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
3M CO COM 88579Y101 7,187 40,970 SH   SOLE   0 0 40,970
AIR PRODS & CHEMS INC COM 009158106 1,488 5,811 SH   SOLE   0 0 5,811
ALPHABET INC CAP STK CL A 02079K305 2,986 1,117 SH   SOLE   0 0 1,117
AMAZON COM INC COM 023135106 3,623 1,103 SH   SOLE   0 0 1,103
AMGEN INC COM 031162100 7,124 33,500 SH   SOLE   0 0 33,500
APPLE INC COM 037833100 2,913 20,585 SH   SOLE   0 0 20,585
CABOT OIL & GAS CORP COM 127097103 1,627 74,763 SH   SOLE   0 0 74,763
CATERPILLAR INC COM 149123101 2,192 11,420 SH   SOLE   0 0 11,420
CHEVRON CORP NEW COM 166764100 8,735 86,102 SH   SOLE   0 0 86,102
CISCO SYS INC COM 17275R102 7,559 138,880 SH   SOLE   0 0 138,880
CONOCOPHILLIPS COM 20825C104 3,299 48,680 SH   SOLE   0 0 48,680
ECOLAB INC COM 278865100 1,792 8,590 SH   SOLE   0 0 8,590
EXACT SCIENCES CORP COM 30063P105 319 3,340 SH   SOLE   0 0 3,340
EXXON MOBIL CORP COM 30231G102 358 6,082 SH   SOLE   0 0 6,082
FIRST TR EXCHANGE-TRADED FD FIRST TR TA HIYL 33738D408 4,601 95,475 SH   SOLE   0 0 95,475
HOME DEPOT INC COM 437076102 7,777 23,692 SH   SOLE   0 0 23,692
HONEYWELL INTL INC COM 438516106 5,342 25,163 SH   SOLE   0 0 25,163
HUMANA INC COM 444859102 3,591 9,229 SH   SOLE   0 0 9,229
INDEXIQ ACTIVE ETF TR IQ MACKAY INSRED 45409F843 1,560 56,868 SH   SOLE   0 0 56,868
INTEL CORP COM 458140100 7,462 140,061 SH   SOLE   0 0 140,061
INTUIT COM 461202103 1,489 2,759 SH   SOLE   0 0 2,759
INVESCO EXCH TRADED FD TR II TAXABLE MUN BD 46138G805 2,054 62,427 SH   SOLE   0 0 62,427
INVESCO QQQ TR UNIT SER 1 46090E103 6,159 17,205 SH   SOLE   0 0 17,205
INVESTMENT MANAGERS SER TR KNOWLEDGE LEADER 46143U849 205 4,374 SH   SOLE   0 0 4,374
ISHARES TR 3 7 YR TREAS BD 464288661 1,139 8,748 SH   SOLE   0 0 8,748
ISHARES TR CORE US AGGBD ET 464287226 604 5,257 SH   SOLE   0 0 5,257
ISHARES TR EAFE GRWTH ETF 464288885 4,907 46,089 SH   SOLE   0 0 46,089
ISHARES TR MSCI EAFE ETF 464287465 5,128 65,730 SH   SOLE   0 0 65,730
ISHARES TR MSCI EMG MKT ETF 464287234 6,383 126,691 SH   SOLE   0 0 126,691
ISHARES TR MSCI INTL QUALTY 46434V456 5,424 143,183 SH   SOLE   0 0 143,183
ISHARES TR MSCI USA MIN VOL 46429B697 333 4,533 SH   SOLE   0 0 4,533
ISHARES TR RUS MD CP GR ETF 464287481 7,804 69,639 SH   SOLE   0 0 69,639
ISHARES TR RUS TP200 GR ETF 464289438 4,151 27,188 SH   SOLE   0 0 27,188
ISHARES TR RUSSELL 2000 ETF 464287655 7,092 32,422 SH   SOLE   0 0 32,422
ISHARES TR RUSSELL 3000 ETF 464287689 225 883 SH   SOLE   0 0 883
JOHNSON & JOHNSON COM 478160104 7,323 45,346 SH   SOLE   0 0 45,346
JPMORGAN CHASE & CO COM 46625H100 1,651 10,086 SH   SOLE   0 0 10,086
KIMBERLY-CLARK CORP COM 494368103 1,522 11,491 SH   SOLE   0 0 11,491
MCDONALDS CORP COM 580135101 1,555 6,450 SH   SOLE   0 0 6,450
MICROSOFT CORP COM 594918104 3,119 11,063 SH   SOLE   0 0 11,063
NORWEGIAN CRUISE LINE HLDG L SHS G66721104 2,312 86,566 SH   SOLE   0 0 86,566
PHILLIPS 66 COM 718546104 3,082 44,016 SH   SOLE   0 0 44,016
PROGRESSIVE CORP COM 743315103 1,487 16,452 SH   SOLE   0 0 16,452
S&P GLOBAL INC COM 78409V104 2,307 5,429 SH   SOLE   0 0 5,429
SPDR S&P 500 ETF TR TR UNIT 78462F103 35,472 82,658 SH   SOLE   0 0 82,658
SPDR SER TR NUVEEN BBG BRCLY 78464A284 428 7,140 SH   SOLE   0 0 7,140
TARGET CORP COM 87612E106 1,455 6,361 SH   SOLE   0 0 6,361
TEXAS INSTRS INC COM 882508104 8,411 43,759 SH   SOLE   0 0 43,759
UNION PAC CORP COM 907818108 2,191 11,180 SH   SOLE   0 0 11,180
UNITEDHEALTH GROUP INC COM 91324P102 2,228 5,702 SH   SOLE   0 0 5,702
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 4,013 48,970 SH   SOLE   0 0 48,970
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 3,180 55,835 SH   SOLE   0 0 55,835
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 351 891 SH   SOLE   0 0 891
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 5,333 34,722 SH   SOLE   0 0 34,722
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 286 2,765 SH   SOLE   0 0 2,765
VERIZON COMMUNICATIONS INC COM 92343V104 2,372 43,909 SH   SOLE   0 0 43,909
VERTEX PHARMACEUTICALS INC COM 92532F100 1,461 8,055 SH   SOLE   0 0 8,055
VISA INC COM CL A 92826C839 6,747 30,289 SH   SOLE   0 0 30,289
WALMART INC COM 931142103 1,535 11,015 SH   SOLE   0 0 11,015