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
SPDR S&P 500 ETF TR TR UNIT 78462F103 510 1,654 SH   SOLE   0 0 1,654
AMAZON COM INC COM 023135106 384 139 SH   SOLE   0 0 139
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 529 2,966 SH   SOLE   0 0 2,966
DISNEY WALT CO COM DISNEY 254687106 219 1,961 SH   SOLE   0 0 1,961
JOHNSON & JOHNSON COM 478160104 356 2,530 SH   SOLE   0 0 2,530
LOWES COS INC COM 548661107 474 3,510 SH   SOLE   0 0 3,510
MICROSOFT CORP COM 594918104 885 4,347 SH   SOLE   0 0 4,347
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 361 3,457 SH   SOLE   0 0 3,457
EXXON MOBIL CORP COM 30231G102 1,623 36,282 SH   SOLE   0 0 36,282
ANTHEM INC COM 036752103 200 761 SH   SOLE   0 0 761
JPMORGAN CHASE & CO COM 46625H100 388 4,128 SH   SOLE   0 0 4,128
BOOKING HOLDINGS INC COM 09857L108 301 189 SH   SOLE   0 0 189
FISERV INC COM 337738108 1,481 15,170 SH   SOLE   0 0 15,170
UNITEDHEALTH GROUP INC COM 91324P102 482 1,635 SH   SOLE   0 0 1,635
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 224 1,041 SH   SOLE   0 0 1,041
VANGUARD INDEX FDS TOTAL STK MKT 922908769 1,973 12,602 SH   SOLE   0 0 12,602
NEXTERA ENERGY INC COM 65339F101 238 991 SH   SOLE   0 0 991
APPLE INC COM 037833100 4,054 11,114 SH   SOLE   0 0 11,114
ISHARES TR MSCI EMG MKT ETF 464287234 237 5,931 SH   SOLE   0 0 5,931
EDWARDS LIFESCIENCES CORP COM 28176E108 335 4,842 SH   SOLE   0 0 4,842
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 9,763 246,474 SH   SOLE   0 0 246,474
ISHARES TR MSCI AC ASIA ETF 464288182 1,190 17,206 SH   SOLE   0 0 17,206
PNC FINL SVCS GROUP INC COM 693475105 545 5,183 SH   SOLE   0 0 5,183
WP CAREY INC COM 92936U109 454 6,716 SH   SOLE   0 0 6,716
ESSENTIAL UTILS INC COM 29670G102 220 5,209 SH   SOLE   0 0 5,209
MID-AMER APT CMNTYS INC COM 59522J103 209 1,825 SH   SOLE   0 0 1,825
GERDAU SA SPON ADR REP PFD 373737105 208 70,268 SH   SOLE   0 0 70,268
ALPHABET INC CAP STK CL A 02079K305 349 246 SH   SOLE   0 0 246
VANGUARD INDEX FDS VALUE ETF 922908744 3,376 33,898 SH   SOLE   0 0 33,898
VANGUARD INDEX FDS SM CP VAL ETF 922908611 215 2,015 SH   SOLE   0 0 2,015
VANGUARD INDEX FDS SMALL CP ETF 922908751 10,909 74,866 SH   SOLE   0 0 74,866
VANGUARD INDEX FDS GROWTH ETF 922908736 4,037 19,974 SH   SOLE   0 0 19,974
CARMAX INC COM 143130102 426 4,759 SH   SOLE   0 0 4,759
AMERIPRISE FINL INC COM 03076C106 305 2,036 SH   SOLE   0 0 2,036
MASTERCARD INCORPORATED CL A 57636Q104 624 2,110 SH   SOLE   0 0 2,110
J & J SNACK FOODS CORP COM 466032109 750 5,900 SH   SOLE   0 0 5,900
VANGUARD INDEX FDS LARGE CAP ETF 922908637 3,086 21,583 SH   SOLE   0 0 21,583
PROSPECT CAP CORP COM 74348T102 186 36,339 SH   SOLE   0 0 36,339
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 233 4,898 SH   SOLE   0 0 4,898
ISHARES TR IBOXX HI YD ETF 464288513 502 6,146 SH   SOLE   0 0 6,146
ISHARES TR SH TR CRPORT ETF 464288646 244 4,451 SH   SOLE   0 0 4,451
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 487 5,508 SH   SOLE   0 0 5,508
INVESCO EXCHANGE TRADED FD T S&P500 EQL TEC 46137V282 239 1,200 SH   SOLE   0 0 1,200
VANGUARD TAX-MANAGED FDS FTSE DEV MKT ETF 921943858 10,858 279,923 SH   SOLE   0 0 279,923
VISA INC COM CL A 92826C839 783 4,051 SH   SOLE   0 0 4,051
FS KKR CAPITAL CORP COM 302635206 165 11,784 SH   SOLE   0 0 11,784
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 79,898 785,705 SH   SOLE   0 0 785,705
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 225 3,441 SH   SOLE   0 0 3,441
SCHWAB STRATEGIC TR INTRM TRM TRES 808524854 210 3,576 SH   SOLE   0 0 3,576
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 206 726 SH   SOLE   0 0 726
WALKER & DUNLOP INC COM 93148P102 1,719 33,828 SH   SOLE   0 0 33,828
VANGUARD STAR FDS VG TL INTL STK F 921909768 331 6,734 SH   SOLE   0 0 6,734
ISHARES TR MSCI MIN VOL ETF 46429B697 11,692 192,848 SH   SOLE   0 0 192,848
ISHARES TR MIN VOL EAFE ETF 46429B689 10,872 164,574 SH   SOLE   0 0 164,574
ISHARES INC MIN VOL EMRG MKT 464286533 5,251 100,972 SH   SOLE   0 0 100,972
SCHWAB STRATEGIC TR 1000 INDEX ETF 808524722 519 17,087 SH   SOLE   0 0 17,087
FACEBOOK INC CL A 30303M102 659 2,902 SH   SOLE   0 0 2,902
FS KKR CAP CORP II COM 35952V303 518 40,167 SH   SOLE   0 0 40,167
ISHARES INC CORE MSCI EMKT 46434G103 700 14,712 SH   SOLE   0 0 14,712
ISHARES TR CORE MSCI EAFE 46432F842 344 6,024 SH   SOLE   0 0 6,024
ISHARES TR USA MOMENTUM FCT 46432F396 11,805 90,116 SH   SOLE   0 0 90,116
ISHARES TR EDGE MSCI USA VL 46432F388 16,859 233,251 SH   SOLE   0 0 233,251
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763 1,361 42,919 SH   SOLE   0 0 42,919
ISHARES TR USA QUALITY FCTR 46432F339 18,546 193,348 SH   SOLE   0 0 193,348
ISHARES TR 0-5YR HI YL CP 46434V407 23,958 558,589 SH   SOLE   0 0 558,589
PIMCO ETF TR ENHNCD LW DUR AC 72201R718 985 9,662 SH   SOLE   0 0 9,662
ALPHABET INC CAP STK CL C 02079K107 705 499 SH   SOLE   0 0 499
ISHARES TR IBONDS SEP2020 46434V571 803 31,483 SH   SOLE   0 0 31,483
ALIBABA GROUP HLDG LTD SPONSORED ADS 01609W102 344 1,593 SH   SOLE   0 0 1,593
ALPHA ARCHITECT ETF TR US QUAN VALUE 02072L102 2,801 125,008 SH   SOLE   0 0 125,008
J P MORGAN EXCHANGE-TRADED F DIV RTN INT EQ 46641Q209 531 10,743 SH   SOLE   0 0 10,743
ISHARES TR IBONDS DEC20 ETF 46434VAQ3 1,586 62,601 SH   SOLE   0 0 62,601
ALPHA ARCHITECT ETF TR INTL QUAN VALUE 02072L201 1,779 73,465 SH   SOLE   0 0 73,465
ISHARES TR IBONDS DEC21 ETF 46434VBK5 1,166 46,376 SH   SOLE   0 0 46,376
ISHARES TR IBONDS DEC23 ETF 46434VAX8 563 21,455 SH   SOLE   0 0 21,455
ISHARES TR IBONDS DEC25 ETF 46434VBD1 265 9,806 SH   SOLE   0 0 9,806
ISHARES TR IBONDS DEC22 ETF 46434VBA7 553 21,544 SH   SOLE   0 0 21,544
ISHARES TR IBONDS DEC24 ETF 46434VBG4 359 13,614 SH   SOLE   0 0 13,614
ISHARES U S ETF TR SHT MAT MUN ETF 46431W838 535 10,672 SH   SOLE   0 0 10,672
ISHARES TR INTL MOMENTUM FT 46434V449 6,837 217,933 SH   SOLE   0 0 217,933
ISHARES TR INTL QLTY FACTOR 46434V456 9,241 314,227 SH   SOLE   0 0 314,227
PAYPAL HLDGS INC COM 70450Y103 332 1,906 SH   SOLE   0 0 1,906
ISHARES TR IBONDS DEC2022 46435G755 279 10,572 SH   SOLE   0 0 10,572
GOLDMAN SACHS ETF TR ACTIVEBETA US LG 381430503 8,898 142,148 SH   SOLE   0 0 142,148
ISHARES TR IBONDS DEC2021 46435G789 604 23,299 SH   SOLE   0 0 23,299
GOLDMAN SACHS ETF TR ACTIVEBETA EME 381430206 8,254 272,495 SH   SOLE   0 0 272,495
GOLDMAN SACHS ETF TR ACTIVEBETA INT 381430107 5,134 193,093 SH   SOLE   0 0 193,093
ISHARES TR INTL VALUE FACTR 46435G409 8,663 443,573 SH   SOLE   0 0 443,573
NOMAD FOODS LTD USD ORD SHS G6564A105 210 9,812 SH   SOLE   0 0 9,812
JOHN HANCOCK EXCHANGE TRADED MLTFCTR LRG CAP 47804J107 277 7,213 SH   SOLE   0 0 7,213
ALPHA ARCHITECT ETF TR INTL QUAN MOMNTM 02072L300 1,819 69,148 SH   SOLE   0 0 69,148
J P MORGAN EXCHANGE-TRADED F JPMORGAN DIVER 46641Q407 242 3,485 SH   SOLE   0 0 3,485
ALPHA ARCHITECT ETF TR US QUAN MOMENTUM 02072L409 3,042 85,484 SH   SOLE   0 0 85,484
GOLDMAN SACHS ETF TR ACCES TREASURY 381430529 338 3,363 SH   SOLE   0 0 3,363
SBA COMMUNICATIONS CORP NEW CL A 78410G104 216 726 SH   SOLE   0 0 726
ISHARES TR IBONDS DEC2023 46435G318 217 8,275 SH   SOLE   0 0 8,275
J P MORGAN EXCHANGE-TRADED F US QUALTY FCTR 46641Q761 302 9,914 SH   SOLE   0 0 9,914
J P MORGAN EXCHANGE-TRADED F US MOMENTUM 46641Q779 330 10,661 SH   SOLE   0 0 10,661
J P MORGAN EXCHANGE-TRADED F US VALUE FACTR 46641Q753 293 12,196 SH   SOLE   0 0 12,196
INNOVATOR ETFS TR S&P 500 BUFFER 45782C789 7,956 294,784 SH   SOLE   0 0 294,784
INNOVATOR ETFS TR S&P 500 POWER 45782C508 8,616 307,727 SH   SOLE   0 0 307,727
INNOVATOR ETFS TR S&P 500 BUFFER 45782C409 786 27,718 SH   SOLE   0 0 27,718
INNOVATOR ETFS TR S&P 500 PWR BU 45782C870 294 11,321 SH   SOLE   0 0 11,321
INNOVATOR ETFS TR S&P 500 ULTRA 45782C805 257 10,606 SH   SOLE   0 0 10,606
INNOVATOR ETFS TR RUSSELL 2000 P 45782C599 302 12,605 SH   SOLE   0 0 12,605
INNOVATOR ETFS TR S&P 500 POWER 45782C573 331 12,696 SH   SOLE   0 0 12,696
INNOVATOR ETFS TR S&P 500 PWR BU 45782C540 301 11,370 SH   SOLE   0 0 11,370
INNOVATOR ETFS TR MSCI EMGR MKT 45782C516 308 12,050 SH   SOLE   0 0 12,050
INNOVATOR ETFS TR RUSSELL 2000 P 45782C474 260 10,427 SH   SOLE   0 0 10,427
INNOVATOR ETFS TR RUSSELL 2000 PWR 45782C342 600 23,770 SH   SOLE   0 0 23,770
INNOVATOR ETFS TR S&P 500 PWR BUF 45782C318 996 37,471 SH   SOLE   0 0 37,471
INNOVATOR ETFS TR S&P 500 BUFFER E 45782C326 706 26,286 SH   SOLE   0 0 26,286
INNOVATOR ETFS TR S&P 500 ULTRA BF 45782C292 632 24,186 SH   SOLE   0 0 24,186