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 5,901 33,447 SH   SOLE   33,447 0 0
ABBOTT LABS COM 002824100 5,540 63,782 SH   SOLE   63,782 0 0
ABBVIE INC COM 00287Y109 6,262 70,721 SH   SOLE   70,721 0 0
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 3,708 17,607 SH   SOLE   17,607 0 0
AGNC INVT CORP COM 00123Q104 1,294 73,179 SH   SOLE   73,179 0 0
ALIBABA GROUP HLDG LTD SPONSORED ADS 01609w102 2,832 13,353 SH   SOLE   13,353 0 0
ALPHABET INC CAP STK CL C 02079k107 1,976 1,478 SH   SOLE   1,478 0 0
ALPHABET INC CAP STK CL A 02079k305 6,615 4,939 SH   SOLE   4,939 0 0
ALTRIA GROUP INC COM 02209S103 436 8,739 SH   SOLE   8,739 0 0
AMAZON COM INC COM 023135106 4,403 2,383 SH   SOLE   2,383 0 0
AMERICAN EXPRESS CO COM 025816109 242 1,940 SH   SOLE   1,940 0 0
AMERICAN TOWER CORP NEW COM 03027x100 3,263 14,199 SH   SOLE   14,199 0 0
ANNALY CAP MGMT INC COM 035710409 1,252 132,907 SH   SOLE   132,907 0 0
APPLE INC COM 037833100 14,998 51,073 SH   SOLE   51,073 0 0
ASHLAND GLOBAL HLDGS INC COM 044186104 2,077 27,143 SH   SOLE   27,143 0 0
AT&T INC COM 00206R102 769 19,672 SH   SOLE   19,672 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103 1,087 6,376 SH   SOLE   6,376 0 0
AVERY DENNISON CORP COM 053611109 2,632 20,117 SH   SOLE   20,117 0 0
BECTON DICKINSON & CO COM 075887109 1,041 3,829 SH   SOLE   3,829 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 2,576 11,372 SH   SOLE   11,372 0 0
BOEING CO COM 097023105 2,311 7,094 SH   SOLE   7,094 0 0
BOOKING HLDGS INC COM 09857L108 1,976 962 SH   SOLE   962 0 0
BRISTOL MYERS SQUIBB CO COM 110122108 2,475 38,564 SH   SOLE   38,564 0 0
BRISTOL MYERS SQUIBB CO RIGHT 99/99/9999 110122157 33 10,954 SH   SOLE   10,954 0 0
CDK GLOBAL INC COM 12508e101 240 4,398 SH   SOLE   4,398 0 0
CHECK POINT SOFTWARE TECH LT ORD m22465104 2,989 26,942 SH   SOLE   26,942 0 0
CHEVRON CORP NEW COM 166764100 1,580 13,108 SH   SOLE   13,108 0 0
CITIGROUP INC COM NEW 172967424 2,603 32,586 SH   SOLE   32,586 0 0
CITY HLDG CO COM 177835105 656 8,000 SH   SOLE   8,000 0 0
COCA COLA CO COM 191216100 4,579 82,737 SH   SOLE   82,737 0 0
CONSTELLATION BRANDS INC CL A 21036p108 1,239 6,530 SH   SOLE   6,530 0 0
COSTCO WHSL CORP NEW COM 22160k105 1,326 4,512 SH   SOLE   4,512 0 0
DANAHER CORPORATION COM 235851102 2,700 17,589 SH   SOLE   17,589 0 0
DISCOVER FINL SVCS COM 254709108 1,966 23,184 SH   SOLE   23,184 0 0
DISNEY WALT CO COM DISNEY 254687106 3,230 22,333 SH   SOLE   22,333 0 0
DOLLAR GEN CORP NEW COM 256677105 2,272 14,569 SH   SOLE   14,569 0 0
EAST WEST BANCORP INC COM 27579r104 1,167 23,955 SH   SOLE   23,955 0 0
EMERSON ELEC CO COM 291011104 3,920 51,406 SH   SOLE   51,406 0 0
EXXON MOBIL CORP COM 30231g102 2,255 32,310 SH   SOLE   32,310 0 0
FACEBOOK INC CL A 30303m102 5,698 27,760 SH   SOLE   27,760 0 0
FEDEX CORP COM 31428x106 1,597 10,564 SH   SOLE   10,564 0 0
FIRST TR EXCHANGE TRADED FD FST LOW OPPT EFT 33739Q200 9,558 184,522 SH   SOLE   184,522 0 0
FIRST TR MID CAP CORE ALPHAD COM SHS 33735b108 9,418 129,918 SH   SOLE   129,918 0 0
FISERV INC COM 337738108 520 4,494 SH   SOLE   4,494 0 0
FORTIVE CORP COM 34959j108 1,372 17,961 SH   SOLE   17,961 0 0
GENERAL DYNAMICS CORP COM 369550108 1,032 5,852 SH   SOLE   5,852 0 0
GENERAL ELECTRIC CO COM 369604103 325 29,160 SH   SOLE   29,160 0 0
GLAXOSMITHKLINE PLC SPONSORED ADR 37733W105 919 19,565 SH   SOLE   19,565 0 0
GLOBAL PMTS INC COM 37940x102 3,235 17,719 SH   SOLE   17,719 0 0
GOLDMAN SACHS GROUP INC COM 38141g104 1,336 5,809 SH   SOLE   5,809 0 0
HCA HEALTHCARE INC COM 40412c101 2,495 16,879 SH   SOLE   16,879 0 0
HOME DEPOT INC COM 437076102 4,199 19,230 SH   SOLE   19,230 0 0
HONEYWELL INTL INC COM 438516106 1,774 10,024 SH   SOLE   10,024 0 0
INGERSOLL-RAND PLC SHS g47791101 2,100 15,798 SH   SOLE   15,798 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 328 2,448 SH   SOLE   2,448 0 0
INVESCO EXCHANGE TRADED FD T S&P MDCP400 VL 46137V191 3,456 50,121 SH   SOLE   50,121 0 0
INVESCO EXCHANGE TRADED FD T S&P500 PUR VAL 46137V258 28,900 417,215 SH   SOLE   417,215 0 0
INVESCO EXCHANGE TRADED FD T S&P500 PUR GWT 46137v266 13,409 105,767 SH   SOLE   105,767 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL TEC 46137V282 5,344 26,985 SH   SOLE   26,985 0 0
INVESCO EXCHANGE TRADED FD T DYNMC LRG VALU 46137V738 14,814 358,266 SH   SOLE   358,266 0 0
INVESCO EXCHNG TRADED FD TR FTSE RAFI SML 46138e735 3,198 100,062 SH   SOLE   100,062 0 0
INVESCO EXCHNG TRADED FD TR EMRNG MKT SVRG 46138e784 3,824 129,268 SH   SOLE   129,268 0 0
ISHARES INC CORE MSCI EMKT 46434g103 4,021 74,798 SH   SOLE   74,798 0 0
ISHARES TR CORE S&P500 ETF 464287200 4,660 14,418 SH   SOLE   14,418 0 0
ISHARES TR IBOXX INV CP ETF 464287242 4,918 38,433 SH   SOLE   38,433 0 0
ISHARES TR S&P 500 GRWT ETF 464287309 596 3,076 SH   SOLE   3,076 0 0
ISHARES TR S&P 500 VAL ETF 464287408 543 4,174 SH   SOLE   4,174 0 0
ISHARES TR CORE S&P MCP ETF 464287507 1,894 9,202 SH   SOLE   9,202 0 0
ISHARES TR RUS 1000 VAL ETF 464287598 324 2,375 SH   SOLE   2,375 0 0
ISHARES TR S&P MC 400GR ETF 464287606 258 1,082 SH   SOLE   1,082 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 230 1,308 SH   SOLE   1,308 0 0
ISHARES TR S&P MC 400VL ETF 464287705 252 1,475 SH   SOLE   1,475 0 0
ISHARES TR U.S. TECH ETF 464287721 2,403 10,333 SH   SOLE   10,333 0 0
ISHARES TR CORE S&P SCP ETF 464287804 7,230 86,226 SH   SOLE   86,226 0 0
ISHARES TR SHRT NAT MUN ETF 464288158 4,651 43,561 SH   SOLE   43,561 0 0
ISHARES TR NEW YORK MUN ETF 464288323 297 5,200 SH   SOLE   5,200 0 0
ISHARES TR NATIONAL MUN ETF 464288414 6,551 57,514 SH   SOLE   57,514 0 0
ISHARES TR IBOXX HI YD ETF 464288513 206 2,347 SH   SOLE   2,347 0 0
ISHARES TR US HLTHCR PR ETF 464288828 1,917 9,547 SH   SOLE   9,547 0 0
ISHARES TR US OIL EQ&SV ETF 464288844 668 32,835 SH   SOLE   32,835 0 0
ISHARES TR EAFE VALUE ETF 464288877 1,158 23,198 SH   SOLE   23,198 0 0
ISHARES TR CORE MSCI EAFE 46432f842 7,393 113,313 SH   SOLE   113,313 0 0
ISHARES TR CUR HD EURZN ETF 46434v639 381 12,003 SH   SOLE   12,003 0 0
ISHARES TR HDG MSCI EAFE 46434v803 890 29,152 SH   SOLE   29,152 0 0
JAZZ PHARMACEUTICALS PLC SHS USD g50871105 1,580 10,583 SH   SOLE   10,583 0 0
JOHNSON & JOHNSON COM 478160104 16,412 112,512 SH   SOLE   112,512 0 0
JPMORGAN CHASE & CO COM 46625h100 2,085 14,954 SH   SOLE   14,954 0 0
L3HARRIS TECHNOLOGIES INC COM 502431109 1,207 6,101 SH   SOLE   6,101 0 0
LABORATORY CORP AMER HLDGS COM NEW 50540r409 1,767 10,446 SH   SOLE   10,446 0 0
LINCOLN ELEC HLDGS INC COM 533900106 1,497 15,480 SH   SOLE   15,480 0 0
LITTELFUSE INC COM 537008104 675 3,531 SH   SOLE   3,531 0 0
LOWES COS INC COM 548661107 4,208 35,137 SH   SOLE   35,137 0 0
MANNKIND CORP COM NEW 56400p706 17 13,560 SH   SOLE   13,560 0 0
MARATHON PETE CORP COM 56585a102 1,513 25,114 SH   SOLE   25,114 0 0
MASTERCARD INC CL A 57636q104 4,944 16,559 SH   SOLE   16,559 0 0
MCDONALDS CORP COM 580135101 265 1,342 SH   SOLE   1,342 0 0
MEDTRONIC PLC SHS g5960l103 2,027 17,865 SH   SOLE   17,865 0 0
MELINTA THERAPEUTICS INC COM NEW 58549G209 23 43,000 SH   SOLE   43,000 0 0
MERCK & CO INC COM 58933y105 423 4,645 SH   SOLE   4,645 0 0
MICROSOFT CORP COM 594918104 7,854 49,802 SH   SOLE   49,802 0 0
MYOS RENS TECHNOLOGY INC COM 62857P108 32 26,744 SH   SOLE   26,744 0 0
NIKE INC CL B 654106103 2,344 23,140 SH   SOLE   23,140 0 0
NORDSON CORP COM 655663102 1,158 7,111 SH   SOLE   7,111 0 0
NORFOLK SOUTHERN CORP COM 655844108 1,407 7,247 SH   SOLE   7,247 0 0
NORWEGIAN CRUISE LINE HLDG L SHS G66721104 936 16,018 SH   SOLE   16,018 0 0
ORACLE CORP COM 68389x105 253 4,776 SH   SOLE   4,776 0 0
PAYPAL HLDGS INC COM 70450y103 4,569 42,242 SH   SOLE   42,242 0 0
PFIZER INC COM 717081103 3,641 92,935 SH   SOLE   92,935 0 0
PHILIP MORRIS INTL INC COM 718172109 1,566 18,407 SH   SOLE   18,407 0 0
PIMCO ETF TR 0-5 HIGH YIELD 72201r783 9,257 92,817 SH   SOLE   92,817 0 0
PNC FINL SVCS GROUP INC COM 693475105 219 1,372 SH   SOLE   1,372 0 0
PROCTER & GAMBLE CO COM 742718109 10,625 85,071 SH   SOLE   85,071 0 0
ROYAL CARIBBEAN CRUISES LTD COM V7780T103 1,526 11,430 SH   SOLE   11,430 0 0
SCHLUMBERGER LTD COM 806857108 1,744 43,389 SH   SOLE   43,389 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 5,870 76,416 SH   SOLE   76,416 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 4,730 50,905 SH   SOLE   50,905 0 0
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 4,386 72,948 SH   SOLE   72,948 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 2,769 46,036 SH   SOLE   46,036 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 1,501 19,839 SH   SOLE   19,839 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 223 8,156 SH   SOLE   8,156 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 6,439 191,452 SH   SOLE   191,452 0 0
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 205 5,918 SH   SOLE   5,918 0 0
SCOTTS MIRACLE GRO CO CL A 810186106 2,249 21,181 SH   SOLE   21,181 0 0
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369y209 1,032 10,136 SH   SOLE   10,136 0 0
SELECT SECTOR SPDR TR SBI CONS STPLS 81369y308 260 4,131 SH   SOLE   4,131 0 0
SELECT SECTOR SPDR TR SBI INT-FINL 81369y605 953 30,950 SH   SOLE   30,950 0 0
SELECT SECTOR SPDR TR SBI INT-INDS 81369y704 543 6,659 SH   SOLE   6,659 0 0
SHERWIN WILLIAMS CO COM 824348106 1,794 3,075 SH   SOLE   3,075 0 0
SNAP ON INC COM 833034101 1,544 9,112 SH   SOLE   9,112 0 0
SPDR GOLD TRUST GOLD SHS 78463v107 267 1,866 SH   SOLE   1,866 0 0
SPDR INDEX SHS FDS S&P INTL SMLCP 78463x871 1,569 49,262 SH   SOLE   49,262 0 0
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463x889 474 15,119 SH   SOLE   15,119 0 0
SPDR S&P 500 ETF TR TR UNIT 78462f103 26,918 83,634 SH   SOLE   83,634 0 0
SPDR SERIES TRUST PRTFLO S&P500 GW 78464a409 1,679 40,051 SH   SOLE   40,051 0 0
SPDR SERIES TRUST PORTFOLIO SHORT 78464A474 286 9,273 SH   SOLE   9,273 0 0
SPDR SERIES TRUST PRTFLO S&P500 VL 78464a508 1,479 42,380 SH   SOLE   42,380 0 0
SPDR SERIES TRUST S&P 400 MDCP GRW 78464a821 1,997 34,978 SH   SOLE   34,978 0 0
SPDR SERIES TRUST S&P 400 MDCP VAL 78464a839 1,771 32,338 SH   SOLE   32,338 0 0
SPDR SERIES TRUST PORTFOLIO MD ETF 78464a847 735 20,281 SH   SOLE   20,281 0 0
SPDR SERIES TRUST PORTFOLIO LR ETF 78464a854 2,355 62,272 SH   SOLE   62,272 0 0
SPDR SERIES TRUST S&P BIOTECH 78464a870 3,305 34,754 SH   SOLE   34,754 0 0
SPDR SERIES TRUST NUVEEN BLMBRG SR 78468r739 6,901 140,528 SH   SOLE   140,528 0 0
TESLA INC COM 88160R101 505 1,207 SH   SOLE   1,207 0 0
THE CHARLES SCHWAB CORPORATI COM 808513105 2,129 44,766 SH   SOLE   44,766 0 0
TJX COS INC NEW COM 872540109 1,110 18,176 SH   SOLE   18,176 0 0
TOLL BROTHERS INC COM 889478103 2,121 53,680 SH   SOLE   53,680 0 0
TORONTO DOMINION BK ONT COM NEW 891160509 342 6,100 SH   SOLE   6,100 0 0
UNION PACIFIC CORP COM 907818108 2,638 14,589 SH   SOLE   14,589 0 0
UNITEDHEALTH GROUP INC COM 91324P102 2,030 6,904 SH   SOLE   6,904 0 0
VALLEY NATL BANCORP COM 919794107 341 29,821 SH   SOLE   29,821 0 0
VANECK VECTORS ETF TR AMT FREE INT ETF 92189H201 6,425 127,915 SH   SOLE   127,915 0 0
VANECK VECTORS ETF TRUST AMT FREE SHORT M 92189f528 4,601 258,545 SH   SOLE   258,545 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 27,454 92,814 SH   SOLE   92,814 0 0
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 26,052 218,576 SH   SOLE   218,576 0 0
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 14,806 93,249 SH   SOLE   93,249 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611 1,595 11,635 SH   SOLE   11,635 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 273 1,530 SH   SOLE   1,530 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 23,977 131,616 SH   SOLE   131,616 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 20,070 167,456 SH   SOLE   167,456 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 9,575 57,805 SH   SOLE   57,805 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 319 1,948 SH   SOLE   1,948 0 0
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 1,746 15,715 SH   SOLE   15,715 0 0
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 552 6,810 SH   SOLE   6,810 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 305 5,676 SH   SOLE   5,676 0 0
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206c102 730 12,000 SH   SOLE   12,000 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206c409 20,508 253,096 SH   SOLE   253,096 0 0
VANGUARD SCOTTSDALE FDS VNG RUS1000VAL 92206c714 25,141 209,773 SH   SOLE   209,773 0 0
VANGUARD WHITEHALL FDS INC HIGH DIV YLD 921946406 526 5,613 SH   SOLE   5,613 0 0
VANGUARD WORLD FDS CONSUM DIS ETF 92204a108 783 4,132 SH   SOLE   4,132 0 0
VANGUARD WORLD FDS CONSUM STP ETF 92204a207 3,269 20,277 SH   SOLE   20,277 0 0
VANGUARD WORLD FDS FINANCIALS ETF 92204A405 1,111 14,559 SH   SOLE   14,559 0 0
VANGUARD WORLD FDS INF TECH ETF 92204a702 938 3,830 SH   SOLE   3,830 0 0
VANGUARD WORLD FDS MATERIALS ETF 92204A801 1,302 9,710 SH   SOLE   9,710 0 0
VERIZON COMMUNICATIONS INC COM 92343v104 387 6,298 SH   SOLE   6,298 0 0
VISA INC COM CL A 92826c839 4,837 25,741 SH   SOLE   25,741 0 0
WALGREENS BOOTS ALLIANCE INC COM 931427108 5,083 86,204 SH   SOLE   86,204 0 0
WHIRLPOOL CORP COM 963320106 403 2,732 SH   SOLE   2,732 0 0
WISDOMTREE TR INTL SMCAP DIV 97717w760 783 11,015 SH   SOLE   11,015 0 0
WISDOMTREE TR INTL MIDCAP DV 97717w778 792 12,052 SH   SOLE   12,052 0 0
WISDOMTREE TR JAPN HEDGE EQT 97717w851 3,724 69,248 SH   SOLE   69,248 0 0
WISDOMTREE TR ITL HDG QTLY DIV 97717x594 775 21,327 SH   SOLE   21,327 0 0
WISDOMTREE TR EUROPE HEDGED EQ 97717x701 10,750 152,292 SH   SOLE   152,292 0 0
WYNDHAM HOTELS & RESORTS INC COM 98311A105 1,417 22,562 SH   SOLE   22,562 0 0
ZEBRA TECHNOLOGIES CORP CL A 989207105 1,799 7,042 SH   SOLE   7,042 0 0