,307,664 60,320 SH   SOLE   0 0 60,320
ISHARES TR TIPS BD ETF 464287176   8,702,056 81,756 SH   SOLE   0 0 81,756
ISHARES TR MORNINGSTR US EQ 464287127   399,414 7,588 SH   SOLE   0 0 7,588
ISHARES TR NORTH AMERN NAT 464287374   1,157,053 28,457 SH   SOLE   0 0 28,457
ISHARES TR EXPND TEC SC ETF 464287549   2,837,469 10,134 SH   SOLE   0 0 10,134
ISHARES TR CORE S&P US GWT 464287671   641,085 7,864 SH   SOLE   0 0 7,864
ISHARES TR RUS 1000 VAL ETF 464287598   3,656,787 24,113 SH   SOLE   0 0 24,113
ISHARES TR MSCI EMG MKT ETF 464287234   3,253,074 85,833 SH   SOLE   0 0 85,833
ISHARES TR CORE US AGGBD ET 464287226   3,420,556 35,267 SH   SOLE   0 0 35,267
ISHARES TR RUS MID CAP ETF 464287499   2,729,338 40,465 SH   SOLE   0 0 40,465
ISHARES TR U.S. TECH ETF 464287721   208,721 2,802 SH   SOLE   0 0 2,802
ISHARES TR 1 3 YR TREAS BD 464287457   407,250 5,017 SH   SOLE   0 0 5,017
ISHARES TR RUS 2000 VAL ETF 464287630   2,270,919 16,376 SH   SOLE   0 0 16,376
ISHARES TR S&P 100 ETF 464287101   436,471 2,559 SH   SOLE   0 0 2,559
ISHARES TR RUS 1000 ETF 464287622   296,946 1,411 SH   SOLE   0 0 1,411
ISHARES TR SELECT DIVID ETF 464287168   1,876,539 15,560 SH   SOLE   0 0 15,560
ISHARES TR U.S. PHARMA ETF 464288836   761,455 4,091 SH   SOLE   0 0 4,091
ISHARES TR ISHARES BIOTECH 464287556   229,070 1,745 SH   SOLE   0 0 1,745
ISHARES TR MRGSTR MD CP GRW 464288307   239,362 4,443 SH   SOLE   0 0 4,443
JOHNSON & JOHNSON COM 478160104   2,837,094 16,061 SH   SOLE   0 0 16,061
JPMORGAN CHASE & CO COM 46625H100   215,526 1,607 SH   SOLE   0 0 1,607
MCDONALDS CORP COM 580135101   254,165 964 SH   SOLE   0 0 964
MERCK & CO INC COM 58933Y105   731,343 6,592 SH   SOLE   0 0 6,592
MICROSOFT CORP COM 594918104   2,306,036 9,616 SH   SOLE   0 0 9,616
MOODYS CORP COM 615369105   937,278 3,364 SH   SOLE   0 0 3,364
NEWELL BRANDS INC COM 651229106   232,967 17,811 SH   SOLE   0 0 17,811
OMNICOM GROUP INC COM 681919106   656,767 8,052 SH   SOLE   0 0 8,052
PAYCHEX INC COM 704326107   1,065,053 9,216 SH   SOLE   0 0 9,216
PEPSICO INC COM 713448108   6,239,493 34,537 SH   SOLE   0 0 34,537
PFIZER INC COM 717081103   2,635,849 51,441 SH   SOLE   0 0 51,441
PIMCO ETF TR ACTIVE BD ETF 72201R775   1,253,479 13,854 SH   SOLE   0 0 13,854
PJT PARTNERS INC COM CL A 69343T107   2,991,106 40,590 SH   SOLE   0 0 40,590
PROCTER AND GAMBLE CO COM 742718109   2,001,018 13,203 SH   SOLE   0 0 13,203
PROSHARES TR PSHS ULT S&P 500 74347R107   6,276,337 141,200 SH   SOLE   0 0 141,200
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   2,302,078 97,257 SH   SOLE   0 0 97,257
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   13,124,144 200,033 SH   SOLE   0 0 200,033
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   5,956,552 147,039 SH   SOLE   0 0 147,039
SCHWAB STRATEGIC TR US TIPS ETF 808524870   14,240,216 274,961 SH   SOLE   0 0 274,961
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   1,453,597 32,439 SH   SOLE   0 0 32,439
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   2,528,238 55,996 SH   SOLE   0 0 55,996
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755   472,367 16,249 SH   SOLE   0 0 16,249
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   530,395 9,546 SH   SOLE   0 0 9,546
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854   457,842 9,300 SH   SOLE   0 0 9,300
SELECT SECTOR SPDR TR ENERGY 81369Y506   2,675,468 30,587 SH   SOLE   0 0 30,587
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   208,955 6,110 SH   SOLE   0 0 6,110
SPDR S&P 500 ETF TR TR UNIT 78462F103   2,014,839 5,269 SH   SOLE   0 0 5,269
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   2,145,456 4,845 SH   SOLE   0 0 4,845
SPDR SER TR PRTFLO S&P500 GW 78464A409   2,751,349 54,299 SH   SOLE   0 0 54,299
SPDR SER TR S&P 600 SML CAP 78464A813   5,581,232 67,890 SH   SOLE   0 0 67,890
SPDR SER TR PRTFLO S&P500 VL 78464A508   3,212,058 82,593 SH   SOLE   0 0 82,593
SPDR SER TR S&P 400 MDCP GRW 78464A821   1,453,493 22,245 SH   SOLE   0 0 22,245
SPDR SER TR S&P BIOTECH 78464A870   2,000,617 24,104 SH   SOLE   0 0 24,104
SPDR SER TR GLB DOW ETF 78464A706   1,331,329 13,174 SH   SOLE   0 0 13,174
SPDR SER TR S&P DIVID ETF 78464A763   3,199,516 25,574 SH   SOLE   0 0 25,574
SPDR SER TR S&P 600 SMCP GRW 78464A201   227,660 3,151 SH   SOLE   0 0 3,151
UNITEDHEALTH GROUP INC COM 91324P102   916,873 1,729 SH   SOLE   0 0 1,729
VANGUARD ADMIRAL FDS INC 500 GRTH IDX F 921932505   2,287,259 10,843 SH   SOLE   0 0 10,843
VANGUARD BD INDEX FDS INTERMED TERM 921937819   10,933,099 147,108 SH   SOLE   0 0 147,108
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   756,645 10,051 SH   SOLE   0 0 10,051
VANGUARD INDEX FDS MID CAP ETF 922908629   5,656,100 27,752 SH   SOLE   0 0 27,752
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   3,626,493 43,968 SH   SOLE   0 0 43,968
VANGUARD INDEX FDS SML CP GRW ETF 922908595   13,193,382 65,789 SH   SOLE   0 0 65,789
VANGUARD INDEX FDS SM CP VAL ETF 922908611   21,370,135 134,573 SH   SOLE   0 0 134,573
VANGUARD INDEX FDS TOTAL STK MKT 922908769   8,991,498 47,029 SH   SOLE   0 0 47,029
VANGUARD INDEX FDS SMALL CP ETF 922908751   7,925,265 43,180 SH   SOLE   0 0 43,180
VANGUARD INDEX FDS GROWTH ETF 922908736   1,011,246 4,745 SH   SOLE   0 0 4,745
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538   3,737,597 20,792 SH   SOLE   0 0 20,792
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   12,319,253 91,092 SH   SOLE   0 0 91,092
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   1,342,353 34,437 SH   SOLE   0 0 34,437
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   19,056,778 253,448 SH   SOLE   0 0 253,448
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   12,337,445 81,248 SH   SOLE   0 0 81,248
VANGUARD STAR FDS VG TL INTL STK F 921909768   468,226 9,053 SH   SOLE   0 0 9,053
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   309,105 7,365 SH   SOLE   0 0 7,365
VANGUARD WORLD FDS ENERGY ETF 92204A306   1,239,982 10,224 SH   SOLE   0 0 10,224
VANGUARD WORLD FDS INF TECH ETF 92204A702   2,216,465 6,939 SH   SOLE   0 0 6,939
VULCAN MATLS CO COM 929160109   303,246 1,732 SH   SOLE   0 0 1,732
WALMART INC COM 931142103   647,067 4,564 SH   SOLE   0 0 4,564