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
3M CO COM 88579Y101 238 1,355 SH   SOLE   1,355 0 0
ABBVIE INC COM 00287Y109 615 5,705 SH   SOLE   5,705 0 0
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 512 1,599 SH   SOLE   1,599 0 0
ADOBE SYSTEMS INCORPORATED COM 00724F101 805 1,398 SH   SOLE   1,398 0 0
ADVANCED MICRO DEVICES INC COM 007903107 221 2,148 SH   SOLE   2,148 0 0
ALPHABET INC CAP STK CL A 02079K305 2,080 778 SH   SOLE   698 0 80
ALPHABET INC CAP STK CL C 02079K107 1,354 508 SH   SOLE   355 0 153
ALTRIA GROUP INC COM 02209S103 267 5,871 SH   SOLE   5,871 0 0
AMAZON COM INC COM 023135106 2,674 814 SH   SOLE   666 0 148
AMERICAN TOWER CORP NEW COM 03027X100 203 766 SH   SOLE   766 0 0
AMERICAN WTR WKS CO INC NEW COM 030420103 217 1,281 SH   SOLE   1,281 0 0
AMGEN INC COM 031162100 663 3,119 SH   SOLE   2,123 0 996
APPLE INC COM 037833100 18,936 133,827 SH   SOLE   90,192 0 43,635
APPLIED MATLS INC COM 038222105 242 1,877 SH   SOLE   1,877 0 0
ARCHER DANIELS MIDLAND CO COM 039483102 203 3,391 SH   SOLE   3,391 0 0
ARK ETF TR INNOVATION ETF 00214Q104 348 3,153 SH   SOLE   501 0 2,652
ASML HOLDING N V N Y REGISTRY SHS N07059210 241 323 SH   SOLE   323 0 0
AT&T INC COM 00206R102 519 19,210 SH   SOLE   19,210 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 2,281 8,358 SH   SOLE   993 0 7,365
BK OF AMERICA CORP COM 060505104 368 8,662 SH   SOLE   8,662 0 0
BLACKROCK DEBT STRATEGIES FD COM NEW 09255R202 159 13,818 SH   SOLE   13,818 0 0
BLACKSTONE INC COM 09260D107 396 3,402 SH   SOLE   3,402 0 0
BNY MELLON STRATEGIC MUNS IN COM 05588W108 173 19,885 SH   SOLE   19,885 0 0
BOEING CO COM 097023105 371 1,688 SH   SOLE   754 0 934
BRISTOL-MYERS SQUIBB CO COM 110122108 417 7,043 SH   SOLE   7,043 0 0
CBRE CLARION GLOBAL REAL EST COM 12504G100 84 10,000 SH   SOLE   10,000 0 0
CHASE CORP COM 16150R104 414 4,055 SH   SOLE   0 0 4,055
CHEVRON CORP NEW COM 166764100 251 2,471 SH   SOLE   2,471 0 0
CINTAS CORP COM 172908105 238 625 SH   SOLE   625 0 0
CISCO SYS INC COM 17275R102 708 13,015 SH   SOLE   13,015 0 0
COCA COLA CO COM 191216100 877 16,711 SH   SOLE   9,550 0 7,161
COMCAST CORP NEW CL A 20030N101 340 6,075 SH   SOLE   6,075 0 0
COSTCO WHSL CORP NEW COM 22160K105 538 1,196 SH   SOLE   1,196 0 0
CROWN CASTLE INTL CORP NEW COM 22822V101 306 1,766 SH   SOLE   1,766 0 0
CUMMINS INC COM 231021106 219 976 SH   SOLE   976 0 0
DANAHER CORPORATION COM 235851102 549 1,802 SH   SOLE   1,802 0 0
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203 6,788 234,803 SH   SOLE   234,803 0 0
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708 1,019 38,351 SH   SOLE   38,351 0 0
DISNEY WALT CO COM 254687106 1,065 6,292 SH   SOLE   4,610 0 1,682
DOW INC COM 260557103 225 3,903 SH   SOLE   3,903 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204 312 3,199 SH   SOLE   3,199 0 0
EATON VANCE LTD DURATION INC COM 27828H105 516 39,134 SH   SOLE   39,134 0 0
ECOLAB INC COM 278865100 337 1,612 SH   SOLE   612 0 1,000
EDWARDS LIFESCIENCES CORP COM 28176E108 507 4,477 SH   SOLE   4,477 0 0
EQUINIX INC COM 29444U700 225 285 SH   SOLE   285 0 0
ETF SER SOLUTIONS DEFIANCE NEXT 26922A289 4,741 130,532 SH   SOLE   300 0 130,232
EVERSOURCE ENERGY COM 30040W108 1,237 15,129 SH   SOLE   15,129 0 0
EXXON MOBIL CORP COM 30231G102 256 4,357 SH   SOLE   4,357 0 0
FACEBOOK INC CL A 30303M102 1,866 5,500 SH   SOLE   3,734 0 1,766
FIRST TR EXCH TRADED FD III PFD SECS INC ETF 33739E108 902 43,935 SH   SOLE   43,935 0 0
FIRST TR EXCHANGE TRADED FD CLOUD COMPUTING 33734X192 341 3,239 SH   SOLE   3,239 0 0
FIRST TR EXCHANGE TRADED FD INTL EQUITY OPP 33734X853 2,929 45,722 SH   SOLE   45,722 0 0
FIRST TR EXCHANGE-TRADED FD SENIOR LN FD 33738D309 16,478 344,376 SH   SOLE   344,376 0 0
FIRST TR MORNINGSTAR DIVID L SHS 336917109 429 13,099 SH   SOLE   13,099 0 0
FRANKLIN ETF TR LIBERTY SHRT ETF 353506108 870 9,182 SH   SOLE   9,182 0 0
GLOBAL X FDS S&P 500 CATHOLIC 37954Y889 369 6,841 SH   SOLE   6,841 0 0
GOLDMAN SACHS GROUP INC COM 38141G104 270 714 SH   SOLE   714 0 0
HCA HEALTHCARE INC COM 40412C101 279 1,148 SH   SOLE   1,148 0 0
HOME DEPOT INC COM 437076102 1,499 4,566 SH   SOLE   3,189 0 1,377
HONEYWELL INTL INC COM 438516106 640 3,017 SH   SOLE   591 0 2,426
HP INC COM 40434L105 269 9,835 SH   SOLE   1,327 0 8,508
IDEXX LABS INC COM 45168D104 253 407 SH   SOLE   407 0 0
INTEL CORP COM 458140100 2,863 53,727 SH   SOLE   6,382 0 47,345
INTERNATIONAL BUSINESS MACHS COM 459200101 749 5,391 SH   SOLE   3,882 0 1,509
INTUIT COM 461202103 739 1,370 SH   SOLE   645 0 725
INVESCO ACTIVELY MANAGED ETF TOTAL RETURN 46090A804 2,567 45,187 SH   SOLE   45,187 0 0
INVESCO ACTIVELY MANAGED ETF ULTRA SHRT DUR 46090A887 38,915 771,043 SH   SOLE   0 0 771,043
INVESCO ACTIVLY MANGD ETC FD OPTIMUM YIELD 46090F100 5,872 278,959 SH   SOLE   0 0 278,959
INVESCO EXCH TRADED FD TR II CALIF AMT MUN 46138E206 413 14,885 SH   SOLE   0 0 14,885
INVESCO EXCH TRADED FD TR II FTSE RAFI DEV 46138E743 3,249 69,343 SH   SOLE   69,343 0 0
INVESCO EXCH TRADED FD TR II KBW BK ETF 46138E628 1,213 18,081 SH   SOLE   18,081 0 0
INVESCO EXCHANGE TRADED FD T S&P SML600 VAL 46137V167 2,189 23,551 SH   SOLE   23,551 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 64,883 433,075 SH   SOLE   348,417 0 84,658
INVESCO EXCHANGE TRADED FD T S&P500 PUR GWT 46137V266 515 2,674 SH   SOLE   2,674 0 0
ISHARES TR 0-5 YR TIPS ETF 46429B747 4,617 43,711 SH   SOLE   0 0 43,711
ISHARES TR 0-5YR HI YL CP 46434V407 6,239 136,516 SH   SOLE   0 0 136,516
ISHARES TR CORE S&P MCP ETF 464287507 1,399 5,317 SH   SOLE   205 0 5,112
ISHARES TR CORE S&P SCP ETF 464287804 1,208 11,069 SH   SOLE   837 0 10,232
ISHARES TR CORE S&P TTL STK 464287150 57,062 580,020 SH   SOLE   0 0 580,020
ISHARES TR CORE S&P500 ETF 464287200 1,388 3,221 SH   SOLE   1,562 0 1,659
ISHARES TR ESG AWRE 1 5 YR 46435G243 211 8,120 SH   SOLE   23 0 8,097
ISHARES TR FLTG RATE NT ETF 46429B655 2,280 44,845 SH   SOLE   335 0 44,510
ISHARES TR IBOXX INV CP ETF 464287242 554 4,162 SH   SOLE   241 0 3,921
ISHARES TR INTL SEL DIV ETF 464288448 2,483 81,639 SH   SOLE   81,639 0 0
ISHARES TR INTRM GOV CR ETF 464288612 3,271 28,409 SH   SOLE   28,409 0 0
ISHARES TR MSCI USA ESG SLC 464288802 266 2,772 SH   SOLE   2,772 0 0
ISHARES TR MSCI USA MIN VOL 46429B697 370 5,040 SH   SOLE   111 0 4,929
ISHARES TR MSCI USA QLT FCT 46432F339 2,239 16,994 SH   SOLE   483 0 16,511
ISHARES TR NATIONAL MUN ETF 464288414 712 6,129 SH   SOLE   298 0 5,831
ISHARES TR RUS 1000 VAL ETF 464287598 11,406 72,872 SH   SOLE   540 0 72,332
ISHARES TR SHORT TREAS BD 464288679 1,981 17,930 SH   SOLE   7,909 0 10,021
ISHARES TR SHRT NAT MUN ETF 464288158 641 5,956 SH   SOLE   0 0 5,956
ISHARES TR TIPS BD ETF 464287176 245 1,920 SH   SOLE   150 0 1,770
ISHARES TR US TREAS BD ETF 46429B267 19,561 737,299 SH   SOLE   8,629 0 728,670
J P MORGAN EXCHANGE-TRADED F EQUITY PREMIUM 46641Q332 830 13,930 SH   SOLE   13,930 0 0
J P MORGAN EXCHANGE-TRADED F ULTRA SHRT INC 46641Q837 473 9,324 SH   SOLE   9,324 0 0
J P MORGAN EXCHANGE-TRADED F ULTRA SHT MUNCPL 46641Q654 4,602 90,110 SH   SOLE   90,110 0 0
JOHNSON & JOHNSON COM 478160104 1,990 12,322 SH   SOLE   5,993 0 6,329
JPMORGAN CHASE & CO COM 46625H100 1,528 9,335 SH   SOLE   9,335 0 0
KLA CORP COM NEW 482480100 252 754 SH   SOLE   84 0 670
KROGER CO COM 501044101 370 9,154 SH   SOLE   671 0 8,483
LILLY ELI & CO COM 532457108 205 887 SH   SOLE   887 0 0
LOCKHEED MARTIN CORP COM 539830109 344 995 SH   SOLE   995 0 0
MARRIOTT INTL INC NEW CL A 571903202 216 1,453 SH   SOLE   51 0 1,402
MASTERCARD INCORPORATED CL A 57636Q104 415 1,194 SH   SOLE   1,194 0 0
MCDONALDS CORP COM 580135101 1,081 4,485 SH   SOLE   2,917 0 1,568
MERCK & CO INC COM 58933Y105 778 10,364 SH   SOLE   6,104 0 4,260
METLIFE INC COM 59156R108 213 3,458 SH   SOLE   3,458 0 0
MICROSOFT CORP COM 594918104 4,554 16,156 SH   SOLE   9,841 0 6,315
MID-AMER APT CMNTYS INC COM 59522J103 204 1,094 SH   SOLE   1,094 0 0
MODERNA INC COM 60770K107 218 566 SH   SOLE   566 0 0
MSCI INC COM 55354G100 206 339 SH   SOLE   339 0 0
NEXTERA ENERGY INC COM 65339F101 216 2,757 SH   SOLE   2,757 0 0
NIKE INC CL B 654106103 1,257 8,655 SH   SOLE   2,199 0 6,456
NORFOLK SOUTHN CORP COM 655844108 451 1,883 SH   SOLE   905 0 978
NUCOR CORP COM 670346105 377 3,827 SH   SOLE   140 0 3,687
NUVEEN MUN VALUE FD INC COM 670928100 291 25,303 SH   SOLE   25,303 0 0
NVIDIA CORPORATION COM 67066G104 812 3,919 SH   SOLE   3,919 0 0
ORACLE CORP COM 68389X105 304 3,483 SH   SOLE   285 0 3,198
PAYCHEX INC COM 704326107 394 3,500 SH   SOLE   3,500 0 0
PAYPAL HLDGS INC COM 70450Y103 1,046 4,020 SH   SOLE   4,020 0 0
PEPSICO INC COM 713448108 688 4,574 SH   SOLE   4,574 0 0
PFIZER INC COM 717081103 1,242 28,861 SH   SOLE   16,362 0 12,499
PHILIP MORRIS INTL INC COM 718172109 442 4,661 SH   SOLE   4,661 0 0
PIMCO ETF TR ACTIVE BD ETF 72201R775 882 7,975 SH   SOLE   349 0 7,626
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 786 7,716 SH   SOLE   7,716 0 0
PIMCO ETF TR ENHANCD SHORT 72201R643 17,404 172,901 SH   SOLE   172,901 0 0
PIMCO ETF TR SHTRM MUN BD ACT 72201R874 1,525 29,720 SH   SOLE   29,720 0 0
PROCTER AND GAMBLE CO COM 742718109 1,377 9,851 SH   SOLE   6,884 0 2,967
QUALCOMM INC COM 747525103 418 3,241 SH   SOLE   3,241 0 0
READY CAPITAL CORP COM 75574U101 338 23,415 SH   SOLE   23,415 0 0
REALTY INCOME CORP COM 756109104 368 5,672 SH   SOLE   12 0 5,660
RIVERVIEW BANCORP INC COM 769397100 290 39,904 SH   SOLE   0 0 39,904
ROKU INC COM CL A 77543R102 415 1,325 SH   SOLE   1,325 0 0
S&P GLOBAL INC COM 78409V104 291 686 SH   SOLE   686 0 0
SALESFORCE COM INC COM 79466L302 309 1,140 SH   SOLE   1,140 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 5,336 175,072 SH   SOLE   0 0 175,072
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 2,508 64,816 SH   SOLE   632 0 64,184
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755 12,309 374,937 SH   SOLE   0 0 374,937
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 401 4,003 SH   SOLE   4,003 0 0
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704 7,883 80,568 SH   SOLE   80,568 0 0
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100 7,918 100,091 SH   SOLE   100,091 0 0
SERVICENOW INC COM 81762P102 284 456 SH   SOLE   456 0 0
SHERWIN WILLIAMS CO COM 824348106 237 846 SH   SOLE   846 0 0
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109 24,504 72,435 SH   SOLE   315 0 72,120
SPDR GOLD TR GOLD SHS 78463V107 1,718 10,463 SH   SOLE   0 0 10,463
SPDR SER TR PORTFOLI S&P1500 78464A805 7,120 134,359 SH   SOLE   134,359 0 0
SPDR SER TR PORTFOLIO S&P400 78464A847 2,416 52,333 SH   SOLE   52,333 0 0
SPDR SER TR PORTFOLIO S&P500 78464A854 5,710 113,159 SH   SOLE   113,159 0 0
SPDR SER TR PORTFOLIO S&P600 78468R853 4,719 110,781 SH   SOLE   110,781 0 0
SPDR SER TR SPDR BLOOMBERG 78468R663 1,163 12,721 SH   SOLE   12,721 0 0
SPLUNK INC COM 848637104 248 1,715 SH   SOLE   1,715 0 0
SQUARE INC CL A 852234103 344 1,434 SH   SOLE   1,434 0 0
SSGA ACTIVE ETF TR SPDR TR TACTIC 78467V848 28,907 598,249 SH   SOLE   0 0 598,249
STARBUCKS CORP COM 855244109 744 6,744 SH   SOLE   2,699 0 4,045
TAYLOR DEVICES INC COM 877163105 226 20,000 SH   SOLE   0 0 20,000
TESLA INC COM 88160R101 1,381 1,781 SH   SOLE   1,064 0 717
TEXAS INSTRS INC COM 882508104 201 1,047 SH   SOLE   1,047 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102 585 1,024 SH   SOLE   1,024 0 0
TRANSUNION COM 89400J107 236 2,098 SH   SOLE   2,098 0 0
TRAVELERS COMPANIES INC COM 89417E109 353 2,324 SH   SOLE   2,324 0 0
UNITEDHEALTH GROUP INC COM 91324P102 1,246 3,190 SH   SOLE   3,190 0 0
US BANCORP DEL COM NEW 902973304 482 8,102 SH   SOLE   2,017 0 6,085
VANECK ETF TRUST INVESTMENT GRD 92189F486 571 22,480 SH   SOLE   22,480 0 0
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 268 4,690 SH   SOLE   150 0 4,540
VANGUARD INDEX FDS GROWTH ETF 922908736 3,675 12,663 SH   SOLE   12,663 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 937 3,959 SH   SOLE   3,959 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 25,074 63,575 SH   SOLE   63,575 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 11,917 54,497 SH   SOLE   2,675 0 51,822
VANGUARD INDEX FDS TOTAL STK MKT 922908769 12,860 57,911 SH   SOLE   57,911 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 275 4,515 SH   SOLE   4,515 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 10,467 209,301 SH   SOLE   75 0 209,226
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 11,876 225,864 SH   SOLE   0 0 225,864
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 573 8,484 SH   SOLE   0 0 8,484
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771 578 10,849 SH   SOLE   0 0 10,849
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 1,121 18,259 SH   SOLE   18,259 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 16,921 110,158 SH   SOLE   84,178 0 25,980
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 16,425 325,296 SH   SOLE   3,696 0 321,600
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 6,594 63,805 SH   SOLE   54,369 0 9,436
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810 4,100 47,004 SH   SOLE   0 0 47,004
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794 506 7,660 SH   SOLE   0 0 7,660
VANGUARD WORLD FD MEGA CAP INDEX 921910873 5,024 32,967 SH   SOLE   32,967 0 0
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504 9,777 39,558 SH   SOLE   50 0 39,508
VERIZON COMMUNICATIONS INC COM 92343V104 546 10,111 SH   SOLE   10,111 0 0
VIRTUS DIVIDEND INTEREST & P COM 92840R101 3,089 208,297 SH   SOLE   208,297 0 0
VISA INC COM CL A 92826C839 807 3,623 SH   SOLE   3,623 0 0
VSE CORP COM 918284100 337 7,000 SH   SOLE   0 0 7,000
WALMART INC COM 931142103 890 6,384 SH   SOLE   6,384 0 0
WEC ENERGY GROUP INC COM 92939U106 406 4,603 SH   SOLE   4,603 0 0
WEST PHARMACEUTICAL SVSC INC COM 955306105 215 507 SH   SOLE   507 0 0
WESTERN ASSET INTER MUNI FD COM 958435109 133 13,751 SH   SOLE   13,751 0 0
WEYERHAEUSER CO MTN BE COM NEW 962166104 422 11,869 SH   SOLE   1,012 0 10,857
ZOETIS INC CL A 98978V103 362 1,866 SH   SOLE   1,866 0 0