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
ALPHABET INC CAP STK CL C 02079K107 326 130 SH   SOLE   0 0 130
ALPHABET INC CAP STK CL A 02079K305 271 111 SH   SOLE   0 0 111
AMAZON COM INC COM 023135106 378 110 SH   SOLE   0 0 110
AMERICAN ELEC PWR CO INC COM 025537101 221 2,616 SH   SOLE   0 0 2,616
AMERICAN WTR WKS CO INC NEW COM 030420103 270 1,750 SH   SOLE   0 0 1,750
APPLE INC COM 037833100 2,739 19,999 SH   SOLE   0 0 19,999
APPLIED MATLS INC COM 038222105 251 1,763 SH   SOLE   0 0 1,763
ARK ETF TR GENOMIC REV ETF 00214Q302 248 2,686 SH   SOLE   0 0 2,686
AT&T INC COM 00206R102 321 11,159 SH   SOLE   0 0 11,159
BIONTECH SE SPONSORED ADS 09075V102 336 1,503 SH   SOLE   0 0 1,503
BOEING CO COM 097023105 201 840 SH   SOLE   0 0 840
CHEVRON CORP NEW COM 166764100 473 4,520 SH   SOLE   0 0 4,520
CLOUGH GLOBAL EQUITY FD COM 18914C100 162 10,991 SH   SOLE   0 0 10,991
CORNING INC COM 219350105 246 6,012 SH   SOLE   0 0 6,012
DEERE & CO COM 244199105 252 714 SH   SOLE   0 0 714
DOMINION ENERGY INC COM 25746U109 423 5,751 SH   SOLE   0 0 5,751
DUKE ENERGY CORP NEW COM NEW 26441C204 285 2,885 SH   SOLE   0 0 2,885
EATON VANCE TAX-MANAGED BUY- COM 27828Y108 424 26,023 SH   SOLE   0 0 26,023
EMERSON ELEC CO COM 291011104 215 2,229 SH   SOLE   0 0 2,229
EXXON MOBIL CORP COM 30231G102 267 4,237 SH   SOLE   0 0 4,237
FACEBOOK INC CL A 30303M102 205 589 SH   SOLE   0 0 589
FIDELITY COVINGTON TRUST MSCI ENERGY IDX 316092402 331 22,466 SH   SOLE   0 0 22,466
FIDELITY COVINGTON TRUST MSCI INFO TECH I 316092808 2,041 17,327 SH   SOLE   0 0 17,327
FIDELITY COVINGTON TRUST MSCI MATLS INDEX 316092881 320 6,923 SH   SOLE   0 0 6,923
FIDELITY COVINGTON TRUST MSCI RL EST ETF 316092857 652 21,413 SH   SOLE   0 0 21,413
FIDELITY COVINGTON TRUST MSCI COMMNTN SVC 316092873 1,441 26,436 SH   SOLE   0 0 26,436
FIDELITY COVINGTON TRUST MSCI FINLS IDX 316092501 1,865 35,626 SH   SOLE   0 0 35,626
FIDELITY COVINGTON TRUST MSCI HLTH CARE I 316092600 2,238 35,114 SH   SOLE   0 0 35,114
FIDELITY COVINGTON TRUST MSCI CONSM DIS 316092204 995 12,272 SH   SOLE   0 0 12,272
FIDELITY COVINGTON TRUST CONSMR STAPLES 316092303 487 11,429 SH   SOLE   0 0 11,429
FIDELITY COVINGTON TRUST MSCI INDL INDX 316092709 893 16,472 SH   SOLE   0 0 16,472
GENERAL ELECTRIC CO COM 369604103 207 15,413 SH   SOLE   0 0 15,413
HOME DEPOT INC COM 437076102 330 1,034 SH   SOLE   0 0 1,034
INTEL CORP COM 458140100 868 15,465 SH   SOLE   0 0 15,465
INTERNATIONAL BUSINESS MACHS COM 459200101 245 1,674 SH   SOLE   0 0 1,674
INVESCO ACTIVELY MANAGED ETF ULTRA SHRT DUR 46090A887 237 4,692 SH   SOLE   0 0 4,692
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 2,452 16,266 SH   SOLE   0 0 16,266
ISHARES INC CORE MSCI EMKT 46434G103 1,508 22,503 SH   SOLE   0 0 22,503
ISHARES TR SELECT DIVID ETF 464287168 248 2,124 SH   SOLE   0 0 2,124
ISHARES TR PFD AND INCM SEC 464288687 239 6,078 SH   SOLE   0 0 6,078
ISHARES TR CORE 1 5 YR USD 46432F859 4,664 90,932 SH   SOLE   0 0 90,932
ISHARES TR IBOXX INV CP ETF 464287242 3,658 27,223 SH   SOLE   0 0 27,223
ISHARES TR USD INV GRDE ETF 464288620 714 11,784 SH   SOLE   0 0 11,784
ISHARES TR CORE MSCI EAFE 46432F842 3,619 48,339 SH   SOLE   0 0 48,339
ISHARES TR CORE S&P SCP ETF 464287804 995 8,804 SH   SOLE   0 0 8,804
ISHARES TR CORE S&P US GWT 464287671 3,240 32,090 SH   SOLE   0 0 32,090
ISHARES TR CORE S&P US VLU 464287663 4,421 61,435 SH   SOLE   0 0 61,435
ISHARES TR US TREAS BD ETF 46429B267 1,550 58,277 SH   SOLE   0 0 58,277
ISHARES TR CORE MSCI INTL 46435G326 1,127 16,702 SH   SOLE   0 0 16,702
ISHARES TR CORE S&P MCP ETF 464287507 676 2,516 SH   SOLE   0 0 2,516
ISHARES TR S&P 100 ETF 464287101 319 1,628 SH   SOLE   0 0 1,628
ISHARES TR CORE S&P500 ETF 464287200 987 2,296 SH   SOLE   0 0 2,296
ISHARES TR ISHARES BIOTECH 464287556 355 2,169 SH   SOLE   0 0 2,169
ISHARES TR FLTG RATE NT ETF 46429B655 601 11,818 SH   SOLE   0 0 11,818
ISHARES TR CORE S&P TTL STK 464287150 262 2,648 SH   SOLE   0 0 2,648
ISHARES TR BLACKROCK ULTRA 46434V878 1,797 35,573 SH   SOLE   0 0 35,573
ISHARES TR 0-5YR INVT GR CP 46434V100 361 6,956 SH   SOLE   0 0 6,956
J P MORGAN EXCHANGE-TRADED F ULTRA SHRT INC 46641Q837 289 5,688 SH   SOLE   0 0 5,688
JOHNSON & JOHNSON COM 478160104 854 5,186 SH   SOLE   0 0 5,186
JPMORGAN CHASE & CO COM 46625H100 734 4,721 SH   SOLE   0 0 4,721
LILLY ELI & CO COM 532457108 301 1,312 SH   SOLE   0 0 1,312
LOWES COS INC COM 548661107 254 1,312 SH   SOLE   0 0 1,312
MCDONALDS CORP COM 580135101 218 945 SH   SOLE   0 0 945
MICRON TECHNOLOGY INC COM 595112103 214 2,520 SH   SOLE   0 0 2,520
MICROSOFT CORP COM 594918104 1,788 6,599 SH   SOLE   0 0 6,599
NORTHROP GRUMMAN CORP COM 666807102 436 1,200 SH   SOLE   0 0 1,200
NVIDIA CORPORATION COM 67066G104 637 796 SH   SOLE   0 0 796
ORACLE CORP COM 68389X105 667 8,565 SH   SOLE   0 0 8,565
PEPSICO INC COM 713448108 487 3,285 SH   SOLE   0 0 3,285
PFIZER INC COM 717081103 214 5,470 SH   SOLE   0 0 5,470
PIMCO ETF TR 1-5 US TIP IDX 72201R205 207 3,765 SH   SOLE   0 0 3,765
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 630 6,177 SH   SOLE   0 0 6,177
PIMCO ETF TR SHTRM MUN BD ACT 72201R874 209 4,070 SH   SOLE   0 0 4,070
PROCTER AND GAMBLE CO COM 742718109 1,287 9,539 SH   SOLE   0 0 9,539
PUTNAM PREMIER INCOME TR SH BEN INT 746853100 48 10,271 SH   SOLE   0 0 10,271
QUALCOMM INC COM 747525103 259 1,810 SH   SOLE   0 0 1,810
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755 390 11,730 SH   SOLE   0 0 11,730
SCHWAB STRATEGIC TR US TIPS ETF 808524870 284 4,551 SH   SOLE   0 0 4,551
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771 615 11,236 SH   SOLE   0 0 11,236
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730 268 8,319 SH   SOLE   0 0 8,319
SCHWAB STRATEGIC TR INTRM TRM TRES 808524854 653 11,476 SH   SOLE   0 0 11,476
SELECT SECTOR SPDR TR ENERGY 81369Y506 569 10,556 SH   SOLE   0 0 10,556
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 647 3,626 SH   SOLE   0 0 3,626
SELECT SECTOR SPDR TR RL EST SEL SEC 81369Y860 255 5,745 SH   SOLE   0 0 5,745
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886 474 7,504 SH   SOLE   0 0 7,504
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704 238 2,326 SH   SOLE   0 0 2,326
SPDR GOLD TR GOLD SHS 78463V107 263 1,587 SH   SOLE   0 0 1,587
SPDR SER TR NUVEEN BLMBRG SR 78468R739 376 7,589 SH   SOLE   0 0 7,589
UNION PAC CORP COM 907818108 293 1,334 SH   SOLE   0 0 1,334
UNITEDHEALTH GROUP INC COM 91324P102 200 500 SH   SOLE   0 0 500
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 359 4,180 SH   SOLE   0 0 4,180
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 371 4,513 SH   SOLE   0 0 4,513
VANGUARD BD INDEX FDS INTERMED TERM 921937819 254 2,820 SH   SOLE   0 0 2,820
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 297 5,199 SH   SOLE   0 0 5,199
VANGUARD INDEX FDS VALUE ETF 922908744 2,036 14,811 SH   SOLE   0 0 14,811
VANGUARD INDEX FDS GROWTH ETF 922908736 2,156 7,516 SH   SOLE   0 0 7,516
VANGUARD INDEX FDS SMALL CP ETF 922908751 562 2,495 SH   SOLE   0 0 2,495
VANGUARD INDEX FDS MID CAP ETF 922908629 403 1,698 SH   SOLE   0 0 1,698
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 338 3,316 SH   SOLE   0 0 3,316
VANGUARD INDEX FDS TOTAL STK MKT 922908769 662 2,973 SH   SOLE   0 0 2,973
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 5,397 102,970 SH   SOLE   0 0 102,970
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 6,839 82,683 SH   SOLE   0 0 82,683
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 718 11,681 SH   SOLE   0 0 11,681
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 2,480 26,086 SH   SOLE   0 0 26,086
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 1,039 6,712 SH   SOLE   0 0 6,712
VANGUARD STAR FDS VG TL INTL STK F 921909768 1,135 17,284 SH   SOLE   0 0 17,284
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 418 8,109 SH   SOLE   0 0 8,109
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 844 8,059 SH   SOLE   0 0 8,059
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810 452 5,165 SH   SOLE   0 0 5,165
VANGUARD WORLD FD MEGA GRWTH IND 921910816 294 1,271 SH   SOLE   0 0 1,271
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504 258 1,043 SH   SOLE   0 0 1,043
VANGUARD WORLD FDS CONSUM STP ETF 92204A207 844 4,623 SH   SOLE   0 0 4,623
VANGUARD WORLD FDS INDUSTRIAL ETF 92204A603 1,035 5,270 SH   SOLE   0 0 5,270
VANGUARD WORLD FDS INF TECH ETF 92204A702 2,028 5,086 SH   SOLE   0 0 5,086
VANGUARD WORLD FDS CONSUM DIS ETF 92204A108 203 645 SH   SOLE   0 0 645
VANGUARD WORLD FDS ENERGY ETF 92204A306 339 4,462 SH   SOLE   0 0 4,462
VANGUARD WORLD FDS FINANCIALS ETF 92204A405 378 4,175 SH   SOLE   0 0 4,175
VERIZON COMMUNICATIONS INC COM 92343V104 394 7,034 SH   SOLE   0 0 7,034
WATERS CORP COM 941848103 311 900 SH   SOLE   0 0 900
WILLIAMS COS INC COM 969457100 215 8,090 SH   SOLE   0 0 8,090