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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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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
AMAZON COM INC COM 023135106   387,210 4,610 SH   SOLE   0 0 4,610
APPLE INC COM 037833100   2,141,506 16,482 SH   SOLE   0 0 16,482
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   997,141 3,228 SH   SOLE   0 0 3,228
BERKSHIRE HILLS BANCORP INC COM 084680107   543,522 18,178 SH   SOLE   0 0 18,178
BOEING CO COM 097023105   216,968 1,139 SH   SOLE   0 0 1,139
BRISTOL-MYERS SQUIBB CO COM 110122108   206,665 2,872 SH   SOLE   0 0 2,872
CHEVRON CORP NEW COM 166764100   361,493 2,014 SH   SOLE   0 0 2,014
FIRST TR EXCHANGE TRADED FD MATERIALS ALPH 33734X168   2,815,899 46,475 SH   SOLE   0 0 46,475
FIRST TR EXCHANGE-TRADED FD DJ INTERNT IDX 33733E302   1,281,868 10,409 SH   SOLE   0 0 10,409
FIRST TR LRG CP VL ALPHADEX COM SHS 33735J101   827,298 12,571 SH   SOLE   0 0 12,571
FIRST TR MULTI CP VAL ALPHA SHS ISSUED FRST 33733C108   303,840 4,415 SH   SOLE   0 0 4,415
FIRST TRUST LRGCP GWT ALPHAD COM SHS 33735K108   1,402,748 15,344 SH   SOLE   0 0 15,344
FS KKR CAP CORP COM 302635206   293,388 16,765 SH   SOLE   0 0 16,765
GENERAL MLS INC COM 370334104   583,442 6,958 SH   SOLE   0 0 6,958
HERSHEY CO COM 427866108   221,149 955 SH   SOLE   0 0 955
HONEYWELL INTL INC COM 438516106   506,391 2,363 SH   SOLE   0 0 2,363
INTERNATIONAL BUSINESS MACHS COM 459200101   305,731 2,170 SH   SOLE   0 0 2,170
INVESCO EXCH TRADED FD TR II S&P SMLCP LOW 46138G102   704,764 15,782 SH   SOLE   0 0 15,782
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   324,593 2,298 SH   SOLE   0 0 2,298
INVESCO QQQ TR UNIT SER 1 46090E103   3,222,521 12,102 SH   SOLE   0 0 12,102
INVESTMENT MANAGERS SER TR I AXS CHANGE FINAN 46144X107   242,388 8,938 SH   SOLE   0 0 8,938
ISHARES INC MSCI PAC JP ETF 464286665   336,503 7,864 SH   SOLE   0 0 7,864
ISHARES INC MSCI GERMANY ETF 464286806   239,337 9,678 SH   SOLE   0 0 9,678
ISHARES S&P GSCI COMMODITY- UNIT BEN INT 46428R107   717,935 33,817 SH   SOLE   0 0 33,817
ISHARES TR NEW YORK MUN ETF 464288323   1,904,268 36,341 SH   SOLE   0 0 36,341
ISHARES TR 0-5 YR TIPS ETF 46429B747   240,655 2,482 SH   SOLE   0 0 2,482
ISHARES TR MSCI USA MIN VOL 46429B697   219,905 3,050 SH   SOLE   0 0 3,050
ISHARES TR MSCI EAFE MIN VL 46429B689   291,537 4,585 SH   SOLE   0 0 4,585
ISHARES TR CORE MSCI EAFE 46432F842   721,928 11,712 SH   SOLE   0 0 11,712
ISHARES TR HDG MSCI EAFE 46434V803   435,942 16,146 SH   SOLE   0 0 16,146
ISHARES TR CORE DIV GRWTH 46434V621   27,160,430 543,209 SH   SOLE   0 0 543,209
ISHARES TR IBONDS DEC23 ETF 46434VAX8   505,656 20,202 SH   SOLE   0 0 20,202
ISHARES TR RUS MD CP GR ETF 464287481   912,332 10,913 SH   SOLE   0 0 10,913
ISHARES TR RUS MDCP VAL ETF 464287473   8,605,599 81,694 SH   SOLE   0 0 81,694
ISHARES TR U.S. FINLS ETF 464287788   6,183,050 81,927 SH   SOLE   0 0 81,927
ISHARES TR US HLTHCARE ETF 464287762   5,637,966 19,872 SH   SOLE   0 0 19,872
ISHARES TR U.S. TECH ETF 464287721   618,775 8,307 SH   SOLE   0 0 8,307
ISHARES TR RUS 2000 GRW ETF 464287648   435,905 2,032 SH   SOLE   0 0 2,032
ISHARES TR CORE S&P MCP ETF 464287507   2,210,177 9,137 SH   SOLE   0 0 9,137
ISHARES TR S&P MC 400VL ETF 464287705   4,635,994 45,992 SH   SOLE   0 0 45,992
ISHARES TR S&P MC 400GR ETF 464287606   7,514,377 110,020 SH   SOLE   0 0 110,020
ISHARES TR CORE S&P SCP ETF 464287804   1,484,171 15,682 SH   SOLE   0 0 15,682
ISHARES TR SP SMCP600VL ETF 464287879   11,628,248 127,349 SH   SOLE   0 0 127,349
ISHARES TR S&P SML 600 GWT 464287887   6,253,903 57,869 SH   SOLE   0 0 57,869
ISHARES TR S&P 500 VAL ETF 464287408   357,017 2,461 SH   SOLE   0 0 2,461
ISHARES TR CORE S&P500 ETF 464287200   514,457 1,339 SH   SOLE   0 0 1,339
ISHARES TR S&P 500 GRWT ETF 464287309   1,240,668 21,208 SH   SOLE   0 0 21,208
ISHARES TR RUS 1000 VAL ETF 464287598   930,373 6,135 SH   SOLE   0 0 6,135
ISHARES TR RUS 1000 GRW ETF 464287614   8,783,626 40,999 SH   SOLE   0 0 40,999
ISHARES TR RUS 2000 VAL ETF 464287630   274,012 1,976 SH   SOLE   0 0 1,976
ISHARES TR U.S. REAL ES ETF 464287739   373,130 4,432 SH   SOLE   0 0 4,432
ISHARES TR ISHARES BIOTECH 464287556   3,286,451 25,032 SH   SOLE   0 0 25,032
ISHARES TR MSCI EMG MKT ETF 464287234   450,733 11,893 SH   SOLE   0 0 11,893
ISHARES TR SELECT DIVID ETF 464287168   1,114,415 9,241 SH   SOLE   0 0 9,241
ISHARES TR MRGSTR MD CP GRW 464288307   6,783,384 125,898 SH   SOLE   0 0 125,898
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   2,010,142 40,099 SH   SOLE   0 0 40,099
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332   1,577,667 28,953 SH   SOLE   0 0 28,953
JPMORGAN CHASE & CO COM 46625H100   227,031 1,693 SH   SOLE   0 0 1,693
LEGG MASON ETF INVT FRANKLIN INTL LW 52468L505   911,420 35,672 SH   SOLE   0 0 35,672
LOCKHEED MARTIN CORP COM 539830109   388,568 799 SH   SOLE   0 0 799
LOWES COS INC COM 548661107   942,630 4,731 SH   SOLE   0 0 4,731
MICROSOFT CORP COM 594918104   489,233 2,040 SH   SOLE   0 0 2,040
PFIZER INC COM 717081103   256,251 5,001 SH   SOLE   0 0 5,001
PIMCO ETF TR ACTIVE BD ETF 72201R775   210,456 2,326 SH   SOLE   0 0 2,326
PROCTER AND GAMBLE CO COM 742718109   1,011,377 6,673 SH   SOLE   0 0 6,673
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   203,731 2,697 SH   SOLE   0 0 2,697
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   729,349 21,326 SH   SOLE   0 0 21,326
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   4,459,681 35,838 SH   SOLE   0 0 35,838
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308   331,748 4,450 SH   SOLE   0 0 4,450
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109   622,238 1,878 SH   SOLE   0 0 1,878
SPDR S&P 500 ETF TR TR UNIT 78462F103   837,522 2,190 SH   SOLE   0 0 2,190
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   279,400 631 SH   SOLE   0 0 631
SPDR SER TR DJ REIT ETF 78464A607   748,835 8,592 SH   SOLE   0 0 8,592
SPDR SER TR S&P 600 SMCP VAL 78464A300   457,121 6,159 SH   SOLE   0 0 6,159
SPDR SER TR S&P DIVID ETF 78464A763   4,498,205 35,954 SH   SOLE   0 0 35,954
SPDR SER TR S&P 400 MDCP GRW 78464A821   8,005,522 122,521 SH   SOLE   0 0 122,521
SPDR SER TR S&P REGL BKG 78464A698   291,527 4,963 SH   SOLE   0 0 4,963
SYSCO CORP COM 871829107   563,532 7,371 SH   SOLE   0 0 7,371
UNITED PARCEL SERVICE INC CL B 911312106   397,051 2,284 SH   SOLE   0 0 2,284
VANECK ETF TRUST MRNGSTR WDE MOAT 92189F643   472,804 7,284 SH   SOLE   0 0 7,284
VANGUARD ADMIRAL FDS INC MIDCP 400 GRTH 921932869   673,552 3,978 SH   SOLE   0 0 3,978
VANGUARD ADMIRAL FDS INC SMLCP 600 GRTH 921932794   210,621 1,130 SH   SOLE   0 0 1,130
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   1,613,886 11,933 SH   SOLE   0 0 11,933
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538   1,189,112 6,615 SH   SOLE   0 0 6,615
VANGUARD INDEX FDS LARGE CAP ETF 922908637   542,110 3,112 SH   SOLE   0 0 3,112
VANGUARD INDEX FDS VALUE ETF 922908744   4,856,758 34,600 SH   SOLE   0 0 34,600
VANGUARD INDEX FDS SM CP VAL ETF 922908611   6,548,467 41,237 SH   SOLE   0 0 41,237
VANGUARD INDEX FDS SMALL CP ETF 922908751   503,340 2,742 SH   SOLE   0 0 2,742
VANGUARD INDEX FDS GROWTH ETF 922908736   11,020,110 51,711 SH   SOLE   0 0 51,711
VANGUARD INDEX FDS SML CP GRW ETF 922908595   9,762,806 48,683 SH   SOLE   0 0 48,683
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   270,081 6,929 SH   SOLE   0 0 6,929
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874   433,304 7,816 SH   SOLE   0 0 7,816
VANGUARD INTL EQUITY INDEX F FTSE PACIFIC ETF 922042866   1,084,169 16,848 SH   SOLE   0 0 16,848
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   440,491 8,785 SH   SOLE   0 0 8,785
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   934,200 20,000 SH   SOLE   0 0 20,000
VANGUARD SCOTTSDALE FDS VNG RUS1000GRW 92206C680   2,860,287 51,892 SH   SOLE   0 0 51,892
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   340,600 2,243 SH   SOLE   0 0 2,243
VANGUARD WELLINGTON FD US VALUE FACTR 921935805   1,047,571 10,617 SH   SOLE   0 0 10,617
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   5,929,475 54,796 SH   SOLE   0 0 54,796
VANGUARD WORLD FD MEGA GRWTH IND 921910816   778,445 4,524 SH   SOLE   0 0 4,524
VANGUARD WORLD FDS INF TECH ETF 92204A702   1,212,800 3,797 SH   SOLE   0 0 3,797
VANGUARD WORLD FDS FINANCIALS ETF 92204A405   495,139 5,985 SH   SOLE   0 0 5,985
VERIZON COMMUNICATIONS INC COM 92343V104   206,563 5,243 SH   SOLE   0 0 5,243
WALMART INC COM 931142103   793,882 5,599 SH   SOLE   0 0 5,599
WISDOMTREE TR US LARGECAP DIVD 97717W307   219,923 3,550 SH   SOLE   0 0 3,550
WISDOMTREE TR US MIDCAP DIVID 97717W505   534,107 12,983 SH   SOLE   0 0 12,983