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 459 1,782 SH   SOLE   0 0 1,782
JOHNSON & JOHNSON COM 478160104 507 3,869 SH   SOLE   0 0 3,869
ISHARES TR MSCI EAFE ETF 464287465 215 4,015 SH   SOLE   0 0 4,015
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 278 3,457 SH   SOLE   0 0 3,457
EXXON MOBIL CORP COM 30231G102 773 20,363 SH   SOLE   0 0 20,363
FISERV INC COM 337738108 871 9,170 SH   SOLE   0 0 9,170
VANGUARD INDEX FDS TOTAL STK MKT 922908769 5,651 43,836 SH   SOLE   0 0 43,836
NEXTERA ENERGY INC COM 65339F101 238 991 SH   SOLE   0 0 991
APPLE INC COM 037833100 2,418 9,509 SH   SOLE   0 0 9,509
ISHARES TR MSCI EMG MKT ETF 464287234 345 10,102 SH   SOLE   0 0 10,102
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 9,846 293,459 SH   SOLE   0 0 293,459
WP CAREY INC COM 92936U109 337 5,796 SH   SOLE   0 0 5,796
ESSENTIAL UTILS INC COM 29670G102 221 5,418 SH   SOLE   0 0 5,418
GERDAU SA SPON ADR REP PFD 373737105 134 70,268 SH   SOLE   0 0 70,268
VANGUARD INDEX FDS VALUE ETF 922908744 12,386 139,076 SH   SOLE   0 0 139,076
VANGUARD INDEX FDS SM CP VAL ETF 922908611 510 5,743 SH   SOLE   0 0 5,743
VANGUARD INDEX FDS SMALL CP ETF 922908751 7,670 66,442 SH   SOLE   0 0 66,442
VANGUARD INDEX FDS GROWTH ETF 922908736 11,965 76,364 SH   SOLE   0 0 76,364
SPDR SER TR NUVEEN BLMBRG SR 78468R739 6,102 124,783 SH   SOLE   0 0 124,783
J & J SNACK FOODS CORP COM 466032109 738 6,100 SH   SOLE   0 0 6,100
PROSPECT CAPITAL CORPORATION COM 74348T102 154 36,339 SH   SOLE   0 0 36,339
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 670 16,343 SH   SOLE   0 0 16,343
ISHARES TR SH TR CRPORT ETF 464288646 13,632 260,357 SH   SOLE   0 0 260,357
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 1,558 18,254 SH   SOLE   0 0 18,254
ISHARES TR MBS ETF 464288588 8,447 76,484 SH   SOLE   0 0 76,484
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 17,306 519,088 SH   SOLE   0 0 519,088
ISHARES TR NATIONAL MUN ETF 464288414 2,047 18,115 SH   SOLE   0 0 18,115
ISHARES TR INTRM TR CRP ETF 464288638 8,115 147,759 SH   SOLE   0 0 147,759
ISHARES TR SHRT NAT MUN ETF 464288158 9,548 89,825 SH   SOLE   0 0 89,825
FS KKR CAPITAL CORP COM 302635107 134 44,503 SH   SOLE   0 0 44,503
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 322 3,258 SH   SOLE   0 0 3,258
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 12,999 251,287 SH   SOLE   0 0 251,287
SCHWAB STRATEGIC TR INTRM TRM TRES 808524854 8,517 144,903 SH   SOLE   0 0 144,903
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 300 1,268 SH   SOLE   0 0 1,268
WALKER & DUNLOP INC COM 93148P102 1,362 33,828 SH   SOLE   0 0 33,828
ISHARES TR 0-5 YR TIPS ETF 46429B747 5,210 52,154 SH   SOLE   0 0 52,154
VANGUARD STAR FDS VG TL INTL STK F 921909768 409 9,753 SH   SOLE   0 0 9,753
ISHARES TR MSCI MIN VOL ETF 46429B697 1,830 33,881 SH   SOLE   0 0 33,881
ISHARES TR MIN VOL EAFE ETF 46429B689 910 14,663 SH   SOLE   0 0 14,663
ISHARES INC MIN VOL EMRG MKT 464286533 745 15,877 SH   SOLE   0 0 15,877
SCHWAB STRATEGIC TR 1000 INDEX ETF 808524722 428 17,087 SH   SOLE   0 0 17,087
ISHARES INC CORE MSCI EMKT 46434G103 1,043 25,769 SH   SOLE   0 0 25,769
ISHARES TR CORE MSCI EAFE 46432F842 660 13,222 SH   SOLE   0 0 13,222
ISHARES TR CORE 1 5 YR USD 46432F859 3,474 68,792 SH   SOLE   0 0 68,792
ISHARES TR USA MOMENTUM FCT 46432F396 14,723 138,274 SH   SOLE   0 0 138,274
ISHARES TR EDGE MSCI USA VL 46432F388 14,551 230,963 SH   SOLE   0 0 230,963
ISHARES TR USA QUALITY FCTR 46432F339 15,267 188,388 SH   SOLE   0 0 188,388
ALPHABET INC CAP STK CL C 02079K107 307 264 SH   SOLE   0 0 264
TRISTATE CAP HLDGS INC COM 89678F100 179 18,500 SH   SOLE   0 0 18,500
ISHARES TR IBONDS SEP2020 46434V571 796 31,379 SH   SOLE   0 0 31,379
ALPHA ARCHITECT ETF TR US QUAN VALUE 02072L102 2,449 135,218 SH   SOLE   0 0 135,218
J P MORGAN EXCHANGE-TRADED F DIV RTN INT EQ 46641Q209 484 11,199 SH   SOLE   0 0 11,199
ISHARES TR IBONDS DEC20 ETF 46434VAQ3 1,573 62,379 SH   SOLE   0 0 62,379
ALPHA ARCHITECT ETF TR INTL QUAN VALUE 02072L201 1,602 77,077 SH   SOLE   0 0 77,077
ISHARES TR IBONDS DEC21 ETF 46434VBK5 1,138 46,168 SH   SOLE   0 0 46,168
ISHARES TR IBONDS DEC23 ETF 46434VAX8 535 21,396 SH   SOLE   0 0 21,396
ISHARES TR IBONDS DEC25 ETF 46434VBD1 243 9,744 SH   SOLE   0 0 9,744
ISHARES TR IBONDS DEC22 ETF 46434VBA7 533 21,489 SH   SOLE   0 0 21,489
ISHARES TR IBONDS DEC24 ETF 46434VBG4 335 13,553 SH   SOLE   0 0 13,553
ISHARES U S ETF TR SHT MAT MUN ETF 46431W838 531 10,672 SH   SOLE   0 0 10,672
ISHARES TR INTL MOMENTUM FT 46434V449 7,574 286,240 SH   SOLE   0 0 286,240
ISHARES TR INTL QLTY FACTOR 46434V456 7,612 294,454 SH   SOLE   0 0 294,454
VANGUARD MUN BD FD INC TAX EXEMPT BD 922907746 3,576 67,606 SH   SOLE   0 0 67,606
ISHARES TR IBONDS DEC2022 46435G755 274 10,543 SH   SOLE   0 0 10,543
GOLDMAN SACHS ETF TR ACTIVEBETA US LG 381430503 8,316 159,338 SH   SOLE   0 0 159,338
ISHARES TR IBONDS DEC2021 46435G789 594 23,299 SH   SOLE   0 0 23,299
GOLDMAN SACHS ETF TR ACTIVEBETA EME 381430206 8,645 330,332 SH   SOLE   0 0 330,332
GOLDMAN SACHS ETF TR ACTIVEBETA INT 381430107 4,711 204,296 SH   SOLE   0 0 204,296
ISHARES TR INTL VALUE FACTR 46435G409 7,794 442,814 SH   SOLE   0 0 442,814
JOHN HANCOCK ETF TRUST MLTFCTR LRG CAP 47804J107 231 7,213 SH   SOLE   0 0 7,213
ALPHA ARCHITECT ETF TR INTL QUAN MOMNTM 02072L300 1,568 75,751 SH   SOLE   0 0 75,751
J P MORGAN EXCHANGE-TRADED F JPMORGAN DIVER 46641Q407 204 3,485 SH   SOLE   0 0 3,485
ALPHA ARCHITECT ETF TR US QUAN MOMENTUM 02072L409 2,606 100,349 SH   SOLE   0 0 100,349
GOLDMAN SACHS ETF TR ACCES TREASURY 381430529 652 6,468 SH   SOLE   0 0 6,468
ISHARES TR CR 5 10 YR ETF 46435G417 3,414 66,620 SH   SOLE   0 0 66,620
ISHARES TR IBONDS DEC2023 46435G318 211 8,243 SH   SOLE   0 0 8,243
J P MORGAN EXCHANGE-TRADED F US QUALTY FCTR 46641Q761 253 9,914 SH   SOLE   0 0 9,914
J P MORGAN EXCHANGE-TRADED F US MOMENTUM 46641Q779 266 10,661 SH   SOLE   0 0 10,661
J P MORGAN EXCHANGE-TRADED F US VALUE FACTR 46641Q753 247 12,196 SH   SOLE   0 0 12,196
COLONY CR REAL ESTATE INC COM CL A 19625T101 56 14,206 SH   SOLE   0 0 14,206