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
AFLAC INC COM 001055102 99 1,982 SH   SOLE NONE 0 0 1,982
ALPS ETF TR ALERIAN MLP 00162Q866 5 500 SH   SOLE NONE 0 0 500
AMC NETWORKS INC CL A 00164V103 7 130 SH   SOLE NONE 0 0 130
ASGN INC COM 00191U102 17 270 SH   SOLE NONE 0 0 270
AT&T INC COM 00206R102 108 3,438 SH   SOLE NONE 0 0 3,438
ABBOTT LABS COM 002824100 125 1,558 SH   SOLE NONE 0 0 1,558
ABBVIE INC COM 00287Y109 85 1,059 SH   SOLE NONE 0 0 1,059
ADOBE INC COM 00724F101 40 150 SH   SOLE NONE 0 0 150
AIR PRODS & CHEMS INC COM 009158106 172 903 SH   SOLE NONE 0 0 903
ALPHABET INC CAP STK CL C 02079K107 23 20 SH   SOLE NONE 0 0 20
ALPHABET INC CAP STK CL A 02079K305 18 15 SH   SOLE NONE 0 0 15
ALTRIA GROUP INC COM 02209S103 305 5,304 SH   SOLE NONE 0 0 5,304
AMAZON COM INC COM 023135106 68 38 SH   SOLE NONE 0 0 38
AMERICAN EXPRESS CO COM 025816109 7 60 SH   SOLE NONE 0 0 60
AMERICAN INTL GROUP INC COM NEW 026874784 13 312 SH   SOLE NONE 0 0 312
AMERICAN NATL BANKSHARES I COM 027745108 14 400 SH   SOLE NONE 0 0 400
AMERICAN WTR WKS CO INC NE COM 030420103 13 120 SH   SOLE NONE 0 0 120
AMERISOURCEBERGEN CORP COM 03073E105 11 135 SH   SOLE NONE 0 0 135
AMGEN INC COM 031162100 38 200 SH   SOLE NONE 0 0 200
ANADARKO PETE CORP COM 032511107 9 200 SH   SOLE NONE 0 0 200
APPLE INC COM 037833100 950 5,001 SH   SOLE NONE 0 0 5,001
AUTOMATIC DATA PROCESSING COM 053015103 34 215 SH   SOLE NONE 0 0 215
AVERY DENNISON CORP COM 053611109 508 4,492 SH   SOLE NONE 0 0 4,492
BB&T CORP COM 054937107 51 1,097 SH   SOLE NONE 0 0 1,097
BCE INC COM NEW 05534B760 42 953 SH   SOLE NONE 0 0 953
BP PLC SPONSORED ADR 055622104 15 350 SH   SOLE NONE 0 0 350
BANK AMER CORP COM 060505104 569 20,634 SH   SOLE NONE 0 0 20,634
BAXTER INTL INC COM 071813109 22 265 SH   SOLE NONE 0 0 265
BECTON DICKINSON & CO COM 075887109 78 313 SH   SOLE NONE 0 0 313
BEMIS CO INC COM 081437105 13 232 SH   SOLE NONE 0 0 232
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 402 2,000 SH   SOLE NONE 0 0 2,000
BLACKROCK INC COM 09247X101 17 40 SH   SOLE NONE 0 0 40
BLACKROCK CR ALLCTN INC TR COM 092508100 155 12,451 SH   SOLE NONE 0 0 12,451
BOEING CO COM 097023105 31 80 SH   SOLE NONE 0 0 80
BRISTOL MYERS SQUIBB CO COM 110122108 18 378 SH   SOLE NONE 0 0 378
BRITISH AMERN TOB PLC SPONSORED ADR 110448107 33 800 SH   SOLE NONE 0 0 800
CBS CORP NEW CL B 124857202 13 271 SH   SOLE NONE 0 0 271
CMS ENERGY CORP COM 125896100 31 550 SH   SOLE NONE 0 0 550
CVS HEALTH CORP COM 126650100 37 686 SH   SOLE NONE 0 0 686
CACI INTL INC CL A 127190304 18 100 SH   SOLE NONE 0 0 100
CAROLINA FINL CORP NEW COM 143873107 164 4,745 SH   SOLE NONE 0 0 4,745
CATERPILLAR INC DEL COM 149123101 34 250 SH   SOLE NONE 0 0 250
CHESAPEAKE UTILS CORP COM 165303108 37 404 SH   SOLE NONE 0 0 404
CHEVRON CORP NEW COM 166764100 193 1,564 SH   SOLE NONE 0 0 1,564
CHURCH & DWIGHT INC COM 171340102 45 630 SH   SOLE NONE 0 0 630
CISCO SYS INC COM 17275R102 836 15,493 SH   SOLE NONE 0 0 15,493
CLOUDERA INC COM 18914U100 4 400 SH   SOLE NONE 0 0 400
COCA COLA CO COM 191216100 117 2,496 SH   SOLE NONE 0 0 2,496
COLGATE PALMOLIVE CO COM 194162103 36 526 SH   SOLE NONE 0 0 526
COMCAST CORP NEW CL A 20030N101 57 1,436 SH   SOLE NONE 0 0 1,436
CONSOLIDATED EDISON INC COM 209115104 15 175 SH   SOLE NONE 0 0 175
COSTCO WHSL CORP NEW COM 22160K105 19 80 SH   SOLE NONE 0 0 80
CROWN CASTLE INTL CORP NEW COM 22822V101 32 250 SH   SOLE NONE 0 0 250
DNP SELECT INCOME FD COM 23325P104 0 0 SH   SOLE NONE 0 0 0
DEERE & CO COM 244199105 36 226 SH   SOLE NONE 0 0 226
DELTA AIR LINES INC DEL COM NEW 247361702 81 1,570 SH   SOLE NONE 0 0 1,570
DIAGEO P L C SPON ADR NEW 25243Q205 78 474 SH   SOLE NONE 0 0 474
DIGITAL RLTY TR INC COM 253868103 29 240 SH   SOLE NONE 0 0 240
DISNEY WALT CO COM DISNEY 254687106 17 150 SH   SOLE NONE 0 0 150
DISCOVERY INC COM SER A 25470F104 82 3,040 SH   SOLE NONE 0 0 3,040
DISCOVERY INC COM SER C 25470F302 7 275 SH   SOLE NONE 0 0 275
DOWDUPONT INC COM 26078J100 12 230 SH   SOLE NONE 0 0 230
DUKE ENERGY CORP NEW COM NEW 26441C204 39 432 SH   SOLE NONE 0 0 432
ECOLAB INC COM 278865100 10 55 SH   SOLE NONE 0 0 55
EDWARDS LIFESCIENCES CORP COM 28176E108 130 680 SH   SOLE NONE 0 0 680
EMERSON ELEC CO COM 291011104 109 1,596 SH   SOLE NONE 0 0 1,596
ENBRIDGE INC COM 29250N105 23 639 SH   SOLE NONE 0 0 639
ENCOMPASS HEALTH CORP COM 29261A100 12 200 SH   SOLE NONE 0 0 200
ENTERPRISE PRODS PARTNERS COM 293792107 32 1,084 PRN   SOLE NONE 0 0 1,084
EVERSOURCE ENERGY COM 30040W108 43 610 SH   SOLE NONE 0 0 610
EXELON CORP COM 30161N101 24 486 SH   SOLE NONE 0 0 486
EXPEDIA GROUP INC COM NEW 30212P303 36 300 SH   SOLE NONE 0 0 300
EXXON MOBIL CORP COM 30231G102 239 2,959 SH   SOLE NONE 0 0 2,959
FACEBOOK INC CL A 30303M102 151 903 SH   SOLE NONE 0 0 903
FAIR ISAAC CORP COM 303250104 27 100 SH   SOLE NONE 0 0 100
FIFTH THIRD BANCORP COM 316773100 81 3,200 SH   SOLE NONE 0 0 3,200
GALLAGHER ARTHUR J & CO COM 363576109 37 480 SH   SOLE NONE 0 0 480
GENERAL ELECTRIC CO COM 369604103 2 232 SH   SOLE NONE 0 0 232
GENERAL MLS INC COM 370334104 24 462 SH   SOLE NONE 0 0 462
GENTEX CORP COM 371901109 28 1,360 SH   SOLE NONE 0 0 1,360
GENUINE PARTS CO COM 372460105 29 263 SH   SOLE NONE 0 0 263
GILEAD SCIENCES INC COM 375558103 39 602 SH   SOLE NONE 0 0 602
GLADSTONE COML CORP COM 376536108 15 715 PRN   SOLE NONE 0 0 715
GLAXOSMITHKLINE PLC SPONSORED ADR 37733W105 18 436 SH   SOLE NONE 0 0 436
GLOBAL X FDS GLBL X MLP ETF 37950E473 8,645 974,604 SH   SOLE NONE 0 0 974,604
GRACO INC COM 384109104 513 10,354 SH   SOLE NONE 0 0 10,354
GRAINGER W W INC COM 384802104 17 55 SH   SOLE NONE 0 0 55
GRAPHIC PACKAGING HLDG CO COM 388689101 15 1,200 SH   SOLE NONE 0 0 1,200
GREEN DOT CORP CL A 39304D102 27 439 SH   SOLE NONE 0 0 439
GRUBHUB INC COM 400110102 3 40 SH   SOLE NONE 0 0 40
GPO AEROPORTUARIO DEL PAC SPON ADR B 400506101 12 130 SH   SOLE NONE 0 0 130
HARRIS CORP DEL COM 413875105 203 1,272 SH   SOLE NONE 0 0 1,272
HASBRO INC COM 418056107 0 2 SH   SOLE NONE 0 0 2
HEARTLAND FINL USA INC COM 42234Q102 85 1,987 SH   SOLE NONE 0 0 1,987
HOME DEPOT INC COM 437076102 109 568 SH   SOLE NONE 0 0 568
HOST HOTELS & RESORTS INC COM 44107P104 16 845 PRN   SOLE NONE 0 0 845
ILLINOIS TOOL WKS INC COM 452308109 113 787 SH   SOLE NONE 0 0 787
INGREDION INC COM 457187102 2 22 SH   SOLE NONE 0 0 22
INNOVATIVE INDL PPTYS INC COM 45781V101 45 550 SH   SOLE NONE 0 0 550
INTEL CORP COM 458140100 132 2,457 SH   SOLE NONE 0 0 2,457
INTERNATIONAL BUSINESS MAC COM 459200101 82 579 SH   SOLE NONE 0 0 579
INVESCO QQQ TR UNIT SER 1 46090E103 46 258 SH   SOLE NONE 0 0 258
INVESCO EXCHNG TRADED FD T PFD ETF 46138E511 13,534 933,389 SH   SOLE NONE 0 0 933,389
INVESCO EXCHNG TRADED FD T SR LN ETF 46138G508 11,004 486,046 SH   SOLE NONE 0 0 486,046
ISHARES TR SELECT DIVID ETF 464287168 72 738 SH   SOLE NONE 0 0 738
ISHARES TR INTRM TR CRP ETF 464288638 836 15,160 SH   SOLE NONE 0 0 15,160
JPMORGAN CHASE & CO COM 46625H100 1,324 13,076 SH   SOLE NONE 0 0 13,076
JACOBS ENGR GROUP INC COM 469814107 10 127 SH   SOLE NONE 0 0 127
JOHNSON & JOHNSON COM 478160104 549 3,925 SH   SOLE NONE 0 0 3,925
KAR AUCTION SVCS INC COM 48238T109 167 3,260 SH   SOLE NONE 0 0 3,260
KIMBERLY CLARK CORP COM 494368103 138 1,111 SH   SOLE NONE 0 0 1,111
KINDER MORGAN INC DEL COM 49456B101 4 187 SH   SOLE NONE 0 0 187
KINGSTONE COS INC COM 496719105 5 330 SH   SOLE NONE 0 0 330
L3 TECHNOLOGIES INC COM 502413107 250 1,210 SH   SOLE NONE 0 0 1,210
LAMAR ADVERTISING CO NEW CL A 512816109 16 200 SH   SOLE NONE 0 0 200
LEGGETT & PLATT INC COM 524660107 14 336 SH   SOLE NONE 0 0 336
LINCOLN ELEC HLDGS INC COM 533900106 52 624 SH   SOLE NONE 0 0 624
LINCOLN NATL CORP IND COM 534187109 113 1,917 SH   SOLE NONE 0 0 1,917
LINDBLAD EXPEDITIONS HLDGS COM 535219109 21 1,400 SH   SOLE NONE 0 0 1,400
LOCKHEED MARTIN CORP COM 539830109 44 147 SH   SOLE NONE 0 0 147
LOWES COS INC COM 548661107 71 646 SH   SOLE NONE 0 0 646
M & T BK CORP COM 55261F104 16 100 SH   SOLE NONE 0 0 100
MARATHON PETE CORP COM 56585A102 33 551 SH   SOLE NONE 0 0 551
MCCORMICK & CO INC COM NON VTG 579780206 2 14 SH   SOLE NONE 0 0 14
MCDONALDS CORP COM 580135101 84 441 SH   SOLE NONE 0 0 441
MCKESSON CORP COM 58155Q103 39 335 SH   SOLE NONE 0 0 335
MERCK & CO INC COM 58933Y105 23 275 SH   SOLE NONE 0 0 275
METTLER TOLEDO INTERNATION COM 592688105 74 103 SH   SOLE NONE 0 0 103
MICROSOFT CORP COM 594918104 1,362 11,551 SH   SOLE NONE 0 0 11,551
MOLSON COORS BREWING CO CL B 60871R209 23 383 SH   SOLE NONE 0 0 383
MONMOUTH REAL ESTATE INVT CL A 609720107 2 140 PRN   SOLE NONE 0 0 140
MOOG INC CL A 615394202 28 325 SH   SOLE NONE 0 0 325
MORGAN STANLEY COM NEW 617446448 38 900 SH   SOLE NONE 0 0 900
NATIONAL STORAGE AFFILIATE COM SHS BEN IN 637870106 26 900 SH   SOLE NONE 0 0 900
NORFOLK SOUTHERN CORP COM 655844108 30 161 SH   SOLE NONE 0 0 161
NOVARTIS A G SPONSORED ADR 66987V109 148 1,541 SH   SOLE NONE 0 0 1,541
OCCIDENTAL PETE CORP COM 674599105 22 331 SH   SOLE NONE 0 0 331
OMNICOM GROUP INC COM 681919106 31 422 SH   SOLE NONE 0 0 422
ONE GAS INC COM 68235P108 192 2,160 SH   SOLE NONE 0 0 2,160
ONEOK INC NEW COM 682680103 21 294 SH   SOLE NONE 0 0 294
ORACLE CORP COM 68389X105 49 921 SH   SOLE NONE 0 0 921
PPG INDS INC COM 693506107 77 679 SH   SOLE NONE 0 0 679
PPL CORP COM 69351T106 29 906 SH   SOLE NONE 0 0 906
PARKER HANNIFIN CORP COM 701094104 36 211 SH   SOLE NONE 0 0 211
PAYCHEX INC COM 704326107 204 2,544 SH   SOLE NONE 0 0 2,544
PEPSICO INC COM 713448108 175 1,427 SH   SOLE NONE 0 0 1,427
PFIZER INC COM 717081103 234 5,500 SH   SOLE NONE 0 0 5,500
PHILIP MORRIS INTL INC COM 718172109 226 2,562 SH   SOLE NONE 0 0 2,562
PHILLIPS 66 COM 718546104 9 98 SH   SOLE NONE 0 0 98
PIMCO ETF TR INV GRD CRP BD 72201R817 14,625 140,980 SH   SOLE NONE 0 0 140,980
PROCTER AND GAMBLE CO COM 742718109 192 1,846 SH   SOLE NONE 0 0 1,846
PULTE GROUP INC COM 745867101 17 624 SH   SOLE NONE 0 0 624
RAYTHEON CO COM NEW 755111507 31 169 SH   SOLE NONE 0 0 169
REALTY INCOME CORP COM 756109104 117 1,587 PRN   SOLE NONE 0 0 1,587
RED HAT INC COM 756577102 80 440 SH   SOLE NONE 0 0 440
SPDR SERIES TRUST WELLS FG PFD ETF 78464A292 3,857 90,379 SH   SOLE NONE 0 0 90,379
SCHLUMBERGER LTD COM 806857108 24 541 SH   SOLE NONE 0 0 541
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 35,113 515,995 SH   SOLE NONE 0 0 515,995
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 4,066 60,136 SH   SOLE NONE 0 0 60,136
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 8,373 152,961 SH   SOLE NONE 0 0 152,961
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755 7,626 276,497 SH   SOLE NONE 0 0 276,497
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 75,504 1,444,233 SH   SOLE NONE 0 0 1,444,233
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 28,593 913,216 SH   SOLE NONE 0 0 913,216
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 13,113 252,749 SH   SOLE NONE 0 0 252,749
SCHWAB STRATEGIC TR US REIT ETF 808524847 9,001 202,591 SH   SOLE NONE 0 0 202,591
SCHWAB STRATEGIC TR US TIPS ETF 808524870 10,133 184,239 SH   SOLE NONE 0 0 184,239
SELECT SECTOR SPDR TR ENERGY 81369Y506 3 46 SH   SOLE NONE 0 0 46
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704 38 500 SH   SOLE NONE 0 0 500
SHERWIN WILLIAMS CO COM 824348106 537 1,246 SH   SOLE NONE 0 0 1,246
SIRIUS XM HLDGS INC COM 82968B103 18 3,170 SH   SOLE NONE 0 0 3,170
STAMPS COM INC COM NEW 852857200 17 210 SH   SOLE NONE 0 0 210
STARBUCKS CORP COM 855244109 21 283 SH   SOLE NONE 0 0 283
SUNTRUST BKS INC COM 867914103 82 1,390 SH   SOLE NONE 0 0 1,390
SYSCO CORP COM 871829107 32 479 SH   SOLE NONE 0 0 479
TJX COS INC NEW COM 872540109 18 336 SH   SOLE NONE 0 0 336
TAKEDA PHARMACEUTICAL CO L SPONSORED ADS 874060205 1 35 SH   SOLE NONE 0 0 35
TELADOC HEALTH INC COM 87918A105 7 120 SH   SOLE NONE 0 0 120
TEXAS INSTRS INC COM 882508104 264 2,489 SH   SOLE NONE 0 0 2,489
3M CO COM 88579Y101 124 596 SH   SOLE NONE 0 0 596
TORONTO DOMINION BK ONT COM NEW 891160509 10 193 SH   SOLE NONE 0 0 193
TOTAL S A SPONSORED ADS 89151E109 36 647 SH   SOLE NONE 0 0 647
US BANCORP DEL COM NEW 902973304 13 260 SH   SOLE NONE 0 0 260
U S PHYSICAL THERAPY INC COM 90337L108 34 326 SH   SOLE NONE 0 0 326
UNION PACIFIC CORP COM 907818108 165 984 SH   SOLE NONE 0 0 984
UNITED PARCEL SERVICE INC CL B 911312106 12 110 SH   SOLE NONE 0 0 110
UNITED TECHNOLOGIES CORP COM 913017109 169 1,311 SH   SOLE NONE 0 0 1,311
UNITEDHEALTH GROUP INC COM 91324P102 63 255 SH   SOLE NONE 0 0 255
URSTADT BIDDLE PPTYS INC PFD-G CV 6.75% 917286809 7 272 SH   SOLE NONE 0 0 272
V F CORP COM 918204108 51 589 SH   SOLE NONE 0 0 589
VANGUARD GROUP DIV APP ETF 921908844 63 572 SH   SOLE NONE 0 0 572
VANGUARD WHITEHALL FDS INC HIGH DIV YLD 921946406 5 59 SH   SOLE NONE 0 0 59
VANGUARD WORLD FDS INF TECH ETF 92204A702 19 93 SH   SOLE NONE 0 0 93
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 55 212 SH   SOLE NONE 0 0 212
VANGUARD INDEX FDS SM CP VAL ETF 922908611 16 124 SH   SOLE NONE 0 0 124
VANGUARD INDEX FDS TOTAL STK MKT 922908769 214 1,478 SH   SOLE NONE 0 0 1,478
VERISIGN INC COM 92343E102 65 360 SH   SOLE NONE 0 0 360
VERIZON COMMUNICATIONS INC COM 92343V104 127 2,144 SH   SOLE NONE 0 0 2,144
VISA INC COM CL A 92826C839 81 520 SH   SOLE NONE 0 0 520
WABTEC CORP COM 929740108 0 1 SH   SOLE NONE 0 0 1
WALMART INC COM 931142103 186 1,904 SH   SOLE NONE 0 0 1,904
WALGREENS BOOTS ALLIANCE I COM 931427108 29 464 SH   SOLE NONE 0 0 464
WATSCO INC COM 942622200 13 91 SH   SOLE NONE 0 0 91
WELLS FARGO CO NEW COM 949746101 60 1,234 SH   SOLE NONE 0 0 1,234
WELLS FARGO CO NEW PERP PFD CNV A 949746804 17 13 SH   SOLE NONE 0 0 13
WILLIAMS COS INC DEL COM 969457100 6 194 SH   SOLE NONE 0 0 194
ZIONS BANCORPORATION N A COM 989701107 235 5,170 SH   SOLE NONE 0 0 5,170
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 45 256 SH   SOLE NONE 0 0 256
EATON CORP PLC SHS G29183103 129 1,601 SH   SOLE NONE 0 0 1,601
MEDTRONIC PLC SHS G5960L103 16 180 SH   SOLE NONE 0 0 180
ROWAN COMPANIES PLC SHS CL A G7665A101 8 700 SH   SOLE NONE 0 0 700
CHECK POINT SOFTWARE TECH ORD M22465104 145 1,150 SH   SOLE NONE 0 0 1,150