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
PFIZER INC COM 717081103 280 6,417 SH   SOLE NONE 0 0 6,417
SPDR SER TR SSGA US LRG ETF 78468R804 414 4,647 SH   SOLE NONE 0 0 4,647
ISHARES TR MIN VOL USA ETF 46429B697 3,208 61,230 SH   SOLE NONE 0 0 61,230
ISHARES TR 0-5 YR TIPS ETF 46429B747 228 2,325 SH   SOLE NONE 0 0 2,325
APPLE INC COM 037833100 347 2,201 SH   SOLE NONE 0 0 2,201
CABOT OIL & GAS CORP COM 127097103 233 10,440 SH   SOLE NONE 0 0 10,440
PROCTER AND GAMBLE CO COM 742718109 17,842 194,098 SH   SOLE NONE 0 0 194,098
ISHARES TR CORE TOTAL USD 46434V613 368 7,474 SH   SOLE NONE 0 0 7,474
SSGA ACTIVE ETF TR SPDR TR TACTIC 78467V848 7,330 154,733 SH   SOLE NONE 0 0 154,733
ISHARES TR JPMORGAN USD EMG 464288281 3,203 30,821 SH   SOLE NONE 0 0 30,821
ISHARES TR MULTIFACTOR USA 46434V282 3,214 115,376 SH   SOLE NONE 0 0 115,376
ISHARES TR CORE S&P SCP ETF 464287804 4,479 64,614 SH   SOLE NONE 0 0 64,614
SPDR SERIES TRUST PRTFLO S&P500 GW 78464A409 908 27,931 SH   SOLE NONE 0 0 27,931
ISHARES TR US TREAS BD ETF 46429B267 2,157 87,490 SH   SOLE NONE 0 0 87,490
SPDR SERIES TRUST PORTFOLIO INTRMD 78464A375 980 29,663 SH   SOLE NONE 0 0 29,663
ISHARES TR BARCLAYS 7 10 YR 464287440 228 2,186 SH   SOLE NONE 0 0 2,186
ISHARES INC CORE MSCI EMKT 46434G103 3,857 81,800 SH   SOLE NONE 0 0 81,800
ISHARES TR CORE DIV GRWTH 46434V621 1,305 39,316 SH   SOLE NONE 0 0 39,316
FIDELITY MSCI UTILS INDEX 316092865 761 21,820 SH   SOLE NONE 0 0 21,820
ISHARES TR IBOXX INV CP ETF 464287242 7,618 67,524 SH   SOLE NONE 0 0 67,524
SPDR SERIES TRUST PRTFLO S&P500 VL 78464A508 215 7,924 SH   SOLE NONE 0 0 7,924
FIDELITY MSCI INFO TECH I 316092808 6,442 130,820 SH   SOLE NONE 0 0 130,820
FIRST TR NASDAQ100 TECH INDE SHS 337345102 594 8,727 SH   SOLE NONE 0 0 8,727
ISHARES TR CORE US AGGBD ET 464287226 4,755 44,655 SH   SOLE NONE 0 0 44,655
ISHARES US ETF TR COMMOD SEL STG 46431W853 3,336 109,408 SH   SOLE NONE 0 0 109,408
ISHARES INC JP MRG EM CRP BD 464286251 531 11,196 SH   SOLE NONE 0 0 11,196
ISHARES TR S&P 500 GRWT ETF 464287309 8,738 57,995 SH   SOLE NONE 0 0 57,995
ISHARES TR CORE MSCI EAFE 46432F842 9,605 174,630 SH   SOLE NONE 0 0 174,630
ISHARES TR CORE S&P MCP ETF 464287507 3,012 18,139 SH   SOLE NONE 0 0 18,139
VANGUARD GROUP DIV APP ETF 921908844 274 2,796 SH   SOLE NONE 0 0 2,796
ISHARES TR S&P 500 VAL ETF 464287408 8,910 88,095 SH   SOLE NONE 0 0 88,095
ISHARES US ETF TR SHT MAT BD ETF 46431W507 1,342 26,927 SH   SOLE NONE 0 0 26,927
SPDR SERIES TRUST PORTFOLIO MD ETF 78464A847 284 9,665 SH   SOLE NONE 0 0 9,665
FIDELITY MSCI HLTH CARE I 316092600 764 18,496 SH   SOLE NONE 0 0 18,496
SPDR SERIES TRUST PORTFOLIO AGRGTE 78464A649 735 26,376 SH   SOLE NONE 0 0 26,376
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 330 10,196 SH   SOLE NONE 0 0 10,196
ISHARES INC MLT FCTR EMG MKT 46434G889 2,939 75,895 SH   SOLE NONE 0 0 75,895
ISHARES TR CORE 1 5 YR USD 46432F859 271 5,522 SH   SOLE NONE 0 0 5,522
PEOPLES FINL SVCS CORP COM 711040105 1,282 29,099 SH   SOLE NONE 0 0 29,099
ISHARES TR MULTIFACTOR INTL 46434V274 6,197 261,368 SH   SOLE NONE 0 0 261,368
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 903 34,135 SH   SOLE NONE 0 0 34,135
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 442 4,379 SH   SOLE NONE 0 0 4,379
VANGUARD WHITEHALL FDS INC HIGH DIV YLD 921946406 592 7,590 SH   SOLE NONE 0 0 7,590
ISHARES TR CORE S&P500 ETF 464287200 18,480 73,445 SH   SOLE NONE 0 0 73,445
ISHARES TR 0-5YR INVT GR CP 46434V100 566 11,419 SH   SOLE NONE 0 0 11,419
ISHARES TR SHORT TREAS BD 464288679 12,460 112,966 SH   SOLE NONE 0 0 112,966
SPDR SERIES TRUST PORTFOLIO TL STK 78464A805 2,362 76,406 SH   SOLE NONE 0 0 76,406
ISHARES TR MSCI CHINA ETF 46429B671 1,216 23,114 SH   SOLE NONE 0 0 23,114
INVESCO EXCHNG TRADED FD TR SR LN ETF 46138G508 1,819 83,514 SH   SOLE NONE 0 0 83,514