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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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
VANGUARD WORLD FDS INF TECH ETF 92204A702 267 959 SH   SOLE   959 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 344 1,117 SH   SOLE   1,117 0 0
ISHARES TR 0-5YR HI YL CP 46434V407 5,872 136,918 SH   SOLE   136,918 0 0
ISHARES TR CORE S&P TTL STK 464287150 1,217 17,525 SH   SOLE   17,525 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 7,132 135,530 SH   SOLE   135,530 0 0
SPDR INDEX SHS FDS PORTFLI MSCI GBL 78463X475 13,902 349,021 SH   SOLE   349,021 0 0
SPROTT PHYSICAL GOLD TR UNIT 85207H104 315 22,000 SH   SOLE   22,000 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 3,653 49,717 SH   SOLE   49,717 0 0
ISHARES TR EAFE SML CP ETF 464288273 348 6,498 SH   SOLE   6,498 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870 8,464 141,015 SH   SOLE   141,015 0 0
EVERSOURCE ENERGY COM 30040W108 211 2,532 SH   SOLE   2,532 0 0
ABERDEEN STD PRECIOUS METALS PHYSCL PM BASKET 003263100 4,785 57,289 SH   SOLE   57,289 0 0
ENBRIDGE INC COM 29250N105 242 7,956 SH   SOLE   7,956 0 0
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 348 3,475 SH   SOLE   3,475 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 3,119 42,093 SH   SOLE   42,093 0 0
BARCLAYS BANK PLC DJUBS CMDT ETN36 06738C778 415 23,567 SH   SOLE   23,567 0 0
ISHARES TR MSCI ACWI ETF 464288257 4,286 58,141 SH   SOLE   58,141 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 13,442 47,426 SH   SOLE   47,426 0 0
MICROSOFT CORP COM 594918104 510 2,506 SH   SOLE   2,506 0 0
RAYTHEON TECHNOLOGIES CORP COM 75513E101 361 5,856 SH   SOLE   5,856 0 0
ISHARES TR MIN VOL EAFE ETF 46429B689 9,170 138,810 SH   SOLE   138,810 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 6,518 68,508 SH   SOLE   68,508 0 0
ISHARES TR TIPS BD ETF 464287176 2,991 24,318 SH   SOLE   24,318 0 0
ISHARES TR CORE S&P SCP ETF 464287804 4,677 68,486 SH   SOLE   68,486 0 0
FIDELITY COVINGTON TR MSCI MATLS INDEX 316092881 5,323 172,654 SH   SOLE   172,654 0 0
VANECK VECTORS ETF TR INTL HIGH YIELD 92189F445 6,474 272,917 SH   SOLE   272,917 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 3,645 46,414 SH   SOLE   46,414 0 0
APPLE INC COM 037833100 4,068 11,152 SH   SOLE   11,152 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 555 10,074 SH   SOLE   10,074 0 0
EXXON MOBIL CORP COM 30231G102 217 4,841 SH   SOLE   4,841 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL MAT 46137V316 864 8,473 SH   SOLE   8,473 0 0
ISHARES TR SH TR CRPORT ETF 464288646 5,995 109,584 SH   SOLE   109,584 0 0
PIMCO ETF TR ACTIVE BD ETF 72201R775 908 8,134 SH   SOLE   8,134 0 0
ALPHABET INC CAP STK CL A 02079K305 254 179 SH   SOLE   179 0 0
ISHARES TR CORE MSCI EAFE 46432F842 4,504 78,789 SH   SOLE   78,789 0 0
ISHARES TR NASDAQ BIOTECH 464287556 243 1,780 SH   SOLE   1,780 0 0
SSGA ACTIVE ETF TR SPDR TR TACTIC 78467V848 1,645 33,191 SH   SOLE   33,191 0 0
ISHARES TR CORE US AGGBD ET 464287226 8,995 76,090 SH   SOLE   76,090 0 0
ALPHABET INC CAP STK CL C 02079K107 331 234 SH   SOLE   234 0 0
SCHWAB STRATEGIC TR US REIT ETF 808524847 397 11,263 SH   SOLE   11,263 0 0
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 5,967 201,790 SH   SOLE   201,790 0 0
PROCTER AND GAMBLE CO COM 742718109 276 2,312 SH   SOLE   2,312 0 0
SPDR SER TR BLOMBERG INTL TR 78464A516 5,410 187,149 SH   SOLE   187,149 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 13,278 446,335 SH   SOLE   446,335 0 0
ISHARES INC CORE MSCI EMKT 46434G103 337 7,080 SH   SOLE   7,080 0 0
ISHARES TR CORE S&P500 ETF 464287200 650 2,099 SH   SOLE   2,099 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 811 33,306 SH   SOLE   33,306 0 0
SPROTT PHYSICAL GOLD & SILVE TR UNIT 85208R101 1,428 84,491 SH   SOLE   84,491 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 20,527 131,136 SH   SOLE   131,136 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL HLT 46137V332 8,345 37,550 SH   SOLE   37,550 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 4,772 120,480 SH   SOLE   120,480 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 3,267 58,082 SH   SOLE   58,082 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 7,408 29,919 SH   SOLE   29,919 0 0
ISHARES U S ETF TR COMMOD SEL STG 46431W853 3,513 147,900 SH   SOLE   147,900 0 0