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 COMPANY COM 88579Y101 544 2,621 SH   SOLE NONE 2,621 0 0
ABB LTD SPONSORED ADR SPONSORED ADR 000375204 353 18,713 SH   SOLE NONE 18,713 0 0
ABBOTT LABORATORIES COM 002824100 260 3,262 SH   SOLE NONE 3,262 0 0
ABBVIE INC COM USD0.01 COM 00287Y109 295 3,666 SH   SOLE NONE 3,666 0 0
ADOBE INC COM COM 00724F101 483 1,815 SH   SOLE NONE 1,815 0 0
AEGON N V NY REGISTRY SHS NY REGISTRY SHS 007924103 131 27,363 SH   SOLE NONE 27,363 0 0
ALIBABA GROUP HOLDING LTD SPON ADS EACH REP ONE ORD SHS SPONSORED ADS 01609W102 366 2,011 SH   SOLE NONE 2,011 0 0
ALIGN TECHNOLOGY INC COM USD0.0001 COM 016255101 284 1,002 SH   SOLE NONE 1,002 0 0
ALLEGION PLC COM USD0.01 ORD SHS G0176J109 215 2,375 SH   SOLE NONE 2,375 0 0
ALPHABET INC CAP STK CL A CAP STK CL A 02079K305 1,662 1,413 SH   SOLE NONE 1,413 0 0
ALPHABET INC CAP STK CL C CAP STK CL C 02079K107 322 275 SH   SOLE NONE 275 0 0
ALTRIA GROUP INC COM 02209S103 808 14,069 SH   SOLE NONE 14,069 0 0
AMAZON.COM INC COM 023135106 2,382 1,338 SH   SOLE NONE 1,338 0 0
AMERICAN ELEC PWR CO INC COM COM 025537101 1,969 23,511 SH   SOLE NONE 23,511 0 0
AMERICAN EXPRESS CO COM USD0.20 COM 025816109 290 2,654 SH   SOLE NONE 2,654 0 0
AMERICAN TOWER CORP COM USD0.01 COM 03027X100 438 2,227 SH   SOLE NONE 2,227 0 0
AMGEN INC COM 031162100 840 4,423 SH   SOLE NONE 4,423 0 0
APPLE INC COM USD0.00001 COM 037833100 4,904 25,817 SH   SOLE NONE 25,817 0 0
APPLIED MATERIALS INC COM USD0.01 COM 038222105 250 6,308 SH   SOLE NONE 6,308 0 0
ASTRAZENECA ADR EACH REP 1 ORD USD0.25 MGT SPONSORED ADR 046353108 1,726 42,712 SH   SOLE NONE 42,712 0 0
AT&T INC COM USD1 COM 00206R102 886 28,258 SH   SOLE NONE 28,258 0 0
AUTOMATIC DATA PROCESSING INC COM USD0.10 COM 053015103 271 1,697 SH   SOLE NONE 1,697 0 0
BANCO BRADESCO SA SP ADR PFD NEW ISIN # US0594603039 SEDOL # B00FSK0 SP ADR PFD NEW 059460303 117 10,726 SH   SOLE NONE 10,726 0 0
BANK OF AMERICA CORP COM 060505104 1,157 41,968 SH   SOLE NONE 41,968 0 0
BANK OF MONTREAL COM NPV ISIN #CA0636711016 SEDOL #2076009 COM 063671101 247 3,313 SH   SOLE NONE 3,313 0 0
BANK OF NOVA SCOTIA COM NPV ISIN #CA0641491075 SEDOL #2076281 COM 064149107 362 6,798 SH   SOLE NONE 6,798 0 0
BB&T CORP COM USD5.00 COM 054937107 392 8,433 SH   SOLE NONE 8,433 0 0
BCE INC COM NEW ISIN #CA05534B7604 SEDOL #B188TH2 COM NEW 05534B760 268 6,044 SH   SOLE NONE 6,044 0 0
BERKSHIRE HATHAWAY INC DEL CL A FRMLY COMMON CL A 084670108 301 1 SH   SOLE NONE 1 0 0
BHP GROUP LTD SPON ADS EACH REP 2 ORD SHS SPONSORED ADS 088606108 504 9,237 SH   SOLE NONE 9,237 0 0
BLACKROCK INC COM USD0.01 COM 09247X101 220 515 SH   SOLE NONE 515 0 0
BOEING CO COM USD5.00 COM 097023105 853 2,237 SH   SOLE NONE 2,237 0 0
BRISTOL-MYERS SQUIBB CO COM USD0.10 COM 110122108 412 8,643 SH   SOLE NONE 8,643 0 0
BROADCOM INC COM COM 11135F101 295 983 SH   SOLE NONE 983 0 0
CANADIAN NATURAL RESOURCES LTD COM NPV ISIN #CA1363851017 SEDOL #2171573 COM 136385101 396 14,402 SH   SOLE NONE 14,402 0 0
CARNIVAL CORP PAIRED CTF UNIT 99/99/9999 143658300 538 10,623 SH   SOLE NONE 10,623 0 0
CEMEX SAB DE CV SPON ADR NEW SPON ADR NEW 151290889 56 12,115 SH   SOLE NONE 12,115 0 0
CH ROBINSON WORLDWIDE INC COM USD0.10 COM NEW 12541W209 289 3,331 SH   SOLE NONE 3,331 0 0
CHEMOURS CO COM COM 163851108 1,216 32,735 SH   SOLE NONE 32,735 0 0
CHEVRON CORP NEW COM COM 166764100 677 5,502 SH   SOLE NONE 5,502 0 0
CHINA TELECOM CORPORATION SPONS ADR EACH REPR 100 H COM CNY1 SPON ADR H SHS 169426103 214 3,821 SH   SOLE NONE 3,821 0 0
CHUBB LIMITED COM NPV ISIN #CH0044328745 COM H1467J104 386 2,759 SH   SOLE NONE 2,759 0 0
CISCO SYS INC COM COM 17275R102 2,091 38,737 SH   SOLE NONE 38,737 0 0
CITIGROUP INC COM NEW COM NEW 172967424 487 7,833 SH   SOLE NONE 7,833 0 0
CME GROUP INC COM CL A COM CL A 12572Q105 1,329 8,081 SH   SOLE NONE 8,081 0 0
COCA COLA CO COM 191216100 1,244 26,549 SH   SOLE NONE 26,549 0 0
COCA-COLA EUROPEAN PARTNERS PLC COM EUR0.01 SHS G25839104 503 9,734 SH   SOLE NONE 9,734 0 0
COLGATE-PALMOLIVE CO COM USD1.00 COM 194162103 316 4,611 SH   SOLE NONE 4,611 0 0
COMCAST CORP NEW CL A CL A 20030N101 291 7,291 SH   SOLE NONE 7,291 0 0
CONOCOPHILLIPS COM COM 20825C104 534 8,009 SH   SOLE NONE 8,009 0 0
COSTCO WHOLESALE CORP COM USD0.01 COM 22160K105 343 1,419 SH   SOLE NONE 1,419 0 0
CROWN CASTLE INTL CORP NEW COM ISIN #US22822V1017 SEDOL #BTGQCX1 COM 22822V101 619 4,841 SH   SOLE NONE 4,841 0 0
DARDEN RESTAURANTS COM 237194105 272 2,245 SH   SOLE NONE 2,245 0 0
DIAGEO ADR EACH REPR 4 ORD GBX28.935185 SPON ADR NEW 25243Q205 367 2,245 SH   SOLE NONE 2,245 0 0
DIGITAL RLTY TR INC COM COM 253868103 947 7,965 SH   SOLE NONE 7,965 0 0
DISNEY WALT CO COM DISNEY 254687106 635 5,725 SH   SOLE NONE 5,725 0 0
DOMINION ENERGY INC COM COM 25746U109 588 7,675 SH   SOLE NONE 7,675 0 0
DOVER CORP COM USD1.00 COM 260003108 245 2,616 SH   SOLE NONE 2,616 0 0
DOWDUPONT INC COM COM 26078J100 10,690 200,530 SH   SOLE NONE 200,530 0 0
DUKE ENERGY CORP NEW COM NEW ISIN #US26441C2044 SEDOL #B7JZSK0 COM NEW 26441C204 500 5,565 SH   SOLE NONE 5,565 0 0
ELI LILLY AND COMPANY COM NPV COM 532457108 338 2,607 SH   SOLE NONE 2,607 0 0
EMERSON ELECTRIC CO COM 291011104 736 10,756 SH   SOLE NONE 10,756 0 0
ENTERPRISE PRODS PARTNERS L P COM COM 293792107 218 7,505 SH   SOLE NONE 7,505 0 0
ESTEE LAUDER COMPANIES INC COM USD0.01 CLASS A CL A 518439104 328 1,982 SH   SOLE NONE 1,982 0 0
EXELON CORP COM NPV COM 30161N101 1,249 24,917 SH   SOLE NONE 24,917 0 0
EXXON MOBIL CORP COM 30231G102 1,872 23,174 SH   SOLE NONE 23,174 0 0
FACEBOOK INC-CLASS A CL A 30303M102 824 4,944 SH   SOLE NONE 4,944 0 0
FEDEX CORP COM USD0.10 COM 31428X106 435 2,400 SH   SOLE NONE 2,400 0 0
FIRST BANCORP P R COM NEW COM NEW 318672706 116 10,177 SH   SOLE NONE 10,177 0 0
FIRST TR EXCHANGE TRADED FD DOW JONES INTERNET INDEX FD DJ INTERNT IDX 33733E302 219 1,581 SH   SOLE NONE 1,581 0 0
FIRST TR EXCHANGE TRADED FD VI MULTI ASSET DIVERSIFIED INCOME INDEX FD MULTI ASSET DI 33738R100 201 10,981 SH   SOLE NONE 10,981 0 0
FIRST TRUST CLOUD COMPUTING ETF CLOUD COMPUTING 33734X192 207 3,598 SH   SOLE NONE 3,598 0 0
FORD MTR CO DEL COM COM 345370860 278 31,733 SH   SOLE NONE 31,733 0 0
GENERAL DYNAMICS CORP COM USD1.00 COM 369550108 427 2,524 SH   SOLE NONE 2,524 0 0
GENERAL ELECTRIC CO COM USD0.06 COM 369604103 363 36,353 SH   SOLE NONE 36,353 0 0
GOLDMAN SACHS GROUP INC COM USD0.01 COM 38141G104 211 1,104 SH   SOLE NONE 1,104 0 0
GW PHARMACEUTICALS PLC ADS ADS 36197T103 241 1,435 SH   SOLE NONE 1,435 0 0
HOME DEPOT INC COM COM 437076102 337 1,760 SH   SOLE NONE 1,760 0 0
HONEYWELL INTERNATIONAL INC COM USD1 COM 438516106 332 2,093 SH   SOLE NONE 2,093 0 0
HSBC HLDGS PLC SPON ADR NEW SPON ADR NEW 404280406 550 13,577 SH   SOLE NONE 13,577 0 0
INCYTE CORP COM COM 45337C102 231 2,692 SH   SOLE NONE 2,692 0 0
ING GROEP N.V. SPONS ADR-EACH REPR 1 ORD EUR0.24 SPONSORED ADR 456837103 142 11,697 SH   SOLE NONE 11,697 0 0
INTEL CORP COM USD0.001 COM 458140100 1,552 28,910 SH   SOLE NONE 28,910 0 0
INTERCONTINENTAL EXCHANGE INC COM USD0.01 COM 45866F104 238 3,134 SH   SOLE NONE 3,134 0 0
INTERNATIONAL BUS MACH CORP COM USD0.20 COM 459200101 339 2,404 SH   SOLE NONE 2,404 0 0
INVESCO EXCHANGE TRADED FD TR INTL DIVI ACHI INTL DIVI ACHI 46137V548 1,450 91,312 SH   SOLE NONE 91,312 0 0
INVESCO EXCHANGE TRADED FD TR S&P 500 TOP 50 S&P 500 TOP 50 46137V233 385 1,900 SH   SOLE NONE 1,900 0 0
INVESCO QQQ TR UNIT SER 1 UNIT SER 1 46090E103 1,922 10,703 SH   SOLE NONE 10,703 0 0
ISHARES CORE GROWTH ALLOCATION ETF GRWT ALLOCAT ETF 464289867 322 7,225 SH   SOLE NONE 7,225 0 0
ISHARES CORE S&P 500 ETF CORE S&P500 ETF 464287200 1,092 3,839 SH   SOLE NONE 3,839 0 0
ISHARES CORE S&P SMALL-CAP E CORE S&P SCP ETF 464287804 6,996 90,686 SH   SOLE NONE 90,686 0 0
ISHARES EDGE MSCI MIN VOL EAFE ETF MIN VOL EAFE ETF 46429B689 258 3,585 SH   SOLE NONE 3,585 0 0
ISHARES EDGE MSCI MIN VOL EMERGING MARKETS ETF MIN VOL EMRG MKT 464286533 359 6,070 SH   SOLE NONE 6,070 0 0
ISHARES EDGE MSCI MIN VOL USA ETF MIN VOL USA ETF 46429B697 2,956 50,287 SH   SOLE NONE 50,287 0 0
ISHARES GOLD TRUST ISHARES ISIN #US4642851053 SEDOL #B0SF3S5 ISHARES 464285105 14,104 1,139,291 SH   SOLE NONE 1,139,291 0 0
ISHARES IBONDS DEC 2019 TERM CORPORATE ETF IBONDS DEC19 ETF 46434VAU4 13,267 533,695 SH   SOLE NONE 533,695 0 0
ISHARES IBONDS DEC 2020 TERM CORPORATE ETF IBONDS DEC20 ETF 46434VAQ3 13,337 528,536 SH   SOLE NONE 528,536 0 0
ISHARES IBONDS DEC 2021 TERM CORPORATE ETF IBONDS DEC21 ETF 46434VBK5 13,433 543,412 SH   SOLE NONE 543,412 0 0
ISHARES IBONDS SEP 2020 TERM MUNI BOND ETF IBONDS SEP2020 46434V571 313 12,282 SH   SOLE NONE 12,282 0 0
ISHARES INC CORE MSCI EMERGING MKTS ETF CORE MSCI EMKT 46434G103 20,689 400,100 SH   SOLE NONE 400,100 0 0
ISHARES INC EM HGHYL BD ETF EM HGHYL BD ETF 464286285 258 5,533 SH   SOLE NONE 5,533 0 0
ISHARES INC EM MKTS DIV ETF EM MKTS DIV ETF 464286319 1,314 32,702 SH   SOLE NONE 32,702 0 0
ISHARES NATIONAL MUNI BOND ETF NATIONAL MUN ETF 464288414 4,697 42,249 SH   SOLE NONE 42,249 0 0
ISHARES RUSSELL 1000 GROWTH ETF RUS 1000 GRW ETF 464287614 269 1,781 SH   SOLE NONE 1,781 0 0
ISHARES S&P 500 GROWTH ETF S&P 500 GRWT ETF 464287309 766 4,448 SH   SOLE NONE 4,448 0 0
ISHARES S&P MID CAP 400 GROWTH ETF S&P MC 400GR ETF 464287606 851 3,885 SH   SOLE NONE 3,885 0 0
ISHARES SELECT DIVIDEND ETF SELECT DIVID ETF 464287168 291 2,965 SH   SOLE NONE 2,965 0 0
ISHARES SHORT-TERM NATIONAL MUNI BOND ETF SHRT NAT MUN ETF 464288158 3,548 33,478 SH   SOLE NONE 33,478 0 0
ISHARES TR CORE MSCI TOTAL CORE MSCI TOTAL 46432F834 1,476 25,427 SH   SOLE NONE 25,427 0 0
ISHARES TR INTL SEL DIV ETF INTL SEL DIV ETF 464288448 2,762 89,522 SH   SOLE NONE 89,522 0 0
ISHARES TR JP MOR EM MK ETF JPMORGAN USD EMG 464288281 6,541 59,433 SH   SOLE NONE 59,433 0 0
ISHARES TR NASDAQ BIOTECH NASDAQ BIOTECH 464287556 849 7,595 SH   SOLE NONE 7,595 0 0
ISHARES TREASURY FLOATING RA TRS FLT RT BD 46434V860 21,397 424,887 SH   SOLE NONE 424,887 0 0
ISHARES TRUST 0-5YR HIGH YIELD CORP BD ISIN #US46434V4077 SEDOL #BFS2LL0 0-5YR HI YL CP 46434V407 3,580 76,648 SH   SOLE NONE 76,648 0 0
ISHARES TRUST CORE MSCI EAFE ETF CORE MSCI EAFE 46432F842 254 4,182 SH   SOLE NONE 4,182 0 0
ISHARES TRUST CORE MSCI EUROPE CORE MSCI EURO 46434V738 20,167 439,676 SH   SOLE NONE 439,676 0 0
ISHARES TRUST ISHARES CORE MSCI CORE MSCI PAC 46434V696 22,873 411,165 SH   SOLE NONE 411,165 0 0
ISHARES US ETF TR BLOOMBERG ROLL BLOOMBERG ROLL 46431W598 8,270 179,612 SH   SOLE NONE 179,612 0 0
JOHNSON &JOHNSON COM USD1.00 COM 478160104 1,113 7,968 SH   SOLE NONE 7,968 0 0
JPMORGAN CHASE &CO. COM USD1.00 COM 46625H100 2,701 26,682 SH   SOLE NONE 26,682 0 0
KIMBERLY CLARK CORP COM USD1.25 COM 494368103 479 3,872 SH   SOLE NONE 3,872 0 0
KINDER MORGAN INC COM USD0.01 COM 49456B101 258 12,914 SH   SOLE NONE 12,914 0 0
LOCKHEED MARTIN CORP COM USD1.00 COM 539830109 1,307 4,357 SH   SOLE NONE 4,357 0 0
MASTERCARD INC CL A CL A 57636Q104 285 1,213 SH   SOLE NONE 1,213 0 0
MCDONALDS CORP COM 580135101 2,069 10,898 SH   SOLE NONE 10,898 0 0
MERCK & CO INC NEW COM COM 58933Y105 1,449 17,433 SH   SOLE NONE 17,433 0 0
METLIFE INC COM USD0.01 COM 59156R108 295 6,941 SH   SOLE NONE 6,941 0 0
MICROSOFT CORP COM 594918104 2,432 20,626 SH   SOLE NONE 20,626 0 0
MITSUBISHI UFJ FINANCIAL GROUP INC SPON ADS EACH REP 1 ORD SHS SPONSORED ADS 606822104 127 25,816 SH   SOLE NONE 25,816 0 0
MIZUHO FINL GROUP INC SPONSORED ADR SPONSORED ADR 60687Y109 214 70,190 SH   SOLE NONE 70,190 0 0
NETFLIX COM INC COM COM 64110L106 512 1,438 SH   SOLE NONE 1,438 0 0
NEXTERA ENERGY INC COM USD0.01 COM 65339F101 839 4,343 SH   SOLE NONE 4,343 0 0
NOVARTIS A G SPONSORED ADR SPONSORED ADR 66987V109 372 3,873 SH   SOLE NONE 3,873 0 0
NOVO-NORDISK A S ADR ADR 670100205 277 5,309 SH   SOLE NONE 5,309 0 0
NVIDIA CORP COM 67066G104 292 1,629 SH   SOLE NONE 1,629 0 0
OCCIDENTAL PETE CORP COM COM 674599105 319 4,825 SH   SOLE NONE 4,825 0 0
ORANGE-SPON ADR SPONSORED ADR 684060106 251 15,406 SH   SOLE NONE 15,406 0 0
PACCAR INC COM USD1.00 COM 693718108 566 8,315 SH   SOLE NONE 8,315 0 0
PAYPAL HLDGS INC COM COM 70450Y103 286 2,755 SH   SOLE NONE 2,755 0 0
PEPSICO INC COM 713448108 1,422 11,609 SH   SOLE NONE 11,609 0 0
PFIZER INC COM 717081103 1,987 46,790 SH   SOLE NONE 46,790 0 0
PHILIP MORRIS INTERNATIONAL INC COM NPV COM 718172109 272 3,080 SH   SOLE NONE 3,080 0 0
PHILLIPS 66 COM COM 718546104 454 4,772 SH   SOLE NONE 4,772 0 0
PNC FINANCIAL SERVICES GROUP COM USD5 COM 693475105 291 2,375 SH   SOLE NONE 2,375 0 0
PROCTER AND GAMBLE CO COM COM 742718109 927 8,911 SH   SOLE NONE 8,911 0 0
PRUDENTIAL ADR EACH REPR 2 ORD GBP0.05 ADR 74435K204 364 9,067 SH   SOLE NONE 9,067 0 0
PUBLIC SVC ENTERPRISE GRP INC COM COM 744573106 369 6,220 SH   SOLE NONE 6,220 0 0
RAYTHEON CO COM NEW COM NEW 755111507 593 3,258 SH   SOLE NONE 3,258 0 0
RIO TINTO ADR EACH REP 1 ORD SPONSORED ADR 767204100 353 6,000 SH   SOLE NONE 6,000 0 0
ROCKWELL AUTOMATION INC COM 773903109 289 1,651 SH   SOLE NONE 1,651 0 0
ROYAL DUTCH SHELL PLC SPON ADR B SPON ADR B 780259107 1,560 24,407 SH   SOLE NONE 24,407 0 0
SALESFORCE.COM INC COM USD0.001 COM 79466L302 352 2,227 SH   SOLE NONE 2,227 0 0
SANOFI SPONSORED ADR SPONSORED ADR 80105N105 461 10,427 SH   SOLE NONE 10,427 0 0
SAP SE SPON ADR SPON ADR 803054204 218 1,895 SH   SOLE NONE 1,895 0 0
SCHWAB STRATEGIC TR EMERGING MKTS EQUITY ETF EMRG MKTEQ ETF 808524706 227 8,758 SH   SOLE NONE 8,758 0 0
SCHWAB STRATEGIC TR INTL SCEQT ETF INTL SCEQT ETF 808524888 4,396 136,320 SH   SOLE NONE 136,320 0 0
SCHWAB STRATEGIC TR SHORT-TERM US TREASURY ETF SHT TM US TRES 808524862 27,599 549,906 SH   SOLE NONE 549,906 0 0
SECTOR SPDR TR SHS BEN INT INDUSTRIAL SBI INT-INDS 81369Y704 217 2,894 SH   SOLE NONE 2,894 0 0
SELECT SECTOR SPDR TR CONSUMER DISCRETIONARY FORMERLY CYCLICAL/ TRANSN TO 06/24/2002 SBI CONS DISCR 81369Y407 2,607 22,907 SH   SOLE NONE 22,907 0 0
SELECT SECTOR SPDR TR ENERGY ENERGY 81369Y506 1,025 15,516 SH   SOLE NONE 15,516 0 0
SELECT SECTOR SPDR TR HEALTH CARE FORMERLY CONSUMER SVCS TO 06/24/2002 SBI HEALTHCARE 81369Y209 20,118 219,275 SH   SOLE NONE 219,275 0 0
SELECT SECTOR SPDR TR SHS BEN INT MATERIALS SBI MATERIALS 81369Y100 209 3,773 SH   SOLE NONE 3,773 0 0
SELECT SECTOR SPDR TRUST AMEX FINANCIAL SELECT INDEX USD DIS SBI INT-FINL 81369Y605 18,725 728,349 SH   SOLE NONE 728,349 0 0
SIMON PPTY GRP INC COM 828806109 503 2,761 SH   SOLE NONE 2,761 0 0
SK TELECOM LTD SPONSORED ADR SPONSORED ADR 78440P108 278 11,376 SH   SOLE NONE 11,376 0 0
SPDR INDEX SHS FDS S&P INTL DIVIDEND ETF S&P INTL ETF 78463X772 556 14,639 SH   SOLE NONE 14,639 0 0
SPDR INDEX SHS FDS SOLACTIVE CANADA SOLACTIVE CANADA 78463X376 415 7,220 SH   SOLE NONE 7,220 0 0
SPDR INDEX SHS FDS SPDR S&P EMERGING MKTS DIVIDEND ETF S&P EM MKT DIV 78463X533 367 11,626 SH   SOLE NONE 11,626 0 0
SPDR S&P500 ETF TRUST S&P 500 ETF USD DIS TR UNIT 78462F103 2,417 8,559 SH   SOLE NONE 8,559 0 0
SPDR SER TR NUVEEN BLMBRG SR NUVEEN BLMBRG SR 78468R739 325 6,709 SH   SOLE NONE 6,709 0 0
SPDR SER TR S&P DIVID ETF S&P DIVID ETF 78464A763 1,317 13,251 SH   SOLE NONE 13,251 0 0
SPDR SERIES TRUST NUVEEN S&P HIGH YLD MUN B ETF NUV HGHYLD MUN 78464A284 392 6,824 SH   SOLE NONE 6,824 0 0
STARBUCKS CORP COM USD0.001 COM 855244109 306 4,125 SH   SOLE NONE 4,125 0 0
SUMITOMO MITSUI FINL GROUP INC SPONSORED ADR SPONSORED ADR 86562M209 305 43,515 SH   SOLE NONE 43,515 0 0
SUNCOR ENERGY COM NPV NEW ISIN #CA8672241079 SEDOL #B3NB1P2 COM 867224107 292 9,028 SH   SOLE NONE 9,028 0 0
SYSCO CORP COM 871829107 366 5,496 SH   SOLE NONE 5,496 0 0
TARGET CORP COM COM 87612E106 431 5,378 SH   SOLE NONE 5,378 0 0
TEXAS INSTRUMENTS INC COM USD1.00 COM 882508104 413 3,902 SH   SOLE NONE 3,902 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102 484 1,769 SH   SOLE NONE 1,769 0 0
THOMSON-REUTERS CORP COM NPV(POST REV SPLIT) ISIN #CA8849037095 SEDOL #BFXPTB0 COM NEW 884903709 348 5,883 SH   SOLE NONE 5,883 0 0
TORONTO-DOMINION BANK COM NPV ISIN #CA8911605092 SEDOL #2897222 COM NEW 891160509 1,679 30,913 SH   SOLE NONE 30,913 0 0
TOTAL SA SPON ADS EA REP 1 ORD SHS SPONSORED ADS 89151E109 302 5,435 SH   SOLE NONE 5,435 0 0
UNILEVER NV EUR0.16(NEW YORK SHARES) N Y SHS NEW 904784709 303 5,208 SH   SOLE NONE 5,208 0 0
UNION PACIFIC CORP COM COM 907818108 777 4,648 SH   SOLE NONE 4,648 0 0
UNITED TECHNOLOGIES CORP COM USD1 COM 913017109 685 5,319 SH   SOLE NONE 5,319 0 0
UNITEDHEALTH GROUP COM 91324P102 554 2,244 SH   SOLE NONE 2,244 0 0
US BANCORP DEL COM NEW COM NEW 902973304 332 6,902 SH   SOLE NONE 6,902 0 0
V F CORP COM 918204108 200 2,303 SH   SOLE NONE 2,303 0 0
VALE S.A. SPONS ADS REPR 1 COM NPV SPONSORED ADS 91912E105 193 14,841 SH   SOLE NONE 14,841 0 0
VANECK VECTORS ETF TR AMT FREE INT ETF AMT FREE INT ETF 92189H201 4,446 91,122 SH   SOLE NONE 91,122 0 0
VANECK VECTORS ETF TR HIGH YLD MUN ETF HIGH YLD MUN ETF 92189H409 326 5,209 SH   SOLE NONE 5,209 0 0
VANECK VECTORS ETF TR SHORT HIGH YIELD SHORT HIGH YIELD 92189F387 5,228 211,681 SH   SOLE NONE 211,681 0 0
VANGUARD INDEX FDS VANGUARD GROWTH ETF FORMERLY VANGUARD INDEX TR VIPERS GROWTH ETF 922908736 550 3,522 SH   SOLE NONE 3,522 0 0
VANGUARD INDEX FDS VANGUARD SMALL CAP VALUE VIPERS FORMERLY VANGUARD INDEX TR SM CP VAL ETF 922908611 681 5,292 SH   SOLE NONE 5,292 0 0
VANGUARD INTL EQUITY INDEX FDS FTSE PAC ETF FTSE PACIFIC ETF 922042866 275 4,187 SH   SOLE NONE 4,187 0 0
VANGUARD INTL EQUITY INDEX FUND INC FTSE EMERGING MARKETS ETF FTSE EMR MKT ETF 922042858 1,203 28,316 SH   SOLE NONE 28,316 0 0
VANGUARD MUN BD FD INC TAX EXEMPT BD TAX EXEMPT BD 922907746 235 4,508 SH   SOLE NONE 4,508 0 0
VANGUARD SECTOR INDEX FDS VANGUARD CONSUMER DISCRETIONARY VIPERS CONSUM DIS ETF 92204A108 9,635 55,888 SH   SOLE NONE 55,888 0 0
VANGUARD SECTOR INDEX FDS VANGUARD ENERGY VIPERS ENERGY ETF 92204A306 6,413 71,753 SH   SOLE NONE 71,753 0 0
VANGUARD SECTOR INDEX FDS VANGUARD FINLS VIPERS FINANCIALS ETF 92204A405 2,883 44,674 SH   SOLE NONE 44,674 0 0
VANGUARD SECTOR INDEX FDS VANGUARD HEALTH CARE VIPERS HEALTH CAR ETF 92204A504 334 1,940 SH   SOLE NONE 1,940 0 0
VANGUARD SECTOR INDEX FDS VANGUARD INDLS VIPERS INDUSTRIAL ETF 92204A603 17,495 125,058 SH   SOLE NONE 125,058 0 0
VANGUARD SECTOR INDEX FDS VANGUARD MATLS VIPERS MATERIALS ETF 92204A801 4,674 37,972 SH   SOLE NONE 37,972 0 0
VANGUARD SECTOR INDEX FDS VANGUARD UTILS VIPERS UTILITIES ETF 92204A876 3,310 25,540 SH   SOLE NONE 25,540 0 0
VANGUARD STAR FD VANGUARD TOTAL INTL STOCK INDEX FD ETF SHS VG TL INTL STK F 921909768 863 16,630 SH   SOLE NONE 16,630 0 0
VANGUARD WHITEHALL FDS HIGH DIVIDEND YIELD ETF SHS HIGH DIV YLD 921946406 878 10,257 SH   SOLE NONE 10,257 0 0
VANGUARD WORLD FDS COMM SRVC ETF COMM SRVC ETF 92204A884 10,086 120,771 SH   SOLE NONE 120,771 0 0
VANGUARD WORLD FDS VANGUARD CONSUMER STAPLES ETF CONSUM STP ETF 92204A207 514 3,540 SH   SOLE NONE 3,540 0 0
VANGUARD WORLD FDS VANGUARD INFORMATION TECHNOLOGY ETF INF TECH ETF 92204A702 34,951 174,209 SH   SOLE NONE 174,209 0 0
VENTAS INC COM 92276F100 262 4,108 SH   SOLE NONE 4,108 0 0
VERIZON COMMUNICATIONS COM 92343V104 2,606 44,078 SH   SOLE NONE 44,078 0 0
VISA INC COM CL A COM CL A 92826C839 721 4,621 SH   SOLE NONE 4,621 0 0
WALMART INC COM COM 931142103 455 4,674 SH   SOLE NONE 4,674 0 0
WISDOMTREE TR EMERGING MKTS HIGH DIVID FD EMER MKT HIGH FD 97717W315 637 14,547 SH   SOLE NONE 14,547 0 0
ZOETIS INC COM USD0.01 CL A CL A 98978V103 410 4,075 SH   SOLE NONE 4,075 0 0