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
CORNING INC COM 219350105 1,026 35,236 SH   SOLE 35,236 0 0
FIDELITY LTD TRM BD ETF 316188200 7,446 146,279 SH   SOLE 146,279 0 0
FIDELITY COVINGTON TR CONSMR STAPLES 316092303 3,843 101,959 SH   SOLE 101,959 0 0
FIDELITY COVINGTON TR MSCI ENERGY IDX 316092402 761 47,559 SH   SOLE 47,559 0 0
FIDELITY COVINGTON TR MSCI HLTH CARE I 316092600 3,697 74,330 SH   SOLE 74,330 0 0
FIDELITY COVINGTON TR MSCI UTILS INDEX 316092865 4,886 115,514 SH   SOLE 115,514 0 0
FIDELITY COVINGTON TR VLU FACTOR ETF 316092782 261 6,861 SH   SOLE 6,861 0 0
INVESCO ACTIVELY MANAGD ETF OPTIMUM YIELD 46090F100 1,718 103,738 SH   SOLE 103,738 0 0
INVESCO DB COMMDY INDX TRCK UNIT 46138B103 1,969 123,476 SH   SOLE 123,476 0 0
ISHARES INC MIN VOL EMRG MKT 464286533 5,012 85,437 SH   SOLE 85,437 0 0
ISHARES TR 0-5 YR TIPS ETF 46429B747 1,361 13,512 SH   SOLE 13,512 0 0
ISHARES TR 1 3 YR TREAS BD 464287457 6,285 74,263 SH   SOLE 74,263 0 0
ISHARES TR CORE INTL AGGR 46435G672 3,176 57,972 SH   SOLE 57,972 0 0
ISHARES TR CORE MSCI EAFE 46432F842 4,889 74,940 SH   SOLE 74,940 0 0
ISHARES TR CORE S&P MCP ETF 464287507 13,134 63,814 SH   SOLE 63,814 0 0
ISHARES TR CORE S&P SCP ETF 464287804 5,208 62,113 SH   SOLE 62,113 0 0
ISHARES TR CORE S&P500 ETF 464287200 437 1,352 SH   SOLE 1,352 0 0
ISHARES TR CORE US AGGBD ET 464287226 20,499 182,425 SH   SOLE 182,425 0 0
ISHARES TR FLTG RATE NT ETF 46429B655 8,007 157,248 SH   SOLE 157,248 0 0
ISHARES TR JPMORGAN USD EMG 464288281 630 5,501 SH   SOLE 5,501 0 0
ISHARES TR MIN VOL EAFE ETF 46429B689 11,176 149,928 SH   SOLE 149,928 0 0
ISHARES TR MSCI EAFE ETF 464287465 2,148 30,935 SH   SOLE 30,935 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 770 17,154 SH   SOLE 17,154 0 0
ISHARES TR MSCI LW CRB TG 46434V464 201 1,553 SH   SOLE 1,553 0 0
ISHARES TR NATIONAL MUN ETF 464288414 1,234 10,834 SH   SOLE 10,834 0 0
ISHARES TR NEW YORK MUN ETF 464288323 1,683 29,501 SH   SOLE 29,501 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 369 2,096 SH   SOLE 2,096 0 0
ISHARES TR S&P 500 GRWT ETF 464287309 10,969 56,646 SH   SOLE 56,646 0 0
ISHARES TR S&P 500 VAL ETF 464287408 18,558 142,658 SH   SOLE 142,658 0 0
ISHARES TR SELECT DIVID ETF 464287168 420 3,977 SH   SOLE 3,977 0 0
ISHARES TR SHRT NAT MUN ETF 464288158 3,719 34,828 SH   SOLE 34,828 0 0
ISHARES TR SP SMCP600VL ETF 464287879 6,126 38,095 SH   SOLE 38,095 0 0
ISHARES TR TIPS BD ETF 464287176 1,901 16,307 SH   SOLE 16,307 0 0
PROSPECT CAPITAL CORPORATION NOTE 4.750% 4/1 74348TAQ5 74 74,000 PRN   SOLE 74,000 0 0
VANGUARD ADMIRAL FDS INC 500 GRTH IDX F 921932505 361 2,068 SH   SOLE 2,068 0 0