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
3M Company Common Stock Common 88579Y101 221 1,275 SH   SOLE 1,275 0 0
Aberdeen Std Gold ETF TR Physical Swiss Gold Shares Common 26922Y105 374 2,750 SH   SOLE 2,750 0 0
Alibaba Group Holding F Sponsored Adr Common 01609W102 246 1,449 SH   SOLE 1,449 0 0
Alphabet Inc. Class A Common 02079K305 505 466 SH   SOLE 466 0 0
Amazon.com Inc. Common 023135106 1,100 581 SH   SOLE 581 0 0
Amgen Inc. Common 031162100 258 1,400 SH   SOLE 1,400 0 0
Annaly Capital Mgmt Reit Common 035710409 731 80,093 SH   SOLE 80,093 0 0
Apple Inc. Common 037833100 3,994 20,182 SH   SOLE 20,182 0 0
Arista Networks Inc Common 040413106 1,116 4,300 SH   SOLE 4,300 0 0
Bayer Ag F Sponsored Adr Common 072730302 562 32,200 SH   SOLE 32,200 0 0
Berkshire Hathaway Inc. New Com Common 084670702 777 3,646 SH   SOLE 3,646 0 0
Brit Amer Tobacco F Sponsored Adr Common 110448107 279 8,000 SH   SOLE 8,000 0 0
Caterpillar Inc. Common Stock Common 149123101 504 3,700 SH   SOLE 3,700 0 0
Cisco Systems Inc. Common 17275R102 817 14,932 SH   SOLE 14,932 0 0
Dividend Sustainability series 2018 3Q Common 00774X275 125 12,186 SH   SOLE 12,186 0 0
Edwards Lifesciences Common 28176E108 303 1,641 SH   SOLE 1,641 0 0
Exxon Mobil Corp Common 30231G102 351 4,583 SH   SOLE 4,583 0 0
Fiat Chrysler Automobiles N V Shs Isin#nl0010877643 Common N31738102 152 11,000 SH   SOLE 11,000 0 0
Flexshares Upstream Natural Idx Etf Common 33939L407 387 11,715 SH   SOLE 11,715 0 0
Goldman Sachs Active Beta US Large Cap Common 381430503 739 12,574 SH   SOLE 12,574 0 0
Guggenheim S&P 500 Equal Weight (RSP) Common 78355W106 1,608 14,916 SH   SOLE 14,916 0 0
Honeywell Intl Inc Common 438516106 277 1,588 SH   SOLE 1,588 0 0
Intel Corporation Common 458140100 354 7,403 SH   SOLE 7,403 0 0
Invesco Qqq Trust Common 73935A104 3,123 16,722 SH   SOLE 16,722 0 0
iShares Cohen & Steers REIT ETF Common 464287564 1,170 10,390 SH   SOLE 10,390 0 0
Ishares Core Msci Emerging Etf Common 46434G103 323 6,284 SH   SOLE 6,284 0 0
iShares Core MSCI Total Intl Stk Common 46432F834 2,131 36,340 SH   SOLE 36,340 0 0
Ishares Core Us Growth Etf (was IWZ Russwell 3000 Growth) Common 464287671 2,283 36,420 SH   SOLE 36,420 0 0
iShares Edge MSCI USA Quality F Common 46432F339 1,044 11,414 SH   SOLE 11,414 0 0
Ishares Esg Msci Eafe Etf Common 46435G516 250 3,890 SH   SOLE 3,890 0 0
Ishares Esg Msci Em Etf Common 46434G863 1,595 46,905 SH   SOLE 46,905 0 0
iShares Europe ETF Common 464287861 316 7,180 SH   SOLE 7,180 0 0
Ishares Global Clean Energy Etf Iv Common 464288224 133 12,530 SH   SOLE 12,530 0 0
iShares Global Healthcare ETF Common 464287325 1,427 23,132 SH   SOLE 23,132 0 0
ishares Gold Trust Common 464285105 4,719 349,555 SH   SOLE 349,555 0 0
iShares iBoxx $ Investment Grad Common 464287242 1,422 11,436 SH   SOLE 11,436 0 0
Ishares Iboxx High Yield Bond Etf Common 464288513 340 3,895 SH   SOLE 3,895 0 0
iShares J.P. Morgan USD Emergin Common 464288281 1,225 10,811 SH   SOLE 10,811 0 0
iShares KLD 400 Social Index Common 464288570 305 2,785 SH   SOLE 2,785 0 0
iShares MSCI EAFE Growth ETF Common 464288885 496 6,142 SH   SOLE 6,142 0 0
iShares MSCI Emerging Index Fun Common 464287234 636 14,826 SH   SOLE 14,826 0 0
iShares MSCI Germany Index Fund Common 464286806 270 9,625 SH   SOLE 9,625 0 0
Ishares MSCI Global Gold Miners EFT Common 46434G855 411 20,130 SH   SOLE 20,130 0 0
iShares Nasdaq Biotechnology In Common 464287556 1,512 13,858 SH   SOLE 13,858 0 0
Ishares National Muni Bond Etf Common 464288414 2,338 20,675 SH   SOLE 20,675 0 0
Ishares Preferred Income Sec Etf Common 464288687 424 11,513 SH   SOLE 11,513 0 0
iShares Russell 1000 Growth ETF Common 464287614 5,645 35,880 SH   SOLE 35,880 0 0
Ishares Russell Mid Cap Growth Etf Common 464287481 220 1,545 SH   SOLE 1,545 0 0
iShares S&P 500 Value ETF Common 464287408 822 7,052 SH   SOLE 7,052 0 0
ISHARES S&P GSTI TECHNOLOGY I (IGM Common 464287549 5,276 24,464 SH   SOLE 24,464 0 0
iShares S&P SmallCap 600 Growth Common 464287887 1,972 10,808 SH   SOLE 10,808 0 0
iShares Select Dividend ETF Common 464287168 8,409 84,467 SH   SOLE 84,467 0 0
Ishares Short Maturity Bond Etf Common 46431W507 541 10,740 SH   SOLE 10,740 0 0
Ishares Short Term Ntnl Mun Bnd Etf Common 464288158 1,012 9,500 SH   SOLE 9,500 0 0
Ishares Short Treasury Bond Etf Common 464288679 5,756 52,020 SH   SOLE 52,020 0 0
iShares Treasury Floating Rate Bond ETF Common 46434V860 613 12,190 SH   SOLE 12,190 0 0
Ishares Ultra Short Term Bond Etf Common 46434V878 548 10,878 SH   SOLE 10,878 0 0
Ishr Edg Msci Min Vol Emg Mkt Etf Common 464286533 924 15,695 SH   SOLE 15,695 0 0
Johnson & Johnson Common Stock Common 478160104 1,295 9,298 SH   SOLE 9,298 0 0
Lockheed Martin Corp Common 539830109 271 746 SH   SOLE 746 0 0
Medtronic plc. Ordinary Shares Common G5960L103 263 2,705 SH   SOLE 2,705 0 0
Microsoft Corporation Common 594918104 674 5,030 SH   SOLE 5,030 0 0
Nestle S A F Sponsored Adr Common 641069406 274 2,650 SH   SOLE 2,650 0 0
Nestle Sa Ordf Common H57312649 628 6,065 SH   SOLE 6,065 0 0
Oracle Corporation Common Stock Common 68389X105 402 7,050 SH   SOLE 7,050 0 0
Pepsico Inc. Common Stock Common 713448108 306 2,335 SH   SOLE 2,335 0 0
Pfizer Inc. Common Stock Common 717081103 780 17,995 SH   SOLE 17,995 0 0
Philip Morris International Inc Common 718172109 691 8,800 SH   SOLE 8,800 0 0
Pimco Enhanced Shrt Maturty Actv Etf Common 72201R833 728 7,150 SH   SOLE 7,150 0 0
PowerShares DB Optm Yd Dvrs Cdty Srt ETF (PDBC) No K-1 Common 73937V106 668 40,835 SH   SOLE 40,835 0 0
Powershares Momentum Factor Common 46432F396 2,453 20,680 SH   SOLE 20,680 0 0
Procter & Gamble Company (The) Common 742718109 518 4,725 SH   SOLE 4,725 0 0
Royal Dutch Shell Plc Sponsored Adr Resptg A Shs Common 780259206 244 3,750 SH   SOLE 3,750 0 0
Schwab International Equity Etf Common 808524805 213 6,644 SH   SOLE 6,644 0 0
Schwab Internatnal Small Cap Eqy Etf Common 808524888 381 11,673 SH   SOLE 11,673 0 0
Schwab Short Term Us Treasury Etf Common 808524862 297 5,865 SH   SOLE 5,865 0 0
Schwab Us Tips Etf Common 808524870 2,617 46,473 SH   SOLE 46,473 0 0
Southern Co Common 842587107 371 6,705 SH   SOLE 6,705 0 0
SPDR Bloomberg Barclays High Yi Common 78464A417 340 3,123 SH   SOLE 3,123 0 0
SPDR Gold Shares (GLD) Common 78463V107 732 5,495 SH   SOLE 5,495 0 0
SPDR Nuveen S&P High Yield Muni Bd ETF Common 78464A284 263 4,500 SH   SOLE 4,500 0 0
SPDR S&P 500 Common 78462F103 1,487 5,076 SH   SOLE 5,076 0 0
Spyder Global Natural Resources Common 78463X541 680 14,825 SH   SOLE 14,825 0 0
Unitedhealth Grp Inc Common 91324P102 251 1,029 SH   SOLE 1,029 0 0
Vaneck Vectors Amt-free Short Municipal Index Common 92189F528 239 13,500 SH   SOLE 13,500 0 0
VanEck Vectors Gold Miners ETF Common 92189F106 677 26,491 SH   SOLE 26,491 0 0
Vanguard Dividend Appreciation ETF Common 921908844 4,929 42,806 SH   SOLE 42,806 0 0
Vanguard Emerging Markets Bond Index Common 921946885 327 4,070 SH   SOLE 4,070 0 0
Vanguard Esg Us Stock Etf Common 921910733 306 5,990 SH   SOLE 5,990 0 0
Vanguard Financials ETF (VFH Common 92204A405 277 4,020 SH   SOLE 4,020 0 0
Vanguard Ftse All World Ex Us Etf Common 922042775 623 12,220 SH   SOLE 12,220 0 0
Vanguard FTSE Developed Markets ETF Common 921943858 1,615 38,715 SH   SOLE 38,715 0 0
Vanguard Ftse Emerging Markets Etf Common 922042858 5,388 126,680 SH   SOLE 126,680 0 0
Vanguard Ftse Europe Etf Common 922042874 1,031 18,781 SH   SOLE 18,781 0 0
Vanguard Ftse Pacific Etf Common 922042866 574 8,691 SH   SOLE 8,691 0 0
Vanguard Glbal Ex Us Real Estate Etf Common 922042676 224 3,793 SH   SOLE 3,793 0 0
Vanguard Growth Etf Common 922908736 21,678 132,676 SH   SOLE 132,676 0 0
Vanguard Health Care Etf Common 92204A504 2,145 12,331 SH   SOLE 12,331 0 0
Vanguard High Dividend Yield Indx ETF Common 921946406 15,001 171,676 SH   SOLE 171,676 0 0
Vanguard Information Technology ETF Common 92204A702 4,334 20,550 SH   SOLE 20,550 0 0
Vanguard Intermediate Term Bond Etf Common 921937819 3,361 38,858 SH   SOLE 38,858 0 0
Vanguard Interm-Tm Corp Bd Idx ETF Common 92206C870 8,315 92,539 SH   SOLE 92,539 0 0
Vanguard Long Term Bond Etf Common 921937793 2,054 21,158 SH   SOLE 21,158 0 0
Vanguard Long-Term Corp Bond Idx ETF Common 92206C813 7,952 82,085 SH   SOLE 82,085 0 0
Vanguard Materials Etf Common 92204A801 359 2,802 SH   SOLE 2,802 0 0
Vanguard Mega Cap Growth Etf Common 921910816 491 3,795 SH   SOLE 3,795 0 0
Vanguard Mid-Cap ETF Common 922908629 764 4,568 SH   SOLE 4,568 0 0
Vanguard Mid-Cap Growth ETF - D Common 922908538 2,186 14,639 SH   SOLE 14,639 0 0
Vanguard Mid-Cap Value ETF Common 922908512 3,029 27,202 SH   SOLE 27,202 0 0
Vanguard Real Estate Etf Common 922908553 2,629 30,076 SH   SOLE 30,076 0 0
Vanguard S&p 500 Etf Common 922908363 2,599 9,655 SH   SOLE 9,655 0 0
Vanguard Short Term Bond Index Common 921937827 6,742 83,717 SH   SOLE 83,717 0 0
Vanguard Short-Term Corp Bd Idx ETF Common 92206C409 13,873 171,949 SH   SOLE 171,949 0 0
Vanguard Short-Term Infl-Prot Secs ETF` Common 922020805 3,836 77,770 SH   SOLE 77,770 0 0
Vanguard Small Cap ETF Common 922908751 1,833 11,700 SH   SOLE 11,700 0 0
Vanguard Small-Cap Value ETF Common 922908611 2,661 20,383 SH   SOLE 20,383 0 0
Vanguard Tax-Exempt Bond ETF Common 922907746 234 4,400 SH   SOLE 4,400 0 0
Vanguard Total Bond Market ETF Common 921937835 2,373 28,570 SH   SOLE 28,570 0 0
Vanguard Total International Bo Common 92203J407 936 16,327 SH   SOLE 16,327 0 0
Vanguard Total International Stk Etf Common 921909768 14,470 274,315 SH   SOLE 274,315 0 0
Vanguard Total Stock Market Etf Common 922908769 1,018 6,784 SH   SOLE 6,784 0 0
Vanguard Value ETF Common 922908744 3,509 31,633 SH   SOLE 31,633 0 0
Verizon Communications Common 92343V104 291 5,100 SH   SOLE 5,100 0 0
Walmart Inc Common 931142103 845 7,645 SH   SOLE 7,645 0 0
Wisdomtree Japan Hedged Equity Etf Common 97717W851 331 6,800 SH   SOLE 6,800 0 0
Wpp Plc New Adr Isin#us92937a1025 Common 92937A102 311 4,950 SH   SOLE 4,950 0 0