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
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 80 354 SH   SOLE   0 0 354
LINDE PLC SHS G5494J103 13 54 SH   SOLE   0 0 54
MEDTRONIC PLC SHS G5960L103 100 965 SH   SOLE   0 0 965
AT&T INC COM 00206R102 93 3,270 SH   SOLE   0 0 3,270
ABBOTT LABS COM 002824100 109 1,004 SH   SOLE   0 0 1,004
ABBVIE INC COM 00287Y109 61 696 SH   SOLE   0 0 696
ADOBE INC COM 00724F101 172 351 SH   SOLE   0 0 351
AIR PRODS & CHEMS INC COM 009158106 9 29 SH   SOLE   0 0 29
ALPHABET INC CAP STK CL C 02079K107 306 208 SH   SOLE   0 0 208
ALPHABET INC CAP STK CL A 02079K305 503 343 SH   SOLE   0 0 343
AMAZON COM INC COM 023135106 57,528 18,270 SH   SOLE   0 0 18,270
AMERICAN EXPRESS CO COM 025816109 47 471 SH   SOLE   0 0 471
AMERICAN TOWER CORP NEW COM 03027X100 48 198 SH   SOLE   0 0 198
AMGEN INC COM 031162100 133 522 SH   SOLE   0 0 522
APPLE INC COM 037833100 2,284 19,722 SH   SOLE   0 0 19,721
APPLIED MATLS INC COM 038222105 5 92 SH   SOLE   0 0 92
BANCO SANTANDER S.A. ADR 05964H105 9 5,000 SH   SOLE   0 0 5,000
BK OF AMERICA CORP COM 060505104 178 7,375 SH   SOLE   0 0 7,375
BECTON DICKINSON & CO COM 075887109 44 191 SH   SOLE   0 0 191
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 3,892 18,279 SH   SOLE   0 0 18,279
BLACKROCK INC COM 09247X101 13 23 SH   SOLE   0 0 23
BOEING CO COM 097023105 147 891 SH   SOLE   0 0 891
BRISTOL-MYERS SQUIBB CO COM 110122108 116 1,921 SH   SOLE   0 0 1,921
BROADCOM INC COM 11135F101 19 53 SH   SOLE   0 0 53
CVS HEALTH CORP COM 126650100 32 542 SH   SOLE   0 0 542
CATERPILLAR INC DEL COM 149123101 39 259 SH   SOLE   0 0 259
CHARTER COMMUNICATIONS INC N CL A 16119P108 8 13 SH   SOLE   0 0 13
CHEVRON CORP NEW COM 166764100 156 2,168 SH   SOLE   0 0 2,168
CISCO SYS INC COM 17275R102 205 5,205 SH   SOLE   0 0 5,204
COCA COLA CO COM 191216100 240 4,865 SH   SOLE   0 0 4,865
COLGATE PALMOLIVE CO COM 194162103 9 121 SH   SOLE   0 0 121
COMCAST CORP NEW CL A 20030N101 27 578 SH   SOLE   0 0 578
COSTCO WHSL CORP NEW COM 22160K105 236 664 SH   SOLE   0 0 664
DANAHER CORPORATION COM 235851102 106 494 SH   SOLE   0 0 494
DISNEY WALT CO COM DISNEY 254687106 880 7,090 SH   SOLE   0 0 7,090
EDWARDS LIFESCIENCES CORP COM 28176E108 93 1,170 SH   SOLE   0 0 1,170
FACEBOOK INC CL A 30303M102 811 3,096 SH   SOLE   0 0 3,096
GENERAL ELECTRIC CO COM 369604103 32 5,177 SH   SOLE   0 0 5,177
GOLDMAN SACHS GROUP INC COM 38141G104 9 43 SH   SOLE   0 0 43
HOME DEPOT INC COM 437076102 63 227 SH   SOLE   0 0 227
HUMANA INC COM 444859102 51 122 SH   SOLE   0 0 122
ILLINOIS TOOL WKS INC COM 452308109 54 281 SH   SOLE   0 0 280
INTEL CORP COM 458140100 236 4,557 SH   SOLE   0 0 4,556
INTERNATIONAL BUSINESS MACHS COM 459200101 94 775 SH   SOLE   0 0 774
INVESCO QQQ TR UNIT SER 1 46090E103 260 936 SH   SOLE   0 0 936
INTUIT COM 461202103 8 26 SH   SOLE   0 0 26
ISHARES GOLD TRUST ISHARES 464285105 20,252 1,125,729 SH   SOLE   0 0 1,125,729
ISHARES TR CORE S&P500 ETF 464287200 4,436 13,199 SH   SOLE   0 0 13,198
ISHARES TR S&P 500 VAL ETF 464287408 394 3,508 SH   SOLE   0 0 3,508
ISHARES TR MSCI EAFE ETF 464287465 2,657 41,747 SH   SOLE   0 0 41,747
ISHARES TR RUS MID CAP ETF 464287499 1,059 18,451 SH   SOLE   0 0 18,451
ISHARES TR CORE S&P MCP ETF 464287507 2,134 11,518 SH   SOLE   0 0 11,517
ISHARES TR RUS 1000 ETF 464287622 7,217 38,564 SH   SOLE   0 0 38,564
ISHARES TR RUSSELL 2000 ETF 464287655 689 4,598 SH   SOLE   0 0 4,598
ISHARES TR CORE S&P SCP ETF 464287804 6,116 87,082 SH   SOLE   0 0 87,082
ISHARES TR SHRT NAT MUN ETF 464288158 617 5,710 SH   SOLE   0 0 5,710
ISHARES TR JPMORGAN USD EMG 464288281 12,449 112,265 SH   SOLE   0 0 112,265
ISHARES TR NATIONAL MUN ETF 464288414 335 2,893 SH   SOLE   0 0 2,893
ISHARES TR CRE U S REIT ETF 464288521 10,606 242,489 SH   SOLE   0 0 242,489
ISHARES TR MSCI USA ESG SLC 464288802 2,472 16,805 SH   SOLE   0 0 16,805
ISHARES TR CORE MSCI EAFE 46432F842 29,202 484,438 SH   SOLE   0 0 484,437
ISHARES INC CORE MSCI EMKT 46434G103 11,510 218,000 SH   SOLE   0 0 218,000
ISHARES INC ESG MSCI EM ETF 46434G863 4,326 121,470 SH   SOLE   0 0 121,470
ISHARES TR ESG MSCI USA ETF 46435G425 6,118 80,280 SH   SOLE   0 0 80,280
ISHARES TR ESG MSCI EAFE 46435G516 14,092 221,993 SH   SOLE   0 0 221,993
ISORAY INC COM 46489V104 316 542,500 SH   SOLE   0 0 542,500
JPMORGAN CHASE & CO COM 46625H100 321 3,339 SH   SOLE   0 0 3,339
JOHNSON & JOHNSON COM 478160104 314 2,110 SH   SOLE   0 0 2,109
KINDER MORGAN INC DEL COM 49456B101 41 3,331 SH   SOLE   0 0 3,331
LILLY ELI & CO COM 532457108 34 231 SH   SOLE   0 0 231
LOCKHEED MARTIN CORP COM 539830109 29 75 SH   SOLE   0 0 75
LOWES COS INC COM 548661107 115 694 SH   SOLE   0 0 694
MASTERCARD INCORPORATED CL A 57636Q104 302 894 SH   SOLE   0 0 894
MCDONALDS CORP COM 580135101 428 1,949 SH   SOLE   0 0 1,949
MERCK & CO. INC COM 58933Y105 184 2,218 SH   SOLE   0 0 2,217
MICROSOFT CORP COM 594918104 65,146 309,733 SH   SOLE   0 0 309,733
MONDELEZ INTL INC CL A 609207105 10 174 SH   SOLE   0 0 174
MORGAN STANLEY COM NEW 617446448 29 603 SH   SOLE   0 0 603
NETFLIX INC COM 64110L106 69 138 SH   SOLE   0 0 138
NEXTERA ENERGY INC COM 65339F101 85 305 SH   SOLE   0 0 305
NIKE INC CL B 654106103 248 1,972 SH   SOLE   0 0 1,972
NVIDIA CORPORATION COM 67066G104 93 172 SH   SOLE   0 0 172
ORACLE CORP COM 68389X105 100 1,671 SH   SOLE   0 0 1,671
PNC FINL SVCS GROUP INC COM 693475105 21 190 SH   SOLE   0 0 190
PAYPAL HLDGS INC COM 70450Y103 85 431 SH   SOLE   0 0 431
PEPSICO INC COM 713448108 153 1,105 SH   SOLE   0 0 1,105
PFIZER INC COM 717081103 83 2,251 SH   SOLE   0 0 2,251
PIMCO ETF TR ACTIVE BD ETF 72201R775 386 3,440 SH   SOLE   0 0 3,440
PROCTER AND GAMBLE CO COM 742718109 375 2,700 SH   SOLE   0 0 2,700
PROLOGIS INC. COM 74340W103 8 75 SH   SOLE   0 0 75
QUALCOMM INC COM 747525103 120 1,018 SH   SOLE   0 0 1,018
QUANTUM CORP COM NEW 747906501 321 69,723 SH   SOLE   0 0 69,723
S&P GLOBAL INC COM 78409V104 8 21 SH   SOLE   0 0 21
SPDR S&P 500 ETF TR TR UNIT 78462F103 15,049 44,938 SH   SOLE   0 0 44,938
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 953 32,585 SH   SOLE   0 0 32,585
SALESFORCE COM INC COM 79466L302 100 398 SH   SOLE   0 0 398
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 229 2,872 SH   SOLE   0 0 2,871
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 580 7,191 SH   SOLE   0 0 7,190
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 657 11,881 SH   SOLE   0 0 11,881
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 9,598 305,657 SH   SOLE   0 0 305,657
SHERWIN WILLIAMS CO COM 824348106 20 29 SH   SOLE   0 0 29
STARBUCKS CORP COM 855244109 1,334 15,523 SH   SOLE   0 0 15,523
SYSCO CORP COM 871829107 41 652 SH   SOLE   0 0 652
TESLA INC COM 88160R101 1,257 2,930 SH   SOLE   0 0 2,930
TEXAS INSTRS INC COM 882508104 112 781 SH   SOLE   0 0 781
THERAPEUTICSMD INC COM 88338N107 17 10,685 SH   SOLE   0 0 10,685
THERMO FISHER SCIENTIFIC INC COM 883556102 227 514 SH   SOLE   0 0 514
3M CO COM 88579Y101 92 574 SH   SOLE   0 0 574
UNION PAC CORP COM 907818108 17 85 SH   SOLE   0 0 85
UNITED PARCEL SERVICE INC CL B 911312106 135 810 SH   SOLE   0 0 810
UNITEDHEALTH GROUP INC COM 91324P102 567 1,820 SH   SOLE   0 0 1,819
VANECK VECTORS ETF TR LOW CARBN ENERGY 92189F502 700 6,365 SH   SOLE   0 0 6,365
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 26,377 205,011 SH   SOLE   0 0 205,010
VANGUARD STAR FDS VG TL INTL STK F 921909768 2,437 46,719 SH   SOLE   0 0 46,719
VANGUARD BD INDEX FDS INTERMED TERM 921937819 20,591 220,275 SH   SOLE   0 0 220,275
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 23,085 277,961 SH   SOLE   0 0 277,961
VANGUARD TAX-MANAGED FDS FTSE DEV MKT ETF 921943858 40,840 998,528 SH   SOLE   0 0 998,527
VANGUARD WHITEHALL FDS EMERG MKT BD ETF 921946885 3,256 41,262 SH   SOLE   0 0 41,262
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 3,009 59,653 SH   SOLE   0 0 59,653
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 11,083 256,317 SH   SOLE   0 0 256,316
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 20,489 66,598 SH   SOLE   0 0 66,598
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 1,310 16,586 SH   SOLE   0 0 16,585
VANGUARD INDEX FDS MID CAP ETF 922908629 3,893 22,089 SH   SOLE   0 0 22,089
VANGUARD INDEX FDS GROWTH ETF 922908736 354 1,556 SH   SOLE   0 0 1,556
VANGUARD INDEX FDS SMALL CP ETF 922908751 1,755 11,412 SH   SOLE   0 0 11,411
VANGUARD INDEX FDS TOTAL STK MKT 922908769 430 2,522 SH   SOLE   0 0 2,522
VERIZON COMMUNICATIONS INC COM 92343V104 193 3,247 SH   SOLE   0 0 3,247
VERTEX PHARMACEUTICALS INC COM 92532F100 17 64 SH   SOLE   0 0 64
VISA INC COM CL A 92826C839 371 1,856 SH   SOLE   0 0 1,856
WALMART INC COM 931142103 114 814 SH   SOLE   0 0 814
WASTE MGMT INC DEL COM 94106L109 114 1,008 SH   SOLE   0 0 1,008
ZOETIS INC CL A 98978V103 100 602 SH   SOLE   0 0 602
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 447 1,976 SH   OTR 1 1,976 0 0
LINDE PLC SHS G5494J103 360 1,513 SH   OTR 1 1,513 0 0
MEDTRONIC PLC SHS G5960L103 319 3,068 SH   OTR 1 3,068 0 0
AT&T INC COM 00206R102 463 16,231 SH   OTR 1 16,231 0 0
ABBOTT LABS COM 002824100 492 4,522 SH   OTR 1 4,522 0 0
ABBVIE INC COM 00287Y109 478 5,458 SH   OTR 1 5,458 0 0
ADOBE INC COM 00724F101 763 1,556 SH   OTR 1 1,556 0 0
AIR PRODS & CHEMS INC COM 009158106 287 963 SH   OTR 1 963 0 0
ALPHABET INC CAP STK CL C 02079K107 935 636 SH   OTR 1 636 0 0
ALPHABET INC CAP STK CL A 02079K305 1,577 1,076 SH   OTR 1 1,076 0 0
AMAZON COM INC COM 023135106 2,069 657 SH   OTR 1 657 0 0
AMERICAN EXPRESS CO COM 025816109 157 1,563 SH   OTR 1 1,563 0 0
AMERICAN TOWER CORP NEW COM 03027X100 243 1,004 SH   OTR 1 1,004 0 0
AMGEN INC COM 031162100 273 1,076 SH   OTR 1 1,076 0 0
APPLE INC COM 037833100 3,996 34,508 SH   OTR 1 34,508 0 0
APPLIED MATLS INC COM 038222105 230 3,874 SH   OTR 1 3,874 0 0
BANCO SANTANDER S.A. ADR 05964H105 14 7,759 SH   OTR 1 7,759 0 0
BK OF AMERICA CORP COM 060505104 392 16,286 SH   OTR 1 16,286 0 0
BECTON DICKINSON & CO COM 075887109 205 879 SH   OTR 1 879 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 518 2,431 SH   OTR 1 2,431 0 0
BLACKROCK INC COM 09247X101 261 464 SH   OTR 1 464 0 0
BOEING CO COM 097023105 119 720 SH   OTR 1 720 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108 369 6,126 SH   OTR 1 6,126 0 0
BROADCOM INC COM 11135F101 262 718 SH   OTR 1 718 0 0
CVS HEALTH CORP COM 126650100 213 3,646 SH   OTR 1 3,646 0 0
CATERPILLAR INC DEL COM 149123101 193 1,292 SH   OTR 1 1,292 0 0
CHARTER COMMUNICATIONS INC N CL A 16119P108 214 343 SH   OTR 1 343 0 0
CHEVRON CORP NEW COM 166764100 140 1,939 SH   OTR 1 1,939 0 0
CISCO SYS INC COM 17275R102 575 14,586 SH   OTR 1 14,586 0 0
COCA COLA CO COM 191216100 308 6,236 SH   OTR 1 6,236 0 0
COLGATE PALMOLIVE CO COM 194162103 220 2,857 SH   OTR 1 2,857 0 0
COMCAST CORP NEW CL A 20030N101 480 10,380 SH   OTR 1 10,380 0 0
COSTCO WHSL CORP NEW COM 22160K105 234 660 SH   OTR 1 660 0 0
DANAHER CORPORATION COM 235851102 228 1,057 SH   OTR 1 1,057 0 0
DISNEY WALT CO COM DISNEY 254687106 589 4,748 SH   OTR 1 4,747 0 0
EDWARDS LIFESCIENCES CORP COM 28176E108 122 1,523 SH   OTR 1 1,523 0 0
FACEBOOK INC CL A 30303M102 903 3,449 SH   OTR 1 3,449 0 0
GENERAL ELECTRIC CO COM 369604103 149 23,922 SH   OTR 1 23,922 0 0
GOLDMAN SACHS GROUP INC COM 38141G104 228 1,135 SH   OTR 1 1,135 0 0
HOME DEPOT INC COM 437076102 842 3,032 SH   OTR 1 3,032 0 0
HUMANA INC COM 444859102 206 498 SH   OTR 1 498 0 0
ILLINOIS TOOL WKS INC COM 452308109 263 1,361 SH   OTR 1 1,361 0 0
INTEL CORP COM 458140100 711 13,731 SH   OTR 1 13,731 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 276 2,268 SH   OTR 1 2,268 0 0
INTUIT COM 461202103 208 639 SH   OTR 1 639 0 0
JPMORGAN CHASE & CO COM 46625H100 801 8,322 SH   OTR 1 8,322 0 0
JOHNSON & JOHNSON COM 478160104 1,283 8,620 SH   OTR 1 8,620 0 0
KINDER MORGAN INC DEL COM 49456B101 85 6,910 SH   OTR 1 6,910 0 0
LILLY ELI & CO COM 532457108 175 1,185 SH   OTR 1 1,185 0 0
LOCKHEED MARTIN CORP COM 539830109 250 653 SH   OTR 1 653 0 0
LOWES COS INC COM 548661107 349 2,102 SH   OTR 1 2,102 0 0
MASTERCARD INCORPORATED CL A 57636Q104 534 1,579 SH   OTR 1 1,579 0 0
MCDONALDS CORP COM 580135101 363 1,656 SH   OTR 1 1,656 0 0
MERCK & CO. INC COM 58933Y105 647 7,795 SH   OTR 1 7,795 0 0
MICROSOFT CORP COM 594918104 2,407 11,443 SH   OTR 1 11,443 0 0
MONDELEZ INTL INC CL A 609207105 236 4,112 SH   OTR 1 4,112 0 0
MORGAN STANLEY COM NEW 617446448 246 5,079 SH   OTR 1 5,079 0 0
NETFLIX INC COM 64110L106 421 841 SH   OTR 1 841 0 0
NEXTERA ENERGY INC COM 65339F101 384 1,383 SH   OTR 1 1,383 0 0
NIKE INC CL B 654106103 456 3,635 SH   OTR 1 3,635 0 0
NVIDIA CORPORATION COM 67066G104 969 1,791 SH   OTR 1 1,791 0 0
ORACLE CORP COM 68389X105 383 6,409 SH   OTR 1 6,409 0 0
PNC FINL SVCS GROUP INC COM 693475105 227 2,061 SH   OTR 1 2,061 0 0
PAYPAL HLDGS INC COM 70450Y103 758 3,846 SH   OTR 1 3,846 0 0
PEPSICO INC COM 713448108 658 4,749 SH   OTR 1 4,749 0 0
PFIZER INC COM 717081103 246 6,708 SH   OTR 1 6,708 0 0
PROCTER AND GAMBLE CO COM 742718109 684 4,923 SH   OTR 1 4,923 0 0
PROLOGIS INC. COM 74340W103 221 2,193 SH   OTR 1 2,193 0 0
QUALCOMM INC COM 747525103 255 2,164 SH   OTR 1 2,164 0 0
S&P GLOBAL INC COM 78409V104 307 850 SH   OTR 1 850 0 0
SALESFORCE COM INC COM 79466L302 660 2,627 SH   OTR 1 2,627 0 0
SHERWIN WILLIAMS CO COM 824348106 194 279 SH   OTR 1 279 0 0
STARBUCKS CORP COM 855244109 276 3,218 SH   OTR 1 3,218 0 0
SYSCO CORP COM 871829107 166 2,663 SH   OTR 1 2,663 0 0
TESLA INC COM 88160R101 116 270 SH   OTR 1 270 0 0
TEXAS INSTRS INC COM 882508104 446 3,123 SH   OTR 1 3,123 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102 308 698 SH   OTR 1 698 0 0
3M CO COM 88579Y101 301 1,879 SH   OTR 1 1,879 0 0
UNION PAC CORP COM 907818108 362 1,840 SH   OTR 1 1,840 0 0
UNITED PARCEL SERVICE INC CL B 911312106 294 1,767 SH   OTR 1 1,767 0 0
UNITEDHEALTH GROUP INC COM 91324P102 914 2,933 SH   OTR 1 2,933 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 774 13,004 SH   OTR 1 13,004 0 0
VERTEX PHARMACEUTICALS INC COM 92532F100 185 681 SH   OTR 1 681 0 0
VISA INC COM CL A 92826C839 653 3,263 SH   OTR 1 3,263 0 0
WALMART INC COM 931142103 313 2,239 SH   OTR 1 2,239 0 0
WASTE MGMT INC DEL COM 94106L109 171 1,509 SH   OTR 1 1,509 0 0
ZOETIS INC CL A 98978V103 193 1,167 SH   OTR 1 1,167 0 0