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 1,902 10,883 SH   SOLE   10,883 0 0
ABB LTD SPONSORED ADR 000375204 653 23,371 SH   SOLE   23,371 0 0
ABBOTT LABS COM 002824100 2,480 22,647 SH   SOLE   22,647 0 0
ABBVIE INC COM 00287Y109 1,720 16,051 SH   SOLE   16,051 0 0
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 2,518 9,642 SH   SOLE   9,642 0 0
ACTIVISION BLIZZARD INC COM 00507V109 281 3,024 SH   SOLE   3,024 0 0
ADOBE SYSTEMS INCORPORATED COM 00724F101 4,072 8,143 SH   SOLE   8,143 0 0
ADVANCED MICRO DEVICES INC COM 007903107 515 5,613 SH   SOLE   5,613 0 0
AEGON N V NY REGISTRY SHS 007924103 519 131,348 SH   SOLE   131,348 0 0
AIR PRODS & CHEMS INC COM 009158106 461 1,686 SH   SOLE   1,686 0 0
ALLEGION PLC ORD SHS G0176J109 361 3,098 SH   SOLE   3,098 0 0
ALPHABET INC CAP STK CL A 02079K305 4,695 2,679 SH   SOLE   2,679 0 0
ALPHABET INC CAP STK CL C 02079K107 4,586 2,618 SH   SOLE   2,618 0 0
ALTRIA GROUP INC COM 02209S103 694 16,938 SH   SOLE   16,938 0 0
AMAZON COM INC COM 023135106 13,108 4,025 SH   SOLE   4,025 0 0
AMEDISYS INC COM 023436108 204 697 SH   SOLE   697 0 0
AMERICAN ELEC PWR CO INC COM 025537101 496 5,959 SH   SOLE   5,959 0 0
AMERICAN EXPRESS CO COM 025816109 1,908 15,781 SH   SOLE   15,781 0 0
AMERICAN TOWER CORP NEW COM 03027X100 1,230 5,481 SH   SOLE   5,481 0 0
AMERIPRISE FINL INC COM 03076C106 836 4,301 SH   SOLE   4,301 0 0
AMGEN INC COM 031162100 1,449 6,301 SH   SOLE   6,301 0 0
ANALOG DEVICES INC COM 032654105 492 3,328 SH   SOLE   3,328 0 0
ANHEUSER BUSCH INBEV SA/NV SPONSORED ADR 03524A108 520 7,435 SH   SOLE   7,435 0 0
ANTHEM INC COM 036752103 343 1,068 SH   SOLE   1,068 0 0
AON PLC SHS CL A G0403H108 539 2,551 SH   SOLE   2,551 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 110 118,000 SH   SOLE   118,000 0 0
APPLE INC COM 037833100 37,200 280,351 SH   SOLE   280,351 0 0
APPLIED MATLS INC COM 038222105 695 8,056 SH   SOLE   8,056 0 0
ARES CAPITAL CORP NOTE 3.750% 2/0 04010LAT0 149 145,000 SH   SOLE   145,000 0 0
ARES CAPITAL CORP NOTE 4.625% 3/0 04010LAW3 211 200,000 SH   SOLE   200,000 0 0
ARGENX SE SPONSORED ADR 04016X101 746 2,537 SH   SOLE   2,537 0 0
ASML HOLDING N V N Y REGISTRY SHS N07059210 568 1,165 SH   SOLE   1,165 0 0
ASTRAZENECA PLC SPONSORED ADR 046353108 409 8,175 SH   SOLE   8,175 0 0
AT&T INC COM 00206R102 1,873 65,110 SH   SOLE   65,110 0 0
ATLAS AIR WORLDWIDE HLDGS IN NOTE 2.250% 6/0 049164BH8 483 465,000 SH   SOLE   465,000 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103 2,548 14,462 SH   SOLE   14,462 0 0
BANCO BILBAO VIZCAYA ARGENTA SPONSORED ADR 05946K101 178 36,046 SH   SOLE   36,046 0 0
BANCO SANTANDER S.A. ADR 05964H105 336 110,279 SH   SOLE   110,279 0 0
BANK NEW YORK MELLON CORP COM 064058100 493 11,605 SH   SOLE   11,605 0 0
BANK NOVA SCOTIA B C COM 064149107 216 4,000 SH   SOLE   4,000 0 0
BARCLAYS PLC ADR 06738E204 714 89,325 SH   SOLE   89,325 0 0
BAXTER INTL INC COM 071813109 287 3,579 SH   SOLE   3,579 0 0
BECTON DICKINSON & CO COM 075887109 362 1,448 SH   SOLE   1,448 0 0
BERKSHIRE HATHAWAY INC DEL CL A 084670108 1,739 5 SH   SOLE   5 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 14,956 64,501 SH   SOLE   64,501 0 0
BEST BUY INC COM 086516101 219 2,194 SH   SOLE   2,194 0 0
BHP GROUP LTD SPONSORED ADS 088606108 615 9,405 SH   SOLE   9,405 0 0
BHP GROUP PLC SPONSORED ADR 05545E209 562 10,600 SH   SOLE   10,600 0 0
BIOCRYST PHARMACEUTICALS INC COM 09058V103 114 15,350 SH   SOLE   15,350 0 0
BK OF AMERICA CORP COM 060505104 2,528 83,412 SH   SOLE   83,412 0 0
BLACKROCK INC COM 09247X101 2,920 4,047 SH   SOLE   4,047 0 0
BLACKSTONE GROUP INC COM CL A 09260D107 429 6,625 SH   SOLE   6,625 0 0
BOEING CO COM 097023105 1,174 5,483 SH   SOLE   5,483 0 0
BOOKING HOLDINGS INC COM 09857L108 612 275 SH   SOLE   275 0 0
BP PLC SPONSORED ADR 055622104 728 35,501 SH   SOLE   35,501 0 0
BRF SA SPONSORED ADR 10552T107 132 31,385 SH   SOLE   31,385 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108 1,287 20,745 SH   SOLE   20,745 0 0
BRITISH AMERN TOB PLC SPONSORED ADR 110448107 430 11,476 SH   SOLE   11,476 0 0
BROADCOM INC COM 11135F101 1,382 3,157 SH   SOLE   3,157 0 0
BROADRIDGE FINL SOLUTIONS IN COM 11133T103 1,061 6,925 SH   SOLE   6,925 0 0
CADENCE DESIGN SYSTEM INC COM 127387108 402 2,944 SH   SOLE   2,944 0 0
CAPITAL ONE FINL CORP COM 14040H105 509 5,151 SH   SOLE   5,151 0 0
CARNIVAL PLC ADR 14365C103 394 21,042 SH   SOLE   21,042 0 0
CARRIER GLOBAL CORPORATION COM 14448C104 251 6,644 SH   SOLE   6,644 0 0
CATERPILLAR INC COM 149123101 1,108 6,088 SH   SOLE   6,088 0 0
CELANESE CORP DEL COM 150870103 475 3,659 SH   SOLE   3,659 0 0
CHARTER COMMUNICATIONS INC N CL A 16119P108 656 991 SH   SOLE   991 0 0
CHECK POINT SOFTWARE TECH LT ORD M22465104 269 2,024 SH   SOLE   2,024 0 0
CHEVRON CORP NEW COM 166764100 2,264 26,813 SH   SOLE   26,813 0 0
CHUBB LIMITED COM H1467J104 1,659 10,781 SH   SOLE   10,781 0 0
CHURCH & DWIGHT INC COM 171340102 881 10,095 SH   SOLE   10,095 0 0
CIA ENERGETICA DE MINAS GERA SP ADR N-V PFD 204409601 360 124,936 SH   SOLE   124,936 0 0
CIGNA CORP NEW COM 125523100 546 2,624 SH   SOLE   2,624 0 0
CISCO SYS INC COM 17275R102 2,010 44,918 SH   SOLE   44,918 0 0
CITIGROUP INC COM NEW 172967424 1,445 23,433 SH   SOLE   23,433 0 0
CLOROX CO DEL COM 189054109 553 2,739 SH   SOLE   2,739 0 0
CME GROUP INC COM 12572Q105 300 1,646 SH   SOLE   1,646 0 0
COCA COLA CO COM 191216100 2,789 50,858 SH   SOLE   50,858 0 0
COLGATE PALMOLIVE CO COM 194162103 523 6,115 SH   SOLE   6,115 0 0
COLUMBIA FINL INC COM 197641103 245 15,729 SH   SOLE   15,729 0 0
COMCAST CORP NEW CL A 20030N101 2,272 43,350 SH   SOLE   43,350 0 0
CONOCOPHILLIPS COM 20825C104 544 13,604 SH   SOLE   13,604 0 0
COSAN LTD SHS A G25343107 520 28,235 SH   SOLE   28,235 0 0
COSTCO WHSL CORP NEW COM 22160K105 3,235 8,585 SH   SOLE   8,585 0 0
CREDIT SUISSE GROUP SPONSORED ADR 225401108 192 14,979 SH   SOLE   14,979 0 0
CRH PLC ADR 12626K203 675 15,853 SH   SOLE   15,853 0 0
CRITEO S A SPONS ADS 226718104 636 30,993 SH   SOLE   30,993 0 0
CROWN CASTLE INTL CORP NEW COM 22822V101 409 2,572 SH   SOLE   2,572 0 0
CSG SYS INTL INC NOTE 4.250% 3/1 126349AF6 486 462,000 SH   SOLE   462,000 0 0
CSX CORP COM 126408103 645 7,103 SH   SOLE   7,103 0 0
CVS HEALTH CORP COM 126650100 587 8,593 SH   SOLE   8,593 0 0
DANAHER CORPORATION COM 235851102 1,254 5,647 SH   SOLE   5,647 0 0
DECKERS OUTDOOR CORP COM 243537107 206 718 SH   SOLE   718 0 0
DEERE & CO COM 244199105 568 2,110 SH   SOLE   2,110 0 0
DISNEY WALT CO COM 254687106 3,984 21,989 SH   SOLE   21,989 0 0
DOLLAR GEN CORP NEW COM 256677105 341 1,624 SH   SOLE   1,624 0 0
DR REDDYS LABS LTD ADR 256135203 283 3,972 SH   SOLE   3,972 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204 875 9,552 SH   SOLE   9,552 0 0
DUPONT DE NEMOURS INC COM 26614N102 271 3,815 SH   SOLE   3,815 0 0
EATON CORP PLC SHS G29183103 623 5,182 SH   SOLE   5,182 0 0
EATON VANCE SR INCOME TR SH BEN INT 27826S103 237 37,336 SH   SOLE   37,336 0 0
ECOLAB INC COM 278865100 573 2,647 SH   SOLE   2,647 0 0
EDWARDS LIFESCIENCES CORP COM 28176E108 241 2,643 SH   SOLE   2,643 0 0
EMCORE CORP COM NEW 290846203 120 22,020 SH   SOLE   22,020 0 0
EMERSON ELEC CO COM 291011104 1,357 16,882 SH   SOLE   16,882 0 0
ENI S P A SPONSORED ADR 26874R108 354 17,193 SH   SOLE   17,193 0 0
EOG RES INC COM 26875P101 232 4,653 SH   SOLE   4,653 0 0
EQUINIX INC COM 29444U700 372 521 SH   SOLE   521 0 0
EQUINOR ASA SPONSORED ADR 29446M102 484 29,482 SH   SOLE   29,482 0 0
ERICSSON ADR B SEK 10 294821608 637 53,320 SH   SOLE   53,320 0 0
ERIE INDTY CO CL A 29530P102 297 1,210 SH   SOLE   1,210 0 0
EVOLENT HEALTH INC NOTE 2.000%12/0 30050BAB7 492 492,000 SH   SOLE   492,000 0 0
EXELON CORP COM 30161N101 423 10,020 SH   SOLE   10,020 0 0
EXXON MOBIL CORP COM 30231G102 2,448 59,394 SH   SOLE   59,394 0 0
FACEBOOK INC CL A 30303M102 5,497 20,122 SH   SOLE   20,122 0 0
FEDEX CORP COM 31428X106 367 1,413 SH   SOLE   1,413 0 0
FIDELITY NATL INFORMATION SV COM 31620M106 249 1,762 SH   SOLE   1,762 0 0
FISERV INC COM 337738108 212 1,866 SH   SOLE   1,866 0 0
FIVE9 INC COM 338307101 315 1,805 SH   SOLE   1,805 0 0
FLY LEASING LTD SPONSORED ADR 34407D109 543 55,164 SH   SOLE   55,164 0 0
GENERAL DYNAMICS CORP COM 369550108 282 1,893 SH   SOLE   1,893 0 0
GENERAL ELECTRIC CO COM 369604103 810 75,036 SH   SOLE   75,036 0 0
GENERAL MTRS CO COM 37045V100 272 6,539 SH   SOLE   6,539 0 0
GENMAB A/S SPONSORED ADS 372303206 323 7,949 SH   SOLE   7,949 0 0
GILEAD SCIENCES INC COM 375558103 454 7,791 SH   SOLE   7,791 0 0
GLAXOSMITHKLINE PLC SPONSORED ADR 37733W105 405 10,994 SH   SOLE   10,994 0 0
GOLDMAN SACHS GROUP INC COM 38141G104 1,627 6,171 SH   SOLE   6,171 0 0
GUIDEWIRE SOFTWARE INC NOTE 1.250% 3/1 40171VAA8 111 86,000 SH   SOLE   86,000 0 0
HARMONY GOLD MINING CO LTD SPONSORED ADR 413216300 47 10,000 SH   SOLE   10,000 0 0
HCA HEALTHCARE INC COM 40412C101 319 1,941 SH   SOLE   1,941 0 0
HOME DEPOT INC COM 437076102 4,866 18,318 SH   SOLE   18,318 0 0
HONDA MOTOR LTD AMERN SHS 438128308 525 18,582 SH   SOLE   18,582 0 0
HONEYWELL INTL INC COM 438516106 3,122 14,680 SH   SOLE   14,680 0 0
HSBC HLDGS PLC SPON ADR NEW 404280406 258 9,959 SH   SOLE   9,959 0 0
HUBBELL INC COM 443510607 2,699 17,212 SH   SOLE   17,212 0 0
HUMANA INC COM 444859102 220 537 SH   SOLE   537 0 0
HUTCHISON CHINA MEDITECH LTD SPONSORED ADR 44842L103 718 22,436 SH   SOLE   22,436 0 0
ICICI BANK LIMITED ADR 45104G104 313 21,073 SH   SOLE   21,073 0 0
ICON PLC SHS G4705A100 339 1,741 SH   SOLE   1,741 0 0
II-VI INC NOTE 0.250% 9/0 902104AB4 743 445,000 SH   SOLE   445,000 0 0
ILLINOIS TOOL WKS INC COM 452308109 1,013 4,970 SH   SOLE   4,970 0 0
ILLUMINA INC COM 452327109 212 574 SH   SOLE   574 0 0
INDEPENDENCE HLDG CO NEW COM NEW 453440307 295 7,205 SH   SOLE   7,205 0 0
INFOSYS LTD SPONSORED ADR 456788108 706 41,654 SH   SOLE   41,654 0 0
ING GROEP N.V. SPONSORED ADR 456837103 233 24,705 SH   SOLE   24,705 0 0
INTEL CORP COM 458140100 2,961 59,439 SH   SOLE   59,439 0 0
INTERCONTINENTAL EXCHANGE IN COM 45866F104 367 3,185 SH   SOLE   3,185 0 0
INTERCONTINENTAL HOTELS GROU SPONSORED ADS 45857P806 468 7,184 SH   SOLE   7,184 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 1,720 13,667 SH   SOLE   13,667 0 0
INTUIT COM 461202103 701 1,845 SH   SOLE   1,845 0 0
INTUITIVE SURGICAL INC COM NEW 46120E602 615 752 SH   SOLE   752 0 0
INVESCO EXCH TRADED FD TR II VAR RATE PFD 46138G870 369 14,230 SH   SOLE   14,230 0 0
INVESCO EXCHANGE TRADED FD T S&P500 QUALITY 46137V241 455 10,806 SH   SOLE   10,806 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 366 1,165 SH   SOLE   1,165 0 0
IRHYTHM TECHNOLOGIES INC COM 450056106 298 1,255 SH   SOLE   1,255 0 0
ISHARES GOLD TRUST ISHARES 464285105 609 33,578 SH   SOLE   33,578 0 0
ISHARES INC CORE MSCI EMKT 46434G103 35,973 579,833 SH   SOLE   579,833 0 0
ISHARES TR BARCLAYS 7 10 YR 464287440 457 3,808 SH   SOLE   3,808 0 0
ISHARES TR CORE HIGH DV ETF 46429B663 457 5,212 SH   SOLE   5,212 0 0
ISHARES TR CORE MSCI EAFE 46432F842 133,050 1,925,745 SH   SOLE   1,925,745 0 0
ISHARES TR CORE MSCI TOTAL 46432F834 1,815 27,006 SH   SOLE   27,006 0 0
ISHARES TR CORE S&P MCP ETF 464287507 56,929 247,702 SH   SOLE   247,702 0 0
ISHARES TR CORE S&P SCP ETF 464287804 22,813 248,241 SH   SOLE   248,241 0 0
ISHARES TR CORE S&P TTL STK 464287150 3,971 46,056 SH   SOLE   46,056 0 0
ISHARES TR CORE S&P500 ETF 464287200 1,061 2,827 SH   SOLE   2,827 0 0
ISHARES TR IBONDS DEC 46435U697 565 20,867 SH   SOLE   20,867 0 0
ISHARES TR IBONDS DEC 25 46435U432 706 25,055 SH   SOLE   25,055 0 0
ISHARES TR IBONDS DEC 26 46435U259 450 16,610 SH   SOLE   16,610 0 0
ISHARES TR IBONDS DEC2021 46435G789 692 26,829 SH   SOLE   26,829 0 0
ISHARES TR IBONDS DEC2022 46435G755 823 31,212 SH   SOLE   31,212 0 0
ISHARES TR IBONDS DEC2023 46435G318 745 28,450 SH   SOLE   28,450 0 0
ISHARES TR MBS ETF 464288588 252 2,291 SH   SOLE   2,291 0 0
ISHARES TR MSCI EAFE ETF 464287465 569 7,794 SH   SOLE   7,794 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 369 7,138 SH   SOLE   7,138 0 0
ISHARES TR NATIONAL MUN ETF 464288414 1,180 10,072 SH   SOLE   10,072 0 0
ISHARES TR PFD AND INCM SEC 464288687 2,282 59,258 SH   SOLE   59,258 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 1,633 6,773 SH   SOLE   6,773 0 0
ISHARES TR RUS 1000 VAL ETF 464287598 877 6,414 SH   SOLE   6,414 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 541 2,758 SH   SOLE   2,758 0 0
ISHARES TR S&P 500 GRWT ETF 464287309 271 4,240 SH   SOLE   4,240 0 0
ISHARES TR S&P MC 400GR ETF 464287606 310 4,292 SH   SOLE   4,292 0 0
ISHARES TR SELECT DIVID ETF 464287168 317 3,292 SH   SOLE   3,292 0 0
ISHARES TR TIPS BD ETF 464287176 596 4,671 SH   SOLE   4,671 0 0
JOHNSON & JOHNSON COM 478160104 5,558 35,316 SH   SOLE   35,316 0 0
JPMORGAN CHASE & CO COM 46625H100 6,403 50,393 SH   SOLE   50,393 0 0
KEYCORP COM 493267108 213 12,953 SH   SOLE   12,953 0 0
KIMBERLY-CLARK CORP COM 494368103 294 2,182 SH   SOLE   2,182 0 0
KINDER MORGAN INC DEL COM 49456B101 307 22,452 SH   SOLE   22,452 0 0
KONINKLIJKE PHILIPS N V NY REG SH NEW 500472303 561 10,365 SH   SOLE   10,365 0 0
KRAFT HEINZ CO COM 500754106 219 6,319 SH   SOLE   6,319 0 0
LAKELAND BANCORP INC COM 511637100 996 78,413 SH   SOLE   78,413 0 0
LAUDER ESTEE COS INC CL A 518439104 278 1,046 SH   SOLE   1,046 0 0
LILLY ELI & CO COM 532457108 718 4,252 SH   SOLE   4,252 0 0
LINDE PLC SHS G5494J103 935 3,548 SH   SOLE   3,548 0 0
LLOYDS BANKING GROUP PLC SPONSORED ADR 539439109 306 155,929 SH   SOLE   155,929 0 0
LOCKHEED MARTIN CORP COM 539830109 555 1,563 SH   SOLE   1,563 0 0
LOWES COS INC COM 548661107 1,796 11,190 SH   SOLE   11,190 0 0
MARRIOTT INTL INC NEW CL A 571903202 617 4,675 SH   SOLE   4,675 0 0
MARRIOTT VACTINS WORLDWID CO NOTE 1.500% 9/1 57164YAB3 23 20,000 SH   SOLE   20,000 0 0
MARSH & MCLENNAN COS INC COM 571748102 1,202 10,273 SH   SOLE   10,273 0 0
MASTERCARD INCORPORATED CL A 57636Q104 4,332 12,137 SH   SOLE   12,137 0 0
MCDONALDS CORP COM 580135101 2,143 9,989 SH   SOLE   9,989 0 0
MEDTRONIC PLC SHS G5960L103 1,533 13,088 SH   SOLE   13,088 0 0
MERCK & CO. INC COM 58933Y105 2,911 35,590 SH   SOLE   35,590 0 0
METLIFE INC COM 59156R108 481 10,244 SH   SOLE   10,244 0 0
MICRON TECHNOLOGY INC COM 595112103 330 4,393 SH   SOLE   4,393 0 0
MICROSOFT CORP COM 594918104 16,903 75,996 SH   SOLE   75,996 0 0
MITSUBISHI UFJ FINL GROUP IN SPONSORED ADS 606822104 680 153,390 SH   SOLE   153,390 0 0
MIZUHO FINANCIAL GROUP INC. SPONSORED ADR 60687Y109 510 199,821 SH   SOLE   199,821 0 0
MONDELEZ INTL INC CL A 609207105 1,937 33,127 SH   SOLE   33,127 0 0
MOODYS CORP COM 615369105 802 2,763 SH   SOLE   2,763 0 0
MORGAN STANLEY COM NEW 617446448 707 10,323 SH   SOLE   10,323 0 0
MORGAN STANLEY EMERGING MKTS COM 617477104 63 10,000 SH   SOLE   10,000 0 0
NATWEST GROUP PLC SPONS ADR 2 ORD 639057108 448 99,099 SH   SOLE   99,099 0 0
NETFLIX INC COM 64110L106 1,850 3,421 SH   SOLE   3,421 0 0
NEW MTN FIN CORP COM 647551100 1,548 136,259 SH   SOLE   136,259 0 0
NEW RELIC INC NOTE 0.500% 5/0 64829BAB6 524 535,000 SH   SOLE   535,000 0 0
NEW YORK CMNTY CAP TR V UNIT 11/01/2051 64944P307 409 8,926 SH   SOLE   8,926 0 0
NEXTERA ENERGY INC COM 65339F101 1,958 25,375 SH   SOLE   25,375 0 0
NICE LTD SPONSORED ADR 653656108 882 3,110 SH   SOLE   3,110 0 0
NIKE INC CL B 654106103 1,887 13,338 SH   SOLE   13,338 0 0
NOKIA CORP SPONSORED ADR 654902204 648 165,640 SH   SOLE   165,640 0 0
NOMURA HLDGS INC SPONSORED ADR 65535H208 415 77,863 SH   SOLE   77,863 0 0
NORDIC AMERICAN TANKERS LIMI COM G65773106 34 11,648 SH   SOLE   11,648 0 0
NORFOLK SOUTHN CORP COM 655844108 961 4,045 SH   SOLE   4,045 0 0
NOVARTIS AG SPONSORED ADR 66987V109 832 8,807 SH   SOLE   8,807 0 0
NOVO-NORDISK A S ADR 670100205 421 6,026 SH   SOLE   6,026 0 0
NVIDIA CORPORATION COM 67066G104 2,347 4,494 SH   SOLE   4,494 0 0
NXP SEMICONDUCTORS N V COM N6596X109 213 1,338 SH   SOLE   1,338 0 0
OMNICOM GROUP INC COM 681919106 294 4,718 SH   SOLE   4,718 0 0
ORACLE CORP COM 68389X105 1,630 25,200 SH   SOLE   25,200 0 0
ORIX CORP SPONSORED ADR 686330101 286 3,704 SH   SOLE   3,704 0 0
OTIS WORLDWIDE CORP COM 68902V107 257 3,809 SH   SOLE   3,809 0 0
PARK NATL CORP COM 700658107 332 3,161 SH   SOLE   3,161 0 0
PAYPAL HLDGS INC COM 70450Y103 2,571 10,979 SH   SOLE   10,979 0 0
PEARSON PLC SPONSORED ADR 705015105 558 60,736 SH   SOLE   60,736 0 0
PEPSICO INC COM 713448108 3,808 25,675 SH   SOLE   25,675 0 0
PFIZER INC COM 717081103 2,863 77,782 SH   SOLE   77,782 0 0
PHILIP MORRIS INTL INC COM 718172109 1,641 19,826 SH   SOLE   19,826 0 0
PHILLIPS 66 COM 718546104 454 6,487 SH   SOLE   6,487 0 0
PNC FINL SVCS GROUP INC COM 693475105 924 6,199 SH   SOLE   6,199 0 0
PORTMAN RIDGE FIN CORP COM 73688F102 37 19,248 SH   SOLE   19,248 0 0
PROCTER AND GAMBLE CO COM 742718109 5,897 42,381 SH   SOLE   42,381 0 0
PROGRESSIVE CORP COM 743315103 291 2,941 SH   SOLE   2,941 0 0
PROLOGIS INC. COM 74340W103 722 7,242 SH   SOLE   7,242 0 0
PURE STORAGE INC NOTE 0.125% 4/1 74624MAB8 451 410,000 SH   SOLE   410,000 0 0
QUALCOMM INC COM 747525103 1,363 8,945 SH   SOLE   8,945 0 0
RAMBUS INC DEL NOTE 1.375% 2/0 750917AG1 388 345,000 SH   SOLE   345,000 0 0
RAYTHEON TECHNOLOGIES CORP COM 75513E101 1,190 16,642 SH   SOLE   16,642 0 0
RELX PLC SPONSORED ADR 759530108 450 18,244 SH   SOLE   18,244 0 0
RIO TINTO PLC SPONSORED ADR 767204100 748 9,942 SH   SOLE   9,942 0 0
ROCKWELL AUTOMATION INC COM 773903109 341 1,361 SH   SOLE   1,361 0 0
ROYAL DUTCH SHELL PLC SPON ADR B 780259107 220 6,560 SH   SOLE   6,560 0 0
ROYAL DUTCH SHELL PLC SPONS ADR A 780259206 384 10,925 SH   SOLE   10,925 0 0
RPM INTL INC COM 749685103 474 5,220 SH   SOLE   5,220 0 0
RYANAIR HOLDINGS PLC SPONSORED ADS 783513203 738 6,710 SH   SOLE   6,710 0 0
S&P GLOBAL INC COM 78409V104 402 1,223 SH   SOLE   1,223 0 0
SALESFORCE COM INC COM 79466L302 2,024 9,097 SH   SOLE   9,097 0 0
SANOFI SPONSORED ADR 80105N105 314 6,464 SH   SOLE   6,464 0 0
SAP SE SPON ADR 803054204 566 4,344 SH   SOLE   4,344 0 0
SCHWAB CHARLES CORP COM 808513105 351 6,625 SH   SOLE   6,625 0 0
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771 488 10,767 SH   SOLE   10,767 0 0
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755 203 6,918 SH   SOLE   6,918 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 748 8,226 SH   SOLE   8,226 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870 5,497 88,547 SH   SOLE   88,547 0 0
SEA LTD SPONSORD ADS 81141R100 1,965 9,870 SH   SOLE   9,870 0 0
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 236 1,470 SH   SOLE   1,470 0 0
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 240 2,118 SH   SOLE   2,118 0 0
SELECT SECTOR SPDR TR SBI INT-FINL 81369Y605 414 14,027 SH   SOLE   14,027 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 468 3,596 SH   SOLE   3,596 0 0
SERVICENOW INC COM 81762P102 506 920 SH   SOLE   920 0 0
SHERWIN WILLIAMS CO COM 824348106 592 806 SH   SOLE   806 0 0
SHIP FINANCE INTERNATIONAL L NOTE 5.750%10/1 G81075AF3 397 405,000 SH   SOLE   405,000 0 0
SKYWORKS SOLUTIONS INC COM 83088M102 414 2,711 SH   SOLE   2,711 0 0
SMITH & NEPHEW PLC SPDN ADR NEW 83175M205 245 5,802 SH   SOLE   5,802 0 0
SONY CORP SPONSORED ADR 835699307 611 6,045 SH   SOLE   6,045 0 0
SOUTHERN CO COM 842587107 613 9,985 SH   SOLE   9,985 0 0
SPDR GOLD TR GOLD SHS 78463V107 340 1,906 SH   SOLE   1,906 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 6,011 16,076 SH   SOLE   16,076 0 0
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 502 1,196 SH   SOLE   1,196 0 0
SPDR SER TR PRTFLO S&P500 GW 78464A409 27,136 490,789 SH   SOLE   490,789 0 0
SPDR SER TR PRTFLO S&P500 VL 78464A508 20,823 605,488 SH   SOLE   605,488 0 0
STARBUCKS CORP COM 855244109 1,303 12,184 SH   SOLE   12,184 0 0
STRYKER CORPORATION COM 863667101 672 2,743 SH   SOLE   2,743 0 0
SUMITOMO MITSUI FINL GROUP I SPONSORED ADR 86562M209 380 61,583 SH   SOLE   61,583 0 0
SUPERNUS PHARMACEUTICALS INC NOTE 0.625% 4/0 868459AD0 475 501,000 SH   SOLE   501,000 0 0
SYNAPTICS INC NOTE 0.500% 6/1 87157DAD1 414 300,000 SH   SOLE   300,000 0 0
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100 451 4,137 SH   SOLE   4,137 0 0
TAKEDA PHARMACEUTICAL CO LTD SPONSORED ADS 874060205 409 22,469 SH   SOLE   22,469 0 0
TAL EDUCATION GROUP SPONSORED ADS 874080104 399 5,582 SH   SOLE   5,582 0 0
TALEND S A ADS 874224207 487 12,691 SH   SOLE   12,691 0 0
TARGET CORP COM 87612E106 1,402 7,941 SH   SOLE   7,941 0 0
TELEFONICA S A SPONSORED ADR 879382208 286 70,881 SH   SOLE   70,881 0 0
TENARIS S A SPONSORED ADS 88031M109 171 10,692 SH   SOLE   10,692 0 0
TERADYNE INC COM 880770102 263 2,195 SH   SOLE   2,195 0 0
TESLA INC COM 88160R101 2,468 3,498 SH   SOLE   3,498 0 0
TEXAS INSTRS INC COM 882508104 2,146 13,074 SH   SOLE   13,074 0 0
THERAVANCE INC NOTE 2.125% 1/1 88338TAB0 85 85,000 SH   SOLE   85,000 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102 2,292 4,920 SH   SOLE   4,920 0 0
TJX COS INC NEW COM 872540109 640 9,378 SH   SOLE   9,378 0 0
T-MOBILE US INC COM 872590104 473 3,504 SH   SOLE   3,504 0 0
TORONTO DOMINION BK ONT COM NEW 891160509 311 5,516 SH   SOLE   5,516 0 0
TOTAL SE SPONSORED ADS 89151E109 670 15,987 SH   SOLE   15,987 0 0
TOYOTA MOTOR CORP SP ADR REP2COM 892331307 505 3,270 SH   SOLE   3,270 0 0
TRANE TECHNOLOGIES PLC SHS G8994E103 308 2,120 SH   SOLE   2,120 0 0
TRAVELERS COMPANIES INC COM 89417E109 628 4,472 SH   SOLE   4,472 0 0
TRUIST FINL CORP COM 89832Q109 451 9,403 SH   SOLE   9,403 0 0
TWITTER INC NOTE 1.000% 9/1 90184LAD4 204 200,000 SH   SOLE   200,000 0 0
UNILEVER PLC SPON ADR NEW 904767704 355 5,880 SH   SOLE   5,880 0 0
UNION PAC CORP COM 907818108 2,915 13,998 SH   SOLE   13,998 0 0
UNITED PARCEL SERVICE INC CL B 911312106 2,023 12,012 SH   SOLE   12,012 0 0
UNITEDHEALTH GROUP INC COM 91324P102 4,526 12,905 SH   SOLE   12,905 0 0
US BANCORP DEL COM NEW 902973304 1,324 28,425 SH   SOLE   28,425 0 0
VALERO ENERGY CORP COM 91913Y100 370 6,532 SH   SOLE   6,532 0 0
VANGUARD ADMIRAL FDS INC 500 GRTH IDX F 921932505 32,321 140,478 SH   SOLE   140,478 0 0
VANGUARD ADMIRAL FDS INC 500 VAL IDX FD 921932703 17,547 141,860 SH   SOLE   141,860 0 0
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 413 7,051 SH   SOLE   7,051 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 7,637 30,145 SH   SOLE   30,145 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 31,725 153,429 SH   SOLE   153,429 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 164,977 480,016 SH   SOLE   480,016 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 12,573 64,583 SH   SOLE   64,583 0 0
VANGUARD INDEX FDS SML CP GRW ETF 922908595 334 1,246 SH   SOLE   1,246 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 1,600 8,218 SH   SOLE   8,218 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 14,880 125,088 SH   SOLE   125,088 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 259 4,436 SH   SOLE   4,436 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 24,650 491,917 SH   SOLE   491,917 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 37,581 680,936 SH   SOLE   680,936 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 34,668 356,883 SH   SOLE   356,883 0 0
VANGUARD SCOTTSDALE FDS VNG RUS1000GRW 92206C680 341 1,374 SH   SOLE   1,374 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 1,016 7,200 SH   SOLE   7,200 0 0
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 55,582 1,177,342 SH   SOLE   1,177,342 0 0
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 824 9,007 SH   SOLE   9,007 0 0
VERINT SYS INC NOTE 1.500% 6/0 92343XAA8 624 569,000 SH   SOLE   569,000 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 2,691 45,807 SH   SOLE   45,807 0 0
VERTEX PHARMACEUTICALS INC COM 92532F100 276 1,169 SH   SOLE   1,169 0 0
VIAVI SOLUTIONS INC NOTE 1.000% 3/0 925550AB1 282 220,000 SH   SOLE   220,000 0 0
VISA INC COM CL A 92826C839 4,422 20,216 SH   SOLE   20,216 0 0
VODAFONE GROUP PLC NEW SPONSORED ADR 92857W308 419 25,453 SH   SOLE   25,453 0 0
WALGREENS BOOTS ALLIANCE INC COM 931427108 245 6,145 SH   SOLE   6,145 0 0
WALMART INC COM 931142103 1,035 7,180 SH   SOLE   7,180 0 0
WASTE MGMT INC DEL COM 94106L109 356 3,018 SH   SOLE   3,018 0 0
WEC ENERGY GROUP INC COM 92939U106 203 2,205 SH   SOLE   2,205 0 0
WELLS FARGO CO NEW COM 949746101 1,190 39,442 SH   SOLE   39,442 0 0
WESTPAC BANKING CORP SPONSORED ADR 961214301 514 34,497 SH   SOLE   34,497 0 0
WNS HLDGS LTD SPON ADR 92932M101 394 5,474 SH   SOLE   5,474 0 0
WPP PLC NEW ADR 92937A102 554 10,247 SH   SOLE   10,247 0 0
YUM BRANDS INC COM 988498101 649 5,979 SH   SOLE   5,979 0 0
YUM CHINA HLDGS INC COM 98850P109 267 4,679 SH   SOLE   4,679 0 0
ZIOPHARM ONCOLOGY INC COM 98973P101 38 15,000 SH   SOLE   15,000 0 0
ZOETIS INC CL A 98978V103 861 5,205 SH   SOLE   5,205 0 0