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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
AMAZON COM INC COM Stock 023135106   353,724 4,211 SH   SOLE 0 130 0 4,081
TECHNOLOGY SELECT SECTOR SPDR FUND ETF 81369Y803   2,737,556 21,999 SH   SOLE 0 107 0 21,892
SPDR PORTFOLIO AGGREGATE BOND ETF ETF 78464A649   19,383,221 771,318 SH   SOLE 0 26,647 0 744,671
DOLLAR GEN CORP NEW COM Stock 256677105   246,250 1,000 SH   SOLE 0 1,000 0 0
SPDR PORTFOLIO S&P 500 HIGH DIVIDEND ETF ETF 78468R788   24,405,384 616,609 SH   SOLE 0 32,009 0 584,600
JOHNSON & JOHNSON COM Stock 478160104   538,783 3,050 SH   SOLE 0 1,012 0 2,038
VANGUARD ENERGY ETF ETF 92204A306   647,393 5,338 SH   SOLE 0 3,227 0 2,111
COSTCO WHSL CORP NEW COM Stock 22160K105   287,595 630 SH   SOLE 0 238 0 392
PROCTER AND GAMBLE CO COM Stock 742718109   203,545 1,343 SH   SOLE 0 762 0 581
COCA COLA CO COM Stock 191216100   1,498,016 23,550 SH   SOLE 0 3,612 0 19,938
FIRST TRUST MORNINGSTAR DIVIDEND LEADERS INDEX FUND ETF 336917109   314,197 8,594 SH   SOLE 0 0 0 8,594
ISHARES U.S. ENERGY ETF ETF 464287796   925,662 19,911 SH   SOLE 0 0 0 19,911
UNITED PARCEL SERVICE INC CL B Stock 911312106   200,438 1,153 SH   SOLE 0 100 0 1,053
INTEL CORP COM Stock 458140100   704,492 26,655 SH   SOLE 0 5,552 0 21,103
CLOROX CO DEL COM Stock 189054109   216,389 1,542 SH   SOLE 0 1,350 0 192
MERCK & CO INC COM Stock 58933Y105   1,189,495 10,721 SH   SOLE 0 981 0 9,740
ISHARES SHORT-TERM NATIONAL MUNI BOND ETF ETF 464288158   9,129,464 87,556 SH   SOLE 0 5,073 0 82,483
SPDR S&P 500 ETF TRUST ETF 78462F103   687,737 1,798 SH   SOLE 0 825 0 973
DIAGEO PLC SPON ADR NEW ADR 25243Q205   290,984 1,633 SH   SOLE 0 500 0 1,133
VANGUARD EXTENDED DURATION TREASURY ETF ETF 921910709   5,012,954 60,521 SH   SOLE 0 2,497 0 58,024
VERIZON COMMUNICATIONS INC COM Stock 92343V104   776,574 19,710 SH   SOLE 0 3,665 0 16,045
VANGUARD FTSE ALL-WORLD EX-US SMALL-CAP ETF ETF 922042718   363,947 3,540 SH   SOLE 0 97 0 3,443
PEPSICO INC COM Stock 713448108   600,333 3,323 SH   SOLE 0 1,296 0 2,027
KIMBERLY-CLARK CORP COM Stock 494368103   203,897 1,502 SH   SOLE 0 1,500 0 2
HOME DEPOT INC COM Stock 437076102   495,900 1,570 SH   SOLE 0 1,298 0 272
HEALTH CARE SELECT SECTOR SPDR FUND ETF 81369Y209   956,248 7,039 SH   SOLE 0 101 0 6,938
SPDR GOLD SHARES ETF 78463V107   234,782 1,384 SH   SOLE 0 0 0 1,384
SCHWAB U.S. SMALL-CAP ETF ETF 808524607   228,638 5,644 SH   SOLE 0 0 0 5,644
SCHWAB INTERNATIONAL EQUITY ETF ETF 808524805   485,984 15,088 SH   SOLE 0 1,760 0 13,328
SCHWAB U.S. LARGE-CAP ETF ETF 808524201   350,770 7,769 SH   SOLE 0 0 0 7,769
INVESCO BULLETSHARES 2027 CORPORATE BOND ETF ETF 46138J783   3,219,159 169,474 SH   SOLE 0 5,960 0 163,514
SPDR PORTFOLIO S&P 400 MID CAP ETF ETF 78464A847   258,018 6,071 SH   SOLE 0 0 0 6,071
ISHARES CORE S&P SMALL CAP ETF ETF 464287804   356,887 3,771 SH   SOLE 0 0 0 3,771
BERKSHIRE HATHAWAY INC DEL CL B NEW Stock 084670702   476,324 1,542 SH   SOLE 0 320 0 1,222
SCHWAB EMERGING MARKETS EQUITY ETF ETF 808524706   39,421,012 1,665,442 SH   SOLE 0 88,539 0 1,576,903
ALPHABET INC CAP STK CL A Stock 02079K305   340,568 3,860 SH   SOLE 0 40 0 3,820
MICROSOFT CORP COM Stock 594918104   978,466 4,080 SH   SOLE 0 497 0 3,583
INVESCO CEF INCOME COMPOSITE ETF ETF 46138E404   561,720 31,000 SH   SOLE 0 31,000 0 0
ISHARES MSCI BRAZIL ETF ETF 464286400   363,023 12,979 SH   SOLE 0 0 0 12,979
VANGUARD SMALL-CAP ETF ETF 922908751   60,262,789 328,336 SH   SOLE 0 19,091 0 309,245
VANGUARD MID-CAP ETF ETF 922908629   26,202,833 128,565 SH   SOLE 0 9,537 0 119,028
VANGUARD LARGE-CAP ETF ETF 922908637   66,631,500 382,500 SH   SOLE 0 20,533 0 361,967
NEXTERA ENERGY INC COM Stock 65339F101   626,498 7,494 SH   SOLE 0 26 0 7,468
SPDR S&P KENSHO NEW ECONOMIES COMPOSITE ETF ETF 78468R648   10,843,220 275,069 SH   SOLE 0 11,580 0 263,489
ISHARES MSCI EMERGING MARKETS EX CHINA ETF ETF 46434G764   365,092 7,691 SH   SOLE 0 0 0 7,691
NORFOLK SOUTHN CORP COM Stock 655844108   484,708 1,967 SH   SOLE 0 35 0 1,932
ALERIAN MLP ETF ETF 00162Q452   2,548,063 66,931 SH   SOLE 0 8,284 0 58,647
SCHWAB SHORT-TERM US TREASURY ETF ETF 808524862   19,479,601 403,806 SH   SOLE 0 14,095 0 389,711
WALGREENS BOOTS ALLIANCE INC COM Stock 931427108   580,799 15,546 SH   SOLE 0 2,483 0 13,063
DOW INC COM Stock 260557103   667,063 13,238 SH   SOLE 0 2,321 0 10,917
ISHARES MSCI BRAZIL SMALL-CAP ETF ETF 464289131   365,506 31,307 SH   SOLE 0 0 0 31,307
VANGUARD S&P 500 ETF ETF 922908363   720,247 2,050 SH   SOLE 0 500 0 1,550
ISHARES IBONDS DEC 2028 TERM MUNI BOND ETF ETF 46435U325   4,348,964 173,300 SH   SOLE 0 10,873 0 162,427
SPDR S&P MIDCAP 400 ETF TRUST ETF 78467Y107   279,843 632 SH   SOLE 0 0 0 632
ISHARES IBONDS DEC 2027 TERM MUNI BOND ETF ETF 46435U283   13,207,028 526,701 SH   SOLE 0 34,506 0 492,195
ISHARES 0-5 YEAR TIPS BOND ETF ETF 46429B747   12,989,925 133,972 SH   SOLE 0 4,683 0 129,289
SPDR S&P EMERGING MARKETS DIVIDEND ETF ETF 78463X533   4,189,392 174,558 SH   SOLE 0 31,135 0 143,423
VANGUARD MORTGAGE-BACKED SECURITIES ETF ETF 92206C771   16,044,252 352,466 SH   SOLE 0 12,208 0 340,258
ISHARES RUSSELL 2000 ETF ETF 464287655   416,023 2,386 SH   SOLE 0 20 0 2,366
ISHARES SELECT DIVIDEND ETF ETF 464287168   630,617 5,229 SH   SOLE 0 2,449 0 2,780
VANGUARD SMALL CAP VALUE ETF ETF 922908611   2,350,875 14,804 SH   SOLE 0 0 0 14,804
VANGUARD MID-CAP GROWTH ETF ETF 922908538   720,478 4,008 SH   SOLE 0 0 0 4,008
VISA INC COM CL A Stock 92826C839   647,172 3,115 SH   SOLE 0 1,483 0 1,632
VANGUARD SMALL-CAP GROWTH ETF ETF 922908595   513,382 2,560 SH   SOLE 0 0 0 2,560
VANGUARD VALUE ETF ETF 922908744   19,710,054 140,415 SH   SOLE 0 644 0 139,771
VANGUARD GROWTH ETF ETF 922908736   13,723,005 64,394 SH   SOLE 0 291 0 64,103
GLOBAL X MLP ETF ETF 37954Y343   213,345 5,167 SH   SOLE 0 5,167 0 0
ALPS SECTOR DIVIDEND DOGS ETF ETF 00162Q858   1,042,534 20,267 SH   SOLE 0 3,320 0 16,947
MONDELEZ INTL INC CL A Stock 609207105   212,014 3,181 SH   SOLE 0 1,000 0 2,181
CUMMINS INC COM Stock 231021106   266,761 1,101 SH   SOLE 0 1,000 0 101
SPDR S&P METALS & MINING ETF ETF 78464A755   1,223,234 24,558 SH   SOLE 0 0 0 24,558
ISHARES CORE MSCI EMERGING MARKETS ETF ETF 46434G103   358,236 7,671 SH   SOLE 0 0 0 7,671
ETFMG PRIME JUNIOR SILVER MINERS ETFMG PRIME JUNIOR SILVER MINERS FUND ETF 26924G102   392,397 37,194 SH   SOLE 0 5,882 0 31,312
RESMED INC COM Stock 761152107   208,130 1,000 SH   SOLE 0 1,000 0 0
MCDONALDS CORP COM Stock 580135101   866,223 3,287 SH   SOLE 0 1,607 0 1,680
GLOBAL X URANIUM ETF ETF 37954Y871   11,100,124 552,795 SH   SOLE 0 23,298 0 529,497
ISHARES MSCI FRONTIER AND SELECT EM ETF ETF 464286145   653,433 25,655 SH   SOLE 0 0 0 25,655
VANECK JUNIOR GOLD MINERS ETF ETF 92189F791   21,627,037 606,649 SH   SOLE 0 31,930 0 574,719
CONSUMER DISCRETIONARY SELECT SECTOR SPDR FUND ETF 81369Y407   826,107 6,396 SH   SOLE 0 102 0 6,294
INVESCO S&P ULTRA DIVIDEND REVENUE ETF ETF 46138G656   3,343,736 76,744 SH   SOLE 0 7,858 0 68,886
FIDELITY MSCI ENERGY INDEX ETF ETF 316092402   243,836 10,228 SH   SOLE 0 0 0 10,228
SPDR PORTFOLIO S&P 600 SMALL CAP ETF ETF 78468R853   675,109 18,261 SH   SOLE 0 0 0 18,261
UNION PAC CORP COM Stock 907818108   1,098,092 5,303 SH   SOLE 0 1,000 0 4,303
VANGUARD MID-CAP VALUE ETF ETF 922908512   732,595 5,417 SH   SOLE 0 0 0 5,417
JPMORGAN CHASE & CO COM Stock 46625H100   699,600 5,217 SH   SOLE 0 824 0 4,393
SPDR PORTFOLIO EMERGING MARKETS ETF ETF 78463X509   310,615 9,424 SH   SOLE 0 0 0 9,424
CHEVRON CORP NEW COM Stock 166764100   742,730 4,138 SH   SOLE 0 874 0 3,264
ISHARES NATIONAL MUNI BOND ETF ETF 464288414   9,071,765 85,972 SH   SOLE 0 5,827 0 80,145
VANGUARD FTSE DEVELOPED MARKETS ETF ETF 921943858   52,489,864 1,250,652 SH   SOLE 0 67,742 0 1,182,910
M & T BK CORP COM Stock 55261F104   201,633 1,390 SH   SOLE 0 0 0 1,390
BANK AMERICA CORP COM Stock 060505104   226,210 6,830 SH   SOLE 0 0 0 6,830
SPDR S&P DIVIDEND ETF ETF 78464A763   415,741 3,323 SH   SOLE 0 875 0 2,448
ISHARES INTERNATIONAL SELECT DIVIDEND ETF ETF 464288448   5,079,518 187,022 SH   SOLE 0 21,976 0 165,046
INTERNATIONAL BUSINESS MACHS COM Stock 459200101   689,657 4,895 SH   SOLE 0 734 0 4,161
ORACLE CORP COM Stock 68389X105   359,084 4,393 SH   SOLE 0 185 0 4,208
VANGUARD FTSE EMERGING MARKETS ETF ETF 922042858   2,827,687 72,542 SH   SOLE 0 0 0 72,542
VANGUARD HIGH DIVIDEND YIELD INDEX ETF ETF 921946406   23,264,717 214,996 SH   SOLE 0 24,008 0 190,988
PFIZER INC COM Stock 717081103   391,525 7,641 SH   SOLE 0 1,970 0 5,671
ISHARES IBOXX $ INVESTMENT GRADE CORPORATE BOND ETF ETF 464287242   6,438,821 61,072 SH   SOLE 0 2,133 0 58,939
3M CO COM Stock 88579Y101   681,026 5,679 SH   SOLE 0 1,301 0 4,378
CATERPILLAR INC COM Stock 149123101   360,298 1,504 SH   SOLE 0 1,500 0 4
ALPHABET INC CAP STK CL C Stock 02079K107   458,024 5,162 SH   SOLE 0 2,180 0 2,982
SPDR SSGA ULTRA SHORT TERM BOND ETF ETF 78467V707   3,255,579 81,420 SH   SOLE 0 2,852 0 78,568
AMGEN INC COM Stock 031162100   782,930 2,981 SH   SOLE 0 890 0 2,091
VANECK SHORT HIGH YIELD MUNI ETF ETF 92189F387   1,385,506 62,214 SH   SOLE 0 74 0 62,140
ALERIAN ENERGY INFRASTRUCTURE ETF ETF 00162Q676   389,429 18,404 SH   SOLE 0 1,511 0 16,893
ISHARES CORE U.S. AGGREGATE BOND ETF ETF 464287226   704,244 7,261 SH   SOLE 0 261 0 7,000
SPDR PORTFOLIO S&P 500 ETF ETF 78464A854   933,605 20,756 SH   SOLE 0 0 0 20,756
ISHARES S&P SMALL-CAP 600 VALUE ETF ETF 464287879   17,415,191 190,726 SH   SOLE 0 10,881 0 179,845
ISHARES S&P MID-CAP 400 GROWTH ETF ETF 464287606   690,240 10,106 SH   SOLE 0 0 0 10,106
ISHARES S&P MID-CAP 400 VALUE ETF ETF 464287705   321,955 3,194 SH   SOLE 0 0 0 3,194
INVESCO BULLETSHARES 2024 CORPORATE BOND ETF ETF 46138J841   3,275,567 159,900 SH   SOLE 0 6,652 0 153,248
VANGUARD SHORT-TERM BOND ETF ETF 921937827   19,433,457 258,149 SH   SOLE 0 9,067 0 249,082
VANGUARD MEGA CAP ETF ETF 921910873   1,171,872 8,851 SH   SOLE 0 0 0 8,851
BRISTOL-MYERS SQUIBB CO COM Stock 110122108   237,651 3,303 SH   SOLE 0 1,000 0 2,303
SPDR S&P INTERNATIONAL DIVIDEND ETF ETF 78463X772   783,340 24,237 SH   SOLE 0 15,391 0 8,846
EXXON MOBIL CORP COM Stock 30231G102   1,138,737 10,324 SH   SOLE 0 1,000 0 9,324
UNITEDHEALTH GROUP INC COM Stock 91324P102   317,048 598 SH   SOLE 0 37 0 561
LOWES COS INC COM Stock 548661107   640,955 3,217 SH   SOLE 0 0 0 3,217
COLGATE PALMOLIVE CO COM Stock 194162103   364,483 4,626 SH   SOLE 0 2,000 0 2,626
SPDR PORTFOLIO DEVELOPED WORLD EX-US ETF ETF 78463X889   4,951,015 166,757 SH   SOLE 0 22,304 0 144,453
ISHARES CORE S&P MID-CAP ETF ETF 464287507   202,946 839 SH   SOLE 0 0 0 839
VANGUARD TAX-EXEMPT BOND ETF ETF 922907746   13,724,022 277,309 SH   SOLE 0 28,022 0 249,287
ISHARES MSCI EAFE ETF ETF 464287465   15,895,908 242,168 SH   SOLE 0 1,094 0 241,074
APPLE INC COM Stock 037833100   1,581,248 12,170 SH   SOLE 0 3,500 0 8,670