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
3M CO COM 88579Y101 371 1,759 SH   SOLE   0 0 1,759
ABBOTT LABS COM 002824100 359 4,891 SH   SOLE   0 0 4,891
ABBVIE INC COM 00287Y109 480 5,075 SH   SOLE   0 0 5,075
AIR PRODS & CHEMS INC COM 009158106 251 1,500 SH   SOLE   0 0 1,500
ALPHABET INC CAP STK CL A 02079K305 582 482 SH   SOLE   0 0 482
ALPHABET INC CAP STK CL C 02079K107 522 437 SH   SOLE   0 0 437
AMAZON COM INC COM 023135106 833 416 SH   SOLE   0 0 416
AMGEN INC COM 031162100 717 3,458 SH   SOLE   0 0 3,458
AON PLC SHS CL A G0408V102 335 2,178 SH   SOLE   0 0 2,178
APPLE INC COM 037833100 7,807 34,583 SH   SOLE   0 0 34,583
AQUANTIA CORP COM 03842Q108 892 69,750 SH   SOLE   0 0 69,750
AT&T INC COM 00206R102 775 23,082 SH   SOLE   0 0 23,082
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,016 4,743 SH   SOLE   0 0 4,743
BOEING CO COM 097023105 698 1,877 SH   SOLE   0 0 1,877
BP PLC SPONSORED ADR 055622104 553 12,000 SH   SOLE   0 0 12,000
BRISTOL MYERS SQUIBB CO COM 110122108 568 9,150 SH   SOLE   0 0 9,150
CATERPILLAR INC DEL COM 149123101 579 3,800 SH   SOLE   0 0 3,800
CHEVRON CORP NEW COM 166764100 1,281 10,477 SH   SOLE   0 0 10,477
CHIMERA INVT CORP COM NEW 16934Q208 181 10,000 SH   SOLE   0 0 10,000
CISCO SYS INC COM 17275R102 252 5,174 SH   SOLE   0 0 5,174
CITIGROUP INC COM NEW 172967424 321 4,481 SH   SOLE   0 0 4,481
CODEXIS INC COM 192005106 172 10,000 SH   SOLE   0 0 10,000
COLGATE PALMOLIVE CO COM 194162103 429 6,412 SH   SOLE   0 0 6,412
COMCAST CORP NEW CL A 20030N101 228 6,425 SH   SOLE   0 0 6,425
COSTCO WHSL CORP NEW COM 22160K105 347 1,477 SH   SOLE   0 0 1,477
CSX CORP COM 126408103 506 6,829 SH   SOLE   0 0 6,829
DISNEY WALT CO COM DISNEY 254687106 2,543 21,744 SH   SOLE   0 0 21,744
EMERSON ELEC CO COM 291011104 405 5,293 SH   SOLE   0 0 5,293
EXXON MOBIL CORP COM 30231G102 1,192 14,018 SH   SOLE   0 0 14,018
FACEBOOK INC CL A 30303M102 390 2,369 SH   SOLE   0 0 2,369
FLUOR CORP NEW COM 343412102 226 3,888 SH   SOLE   0 0 3,888
FREEPORT-MCMORAN INC CL B 35671D857 190 13,631 SH   SOLE   0 0 13,631
GENERAL ELECTRIC CO COM 369604103 285 25,238 SH   SOLE   0 0 25,238
GILEAD SCIENCES INC COM 375558103 423 5,475 SH   SOLE   0 0 5,475
HOME DEPOT INC COM 437076102 232 1,122 SH   SOLE   0 0 1,122
INTEL CORP COM 458140100 994 21,013 SH   SOLE   0 0 21,013
INTERNATIONAL BUSINESS MACHS COM 459200101 410 2,709 SH   SOLE   0 0 2,709
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1500 46137V597 378 2,655 SH   SOLE   0 0 2,655
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 215 2,010 SH   SOLE   0 0 2,010
INVESCO QQQ TR UNIT SER 1 46090E103 40,869 219,975 SH   SOLE   0 0 219,975
ISHARES INC CORE MSCI EMKT 46434G103 13,628 263,198 SH   SOLE   0 0 263,198
ISHARES INC MSCI EM ESG OPZ 46434G863 643 19,275 SH   SOLE   0 0 19,275
ISHARES TR AGGRES ALLOC ETF 464289859 441 8,065 SH   SOLE   0 0 8,065
ISHARES TR CORE MSCI EAFE 46432F842 708 11,048 SH   SOLE   0 0 11,048
ISHARES TR CORE MSCI EURO 46434V738 2,756 57,469 SH   SOLE   0 0 57,469
ISHARES TR CORE MSCI PAC 46434V696 1,910 32,447 SH   SOLE   0 0 32,447
ISHARES TR CORE S&P MCP ETF 464287507 12,772 63,450 SH   SOLE   0 0 63,450
ISHARES TR CORE S&P TTL STK 464287150 228 3,427 SH   SOLE   0 0 3,427
ISHARES TR CORE S&P500 ETF 464287200 288 985 SH   SOLE   0 0 985
ISHARES TR CRE U S REIT ETF 464288521 275 5,678 SH   SOLE   0 0 5,678
ISHARES TR IBONDS DEC18 ETF 46434VAA8 837 33,334 SH   SOLE   0 0 33,334
ISHARES TR IBONDS DEC19 ETF 46434VAU4 1,020 41,111 SH   SOLE   0 0 41,111
ISHARES TR IBONDS DEC21 ETF 46434VBK5 1,471 60,388 SH   SOLE   0 0 60,388
ISHARES TR IBONDS DEC22 ETF 46434VBA7 1,671 68,660 SH   SOLE   0 0 68,660
ISHARES TR IBONDS DEC23 ETF 46434VAX8 501 20,600 SH   SOLE   0 0 20,600
ISHARES TR IBONDS MAR20 ETF 46432FBC0 814 31,381 SH   SOLE   0 0 31,381
ISHARES TR MODERT ALLOC ETF 464289875 266 7,032 SH   SOLE   0 0 7,032
ISHARES TR MORTGE REL ETF 46435G342 772 17,717 SH   SOLE   0 0 17,717
ISHARES TR MSCI LW CRB TG 46434V464 903 7,527 SH   SOLE   0 0 7,527
ISHARES TR MSCI USA ESG SLC 464288802 351 2,940 SH   SOLE   0 0 2,940
ISHARES TR RUS MDCP VAL ETF 464287473 366 4,050 SH   SOLE   0 0 4,050
ISHARES TR S&P US PFD STK 464288687 9,787 263,575 SH   SOLE   0 0 263,575
ISHARES TR SELECT DIVID ETF 464287168 375 3,759 SH   SOLE   0 0 3,759
ISHARES TR TIPS BD ETF 464287176 38,217 345,481 SH   SOLE   0 0 345,481
JOHNSON & JOHNSON COM 478160104 1,791 12,962 SH   SOLE   0 0 12,962
JPMORGAN CHASE & CO COM 46625H100 1,215 10,769 SH   SOLE   0 0 10,769
LOCKHEED MARTIN CORP COM 539830109 274 791 SH   SOLE   0 0 791
MACQUARIE INFRASTRUCTURE COR COM 55608B105 208 4,500 SH   SOLE   0 0 4,500
MERCK & CO INC COM 58933Y105 432 6,093 SH   SOLE   0 0 6,093
MICROSOFT CORP COM 594918104 1,884 16,470 SH   SOLE   0 0 16,470
NORFOLK SOUTHERN CORP COM 655844108 1,411 7,818 SH   SOLE   0 0 7,818
NVIDIA CORP COM 67066G104 1,321 4,701 SH   SOLE   0 0 4,701
ORACLE CORP COM 68389X105 857 16,623 SH   SOLE   0 0 16,623
PEPSICO INC COM 713448108 562 5,028 SH   SOLE   0 0 5,028
PFIZER INC COM 717081103 465 10,550 SH   SOLE   0 0 10,550
PHILIP MORRIS INTL INC COM 718172109 466 5,719 SH   SOLE   0 0 5,719
PNC FINL SVCS GROUP INC COM 693475105 240 1,760 SH   SOLE   0 0 1,760
POLARITYTE INC COM 731094108 432 22,628 SH   SOLE   0 0 22,628
PROCTER AND GAMBLE CO COM 742718109 582 6,995 SH   SOLE   0 0 6,995
PUBLIC STORAGE COM 74460D109 248 1,230 SH   SOLE   0 0 1,230
QUALCOMM INC COM 747525103 558 7,742 SH   SOLE   0 0 7,742
REGENERON PHARMACEUTICALS COM 75886F107 323 800 SH   SOLE   0 0 800
SCHLUMBERGER LTD COM 806857108 819 13,445 SH   SOLE   0 0 13,445
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 429 12,780 SH   SOLE   0 0 12,780
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 279 5,548 SH   SOLE   0 0 5,548
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 397 5,645 SH   SOLE   0 0 5,645
SHERWIN WILLIAMS CO COM 824348106 728 1,600 SH   SOLE   0 0 1,600
SMUCKER J M CO COM NEW 832696405 219 2,130 SH   SOLE   0 0 2,130
SPDR GOLD TRUST GOLD SHS 78463V107 872 7,732 SH   SOLE   0 0 7,732
SPDR INDEX SHS FDS EURO STOXX 50 78463X202 260 6,800 SH   SOLE   0 0 6,800
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 685 19,664 SH   SOLE   0 0 19,664
SPDR S&P 500 ETF TR TR UNIT 78462F103 77,172 265,452 SH   SOLE   0 0 265,452
SPDR SER TR NUVEEN BLMBRG SR 78468R739 443 9,292 SH   SOLE   0 0 9,292
SPDR SER TR NUVEEN BRC MUNIC 78468R721 17,757 373,982 SH   SOLE   0 0 373,982
SPDR SERIES TRUST PORTFOLIO AGRGTE 78464A649 2,381 85,912 SH   SOLE   0 0 85,912
SPDR SERIES TRUST PORTFOLIO LR ETF 78464A854 3,291 96,608 SH   SOLE   0 0 96,608
SPDR SERIES TRUST S&P DIVID ETF 78464A763 585 5,973 SH   SOLE   0 0 5,973
UNITED TECHNOLOGIES CORP COM 913017109 1,030 7,368 SH   SOLE   0 0 7,368
VANGUARD BD INDEX FD INC TOTAL BND MRKT 921937835 234 2,970 SH   SOLE   0 0 2,970
VANGUARD GROUP DIV APP ETF 921908844 636 5,741 SH   SOLE   0 0 5,741
VANGUARD INDEX FDS MID CAP ETF 922908629 377 2,298 SH   SOLE   0 0 2,298
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 21,993 272,599 SH   SOLE   0 0 272,599
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 1,496 5,602 SH   SOLE   0 0 5,602
VANGUARD INDEX FDS TOTAL STK MKT 922908769 210 1,403 SH   SOLE   0 0 1,403
VANGUARD INDEX FDS VALUE ETF 922908744 444 4,010 SH   SOLE   0 0 4,010
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 352 8,585 SH   SOLE   0 0 8,585
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 36,930 656,890 SH   SOLE   0 0 656,890
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 2,059 27,155 SH   SOLE   0 0 27,155
VANGUARD SCOTTSDALE FDS MORTG-BACK SEC 92206C771 209 4,104 SH   SOLE   0 0 4,104
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 31,731 733,315 SH   SOLE   0 0 733,315
VISA INC COM CL A 92826C839 1,210 8,061 SH   SOLE   0 0 8,061
WALGREENS BOOTS ALLIANCE INC COM 931427108 214 2,940 SH   SOLE   0 0 2,940
WELLS FARGO CO NEW COM 949746101 708 13,470 SH   SOLE   0 0 13,470
WISDOMTREE TR EM MKTS QTLY DIV 97717W323 310 12,956 SH   SOLE   0 0 12,956
WISDOMTREE TR JAPN HEDGE EQT 97717W851 14,347 247,581 SH   SOLE   0 0 247,581