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
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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
VANGRD IDX FDS MDCAP VAL IDX VPR SH ETF 922908512 336 2,395 SH   SOLE   0 0 2,395
INVESCO RUSS 1000 DYNAMIC MULTIFCTR ETF 46138J619 1,080 23,102 SH   SOLE   0 0 23,102
WISDOMTREE TR CURRENCY HEDGD DEFAFD ETF 97717X701 358 4,693 SH   SOLE   0 0 4,693
ALIBABA GROUP HLDG LTD SPONSORD ADS ETF 464288653 503 3,421 SH   SOLE   0 0 3,421
ISHR EDGE MSCI US MOMENT FACTOR ETF ETF 46432F396 2,385 13,749 SH   SOLE   0 0 13,749
ISHARES S&P SMALLCAP 600 GROWTH ETF ETF 464287887 200 1,510 SH   SOLE   0 0 1,510
SPDR PORTFOLIO EMERGING MARKETS ETF ETF 78463X509 216 4,743 SH   SOLE   0 0 4,743
BROOKFIELD INFRA PART LP LP INT UNT COM G16252101 249 4,487 SH   SOLE   0 0 4,487
PWSHRS GLOBAL ET FD TR INSURED NATL ETF 46138E537 316 11,578 SH   SOLE   0 0 11,578
SH FTSE NAREIT MORT PLUS CAP IDX FD ETF 46435G342 358 9,651 SH   SOLE   0 0 9,651
ISHR US ETF TR SHRT MATURITY BD ETF ETF 46431W507 478 9,524 SH   SOLE   0 0 9,524
SPDR PORT DEVELOPED WORLD EX-US ETF ETF 78463X889 651 17,689 SH   SOLE   0 0 17,689
WISDOMTREE FLOATING RATE TREAS FUND ETF 97717X628 742 29,569 SH   SOLE   0 0 29,569
ISHR TR DOW JONESUS AEROSPACE & DEF ETF 464288760 768 7,014 SH   SOLE   0 0 7,014
GOLDMAN SACHS ACCESS TREAS 0-1 YEAR ETF 381430529 1,006 10,051 SH   SOLE   0 0 10,051
ISHR TR S&PCITIGRP INT TREAS BD ETF ETF 464288117 1,347 25,774 SH   SOLE   0 0 25,774
JANUS HENDERSON SHT DURATION INCOME ETF 47103U886 1,638 32,618 SH   SOLE   0 0 32,618
ISHR TRUST CORE SHRT TERM US BD ETF ETF 46432F859 1,678 32,713 SH   SOLE   0 0 32,713
ISHR TRST COR MSCI TOT INTL STK ETF ETF 46432F834 2,500 34,113 SH   SOLE   0 0 34,113
FIDELITY MSCI HEALTH CARE INDEX ETF ETF 316092600 3,360 52,709 SH   SOLE   0 0 52,709
ISHR JPMORG USD EMERG MARKTS BD ETF ETF 464288281 4,856 43,180 SH   SOLE   0 0 43,180
SPDR DOUBLELINE TOT RETURN TACT ETF ETF 78467V848 20,473 422,899 SH   SOLE   0 0 422,899
VANGUARD SMALL-CAP GROWTH IDX FUND ETF 922908595 631 2,178 SH   SOLE   0 0 2,178
ISHARES S&P US PREFERRED STOCK ETF ETF 464288687 1,515 38,506 SH   SOLE   0 0 38,506
VANGUARD SHORT TERM CORP BD FD ETF ETF 92206C409 14,981 181,133 SH   SOLE   0 0 181,133
ISHARES TR RUSSELL MIDCAP INDEX FD ETF 464287499 298 3,759 SH   SOLE   0 0 3,759
SPDR PORTFOLIO S&P 400 MID CAP ETF ETF 78464A847 334 7,083 SH   SOLE   0 0 7,083
VANGUARD DIVIDEND APPRECIATION ETF ETF 921908844 518 3,346 SH   SOLE   0 0 3,346
ISHR TR MSCI USA MIN VOLAT INDX FD ETF 46429B697 778 10,567 SH   SOLE   0 0 10,567
ENTERPRISE FINANCIAL SERVICES CORP COM 293712105 956 20,602 SH   SOLE   0 0 20,602
FIDELITY MSCI FINANCIALS INDEX ETF ETF 316092501 1,016 19,407 SH   SOLE   0 0 19,407
VANECK VECTS FALLENANGEL HY BD ETF ETF 92189F437 1,628 49,477 SH   SOLE   0 0 49,477
FID MSCI INFO TECHNOLOGY INDEX ETF ETF 316092808 2,419 20,532 SH   SOLE   0 0 20,532
ISHR IBOXX INVEST GRDE CORP BD ETF ETF 464287242 5,287 39,351 SH   SOLE   0 0 39,351
MKT VECT LEHMAN BRS AMTFREE INTERM ETF 92189H201 7,804 150,603 SH   SOLE   0 0 150,603
VANCK VECTS MORNINGSTAR WIDE MOAT ETF 92189F643 1,131 15,276 SH   SOLE   0 0 15,276
PIMCO INTERMEDIATE muni bd ACTIVE ETF 72201R866 284 5,000 SH   SOLE   0 0 5,000
ISHR DJ U.S. FINANCIAL SECTOR ETF ETF 464287788 381 4,702 SH   SOLE   0 0 4,702
BARINGS GLOBAL SHORT DURATION COM CEF 06760L100 172 10,098 SH   SOLE   0 0 10,098
ISHR EDGE MSCI MIN VOL GLOBAL ETF ETF 464286525 478 4,643 SH   SOLE   0 0 4,643
SPDR PORTFOLIO AGGREGATE BOND ETF ETF 78464A649 578 19,271 SH   SOLE   0 0 19,271
ISHARES TR LEHMAN SHORT TREA BDFD ETF 464288679 589 5,333 SH   SOLE   0 0 5,333
ISHARES 7-10 YR TREASURY BOND ETF ETF 464287440 667 5,779 SH   SOLE   0 0 5,779
ISHARES OIL & GAS EXPL INDEX FUND ETF 464288851 1,457 25,421 SH   SOLE   0 0 25,421
INVESCO DYNAMIC LEISURE ENTERTAIN ETF 46137V720 1,468 28,076 SH   SOLE   0 0 28,076
ISHR IBOXX HIGH YIELD CORP BD ETF ETF 464288513 2,325 26,403 SH   SOLE   0 0 26,403
SPDR PORTFOLIO S&P 500 GROWTH ETF ETF 78464A409 8,024 127,420 SH   SOLE   0 0 127,420
GLOBAL X NASDAQ 100 COVERED CALL ETF 37954Y483 555 24,733 SH   SOLE   0 0 24,733
ISHARES 3-7 YR TREASURY BOND ETF ETF 464288661 382 2,927 SH   SOLE   0 0 2,927
ISHARES MSCI EAFE ESG SELECT ETF ETF 46435G516 891 11,271 SH   SOLE   0 0 11,271
ISH BROAD USD HGH YD CORP BD ETF ETF 46435U853 1,155 27,676 SH   SOLE   0 0 27,676
ISHARES CORE DIVIDEND GROWTH ETF ETF 46434V621 1,471 29,215 SH   SOLE   0 0 29,215
ISHARES 1-3 YR TREASURY BOND ETF ETF 464287457 4,772 55,391 SH   SOLE   0 0 55,391
SPDR PORTFOLIO S&P 500 VALUE ETF ETF 78464A508 11,188 282,960 SH   SOLE   0 0 282,960
INVESCO S&P 500 EQUAL WEIGHT ETF ETF 46137V357 13,566 90,005 SH   SOLE   0 0 90,005
ISH DOW JONES US HOME CONST ETF ETF 464288752 1,429 20,645 SH   SOLE   0 0 20,645
SPDR PORT S&P 600 SMALL CAP ETF ETF 78468R853 252 5,741 SH   SOLE   0 0 5,741
ISHR CORE INT AGGREGATE BD FUND ETF 46435G672 229 4,148 SH   SOLE   0 0 4,148
NUVEEN ESG LARGE-CAP GROWTH ETF ETF 67092P201 475 7,359 SH   SOLE   0 0 7,359
ISHARES TR HIGH DIVID EQUITY FD ETF 46429B663 617 6,387 SH   SOLE   0 0 6,387
ISHARES U.S. INFRASTRUCTURE ETF ETF 46435U713 728 20,613 SH   SOLE   0 0 20,613
ISHARES MSCI KLD 400 SOCIAL ETF ETF 464288570 1,092 13,185 SH   SOLE   0 0 13,185
MARKET VECTORS ETF HY MUNI INDX ETF 92189H409 1,512 23,776 SH   SOLE   0 0 23,776
BERKSHIRE HATHAWAY INC DEL CL A COM 084670108 6,279 15 SH   SOLE   0 0 15
ISHARES CORE MSCI EMERGING MKTS ETF 46434G103 10,772 160,804 SH   SOLE   0 0 160,804
PSHRS SP500 LOW VOLATILITY ETF ETF 46138E354 212 3,487 SH   SOLE   0 0 3,487
VANGUARD TOTAL BOND MARKET ETF ETF 921937835 210 2,447 SH   SOLE   0 0 2,447
FIDELITY D & D BANCORP INC COM COM 31609R100 222 4,097 SH   SOLE   0 0 4,097
ISH TRUST S&P GLOBAL INFO TECH ETF 464287291 336 994 SH   SOLE   0 0 994
ISHARES 1-3 YR CREDIT BOND ETF ETF 464288646 372 6,792 SH   SOLE   0 0 6,792
WISDOMTREE MIDCAP EARNINGS ETF ETF 97717W570 753 14,381 SH   SOLE   0 0 14,381
HEALTH CARE SELECT SECTOR SPDR ETF 81369Y209 796 6,323 SH   SOLE   0 0 6,323
ISHARES FLOATING RATE BOND ETF ETF 46429B655 1,121 22,053 SH   SOLE   0 0 22,053
FIDELITY MSCI ENERGY INDEX ETF ETF 316092402 1,522 103,186 SH   SOLE   0 0 103,186
NUVEEN ESG LARGE-CAP VALUE ETF ETF 67092P300 1,691 44,805 SH   SOLE   0 0 44,805
ISHARES ETF CURRENCY BOND FUND ETF 464286517 4,632 106,121 SH   SOLE   0 0 106,121
ISHARES U.S. TREASURY BOND ETF ETF 46429B267 4,757 178,817 SH   SOLE   0 0 178,817
ISHARES AMT-FREE MUNI BOND ETF ETF 464288414 7,154 61,044 SH   SOLE   0 0 61,044
INNOVATIVE INDL PPTYS INC COM REIT 45781V101 204 1,070 SH   SOLE   0 0 1,070
FIDELITY MSCI UTILS INDEX ETF ETF 316092865 232 5,663 SH   SOLE   0 0 5,663
ENTERPRISE PRODS PARTNERS L P COM 293792107 296 12,283 SH   SOLE   0 0 12,283
TECHNOLOGY SELECT SECTOR SPDR ETF 81369Y803 484 3,280 SH   SOLE   0 0 3,280
SPDR DOW JONES INDUSTRIAL ETF ETF 78467X109 1,446 4,193 SH   SOLE   0 0 4,193
WISDOMTREE LARGE CAP DIVIDEND ETF 97717W307 1,629 13,537 SH   SOLE   0 0 13,537
INVESCO TOTAL RETURN BOND ETF ETF 46090A804 3,299 57,822 SH   SOLE   0 0 57,822
VANECK VECTORS SHORT MUNI ETF ETF 92189F528 4,196 232,259 SH   SOLE   0 0 232,259
VANGUARD FTSE ALL-WORLD EX-US ETF 922042775 4,724 74,527 SH   SOLE   0 0 74,527
ISHARES TR S&P 100 INDEX FUND ETF 464287101 4,796 24,447 SH   SOLE   0 0 24,447
FIDELITY MSCI MATLS INDEX ETF ETF 316092881 6,833 147,861 SH   SOLE   0 0 147,861
ISHARES 0-5 YR TIPS BOND ETF ETF 46429B747 222 2,089 SH   SOLE   0 0 2,089
SIMON PPTY GROUP INC NEW COM REIT 828806109 326 2,500 SH   SOLE   0 0 2,500
WISDOMTREE SMALLCAP DIVIDEND ETF 97717W604 1,227 38,481 SH   SOLE   0 0 38,481
VANGUARD SMALL CAP VALUE ETF ETF 922908611 1,569 9,036 SH   SOLE   0 0 9,036
ISHARES TR S&P 1500 INDEX FD ETF 464287150 2,358 23,874 SH   SOLE   0 0 23,874
VANGUARD TAX-EXEMPT BOND ETF ETF 922907746 5,006 90,516 SH   SOLE   0 0 90,516
FIDELITY MSCI INDL INDEX ETF ETF 316092709 7,389 136,261 SH   SOLE   0 0 136,261
VANGUARD EXTENDED MARKET ETF ETF 922908652 8,369 44,377 SH   SOLE   0 0 44,377
ISHARES CORE S&P MID CAP ETF ETF 464287507 72,874 271,180 SH   SOLE   0 0 271,180
THE TRADE DESK INC COM CL A COM 88339J105 248 3,200 SH   SOLE   0 0 3,200
GLOBAL X FDS GLOBX SUPDV US ETF 37950E291 720 36,015 SH   SOLE   0 0 36,015
VANGUARD MEGA CAP VALUE ETF ETF 921910840 962 9,654 SH   SOLE   0 0 9,654
ISHARES Intmd CREDIT BD ETF ETF 464288638 1,398 23,101 SH   SOLE   0 0 23,101
BHP GROUP LTD SPONSORED ADS ADR 088606108 13,645 187,351 SH   SOLE   0 0 187,351
URBAN ONE INC CL D NON VTG COM 91705J204 66 13,075 SH   SOLE   0 0 13,075
ISHARES S&P 500 GROWTH ETF ETF 464287309 628 8,641 SH   SOLE   0 0 8,641
ISHARES DJ SELECT DIVIDEND ETF 464287168 657 5,631 SH   SOLE   0 0 5,631
WISDOMTREE MIDCAP DIVIDEND ETF 97717W505 1,081 25,777 SH   SOLE   0 0 25,777
SPDR PORTFOLIO S&P 500 ETF ETF 78464A854 1,169 23,236 SH   SOLE   0 0 23,236
FIDELITY HIGH DIVIDEND ETF ETF 316092840 2,127 56,431 SH   SOLE   0 0 56,431
ISHARES AGGREGATE BOND ETF ETF 464287226 34,901 302,618 SH   SOLE   0 0 302,618
ISHARES S&P 500 VALUE ETF ETF 464287408 14,148 95,824 SH   SOLE   0 0 95,824
NUVEEN ESG SMALL-CAP ETF ETF 67092P607 1,001 22,162 SH   SOLE   0 0 22,162
POWERSHARES TRUST II ETF ETF 46138E362 1,147 26,031 SH   SOLE   0 0 26,031
AURORA CANNABIS INC COM COM 05156X884 178 19,691 SH   SOLE   0 0 19,691
SYNCHRONY FINANCIAL COM COM 87165B103 335 6,910 SH   SOLE   0 0 6,910
ISHR INT SELECT DIV ETF ETF 464288448 997 30,781 SH   SOLE   0 0 30,781
ISHARES GOLD TRUST ETF ETF 464285204 1,068 31,696 SH   SOLE   0 0 31,696
FIDELITY TOTAL BOND ETF ETF 316188309 20,682 387,804 SH   SOLE   0 0 387,804
TELADOC HEALTH INC COM COM 87918A105 274 1,646 SH   SOLE   0 0 1,646
WELLS FARGO CO NEW COM COM 949746101 341 7,534 SH   SOLE   0 0 7,534
INTL BUSINESS MACHINES COM 459200101 435 2,967 SH   SOLE   0 0 2,967
VANGUARD SMALL CAP ETF ETF 922908751 4,419 19,616 SH   SOLE   0 0 19,616
VANGUARD TOTAL STK MKT ETF 922908769 6,154 27,619 SH   SOLE   0 0 27,619
MAIN STR CAP CORP COM CEF 56035L104 251 6,118 SH   SOLE   0 0 6,118
ISHARES TIPS BOND ETF ETF 464287176 2,542 19,856 SH   SOLE   0 0 19,856
ISHARES S&P 500 INDEX ETF 464287200 115,740 269,214 SH   SOLE   0 0 269,214
MERCADOLIBRE INC COM COM 58733R102 238 153 SH   SOLE   0 0 153
PAYPAL HLDGS INC COM COM 70450Y103 676 2,318 SH   SOLE   0 0 2,318
BP PLC SPONSORED ADR ADR 055622104 799 30,257 SH   SOLE   0 0 30,257
EXXON MOBIL CORP COM COM 30231G102 1,720 27,275 SH   SOLE   0 0 27,275
VANGUARD S&P 500 ETF ETF 922908363 13,324 33,859 SH   SOLE   0 0 33,859
GILEAD SCIENCES INC COM 375558103 224 3,252 SH   SOLE   0 0 3,252
FS KKR CAP CORP COM CEF 302635206 361 16,774 SH   SOLE   0 0 16,774
FIFTH THIRD BANCORP COM 316773100 363 9,500 SH   SOLE   0 0 9,500
SPDR S&P RETAIL ETF ETF 78464A714 1,529 15,724 SH   SOLE   0 0 15,724
VANGUARD GROWTH ETF ETF 922908736 4,955 17,277 SH   SOLE   0 0 17,277
PIMCO ACTIVE BD ETF ETF 72201R775 19,314 174,062 SH   SOLE   0 0 174,062
SEAGATE TECHNOLOGY COM G7997R103 207 2,358 SH   SOLE   0 0 2,358
S&P GLOBAL INC COM COM 78409V104 293 714 SH   SOLE   0 0 714
VANGUARD VALUE ETF ETF 922908744 5,550 40,375 SH   SOLE   0 0 40,375
ROKU INC COM CL A COM 77543R102 221 482 SH   SOLE   0 0 482
INVESCO QQQ TRUST ETF 46090E103 16,705 47,131 SH   SOLE   0 0 47,131
SHOPIFY INC CL A COM 82509L107 574 393 SH   SOLE   0 0 393
SPDR S&P 500 ETF ETF 78462F103 1,931 31,592 SH   SOLE   0 0 31,592
SQUARE INC CL A COM 852234103 359 1,471 SH   SOLE   0 0 1,471
MASCO CORP COM COM 574599106 245 4,160 SH   SOLE   0 0 4,160
OKTA INC CL A COM 679295105 257 1,050 SH   SOLE   0 0 1,050
SPDR GOLD ETF ETF 78463V107 1,625 9,810 SH   SOLE   0 0 9,810
AT&T INC COM COM 00206R102 4,045 140,543 SH   SOLE   0 0 140,543
IEFA ETF 46432F842 838 11,194 SH   SOLE   0 0 11,194
IJR ETF 464287804 403 3,571 SH   SOLE   0 0 3,571