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
ABBOTT LABS COM 002824100 3,401 25,051 SH   SOLE   0 0 25,051
ABBVIE INC COM 00287Y109 2,205 16,312 SH   SOLE   0 0 16,312
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 3,053 7,551 SH   SOLE   0 0 7,551
ADOBE SYSTEMS INCORPORATED COM 00724F101 639 1,153 SH   SOLE   0 0 1,153
AIRBNB INC COM CL A 009066101 603 3,529 SH   SOLE   0 0 3,529
ALPHABET INC CAP STK CL A 02079K305 2,617 906 SH   SOLE   0 0 906
ALPHABET INC CAP STK CL C 02079K107 1,924 666 SH   SOLE   0 0 666
AMAZON COM INC COM 023135106 4,577 1,366 SH   SOLE   0 0 1,366
AMERICAN EXPRESS CO COM 025816109 418 2,406 SH   SOLE   0 0 2,406
AMERICAN TOWER CORP NEW COM 03027X100 1,041 3,683 SH   SOLE   0 0 3,683
ANALOG DEVICES INC COM 032654105 1,383 7,878 SH   SOLE   0 0 7,878
ANTHEM INC COM 036752103 678 1,480 SH   SOLE   0 0 1,480
AON PLC SHS CL A G0403H108 263 893 SH   SOLE   0 0 893
APPLE INC COM 037833100 10,130 56,370 SH   SOLE   0 0 56,370
AT&T INC COM 00206R102 1,093 42,612 SH   SOLE   0 0 42,612
AUTOMATIC DATA PROCESSING IN COM 053015103 774 3,158 SH   SOLE   0 0 3,158
AVANTOR INC COM 05352A100 238 6,070 SH   SOLE   0 0 6,070
BALL CORP COM 058498106 209 2,321 SH   SOLE   0 0 2,321
BANK NEW YORK MELLON CORP COM 064058100 271 4,480 SH   SOLE   0 0 4,480
BAXTER INTL INC COM 071813109 332 3,772 SH   SOLE   0 0 3,772
BECTON DICKINSON & CO COM 075887109 482 1,913 SH   SOLE   0 0 1,913
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 3,090 10,016 SH   SOLE   0 0 10,016
BERKSHIRE HATHAWAY INC DEL CL A 084670108 466 1 SH   SOLE   0 0 1
BK OF AMERICA CORP COM 060505104 1,197 24,951 SH   SOLE   0 0 24,951
BLACKROCK INC COM 09247X101 1,816 1,980 SH   SOLE   0 0 1,980
BLACKSTONE INC COM 09260D107 540 4,320 SH   SOLE   0 0 4,320
BOEING CO COM 097023105 233 1,092 SH   SOLE   0 0 1,092
BP PLC SPONSORED ADR 055622104 240 8,391 SH   SOLE   0 0 8,391
BRISTOL-MYERS SQUIBB CO COM 110122108 587 9,450 SH   SOLE   0 0 9,450
CALUMET SPECIALTY PRODS PART UT LTD PARTNER 131476103 4,042 266,830 SH   SOLE   0 0 266,830
CATERPILLAR INC COM 149123101 1,787 8,192 SH   SOLE   0 0 8,192
CBRE GROUP INC CL A 12504L109 317 2,874 SH   SOLE   0 0 2,874
CHEVRON CORP NEW COM 166764100 273 2,247 SH   SOLE   0 0 2,247
CHUBB LIMITED COM H1467J104 415 2,124 SH   SOLE   0 0 2,124
CISCO SYS INC COM 17275R102 1,026 16,756 SH   SOLE   0 0 16,756
CITIZENS FINL GROUP INC COM 174610105 492 9,576 SH   SOLE   0 0 9,576
CLEAN HARBORS INC COM 184496107 5,315 53,784 SH   SOLE   0 0 53,784
COCA COLA CO COM 191216100 1,279 21,206 SH   SOLE   0 0 21,206
COLGATE PALMOLIVE CO COM 194162103 523 6,164 SH   SOLE   0 0 6,164
COMCAST CORP NEW CL A 20030N101 647 12,886 SH   SOLE   0 0 12,886
COSTCO WHSL CORP NEW COM 22160K105 1,544 2,736 SH   SOLE   0 0 2,736
CROWN CASTLE INTL CORP NEW COM 22822V101 279 1,378 SH   SOLE   0 0 1,378
CUMMINS INC COM 231021106 514 2,256 SH   SOLE   0 0 2,256
CVS HEALTH CORP COM 126650100 1,404 13,467 SH   SOLE   0 0 13,467
DANAHER CORPORATION COM 235851102 1,966 6,398 SH   SOLE   0 0 6,398
DEUTSCHE BANK A G NAMEN AKT D18190898 293 22,166 SH   SOLE   0 0 22,166
DEXCOM INC COM 252131107 325 635 SH   SOLE   0 0 635
DIGITAL RLTY TR INC COM 253868103 613 3,624 SH   SOLE   0 0 3,624
DISNEY WALT CO COM 254687106 2,158 13,856 SH   SOLE   0 0 13,856
DOLLAR GEN CORP NEW COM 256677105 1,484 6,352 SH   SOLE   0 0 6,352
DOW INC COM 260557103 260 4,451 SH   SOLE   0 0 4,451
EQUINIX INC COM 29444U700 222 272 SH   SOLE   0 0 272
EXXON MOBIL CORP COM 30231G102 760 11,532 SH   SOLE   0 0 11,532
FACEBOOK INC CL A 30303M102 739 2,195 SH   SOLE   0 0 2,195
FEDEX CORP COM 31428X106 348 1,312 SH   SOLE   0 0 1,312
FORD MTR CO DEL COM 345370860 204 8,382 SH   SOLE   0 0 8,382
GENERAL ELECTRIC CO COM NEW 369604301 762 7,672 SH   SOLE   0 0 7,672
GOLDMAN SACHS ETF TR ACCES TREASURY 381430529 1,776 17,755 SH   SOLE   0 0 17,755
GOLDMAN SACHS GROUP INC COM 38141G104 1,862 4,569 SH   SOLE   0 0 4,569
HERITAGE CRYSTAL CLEAN INC COM 42726M106 3,244 99,429 SH   SOLE   0 0 99,429
HOME DEPOT INC COM 437076102 2,494 6,042 SH   SOLE   0 0 6,042
HONEYWELL INTL INC COM 438516106 1,245 5,958 SH   SOLE   0 0 5,958
ICON PLC SHS G4705A100 246 854 SH   SOLE   0 0 854
ILLINOIS TOOL WKS INC COM 452308109 1,052 4,249 SH   SOLE   0 0 4,249
INTEL CORP COM 458140100 701 13,199 SH   SOLE   0 0 13,199
INTERCONTINENTAL EXCHANGE IN COM 45866F104 962 7,178 SH   SOLE   0 0 7,178
INTERNATIONAL BUSINESS MACHS COM 459200101 346 2,507 SH   SOLE   0 0 2,507
INTUITIVE SURGICAL INC COM NEW 46120E602 549 1,547 SH   SOLE   0 0 1,547
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354 809 11,888 SH   SOLE   0 0 11,888
INVESCO EXCHANGE TRADED FD T S&P500 QUALITY 46137V241 272 5,057 SH   SOLE   0 0 5,057
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 5,330 32,458 SH   SOLE   0 0 32,458
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613 1,223 6,991 SH   SOLE   0 0 6,991
INVESCO QQQ TR UNIT SER 1 46090E103 244 615 SH   SOLE   0 0 615
ISHARES INC CORE MSCI EMKT 46434G103 595 9,919 SH   SOLE   0 0 9,919
ISHARES TR CORE S&P500 ETF 464287200 21,183 44,161 SH   SOLE   0 0 44,161
ISHARES TR CORE DIV GRWTH 46434V621 5,264 93,903 SH   SOLE   0 0 93,903
ISHARES TR RUS MDCP VAL ETF 464287473 31,519 255,031 SH   SOLE   0 0 255,031
ISHARES TR RUSSELL 2000 ETF 464287655 493 2,193 SH   SOLE   0 0 2,193
ISHARES TR CORE MSCI EAFE 46432F842 4,786 63,414 SH   SOLE   0 0 63,414
ISHARES TR CORE S&P SCP ETF 464287804 26,511 227,190 SH   SOLE   0 0 227,190
ISHARES TR MORNINGSTAR GRWT 464287119 777 10,892 SH   SOLE   0 0 10,892
ISHARES TR MSCI EMG MKT ETF 464287234 240 4,898 SH   SOLE   0 0 4,898
ISHARES TR BLACKROCK ULTRA 46434V878 571 11,326 SH   SOLE   0 0 11,326
ISHARES TR MRGSTR MD CP GRW 464288307 711 9,876 SH   SOLE   0 0 9,876
ISHARES TR CORE TOTAL USD 46434V613 5,443 103,583 SH   SOLE   0 0 103,583
ISHARES TR CORE US AGGBD ET 464287226 1,310 11,561 SH   SOLE   0 0 11,561
ISHARES TR S&P 500 VAL ETF 464287408 1,033 6,499 SH   SOLE   0 0 6,499
ISHARES TR NATIONAL MUN ETF 464288414 3,507 30,190 SH   SOLE   0 0 30,190
ISHARES TR S&P MC 400GR ETF 464287606 506 5,952 SH   SOLE   0 0 5,952
ISHARES TR CORE S&P US VLU 464287663 27,386 353,407 SH   SOLE   0 0 353,407
ISHARES TR 3 7 YR TREAS BD 464288661 1,336 10,421 SH   SOLE   0 0 10,421
ISHARES TR SHRT NAT MUN ETF 464288158 3,375 31,459 SH   SOLE   0 0 31,459
ISHARES TR CORE 1 5 YR USD 46432F859 10,027 199,113 SH   SOLE   0 0 199,113
ISHARES TR MSCI USA VALUE 46432F388 1,318 11,660 SH   SOLE   0 0 11,660
ISHARES TR BARCLAYS 7 10 YR 464287440 257 2,258 SH   SOLE   0 0 2,258
ISHARES TR MSCI EAFE ETF 464287465 1,690 21,215 SH   SOLE   0 0 21,215
ISHARES TR S&P 500 GRWT ETF 464287309 2,580 30,900 SH   SOLE   0 0 30,900
ISHARES TR MSCI USA MULTIFT 46434V282 2,495 53,321 SH   SOLE   0 0 53,321
ISHARES TR MSCI USA SMCP MN 46435G433 297 7,603 SH   SOLE   0 0 7,603
ISHARES TR MORNINGSTR US EQ 464287127 283 4,245 SH   SOLE   0 0 4,245
ISHARES TR S&P MC 400VL ETF 464287705 10,204 90,416 SH   SOLE   0 0 90,416
ISHARES TR SP SMCP600VL ETF 464287879 410 3,821 SH   SOLE   0 0 3,821
ISHARES TR PFD AND INCM SEC 464288687 1,854 47,599 SH   SOLE   0 0 47,599
ISHARES TR MSCI ACWI EX US 464288240 289 5,153 SH   SOLE   0 0 5,153
ISHARES TR FLTG RATE NT ETF 46429B655 7,108 140,246 SH   SOLE   0 0 140,246
ISHARES TR MSCI USA QLT FCT 46432F339 7,756 53,487 SH   SOLE   0 0 53,487
ISHARES TR MORNINGSTAR VALU 464288109 229 3,243 SH   SOLE   0 0 3,243
ISHARES TR S&P 100 ETF 464287101 206 933 SH   SOLE   0 0 933
ISHARES TR SELECT DIVID ETF 464287168 202 1,621 SH   SOLE   0 0 1,621
ISHARES TR U.S. FINLS ETF 464287788 201 2,245 SH   SOLE   0 0 2,245
ISHARES TR RUS MID CAP ETF 464287499 671 8,092 SH   SOLE   0 0 8,092
ISHARES TR MRGSTR MD CP ETF 464288208 259 3,632 SH   SOLE   0 0 3,632
ISHARES TR RUS 2000 VAL ETF 464287630 21,891 129,373 SH   SOLE   0 0 129,373
ISHARES TR CORE S&P MCP ETF 464287507 13,140 46,047 SH   SOLE   0 0 46,047
ISHARES TR CORE S&P US GWT 464287671 23,420 202,947 SH   SOLE   0 0 202,947
ISHARES TR CORE S&P TTL STK 464287150 3,762 35,015 SH   SOLE   0 0 35,015
ISHARES TR TIPS BD ETF 464287176 265 2,070 SH   SOLE   0 0 2,070
ISHARES TR MRGSTR SM CP GR 464288604 599 12,093 SH   SOLE   0 0 12,093
ISHARES TR MRGSTR MD CP VAL 464288406 224 3,235 SH   SOLE   0 0 3,235
ISHARES TR ISHS 1-5YR INVS 464288646 245 4,554 SH   SOLE   0 0 4,554
ISHARES TR CORE MSCI TOTAL 46432F834 12,740 178,354 SH   SOLE   0 0 178,354
ISHARES TR RUS MD CP GR ETF 464287481 9,511 84,621 SH   SOLE   0 0 84,621
ISHARES TR MSCI USA MIN VOL 46429B697 5,656 70,591 SH   SOLE   0 0 70,591
ISHARES U S ETF TR BLACKROCK ST MAT 46431W507 7,035 140,825 SH   SOLE   0 0 140,825
J P MORGAN EXCHANGE-TRADED F ULTRA SHRT INC 46641Q837 271 5,361 SH   SOLE   0 0 5,361
JOHNSON & JOHNSON COM 478160104 2,517 14,714 SH   SOLE   0 0 14,714
JPMORGAN CHASE & CO COM 46625H100 2,392 14,253 SH   SOLE   0 0 14,253
LABORATORY CORP AMER HLDGS COM NEW 50540R409 291 1,004 SH   SOLE   0 0 1,004
LAUDER ESTEE COS INC CL A 518439104 215 579 SH   SOLE   0 0 579
LILLY ELI & CO COM 532457108 17,746 66,512 SH   SOLE   0 0 66,512
LINDE PLC SHS G5494J103 378 1,095 SH   SOLE   0 0 1,095
LOCKHEED MARTIN CORP COM 539830109 1,568 4,333 SH   SOLE   0 0 4,333
LOWES COS INC COM 548661107 981 3,775 SH   SOLE   0 0 3,775
MARRIOTT INTL INC NEW CL A 571903202 1,181 7,027 SH   SOLE   0 0 7,027
MARSH & MCLENNAN COS INC COM 571748102 445 2,662 SH   SOLE   0 0 2,662
MASIMO CORP COM 574795100 246 880 SH   SOLE   0 0 880
MASTERCARD INCORPORATED CL A 57636Q104 1,197 3,190 SH   SOLE   0 0 3,190
MCDONALDS CORP COM 580135101 1,929 7,185 SH   SOLE   0 0 7,185
MEDTRONIC PLC SHS G5960L103 1,169 10,990 SH   SOLE   0 0 10,990
MERCK & CO INC COM 58933Y105 739 9,593 SH   SOLE   0 0 9,593
MICROCHIP TECHNOLOGY INC. COM 595017104 1,030 11,773 SH   SOLE   0 0 11,773
MICROSOFT CORP COM 594918104 9,111 27,693 SH   SOLE   0 0 27,693
MONDELEZ INTL INC CL A 609207105 333 5,010 SH   SOLE   0 0 5,010
MORGAN STANLEY COM NEW 617446448 1,308 12,541 SH   SOLE   0 0 12,541
NEXTERA ENERGY INC COM 65339F101 433 4,776 SH   SOLE   0 0 4,776
NIKE INC CL B 654106103 1,904 11,446 SH   SOLE   0 0 11,446
NORTHROP GRUMMAN CORP COM 666807102 252 635 SH   SOLE   0 0 635
NUVEEN SELECT TAX-FREE INCOM SH BEN INT 67062F100 254 16,188 SH   SOLE   0 0 16,188
NVIDIA CORPORATION COM 67066G104 2,454 8,378 SH   SOLE   0 0 8,378
ORACLE CORP COM 68389X105 376 4,236 SH   SOLE   0 0 4,236
PAYPAL HLDGS INC COM 70450Y103 1,931 10,103 SH   SOLE   0 0 10,103
PENUMBRA INC COM 70975L107 1,342 4,850 SH   SOLE   0 0 4,850
PEPSICO INC COM 713448108 1,841 10,625 SH   SOLE   0 0 10,625
PFIZER INC COM 717081103 1,541 28,267 SH   SOLE   0 0 28,267
PPG INDS INC COM 693506107 1,075 6,278 SH   SOLE   0 0 6,278
PROCTER AND GAMBLE CO COM 742718109 1,938 11,857 SH   SOLE   0 0 11,857
PROSHARES TR SHORT S&P 500 NE 74347B425 335 24,724 SH   SOLE   0 0 24,724
QUALCOMM INC COM 747525103 2,422 12,933 SH   SOLE   0 0 12,933
REPUBLIC SVCS INC COM 760759100 645 4,722 SH   SOLE   0 0 4,722
ROCKWELL AUTOMATION INC COM 773903109 240 700 SH   SOLE   0 0 700
ROPER TECHNOLOGIES INC COM 776696106 215 457 SH   SOLE   0 0 457
SALESFORCE COM INC COM 79466L302 721 2,903 SH   SOLE   0 0 2,903
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 1,428 12,487 SH   SOLE   0 0 12,487
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 4,016 49,105 SH   SOLE   0 0 49,105
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 636 6,155 SH   SOLE   0 0 6,155
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 1,176 7,230 SH   SOLE   0 0 7,230
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 461 5,696 SH   SOLE   0 0 5,696
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730 260 8,296 SH   SOLE   0 0 8,296
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 1,097 9,665 SH   SOLE   0 0 9,665
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 533 3,071 SH   SOLE   0 0 3,071
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 391 1,869 SH   SOLE   0 0 1,869
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 382 2,774 SH   SOLE   0 0 2,774
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704 1,480 13,822 SH   SOLE   0 0 13,822
SELECT SECTOR SPDR TR ENERGY 81369Y506 2,520 42,572 SH   SOLE   0 0 42,572
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100 726 8,015 SH   SOLE   0 0 8,015
SELECT SECTOR SPDR TR FINANCIAL 81369Y605 400 9,847 SH   SOLE   0 0 9,847
SERVICENOW INC COM 81762P102 516 854 SH   SOLE   0 0 854
SKYLINE CHAMPION CORPORATION COM 830830105 792 10,000 SH   SOLE   0 0 10,000
SOUTHWEST AIRLS CO COM 844741108 259 5,800 SH   SOLE   0 0 5,800
SPDR GOLD TR GOLD SHS 78463V107 590 3,480 SH   SOLE   0 0 3,480
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 279 7,578 SH   SOLE   0 0 7,578
SPDR INDEX SHS FDS MSCI ACWI EXUS 78463X848 229 7,759 SH   SOLE   0 0 7,759
SPDR S&P 500 ETF TR TR UNIT 78462F103 6,595 13,811 SH   SOLE   0 0 13,811
SPDR SER TR PORTFOLIO AGRGTE 78464A649 433 14,702 SH   SOLE   0 0 14,702
SPDR SER TR S&P DIVID ETF 78464A763 217 1,662 SH   SOLE   0 0 1,662
SPDR SER TR PORTFOLIO S&P500 78464A854 1,146 20,409 SH   SOLE   0 0 20,409
SPDR SER TR S&P 600 SMCP VAL 78464A300 4,217 48,430 SH   SOLE   0 0 48,430
SPDR SER TR S&P 400 MDCP GRW 78464A821 1,007 12,372 SH   SOLE   0 0 12,372
SPDR SER TR S&P 600 SMCP GRW 78464A201 1,340 14,307 SH   SOLE   0 0 14,307
SPDR SER TR NUVEEN BLMBRG SR 78468R739 949 19,317 SH   SOLE   0 0 19,317
SPDR SER TR S&P 400 MDCP VAL 78464A839 3,959 54,674 SH   SOLE   0 0 54,674
STARBUCKS CORP COM 855244109 1,506 13,179 SH   SOLE   0 0 13,179
STRYKER CORPORATION COM 863667101 558 2,007 SH   SOLE   0 0 2,007
T ROWE PRICE ETF INC PRICE DIV GRWT 87283Q404 1,318 37,404 SH   SOLE   0 0 37,404
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100 223 1,669 SH   SOLE   0 0 1,669
TARGET CORP COM 87612E106 260 1,109 SH   SOLE   0 0 1,109
TE CONNECTIVITY LTD REG SHS H84989104 234 1,426 SH   SOLE   0 0 1,426
TESLA INC COM 88160R101 1,473 1,281 SH   SOLE   0 0 1,281
TEXAS INSTRS INC COM 882508104 1,849 9,693 SH   SOLE   0 0 9,693
THERMO FISHER SCIENTIFIC INC COM 883556102 370 598 SH   SOLE   0 0 598
TJX COS INC NEW COM 872540109 1,659 21,629 SH   SOLE   0 0 21,629
TRAVELERS COMPANIES INC COM 89417E109 452 2,843 SH   SOLE   0 0 2,843
UNION PAC CORP COM 907818108 1,960 7,776 SH   SOLE   0 0 7,776
UNITED PARCEL SERVICE INC CL B 911312106 571 2,627 SH   SOLE   0 0 2,627
UNITEDHEALTH GROUP INC COM 91324P102 2,871 5,849 SH   SOLE   0 0 5,849
VANECK ETF TRUST OIL SERVICES ETF 92189H607 340 1,651 SH   SOLE   0 0 1,651
VANGUARD BD INDEX FDS INTERMED TERM 921937819 371 4,262 SH   SOLE   0 0 4,262
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 13,419 166,216 SH   SOLE   0 0 166,216
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 213 1,166 SH   SOLE   0 0 1,166
VANGUARD INDEX FDS TOTAL STK MKT 922908769 292 1,205 SH   SOLE   0 0 1,205
VANGUARD INDEX FDS GROWTH ETF 922908736 1,195 3,743 SH   SOLE   0 0 3,743
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 1,191 7,810 SH   SOLE   0 0 7,810
VANGUARD INDEX FDS SMALL CP ETF 922908751 1,075 4,716 SH   SOLE   0 0 4,716
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 1,379 5,564 SH   SOLE   0 0 5,564
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 5,576 12,701 SH   SOLE   0 0 12,701
VANGUARD INDEX FDS MID CAP ETF 922908629 2,133 8,424 SH   SOLE   0 0 8,424
VANGUARD INDEX FDS SM CP VAL ETF 922908611 376 2,061 SH   SOLE   0 0 2,061
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 898 14,528 SH   SOLE   0 0 14,528
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 1,195 24,096 SH   SOLE   0 0 24,096
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 1,372 24,994 SH   SOLE   0 0 24,994
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 1,493 8,669 SH   SOLE   0 0 8,669
VANGUARD STAR FDS VG TL INTL STK F 921909768 5,693 88,867 SH   SOLE   0 0 88,867
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 300 5,828 SH   SOLE   0 0 5,828
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 363 3,182 SH   SOLE   0 0 3,182
VERIZON COMMUNICATIONS INC COM 92343V104 1,336 24,978 SH   SOLE   0 0 24,978
VISA INC COM CL A 92826C839 1,276 5,734 SH   SOLE   0 0 5,734
WALMART INC COM 931142103 778 5,477 SH   SOLE   0 0 5,477
WELLS FARGO CO NEW COM 949746101 504 9,547 SH   SOLE   0 0 9,547
WISDOMTREE TR INTL LRGCAP DV 97717W794 250 4,978 SH   SOLE   0 0 4,978
WISDOMTREE TR EM MKTS QTLY DIV 97717W323 240 8,450 SH   SOLE   0 0 8,450
WISDOMTREE TR US QTLY DIV GRT 97717X669 1,356 20,488 SH   SOLE   0 0 20,488
WISDOMTREE TR US TOTAL DIVIDND 97717W109 223 3,400 SH   SOLE   0 0 3,400
WORLD GOLD TR SPDR GLD MINIS 98149E204 1,497 83,009 SH   SOLE   0 0 83,009
YUM BRANDS INC COM 988498101 328 2,392 SH   SOLE   0 0 2,392
ZYMERGEN INC COM 98985X100 142 22,165 SH   SOLE   0 0 22,165