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
AON PLC SHS CL A G0403H108 258 1,337 SH   SOLE   0 0 1,337
EATON CORP PLC SHS G29183103 300 3,425 SH   SOLE   0 0 3,425
STERIS PLC SHS USD G8473T100 257 1,675 SH   SOLE   0 0 1,675
ALPS ETF TR RIVRFRNT STR INC 00162Q783 3,217 130,937 SH   SOLE   0 0 130,937
AT&T INC COM 00206R102 848 28,040 SH   SOLE   0 0 28,040
ABBOTT LABS COM 002824100 478 5,232 SH   SOLE   0 0 5,232
ABBVIE INC COM 00287Y109 1,045 10,643 SH   SOLE   0 0 10,643
ABERDEEN STD GOLD ETF TR PHYSCL GOLD SHS 00326A104 1,840 107,342 SH   SOLE   0 0 107,342
ADOBE INC COM 00724F101 336 772 SH   SOLE   0 0 772
AKAMAI TECHNOLOGIES INC COM 00971T101 352 3,288 SH   SOLE   0 0 3,288
ALPHABET INC CAP STK CL A 02079K305 542 382 SH   SOLE   0 0 382
AMAZON COM INC COM 023135106 1,214 440 SH   SOLE   0 0 440
AMERICAN EXPRESS CO COM 025816109 258 2,714 SH   SOLE   0 0 2,714
AMERICAN TOWER CORP NEW COM 03027X100 265 1,024 SH   SOLE   0 0 1,024
AMGEN INC COM 031162100 1,049 4,448 SH   SOLE   0 0 4,448
APPLE INC COM 037833100 4,929 13,511 SH   SOLE   0 0 13,511
AUTOZONE INC COM 053332102 256 227 SH   SOLE   0 0 227
BCE INC COM NEW 05534B760 424 10,159 SH   SOLE   0 0 10,159
BP PLC SPONSORED ADR 055622104 288 12,330 SH   SOLE   0 0 12,330
BK OF AMERICA CORP COM 060505104 334 14,062 SH   SOLE   0 0 14,062
BANK NEW YORK MELLON CORP COM 064058100 253 6,556 SH   SOLE   0 0 6,556
BERKSHIRE HATHAWAY INC DEL CL A 084670108 267 1 SH   SOLE   0 0 1
BEST BUY INC COM 086516101 419 4,802 SH   SOLE   0 0 4,802
BRISTOL-MYERS SQUIBB CO COM 110122108 529 8,992 SH   SOLE   0 0 8,992
BRITISH AMERN TOB PLC SPONSORED ADR 110448107 308 7,925 SH   SOLE   0 0 7,925
CDW CORP COM 12514G108 366 3,152 SH   SOLE   0 0 3,152
CHEVRON CORP NEW COM 166764100 551 6,171 SH   SOLE   0 0 6,171
CISCO SYS INC COM 17275R102 741 15,898 SH   SOLE   0 0 15,898
COCA COLA CO COM 191216100 419 9,380 SH   SOLE   0 0 9,380
COMCAST CORP NEW CL A 20030N101 336 8,619 SH   SOLE   0 0 8,619
CONOCOPHILLIPS COM 20825C104 229 5,451 SH   SOLE   0 0 5,451
D R HORTON INC COM 23331A109 366 6,602 SH   SOLE   0 0 6,602
DTE ENERGY CO COM 233331107 686 6,379 SH   SOLE   0 0 6,379
DOMINION ENERGY INC COM 25746U109 539 6,635 SH   SOLE   0 0 6,635
DUKE ENERGY CORP NEW COM NEW 26441C204 429 5,374 SH   SOLE   0 0 5,374
EVERSOURCE ENERGY COM 30040W108 246 2,957 SH   SOLE   0 0 2,957
EXXON MOBIL CORP COM 30231G102 445 9,944 SH   SOLE   0 0 9,944
FACEBOOK INC CL A 30303M102 608 2,677 SH   SOLE   0 0 2,677
FIDELITY NATL INFORMATION SV COM 31620M106 359 2,676 SH   SOLE   0 0 2,676
FIRST TR EXCHANGE-TRADED FD SENIOR LN FD 33738D309 909 20,139 SH   SOLE   0 0 20,139
FIRST TR EXCHANGE-TRADED FD FST LOW OPPT EFT 33739Q200 1,875 36,288 SH   SOLE   0 0 36,288
FORD MTR CO DEL COM 345370860 147 24,128 SH   SOLE   0 0 24,128
GILEAD SCIENCES INC COM 375558103 278 3,616 SH   SOLE   0 0 3,616
GLAXOSMITHKLINE PLC SPONSORED ADR 37733W105 435 10,671 SH   SOLE   0 0 10,671
HOME DEPOT INC COM 437076102 579 2,310 SH   SOLE   0 0 2,310
HUNTINGTON BANCSHARES INC COM 446150104 157 17,337 SH   SOLE   0 0 17,337
INTEL CORP COM 458140100 573 9,574 SH   SOLE   0 0 9,574
INVESCO ACTIVELY MANAGED ETF ULTRA SHRT DUR 46090A887 3,462 68,636 SH   SOLE   0 0 68,636
INVESCO QQQ TR UNIT SER 1 46090E103 2,400 9,692 SH   SOLE   0 0 9,692
INVESCO EXCHANGE TRADED FD T S&P500 QUALITY 46137V241 2,934 82,854 SH   SOLE   0 0 82,854
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 4,413 43,371 SH   SOLE   0 0 43,371
INVESCO EXCHANGE TRADED FD T DYNMC LRG VALU 46137V738 2,678 79,850 SH   SOLE   0 0 79,850
ISHARES TR CORE S&P TTL STK 464287150 3,469 49,956 SH   SOLE   0 0 49,956
ISHARES TR CORE US AGGBD ET 464287226 3,078 26,040 SH   SOLE   0 0 26,040
ISHARES TR MSCI EMG MKT ETF 464287234 9,496 237,462 SH   SOLE   0 0 237,462
ISHARES TR IBOXX INV CP ETF 464287242 5,594 41,588 SH   SOLE   0 0 41,588
ISHARES TR BARCLAYS 7 10 YR 464287440 354 2,909 SH   SOLE   0 0 2,909
ISHARES TR MSCI EAFE ETF 464287465 11,782 193,561 SH   SOLE   0 0 193,561
ISHARES TR RUS 1000 ETF 464287622 24,489 142,643 SH   SOLE   0 0 142,643
ISHARES TR RUSSELL 2000 ETF 464287655 1,407 9,826 SH   SOLE   0 0 9,826
ISHARES TR JPMORGAN USD EMG 464288281 14,585 133,535 SH   SOLE   0 0 133,535
ISHARES TR IBOXX HI YD ETF 464288513 4,779 58,553 SH   SOLE   0 0 58,553
ISHARES TR MBS ETF 464288588 2,175 19,650 SH   SOLE   0 0 19,650
ISHARES TR INTRM GOV CR ETF 464288612 6,686 56,796 SH   SOLE   0 0 56,796
ISHARES TR INTRM TR CRP ETF 464288638 1,301 21,553 SH   SOLE   0 0 21,553
ISHARES TR SH TR CRPORT ETF 464288646 3,812 69,681 SH   SOLE   0 0 69,681
ISHARES TR 10-20 YR TRS ETF 464288653 269 1,606 SH   SOLE   0 0 1,606
ISHARES TR 3 7 YR TREAS BD 464288661 2,624 19,628 SH   SOLE   0 0 19,628
ISHARES TR SHORT TREAS BD 464288679 3,099 27,982 SH   SOLE   0 0 27,982
ISHARES TR US TREAS BD ETF 46429B267 1,824 65,171 SH   SOLE   0 0 65,171
ISHARES TR CMBS ETF 46429B366 759 13,826 SH   SOLE   0 0 13,826
ISHARES TR FLTG RATE NT ETF 46429B655 2,220 43,881 SH   SOLE   0 0 43,881
ISHARES TR MSCI MIN VOL ETF 46429B697 339 5,593 SH   SOLE   0 0 5,593
ISHARES U S ETF TR SHT MAT BD ETF 46431W507 1,571 31,404 SH   SOLE   0 0 31,404
ISHARES TR USA MOMENTUM FCT 46432F396 426 3,252 SH   SOLE   0 0 3,252
ISHARES TR CORE MSCI EAFE 46432F842 937 16,401 SH   SOLE   0 0 16,401
ISHARES INC CORE MSCI EMKT 46434G103 411 8,642 SH   SOLE   0 0 8,642
ISHARES TR 0-5YR HI YL CP 46434V407 235 5,485 SH   SOLE   0 0 5,485
ISHARES TR CORE TOTAL USD 46434V613 1,126 20,725 SH   SOLE   0 0 20,725
JPMORGAN CHASE & CO COM 46625H100 653 6,940 SH   SOLE   0 0 6,940
J P MORGAN EXCHANGE-TRADED F ULTRA SHRT INC 46641Q837 4,291 84,587 SH   SOLE   0 0 84,587
J P MORGAN EXCHANGE-TRADED F HIGH YLD RESRCH 46641Q878 634 13,044 SH   SOLE   0 0 13,044
JOHNSON & JOHNSON COM 478160104 411 2,923 SH   SOLE   0 0 2,923
KELLOGG CO COM 487836108 346 5,236 SH   SOLE   0 0 5,236
KIMBERLY CLARK CORP COM 494368103 321 2,273 SH   SOLE   0 0 2,273
LAM RESEARCH CORP COM 512807108 488 1,508 SH   SOLE   0 0 1,508
LEIDOS HOLDINGS INC COM 525327102 263 2,808 SH   SOLE   0 0 2,808
LILLY ELI & CO COM 532457108 245 1,495 SH   SOLE   0 0 1,495
LOCKHEED MARTIN CORP COM 539830109 227 622 SH   SOLE   0 0 622
LOWES COS INC COM 548661107 228 1,689 SH   SOLE   0 0 1,689
MASTERCARD INCORPORATED CL A 57636Q104 528 1,787 SH   SOLE   0 0 1,787
MERCK & CO. INC COM 58933Y105 579 7,482 SH   SOLE   0 0 7,482
MICROSOFT CORP COM 594918104 2,258 11,096 SH   SOLE   0 0 11,096
MICROCHIP TECHNOLOGY INC. COM 595017104 291 2,767 SH   SOLE   0 0 2,767
MONDELEZ INTL INC CL A 609207105 317 6,192 SH   SOLE   0 0 6,192
MORGAN STANLEY COM NEW 617446448 285 5,907 SH   SOLE   0 0 5,907
NATIONAL GRID PLC SPONSORED ADR NE 636274409 394 6,491 SH   SOLE   0 0 6,491
NEXTERA ENERGY INC COM 65339F101 1,231 5,124 SH   SOLE   0 0 5,124
NORFOLK SOUTHERN CORP COM 655844108 395 2,251 SH   SOLE   0 0 2,251
PPL CORP COM 69351T106 321 12,406 SH   SOLE   0 0 12,406
PARKER HANNIFIN CORP COM 701094104 224 1,224 SH   SOLE   0 0 1,224
PAYPAL HLDGS INC COM 70450Y103 203 1,167 SH   SOLE   0 0 1,167
PEPSICO INC COM 713448108 723 5,466 SH   SOLE   0 0 5,466
PFIZER INC COM 717081103 604 18,477 SH   SOLE   0 0 18,477
PHILIP MORRIS INTL INC COM 718172109 653 9,317 SH   SOLE   0 0 9,317
PIMCO ETF TR 0-5 HIGH YIELD 72201R783 483 5,296 SH   SOLE   0 0 5,296
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 595 5,847 SH   SOLE   0 0 5,847
PIONEER NAT RES CO COM 723787107 205 2,094 SH   SOLE   0 0 2,094
PROLOGIS INC. COM 74340W103 252 2,704 SH   SOLE   0 0 2,704
REGENERON PHARMACEUTICALS COM 75886F107 248 398 SH   SOLE   0 0 398
SPDR GOLD TR GOLD SHS 78463V107 2,168 12,953 SH   SOLE   0 0 12,953
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 607 18,135 SH   SOLE   0 0 18,135
SPDR INDEX SHS FDS DJ INTL RL ETF 78463X863 208 7,208 SH   SOLE   0 0 7,208
SPDR INDEX SHS FDS S&P INTL SMLCP 78463X871 285 10,412 SH   SOLE   0 0 10,412
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 1,433 51,865 SH   SOLE   0 0 51,865
SPDR SER TR PORTFOLIO INTRMD 78464A375 552 15,107 SH   SOLE   0 0 15,107
SPDR SER TR BLOMBRG BRC EMRG 78464A391 223 8,491 SH   SOLE   0 0 8,491
SPDR SER TR DJ REIT ETF 78464A607 246 3,156 SH   SOLE   0 0 3,156
SPDR SER TR PORTFOLIO AGRGTE 78464A649 776 25,148 SH   SOLE   0 0 25,148
SPDR SER TR PORTFLI TIPS ETF 78464A656 334 11,075 SH   SOLE   0 0 11,075
SPDR SER TR PORTFOLIO LN TSR 78464A664 1,792 38,209 SH   SOLE   0 0 38,209
SPDR SER TR PORTFOLIO S&P400 78464A847 302 9,675 SH   SOLE   0 0 9,675
SPDR SER TR PORTFOLIO S&P500 78464A854 1,431 39,481 SH   SOLE   0 0 39,481
SSGA ACTIVE ETF TR BLKSTN GSOSRLN 78467V608 873 20,131 SH   SOLE   0 0 20,131
SSGA ACTIVE ETF TR SPDR TR TACTIC 78467V848 5,183 104,609 SH   SOLE   0 0 104,609
SPDR SER TR PORTFOLIO SH TSR 78468R101 2,844 92,576 SH   SOLE   0 0 92,576
SPDR SER TR BLOMBERG BRC INV 78468R200 3,789 124,303 SH   SOLE   0 0 124,303
SPDR SER TR BLOOMBERG BRCLYS 78468R622 890 8,798 SH   SOLE   0 0 8,798
SPDR SER TR SPDR BLOOMBERG 78468R663 2,523 27,563 SH   SOLE   0 0 27,563
SPDR SER TR PORTFOLIO S&P600 78468R853 265 9,972 SH   SOLE   0 0 9,972
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 1,042 10,415 SH   SOLE   0 0 10,415
SELECT SECTOR SPDR TR SBI INT-FINL 81369Y605 817 35,317 SH   SOLE   0 0 35,317
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 1,027 9,825 SH   SOLE   0 0 9,825
SOUTHERN CO COM 842587107 333 6,415 SH   SOLE   0 0 6,415
T-MOBILE US INC COM 872590104 367 3,528 SH   SOLE   0 0 3,528
THERMO FISHER SCIENTIFIC INC COM 883556102 280 773 SH   SOLE   0 0 773
UNILEVER PLC SPON ADR NEW 904767704 255 4,645 SH   SOLE   0 0 4,645
UNITED PARCEL SERVICE INC CL B 911312106 398 3,581 SH   SOLE   0 0 3,581
UNITEDHEALTH GROUP INC COM 91324P102 465 1,576 SH   SOLE   0 0 1,576
VANECK VECTORS ETF TR FALLEN ANGEL HG 92189F437 990 34,503 SH   SOLE   0 0 34,503
VANGUARD WORLD FD MEGA GRWTH IND 921910816 2,798 17,114 SH   SOLE   0 0 17,114
VANGUARD WORLD FD MEGA CAP VAL ETF 921910840 2,098 28,657 SH   SOLE   0 0 28,657
VANGUARD BD INDEX FDS LONG TERM BOND 921937793 3,415 30,586 SH   SOLE   0 0 30,586
VANGUARD BD INDEX FDS INTERMED TERM 921937819 2,079 22,306 SH   SOLE   0 0 22,306
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 6,751 81,219 SH   SOLE   0 0 81,219
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 530 6,003 SH   SOLE   0 0 6,003
VANGUARD TAX-MANAGED FDS FTSE DEV MKT ETF 921943858 6,343 163,532 SH   SOLE   0 0 163,532
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 309 6,159 SH   SOLE   0 0 6,159
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 5,641 97,710 SH   SOLE   0 0 97,710
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 2,021 51,026 SH   SOLE   0 0 51,026
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 346 4,183 SH   SOLE   0 0 4,183
VANGUARD SCOTTSDALE FDS MORTG-BACK SEC 92206C771 3,518 64,696 SH   SOLE   0 0 64,696
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 209 2,198 SH   SOLE   0 0 2,198
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 1,929 6,805 SH   SOLE   0 0 6,805
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 596 6,231 SH   SOLE   0 0 6,231
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 728 4,411 SH   SOLE   0 0 4,411
VANGUARD INDEX FDS SML CP GRW ETF 922908595 442 2,213 SH   SOLE   0 0 2,213
VANGUARD INDEX FDS SM CP VAL ETF 922908611 764 7,150 SH   SOLE   0 0 7,150
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 372 3,147 SH   SOLE   0 0 3,147
VANGUARD INDEX FDS GROWTH ETF 922908736 6,499 32,159 SH   SOLE   0 0 32,159
VANGUARD INDEX FDS VALUE ETF 922908744 5,240 52,615 SH   SOLE   0 0 52,615
VANGUARD INDEX FDS SMALL CP ETF 922908751 1,713 11,757 SH   SOLE   0 0 11,757
VERIZON COMMUNICATIONS INC COM 92343V104 922 16,730 SH   SOLE   0 0 16,730
VISA INC COM CL A 92826C839 555 2,873 SH   SOLE   0 0 2,873
VODAFONE GROUP PLC NEW SPONSORED ADR 92857W308 290 18,205 SH   SOLE   0 0 18,205
WALMART INC COM 931142103 307 2,563 SH   SOLE   0 0 2,563
WASTE MGMT INC DEL COM 94106L109 299 2,828 SH   SOLE   0 0 2,828
ZEBRA TECHNOLOGIES CORPORATI CL A 989207105 398 1,555 SH   SOLE   0 0 1,555