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
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
ABBOTT LABS COM 002824100 419 5,234 SH   SOLE 0 0 5,234
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 356 2,172 SH   SOLE 0 0 2,172
ADOBE INC COM 00724F101 2,754 8,500 SH   SOLE 0 0 8,500
ALLSTATE CORP COM 020002101 214 2,374 SH   SOLE 0 0 2,374
ALPHABET INC CAP STK CL C 02079K107 218 187 SH   SOLE 0 0 187
ALPHABET INC CAP STK CL A 02079K305 298 286 SH   SOLE 0 0 286
AMAZON COM INC COM 023135106 801 404 SH   SOLE 0 0 404
AMERICAN FIN TR INC COM CLASS A 02607T109 112 17,839 SH   SOLE 0 0 17,839
AMERICAN TOWER CORP NEW COM 03027X100 461 2,123 SH   SOLE 0 0 2,123
AMERIPRISE FINL INC COM 03076C106 521 5,077 SH   SOLE 0 0 5,077
AMGEN INC COM 031162100 446 2,227 SH   SOLE 0 0 2,227
ANTHEM INC COM 036752103 262 1,157 SH   SOLE 0 0 1,157
APPLE INC COM 037833100 5,100 19,902 SH   SOLE 0 0 19,902
APPLIED MATLS INC COM 038222105 260 5,685 SH   SOLE 0 0 5,685
ASHLAND GLOBAL HLDGS INC COM 044186104 292 5,868 SH   SOLE 0 0 5,868
AT&T INC COM 00206R102 431 14,789 SH   SOLE 0 0 14,789
AUTODESK INC COM 052769106 242 1,580 SH   SOLE 0 0 1,580
AUTOMATIC DATA PROCESSING IN COM 053015103 719 5,259 SH   SOLE 0 0 5,259
AVALONBAY CMNTYS INC COM 053484101 272 1,846 SH   SOLE 0 0 1,846
BANK AMER CORP COM 060505104 1,936 90,538 SH   SOLE 0 0 90,538
BECTON DICKINSON & CO COM 075887109 699 3,007 SH   SOLE 0 0 3,007
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 235 1,282 SH   SOLE 0 0 1,282
BLACKROCK INC COM 09247X101 653 1,481 SH   SOLE 0 0 1,481
BROADCOM INC COM 11135F101 674 2,856 SH   SOLE 0 0 2,856
CAPITAL ONE FINL CORP COM 14040H105 269 5,345 SH   SOLE 0 0 5,345
CARDINAL HEALTH INC COM 14149Y108 460 9,736 SH   SOLE 0 0 9,736
CATERPILLAR INC DEL COM 149123101 456 3,894 SH   SOLE 0 0 3,894
CEDAR FAIR L P DEPOSITRY UNIT 150185106 426 23,202 SH   SOLE 0 0 23,202
CHIPOTLE MEXICAN GRILL INC COM 169656105 367 551 SH   SOLE 0 0 551
CISCO SYS INC COM 17275R102 1,957 49,746 SH   SOLE 0 0 49,746
CITIZENS FINL GROUP INC COM 174610105 193 10,433 SH   SOLE 0 0 10,433
CME GROUP INC COM CL A 12572Q105 296 1,682 SH   SOLE 0 0 1,682
COMCAST CORP NEW CL A 20030N101 272 7,989 SH   SOLE 0 0 7,989
CONOCOPHILLIPS COM 20825C104 334 10,976 SH   SOLE 0 0 10,976
COSTCO WHSL CORP NEW COM 22160K105 700 2,465 SH   SOLE 0 0 2,465
CVS HEALTH CORP COM 126650100 367 6,166 SH   SOLE 0 0 6,166
DANAHER CORP DEL COM 235851102 1,005 7,262 SH   SOLE 0 0 7,262
DARDEN RESTAURANTS INC COM 237194105 280 5,136 SH   SOLE 0 0 5,136
DEERE & CO COM 244199105 2,694 19,360 SH   SOLE 0 0 19,360
DIGITAL RLTY TR INC COM 253868103 331 2,390 SH   SOLE 0 0 2,390
DISNEY WALT CO COM DISNEY 254687106 808 8,392 SH   SOLE 0 0 8,392
DOMINION ENERGY INC COM 25746U109 1,135 15,659 SH   SOLE 0 0 15,659
EVERSOURCE ENERGY COM 30040W108 415 5,280 SH   SOLE 0 0 5,280
EXXON MOBIL CORP COM 30231G102 375 9,903 SH   SOLE 0 0 9,903
FACEBOOK INC CL A 30303M102 898 5,253 SH   SOLE 0 0 5,253
FIRST TR STOXX EURO DIV FD COMMON SHS 33735T109 556 57,752 SH   SOLE 0 0 57,752
FORD MTR CO DEL COM PAR $0.01 345370860 91 19,284 SH   SOLE 0 0 19,284
GENERAL ELECTRIC CO COM 369604103 85 10,626 SH   SOLE 0 0 10,626
HOME DEPOT INC COM 437076102 372 2,027 SH   SOLE 0 0 2,027
HONEYWELL INTL INC COM 438516106 1,373 10,252 SH   SOLE 0 0 10,252
ILLINOIS TOOL WKS INC COM 452308109 653 4,551 SH   SOLE 0 0 4,551
INTERCONTINENTAL EXCHANGE IN COM 45866F104 432 5,334 SH   SOLE 0 0 5,334
INTUIT COM 461202103 205 913 SH   SOLE 0 0 913
INVESCO ACTIVELY MANAGD ETF ULTRA SHRT DUR 46090A887 16,803 340,879 SH   SOLE 0 0 340,879
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 245 2,920 SH   SOLE 0 0 2,920
INVESCO EXCHNG TRADED FD TR S&P500 LOW VOL 46138E354 6,856 146,200 SH   SOLE 0 0 146,200
INVESCO QQQ TR UNIT SER 1 46090E103 7,817 40,981 SH   SOLE 0 0 40,981
ISHARES TR CORE S&P TTL STK 464287150 465 8,058 SH   SOLE 0 0 8,058
ISHARES TR TIPS BD ETF 464287176 1,475 12,502 SH   SOLE 0 0 12,502
ISHARES TR CORE US AGGBD ET 464287226 24,407 212,280 SH   SOLE 0 0 212,280
ISHARES TR MSCI EAFE ETF 464287465 316 5,900 SH   SOLE 0 0 5,900
ISHARES TR CORE S&P MCP ETF 464287507 759 5,282 SH   SOLE 0 0 5,282
ISHARES TR RUSSELL 2000 ETF 464287655 670 5,900 SH   SOLE 0 0 5,900
ISHARES TR U.S. REAL ES ETF 464287739 425 6,053 SH   SOLE 0 0 6,053
ISHARES TR INTRM TR CRP ETF 464288638 22,570 411,421 SH   SOLE 0 0 411,421
ISHARES TR RUS TP200 GR ETF 464289438 18,583 220,689 SH   SOLE 0 0 220,689
ISHARES TR MIN VOL EAFE ETF 46429B689 853 13,685 SH   SOLE 0 0 13,685
ISHARES US ETF TR SHT MAT BD ETF 46431W507 11,412 235,690 SH   SOLE 0 0 235,690
JOHNSON & JOHNSON COM 478160104 667 5,111 SH   SOLE 0 0 5,111
JP MORGAN EXCHANGE TRADED FD ULTRA SHRT INC 46641Q837 277 5,525 SH   SOLE 0 0 5,525
JPMORGAN CHASE & CO COM 46625H100 2,174 23,857 SH   SOLE 0 0 23,857
KINDER MORGAN INC DEL COM 49456B101 170 12,128 SH   SOLE 0 0 12,128
KLA-TENCOR CORP COM 482480100 327 2,300 SH   SOLE 0 0 2,300
LAUDER ESTEE COS INC CL A 518439104 405 2,533 SH   SOLE 0 0 2,533
LILLY ELI & CO COM 532457108 2,260 16,384 SH   SOLE 0 0 16,384
LOCKHEED MARTIN CORP COM 539830109 3,673 10,967 SH   SOLE 0 0 10,967
LOWES COS INC COM 548661107 383 4,486 SH   SOLE 0 0 4,486
LULULEMON ATHLETICA INC COM 550021109 602 3,180 SH   SOLE 0 0 3,180
MASCO CORP COM 574599106 290 8,605 SH   SOLE 0 0 8,605
MASTERCARD INCORPORATED CL A 57636Q104 650 2,734 SH   SOLE 0 0 2,734
MCDONALDS CORP COM 580135101 446 2,758 SH   SOLE 0 0 2,758
MEDTRONIC PLC SHS G5960L103 390 4,275 SH   SOLE 0 0 4,275
MERCK & CO INC COM 58933Y105 925 12,014 SH   SOLE 0 0 12,014
MICROSOFT CORP COM 594918104 4,610 29,189 SH   SOLE 0 0 29,189
MOODYS CORP COM 615369105 231 1,154 SH   SOLE 0 0 1,154
MOTOROLA SOLUTIONS INC COM NEW 620076307 236 1,725 SH   SOLE 0 0 1,725
NETFLIX INC COM 64110L106 3,330 8,778 SH   SOLE 0 0 8,778
NEWMONT MINING CORP COM 651639106 346 7,505 SH   SOLE 0 0 7,505
NEXTERA ENERGY INC COM 65339F101 359 1,521 SH   SOLE 0 0 1,521
NIKE INC CL B 654106103 475 5,793 SH   SOLE 0 0 5,793
NORTHROP GRUMMAN CORP COM 666807102 580 1,898 SH   SOLE 0 0 1,898
NOVARTIS A G SPONSORED ADR 66987V109 409 5,034 SH   SOLE 0 0 5,034
NVIDIA CORP COM 67066G104 4,003 15,234 SH   SOLE 0 0 15,234
PARKER HANNIFIN CORP COM 701094104 223 1,726 SH   SOLE 0 0 1,726
PAYCHEX INC COM 704326107 494 7,845 SH   SOLE 0 0 7,845
PEPSICO INC COM 713448108 444 3,685 SH   SOLE 0 0 3,685
PIMCO ETF TR 0-5 HIGH YIELD 72201R783 603 7,025 SH   SOLE 0 0 7,025
PNC FINL SVCS GROUP INC COM 693475105 393 4,150 SH   SOLE 0 0 4,150
PROCTER AND GAMBLE CO COM 742718109 355 3,146 SH   SOLE 0 0 3,146
PROGRESSIVE CORP OHIO COM 743315103 660 8,929 SH   SOLE 0 0 8,929
PUBLIC SVC ENTERPRISE GROUP COM 744573106 471 10,519 SH   SOLE 0 0 10,519
QUALCOMM INC COM 747525103 341 5,112 SH   SOLE 0 0 5,112
ROPER TECHNOLOGIES INC COM 776696106 307 983 SH   SOLE 0 0 983
ROYAL BK CDA MONTREAL QUE COM 780087102 407 6,671 SH   SOLE 0 0 6,671
SALESFORCE COM INC COM 79466L302 433 3,016 SH   SOLE 0 0 3,016
SCHWAB CHARLES CORP NEW COM 808513105 280 8,286 SH   SOLE 0 0 8,286
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 6,433 106,328 SH   SOLE 0 0 106,328
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 1,265 28,106 SH   SOLE 0 0 28,106
SEAGATE TECHNOLOGY PLC SHS G7945M107 424 8,789 SH   SOLE 0 0 8,789
SHERWIN WILLIAMS CO COM 824348106 202 476 SH   SOLE 0 0 476
SPDR S&P 500 ETF TR TR UNIT 78462F103 809 3,137 SH   SOLE 0 0 3,137
SPDR SER TR BLOMBERG BRC INV 78468R200 304 10,385 SH   SOLE 0 0 10,385
SPDR SER TR BLOOMBERG SRT TR 78468R408 617 26,246 SH   SOLE 0 0 26,246
STRYKER CORP COM 863667101 254 1,607 SH   SOLE 0 0 1,607
SYSCO CORP COM 871829107 374 8,131 SH   SOLE 0 0 8,131
T MOBILE US INC COM 872590104 372 4,496 SH   SOLE 0 0 4,496
TEXAS INSTRS INC COM 882508104 324 3,237 SH   SOLE 0 0 3,237
THERMO FISHER SCIENTIFIC INC COM 883556102 286 1,012 SH   SOLE 0 0 1,012
ULTA BEAUTY INC COM 90384S303 263 1,483 SH   SOLE 0 0 1,483
UNION PAC CORP COM 907818108 474 3,308 SH   SOLE 0 0 3,308
UNITED STS COMMODITY INDEX F COMM IDX FND 911717106 699 26,891 SH   SOLE 0 0 26,891
UNITED TECHNOLOGIES CORP COM 913017109 264 2,771 SH   SOLE 0 0 2,771
UNITEDHEALTH GROUP INC COM 91324P102 3,604 14,783 SH   SOLE 0 0 14,783
V F CORP COM 918204108 299 5,591 SH   SOLE 0 0 5,591
VALERO ENERGY CORP NEW COM 91913Y100 725 16,068 SH   SOLE 0 0 16,068
VANGUARD BD INDEX FD INC SHORT TRM BOND 921937827 996 12,124 SH   SOLE 0 0 12,124
VANGUARD BD INDEX FD INC TOTAL BND MRKT 921937835 531 6,228 SH   SOLE 0 0 6,228
VANGUARD GROUP DIV APP ETF 921908844 561 5,443 SH   SOLE 0 0 5,443
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 290 1,230 SH   SOLE 0 0 1,230
VANGUARD INDEX FDS MID CAP ETF 922908629 1,917 14,381 SH   SOLE 0 0 14,381
VANGUARD INDEX FDS GROWTH ETF 922908736 610 3,888 SH   SOLE 0 0 3,888
VANGUARD INDEX FDS VALUE ETF 922908744 455 5,067 SH   SOLE 0 0 5,067
VANGUARD INDEX FDS TOTAL STK MKT 922908769 1,377 10,636 SH   SOLE 0 0 10,636
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 1,116 33,163 SH   SOLE 0 0 33,163
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 1,490 18,850 SH   SOLE 0 0 18,850
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 746 8,593 SH   SOLE 0 0 8,593
VERIZON COMMUNICATIONS INC COM 92343V104 365 6,781 SH   SOLE 0 0 6,781
VISA INC COM CL A 92826C839 2,785 17,294 SH   SOLE 0 0 17,294
WALMART INC COM 931142103 307 2,726 SH   SOLE 0 0 2,726
WASTE MGMT INC DEL COM 94106L109 411 4,369 SH   SOLE 0 0 4,369
WELLTOWER INC COM 95040Q104 2,151 46,811 SH   SOLE 0 0 46,811
XCEL ENERGY INC COM 98389B100 231 3,899 SH   SOLE 0 0 3,899
XILINX INC COM 983919101 549 7,025 SH   SOLE 0 0 7,025
ZOETIS INC CL A 98978V103 407 3,475 SH   SOLE 0 0 3,475