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
ABBVIE INC COM 00287Y109 289 3,790 SH   SOLE NONE 0 0 3,790
ALPHABET INC CAP STK CL C 02079K107 514 442 SH   SOLE NONE 0 0 442
ALPHABET INC CAP STK CL A 02079K305 432 372 SH   SOLE NONE 0 0 372
AMAZON COM INC COM 023135106 1,536 788 SH   SOLE NONE 0 0 788
APPLE INC COM 037833100 13,102 51,523 SH   SOLE NONE 0 0 51,523
BARINGS CORPORATE INVS COM 06759X107 151 13,000 SH   SOLE NONE 0 0 13,000
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,368 7,480 SH   SOLE NONE 0 0 7,480
BLACKSTONE GROUP INC COM CL A 09260D107 641 14,065 SH   SOLE NONE 0 0 14,065
CARMAX INC COM 143130102 235 4,373 SH   SOLE NONE 0 0 4,373
CITIZENS FINANCIAL GROUP INC COM 174610105 1,505 80,000 SH   SOLE NONE 0 0 80,000
COMCAST CORP NEW CL A 20030N101 903 26,261 SH   SOLE NONE 0 0 26,261
COSTCO WHSL CORP NEW COM 22160K105 329 1,155 SH   SOLE NONE 0 0 1,155
CREDIT ACCEP CORP MICH COM 225310101 226 882 SH   SOLE NONE 0 0 882
CSX CORP COM 126408103 221 3,865 SH   SOLE NONE 0 0 3,865
DISNEY WALT CO COM DISNEY 254687106 401 4,146 SH   SOLE NONE 0 0 4,146
EXXON MOBIL CORP COM 30231G102 680 17,900 SH   SOLE NONE 0 0 17,900
FACEBOOK INC CL A 30303M102 206 1,233 SH   SOLE NONE 0 0 1,233
GENERAL ELECTRIC CO COM 369604103 503 63,355 SH   SOLE NONE 0 0 63,355
GLOBAL X FDS GLB X MLP ENRG I 37950E226 2,925 476,431 SH   SOLE NONE 0 0 476,431
HERSHEY CO COM 427866108 374 2,823 SH   SOLE NONE 0 0 2,823
HOME DEPOT INC COM 437076102 714 3,823 SH   SOLE NONE 0 0 3,823
HONEYWELL INTL INC COM 438516106 351 2,621 SH   SOLE NONE 0 0 2,621
INTEL CORP COM 458140100 220 4,057 SH   SOLE NONE 0 0 4,057
INTERNATIONAL BUSINESS MACHS COM 459200101 203 1,826 SH   SOLE NONE 0 0 1,826
INVESCO EXCH TRD SLF IDX FD BULSHS 2021 CB 46138J700 314 14,991 SH   SOLE NONE 0 0 14,991
INVESCO EXCH TRD SLF IDX FD BULSHS 2022 CB 46138J882 1,665 78,603 SH   SOLE NONE 0 0 78,603
INVESCO EXCH TRD SLF IDX FD BULSHS 2023 CB 46138J866 5,398 260,438 SH   SOLE NONE 0 0 260,438
INVESCO EXCH TRD SLF IDX FD BULSHS 2024 CB 46138J841 6,742 326,469 SH   SOLE NONE 0 0 326,469
INVESCO EXCH TRD SLF IDX FD BULSHS 2025 CB 46138J825 3,089 150,177 SH   SOLE NONE 0 0 150,177
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613 15,960 172,653 SH   SOLE NONE 0 0 172,653
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 819 9,750 SH   SOLE NONE 0 0 9,750
INVESCO EXCHANGE-TRADED FD T FTSE RAFI SML 46138E735 582 25,208 SH   SOLE NONE 0 0 25,208
INVESCO EXCHANGE-TRADED FD T S&P 500 REVENUE 46138G698 8,026 182,776 SH   SOLE NONE 0 0 182,776
INVESCO EXCHANGE-TRADED FD T S&P MDCP 400 REV 46138G672 552 13,433 SH   SOLE NONE 0 0 13,433
INVESCO EXCHANGE-TRADED FD T S&P SMALLCAP 600 46138G664 469 11,178 SH   SOLE NONE 0 0 11,178
INVESCO EXCHANGE-TRADED FD T S&P500 LOW VOL 46138E354 4,030 85,906 SH   SOLE NONE 0 0 85,906
INVESCO EXCHANGE-TRADED FD T VAR RATE PFD 46138G870 1,615 75,242 SH   SOLE NONE 0 0 75,242
INVESCO QQQ TR UNIT SER 1 46090E103 378 1,983 SH   SOLE NONE 0 0 1,983
ISHARES INC CORE MSCI EMKT 46434G103 985 24,331 SH   SOLE NONE 0 0 24,331
ISHARES TR CORE HIGH DV ETF 46429B663 1,386 19,365 SH   SOLE NONE 0 0 19,365
ISHARES TR CORE MSCI EAFE 46432F842 4,200 84,184 SH   SOLE NONE 0 0 84,184
ISHARES TR CORE MSCI TOTAL 46432F834 631 13,424 SH   SOLE NONE 0 0 13,424
ISHARES TR CORE S&P MCP ETF 464287507 21,246 147,680 SH   SOLE NONE 0 0 147,680
ISHARES TR CORE S&P SCP ETF 464287804 13,989 249,312 SH   SOLE NONE 0 0 249,312
ISHARES TR CORE S&P500 ETF 464287200 78,578 304,093 SH   SOLE NONE 0 0 304,093
ISHARES TR EAFE SML CP ETF 464288273 535 11,929 SH   SOLE NONE 0 0 11,929
ISHARES TR IBONDS DEC 46435U697 254 9,710 SH   SOLE NONE 0 0 9,710
ISHARES TR IBONDS DEC2022 46435G755 264 10,159 SH   SOLE NONE 0 0 10,159
ISHARES TR IBONDS DEC2023 46435G318 315 12,269 SH   SOLE NONE 0 0 12,269
ISHARES TR INTL SEL DIV ETF 464288448 2,510 111,083 SH   SOLE NONE 0 0 111,083
ISHARES TR MIN VOL EAFE ETF 46429B689 8,927 143,865 SH   SOLE NONE 0 0 143,865
ISHARES TR MSCI EAFE ETF 464287465 1,387 25,944 SH   SOLE NONE 0 0 25,944
ISHARES TR MSCI EMG MKT ETF 464287234 356 10,439 SH   SOLE NONE 0 0 10,439
ISHARES TR MSCI MIN VOL ETF 46429B697 14,531 269,039 SH   SOLE NONE 0 0 269,039
ISHARES TR PHLX SEMICND ETF 464287523 903 4,400 SH   SOLE NONE 0 0 4,400
ISHARES TR RUS 1000 ETF 464287622 2,829 19,991 SH   SOLE NONE 0 0 19,991
ISHARES TR RUS MID CAP ETF 464287499 409 9,476 SH   SOLE NONE 0 0 9,476
ISHARES TR RUSSELL 2000 ETF 464287655 4,103 35,843 SH   SOLE NONE 0 0 35,843
ISHARES TR S&P 100 ETF 464287101 818 6,895 SH   SOLE NONE 0 0 6,895
ISHARES TR SELECT DIVID ETF 464287168 2,984 40,572 SH   SOLE NONE 0 0 40,572
ISHARES TR TIPS BD ETF 464287176 1,484 12,581 SH   SOLE NONE 0 0 12,581
ISHARES U S ETF TR SHT MAT BD ETF 46431W507 15,373 317,043 SH   SOLE NONE 0 0 317,043
J P MORGAN EXCHANGE-TRADED F ULTRA SHRT INC 46641Q837 10,422 209,815 SH   SOLE NONE 0 0 209,815
JACOBS ENGR GROUP INC COM 469814107 280 3,533 SH   SOLE NONE 0 0 3,533
JOHNSON & JOHNSON COM 478160104 1,162 8,863 SH   SOLE NONE 0 0 8,863
JPMORGAN CHASE & CO COM 46625H100 678 7,532 SH   SOLE NONE 0 0 7,532
MASTERCARD INC CL A 57636Q104 1,437 5,949 SH   SOLE NONE 0 0 5,949
MERCK & CO. INC COM 58933Y105 335 4,351 SH   SOLE NONE 0 0 4,351
MICROSOFT CORP COM 594918104 2,645 16,769 SH   SOLE NONE 0 0 16,769
O REILLY AUTOMOTIVE INC NEW COM 67103H107 247 819 SH   SOLE NONE 0 0 819
PEPSICO INC COM 713448108 569 4,736 SH   SOLE NONE 0 0 4,736
PFIZER INC COM 717081103 406 12,432 SH   SOLE NONE 0 0 12,432
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 749 7,563 SH   SOLE NONE 0 0 7,563
PJT PARTNERS INC COM CL A 69343T107 5,414 124,770 SH   SOLE NONE 0 0 124,770
PPG INDS INC COM 693506107 279 3,342 SH   SOLE NONE 0 0 3,342
PROCTER & GAMBLE CO COM 742718109 380 3,454 SH   SOLE NONE 0 0 3,454
QUICKLOGIC CORP COM NEW 74837P405 294 103,571 SH   SOLE NONE 0 0 103,571
ROSS STORES INC COM 778296103 889 10,219 SH   SOLE NONE 0 0 10,219
ROYAL BK CDA COM 780087102 725 11,696 SH   SOLE NONE 0 0 11,696
SCHWAB CHARLES CORP COM 808513105 228 6,791 SH   SOLE NONE 0 0 6,791
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 403 15,588 SH   SOLE NONE 0 0 15,588
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 324 4,072 SH   SOLE NONE 0 0 4,072
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 216 2,682 SH   SOLE NONE 0 0 2,682
SPDR S&P 500 ETF TR TR UNIT 78462F103 34,720 134,702 SH   SOLE NONE 0 0 134,702
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 12,648 48,113 SH   SOLE NONE 0 0 48,113
SPDR SER TR S&P 600 SMCP GRW 78464A201 6,714 145,391 SH   SOLE NONE 0 0 145,391
SPDR SER TR S&P 600 SMCP VAL 78464A300 10,929 267,483 SH   SOLE NONE 0 0 267,483
SPDR SER TR PRTFLO S&P500 GW 78464A409 16,611 464,766 SH   SOLE NONE 0 0 464,766
SPDR SER TR FTSE INT GVT ETF 78464A490 220 4,500 SH   SOLE NONE 0 0 4,500
SPDR SER TR PRTFLO S&P500 VL 78464A508 16,286 630,258 SH   SOLE NONE 0 0 630,258
SPDR SER TR S&P DIVID ETF 78464A763 17,579 220,116 SH   SOLE NONE 0 0 220,116
SPDR SER TR S&P 400 MDCP GRW 78464A821 11,001 256,912 SH   SOLE NONE 0 0 256,912
SPDR SER TR S&P 400 MDCP VAL 78464A839 10,704 303,581 SH   SOLE NONE 0 0 303,581
TJX COS INC NEW COM 872540109 573 11,986 SH   SOLE NONE 0 0 11,986
VANGUARD ADMIRAL FDS INC SMLLCP 600 IDX 921932828 560 5,467 SH   SOLE NONE 0 0 5,467
VANGUARD ADMIRAL FDS INC MIDCP 400 IDX 921932885 783 8,044 SH   SOLE NONE 0 0 8,044
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 461 5,610 SH   SOLE NONE 0 0 5,610
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 206 2,537 SH   SOLE NONE 0 0 2,537
VANGUARD INDEX FDS SM CP VAL ETF 922908611 233 2,619 SH   SOLE NONE 0 0 2,619
VANGUARD INDEX FDS SML CP GRW ETF 922908595 239 1,589 SH   SOLE NONE 0 0 1,589
VANGUARD INDEX FDS VALUE ETF 922908744 239 2,683 SH   SOLE NONE 0 0 2,683
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 271 2,143 SH   SOLE NONE 0 0 2,143
VANGUARD INDEX FDS GROWTH ETF 922908736 297 1,893 SH   SOLE NONE 0 0 1,893
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 326 3,600 SH   SOLE NONE 0 0 3,600
VANGUARD INDEX FDS SMALL CP ETF 922908751 928 8,039 SH   SOLE NONE 0 0 8,039
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 2,130 8,996 SH   SOLE NONE 0 0 8,996
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 3,904 55,892 SH   SOLE NONE 0 0 55,892
VANGUARD INDEX FDS TOTAL STK MKT 922908769 4,266 33,093 SH   SOLE NONE 0 0 33,093
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 335 4,284 SH   SOLE NONE 0 0 4,284
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 383 8,840 SH   SOLE NONE 0 0 8,840
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 1,523 45,383 SH   SOLE NONE 0 0 45,383
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 1,909 46,547 SH   SOLE NONE 0 0 46,547
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 38,964 799,755 SH   SOLE NONE 0 0 799,755
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 668 6,463 SH   SOLE NONE 0 0 6,463
VANGUARD STAR FDS VG TL INTL STK F 921909768 1,386 33,042 SH   SOLE NONE 0 0 33,042
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 6,118 183,508 SH   SOLE NONE 0 0 183,508
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 591 8,347 SH   SOLE NONE 0 0 8,347
VISA INC COM CL A 92826C839 212 1,318 SH   SOLE NONE 0 0 1,318
WESTERN ASSET EMERGING MKTS COM 95766A101 201 19,081 SH   SOLE NONE 0 0 19,081
WISDOMTREE TR EMER MKT HIGH FD 97717W315 362 11,226 SH   SOLE NONE 0 0 11,226