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
ISHARES TR RUSSELL 2000 ETF 464287655 242 1,463 SH   SOLE   0 0 1,463
ISHARES TR CORE S&P US VLU 464287663 213 3,377 SH   SOLE   0 0 3,377
SPDR S&P 500 ETF TR TR UNIT 78462F103 530 1,647 SH   SOLE   0 0 1,647
BRISTOL MYERS SQUIBB CO COM 110122108 379 5,902 SH   SOLE   0 0 5,902
EMERSON ELEC CO COM 291011104 245 3,214 SH   SOLE   0 0 3,214
AMGEN INC COM 031162100 292 1,211 SH   SOLE   0 0 1,211
BEST BUY INC COM 086516101 251 2,855 SH   SOLE   0 0 2,855
GRAINGER W W INC COM 384802104 233 689 SH   SOLE   0 0 689
INTEL CORP COM 458140100 334 5,584 SH   SOLE   0 0 5,584
QUALCOMM INC COM 747525103 229 2,601 SH   SOLE   0 0 2,601
JOHNSON & JOHNSON COM 478160104 499 3,421 SH   SOLE   0 0 3,421
ISHARES TR MSCI EAFE ETF 464287465 411 5,913 SH   SOLE   0 0 5,913
MICROSOFT CORP COM 594918104 328 2,079 SH   SOLE   0 0 2,079
TRUIST FINL CORP COM 89832Q109 266 4,727 SH   SOLE   0 0 4,727
CISCO SYS INC COM 17275R102 289 6,019 SH   SOLE   0 0 6,019
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 313 3,418 SH   SOLE   0 0 3,418
WALGREENS BOOTS ALLIANCE INC COM 931427108 215 3,654 SH   SOLE   0 0 3,654
EXXON MOBIL CORP COM 30231G102 1,438 20,613 SH   SOLE   0 0 20,613
APPLIED MATLS INC COM 038222105 237 3,887 SH   SOLE   0 0 3,887
TEXAS INSTRS INC COM 882508104 257 2,006 SH   SOLE   0 0 2,006
COLGATE PALMOLIVE CO COM 194162103 202 2,928 SH   SOLE   0 0 2,928
MICRON TECHNOLOGY INC COM 595112103 218 4,062 SH   SOLE   0 0 4,062
HOME DEPOT INC COM 437076102 204 934 SH   SOLE   0 0 934
JPMORGAN CHASE & CO COM 46625H100 265 1,904 SH   SOLE   0 0 1,904
SIRIUS XM HLDGS INC COM 82968B103 122 17,022 SH   SOLE   0 0 17,022
FISERV INC COM 337738108 1,060 9,170 SH   SOLE   0 0 9,170
VANGUARD INDEX FDS TOTAL STK MKT 922908769 14,972 91,504 SH   SOLE   0 0 91,504
NEXTERA ENERGY INC COM 65339F101 240 991 SH   SOLE   0 0 991
APPLE INC COM 037833100 1,662 5,660 SH   SOLE   0 0 5,660
ISHARES TR MSCI EMG MKT ETF 464287234 626 13,959 SH   SOLE   0 0 13,959
NETAPP INC COM 64110D104 241 3,877 SH   SOLE   0 0 3,877
KLA CORPORATION COM NEW 482480100 226 1,268 SH   SOLE   0 0 1,268
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 10,452 235,027 SH   SOLE   0 0 235,027
ROCKWELL AUTOMATION INC COM 773903109 253 1,250 SH   SOLE   0 0 1,250
NATURAL HEALTH TRENDS CORP COM 63888P406 195 36,204 SH   SOLE   0 0 36,204
AUTOZONE INC COM 053332102 203 170 SH   SOLE   0 0 170
W P CAREY INC COM 92936U109 721 9,004 SH   SOLE   0 0 9,004
BIOGEN INC COM 09062X103 273 921 SH   SOLE   0 0 921
AQUA AMERICA INC COM 03836W103 245 5,209 SH   SOLE   0 0 5,209
MASCO CORP COM 574599106 223 4,639 SH   SOLE   0 0 4,639
COGNIZANT TECHNOLOGY SOLUTIO CL A 192446102 211 3,400 SH   SOLE   0 0 3,400
STANLEY BLACK & DECKER INC COM 854502101 235 1,415 SH   SOLE   0 0 1,415
CUMMINS INC COM 231021106 239 1,338 SH   SOLE   0 0 1,338
GERDAU S A SPON ADR REP PFD 373737105 344 70,268 SH   SOLE   0 0 70,268
VANGUARD INDEX FDS VALUE ETF 922908744 13,172 109,900 SH   SOLE   0 0 109,900
REGENERON PHARMACEUTICALS COM 75886F107 245 652 SH   SOLE   0 0 652
VANGUARD INDEX FDS SM CP VAL ETF 922908611 2,488 18,150 SH   SOLE   0 0 18,150
VANGUARD INDEX FDS SMALL CP ETF 922908751 6,623 39,985 SH   SOLE   0 0 39,985
VANGUARD INDEX FDS GROWTH ETF 922908736 9,629 52,859 SH   SOLE   0 0 52,859
VIACOMCBS INC CL B 92556H206 376 8,964 SH   SOLE   0 0 8,964
SPDR SERIES TRUST NUVEEN BLMBRG SR 78468R739 5,286 107,641 SH   SOLE   0 0 107,641
J & J SNACK FOODS CORP COM 466032109 1,124 6,100 SH   SOLE   0 0 6,100
PROSPECT CAPITAL CORPORATION COM 74348T102 234 36,339 SH   SOLE   0 0 36,339
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 3,050 56,744 SH   SOLE   0 0 56,744
ISHARES TR SH TR CRPORT ETF 464288646 13,177 245,702 SH   SOLE   0 0 245,702
VANGUARD BD INDEX FD INC TOTAL BND MRKT 921937835 3,496 41,692 SH   SOLE   0 0 41,692
ISHARES TR MBS ETF 464288588 7,114 65,830 SH   SOLE   0 0 65,830
INVESCO EXCHANGE TRADED FD T S&P500 EQL TEC 46137V282 238 1,200 SH   SOLE   0 0 1,200
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 13,724 311,479 SH   SOLE   0 0 311,479
ISHARES TR NATIONAL MUN ETF 464288414 1,324 11,623 SH   SOLE   0 0 11,623
ISHARES TR INTRM TR CRP ETF 464288638 6,976 120,310 SH   SOLE   0 0 120,310
PHILIP MORRIS INTL INC COM 718172109 302 3,554 SH   SOLE   0 0 3,554
ISHARES TR SHRT NAT MUN ETF 464288158 12,055 112,895 SH   SOLE   0 0 112,895
FS KKR CAPITAL CORP COM 302635107 273 44,503 SH   SOLE   0 0 44,503
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 239 7,098 SH   SOLE   0 0 7,098
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 10,702 212,009 SH   SOLE   0 0 212,009
SCHWAB STRATEGIC TR INTRM TRM TRES 808524854 7,035 128,065 SH   SOLE   0 0 128,065
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 479 1,619 SH   SOLE   0 0 1,619
WALKER & DUNLOP INC COM 93148P102 2,188 33,828 SH   SOLE   0 0 33,828
ISHARES TR 0-5 YR TIPS ETF 46429B747 4,471 44,392 SH   SOLE   0 0 44,392
VANGUARD STAR FD VG TL INTL STK F 921909768 3,632 65,210 SH   SOLE   0 0 65,210
ISHARES TR FLTG RATE NT ETF 46429B655 1,628 31,972 SH   SOLE   0 0 31,972
ISHARES TR MSCI MIN VOL ETF 46429B697 1,588 24,210 SH   SOLE   0 0 24,210
ISHARES TR MIN VOL EAFE ETF 46429B689 759 10,181 SH   SOLE   0 0 10,181
ISHARES INC MIN VOL EMRG MKT 464286533 770 13,130 SH   SOLE   0 0 13,130
ISHARES INC JP MORGAN EM ETF 464286517 1,253 28,553 SH   SOLE   0 0 28,553
ISHARES INC CORE MSCI EMKT 46434G103 3,119 58,018 SH   SOLE   0 0 58,018
ISHARES TR CORE MSCI EAFE 46432F842 1,406 21,551 SH   SOLE   0 0 21,551
ISHARES TR CORE 1 5 YR USD 46432F859 2,212 43,883 SH   SOLE   0 0 43,883
ABBVIE INC COM 00287Y109 256 2,895 SH   SOLE   0 0 2,895
SOPHIRIS BIO INC COM NEW 83578Q209 4 10,150 SH   SOLE   0 0 10,150
ISHARES TR USA MOMENTUM FCT 46432F396 10,933 87,074 SH   SOLE   0 0 87,074
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 480 8,489 SH   SOLE   0 0 8,489
ISHARES TR EDGE MSCI USA VL 46432F388 10,678 119,002 SH   SOLE   0 0 119,002
ISHARES TR USA QUALITY FCTR 46432F339 11,018 109,088 SH   SOLE   0 0 109,088
ALPHABET INC CAP STK CL C 02079K107 473 354 SH   SOLE   0 0 354
TRISTATE CAP HLDGS INC COM 89678F100 483 18,500 SH   SOLE   0 0 18,500
ISHARES TR GLOBAL REIT ETF 46434V647 1,245 45,058 SH   SOLE   0 0 45,058
ISHARES TR IBONDS SEP2020 46434V571 799 31,312 SH   SOLE   0 0 31,312
ALPHA ARCHITECT ETF TR US QUAN VALUE 02072L102 1,617 53,170 SH   SOLE   0 0 53,170
JP MORGAN EXCHANGE TRADED FD DIV RTN INT EQ 46641Q209 212 3,721 SH   SOLE   0 0 3,721
ISHARES TR IBONDS DEC20 ETF 46434VAQ3 1,383 54,673 SH   SOLE   0 0 54,673
ALPHA ARCHITECT ETF TR INTL QUAN VALUE 02072L201 1,208 40,966 SH   SOLE   0 0 40,966
ISHARES TR IBONDS DEC21 ETF 46434VBK5 937 37,536 SH   SOLE   0 0 37,536
ISHARES TR IBONDS DEC23 ETF 46434VAX8 335 13,099 SH   SOLE   0 0 13,099
ISHARES TR IBONDS DEC25 ETF 46434VBD1 222 8,577 SH   SOLE   0 0 8,577
ISHARES TR MULTIFACTOR INTL 46434V274 636 23,514 SH   SOLE   0 0 23,514
ISHARES TR IBONDS DEC22 ETF 46434VBA7 331 13,085 SH   SOLE   0 0 13,085
ISHARES TR IBONDS DEC24 ETF 46434VBG4 219 8,531 SH   SOLE   0 0 8,531
ISHARES US ETF TR SHT MAT MUN ETF 46431W838 518 10,339 SH   SOLE   0 0 10,339
ISHARES TR INTL MOMENTUM FT 46434V449 5,371 172,303 SH   SOLE   0 0 172,303
ISHARES TR INTL QLTY FACTOR 46434V456 5,749 178,052 SH   SOLE   0 0 178,052
VANGUARD MUN BD FD INC TAX EXEMPT BD 922907746 5,813 108,576 SH   SOLE   0 0 108,576
ISHARES TR IBONDS DEC2022 46435G755 275 10,524 SH   SOLE   0 0 10,524
GOLDMAN SACHS ETF TR EQUITY ETF 381430503 7,706 119,153 SH   SOLE   0 0 119,153
ISHARES TR IBONDS DEC2021 46435G789 600 23,299 SH   SOLE   0 0 23,299
GOLDMAN SACHS ETF TR ACTIVEBETA EME 381430206 7,753 225,759 SH   SOLE   0 0 225,759
GOLDMAN SACHS ETF TR ACTIVEBETA INT 381430107 5,269 174,182 SH   SOLE   0 0 174,182
ISHARES TR MULTIFACTOR USA 46434V282 523 15,156 SH   SOLE   0 0 15,156
ISHARES TR INTL VALUE FACTR 46435G409 5,594 229,563 SH   SOLE   0 0 229,563
JOHN HANCOCK ETF TRUST MLTFCTR LRG CAP 47804J107 316 7,673 SH   SOLE   0 0 7,673
ALPHA ARCHITECT ETF TR INTL QUAN MOMNTM 02072L300 1,132 41,764 SH   SOLE   0 0 41,764
ALPHA ARCHITECT ETF TR US QUAN MOMENTUM 02072L409 1,472 45,442 SH   SOLE   0 0 45,442
GOLDMAN SACHS ETF TR ACCES TREASURY 381430529 446 4,457 SH   SOLE   0 0 4,457
ISHARES TR CR 5 10 YR ETF 46435G417 1,872 36,974 SH   SOLE   0 0 36,974
ISHARES TR IBONDS DEC2023 46435G318 212 8,222 SH   SOLE   0 0 8,222
ALPHA ARCHITECT ETF TR VAL MOMTM TRND 02072L508 1,920 77,028 SH   SOLE   0 0 77,028
ISHARES TR BROAD USD HIGH 46435U853 1,289 31,367 SH   SOLE   0 0 31,367