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
AT&T INC COM 00206R102 202 9,623 SH   SOLE NONE 0 0 9,623
AUTOMATIC DATA PROCESSING IN COM 053015103 957 4,554 SH   SOLE NONE 0 0 4,554
BROADRIDGE FINL SOLUTIONS IN COM 11133T103 268 1,877 SH   SOLE NONE 0 0 1,877
CHEVRON CORP NEW COM 166764100 843 5,820 SH   SOLE NONE 0 0 5,820
DIMENSIONAL ETF TRUST EMGR CRE EQT MNG 25434V302 6,467 279,247 SH   SOLE NONE 0 0 279,247
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203 757 31,369 SH   SOLE NONE 0 0 31,369
DIMENSIONAL ETF TRUST US CORE EQT MKT 25434V104 1,043 39,454 SH   SOLE NONE 0 0 39,454
EVERSOURCE ENERGY COM 30040W108 384 4,543 SH   SOLE NONE 0 0 4,543
FIRST TR EXCHNG TRADED FD VI TCW OPPORTUNIS 33740F805 1,202 25,922 SH   SOLE NONE 0 0 25,922
ISHARES INC MSCI EMERG MRKT 464286533 894 16,129 SH   SOLE NONE 0 0 16,129
ISHARES TR ISHS 1-5YR INVS 464288646 4,458 88,196 SH   SOLE NONE 0 0 88,196
ISHARES TR EAFE SML CP ETF 464288273 12,603 230,870 SH   SOLE NONE 0 0 230,870
ISHARES TR MSCI INTL MOMENT 46434V449 8,037 268,525 SH   SOLE NONE 0 0 268,525
ISHARES TR MSCI USA MMENTM 46432F396 8,607 63,112 SH   SOLE NONE 0 0 63,112
ISHARES TR MSCI EAFE MIN VL 46429B689 2,908 45,930 SH   SOLE NONE 0 0 45,930
ISHARES TR MSCI USA MIN VOL 46429B697 5,123 72,964 SH   SOLE NONE 0 0 72,964
J P MORGAN EXCHANGE TRADED F US MOMENTUM 46641Q779 6,496 178,807 SH   SOLE NONE 0 0 178,807
J P MORGAN EXCHANGE TRADED F ULTRA SHT MUNCPL 46641Q654 632 12,477 SH   SOLE NONE 0 0 12,477
JOHNSON & JOHNSON COM 478160104 454 2,560 SH   SOLE NONE 0 0 2,560
NEW MTN FIN CORP COM 647551100 261 21,895 SH   SOLE NONE 0 0 21,895
PACER FDS TR US CASH COWS 100 69374H881 315 7,318 SH   SOLE NONE 0 0 7,318
PACER FDS TR PACER US SMALL 69374H857 312 9,271 SH   SOLE NONE 0 0 9,271
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 526 5,303 SH   SOLE NONE 0 0 5,303
PROCTER AND GAMBLE CO COM 742718109 323 2,245 SH   SOLE NONE 0 0 2,245
SCHWAB CHARLES FAMILY FD AMT TAX FREE MNY 808515530 2,600 2,600,000 SH   SOLE NONE 0 0 2,600,000
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763 5,923 130,889 SH   SOLE NONE 0 0 130,889
SCHWAB STRATEGIC TR SCHWB FDT INT SC 808524748 419 13,789 SH   SOLE NONE 0 0 13,789
SPDR SER TR PORTFOLI S&P1500 78464A805 248 5,330 SH   SOLE NONE 0 0 5,330
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 306 3,979 SH   SOLE NONE 0 0 3,979
VANGUARD INDEX FDS VALUE ETF 922908744 13,081 99,189 SH   SOLE NONE 0 0 99,189
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 269 6,460 SH   SOLE NONE 0 0 6,460
VANGUARD TAX-MANAGED INTL FD VAN FTSE DEV MKT 921943858 392 9,598 SH   SOLE NONE 0 0 9,598
VANGUARD WHITEHALL FDS EM MK GOV BD ETF 921946885 5,466 89,161 SH   SOLE NONE 0 0 89,161
VERISK ANALYTICS INC COM 92345Y106 250 1,445 SH   SOLE NONE 0 0 1,445
VERIZON COMMUNICATIONS INC COM 92343V104 355 6,992 SH   SOLE NONE 0 0 6,992
WISDOMTREE TR EMG MKTS SMCAP 97717W281 4,153 93,043 SH   SOLE NONE 0 0 93,043
WISDOMTREE TR US SMALLCAP FUND 97717W562 9,449 229,801 SH   SOLE NONE 0 0 229,801