Courier Capital 13F-HR Quarterly holdings report by institutional manager

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

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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
ISHARES TR	CORE S&P MCP ETF	464287507	12,740	71,788	SH		SOLE	0	0	0	71,788
ISHARES TR	S&P MC 400VL ETF	464287705	8,390	63,611	SH		SOLE	0	0	0	63,611
ISHARES TR	S&P MC 400GR ETF	464287606	14,622	64,957	SH		SOLE	0	0	0	64,957
ISHARES TR	CORE S&P SCP ETF	464287804	4,627	68,356	SH		SOLE	0	0	0	68,356
ISHARES TR	SP SMCP600VL ETF	464287879	735	6,196	SH		SOLE	0	0	0	6,196
ISHARES TR	S&P SML 600 GWT	464287887	1,018	6,017	SH		SOLE	0	0	0	6,017
ISHARES TR	S&P 500 VAL ETF	464287408	35,610	327,692	SH		SOLE	0	0	0	327,692
ISHARES TR	CORE S&P500 ETF	464287200	52,915	168,814	SH		SOLE	0	0	0	168,814
ISHARES TR	S&P 500 GRWT ETF	464287309	77,198	366,546	SH		SOLE	0	0	0	366,546
ISHARES TR	RUS 1000 ETF	464287622	467	2,691	SH		SOLE	0	0	0	2,691
ISHARES TR	RUS 1000 VAL ETF	464287598	596	5,271	SH		SOLE	0	0	0	5,271
ISHARES TR	RUS 1000 GRW ETF	464287614	1,006	5,146	SH		SOLE	0	0	0	5,146
ISHARES TR	RUSSELL 2000 ETF	464287655	9,839	69,094	SH		SOLE	0	0	0	69,094
ISHARES TR	RUS 2000 VAL ETF	464287630	14,005	146,208	SH		SOLE	0	0	0	146,208
ISHARES TR	U.S. REAL ES ETF	464287739	4,544	56,569	SH		SOLE	0	0	0	56,569
SPDR S&P MIDCAP 400 ETF TR	UTSER1 S&PDCRP	78467Y107	2,082	6,429	SH		SOLE	0	0	0	6,429
SPDR S&P 500 ETF TR	TR UNIT	78462F103	8,464	27,107	SH		SOLE	0	0	0	27,107
SELECT SECTOR SPDR TR	SBI INT-UTILS	81369Y886	461	7,960	SH		SOLE	0	0	0	7,960
ADOBE INC	COM	00724F101	555	1,252	SH		SOLE	0	0	0	1,252
AMERICAN INTL GROUP INC	COM NEW	026874784	385	12,861	SH		SOLE	0	0	0	12,861
AMAZON COM INC	COM	023135106	9,422	3,260	SH		SOLE	0	0	0	3,260
BRISTOL-MYERS SQUIBB CO	COM	110122108	2,352	39,769	SH		SOLE	0	0	0	39,769
BERKSHIRE HATHAWAY INC DEL	CL B NEW	084670702	1,295	7,244	SH		SOLE	0	0	0	7,244
EMERSON ELEC CO	COM	291011104	1,243	20,159	SH		SOLE	0	0	0	20,159
BOEING CO	COM	097023105	1,389	7,679	SH		SOLE	0	0	0	7,679
HERSHEY CO	COM	427866108	440	3,386	SH		SOLE	0	0	0	3,386
EVERSOURCE ENERGY	COM	30040W108	203	2,398	SH		SOLE	0	0	0	2,398
LIFE STORAGE INC	COM	53223X107	5,205	52,901	SH		SOLE	0	0	0	52,901
INVESCO QQQ TR	UNIT SER 1	46090E103	3,463	13,732	SH		SOLE	0	0	0	13,732
AMGEN INC	COM	031162100	11,003	42,606	SH		SOLE	0	0	0	42,606
ABBOTT LABS	COM	002824100	2,975	32,259	SH		SOLE	0	0	0	32,259
BEST BUY INC	COM	086516101	271	3,099	SH		SOLE	0	0	0	3,099
BP PLC	SPONSORED ADR	055622104	775	33,109	SH		SOLE	0	0	0	33,109
CONAGRA BRANDS INC	COM	205887102	273	7,700	SH		SOLE	0	0	0	7,700
FEDEX CORP	COM	31428X106	582	3,746	SH		SOLE	0	0	0	3,746
GLAXOSMITHKLINE PLC	SPONSORED ADR	37733W105	337	8,185	SH		SOLE	0	0	0	8,185
INTEL CORP	COM	458140100	13,082	221,247	SH		SOLE	0	0	0	221,247
ILLINOIS TOOL WKS INC	COM	452308109	271	1,553	SH		SOLE	0	0	0	1,553
ISHARES TR	RUS 2000 GRW ETF	464287648	9,991	48,067	SH		SOLE	0	0	0	48,067
ORACLE CORP	COM	68389X105	3,370	60,236	SH		SOLE	0	0	0	60,236
QUALCOMM INC	COM	747525103	301	3,277	SH		SOLE	0	0	0	3,277
DISNEY WALT CO	COM DISNEY	254687106	7,063	62,960	SH		SOLE	0	0	0	62,960
HONEYWELL INTL INC	COM	438516106	3,196	22,041	SH		SOLE	0	0	0	22,041
US BANCORP DEL	COM NEW	902973304	435	12,123	SH		SOLE	0	0	0	12,123
JOHNSON & JOHNSON	COM	478160104	12,447	88,298	SH		SOLE	0	0	0	88,298
MEDTRONIC PLC	SHS	G5960L103	3,357	36,036	SH		SOLE	0	0	0	36,036
PFIZER INC	COM	717081103	4,419	128,048	SH		SOLE	0	0	0	128,048
LOWES COS INC	COM	548661107	3,366	24,804	SH		SOLE	0	0	0	24,804
ISHARES TR	MSCI EAFE ETF	464287465	16,863	272,996	SH		SOLE	0	0	0	272,996
CHEVRON CORP NEW	COM	166764100	7,042	79,747	SH		SOLE	0	0	0	79,747
MICROSOFT CORP	COM	594918104	17,751	86,062	SH		SOLE	0	0	0	86,062
UNITED PARCEL SERVICE INC	CL B	911312106	2,687	23,500	SH		SOLE	0	0	0	23,500
AT&T INC	COM	00206R102	2,666	88,624	SH		SOLE	0	0	0	88,624
PRUDENTIAL FINL INC	COM	744320102	2,538	42,807	SH		SOLE	0	0	0	42,807
CITIGROUP INC	COM NEW	172967424	2,176	43,051	SH		SOLE	0	0	0	43,051
CISCO SYS INC	COM	17275R102	7,511	164,616	SH		SOLE	0	0	0	164,616
INTERNATIONAL BUSINESS MACHS	COM	459200101	3,193	26,673	SH		SOLE	0	0	0	26,673
COCA COLA CO	COM	191216100	1,373	30,587	SH		SOLE	0	0	0	30,587
LOCKHEED MARTIN CORP	COM	539830109	2,718	7,508	SH		SOLE	0	0	0	7,508
PEPSICO INC	COM	713448108	8,812	66,333	SH		SOLE	0	0	0	66,333
STRYKER CORPORATION	COM	863667101	216	1,174	SH		SOLE	0	0	0	1,174
VERIZON COMMUNICATIONS INC	COM	92343V104	2,684	48,993	SH		SOLE	0	0	0	48,993
SPDR SER TR	PRTFLO S&P500 GW	78464A409	11,185	245,348	SH		SOLE	0	0	0	245,348
ISHARES TR	RUS MID CAP ETF	464287499	1,672	30,984	SH		SOLE	0	0	0	30,984
ISHARES TR	RUS MD CP GR ETF	464287481	3,264	20,301	SH		SOLE	0	0	0	20,301
ISHARES TR	RUS MDCP VAL ETF	464287473	744	9,715	SH		SOLE	0	0	0	9,715
ISHARES TR	GLOBAL TECH ETF	464287291	2,981	12,540	SH		SOLE	0	0	0	12,540
ISHARES TR	U.S. TECH ETF	464287721	299	1,100	SH		SOLE	0	0	0	1,100
SELECT SECTOR SPDR TR	SBI INT-FINL	81369Y605	215	9,361	SH		SOLE	0	0	0	9,361
SELECT SECTOR SPDR TR	TECHNOLOGY	81369Y803	845	8,025	SH		SOLE	0	0	0	8,025
SELECT SECTOR SPDR TR	SBI HEALTHCARE	81369Y209	597	5,876	SH		SOLE	0	0	0	5,876
ISHARES TR	NASDAQ BIOTECH	464287556	1,248	9,009	SH		SOLE	0	0	0	9,009
BK OF AMERICA CORP	COM	060505104	3,512	150,774	SH		SOLE	0	0	0	150,774
AUTOMATIC DATA PROCESSING IN	COM	053015103	1,419	9,427	SH		SOLE	0	0	0	9,427
EXXON MOBIL CORP	COM	30231G102	3,770	85,516	SH		SOLE	0	0	0	85,516
WALMART INC	COM	931142103	825	6,920	SH		SOLE	0	0	0	6,920
APPLIED MATLS INC	COM	038222105	265	4,342	SH		SOLE	0	0	0	4,342
UNION PAC CORP	COM	907818108	731	4,326	SH		SOLE	0	0	0	4,326
UNILEVER PLC	SPON ADR NEW	904767704	4,139	74,343	SH		SOLE	0	0	0	74,343
ASTRAZENECA PLC	SPONSORED ADR	046353108	535	9,937	SH		SOLE	0	0	0	9,937
TEXAS INSTRS INC	COM	882508104	1,707	13,565	SH		SOLE	0	0	0	13,565
TOTAL S.A.	SPONSORED ADS	89151E109	464	11,898	SH		SOLE	0	0	0	11,898
TARGET CORP	COM	87612E106	646	5,423	SH		SOLE	0	0	0	5,423
COLGATE PALMOLIVE CO	COM	194162103	1,108	15,125	SH		SOLE	0	0	0	15,125
COSTCO WHSL CORP NEW	COM	22160K105	3,154	10,317	SH		SOLE	0	0	0	10,317
CVS HEALTH CORP	COM	126650100	4,151	64,163	SH		SOLE	0	0	0	64,163
DOMINION ENERGY INC	COM	25746U109	289	3,498	SH		SOLE	0	0	0	3,498
DIAGEO P L C	SPON ADR NEW	25243Q205	2,577	18,782	SH		SOLE	0	0	0	18,782
QUEST DIAGNOSTICS INC	COM	74834L100	483	4,162	SH		SOLE	0	0	0	4,162
SCHLUMBERGER LTD	COM	806857108	372	20,683	SH		SOLE	0	0	0	20,683
DANAHER CORPORATION	COM	235851102	356	1,979	SH		SOLE	0	0	0	1,979
MERCK & CO. INC	COM	58933Y105	5,653	71,750	SH		SOLE	0	0	0	71,750
MICRON TECHNOLOGY INC	COM	595112103	385	7,720	SH		SOLE	0	0	0	7,720
MORGAN STANLEY	COM NEW	617446448	1,172	24,516	SH		SOLE	0	0	0	24,516
NOVARTIS AG	SPONSORED ADR	66987V109	329	3,754	SH		SOLE	0	0	0	3,754
PROCTER AND GAMBLE CO	COM	742718109	5,774	47,766	SH		SOLE	0	0	0	47,766
GENERAL ELECTRIC CO	COM	369604103	745	109,302	SH		SOLE	0	0	0	109,302
KIMBERLY CLARK CORP	COM	494368103	2,638	18,422	SH		SOLE	0	0	0	18,422
GOLDMAN SACHS GROUP INC	COM	38141G104	694	3,516	SH		SOLE	0	0	0	3,516
HSBC HLDGS PLC	SPON ADR NEW	404280406	331	13,651	SH		SOLE	0	0	0	13,651
HOME DEPOT INC	COM	437076102	2,166	8,716	SH		SOLE	0	0	0	8,716
TRANE TECHNOLOGIES PLC	SHS	G8994E103	227	2,510	SH		SOLE	0	0	0	2,510
MCDONALDS CORP	COM	580135101	1,711	9,322	SH		SOLE	0	0	0	9,322
JPMORGAN CHASE & CO	COM	46625H100	8,238	88,906	SH		SOLE	0	0	0	88,906
MONDELEZ INTL INC	CL A	609207105	2,831	54,981	SH		SOLE	0	0	0	54,981
WELLS FARGO CO NEW	COM	949746101	581	22,946	SH		SOLE	0	0	0	22,946
CORNING INC	COM	219350105	539	20,716	SH		SOLE	0	0	0	20,716
FORD MTR CO DEL	COM	345370860	163	26,861	SH		SOLE	0	0	0	26,861
UNITEDHEALTH GROUP INC	COM	91324P102	351	1,176	SH		SOLE	0	0	0	1,176
AMERICAN TOWER CORP NEW	COM	03027X100	638	2,415	SH		SOLE	0	0	0	2,415
ZIMMER BIOMET HOLDINGS INC	COM	98956P102	595	4,930	SH		SOLE	0	0	0	4,930
RAYTHEON TECHNOLOGIES CORP	COM	75513E101	2,646	42,816	SH		SOLE	0	0	0	42,816
3M CO	COM	88579Y101	3,858	24,568	SH		SOLE	0	0	0	24,568
COMCAST CORP NEW	CL A	20030N101	3,342	85,138	SH		SOLE	0	0	0	85,138
XILINX INC	COM	983919101	557	5,850	SH		SOLE	0	0	0	5,850
VANGUARD INDEX FDS	TOTAL STK MKT	922908769	1,489	9,421	SH		SOLE	0	0	0	9,421
WASTE MGMT INC DEL	COM	94106L109	303	2,888	SH		SOLE	0	0	0	2,888
UNILEVER N V	N Y SHS NEW	904784709	298	5,513	SH		SOLE	0	0	0	5,513
NORFOLK SOUTHERN CORP	COM	655844108	584	3,349	SH		SOLE	0	0	0	3,349
NEXTERA ENERGY INC	COM	65339F101	600	2,437	SH		SOLE	0	0	0	2,437
CONOCOPHILLIPS	COM	20825C104	629	15,063	SH		SOLE	0	0	0	15,063
CSX CORP	COM	126408103	493	7,157	SH		SOLE	0	0	0	7,157
APPLE INC	COM	037833100	40,506	111,247	SH		SOLE	0	0	0	111,247
ALLSTATE CORP	COM	020002101	658	6,992	SH		SOLE	0	0	0	6,992
LAM RESEARCH CORP	COM	512807108	284	878	SH		SOLE	0	0	0	878
SPDR SER TR	PRTFLO S&P500 VL	78464A508	2,017	69,244	SH		SOLE	0	0	0	69,244
CATERPILLAR INC DEL	COM	149123101	504	3,949	SH		SOLE	0	0	0	3,949
SUNCOR ENERGY INC NEW	COM	867224107	437	26,119	SH		SOLE	0	0	0	26,119
ISHARES TR	MSCI EMG MKT ETF	464287234	966	23,363	SH		SOLE	0	0	0	23,363
CHUBB LIMITED	COM	H1467J104	221	1,758	SH		SOLE	0	0	0	1,758
ECOLAB INC	COM	278865100	445	2,213	SH		SOLE	0	0	0	2,213
AON PLC	SHS CL A	G0403H108	287	1,497	SH		SOLE	0	0	0	1,497
AMERICAN EXPRESS CO	COM	025816109	1,802	19,100	SH		SOLE	0	0	0	19,100
GENERAL MLS INC	COM	370334104	378	6,150	SH		SOLE	0	0	0	6,150
PUBLIC SVC ENTERPRISE GRP IN	COM	744573106	260	5,198	SH		SOLE	0	0	0	5,198
AKAMAI TECHNOLOGIES INC	COM	00971T101	282	2,497	SH		SOLE	0	0	0	2,497
AVERY DENNISON CORP	COM	053611109	522	4,465	SH		SOLE	0	0	0	4,465
VANGUARD INTL EQUITY INDEX F	FTSE EMR MKT ETF	922042858	7,275	177,053	SH		SOLE	0	0	0	177,053
PAYCHEX INC	COM	704326107	2,197	28,684	SH		SOLE	0	0	0	28,684
NORTHROP GRUMMAN CORP	COM	666807102	2,078	6,704	SH		SOLE	0	0	0	6,704
BERKSHIRE HATHAWAY INC DEL	CL A	084670108	268	1	SH		SOLE	0	0	0	1
STERIS PLC	SHS USD	G8473T100	379	2,462	SH		SOLE	0	0	0	2,462
CIGNA CORP NEW	COM	125523100	247	1,297	SH		SOLE	0	0	0	1,297
VALERO ENERGY CORP	COM	91913Y100	1,420	25,204	SH		SOLE	0	0	0	25,204
D R HORTON INC	COM	23331A109	224	4,140	SH		SOLE	0	0	0	4,140
ISHARES TR	CORE US AGGBD ET	464287226	440	3,720	SH		SOLE	0	0	0	3,720
PROLOGIS INC.	COM	74340W103	312	3,266	SH		SOLE	0	0	0	3,266
AUTOZONE INC	COM	053332102	267	232	SH		SOLE	0	0	0	232
BIOGEN INC	COM	09062X103	261	986	SH		SOLE	0	0	0	986
ISHARES TR	TIPS BD ETF	464287176	1,483	12,012	SH		SOLE	0	0	0	12,012
CLOROX CO DEL	COM	189054109	776	3,495	SH		SOLE	0	0	0	3,495
AIR PRODS & CHEMS INC	COM	009158106	560	2,265	SH		SOLE	0	0	0	2,265
CONSOLIDATED EDISON INC	COM	209115104	378	5,126	SH		SOLE	0	0	0	5,126
V F CORP	COM	918204108	707	11,476	SH		SOLE	0	0	0	11,476
TRAVELERS COMPANIES INC	COM	89417E109	250	2,219	SH		SOLE	0	0	0	2,219
WEYERHAEUSER CO MTN BE	COM NEW	962166104	441	19,821	SH		SOLE	0	0	0	19,821
EATON CORP PLC	SHS	G29183103	435	4,925	SH		SOLE	0	0	0	4,925
TD AMERITRADE HLDG CORP	COM	87236Y108	941	26,150	SH		SOLE	0	0	0	26,150
SOUTHWESTERN ENERGY CO	COM	845467109	38	14,160	SH		SOLE	0	0	0	14,160
CHURCH & DWIGHT INC	COM	171340102	271	3,466	SH		SOLE	0	0	0	3,466
SANOFI	SPONSORED ADR	80105N105	1,234	23,914	SH		SOLE	0	0	0	23,914
WHIRLPOOL CORP	COM	963320106	1,439	11,136	SH		SOLE	0	0	0	11,136
BECTON DICKINSON & CO	COM	075887109	1,937	7,906	SH		SOLE	0	0	0	7,906
YUM BRANDS INC	COM	988498101	291	3,362	SH		SOLE	0	0	0	3,362
ALPHABET INC	CAP STK CL A	02079K305	1,085	738	SH		SOLE	0	0	0	738
WEC ENERGY GROUP INC	COM	92939U106	552	6,120	SH		SOLE	0	0	0	6,120
RIO TINTO PLC	SPONSORED ADR	767204100	344	6,117	SH		SOLE	0	0	0	6,117
VANGUARD INDEX FDS	VALUE ETF	922908744	18,262	182,601	SH		SOLE	0	0	0	182,601
VANGUARD WORLD FDS	HEALTH CAR ETF	92204A504	269	1,373	SH		SOLE	0	0	0	1,373
VANGUARD INDEX FDS	SM CP VAL ETF	922908611	3,766	35,524	SH		SOLE	0	0	0	35,524
VANGUARD INDEX FDS	REAL ESTATE ETF	922908553	202	2,520	SH		SOLE	0	0	0	2,520
NATIONAL FUEL GAS CO N J	COM	636180101	638	15,466	SH		SOLE	0	0	0	15,466
CAMECO CORP	COM	13321L108	130	12,868	SH		SOLE	0	0	0	12,868
CANADIAN NATL RY CO	COM	136375102	214	2,414	SH		SOLE	0	0	0	2,414
VANGUARD INDEX FDS	SMALL CP ETF	922908751	2,048	14,037	SH		SOLE	0	0	0	14,037
VANGUARD INDEX FDS	GROWTH ETF	922908736	376	1,833	SH		SOLE	0	0	0	1,833
VANGUARD WORLD FDS	FINANCIALS ETF	92204A405	265	4,690	SH		SOLE	0	0	0	4,690
PARKER HANNIFIN CORP	COM	701094104	268	1,462	SH		SOLE	0	0	0	1,462
ROYAL DUTCH SHELL PLC	SPON ADR B	780259107	287	9,329	SH		SOLE	0	0	0	9,329
THERMO FISHER SCIENTIFIC INC	COM	883556102	568	1,553	SH		SOLE	0	0	0	1,553
SALESFORCE COM INC	COM	79466L302	2,739	14,227	SH		SOLE	0	0	0	14,227
M & T BK CORP	COM	55261F104	849	8,443	SH		SOLE	0	0	0	8,443
COMPUTER TASK GROUP INC	COM	205477102	50	12,128	SH		SOLE	0	0	0	12,128
ZEBRA TECHNOLOGIES CORPORATI	CL A	989207105	244	955	SH		SOLE	0	0	0	955
VANGUARD WORLD FDS	INF TECH ETF	92204A702	393	1,400	SH		SOLE	0	0	0	1,400
SPDR SER TR	S&P BIOTECH	78464A870	3,769	33,390	SH		SOLE	0	0	0	33,390
MASTERCARD INCORPORATED	CL A	57636Q104	363	1,200	SH		SOLE	0	0	0	1,200
VANGUARD INTL EQUITY INDEX F	FTSE EUROPE ETF	922042874	2,570	50,212	SH		SOLE	0	0	0	50,212
WISDOMTREE TR	EUROPE SMCP DV	97717W869	9,209	184,250	SH		SOLE	0	0	0	184,250
SPDR INDEX SHS FDS	EURO STOXX 50	78463X202	16,921	467,564	SH		SOLE	0	0	0	467,564
WISDOMTREE TR	INTL EQUITY FD	97717W703	1,292	28,796	SH		SOLE	0	0	0	28,796
WISDOMTREE TR	US LARGECAP DIVD	97717W307	248	2,656	SH		SOLE	0	0	0	2,656
PRUDENTIAL PLC	ADR	74435K204	324	10,616	SH		SOLE	0	0	0	10,616
AMPIO PHARMACEUTICALS INC	COM	03209T109	251	379,973	SH		SOLE	0	0	0	379,973
ALPHATEC HLDGS INC	COM NEW	02081G201	94	19,000	SH		SOLE	0	0	0	19,000
LEIDOS HOLDINGS INC	COM	525327102	247	2,635	SH		SOLE	0	0	0	2,635
VANGUARD INDEX FDS	MCAP VL IDXVIP	922908512	225	2,356	SH		SOLE	0	0	0	2,356
VANGUARD INTL EQUITY INDEX F	ALLWRLD EX US	922042775	615	12,650	SH		SOLE	0	0	0	12,650
ISHARES TR	SH TR CRPORT ETF	464288646	3,503	63,952	SH		SOLE	0	0	0	63,952
VANGUARD BD INDEX FDS	SHORT TRM BOND	921937827	272	3,277	SH		SOLE	0	0	0	3,277
VANGUARD BD INDEX FDS	INTERMED TERM	921937819	358	3,845	SH		SOLE	0	0	0	3,845
ERIE INDTY CO	CL A	29530P102	571	3,000	SH		SOLE	0	0	0	3,000
VANGUARD BD INDEX FDS	TOTAL BND MRKT	921937835	498	5,640	SH		SOLE	0	0	0	5,640
BANK NEW YORK MELLON CORP	COM	064058100	622	16,396	SH		SOLE	0	0	0	16,396
WISDOMTREE TR	EMER MKT HIGH FD	97717W315	467	12,501	SH		SOLE	0	0	0	12,501
VANGUARD WHITEHALL FDS	HIGH DIV YLD	921946406	786	9,958	SH		SOLE	0	0	0	9,958
VANGUARD TAX-MANAGED FDS	FTSE DEV MKT ETF	921943858	213	5,419	SH		SOLE	0	0	0	5,419
ISHARES TR	INTL DEV RE ETF	464288489	3,245	136,122	SH		SOLE	0	0	0	136,122
ISHARES TR	INTRM TR CRP ETF	464288638	713	11,824	SH		SOLE	0	0	0	11,824
ISHARES TR	INTRM GOV CR ETF	464288612	360	3,059	SH		SOLE	0	0	0	3,059
VISA INC	COM CL A	92826C839	10,001	51,112	SH		SOLE	0	0	0	51,112
PHILIP MORRIS INTL INC	COM	718172109	273	3,877	SH		SOLE	0	0	0	3,877
ISHARES TR	DEVSMCP EXNA ETF	464288497	5,389	113,735	SH		SOLE	0	0	0	113,735
SPDR INDEX SHS FDS	PORTFOLIO DEVLPD	78463X889	504	18,005	SH		SOLE	0	0	0	18,005
TAYLOR DEVICES INC	COM	877163105	199	20,000	SH		SOLE	0	0	0	20,000
PLUMAS BANCORP	COM	729273102	227	10,000	SH		SOLE	0	0	0	10,000
MACKINAC FINL CORP	COM	554571109	188	18,263	SH		SOLE	0	0	0	18,263
FINANCIAL INSTNS INC	COM	317585404	330	19,163	SH		SOLE	0	0	0	19,163
VANGUARD SCOTTSDALE FDS	SHRT TRM CORP BD	92206C409	1,881	22,771	SH		SOLE	0	0	0	22,771
VANGUARD SCOTTSDALE FDS	MORTG-BACK SEC	92206C771	256	4,700	SH		SOLE	0	0	0	4,700
NORTHWEST BANCSHARES INC MD	COM	667340103	127	13,064	SH		SOLE	0	0	0	13,064
SPDR SER TR	PORTFOLIO SHORT	78464A474	658	20,980	SH		SOLE	0	0	0	20,980
ALPS ETF TR	ALERIAN MLP	00162Q452	277	11,462	SH		SOLE	0	0	0	11,462
VANGUARD INDEX FDS	S&P 500 ETF SHS	922908363	451	1,574	SH		SOLE	0	0	0	1,574
ISHARES TR	0-5 YR TIPS ETF	46429B747	8,822	86,060	SH		SOLE	0	0	0	86,060
22ND CENTY GROUP INC	COM	90137F103	107	144,489	SH		SOLE	0	0	0	144,489
INVESCO EXCH TRADED FD TR II	S&P500 LOW VOL	46138E354	267	5,307	SH		SOLE	0	0	0	5,307
ISHARES TR	FLTG RATE NT ETF	46429B655	3,695	73,097	SH		SOLE	0	0	0	73,097
FLEXSHARES TR	IBOXX 3R TARGT	33939L506	321	12,670	SH		SOLE	0	0	0	12,670
ISHARES TR	MSCI MIN VOL ETF	46429B697	1,953	31,982	SH		SOLE	0	0	0	31,982
ISHARES TR	MIN VOL EAFE ETF	46429B689	2,486	37,285	SH		SOLE	0	0	0	37,285
ISHARES INC	MIN VOL EMRG MKT	464286533	1,047	19,572	SH		SOLE	0	0	0	19,572
SPDR SER TR	BLOMBERG BRC INV	78468R200	578	18,962	SH		SOLE	0	0	0	18,962
SPDR SER TR	BLOOMBERG SRT TR	78468R408	1,279	50,682	SH		SOLE	0	0	0	50,682
INVESCO EXCH TRD SLF IDX FD	BULSHS 2020 CB	46138J502	2,204	103,518	SH		SOLE	0	0	0	103,518
FACEBOOK INC	CL A	30303M102	461	1,976	SH		SOLE	0	0	0	1,976
ISHARES INC	CORE MSCI EMKT	46434G103	255	5,174	SH		SOLE	0	0	0	5,174
ISHARES TR	CORE MSCI EAFE	46432F842	251	4,319	SH		SOLE	0	0	0	4,319
ABBVIE INC	COM	00287Y109	2,071	20,948	SH		SOLE	0	0	0	20,948
FLEXSHARES TR	QLT DIV DEF IDX	33939L845	723	17,220	SH		SOLE	0	0	0	17,220
SPDR SER TR	SSGA US SMAL ETF	78468R887	285	3,808	SH		SOLE	0	0	0	3,808
INVESCO EXCH TRADED FD TR II	S&P MIDCP LOW	46138E198	471	11,366	SH		SOLE	0	0	0	11,366
INVESCO EXCHANGE-TRADED FD T	S&P SMLCP LOW	46138G102	326	9,751	SH		SOLE	0	0	0	9,751
SSGA ACTIVE ETF TR	BLKSTN GSOSRLN	78467V608	494	11,374	SH		SOLE	0	0	0	11,374
T-MOBILE US INC	COM	872590104	245	2,315	SH		SOLE	0	0	0	2,315
CDW CORP	COM	12514G108	244	2,080	SH		SOLE	0	0	0	2,080
ISHARES TR	USA SIZE FACTOR	46432F370	283	3,220	SH		SOLE	0	0	0	3,220
INVESCO EXCH TRD SLF IDX FD	BULSHS 2021 CB	46138J700	1,330	62,161	SH		SOLE	0	0	0	62,161
INVESCO EXCH TRD SLF IDX FD	BULSHS 2022 CB	46138J882	1,153	52,713	SH		SOLE	0	0	0	52,713
INVESCO EXCH TRD SLF IDX FD	BULSHS 2020 HY	46138J601	3,370	144,684	SH		SOLE	0	0	0	144,684
ISHARES U S ETF TR	SHT MAT BD ETF	46431W507	317	6,354	SH		SOLE	0	0	0	6,354
FLEXSHARES TR	GLB QLT R/E IDX	33939L787	270	5,136	SH		SOLE	0	0	0	5,136
ALPHABET INC	CAP STK CL C	02079K107	8,532	5,825	SH		SOLE	0	0	0	5,825
INVESCO EXCH TRD SLF IDX FD	BULSHS 2023 CB	46138J866	682	31,250	SH		SOLE	0	0	0	31,250
INVESCO EXCH TRD SLF IDX FD	BULSHS 2022 HY	46138J874	225	10,000	SH		SOLE	0	0	0	10,000
INVESCO EXCH TRD SLF IDX FD	BULSHS 2021 HY	46138J809	1,284	56,228	SH		SOLE	0	0	0	56,228
INVESCO EXCH TRD SLF IDX FD	BULSHS 2024 CB	46138J841	231	10,450	SH		SOLE	0	0	0	10,450
ISHARES TR	IBONDS DEC20 ETF	46434VAQ3	441	17,440	SH		SOLE	0	0	0	17,440
ISHARES TR	IBONDS DEC21 ETF	46434VBK5	310	12,350	SH		SOLE	0	0	0	12,350
KRAFT HEINZ CO	COM	500754106	357	11,224	SH		SOLE	0	0	0	11,224
PAYPAL HLDGS INC	COM	70450Y103	834	4,709	SH		SOLE	0	0	0	4,709
JANUS DETROIT STR TR	HENDRSN SHRT ETF	47103U886	6,941	138,330	SH		SOLE	0	0	0	138,330
DUPONT DE NEMOURS INC	COM	26614N102	780	14,512	SH		SOLE	0	0	0	14,512
LINDE PLC	SHS	G5494J103	4,467	20,188	SH		SOLE	0	0	0	20,188
DOW INC	COM	260557103	498	11,986	SH		SOLE	0	0	0	11,986
CORTEVA INC	COM	22052L104	235	8,517	SH		SOLE	0	0	0	8,517
CARRIER GLOBAL CORPORATION	COM	14448C104	1,163	50,757	SH		SOLE	0	0	0	50,757
OTIS WORLDWIDE CORP	COM	68902V107	1,425	25,226	SH		SOLE	0	0	0	25,226
VISA INC	COM CL A	92826C839	0	300	SH	Put	SOLE	0	0	0	300
VISA INC	COM CL A	92826C839	1	200	SH	Put	SOLE	0	0	0	200