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
ISHARES TR CORE S&P MCP ETF 464287507 13,598 67,249 SH   SOLE 0 0 0 67,249
ISHARES TR S&P MC 400VL ETF 464287705 9,079 123,798 SH   SOLE 0 0 0 123,798
ISHARES TR S&P MC 400GR ETF 464287606 16,089 246,203 SH   SOLE 0 0 0 246,203
ISHARES TR CORE S&P SCP ETF 464287804 5,573 73,221 SH   SOLE 0 0 0 73,221
ISHARES TR SP SMCP600VL ETF 464287879 822 12,413 SH   SOLE 0 0 0 12,413
ISHARES TR S&P SML 600 GWT 464287887 1,129 11,808 SH   SOLE 0 0 0 11,808
ISHARES TR S&P 500 VAL ETF 464287408 37,544 323,235 SH   SOLE 0 0 0 323,235
ISHARES TR CORE S&P500 ETF 464287200 48,628 138,368 SH   SOLE 0 0 0 138,368
ISHARES TR S&P 500 GRWT ETF 464287309 83,498 1,370,167 SH   SOLE 0 0 0 1,370,167
ISHARES TR RUS 1000 ETF 464287622 484 2,465 SH   SOLE 0 0 0 2,465
ISHARES TR RUS 1000 VAL ETF 464287598 644 5,234 SH   SOLE 0 0 0 5,234
ISHARES TR RUS 1000 GRW ETF 464287614 1,100 4,798 SH   SOLE 0 0 0 4,798
ISHARES TR RUSSELL 2000 ETF 464287655 10,201 62,348 SH   SOLE 0 0 0 62,348
ISHARES TR RUS 2000 VAL ETF 464287630 16,400 151,865 SH   SOLE 0 0 0 151,865
ISHARES TR U.S. REAL ES ETF 464287739 3,596 44,420 SH   SOLE 0 0 0 44,420
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 2,332 6,309 SH   SOLE 0 0 0 6,309
SPDR S&P 500 ETF TR TR UNIT 78462F103 8,971 25,619 SH   SOLE 0 0 0 25,619
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886 427 6,660 SH   SOLE 0 0 0 6,660
AGILENT TECHNOLOGIES INC COM 00846U101 208 1,852 SH   SOLE 0 0 0 1,852
ADOBE SYSTEMS INCORPORATED COM 00724F101 642 1,298 SH   SOLE 0 0 0 1,298
AMERICAN INTL GROUP INC COM NEW 026874784 280 8,435 SH   SOLE 0 0 0 8,435
AMAZON COM INC COM 023135106 10,490 3,168 SH   SOLE 0 0 0 3,168
BRISTOL-MYERS SQUIBB CO COM 110122108 2,527 39,609 SH   SOLE 0 0 0 39,609
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,319 6,314 SH   SOLE 0 0 0 6,314
EMERSON ELEC CO COM 291011104 1,394 19,885 SH   SOLE 0 0 0 19,885
BOEING CO COM 097023105 1,243 7,879 SH   SOLE 0 0 0 7,879
HERSHEY CO COM 427866108 448 3,001 SH   SOLE 0 0 0 3,001
EVERSOURCE ENERGY COM 30040W108 222 2,398 SH   SOLE 0 0 0 2,398
LIFE STORAGE INC COM 53223X107 5,807 50,788 SH   SOLE 0 0 0 50,788
INVESCO QQQ TR UNIT SER 1 46090E103 4,146 14,074 SH   SOLE 0 0 0 14,074
AMGEN INC COM 031162100 9,440 40,750 SH   SOLE 0 0 0 40,750
ABBOTT LABS COM 002824100 3,373 29,482 SH   SOLE 0 0 0 29,482
BEST BUY INC COM 086516101 305 2,477 SH   SOLE 0 0 0 2,477
BP PLC SPONSORED ADR 055622104 442 28,284 SH   SOLE 0 0 0 28,284
CONAGRA BRANDS INC COM 205887102 278 7,700 SH   SOLE 0 0 0 7,700
FEDEX CORP COM 31428X106 1,104 3,946 SH   SOLE 0 0 0 3,946
GLAXOSMITHKLINE PLC SPONSORED ADR 37733W105 293 7,957 SH   SOLE 0 0 0 7,957
INTEL CORP COM 458140100 9,814 216,210 SH   SOLE 0 0 0 216,210
ILLINOIS TOOL WKS INC COM 452308109 244 1,164 SH   SOLE 0 0 0 1,164
ISHARES TR RUS 2000 GRW ETF 464287648 11,124 45,850 SH   SOLE 0 0 0 45,850
KEYCORP COM 493267108 133 10,338 SH   SOLE 0 0 0 10,338
ORACLE CORP COM 68389X105 3,288 57,888 SH   SOLE 0 0 0 57,888
QUALCOMM INC COM 747525103 506 3,491 SH   SOLE 0 0 0 3,491
DISNEY WALT CO COM DISNEY 254687106 7,794 61,146 SH   SOLE 0 0 0 61,146
HONEYWELL INTL INC COM 438516106 3,940 21,380 SH   SOLE 0 0 0 21,380
US BANCORP DEL COM NEW 902973304 470 12,003 SH   SOLE 0 0 0 12,003
JOHNSON & JOHNSON COM 478160104 12,165 85,515 SH   SOLE 0 0 0 85,515
MEDTRONIC PLC SHS G5960L103 3,586 34,624 SH   SOLE 0 0 0 34,624
PFIZER INC COM 717081103 4,554 125,101 SH   SOLE 0 0 0 125,101
LOWES COS INC COM 548661107 4,152 24,639 SH   SOLE 0 0 0 24,639
ISHARES TR MSCI EAFE ETF 464287465 16,355 247,018 SH   SOLE 0 0 0 247,018
CHEVRON CORP NEW COM 166764100 4,398 61,817 SH   SOLE 0 0 0 61,817
MICROSOFT CORP COM 594918104 19,025 85,039 SH   SOLE 0 0 0 85,039
UNITED PARCEL SERVICE INC CL B 911312106 3,801 22,671 SH   SOLE 0 0 0 22,671
AT&T INC COM 00206R102 2,467 89,910 SH   SOLE 0 0 0 89,910
PRUDENTIAL FINL INC COM 744320102 2,307 36,309 SH   SOLE 0 0 0 36,309
CITIGROUP INC COM NEW 172967424 1,736 40,640 SH   SOLE 0 0 0 40,640
CISCO SYS INC COM 17275R102 5,870 156,409 SH   SOLE 0 0 0 156,409
INTERNATIONAL BUSINESS MACHS COM 459200101 2,971 26,050 SH   SOLE 0 0 0 26,050
COCA COLA CO COM 191216100 1,430 28,910 SH   SOLE 0 0 0 28,910
LOCKHEED MARTIN CORP COM 539830109 2,640 7,308 SH   SOLE 0 0 0 7,308
PEPSICO INC COM 713448108 8,648 62,498 SH   SOLE 0 0 0 62,498
STRYKER CORPORATION COM 863667101 373 1,748 SH   SOLE 0 0 0 1,748
VERIZON COMMUNICATIONS INC COM 92343V104 2,910 49,725 SH   SOLE 0 0 0 49,725
SPDR SER TR PRTFLO S&P500 GW 78464A409 10,991 208,275 SH   SOLE 0 0 0 208,275
ISHARES TR RUS MID CAP ETF 464287499 2,006 32,459 SH   SOLE 0 0 0 32,459
ISHARES TR RUS MD CP GR ETF 464287481 3,887 20,471 SH   SOLE 0 0 0 20,471
ISHARES TR RUS MDCP VAL ETF 464287473 799 9,287 SH   SOLE 0 0 0 9,287
ISHARES TR GLOBAL TECH ETF 464287291 3,113 11,340 SH   SOLE 0 0 0 11,340
ISHARES TR U.S. TECH ETF 464287721 355 1,100 SH   SOLE 0 0 0 1,100
SELECT SECTOR SPDR TR SBI INT-FINL 81369Y605 234 9,361 SH   SOLE 0 0 0 9,361
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 827 6,800 SH   SOLE 0 0 0 6,800
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 793 7,211 SH   SOLE 0 0 0 7,211
ISHARES TR NASDAQ BIOTECH 464287556 1,241 9,009 SH   SOLE 0 0 0 9,009
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 215 1,605 SH   SOLE 0 0 0 1,605
SCHWAB CHARLES CORP COM 808513105 1,345 32,694 SH   SOLE 0 0 0 32,694
BK OF AMERICA CORP COM 060505104 3,688 151,720 SH   SOLE 0 0 0 151,720
AUTOMATIC DATA PROCESSING IN COM 053015103 1,507 9,068 SH   SOLE 0 0 0 9,068
EXXON MOBIL CORP COM 30231G102 2,605 79,478 SH   SOLE 0 0 0 79,478
WALMART INC COM 931142103 1,071 7,348 SH   SOLE 0 0 0 7,348
APPLIED MATLS INC COM 038222105 344 4,872 SH   SOLE 0 0 0 4,872
UNION PAC CORP COM 907818108 746 3,926 SH   SOLE 0 0 0 3,926
UNILEVER PLC SPON ADR NEW 904767704 4,489 73,068 SH   SOLE 0 0 0 73,068
ASTRAZENECA PLC SPONSORED ADR 046353108 602 10,837 SH   SOLE 0 0 0 10,837
TEXAS INSTRS INC COM 882508104 2,052 13,010 SH   SOLE 0 0 0 13,010
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100 234 2,558 SH   SOLE 0 0 0 2,558
TOTAL SE SPONSORED ADS 89151E109 328 10,102 SH   SOLE 0 0 0 10,102
TARGET CORP COM 87612E106 747 4,623 SH   SOLE 0 0 0 4,623
COLGATE PALMOLIVE CO COM 194162103 1,187 14,300 SH   SOLE 0 0 0 14,300
COSTCO WHSL CORP NEW COM 22160K105 3,931 10,192 SH   SOLE 0 0 0 10,192
CVS HEALTH CORP COM 126650100 4,062 62,537 SH   SOLE 0 0 0 62,537
DOMINION ENERGY INC COM 25746U109 275 3,286 SH   SOLE 0 0 0 3,286
DIAGEO PLC SPON ADR NEW 25243Q205 2,531 18,282 SH   SOLE 0 0 0 18,282
QUEST DIAGNOSTICS INC COM 74834L100 503 3,962 SH   SOLE 0 0 0 3,962
SCHLUMBERGER LTD COM 806857108 266 17,492 SH   SOLE 0 0 0 17,492
DANAHER CORPORATION COM 235851102 514 2,093 SH   SOLE 0 0 0 2,093
MERCK & CO. INC COM 58933Y105 5,640 70,187 SH   SOLE 0 0 0 70,187
MICRON TECHNOLOGY INC COM 595112103 426 7,720 SH   SOLE 0 0 0 7,720
MORGAN STANLEY COM NEW 617446448 1,267 24,516 SH   SOLE 0 0 0 24,516
NOVARTIS AG SPONSORED ADR 66987V109 278 3,286 SH   SOLE 0 0 0 3,286
PROCTER AND GAMBLE CO COM 742718109 6,779 47,331 SH   SOLE 0 0 0 47,331
GENERAL ELECTRIC CO COM 369604103 825 101,963 SH   SOLE 0 0 0 101,963
KIMBERLY CLARK CORP COM 494368103 2,440 17,914 SH   SOLE 0 0 0 17,914
GOLDMAN SACHS GROUP INC COM 38141G104 708 3,516 SH   SOLE 0 0 0 3,516
HSBC HLDGS PLC SPON ADR NEW 404280406 266 11,921 SH   SOLE 0 0 0 11,921
HOME DEPOT INC COM 437076102 2,357 8,294 SH   SOLE 0 0 0 8,294
TRANE TECHNOLOGIES PLC SHS G8994E103 362 2,510 SH   SOLE 0 0 0 2,510
MCDONALDS CORP COM 580135101 2,124 9,808 SH   SOLE 0 0 0 9,808
JPMORGAN CHASE & CO COM 46625H100 9,092 88,309 SH   SOLE 0 0 0 88,309
MONDELEZ INTL INC CL A 609207105 3,093 55,389 SH   SOLE 0 0 0 55,389
WELLS FARGO CO NEW COM 949746101 425 19,400 SH   SOLE 0 0 0 19,400
CORNING INC COM 219350105 719 20,716 SH   SOLE 0 0 0 20,716
FORD MTR CO DEL COM 345370860 209 26,861 SH   SOLE 0 0 0 26,861
UNITEDHEALTH GROUP INC COM 91324P102 504 1,450 SH   SOLE 0 0 0 1,450
AMERICAN TOWER CORP NEW COM 03027X100 504 2,081 SH   SOLE 0 0 0 2,081
ZIMMER BIOMET HOLDINGS INC COM 98956P102 705 5,091 SH   SOLE 0 0 0 5,091
RAYTHEON TECHNOLOGIES CORP COM 75513E101 1,813 30,964 SH   SOLE 0 0 0 30,964
3M CO COM 88579Y101 3,728 22,871 SH   SOLE 0 0 0 22,871
COMCAST CORP NEW CL A 20030N101 3,703 83,159 SH   SOLE 0 0 0 83,159
XILINX INC COM 983919101 785 5,850 SH   SOLE 0 0 0 5,850
VANGUARD INDEX FDS TOTAL STK MKT 922908769 1,634 9,113 SH   SOLE 0 0 0 9,113
WASTE MGMT INC DEL COM 94106L109 216 1,808 SH   SOLE 0 0 0 1,808
UNILEVER N V N Y SHS NEW 904784709 337 5,513 SH   SOLE 0 0 0 5,513
SMUCKER J M CO COM NEW 832696405 220 1,885 SH   SOLE 0 0 0 1,885
NORFOLK SOUTHN CORP COM 655844108 747 3,349 SH   SOLE 0 0 0 3,349
NEXTERA ENERGY INC COM 65339F101 680 8,983 SH   SOLE 0 0 0 8,983
CONOCOPHILLIPS COM 20825C104 393 13,454 SH   SOLE 0 0 0 13,454
CSX CORP COM 126408103 617 7,158 SH   SOLE 0 0 0 7,158
APPLE INC COM 037833100 47,774 402,514 SH   SOLE 0 0 0 402,514
ALLSTATE CORP COM 020002101 672 7,367 SH   SOLE 0 0 0 7,367
LAM RESEARCH CORP COM 512807108 292 712 SH   SOLE 0 0 0 712
SPDR SER TR PRTFLO S&P500 VL 78464A508 2,533 81,233 SH   SOLE 0 0 0 81,233
CATERPILLAR INC DEL COM 149123101 633 3,926 SH   SOLE 0 0 0 3,926
SUNCOR ENERGY INC NEW COM 867224107 271 23,103 SH   SOLE 0 0 0 23,103
ISHARES TR MSCI EMG MKT ETF 464287234 815 16,999 SH   SOLE 0 0 0 16,999
CHUBB LIMITED COM H1467J104 242 1,758 SH   SOLE 0 0 0 1,758
ECOLAB INC COM 278865100 538 2,696 SH   SOLE 0 0 0 2,696
AON PLC SHS CL A G0403H108 285 1,497 SH   SOLE 0 0 0 1,497
AMERICAN EXPRESS CO COM 025816109 1,746 18,053 SH   SOLE 0 0 0 18,053
GENERAL MLS INC COM 370334104 382 6,254 SH   SOLE 0 0 0 6,254
PUBLIC SVC ENTERPRISE GRP IN COM 744573106 304 5,198 SH   SOLE 0 0 0 5,198
AKAMAI TECHNOLOGIES INC COM 00971T101 254 2,497 SH   SOLE 0 0 0 2,497
SOUTHERN CO COM 842587107 226 3,764 SH   SOLE 0 0 0 3,764
AVERY DENNISON CORP COM 053611109 632 4,265 SH   SOLE 0 0 0 4,265
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 8,122 173,291 SH   SOLE 0 0 0 173,291
PAYCHEX INC COM 704326107 2,507 28,485 SH   SOLE 0 0 0 28,485
NORTHROP GRUMMAN CORP COM 666807102 2,025 6,720 SH   SOLE 0 0 0 6,720
BERKSHIRE HATHAWAY INC DEL CL A 084670108 314 1 SH   SOLE 0 0 0 1
STERIS PLC SHS USD G8473T100 447 2,462 SH   SOLE 0 0 0 2,462
CIGNA CORP NEW COM 125523100 231 1,147 SH   SOLE 0 0 0 1,147
VALERO ENERGY CORP COM 91913Y100 902 23,643 SH   SOLE 0 0 0 23,643
D R HORTON INC COM 23331A109 281 3,975 SH   SOLE 0 0 0 3,975
ISHARES TR CORE US AGGBD ET 464287226 444 3,770 SH   SOLE 0 0 0 3,770
CADENCE DESIGN SYSTEM INC COM 127387108 264 2,101 SH   SOLE 0 0 0 2,101
PROLOGIS INC. COM 74340W103 262 2,502 SH   SOLE 0 0 0 2,502
BIOGEN INC COM 09062X103 366 1,126 SH   SOLE 0 0 0 1,126
ISHARES TR TIPS BD ETF 464287176 1,526 12,205 SH   SOLE 0 0 0 12,205
CLOROX CO DEL COM 189054109 958 4,395 SH   SOLE 0 0 0 4,395
AIR PRODS & CHEMS INC COM 009158106 612 1,995 SH   SOLE 0 0 0 1,995
CONSOLIDATED EDISON INC COM 209115104 418 5,377 SH   SOLE 0 0 0 5,377
NVIDIA CORPORATION COM 67066G104 351 603 SH   SOLE 0 0 0 603
V F CORP COM 918204108 776 11,078 SH   SOLE 0 0 0 11,078
TRAVELERS COMPANIES INC COM 89417E109 337 2,651 SH   SOLE 0 0 0 2,651
WEYERHAEUSER CO MTN BE COM NEW 962166104 628 22,218 SH   SOLE 0 0 0 22,218
EATON CORP PLC SHS G29183103 292 2,653 SH   SOLE 0 0 0 2,653
SOUTHWESTERN ENERGY CO COM 845467109 35 14,160 SH   SOLE 0 0 0 14,160
STANLEY BLACK & DECKER INC COM 854502101 239 1,334 SH   SOLE 0 0 0 1,334
CHURCH & DWIGHT INC COM 171340102 314 3,466 SH   SOLE 0 0 0 3,466
DOVER CORP COM 260003108 289 2,480 SH   SOLE 0 0 0 2,480
SANOFI SPONSORED ADR 80105N105 1,189 24,134 SH   SOLE 0 0 0 24,134
WHIRLPOOL CORP COM 963320106 2,125 10,536 SH   SOLE 0 0 0 10,536
BECTON DICKINSON & CO COM 075887109 1,858 7,852 SH   SOLE 0 0 0 7,852
YUM BRANDS INC COM 988498101 334 3,362 SH   SOLE 0 0 0 3,362
MICROCHIP TECHNOLOGY INC. COM 595017104 269 2,149 SH   SOLE 0 0 0 2,149
ALPHABET INC CAP STK CL A 02079K305 1,410 801 SH   SOLE 0 0 0 801
WEC ENERGY GROUP INC COM 92939U106 626 6,120 SH   SOLE 0 0 0 6,120
RIO TINTO PLC SPONSORED ADR 767204100 373 6,128 SH   SOLE 0 0 0 6,128
VANGUARD INDEX FDS VALUE ETF 922908744 20,014 185,232 SH   SOLE 0 0 0 185,232
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504 293 1,373 SH   SOLE 0 0 0 1,373
VANGUARD INDEX FDS MID CAP ETF 922908629 418 2,209 SH   SOLE 0 0 0 2,209
VANGUARD INDEX FDS SM CP VAL ETF 922908611 5,073 42,305 SH   SOLE 0 0 0 42,305
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 202 2,531 SH   SOLE 0 0 0 2,531
NATIONAL FUEL GAS CO N J COM 636180101 582 15,243 SH   SOLE 0 0 0 15,243
CAMECO CORP COM 13321L108 120 12,890 SH   SOLE 0 0 0 12,890
VANGUARD INDEX FDS SMALL CP ETF 922908751 2,386 14,238 SH   SOLE 0 0 0 14,238
VANGUARD INDEX FDS GROWTH ETF 922908736 423 1,756 SH   SOLE 0 0 0 1,756
AMERIPRISE FINL INC COM 03076C106 219 1,291 SH   SOLE 0 0 0 1,291
VANGUARD WORLD FDS FINANCIALS ETF 92204A405 289 4,690 SH   SOLE 0 0 0 4,690
PARKER-HANNIFIN CORP COM 701094104 347 1,462 SH   SOLE 0 0 0 1,462
ROYAL DUTCH SHELL PLC SPON ADR B 780259107 215 8,479 SH   SOLE 0 0 0 8,479
THERMO FISHER SCIENTIFIC INC COM 883556102 925 1,752 SH   SOLE 0 0 0 1,752
SALESFORCE COM INC COM 79466L302 3,366 12,937 SH   SOLE 0 0 0 12,937
M & T BK CORP COM 55261F104 3,286 33,176 SH   SOLE 0 0 0 33,176
MOOG INC CL A 615394202 209 3,197 SH   SOLE 0 0 0 3,197
ZEBRA TECHNOLOGIES CORPORATI CL A 989207105 331 955 SH   SOLE 0 0 0 955
VANGUARD WORLD FDS INF TECH ETF 92204A702 459 1,400 SH   SOLE 0 0 0 1,400
SPDR SER TR S&P BIOTECH 78464A870 3,808 31,765 SH   SOLE 0 0 0 31,765
MASTERCARD INCORPORATED CL A 57636Q104 377 1,201 SH   SOLE 0 0 0 1,201
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 2,588 47,945 SH   SOLE 0 0 0 47,945
EQUINIX INC COM 29444U700 224 282 SH   SOLE 0 0 0 282
WISDOMTREE TR EUROPE SMCP DV 97717W869 11,754 215,585 SH   SOLE 0 0 0 215,585
SPDR INDEX SHS FDS EURO STOXX 50 78463X202 16,224 439,093 SH   SOLE 0 0 0 439,093
WISDOMTREE TR INTL EQUITY FD 97717W703 1,358 29,121 SH   SOLE 0 0 0 29,121
WISDOMTREE TR US LARGECAP DIVD 97717W307 263 2,656 SH   SOLE 0 0 0 2,656
PRUDENTIAL PLC ADR 74435K204 294 10,616 SH   SOLE 0 0 0 10,616
AMPIO PHARMACEUTICALS INC COM 03209T109 337 396,356 SH   SOLE 0 0 0 396,356
ALPHATEC HLDGS INC COM NEW 02081G201 193 19,000 SH   SOLE 0 0 0 19,000
LEIDOS HOLDINGS INC COM 525327102 235 2,595 SH   SOLE 0 0 0 2,595
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 672 12,650 SH   SOLE 0 0 0 12,650
ISHARES TR ISHS 1-5YR INVS 464288646 3,354 61,064 SH   SOLE 0 0 0 61,064
VANGUARD BD INDEX FDS INTERMED TERM 921937819 335 3,595 SH   SOLE 0 0 0 3,595
ERIE INDTY CO CL A 29530P102 709 3,000 SH   SOLE 0 0 0 3,000
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 571 6,488 SH   SOLE 0 0 0 6,488
BLACKSTONE GROUP INC COM CL A 09260D107 206 3,705 SH   SOLE 0 0 0 3,705
TE CONNECTIVITY LTD REG SHS H84989104 215 2,044 SH   SOLE 0 0 0 2,044
BANK NEW YORK MELLON CORP COM 064058100 565 16,098 SH   SOLE 0 0 0 16,098
WISDOMTREE TR EMER MKT HIGH FD 97717W315 486 13,101 SH   SOLE 0 0 0 13,101
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 797 9,566 SH   SOLE 0 0 0 9,566
ISHARES TR INTL DEV RE ETF 464288489 2,441 99,220 SH   SOLE 0 0 0 99,220
ISHARES TR ISHS 5-10YR INVT 464288638 722 11,824 SH   SOLE 0 0 0 11,824
ISHARES TR INTRM GOV CR ETF 464288612 359 3,059 SH   SOLE 0 0 0 3,059
VISA INC COM CL A 92826C839 9,958 50,173 SH   SOLE 0 0 0 50,173
PHILIP MORRIS INTL INC COM 718172109 309 4,382 SH   SOLE 0 0 0 4,382
ISHARES TR DEVSMCP EXNA ETF 464288497 5,956 112,143 SH   SOLE 0 0 0 112,143
WISDOMTREE TR US ESG FUND 97717W596 212 5,531 SH   SOLE 0 0 0 5,531
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 496 16,300 SH   SOLE 0 0 0 16,300
TAYLOR DEVICES INC COM 877163105 185 20,000 SH   SOLE 0 0 0 20,000
PLUMAS BANCORP COM 729273102 203 10,000 SH   SOLE 0 0 0 10,000
MACKINAC FINL CORP COM 554571109 201 18,263 SH   SOLE 0 0 0 18,263
FINANCIAL INSTNS INC COM 317585404 318 18,163 SH   SOLE 0 0 0 18,163
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 232 2,272 SH   SOLE 0 0 0 2,272
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 6,761 81,614 SH   SOLE 0 0 0 81,614
NORTHWEST BANCSHARES INC MD COM 667340103 134 13,079 SH   SOLE 0 0 0 13,079
SPDR SER TR PORTFOLIO SHORT 78464A474 447 14,256 SH   SOLE 0 0 0 14,256
XPRESSPA GROUP INC COM 98420U703 30 16,000 SH   SOLE 0 0 0 16,000
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 506 1,574 SH   SOLE 0 0 0 1,574
ISHARES TR 0-5 YR TIPS ETF 46429B747 9,270 89,944 SH   SOLE 0 0 0 89,944
22ND CENTY GROUP INC COM 90137F103 121 144,489 SH   SOLE 0 0 0 144,489
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354 271 4,937 SH   SOLE 0 0 0 4,937
ISHARES TR FLTG RATE NT ETF 46429B655 3,370 66,504 SH   SOLE 0 0 0 66,504
FLEXSHARES TR IBOXX 3R TARGT 33939L506 316 12,322 SH   SOLE 0 0 0 12,322
FORTUNE BRANDS HOME & SEC IN COM 34964C106 482 5,463 SH   SOLE 0 0 0 5,463
ISHARES TR MSCI USA MIN VOL 46429B697 1,914 29,416 SH   SOLE 0 0 0 29,416
ISHARES TR MSCI EAFE MIN VL 46429B689 2,546 36,558 SH   SOLE 0 0 0 36,558
ISHARES INC MSCI EMERG MRKT 464286533 1,049 18,102 SH   SOLE 0 0 0 18,102
SPDR SER TR BLOMBERG BRC INV 78468R200 315 10,287 SH   SOLE 0 0 0 10,287
SPDR SER TR BLOOMBERG SRT TR 78468R408 1,184 45,166 SH   SOLE 0 0 0 45,166
INVESCO EXCH TRD SLF IDX FD BULSHS 2020 CB 46138J502 2,743 129,343 SH   SOLE 0 0 0 129,343
FACEBOOK INC CL A 30303M102 606 2,065 SH   SOLE 0 0 0 2,065
ISHARES INC CORE MSCI EMKT 46434G103 303 5,278 SH   SOLE 0 0 0 5,278
ISHARES TR CORE MSCI EAFE 46432F842 280 4,474 SH   SOLE 0 0 0 4,474
ABBVIE INC COM 00287Y109 1,980 21,322 SH   SOLE 0 0 0 21,322
ZOETIS INC CL A 98978V103 246 1,455 SH   SOLE 0 0 0 1,455
FLEXSHARES TR QLT DIV DEF IDX 33939L845 976 21,680 SH   SOLE 0 0 0 21,680
INVESCO EXCH TRADED FD TR II S&P MIDCP LOW 46138E198 287 6,562 SH   SOLE 0 0 0 6,562
INVESCO EXCH TRADED FD TR II S&P SMLCP LOW 46138G102 295 8,376 SH   SOLE 0 0 0 8,376
SSGA ACTIVE ETF TR BLKSTN GSOSRLN 78467V608 483 10,825 SH   SOLE 0 0 0 10,825
T-MOBILE US INC COM 872590104 286 2,315 SH   SOLE 0 0 0 2,315
CDW CORP COM 12514G108 287 2,080 SH   SOLE 0 0 0 2,080
ISHARES TR MSCI USA SZE FT 46432F370 319 3,195 SH   SOLE 0 0 0 3,195
INVESCO EXCH TRD SLF IDX FD BULSHS 2021 CB 46138J700 3,968 186,281 SH   SOLE 0 0 0 186,281
INVESCO EXCH TRD SLF IDX FD BULSHS 2022 CB 46138J882 3,788 173,385 SH   SOLE 0 0 0 173,385
INVESCO EXCH TRD SLF IDX FD BULSHS 2020 HY 46138J601 3,334 142,711 SH   SOLE 0 0 0 142,711
ISHARES U S ETF TR SHT MAT BD ETF 46431W507 268 5,354 SH   SOLE 0 0 0 5,354
FLEXSHARES TR GLB QLT R/E IDX 33939L787 309 5,751 SH   SOLE 0 0 0 5,751
ALPHABET INC CAP STK CL C 02079K107 10,014 5,684 SH   SOLE 0 0 0 5,684
SPDR INDEX SHS FDS EUR STOXX SMCP 78463X392 204 3,335 SH   SOLE 0 0 0 3,335
INVESCO EXCH TRD SLF IDX FD BULSHS 2023 CB 46138J866 2,893 132,382 SH   SOLE 0 0 0 132,382
INVESCO EXCH TRD SLF IDX FD BULSHS 2022 HY 46138J874 232 10,000 SH   SOLE 0 0 0 10,000
INVESCO EXCH TRD SLF IDX FD BULSHS 2021 HY 46138J809 1,297 56,228 SH   SOLE 0 0 0 56,228
INVESCO EXCH TRD SLF IDX FD BULSHS 2024 CB 46138J841 308 13,836 SH   SOLE 0 0 0 13,836
ISHARES TR IBONDS DEC20 ETF 46434VAQ3 355 14,080 SH   SOLE 0 0 0 14,080
QORVO INC COM 74736K101 201 1,366 SH   SOLE 0 0 0 1,366
ISHARES TR EXPONENTIAL TECH 46434V381 237 4,560 SH   SOLE 0 0 0 4,560
ISHARES TR IBONDS DEC21 ETF 46434VBK5 225 8,990 SH   SOLE 0 0 0 8,990
KRAFT HEINZ CO COM 500754106 386 12,254 SH   SOLE 0 0 0 12,254
PAYPAL HLDGS INC COM 70450Y103 972 4,796 SH   SOLE 0 0 0 4,796
SPDR SER TR RUSSELL LOW VOL 78468R754 204 2,465 SH   SOLE 0 0 0 2,465
JANUS DETROIT STR TR HENDRSN SHRT ETF 47103U886 12,888 255,467 SH   SOLE 0 0 0 255,467
DUPONT DE NEMOURS INC COM 26614N102 577 9,676 SH   SOLE 0 0 0 9,676
LINDE PLC SHS G5494J103 4,891 19,538 SH   SOLE 0 0 0 19,538
DOW INC COM 260557103 484 10,032 SH   SOLE 0 0 0 10,032
CORTEVA INC COM 22052L104 251 7,457 SH   SOLE 0 0 0 7,457
CARRIER GLOBAL CORPORATION COM 14448C104 1,061 27,247 SH   SOLE 0 0 0 27,247
OTIS WORLDWIDE CORP COM 68902V107 876 13,774 SH   SOLE 0 0 0 13,774
VISA INC COM CL A 92826C839 0 200 SH Put SOLE 0 0 0 200
VISA INC COM CL A 92826C839 1 300 SH Put SOLE 0 0 0 300