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
ABBOTT LABS COM 002824100 811 9,230 SH   SOLE 0 0 9,230
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 529 2,522 SH   SOLE 0 0 2,522
ACTIVISION BLIZZARD INC COM 00507V109 268 4,627 SH   SOLE 0 0 4,627
ADOBE INC COM 00724F101 454 1,381 SH   OTR 0 0 1,381
ADOBE INC COM 00724F101 722 2,167 SH   SOLE 0 0 2,167
ALLSTATE CORP COM 020002101 367 3,316 SH   SOLE 0 0 3,316
ALPHABET INC CAP STK CL C 02079K107 238 178 SH   SOLE 0 0 178
ALPHABET INC CAP STK CL A 02079K305 479 361 SH   OTR 0 0 361
ALPHABET INC CAP STK CL A 02079K305 503 379 SH   SOLE 0 0 379
AMAZON COM INC COM 023135106 573 303 SH   OTR 0 0 303
AMAZON COM INC COM 023135106 829 436 SH   SOLE 0 0 436
AMERICAN FIN TR INC COM CLASS A 02607T109 249 18,784 SH   SOLE 0 0 18,784
AMERICAN TOWER CORP NEW COM 03027X100 600 2,593 SH   SOLE 0 0 2,593
AMGEN INC COM 031162100 681 2,836 SH   SOLE 0 0 2,836
ANALOG DEVICES INC COM 032654105 574 4,819 SH   OTR 0 0 4,819
ANALOG DEVICES INC COM 032654105 792 6,677 SH   SOLE 0 0 6,677
ANTHEM INC COM 036752103 350 1,157 SH   SOLE 0 0 1,157
APPLE INC COM 037833100 5,830 19,845 SH   SOLE 0 0 19,845
APPLIED MATLS INC COM 038222105 464 7,596 SH   SOLE 0 0 7,596
ARCONIC INC COM 03965L100 248 8,031 SH   SOLE 0 0 8,031
ASHLAND GLOBAL HLDGS INC COM 044186104 443 5,740 SH   SOLE 0 0 5,740
AT&T INC COM 00206R102 723 18,602 SH   SOLE 0 0 18,602
AUTODESK INC COM 052769106 564 3,046 SH   OTR 0 0 3,046
AUTODESK INC COM 052769106 477 2,605 SH   SOLE 0 0 2,605
AUTOMATIC DATA PROCESSING IN COM 053015103 950 5,600 SH   SOLE 0 0 5,600
AVALONBAY CMNTYS INC COM 053484101 357 1,670 SH   SOLE 0 0 1,670
BANK AMER CORP COM 060505104 2,411 68,433 SH   SOLE 0 0 68,433
BCE INC COM NEW 05534B760 423 9,217 SH   SOLE 0 0 9,217
BECTON DICKINSON & CO COM 075887109 531 1,949 SH   OTR 0 0 1,949
BECTON DICKINSON & CO COM 075887109 971 3,553 SH   SOLE 0 0 3,553
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 255 1,131 SH   SOLE 0 0 1,131
BIO TECHNE CORP COM 09073M104 504 2,283 SH   OTR 0 0 2,283
BLACKROCK INC COM 09247X101 1,084 2,021 SH   SOLE 0 0 2,021
BROADCOM INC COM 11135F101 1,157 3,640 SH   SOLE 0 0 3,640
CAPITAL ONE FINL CORP COM 14040H105 510 4,958 SH   SOLE 0 0 4,958
CARDINAL HEALTH INC COM 14149Y108 682 13,501 SH   SOLE 0 0 13,501
CATERPILLAR INC DEL COM 149123101 684 4,632 SH   SOLE 0 0 4,632
CEDAR FAIR L P DEPOSITRY UNIT 150185106 1,039 18,733 SH   SOLE 0 0 18,733
CHEVRON CORP NEW COM 166764100 363 2,979 SH   OTR 0 0 2,979
CHEVRON CORP NEW COM 166764100 450 3,659 SH   SOLE 0 0 3,659
CHIPOTLE MEXICAN GRILL INC COM 169656105 580 686 SH   SOLE 0 0 686
CISCO SYS INC COM 17275R102 541 11,371 SH   OTR 0 0 11,371
CISCO SYS INC COM 17275R102 2,475 51,828 SH   SOLE 0 0 51,828
CITIZENS FINL GROUP INC COM 174610105 338 8,165 SH   SOLE 0 0 8,165
CME GROUP INC COM CL A 12572Q105 537 2,685 SH   OTR 0 0 2,685
CME GROUP INC COM CL A 12572Q105 509 2,529 SH   SOLE 0 0 2,529
COCA COLA CO COM 191216100 238 4,310 SH   SOLE 0 0 4,310
COMCAST CORP NEW CL A 20030N101 460 10,250 SH   SOLE 0 0 10,250
CONOCOPHILLIPS COM 20825C104 569 8,794 SH   SOLE 0 0 8,794
CONSTELLATION BRANDS INC CL A 21036P108 2,432 12,766 SH   SOLE 0 0 12,766
COSTCO WHSL CORP NEW COM 22160K105 519 1,773 SH   OTR 0 0 1,773
COSTCO WHSL CORP NEW COM 22160K105 1,196 4,063 SH   SOLE 0 0 4,063
DANAHER CORP DEL COM 235851102 1,343 8,760 SH   SOLE 0 0 8,760
DARDEN RESTAURANTS INC COM 237194105 486 4,417 SH   SOLE 0 0 4,417
DEERE & CO COM 244199105 769 4,440 SH   SOLE 0 0 4,440
DIGITAL RLTY TR INC COM 253868103 373 3,124 SH   OTR 0 0 3,124
DIGITAL RLTY TR INC COM 253868103 508 4,227 SH   SOLE 0 0 4,227
DISCOVER FINL SVCS COM 254709108 762 9,003 SH   SOLE 0 0 9,003
DISNEY WALT CO COM DISNEY 254687106 1,143 7,955 SH   SOLE 0 0 7,955
DOMINION ENERGY INC COM 25746U109 1,553 18,759 SH   SOLE 0 0 18,759
ECOLAB INC COM 278865100 452 2,374 SH   OTR 0 0 2,374
EMERSON ELEC CO COM 291011104 245 3,225 SH   SOLE 0 0 3,225
EVERSOURCE ENERGY COM 30040W108 623 7,302 SH   SOLE 0 0 7,302
EXXON MOBIL CORP COM 30231G102 565 8,064 SH   SOLE 0 0 8,064
FACEBOOK INC CL A 30303M102 371 1,801 SH   OTR 0 0 1,801
FACEBOOK INC CL A 30303M102 1,273 6,234 SH   SOLE 0 0 6,234
FIRST TR EXCHANGE TRADED FD SENIOR LN FD 33738D309 1,976 41,157 SH   OTR 0 0 41,157
FIRST TR EXCHANGE TRADED FD SENIOR LN FD 33738D309 237 4,948 SH   SOLE 0 0 4,948
FIRST TR EXCHANGE TRADED FD FST LOW OPPT EFT 33739Q200 603 11,646 SH   OTR 0 0 11,646
FIRST TR STOXX EURO DIV FD COMMON SHS 33735T109 741 52,704 SH   SOLE 0 0 52,704
FORD MTR CO DEL COM PAR $0.01 345370860 183 19,779 SH   SOLE 0 0 19,779
GENERAL ELECTRIC CO COM 369604103 117 10,427 SH   SOLE 0 0 10,427
HOME DEPOT INC COM 437076102 2,457 11,262 SH   SOLE 0 0 11,262
HONEYWELL INTL INC COM 438516106 489 2,728 SH   OTR 0 0 2,728
HONEYWELL INTL INC COM 438516106 1,817 10,289 SH   SOLE 0 0 10,289
ILLINOIS TOOL WKS INC COM 452308109 1,147 6,406 SH   SOLE 0 0 6,406
ILLUMINA INC COM 452327109 523 1,559 SH   OTR 0 0 1,559
INTERCONTINENTAL EXCHANGE IN COM 45866F104 591 6,367 SH   SOLE 0 0 6,367
INTUIT COM 461202103 423 1,610 SH   SOLE 0 0 1,610
INVESCO ACTIVELY MANAGD ETF ULTRA SHRT DUR 46090A887 2,554 50,692 SH   OTR 0 0 50,692
INVESCO ACTIVELY MANAGD ETF ULTRA SHRT DUR 46090A887 15,099 299,889 SH   SOLE 0 0 299,889
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 1,307 11,292 SH   OTR 0 0 11,292
INVESCO EXCHNG TRADED FD TR S&P500 LOW VOL 46138E354 16,658 285,479 SH   SOLE 0 0 285,479
INVESCO QQQ TR UNIT SER 1 46090E103 512 2,397 SH   OTR 0 0 2,397
INVESCO QQQ TR UNIT SER 1 46090E103 2,360 11,105 SH   SOLE 0 0 11,105
IQVIA HLDGS INC COM 46266C105 496 3,233 SH   OTR 0 0 3,233
ISHARES GOLD TRUST ISHARES 464285105 173 12,051 SH   SOLE 0 0 12,051
ISHARES INC CORE MSCI EMKT 46434G103 502 9,388 SH   OTR 0 0 9,388
ISHARES TR CORE S&P TTL STK 464287150 315 4,332 SH   SOLE 0 0 4,332
ISHARES TR CORE S&P TTL STK 464287150 1,969 27,080 SH   OTR 0 0 27,080
ISHARES TR TIPS BD ETF 464287176 1,972 16,980 SH   SOLE 0 0 16,980
ISHARES TR CORE S&P500 ETF 464287200 218 675 SH   SOLE 0 0 675
ISHARES TR CORE US AGGBD ET 464287226 1,453 12,943 SH   SOLE 0 0 12,943
ISHARES TR MSCI EAFE ETF 464287465 461 6,684 SH   SOLE 0 0 6,684
ISHARES TR CORE S&P MCP ETF 464287507 1,012 4,934 SH   SOLE 0 0 4,934
ISHARES TR RUSSELL 2000 ETF 464287655 918 5,537 SH   SOLE 0 0 5,537
ISHARES TR U.S. REAL ES ETF 464287739 592 6,353 SH   SOLE 0 0 6,353
ISHARES TR INTRM TR CRP ETF 464288638 2,587 44,555 SH   OTR 0 0 44,555
ISHARES TR INTRM TR CRP ETF 464288638 9,297 160,530 SH   SOLE 0 0 160,530
ISHARES TR SH TR CRPORT ETF 464288646 1,449 27,048 SH   OTR 0 0 27,048
ISHARES TR RUS TP200 GR ETF 464289438 24,751 256,191 SH   SOLE 0 0 256,191
ISHARES TR FLTG RATE NT ETF 46429B655 1,698 33,353 SH   OTR 0 0 33,353
ISHARES TR FLTG RATE NT ETF 46429B655 204 3,972 SH   SOLE 0 0 3,972
ISHARES TR MIN VOL EAFE ETF 46429B689 1,071 14,396 SH   SOLE 0 0 14,396
ISHARES TR MIN VOL USA ETF 46429B697 1,145 17,471 SH   OTR 0 0 17,471
ISHARES TR MIN VOL USA ETF 46429B697 4,385 66,825 SH   SOLE 0 0 66,825
ISHARES TR CORE TOTAL USD 46434V613 1,024 19,670 SH   OTR 0 0 19,670
ISHARES US ETF TR SHT MAT BD ETF 46431W507 3,168 63,116 SH   OTR 0 0 63,116
ISHARES US ETF TR SHT MAT BD ETF 46431W507 393 7,805 SH   SOLE 0 0 7,805
JOHNSON & JOHNSON COM 478160104 940 6,420 SH   SOLE 0 0 6,420
JP MORGAN EXCHANGE TRADED FD ULTRA SHRT INC 46641Q837 1,090 21,534 SH   OTR 0 0 21,534
JPMORGAN CHASE & CO COM 46625H100 3,108 22,215 SH   SOLE 0 0 22,215
KINDER MORGAN INC DEL COM 49456B101 280 13,013 SH   SOLE 0 0 13,013
KLA-TENCOR CORP COM 482480100 788 4,408 SH   SOLE 0 0 4,408
LAUDER ESTEE COS INC CL A 518439104 643 3,101 SH   SOLE 0 0 3,101
LILLY ELI & CO COM 532457108 2,391 18,269 SH   SOLE 0 0 18,269
LOCKHEED MARTIN CORP COM 539830109 4,592 11,689 SH   SOLE 0 0 11,689
LOWES COS INC COM 548661107 696 5,821 SH   SOLE 0 0 5,821
LULULEMON ATHLETICA INC COM 550021109 4,744 20,541 SH   SOLE 0 0 20,541
MASCO CORP COM 574599106 573 11,747 SH   SOLE 0 0 11,747
MASTERCARD INCORPORATED CL A 57636Q104 663 2,225 SH   SOLE 0 0 2,225
MCDONALDS CORP COM 580135101 621 3,106 SH   SOLE 0 0 3,106
MEDTRONIC PLC SHS G5960L103 504 4,437 SH   SOLE 0 0 4,437
MERCK & CO INC COM 58933Y105 405 4,471 SH   OTR 0 0 4,471
MERCK & CO INC COM 58933Y105 1,502 16,500 SH   SOLE 0 0 16,500
MICROSOFT CORP COM 594918104 3,508 22,231 SH   SOLE 0 0 22,231
MOODYS CORP COM 615369105 540 2,248 SH   SOLE 0 0 2,248
MOODYS CORP COM 615369105 528 2,227 SH   OTR 0 0 2,227
MOTOROLA SOLUTIONS INC COM NEW 620076307 533 3,333 SH   SOLE 0 0 3,333
NETFLIX INC COM 64110L106 2,119 6,445 SH   SOLE 0 0 6,445
NEWMONT MINING CORP COM 651639106 526 11,985 SH   SOLE 0 0 11,985
NEXTERA ENERGY INC COM 65339F101 580 2,415 SH   SOLE 0 0 2,415
NIKE INC CL B 654106103 586 5,731 SH   SOLE 0 0 5,731
NORTHROP GRUMMAN CORP COM 666807102 691 2,032 SH   SOLE 0 0 2,032
NOVARTIS A G SPONSORED ADR 66987V109 470 4,990 SH   SOLE 0 0 4,990
NVIDIA CORP COM 67066G104 619 2,618 SH   OTR 0 0 2,618
NVIDIA CORP COM 67066G104 3,502 14,898 SH   SOLE 0 0 14,898
OSI ETF TR OSHARS FTSE US 67110P407 396 10,754 SH   OTR 0 0 10,754
PARKER HANNIFIN CORP COM 701094104 351 1,701 SH   SOLE 0 0 1,701
PAYCHEX INC COM 704326107 882 10,311 SH   SOLE 0 0 10,311
PAYPAL HLDGS INC COM 70450Y103 489 4,512 SH   OTR 0 0 4,512
PEPSICO INC COM 713448108 734 5,374 SH   SOLE 0 0 5,374
PIMCO ETF TR 0-5 HIGH YIELD 72201R783 36,113 362,473 SH   SOLE 0 0 362,473
PIMCO ETF TR 0-5 HIGH YIELD 72201R783 1,710 17,154 SH   OTR 0 0 17,154
PNC FINL SVCS GROUP INC COM 693475105 614 3,785 SH   SOLE 0 0 3,785
PROCTER AND GAMBLE CO COM 742718109 630 5,120 SH   SOLE 0 0 5,120
PROGRESSIVE CORP OHIO COM 743315103 378 5,234 SH   OTR 0 0 5,234
PROGRESSIVE CORP OHIO COM 743315103 653 9,020 SH   SOLE 0 0 9,020
PUBLIC SVC ENTERPRISE GROUP COM 744573106 784 13,258 SH   SOLE 0 0 13,258
QUALCOMM INC COM 747525103 714 8,130 SH   SOLE 0 0 8,130
ROPER TECHNOLOGIES INC COM 776696106 511 1,439 SH   OTR 0 0 1,439
ROPER TECHNOLOGIES INC COM 776696106 471 1,340 SH   SOLE 0 0 1,340
ROYAL BK CDA MONTREAL QUE COM 780087102 619 7,851 SH   SOLE 0 0 7,851
ROYAL DUTCH SHELL PLC SPONS ADR A 780259206 559 9,452 SH   SOLE 0 0 9,452
SALESFORCE COM INC COM 79466L302 679 4,147 SH   SOLE 0 0 4,147
SALESFORCE COM INC COM 79466L302 451 2,743 SH   OTR 0 0 2,743
SCHWAB CHARLES CORP NEW COM 808513105 403 8,429 SH   SOLE 0 0 8,429
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 7,421 96,465 SH   SOLE 0 0 96,465
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 1,764 30,458 SH   SOLE 0 0 30,458
SEMPRA ENERGY COM 816851109 203 1,344 SH   SOLE 0 0 1,344
SERVICENOW INC COM 81762P102 318 1,111 SH   OTR 0 0 1,111
SHERWIN WILLIAMS CO COM 824348106 372 639 SH   SOLE 0 0 639
SPDR GOLD TRUST GOLD SHS 78463V107 369 2,582 SH   OTR 0 0 2,582
SPDR GOLD TRUST GOLD SHS 78463V107 215 1,505 SH   SOLE 0 0 1,505
SPDR S&P 500 ETF TR TR UNIT 78462F103 1,144 3,540 SH   SOLE 0 0 3,540
SPDR SER TR BLOMBERG BRC INV 78468R200 26,628 866,873 SH   SOLE 0 0 866,873
SPDR SER TR BLOMBERG BRC INV 78468R200 357 11,563 SH   OTR 0 0 11,563
SPDR SER TR BLOOMBERG SRT TR 78468R408 822 30,465 SH   SOLE 0 0 30,465
SSGA ACTIVE ETF TR BLKSTN GSOSRLN 78467V608 1,383 29,646 SH   OTR 0 0 29,646
STRYKER CORP COM 863667101 586 2,818 SH   OTR 0 0 2,818
STRYKER CORP COM 863667101 468 2,227 SH   SOLE 0 0 2,227
SYSCO CORP COM 871829107 1,347 15,827 SH   SOLE 0 0 15,827
T MOBILE US INC COM 872590104 528 6,685 SH   SOLE 0 0 6,685
TEXAS INSTRS INC COM 882508104 425 3,315 SH   SOLE 0 0 3,315
THERMO FISHER SCIENTIFIC INC COM 883556102 527 1,613 SH   OTR 0 0 1,613
THERMO FISHER SCIENTIFIC INC COM 883556102 592 1,798 SH   SOLE 0 0 1,798
ULTA BEAUTY INC COM 90384S303 342 1,305 SH   SOLE 0 0 1,305
UNION PAC CORP COM 907818108 674 3,752 SH   SOLE 0 0 3,752
UNITED STS COMMODITY INDEX F COMM IDX FND 911717106 858 23,128 SH   SOLE 0 0 23,128
UNITED TECHNOLOGIES CORP COM 913017109 460 3,078 SH   SOLE 0 0 3,078
UNITEDHEALTH GROUP INC COM 91324P102 4,847 16,472 SH   SOLE 0 0 16,472
V F CORP COM 918204108 607 6,157 SH   SOLE 0 0 6,157
VALERO ENERGY CORP NEW COM 91913Y100 1,013 10,794 SH   SOLE 0 0 10,794
VANECK VECTORS ETF TR FALLEN ANGEL HG 92189F437 1,385 46,579 SH   OTR 0 0 46,579
VANECK VECTORS ETF TR FALLEN ANGEL HG 92189F437 225 7,518 SH   SOLE 0 0 7,518
VANGUARD BD INDEX FD INC SHORT TRM BOND 921937827 1,286 15,980 SH   SOLE 0 0 15,980
VANGUARD BD INDEX FD INC TOTAL BND MRKT 921937835 418 4,991 SH   SOLE 0 0 4,991
VANGUARD GROUP DIV APP ETF 921908844 739 5,946 SH   SOLE 0 0 5,946
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 1,195 4,027 SH   OTR 0 0 4,027
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 208 703 SH   SOLE 0 0 703
VANGUARD INDEX FDS MID CAP ETF 922908629 2,878 16,146 SH   SOLE 0 0 16,146
VANGUARD INDEX FDS GROWTH ETF 922908736 906 4,940 SH   SOLE 0 0 4,940
VANGUARD INDEX FDS VALUE ETF 922908744 693 5,743 SH   SOLE 0 0 5,743
VANGUARD INDEX FDS TOTAL STK MKT 922908769 1,405 8,625 SH   SOLE 0 0 8,625
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 1,452 32,672 SH   SOLE 0 0 32,672
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 1,751 21,594 SH   SOLE 0 0 21,594
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 955 10,497 SH   SOLE 0 0 10,497
VANGUARD WORLD FDS INF TECH ETF 92204A702 322 1,322 SH   SOLE 0 0 1,322
VERIZON COMMUNICATIONS INC COM 92343V104 511 8,339 SH   SOLE 0 0 8,339
VISA INC COM CL A 92826C839 616 3,247 SH   OTR 0 0 3,247
VISA INC COM CL A 92826C839 3,708 19,614 SH   SOLE 0 0 19,614
WALMART INC COM 931142103 536 4,531 SH   SOLE 0 0 4,531
WASTE MGMT INC DEL COM 94106L109 541 4,730 SH   SOLE 0 0 4,730
WISDOMTREE TR EUROPE HEDGED EQ 97717X701 385 5,471 SH   OTR 0 0 5,471
XCEL ENERGY INC COM 98389B100 402 6,396 SH   SOLE 0 0 6,396
ZOETIS INC CL A 98978V103 583 4,453 SH   SOLE 0 0 4,453