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 209 2,283 SH   SOLE NONE 0 0 2,283
ABBVIE INC COM 00287Y109 372 3,790 SH   SOLE NONE 0 0 3,790
ALPHABET INC CAP STK CL C 02079K107 642 454 SH   SOLE NONE 0 0 454
ALPHABET INC CAP STK CL A 02079K305 482 340 SH   SOLE NONE 0 0 340
AMAZON COM INC COM 023135106 2,723 987 SH   SOLE NONE 0 0 987
APPLE INC COM 037833100 18,244 50,012 SH   SOLE NONE 0 0 50,012
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,289 7,222 SH   SOLE NONE 0 0 7,222
BLACKSTONE GROUP INC COM CL A 09260D107 797 14,065 SH   SOLE NONE 0 0 14,065
CARMAX INC COM 143130102 327 3,648 SH   SOLE NONE 0 0 3,648
CISCO SYS INC COM 17275R102 210 4,500 SH   SOLE NONE 0 0 4,500
CITIZENS FINANCIAL GROUP INC COM 174610105 3,675 145,588 SH   SOLE NONE 0 0 145,588
COMCAST CORP NEW CL A 20030N101 1,012 25,958 SH   SOLE NONE 0 0 25,958
COSTCO WHSL CORP NEW COM 22160K105 327 1,080 SH   SOLE NONE 0 0 1,080
CREDIT ACCEP CORP MICH COM 225310101 370 882 SH   SOLE NONE 0 0 882
DATADOG INC CL A COM 23804L103 29,680 341,347 SH   SOLE NONE 0 0 341,347
DISNEY WALT CO COM DISNEY 254687106 445 3,993 SH   SOLE NONE 0 0 3,993
EXXON MOBIL CORP COM 30231G102 727 16,254 SH   SOLE NONE 0 0 16,254
FACEBOOK INC CL A 30303M102 282 1,242 SH   SOLE NONE 0 0 1,242
GENERAL ELECTRIC CO COM 369604103 429 62,835 SH   SOLE NONE 0 0 62,835
HERSHEY CO COM 427866108 340 2,623 SH   SOLE NONE 0 0 2,623
HOME DEPOT INC COM 437076102 929 3,707 SH   SOLE NONE 0 0 3,707
HONEYWELL INTL INC COM 438516106 362 2,502 SH   SOLE NONE 0 0 2,502
INTEL CORP COM 458140100 227 3,790 SH   SOLE NONE 0 0 3,790
INVESCO QQQ TR UNIT SER 1 46090E103 555 2,243 SH   SOLE NONE 0 0 2,243
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 585 5,750 SH   SOLE NONE 0 0 5,750
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613 17,138 158,227 SH   SOLE NONE 0 0 158,227
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354 3,995 80,406 SH   SOLE NONE 0 0 80,406
INVESCO EXCH TRADED FD TR II FTSE RAFI SML 46138E735 666 24,276 SH   SOLE NONE 0 0 24,276
INVESCO EXCH TRADED FD TR II FTSE RAFI DEV 46138E743 200 5,773 SH   SOLE NONE 0 0 5,773
INVESCO EXCHANGE-TRADED FD T S&P SMALLCAP 600 46138G664 549 10,013 SH   SOLE NONE 0 0 10,013
INVESCO EXCHANGE-TRADED FD T S&P MDCP 400 REV 46138G672 691 13,433 SH   SOLE NONE 0 0 13,433
INVESCO EXCHANGE-TRADED FD T S&P 500 REVENUE 46138G698 9,206 179,990 SH   SOLE NONE 0 0 179,990
INVESCO EXCHANGE-TRADED FD T VAR RATE PFD 46138G870 1,603 68,409 SH   SOLE NONE 0 0 68,409
INVESCO EXCH TRD SLF IDX FD BULSHS 2021 CB 46138J700 320 14,991 SH   SOLE NONE 0 0 14,991
INVESCO EXCH TRD SLF IDX FD BULSHS 2025 CB 46138J825 3,017 135,777 SH   SOLE NONE 0 0 135,777
INVESCO EXCH TRD SLF IDX FD BULSHS 2024 CB 46138J841 6,898 312,958 SH   SOLE NONE 0 0 312,958
INVESCO EXCH TRD SLF IDX FD BULSHS 2023 CB 46138J866 5,631 258,771 SH   SOLE NONE 0 0 258,771
INVESCO EXCH TRD SLF IDX FD BULSHS 2022 CB 46138J882 1,713 78,513 SH   SOLE NONE 0 0 78,513
ISHARES TR S&P 100 ETF 464287101 982 6,895 SH   SOLE NONE 0 0 6,895
ISHARES TR SELECT DIVID ETF 464287168 2,992 37,072 SH   SOLE NONE 0 0 37,072
ISHARES TR TIPS BD ETF 464287176 1,416 11,514 SH   SOLE NONE 0 0 11,514
ISHARES TR CORE S&P500 ETF 464287200 101,518 327,806 SH   SOLE NONE 0 0 327,806
ISHARES TR MSCI EMG MKT ETF 464287234 417 10,439 SH   SOLE NONE 0 0 10,439
ISHARES TR S&P 500 VAL ETF 464287408 222 2,055 SH   SOLE NONE 0 0 2,055
ISHARES TR MSCI EAFE ETF 464287465 1,457 23,944 SH   SOLE NONE 0 0 23,944
ISHARES TR RUS MID CAP ETF 464287499 508 9,476 SH   SOLE NONE 0 0 9,476
ISHARES TR CORE S&P MCP ETF 464287507 23,183 130,374 SH   SOLE NONE 0 0 130,374
ISHARES TR PHLX SEMICND ETF 464287523 1,192 4,400 SH   SOLE NONE 0 0 4,400
ISHARES TR RUS 1000 GRW ETF 464287614 238 1,240 SH   SOLE NONE 0 0 1,240
ISHARES TR RUS 1000 ETF 464287622 3,532 20,571 SH   SOLE NONE 0 0 20,571
ISHARES TR RUS 2000 VAL ETF 464287630 1,209 12,406 SH   SOLE NONE 0 0 12,406
ISHARES TR RUSSELL 2000 ETF 464287655 4,517 31,548 SH   SOLE NONE 0 0 31,548
ISHARES TR CORE S&P SCP ETF 464287804 16,525 241,990 SH   SOLE NONE 0 0 241,990
ISHARES TR EAFE SML CP ETF 464288273 640 11,929 SH   SOLE NONE 0 0 11,929
ISHARES TR CORE HIGH DV ETF 46429B663 1,572 19,372 SH   SOLE NONE 0 0 19,372
ISHARES TR MIN VOL EAFE ETF 46429B689 10,007 151,487 SH   SOLE NONE 0 0 151,487
ISHARES TR MSCI MIN VOL ETF 46429B697 16,583 273,507 SH   SOLE NONE 0 0 273,507
ISHARES U S ETF TR SHT MAT BD ETF 46431W507 15,514 310,224 SH   SOLE NONE 0 0 310,224
ISHARES TR CORE MSCI TOTAL 46432F834 732 13,424 SH   SOLE NONE 0 0 13,424
ISHARES TR CORE MSCI EAFE 46432F842 5,722 100,100 SH   SOLE NONE 0 0 100,100
ISHARES INC CORE MSCI EMKT 46434G103 1,515 31,818 SH   SOLE NONE 0 0 31,818
ISHARES TR IBONDS DEC2023 46435G318 322 12,269 SH   SOLE NONE 0 0 12,269
ISHARES TR IBONDS DEC2022 46435G755 251 9,499 SH   SOLE NONE 0 0 9,499
ISHARES TR IBONDS DEC 46435U697 253 9,380 SH   SOLE NONE 0 0 9,380
JPMORGAN CHASE & CO COM 46625H100 679 7,216 SH   SOLE NONE 0 0 7,216
J P MORGAN EXCHANGE-TRADED F ULTRA SHT MUNCPL 46641Q654 853 16,725 SH   SOLE NONE 0 0 16,725
J P MORGAN EXCHANGE-TRADED F ULTRA SHRT INC 46641Q837 60,779 1,198,084 SH   SOLE NONE 0 0 1,198,084
JACOBS ENGR GROUP INC COM 469814107 300 3,533 SH   SOLE NONE 0 0 3,533
JOHNSON & JOHNSON COM 478160104 1,289 9,163 SH   SOLE NONE 0 0 9,163
MASTERCARD INCORPORATED CL A 57636Q104 1,753 5,929 SH   SOLE NONE 0 0 5,929
MERCK & CO. INC COM 58933Y105 331 4,277 SH   SOLE NONE 0 0 4,277
MICROSOFT CORP COM 594918104 3,766 18,506 SH   SOLE NONE 0 0 18,506
OREILLY AUTOMOTIVE INC COM 67103H107 335 794 SH   SOLE NONE 0 0 794
PJT PARTNERS INC COM CL A 69343T107 6,406 124,770 SH   SOLE NONE 0 0 124,770
PPG INDS INC COM 693506107 329 3,100 SH   SOLE NONE 0 0 3,100
PEPSICO INC COM 713448108 587 4,442 SH   SOLE NONE 0 0 4,442
PFIZER INC COM 717081103 394 12,052 SH   SOLE NONE 0 0 12,052
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 769 7,563 SH   SOLE NONE 0 0 7,563
PROCTER AND GAMBLE CO COM 742718109 497 4,157 SH   SOLE NONE 0 0 4,157
PROSIGHT GLOBAL INC COM 74349J103 89 10,000 SH   SOLE NONE 0 0 10,000
QUICKLOGIC CORP COM NEW 74837P405 319 103,571 SH   SOLE NONE 0 0 103,571
ROSS STORES INC COM 778296103 615 7,219 SH   SOLE NONE 0 0 7,219
ROYAL BK CDA COM 780087102 387 5,700 SH   SOLE NONE 0 0 5,700
SPDR S&P 500 ETF TR TR UNIT 78462F103 41,427 134,347 SH   SOLE NONE 0 0 134,347
SPDR GOLD TR GOLD SHS 78463V107 292 1,743 SH   SOLE NONE 0 0 1,743
SPDR SER TR S&P 600 SMCP GRW 78464A201 8,846 155,788 SH   SOLE NONE 0 0 155,788
SPDR SER TR S&P 600 SMCP VAL 78464A300 12,469 253,856 SH   SOLE NONE 0 0 253,856
SPDR SER TR PRTFLO S&P500 GW 78464A409 21,631 481,546 SH   SOLE NONE 0 0 481,546
SPDR SER TR FTSE INT GVT ETF 78464A490 236 4,500 SH   SOLE NONE 0 0 4,500
SPDR SER TR PRTFLO S&P500 VL 78464A508 19,173 661,591 SH   SOLE NONE 0 0 661,591
SPDR SER TR S&P DIVID ETF 78464A763 19,416 212,893 SH   SOLE NONE 0 0 212,893
SPDR SER TR S&P 400 MDCP GRW 78464A821 14,768 274,557 SH   SOLE NONE 0 0 274,557
SPDR SER TR S&P 400 MDCP VAL 78464A839 14,047 329,514 SH   SOLE NONE 0 0 329,514
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 15,419 47,518 SH   SOLE NONE 0 0 47,518
SCHWAB CHARLES CORP COM 808513105 206 6,118 SH   SOLE NONE 0 0 6,118
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 399 3,933 SH   SOLE NONE 0 0 3,933
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 212 4,224 SH   SOLE NONE 0 0 4,224
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 459 15,425 SH   SOLE NONE 0 0 15,425
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 280 2,682 SH   SOLE NONE 0 0 2,682
TJX COS INC NEW COM 872540109 606 11,986 SH   SOLE NONE 0 0 11,986
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 535 4,569 SH   SOLE NONE 0 0 4,569
VANGUARD STAR FDS VG TL INTL STK F 921909768 215 4,382 SH   SOLE NONE 0 0 4,382
VANGUARD ADMIRAL FDS INC SMLLCP 600 IDX 921932828 684 5,467 SH   SOLE NONE 0 0 5,467
VANGUARD ADMIRAL FDS INC MIDCP 400 IDX 921932885 910 7,567 SH   SOLE NONE 0 0 7,567
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 466 5,610 SH   SOLE NONE 0 0 5,610
VANGUARD TAX-MANAGED FDS FTSE DEV MKT ETF 921943858 6,980 179,942 SH   SOLE NONE 0 0 179,942
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 658 8,347 SH   SOLE NONE 0 0 8,347
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 41,517 827,521 SH   SOLE NONE 0 0 827,521
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676 201 4,298 SH   SOLE NONE 0 0 4,298
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 269 2,779 SH   SOLE NONE 0 0 2,779
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 2,151 45,189 SH   SOLE NONE 0 0 45,189
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 1,388 35,037 SH   SOLE NONE 0 0 35,037
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 303 6,012 SH   SOLE NONE 0 0 6,012
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 2,053 7,243 SH   SOLE NONE 0 0 7,243
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 244 2,554 SH   SOLE NONE 0 0 2,554
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 339 2,052 SH   SOLE NONE 0 0 2,052
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 4,346 55,346 SH   SOLE NONE 0 0 55,346
VANGUARD INDEX FDS SML CP GRW ETF 922908595 311 1,559 SH   SOLE NONE 0 0 1,559
VANGUARD INDEX FDS SM CP VAL ETF 922908611 237 2,214 SH   SOLE NONE 0 0 2,214
VANGUARD INDEX FDS LARGE CAP ETF 922908637 204 1,426 SH   SOLE NONE 0 0 1,426
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 385 3,250 SH   SOLE NONE 0 0 3,250
VANGUARD INDEX FDS GROWTH ETF 922908736 484 2,395 SH   SOLE NONE 0 0 2,395
VANGUARD INDEX FDS VALUE ETF 922908744 332 3,338 SH   SOLE NONE 0 0 3,338
VANGUARD INDEX FDS SMALL CP ETF 922908751 1,146 7,862 SH   SOLE NONE 0 0 7,862
VANGUARD INDEX FDS TOTAL STK MKT 922908769 6,781 43,320 SH   SOLE NONE 0 0 43,320
WESTERN ASSET EMERGING MKTS COM 95766A101 198 16,081 SH   SOLE NONE 0 0 16,081
WISDOMTREE TR EMER MKT HIGH FD 97717W315 391 10,835 SH   SOLE NONE 0 0 10,835