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 362 1,035 SH   SOLE   0 0 1,035
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 580 2,221 SH   SOLE   0 0 2,221
ALIBABA GROUP HLDG LTD SPONSORED ADS 01609W102 265 285 SH   SOLE   0 0 285
ALPHABET INC CAP STK CL C 02079K107 431 18 SH   SOLE   0 0 18
AMAZON COM INC COM 023135106 580 12 SH   SOLE   0 0 12
APPLE INC COM 037833100 15,287 893 SH   SOLE   0 0 893
B2GOLD CORP COM 11777Q209 66 11,700 SH   SOLE   0 0 11,700
BOEING CO COM 097023105 209 140 SH   SOLE   0 0 140
CBOE GLOBAL MKTS INC COM 12503M108 1,844 19,800 SH   SOLE   0 0 19,800
COCA COLA CO COM 191216100 594 5,420 SH   SOLE   0 0 5,420
FACEBOOK INC CL A 30303M102 1,208 632 SH   SOLE   0 0 632
FIRST TR EXCHANGE-TRADED FD FST LOW OPPT EFT 33739Q200 3,319 32,242 SH   SOLE   0 0 32,242
FISERV INC COM 337738108 1,108 3,242 SH   SOLE   0 0 3,242
GENERAL ELECTRIC CO COM 369604103 327 5,045 SH   SOLE   0 0 5,045
GENERAL MLS INC COM 370334104 6,741 28,659 SH   SOLE   0 0 28,659
HOME DEPOT INC COM 437076102 369 155 SH   SOLE   0 0 155
INTERNATIONAL BUSINESS MACHS COM 459200101 333 529 SH   SOLE   0 0 529
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354 2,949 1,873 SH   SOLE   0 0 1,873
INVESCO EXCH TRADED FD TR II S&P 500 MOMNTM 46138E339 983 929 SH   SOLE   0 0 929
ISHARES INC ESG AWR MSCI EM 46434G863 6,767 383 SH   SOLE   0 0 383
ISHARES INC CORE MSCI EMKT 46434G103 294 474 SH   SOLE   0 0 474
ISHARES TR EAFE GRWTH ETF 464288885 32,277 339 SH   SOLE   0 0 339
ISHARES TR IBOXX INV CP ETF 464287242 31,183 266 SH   SOLE   0 0 266
ISHARES TR MSCI USA MIN VOL 46429B697 31,168 390 SH   SOLE   0 0 390
ISHARES TR CORE S&P500 ETF 464287200 29,333 103 SH   SOLE   0 0 103
ISHARES TR MSCI USA QLT FCT 46432F339 26,323 227 SH   SOLE   0 0 227
ISHARES TR US TREAS BD ETF 46429B267 21,836 1,301 SH   SOLE   0 0 1,301
ISHARES TR MSCI USA MMENTM 46432F396 20,555 128 SH   SOLE   0 0 128
ISHARES TR U.S. MED DVC ETF 464288810 14,824 54 SH   SOLE   0 0 54
ISHARES TR 3 7 YR TREAS BD 464288661 11,715 338 SH   SOLE   0 0 338
ISHARES TR IBOXX HI YD ETF 464288513 10,466 306 SH   SOLE   0 0 306
ISHARES TR CORE MSCI EAFE 46432F842 10,188 157 SH   SOLE   0 0 157
ISHARES TR 20 YR TR BD ETF 464287432 8,753 119 SH   SOLE   0 0 119
ISHARES TR RUSSELL 3000 ETF 464287689 5,401 805 SH   SOLE   0 0 805
ISHARES TR GLOBAL TECH ETF 464287291 3,576 34 SH   SOLE   0 0 34
ISHARES TR ISHS 1-5YR INVS 464288646 2,996 170 SH   SOLE   0 0 170
ISHARES TR S&P 500 VAL ETF 464287408 2,667 992 SH   SOLE   0 0 992
ISHARES TR MSCI INTL MOMENT 46434V449 2,544 4,827 SH   SOLE   0 0 4,827
ISHARES TR FLTG RATE NT ETF 46429B655 2,295 209 SH   SOLE   0 0 209
ISHARES TR 0-5YR HI YL CP 46434V407 1,815 170 SH   SOLE   0 0 170
ISHARES TR CORE US AGGBD ET 464287226 946 728 SH   SOLE   0 0 728
ISHARES TR CORE S&P MCP ETF 464287507 879 201 SH   SOLE   0 0 201
ISHARES TR MSCI USA SMCP MN 46435G433 638 941 SH   SOLE   0 0 941
ISHARES TR U.S. FIN SVC ETF 464287770 514 264 SH   SOLE   0 0 264
ISHARES TR CORE S&P TTL STK 464287150 511 112 SH   SOLE   0 0 112
ISHARES TR NATIONAL MUN ETF 464288414 300 853 SH   SOLE   0 0 853
ISHARES TR CORE S&P SCP ETF 464287804 226 205 SH   SOLE   0 0 205
ISHARES TR MSCI ACWI ETF 464288257 221 406 SH   SOLE   0 0 406
ISHARES TR BARCLAYS 7 10 YR 464287440 215 69 SH   SOLE   0 0 69
ISHARES U S ETF TR BLACKROCK ST MAT 46431W507 697 13,890 SH   SOLE   0 0 13,890
J & J SNACK FOODS CORP COM 466032109 299 1,924 SH   SOLE   0 0 1,924
J P MORGAN EXCHANGE-TRADED F US AGGREGATE 46641Q613 11,607 748 SH   SOLE   0 0 748
J P MORGAN EXCHANGE-TRADED F ULTRA SHRT INC 46641Q837 5,313 17,434 SH   SOLE   0 0 17,434
J P MORGAN EXCHANGE-TRADED F US QUALTY FCTR 46641Q761 2,785 2,677 SH   SOLE   0 0 2,677
JOHNSON & JOHNSON COM 478160104 527 669 SH   SOLE   0 0 669
JPMORGAN CHASE & CO COM 46625H100 200 262 SH   SOLE   0 0 262
MICROSOFT CORP COM 594918104 580 163 SH   SOLE   0 0 163
MODERNA INC COM 60770K107 298 1,429 SH   SOLE   0 0 1,429
NETFLIX INC COM 64110L106 373 115 SH   SOLE   0 0 115
PALATIN TECHNOLOGIES INC COM PAR $ .01 696077403 10 15,000 SH   SOLE   0 0 15,000
PEOPLES UNITED FINANCIAL INC COM 712704105 191 14,809 SH   SOLE   0 0 14,809
PIMCO ETF TR ACTIVE BD ETF 72201R775 3,401 94 SH   SOLE   0 0 94
PROSHARES TR ULTRAPRO SHORT S 74347B268 272 45,866 SH   SOLE   0 0 45,866
QUALCOMM INC COM 747525103 574 753 SH   SOLE   0 0 753
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 11,558 459 SH   SOLE   0 0 459
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 4,284 423 SH   SOLE   0 0 423
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730 505 941 SH   SOLE   0 0 941
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 502 92 SH   SOLE   0 0 92
SPDR INDEX SHS FDS DJ GLB RL ES ETF 78463X749 774 82 SH   SOLE   0 0 82
SPDR S&P 500 ETF TR TR UNIT 78462F103 567 253 SH   SOLE   0 0 253
SPDR SER TR PORTFOLIO LN TSR 78464A664 695 65 SH   SOLE   0 0 65
SPDR SER TR S&P 600 SMCP VAL 78464A300 264 1,328 SH   SOLE   0 0 1,328
TESLA INC COM 88160R101 433 153 SH   SOLE   0 0 153
UNION PAC CORP COM 907818108 490 1,176 SH   SOLE   0 0 1,176
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 3,420 13,751 SH   SOLE   0 0 13,751
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 714 610 SH   SOLE   0 0 610
VANGUARD INDEX FDS VALUE ETF 922908744 23,121 205 SH   SOLE   0 0 205
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 10,497 74 SH   SOLE   0 0 74
VANGUARD INDEX FDS SMALL CP ETF 922908751 9,076 71 SH   SOLE   0 0 71
VANGUARD INDEX FDS MID CAP ETF 922908629 3,143 46 SH   SOLE   0 0 46
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 1,064 114 SH   SOLE   0 0 114
VANGUARD INDEX FDS TOTAL STK MKT 922908769 385 659 SH   SOLE   0 0 659
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 472 1,572 SH   SOLE   0 0 1,572
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 18,817 388 SH   SOLE   0 0 388
VANGUARD SCOTTSDALE FDS MORTG-BACK SEC 92206C771 2,827 159 SH   SOLE   0 0 159
VANGUARD SCOTTSDALE FDS TOTAL CORP BND 92206C573 779 1,656 SH   SOLE   0 0 1,656
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 301 775 SH   SOLE   0 0 775
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 1,075 949 SH   SOLE   0 0 949
VANGUARD WORLD FDS MATERIALS ETF 92204A801 410 2,611 SH   SOLE   0 0 2,611
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504 312 279 SH   SOLE   0 0 279