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 1,710 10,676 SH   SOLE   10,676 0 0
ABB LTD SPONSORED ADR 000375204 575 22,589 SH   SOLE   22,589 0 0
ABBOTT LABS COM 002824100 2,424 22,275 SH   SOLE   22,275 0 0
ABBVIE INC COM 00287Y109 1,369 15,634 SH   SOLE   15,634 0 0
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 2,139 9,465 SH   SOLE   9,464 0 1
ADOBE SYSTEMS INCORPORATED COM 00724F101 3,907 7,967 SH   SOLE   7,966 0 1
ADVANCED MICRO DEVICES INC COM 007903107 353 4,309 SH   SOLE   4,309 0 0
AEGON N V NY REGISTRY SHS 007924103 389 152,128 SH   SOLE   152,128 0 0
AIR PRODS & CHEMS INC COM 009158106 487 1,636 SH   SOLE   1,636 0 0
ALLEGION PLC ORD SHS G0176J109 427 4,320 SH   SOLE   4,320 0 0
ALPHABET INC CAP STK CL A 02079K305 3,781 2,580 SH   SOLE   2,580 0 0
ALPHABET INC CAP STK CL C 02079K107 3,590 2,443 SH   SOLE   2,443 0 0
ALTRIA GROUP INC COM 02209S103 530 13,705 SH   SOLE   13,704 0 1
AMARIN CORP PLC SPONS ADR NEW 023111206 57 13,442 SH   SOLE   13,442 0 0
AMAZON COM INC COM 023135106 11,844 3,762 SH   SOLE   3,761 0 1
AMERICAN ELEC PWR CO INC COM 025537101 481 5,891 SH   SOLE   5,891 0 0
AMERICAN EXPRESS CO COM 025816109 1,546 15,420 SH   SOLE   15,420 0 0
AMERICAN RLTY CAP PPTYS INC NOTE 3.750%12/1 02917TAB0 60 60,000 SH   SOLE   60,000 0 0
AMERICAN TOWER CORP NEW COM 03027X100 1,723 7,129 SH   SOLE   7,129 0 0
AMERIPRISE FINL INC COM 03076C106 652 4,231 SH   SOLE   4,231 0 0
AMGEN INC COM 031162100 1,677 6,597 SH   SOLE   6,596 0 1
ANALOG DEVICES INC COM 032654105 360 3,084 SH   SOLE   3,084 0 0
ANHEUSER BUSCH INBEV SA/NV SPONSORED ADR 03524A108 443 8,213 SH   SOLE   8,213 0 0
ANTHEM INC COM 036752103 246 915 SH   SOLE   915 0 0
AON PLC SHS CL A G0403H108 520 2,523 SH   SOLE   2,523 0 0
APOLLO COML REAL EST FIN INC NOTE 4.750% 8/2 03762UAB1 17 18,000 SH   SOLE   18,000 0 0
APOLLO COML REAL EST FIN INC NOTE 5.375%10/1 03762UAC9 107 118,000 SH   SOLE   118,000 0 0
APPLE INC COM 037833100 31,205 269,449 SH   SOLE   269,448 0 1
APPLIED MATLS INC COM 038222105 453 7,627 SH   SOLE   7,627 0 0
ARES CAPITAL CORP NOTE 3.750% 2/0 04010LAT0 147 145,000 SH   SOLE   145,000 0 0
ARES CAPITAL CORP NOTE 4.625% 3/0 04010LAW3 207 200,000 SH   SOLE   200,000 0 0
ARGENX SE SPONSORED ADR 04016X101 688 2,621 SH   SOLE   2,621 0 0
ASML HOLDING N V N Y REGISTRY SHS N07059210 362 979 SH   SOLE   979 0 0
ASTRAZENECA PLC SPONSORED ADR 046353108 578 10,553 SH   SOLE   10,553 0 0
AT&T INC COM 00206R102 1,809 63,450 SH   SOLE   63,450 0 0
ATLAS AIR WORLDWIDE HLDGS IN NOTE 2.250% 6/0 049164BH8 507 465,000 SH   SOLE   465,000 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103 1,965 14,087 SH   SOLE   14,087 0 0
BANCO BILBAO VIZCAYA ARGENTA SPONSORED ADR 05946K101 183 66,671 SH   SOLE   66,671 0 0
BANCO SANTANDER S.A. ADR 05964H105 331 179,007 SH   SOLE   179,007 0 0
BANK NEW YORK MELLON CORP COM 064058100 348 10,127 SH   SOLE   10,127 0 0
BARCLAYS PLC ADR 06738E204 506 100,947 SH   SOLE   100,947 0 0
BAXTER INTL INC COM 071813109 293 3,647 SH   SOLE   3,647 0 0
BECTON DICKINSON & CO COM 075887109 352 1,512 SH   SOLE   1,512 0 0
BERKSHIRE HATHAWAY INC DEL CL A 084670108 1,600 5 SH   SOLE   5 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 13,573 63,740 SH   SOLE   63,740 0 0
BEST BUY INC COM 086516101 234 2,105 SH   SOLE   2,105 0 0
BHP GROUP LTD SPONSORED ADS 088606108 549 10,614 SH   SOLE   10,614 0 0
BHP GROUP PLC SPONSORED ADR 05545E209 554 12,996 SH   SOLE   12,995 0 1
BIOCRYST PHARMACEUTICALS INC COM 09058V103 36 10,350 SH   SOLE   10,350 0 0
BIOGEN INC COM 09062X103 254 895 SH   SOLE   895 0 0
BK OF AMERICA CORP COM 060505104 1,928 80,038 SH   SOLE   80,038 0 0
BLACKROCK INC COM 09247X101 2,268 4,025 SH   SOLE   4,025 0 0
BLACKSTONE GROUP INC COM CL A 09260D107 265 5,075 SH   SOLE   5,075 0 0
BOEING CO COM 097023105 755 4,567 SH   SOLE   4,567 0 0
BOOKING HOLDINGS INC COM 09857L108 405 237 SH   SOLE   237 0 0
BOSTON SCIENTIFIC CORP COM 101137107 205 5,372 SH   SOLE   5,372 0 0
BP PLC SPONSORED ADR 055622104 650 37,210 SH   SOLE   37,210 0 0
BRF SA SPONSORED ADR 10552T107 148 45,005 SH   SOLE   45,005 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108 1,366 22,659 SH   SOLE   22,659 0 0
BRITISH AMERN TOB PLC SPONSORED ADR 110448107 461 12,745 SH   SOLE   12,745 0 0
BROADCOM INC COM 11135F101 1,063 2,919 SH   SOLE   2,919 0 0
BROADRIDGE FINL SOLUTIONS IN COM 11133T103 907 6,872 SH   SOLE   6,872 0 0
CADENCE DESIGN SYSTEM INC COM 127387108 313 2,940 SH   SOLE   2,940 0 0
CANON INC SPONSORED ADR 138006309 173 10,413 SH   SOLE   10,413 0 0
CAPITAL ONE FINL CORP COM 14040H105 312 4,339 SH   SOLE   4,338 0 1
CARDTRONICS INC NOTE 1.000%12/0 14161HAG3 31 31,000 SH   SOLE   31,000 0 0
CARNIVAL PLC ADR 14365C103 390 30,195 SH   SOLE   30,195 0 0
CARRIER GLOBAL CORPORATION COM 14448C104 213 6,989 SH   SOLE   6,989 0 0
CATERPILLAR INC DEL COM 149123101 787 5,274 SH   SOLE   5,274 0 0
CELANESE CORP DEL COM 150870103 386 3,593 SH   SOLE   3,593 0 0
CHARTER COMMUNICATIONS INC N CL A 16119P108 518 830 SH   SOLE   830 0 0
CHECK POINT SOFTWARE TECH LT ORD M22465104 250 2,075 SH   SOLE   2,075 0 0
CHEVRON CORP NEW COM 166764100 2,115 29,375 SH   SOLE   29,375 0 0
CHURCH & DWIGHT INC COM 171340102 946 10,091 SH   SOLE   10,091 0 0
CIA ENERGETICA DE MINAS GERA SP ADR N-V PFD 204409601 257 139,177 SH   SOLE   139,177 0 0
CIGNA CORP NEW COM 125523100 437 2,579 SH   SOLE   2,579 0 0
CISCO SYS INC COM 17275R102 1,905 48,359 SH   SOLE   48,358 0 1
CITIGROUP INC COM NEW 172967424 867 20,107 SH   SOLE   20,107 0 0
CLOROX CO DEL COM 189054109 575 2,735 SH   SOLE   2,735 0 0
CME GROUP INC COM 12572Q105 309 1,849 SH   SOLE   1,849 0 0
COCA COLA CO COM 191216100 2,220 44,959 SH   SOLE   44,958 0 1
COLGATE PALMOLIVE CO COM 194162103 395 5,125 SH   SOLE   5,125 0 0
COLUMBIA FINL INC COM 197641103 175 15,729 SH   SOLE   15,729 0 0
COMCAST CORP NEW CL A 20030N101 1,915 41,407 SH   SOLE   41,407 0 0
CONOCOPHILLIPS COM 20825C104 410 12,472 SH   SOLE   12,472 0 0
COSAN LTD SHS A G25343107 470 31,678 SH   SOLE   31,678 0 0
COSTCO WHSL CORP NEW COM 22160K105 2,940 8,282 SH   SOLE   8,282 0 0
CREDIT SUISSE GROUP SPONSORED ADR 225401108 312 31,291 SH   SOLE   31,291 0 0
CRH PLC ADR 12626K203 664 18,399 SH   SOLE   18,399 0 0
CRITEO S A SPONS ADS 226718104 385 31,547 SH   SOLE   31,547 0 0
CROWN CASTLE INTL CORP NEW COM 22822V101 362 2,175 SH   SOLE   2,175 0 0
CSG SYS INTL INC NOTE 4.250% 3/1 126349AF6 478 462,000 SH   SOLE   462,000 0 0
CSX CORP COM 126408103 559 7,200 SH   SOLE   7,200 0 0
CVS HEALTH CORP COM 126650100 461 7,902 SH   SOLE   7,902 0 0
DANAHER CORPORATION COM 235851102 1,146 5,323 SH   SOLE   5,323 0 0
DEERE & CO COM 244199105 407 1,835 SH   SOLE   1,834 0 1
DIREXION SHS ETF TR DLY S&P500 BR 3X 25460E885 92 16,050 SH   SOLE   16,050 0 0
DISNEY WALT CO COM DISNEY 254687106 2,620 21,116 SH   SOLE   21,115 0 1
DOLLAR GEN CORP NEW COM 256677105 300 1,430 SH   SOLE   1,429 0 1
DOMINION ENERGY INC COM 25746U109 267 3,379 SH   SOLE   3,379 0 0
DR REDDYS LABS LTD ADR 256135203 396 5,693 SH   SOLE   5,693 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204 609 6,872 SH   SOLE   6,872 0 0
EATON CORP PLC SHS G29183103 520 5,101 SH   SOLE   5,100 0 1
EATON VANCE SR INCOME TR SH BEN INT 27826S103 219 37,336 SH   SOLE   37,335 0 1
ECOLAB INC COM 278865100 493 2,466 SH   SOLE   2,466 0 0
EMCORE CORP COM NEW 290846203 72 22,020 SH   SOLE   22,020 0 0
EMERSON ELEC CO COM 291011104 998 15,227 SH   SOLE   15,227 0 0
ENI S P A SPONSORED ADR 26874R108 430 27,649 SH   SOLE   27,649 0 0
EQUINIX INC COM 29444U700 354 466 SH   SOLE   466 0 0
EQUINOR ASA SPONSORED ADR 29446M102 596 42,356 SH   SOLE   42,356 0 0
ERICSSON ADR B SEK 10 294821608 618 56,732 SH   SOLE   56,732 0 0
ERIE INDTY CO CL A 29530P102 250 1,189 SH   SOLE   1,189 0 0
EVOLENT HEALTH INC NOTE 2.000%12/0 30050BAB7 482 492,000 SH   SOLE   492,000 0 0
EXELON CORP COM 30161N101 276 7,721 SH   SOLE   7,720 0 1
EXXON MOBIL CORP COM 30231G102 1,981 57,705 SH   SOLE   57,705 0 0
FACEBOOK INC CL A 30303M102 4,776 18,236 SH   SOLE   18,236 0 0
FEDEX CORP COM 31428X106 315 1,252 SH   SOLE   1,252 0 0
FIDELITY NATL INFORMATION SV COM 31620M106 243 1,649 SH   SOLE   1,649 0 0
FIVE9 INC COM 338307101 232 1,790 SH   SOLE   1,790 0 0
FLY LEASING LTD SPONSORED ADR 34407D109 480 66,166 SH   SOLE   66,166 0 0
GAMCO GLOBAL GOLD NAT RES & COM SH BEN INT 36465A109 47 13,752 SH   SOLE   13,751 0 1
GENERAL DYNAMICS CORP COM 369550108 269 1,944 SH   SOLE   1,944 0 0
GENERAL ELECTRIC CO COM 369604103 381 61,205 SH   SOLE   61,204 0 1
GILEAD SCIENCES INC COM 375558103 634 10,031 SH   SOLE   10,031 0 0
GLAXOSMITHKLINE PLC SPONSORED ADR 37733W105 455 12,090 SH   SOLE   12,090 0 0
GOLDMAN SACHS GROUP INC COM 38141G104 1,123 5,588 SH   SOLE   5,588 0 0
GRIFOLS S A SP ADR REP B NVT 398438408 229 13,213 SH   SOLE   13,213 0 0
GUIDEWIRE SOFTWARE INC NOTE 1.250% 3/1 40171VAA8 99 86,000 SH   SOLE   86,000 0 0
HARMONY GOLD MINING CO LTD SPONSORED ADR 413216300 53 10,000 SH   SOLE   10,000 0 0
HOME DEPOT INC COM 437076102 4,842 17,436 SH   SOLE   17,436 0 0
HONDA MOTOR LTD AMERN SHS 438128308 424 17,888 SH   SOLE   17,888 0 0
HONEYWELL INTL INC COM 438516106 2,289 13,904 SH   SOLE   13,903 0 1
HSBC HLDGS PLC SPON ADR NEW 404280406 296 15,122 SH   SOLE   15,122 0 0
HUBBELL INC COM 443510607 2,360 17,244 SH   SOLE   17,244 0 0
HUTCHISON CHINA MEDITECH LTD SPONSORED ADR 44842L103 738 22,861 SH   SOLE   22,861 0 0
ICICI BANK LIMITED ADR 45104G104 276 28,069 SH   SOLE   28,069 0 0
ICON PLC SHS G4705A100 374 1,957 SH   SOLE   1,957 0 0
II-VI INC NOTE 0.250% 9/0 902104AB4 501 445,000 SH   SOLE   445,000 0 0
ILLINOIS TOOL WKS INC COM 452308109 918 4,751 SH   SOLE   4,751 0 0
INDEPENDENCE HLDG CO NEW COM NEW 453440307 272 7,205 SH   SOLE   7,205 0 0
INFOSYS LTD SPONSORED ADR 456788108 580 41,982 SH   SOLE   41,982 0 0
ING GROEP N.V. SPONSORED ADR 456837103 285 40,195 SH   SOLE   40,194 0 1
INTEL CORP COM 458140100 3,253 62,831 SH   SOLE   62,830 0 1
INTERCONTINENTAL EXCHANGE IN COM 45866F104 283 2,829 SH   SOLE   2,829 0 0
INTERCONTINENTAL HOTELS GROU SPONSORED ADS 45857P806 435 8,291 SH   SOLE   8,291 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 1,752 14,402 SH   SOLE   14,401 0 1
INTUIT COM 461202103 575 1,763 SH   SOLE   1,763 0 0
INTUITIVE SURGICAL INC COM NEW 46120E602 443 625 SH   SOLE   625 0 0
INVESCO EXCH TRADED FD TR II VAR RATE PFD 46138G870 361 14,680 SH   SOLE   14,680 0 0
INVESCO EXCHANGE TRADED FD T S&P500 QUALITY 46137V241 420 10,875 SH   SOLE   10,875 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 253 909 SH   SOLE   908 0 1
IRHYTHM TECHNOLOGIES INC COM 450056106 297 1,249 SH   SOLE   1,249 0 0
ISHARES GOLD TRUST ISHARES 464285105 604 33,578 SH   SOLE   33,578 0 0
ISHARES INC CORE MSCI EMKT 46434G103 28,808 545,597 SH   SOLE   545,597 0 0
ISHARES TR CORE S&P TTL STK 464287150 3,325 44,042 SH   SOLE   44,042 0 0
ISHARES TR SELECT DIVID ETF 464287168 412 5,048 SH   SOLE   5,048 0 0
ISHARES TR CORE MSCI EAFE 46432F842 109,413 1,815,077 SH   SOLE   1,815,076 0 1
ISHARES TR S&P 500 GRWT ETF 464287309 279 1,209 SH   SOLE   1,209 0 0
ISHARES TR CORE S&P MCP ETF 464287507 43,769 236,191 SH   SOLE   236,191 0 0
ISHARES TR MSCI EAFE ETF 464287465 338 5,303 SH   SOLE   5,303 0 0
ISHARES TR TIPS BD ETF 464287176 569 4,498 SH   SOLE   4,498 0 0
ISHARES TR IBONDS DEC2021 46435G789 996 38,441 SH   SOLE   38,441 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 408 2,724 SH   SOLE   2,724 0 0
ISHARES TR NATIONAL MUN ETF 464288414 1,052 9,076 SH   SOLE   9,076 0 0
ISHARES TR IBONDS DEC 46435U697 674 24,864 SH   SOLE   24,864 0 0
ISHARES TR RUS 1000 VAL ETF 464287598 500 4,236 SH   SOLE   4,236 0 0
ISHARES TR BARCLAYS 7 10 YR 464287440 467 3,832 SH   SOLE   3,832 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 1,039 4,789 SH   SOLE   4,789 0 0
ISHARES TR IBONDS DEC 26 46435U259 447 16,610 SH   SOLE   16,610 0 0
ISHARES TR IBONDS DEC2022 46435G755 1,013 38,236 SH   SOLE   38,236 0 0
ISHARES TR CORE HIGH DV ETF 46429B663 416 5,166 SH   SOLE   5,166 0 0
ISHARES TR CORE S&P500 ETF 464287200 970 2,886 SH   SOLE   2,886 0 0
ISHARES TR CORE S&P SCP ETF 464287804 16,594 236,281 SH   SOLE   236,281 0 0
ISHARES TR PFD AND INCM SEC 464288687 2,190 60,094 SH   SOLE   60,094 0 0
ISHARES TR MBS ETF 464288588 209 1,896 SH   SOLE   1,896 0 0
ISHARES TR CORE MSCI TOTAL 46432F834 1,499 25,687 SH   SOLE   25,687 0 0
ISHARES TR IBONDS DEC2023 46435G318 820 31,207 SH   SOLE   31,207 0 0
ISHARES TR IBONDS DEC 25 46435U432 800 28,461 SH   SOLE   28,461 0 0
JOHNSON & JOHNSON COM 478160104 5,347 35,912 SH   SOLE   35,912 0 0
JPMORGAN CHASE & CO COM 46625H100 5,057 52,534 SH   SOLE   52,534 0 0
KEYCORP COM 493267108 155 12,953 SH   SOLE   12,953 0 0
KIMBERLY CLARK CORP COM 494368103 330 2,237 SH   SOLE   2,237 0 0
KINDER MORGAN INC DEL COM 49456B101 273 22,121 SH   SOLE   22,120 0 1
KONINKLIJKE PHILIPS N V NY REG SH NEW 500472303 461 9,782 SH   SOLE   9,782 0 0
LAKELAND BANCORP INC COM 511637100 780 78,413 SH   SOLE   78,413 0 0
LILLY ELI & CO COM 532457108 523 3,535 SH   SOLE   3,535 0 0
LINDE PLC SHS G5494J103 788 3,309 SH   SOLE   3,309 0 0
LLOYDS BANKING GROUP PLC SPONSORED ADR 539439109 302 232,106 SH   SOLE   232,106 0 0
LOCKHEED MARTIN CORP COM 539830109 660 1,723 SH   SOLE   1,722 0 1
LOWES COS INC COM 548661107 1,780 10,731 SH   SOLE   10,731 0 0
MARRIOTT INTL INC NEW CL A 571903202 349 3,773 SH   SOLE   3,773 0 0
MARRIOTT VACTINS WORLDWID CO NOTE 1.500% 9/1 57164YAB3 20 20,000 SH   SOLE   20,000 0 0
MARSH & MCLENNAN COS INC COM 571748102 1,168 10,181 SH   SOLE   10,181 0 0
MASTERCARD INCORPORATED CL A 57636Q104 3,999 11,825 SH   SOLE   11,825 0 0
MCDONALDS CORP COM 580135101 2,097 9,556 SH   SOLE   9,556 0 0
MEDTRONIC PLC SHS G5960L103 1,206 11,608 SH   SOLE   11,607 0 1
MERCK & CO. INC COM 58933Y105 2,761 33,284 SH   SOLE   33,284 0 0
METLIFE INC COM 59156R108 359 9,656 SH   SOLE   9,656 0 0
MICROSOFT CORP COM 594918104 14,874 70,716 SH   SOLE   70,716 0 0
MITSUBISHI UFJ FINL GROUP IN SPONSORED ADS 606822104 605 150,796 SH   SOLE   150,796 0 0
MIZUHO FINANCIAL GROUP INC. SPONSORED ADR 60687Y109 508 199,122 SH   SOLE   199,122 0 0
MONDELEZ INTL INC CL A 609207105 1,822 31,721 SH   SOLE   31,720 0 1
MOODYS CORP COM 615369105 788 2,717 SH   SOLE   2,717 0 0
MORGAN STANLEY COM NEW 617446448 461 9,537 SH   SOLE   9,537 0 0
MORGAN STANLEY EMERGING MKTS COM 617477104 56 10,000 SH   SOLE   10,000 0 0
NATIONAL GRID PLC SPONSORED ADR NE 636274409 324 5,615 SH   SOLE   5,615 0 0
NATWEST GROUP PLC SPONS ADR 2 ORD 639057108 305 113,444 SH   SOLE   113,444 0 0
NETFLIX INC COM 64110L106 1,646 3,291 SH   SOLE   3,291 0 0
NEW MTN FIN CORP COM 647551100 1,242 129,915 SH   SOLE   129,915 0 0
NEW RELIC INC NOTE 0.500% 5/0 64829BAB6 511 535,000 SH   SOLE   535,000 0 0
NEW YORK CMNTY CAP TR V UNIT 11/01/2051 64944P307 406 9,176 SH   SOLE   9,176 0 0
NEXTERA ENERGY INC COM 65339F101 1,755 6,324 SH   SOLE   6,324 0 0
NICE LTD SPONSORED ADR 653656108 687 3,027 SH   SOLE   3,027 0 0
NIKE INC CL B 654106103 1,559 12,422 SH   SOLE   12,422 0 0
NOKIA CORP SPONSORED ADR 654902204 590 150,778 SH   SOLE   150,778 0 0
NOMURA HLDGS INC SPONSORED ADR 65535H208 520 113,636 SH   SOLE   113,636 0 0
NORDIC AMERICAN TANKERS LIMI COM G65773106 41 11,648 SH   SOLE   11,648 0 0
NORFOLK SOUTHN CORP COM 655844108 825 3,855 SH   SOLE   3,855 0 0
NORTHROP GRUMMAN CORP COM 666807102 210 666 SH   SOLE   665 0 1
NOVARTIS AG SPONSORED ADR 66987V109 925 10,635 SH   SOLE   10,635 0 0
NOVO-NORDISK A S ADR 670100205 553 7,967 SH   SOLE   7,967 0 0
NVIDIA CORPORATION COM 67066G104 2,168 4,006 SH   SOLE   4,006 0 0
NXP SEMICONDUCTORS N V COM N6596X109 245 1,961 SH   SOLE   1,961 0 0
OMNICOM GROUP INC COM 681919106 234 4,723 SH   SOLE   4,723 0 0
ORACLE CORP COM 68389X105 1,451 24,306 SH   SOLE   24,306 0 0
ORANGE SPONSORED ADR 684060106 133 12,842 SH   SOLE   12,842 0 0
OTIS WORLDWIDE CORP COM 68902V107 241 3,856 SH   SOLE   3,856 0 0
P T TELEKOMUNIKASI INDONESIA SPONSORED ADR 715684106 414 23,827 SH   SOLE   23,827 0 0
PARK NATL CORP COM 700658107 259 3,161 SH   SOLE   3,161 0 0
PAYPAL HLDGS INC COM 70450Y103 2,019 10,247 SH   SOLE   10,246 0 1
PEARSON PLC SPONSORED ADR 705015105 502 70,659 SH   SOLE   70,659 0 0
PEPSICO INC COM 713448108 3,422 24,692 SH   SOLE   24,692 0 0
PFIZER INC COM 717081103 2,684 73,130 SH   SOLE   73,129 0 1
PHILIP MORRIS INTL INC COM 718172109 1,485 19,800 SH   SOLE   19,800 0 0
PHILLIPS 66 COM 718546104 310 5,977 SH   SOLE   5,977 0 0
PNC FINL SVCS GROUP INC COM 693475105 543 4,941 SH   SOLE   4,941 0 0
PORTMAN RIDGE FIN CORP COM 73688F102 26 19,248 SH   SOLE   19,248 0 0
PROCTER AND GAMBLE CO COM 742718109 5,751 41,376 SH   SOLE   41,376 0 0
PROGRESSIVE CORP COM 743315103 272 2,877 SH   SOLE   2,877 0 0
PROLOGIS INC. COM 74340W103 726 7,213 SH   SOLE   7,213 0 0
PRUDENTIAL PLC ADR 74435K204 275 9,632 SH   SOLE   9,632 0 0
PURE STORAGE INC NOTE 0.125% 4/1 74624MAB8 397 410,000 SH   SOLE   410,000 0 0
QUALCOMM INC COM 747525103 977 8,302 SH   SOLE   8,302 0 0
RAMBUS INC DEL NOTE 1.375% 2/0 750917AG1 359 345,000 SH   SOLE   345,000 0 0
RAYTHEON TECHNOLOGIES CORP COM 75513E101 926 16,090 SH   SOLE   16,090 0 0
RELX PLC SPONSORED ADR 759530108 419 18,736 SH   SOLE   18,736 0 0
RIO TINTO PLC SPONSORED ADR 767204100 651 10,780 SH   SOLE   10,780 0 0
ROCKWELL AUTOMATION INC COM 773903109 309 1,400 SH   SOLE   1,400 0 0
ROYAL DUTCH SHELL PLC SPON ADR B 780259107 328 13,538 SH   SOLE   13,538 0 0
ROYAL DUTCH SHELL PLC SPONS ADR A 780259206 392 15,588 SH   SOLE   15,588 0 0
RPM INTL INC COM 749685103 433 5,232 SH   SOLE   5,232 0 0
RYANAIR HOLDINGS PLC SPONSORED ADS 783513203 608 7,441 SH   SOLE   7,441 0 0
S&P GLOBAL INC COM 78409V104 436 1,210 SH   SOLE   1,210 0 0
SALESFORCE COM INC COM 79466L302 2,198 8,747 SH   SOLE   8,747 0 0
SANOFI SPONSORED ADR 80105N105 488 9,717 SH   SOLE   9,717 0 0
SAP SE SPON ADR 803054204 711 4,561 SH   SOLE   4,561 0 0
SCHWAB CHARLES CORP COM 808513105 229 6,329 SH   SOLE   6,329 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 626 7,766 SH   SOLE   7,766 0 0
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771 442 11,410 SH   SOLE   11,409 0 1
SCHWAB STRATEGIC TR US TIPS ETF 808524870 5,052 81,972 SH   SOLE   81,972 0 0
SEA LTD SPONSORD ADS 81141R100 1,529 9,926 SH   SOLE   9,926 0 0
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 216 1,470 SH   SOLE   1,470 0 0
SELECT SECTOR SPDR TR SBI INT-FINL 81369Y605 327 13,596 SH   SOLE   13,596 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 420 3,596 SH   SOLE   3,596 0 0
SERVICENOW INC COM 81762P102 396 817 SH   SOLE   817 0 0
SHERWIN WILLIAMS CO COM 824348106 520 747 SH   SOLE   747 0 0
SHIP FINANCE INTERNATIONAL L NOTE 5.750%10/1 G81075AF3 396 405,000 SH   SOLE   405,000 0 0
SKYWORKS SOLUTIONS INC COM 83088M102 395 2,713 SH   SOLE   2,713 0 0
SONY CORP SPONSORED ADR 835699307 440 5,735 SH   SOLE   5,735 0 0
SOUTHERN CO COM 842587107 388 7,163 SH   SOLE   7,163 0 0
SPDR GOLD TR GOLD SHS 78463V107 366 2,064 SH   SOLE   2,064 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 5,317 15,876 SH   SOLE   15,876 0 0
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 405 1,196 SH   SOLE   1,196 0 0
SPDR SER TR PRTFLO S&P500 GW 78464A409 24,002 478,983 SH   SOLE   478,983 0 0
SPDR SER TR PRTFLO S&P500 VL 78464A508 17,059 564,858 SH   SOLE   564,858 0 0
STARBUCKS CORP COM 855244109 1,000 11,642 SH   SOLE   11,642 0 0
STRYKER CORPORATION COM 863667101 542 2,601 SH   SOLE   2,601 0 0
SUMITOMO MITSUI FINL GROUP I SPONSORED ADR 86562M209 528 94,475 SH   SOLE   94,474 0 1
SUPERNUS PHARMACEUTICALS INC NOTE 0.625% 4/0 868459AD0 461 501,000 SH   SOLE   501,000 0 0
SYNAPTICS INC NOTE 0.500% 6/1 87157DAD1 371 300,000 SH   SOLE   300,000 0 0
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100 292 3,602 SH   SOLE   3,602 0 0
TAKEDA PHARMACEUTICAL CO LTD SPONSORED ADS 874060205 438 24,578 SH   SOLE   24,577 0 1
TAL EDUCATION GROUP SPONSORED ADS 874080104 474 6,231 SH   SOLE   6,231 0 0
TALEND S A ADS 874224207 495 12,691 SH   SOLE   12,691 0 0
TARGET CORP COM 87612E106 1,189 7,553 SH   SOLE   7,553 0 0
TELEFONICA S A SPONSORED ADR 879382208 222 64,427 SH   SOLE   64,427 0 0
TENARIS S A SPONSORED ADS 88031M109 231 23,427 SH   SOLE   23,427 0 0
TESLA INC COM 88160R101 1,159 2,702 SH   SOLE   2,702 0 0
TEXAS INSTRS INC COM 882508104 1,796 12,576 SH   SOLE   12,576 0 0
THERAVANCE INC NOTE 2.125% 1/1 88338TAB0 81 85,000 SH   SOLE   85,000 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102 2,105 4,768 SH   SOLE   4,768 0 0
TJX COS INC NEW COM 872540109 468 8,405 SH   SOLE   8,405 0 0
T-MOBILE US INC COM 872590104 202 1,769 SH   SOLE   1,769 0 0
TORONTO DOMINION BK ONT COM NEW 891160509 255 5,516 SH   SOLE   5,516 0 0
TOTAL SE SPONSORED ADS 89151E109 577 16,828 SH   SOLE   16,828 0 0
TOYOTA MOTOR CORP SP ADR REP2COM 892331307 420 3,175 SH   SOLE   3,175 0 0
TRANE TECHNOLOGIES PLC SHS G8994E103 257 2,123 SH   SOLE   2,123 0 0
TRAVELERS COMPANIES INC COM 89417E109 481 4,447 SH   SOLE   4,447 0 0
TRUIST FINL CORP COM 89832Q109 306 8,032 SH   SOLE   8,032 0 0
TWITTER INC NOTE 1.000% 9/1 90184LAD4 199 200,000 SH   SOLE   200,000 0 0
UNILEVER N V N Y SHS NEW 904784709 355 5,875 SH   SOLE   5,875 0 0
UNION PAC CORP COM 907818108 2,705 13,739 SH   SOLE   13,739 0 0
UNITED PARCEL SERVICE INC CL B 911312106 1,963 11,783 SH   SOLE   11,783 0 0
UNITEDHEALTH GROUP INC COM 91324P102 3,779 12,121 SH   SOLE   12,121 0 0
US BANCORP DEL COM NEW 902973304 1,084 30,248 SH   SOLE   30,248 0 0
VALERO ENERGY CORP COM 91913Y100 290 6,690 SH   SOLE   6,690 0 0
VANGUARD ADMIRAL FDS INC 500 GRTH IDX F 921932505 29,896 143,433 SH   SOLE   143,433 0 0
VANGUARD ADMIRAL FDS INC 500 VAL IDX FD 921932703 15,743 144,542 SH   SOLE   144,541 0 1
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 139,674 454,002 SH   SOLE   454,002 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 13,234 126,628 SH   SOLE   126,628 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 1,054 6,189 SH   SOLE   6,189 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 6,885 30,249 SH   SOLE   30,249 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 10,086 65,577 SH   SOLE   65,577 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 27,110 153,809 SH   SOLE   153,809 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 21,402 494,961 SH   SOLE   494,961 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 225 4,453 SH   SOLE   4,453 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 33,282 611,345 SH   SOLE   611,345 0 0
VANGUARD SCOTTSDALE FDS VNG RUS1000GRW 92206C680 306 1,374 SH   SOLE   1,374 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 30,723 320,699 SH   SOLE   320,699 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 466 3,623 SH   SOLE   3,623 0 0
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 48,615 1,188,621 SH   SOLE   1,188,621 0 0
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 796 9,831 SH   SOLE   9,831 0 0
VERINT SYS INC NOTE 1.500% 6/0 92343XAA8 575 569,000 SH   SOLE   569,000 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 2,677 45,006 SH   SOLE   45,005 0 1
VERTEX PHARMACEUTICALS INC COM 92532F100 292 1,072 SH   SOLE   1,072 0 0
VIAVI SOLUTIONS INC NOTE 1.000% 3/0 925550AB1 248 220,000 SH   SOLE   220,000 0 0
VISA INC COM CL A 92826C839 3,887 19,440 SH   SOLE   19,440 0 0
VODAFONE GROUP PLC NEW SPONSORED ADR 92857W308 327 24,388 SH   SOLE   24,388 0 0
WALMART INC COM 931142103 701 5,008 SH   SOLE   5,008 0 0
WASTE MGMT INC DEL COM 94106L109 325 2,875 SH   SOLE   2,875 0 0
WEC ENERGY GROUP INC COM 92939U106 213 2,197 SH   SOLE   2,197 0 0
WELLS FARGO CO NEW COM 949746101 835 35,516 SH   SOLE   35,516 0 0
WESTPAC BANKING CORP SPONSORED ADR 961214301 546 45,326 SH   SOLE   45,326 0 0
WNS HLDGS LTD SPON ADR 92932M101 446 6,974 SH   SOLE   6,974 0 0
WPP PLC NEW ADR 92937A102 511 13,022 SH   SOLE   13,022 0 0
YUM BRANDS INC COM 988498101 553 6,058 SH   SOLE   6,058 0 0
YUM CHINA HLDGS INC COM 98850P109 268 5,069 SH   SOLE   5,068 0 1
ZIOPHARM ONCOLOGY INC COM 98973P101 38 15,000 SH   SOLE   15,000 0 0
ZOETIS INC CL A 98978V103 776 4,690 SH   SOLE   4,690 0 0
ZTO EXPRESS CAYMAN INC SPONSORED ADS A 98980A105 202 6,744 SH   SOLE   6,744 0 0