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 |
ABBOTT LABS | COM | 002824100 | 400 | 4,752 | SH | | SOLE | | 0 | 0 | 4,752 |
ABBVIE INC | COM | 00287y109 | 218,160 | 3,000 | SH | | SOLE | | 0 | 0 | 0 |
AFLAC INC | COM | 001055102 | 438,480 | 8,000 | SH | | SOLE | | 0 | 0 | 0 |
AIR TRANSPORT SERVICES GRP I | COM | 00922r105 | 122,000 | 5,000 | SH | | SOLE | | 0 | 0 | 0 |
ALLIANCEBERNSTEIN NATL MUNI | COM | 01864U106 | 842 | 62,638 | SH | | SOLE | | 0 | 0 | 62,638 |
ALPHABET INC | CAP STK CL A | 02079K305 | 541 | 500 | SH | | SOLE | | 0 | 0 | 500 |
AMAZON COM INC | COM | 023135106 | 205 | 108 | SH | | SOLE | | 0 | 0 | 108 |
AMERICAN EXPRESS CO | COM | 025816109 | 246,880 | 2,000 | SH | | SOLE | | 0 | 0 | 0 |
APPLE INC | COM | 037833100 | 792 | 4,003 | SH | | SOLE | | 0 | 0 | 4,003 |
BECTON DICKINSON & CO | COM | 075887109 | 842 | 3,342 | SH | | SOLE | | 0 | 0 | 3,342 |
BED BATH & BEYOND INC | COM | 075896100 | 174,300 | 15,000 | SH | | SOLE | | 0 | 0 | 0 |
BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 | 1,143 | 5,361 | SH | | SOLE | | 0 | 0 | 5,361 |
BEST BUY INC | COM | 086516101 | 278,920 | 4,000 | SH | | SOLE | | 0 | 0 | 0 |
BLACKROCK MUN INCOME TR | SH BEN INT | 09248F109 | 201 | 14,493 | SH | | SOLE | | 0 | 0 | 14,493 |
BLACKROCK MUNICIPL INC QLTY | COM | 092479104 | 1,561 | 113,449 | SH | | SOLE | | 0 | 0 | 113,449 |
BLACKROCK MUNIHLDGS NJ QLTY | COM | 09254X101 | 173 | 12,406 | SH | | SOLE | | 0 | 0 | 12,406 |
BLACKROCK MUNIHLDNGS QLTY II | COM | 09254C107 | 1,715 | 136,348 | SH | | SOLE | | 0 | 0 | 136,348 |
BLACKROCK MUNIHLDS INVSTM QL | COM | 09254P108 | 1,001 | 75,247 | SH | | SOLE | | 0 | 0 | 75,247 |
BLACKROCK MUNIVEST FD INC | COM | 09253R105 | 564 | 61,535 | SH | | SOLE | | 0 | 0 | 61,535 |
BLACKROCK MUNIY QUALITY FD I | COM | 09254G108 | 1,606 | 127,905 | SH | | SOLE | | 0 | 0 | 127,905 |
BLACKROCK MUNIYIELD FD INC | COM | 09253W104 | 207 | 14,389 | SH | | SOLE | | 0 | 0 | 14,389 |
BLACKROCK MUNIYIELD QLTY FD | COM | 09254E103 | 1,486 | 112,576 | SH | | SOLE | | 0 | 0 | 112,576 |
BLACKROCK MUNIYIELD QUALITY | COM | 09254F100 | 308 | 21,242 | SH | | SOLE | | 0 | 0 | 21,242 |
BNY MELLON STRATEGIC MUNS IN | COM | 05588W108 | 265 | 32,478 | SH | | SOLE | | 0 | 0 | 32,478 |
CASELLA WASTE SYS INC | CL A | 147448104 | 158,520 | 4,000 | SH | | SOLE | | 0 | 0 | 0 |
CHEVRON CORP NEW | COM | 166764100 | 1,315 | 10,568 | SH | | SOLE | | 0 | 0 | 10,568 |
CISCO SYS INC | COM | 17275r102 | 229,866 | 4,200 | SH | | SOLE | | 0 | 0 | 0 |
CITIGROUP INC | COM NEW | 172967424 | 560,240 | 8,000 | SH | | SOLE | | 0 | 0 | 0 |
COMCAST CORP NEW | CL A | 20030N101 | 235 | 5,569 | SH | | SOLE | | 0 | 0 | 5,569 |
CONOCOPHILLIPS | COM | 20825C104 | 415 | 6,808 | SH | | SOLE | | 0 | 0 | 6,808 |
DANAHER CORPORATION | COM | 235851102 | 286 | 2,000 | SH | | SOLE | | 0 | 0 | 2,000 |
DARDEN RESTAURANTS INC | COM | 237194105 | 486,920 | 4,000 | SH | | SOLE | | 0 | 0 | 0 |
DBX ETF TR | XTRACK MSCI EAFE | 233051200 | 5,473 | 173,141 | SH | | SOLE | | 0 | 0 | 173,141 |
DBX ETF TR | XTRACK MSCI EURP | 233051853 | 976 | 33,523 | SH | | SOLE | | 0 | 0 | 33,523 |
DBX ETF TR | XTRACK USD HIGH | 233051432 | 400 | 7,964 | SH | | SOLE | | 0 | 0 | 7,964 |
DELTA AIR LINES INC DEL | COM NEW | 247361702 | 510,750 | 9,000 | SH | | SOLE | | 0 | 0 | 0 |
DIREXION SHS ETF TR | DLY EMG MK BL 3X | 25490K281 | 1,584 | 20,284 | SH | | SOLE | | 0 | 0 | 20,284 |
DISNEY WALT CO | COM DISNEY | 254687106 | 563 | 4,035 | SH | | SOLE | | 0 | 0 | 4,035 |
DWS MUN INCOME TR NEW | COM | 233368109 | 953 | 84,533 | SH | | SOLE | | 0 | 0 | 84,533 |
EATON VANCE MUN BD FD | COM | 27827X101 | 472 | 37,944 | SH | | SOLE | | 0 | 0 | 37,944 |
EATON VANCE MUNI INCOME TRUS | SH BEN INT | 27826U108 | 344 | 27,661 | SH | | SOLE | | 0 | 0 | 27,661 |
EOG RES INC | COM | 26875P101 | 1,129 | 12,115 | SH | | SOLE | | 0 | 0 | 12,115 |
EXXON MOBIL CORP | COM | 30231G102 | 1,953 | 25,492 | SH | | SOLE | | 0 | 0 | 25,492 |
FEDERATED PREM MUN INC FD | COM | 31423P108 | 272 | 19,758 | SH | | SOLE | | 0 | 0 | 19,758 |
FULTON FINL CORP PA | COM | 360271100 | 163,700 | 10,000 | SH | | SOLE | | 0 | 0 | 0 |
GENERAL MTRS CO | COM | 37045v100 | 192,650 | 5,000 | SH | | SOLE | | 0 | 0 | 0 |
GLOBAL X FDS | MSCI GREECE ETF | 37950E366 | 654 | 68,386 | SH | | SOLE | | 0 | 0 | 68,386 |
HOME DEPOT INC | COM | 437076102 | 423 | 2,036 | SH | | SOLE | | 0 | 0 | 2,036 |
INDEPENDENT BANK CORP MICH | COM NEW | 453838609 | 190,096 | 8,724 | SH | | SOLE | | 0 | 0 | 0 |
INGERSOLL-RAND PLC | SHS | g47791101 | 240,673 | 1,900 | SH | | SOLE | | 0 | 0 | 0 |
INNOVATIVE INDL PPTYS INC | COM | 45781V101 | 230 | 1,865 | SH | | SOLE | | 0 | 0 | 1,865 |
INNOVIVA INC | COM | 45781M101 | 232,960 | 16,000 | SH | | SOLE | | 0 | 0 | 0 |
INTEL CORP | COM | 458140100 | 526,570 | 11,000 | SH | | SOLE | | 0 | 0 | 0 |
INTERNATIONAL BUSINESS MACHS | COM | 459200101 | 255 | 1,847 | SH | | SOLE | | 0 | 0 | 1,847 |
INVESCO EXCHNG TRADED FD TR | FTSE RAFI EMNG | 46138E727 | 607 | 28,116 | SH | | SOLE | | 0 | 0 | 28,116 |
INVESCO QQQ TR | UNIT SER 1 | 46090E103 | 373 | 2,000 | SH | | SOLE | | 0 | 0 | 2,000 |
ISHARES GOLD TRUST | ISHARES | 464285105 | 631 | 46,751 | SH | | SOLE | | 0 | 0 | 46,751 |
ISHARES INC | MIN VOL GBL ETF | 464286525 | 17,381 | 188,676 | SH | | SOLE | | 0 | 0 | 188,676 |
ISHARES INC | MSCI BRAZIL ETF | 464286400 | 674 | 15,425 | SH | | SOLE | | 0 | 0 | 15,425 |
ISHARES INC | MSCI FRNTR100ETF | 464286145 | 387 | 13,082 | SH | | SOLE | | 0 | 0 | 13,082 |
ISHARES INC | MSCI GBL ETF NEW | 46434G848 | 3,393 | 112,020 | SH | | SOLE | | 0 | 0 | 112,020 |
ISHARES INC | MSCI MEXICO ETF | 464286822 | 369 | 8,496 | SH | | SOLE | | 0 | 0 | 8,496 |
ISHARES INC | MSCI STH KOR ETF | 464286772 | 580 | 9,696 | SH | | SOLE | | 0 | 0 | 9,696 |
ISHARES INC | MSCI TAIWAN ETF | 46434G772 | 390 | 11,148 | SH | | SOLE | | 0 | 0 | 11,148 |
ISHARES TR | CHINA LG-CAP ETF | 464287184 | 438 | 10,247 | SH | | SOLE | | 0 | 0 | 10,247 |
ISHARES TR | CORE HIGH DV ETF | 46429B663 | 3,911 | 41,383 | SH | | SOLE | | 0 | 0 | 41,383 |
ISHARES TR | CORE S&P TTL STK | 464287150 | 3,464,760 | 52,000 | SH | | SOLE | | 0 | 0 | 0 |
ISHARES TR | CORE S&P500 ETF | 464287200 | 226 | 768 | SH | | SOLE | | 0 | 0 | 768 |
ISHARES TR | FLTG RATE NT ETF | 46429B655 | 2,206 | 43,313 | SH | | SOLE | | 0 | 0 | 43,313 |
ISHARES TR | INTL MOMENTUM FT | 46434V449 | 6,439 | 216,808 | SH | | SOLE | | 0 | 0 | 216,808 |
ISHARES TR | INTL QLTY FACTOR | 46434V456 | 6,084 | 201,535 | SH | | SOLE | | 0 | 0 | 201,535 |
ISHARES TR | INTL SEL DIV ETF | 464288448 | 3,177 | 103,412 | SH | | SOLE | | 0 | 0 | 103,412 |
ISHARES TR | MIN VOL EAFE ETF | 46429B689 | 312 | 4,300 | SH | | SOLE | | 0 | 0 | 4,300 |
ISHARES TR | MIN VOL USA ETF | 46429B697 | 256 | 4,139 | SH | | SOLE | | 0 | 0 | 4,139 |
ISHARES TR | MSCI EMG MKT ETF | 464287234 | 242 | 5,631 | SH | | SOLE | | 0 | 0 | 5,631 |
ISHARES TR | MSCI INDIA ETF | 46429B598 | 203 | 5,746 | SH | | SOLE | | 0 | 0 | 5,746 |
ISHARES TR | MSCI PERU ETF | 464289842 | 249 | 6,729 | SH | | SOLE | | 0 | 0 | 6,729 |
ISHARES TR | RUSSELL 2000 ETF | 464287655 | 311 | 2,000 | SH | | SOLE | | 0 | 0 | 2,000 |
ISHARES TR | S&P SML 600 GWT | 464287887 | 210 | 1,150 | SH | | SOLE | | 0 | 0 | 1,150 |
ISHARES TR | U.S. ENERGY ETF | 464287796 | 3,366 | 97,820 | SH | | SOLE | | 0 | 0 | 97,820 |
ISHARES TR | USA MOMENTUM FCT | 46432F396 | 6,594 | 55,599 | SH | | SOLE | | 0 | 0 | 55,599 |
ISHARES TR | USA QUALITY FCTR | 46432F339 | 15,134 | 165,449 | SH | | SOLE | | 0 | 0 | 165,449 |
JOHNSON & JOHNSON | COM | 478160104 | 1,030 | 7,395 | SH | | SOLE | | 0 | 0 | 7,395 |
JPMORGAN CHASE & CO | COM | 46625H100 | 620 | 5,543 | SH | | SOLE | | 0 | 0 | 5,543 |
KEYCORP NEW | COM | 493267108 | 213,000 | 12,000 | SH | | SOLE | | 0 | 0 | 0 |
KOHLS CORP | COM | 500255104 | 285,300 | 6,000 | SH | | SOLE | | 0 | 0 | 0 |
LAUDER ESTEE COS INC | CL A | 518439104 | 256,354 | 1,400 | SH | | SOLE | | 0 | 0 | 0 |
LOCKHEED MARTIN CORP | COM | 539830109 | 363,540 | 1,000 | SH | | SOLE | | 0 | 0 | 0 |
LYONDELLBASELL INDUSTRIES N | SHS - A - | n53745100 | 172,260 | 2,000 | SH | | SOLE | | 0 | 0 | 0 |
MARKEL CORP | COM | 570535104 | 332 | 305 | SH | | SOLE | | 0 | 0 | 305 |
MARTIN MARIETTA MATLS INC | COM | 573284106 | 336 | 1,458 | SH | | SOLE | | 0 | 0 | 1,458 |
MCDONALDS CORP | COM | 580135101 | 623,739 | 6,653 | SH | | SOLE | | 0 | 0 | 3,653 |
MERCANTILE BANK CORP | COM | 587376104 | 210,174 | 6,451 | SH | | SOLE | | 0 | 0 | 0 |
METLIFE INC | COM | 59156r108 | 233,449 | 4,700 | SH | | SOLE | | 0 | 0 | 0 |
MFS INVT GRADE MUN TR | SH BEN INT | 59318B108 | 171 | 17,919 | SH | | SOLE | | 0 | 0 | 17,919 |
MICROSOFT CORP | COM | 594918104 | 362,372 | 7,777 | SH | | SOLE | | 0 | 0 | 5,077 |
NETFLIX INC | COM | 64110L106 | 400 | 1,089 | SH | | SOLE | | 0 | 0 | 1,089 |
NEXTERA ENERGY INC | COM | 65339F101 | 303 | 1,477 | SH | | SOLE | | 0 | 0 | 1,477 |
NUVEEN ENHANCED MUN VALUE FD | COM | 67074M101 | 380 | 26,810 | SH | | SOLE | | 0 | 0 | 26,810 |
NUVEEN INTER DURATION MN TMF | COM | 670671106 | 238 | 17,733 | SH | | SOLE | | 0 | 0 | 17,733 |
NUVEEN OHIO QLTY MUN INCOME | COM | 670980101 | 191 | 12,807 | SH | | SOLE | | 0 | 0 | 12,807 |
PEPSICO INC | COM | 713448108 | 763 | 5,816 | SH | | SOLE | | 0 | 0 | 5,816 |
PFIZER INC | COM | 717081103 | 346,560 | 8,000 | SH | | SOLE | | 0 | 0 | 0 |
PHILLIPS 66 | COM | 718546104 | 561,240 | 6,000 | SH | | SOLE | | 0 | 0 | 0 |
PIMCO MUN INCOME FD II | COM | 72200W106 | 399 | 26,700 | SH | | SOLE | | 0 | 0 | 26,700 |
PIMCO MUN INCOME FD III | COM | 72201A103 | 276 | 22,313 | SH | | SOLE | | 0 | 0 | 22,313 |
PIMCO NY MUNICIPAL INCOME FD | COM | 72200T103 | 254 | 19,316 | SH | | SOLE | | 0 | 0 | 19,316 |
PIONEER MUN HIGH INCOME ADV | COM | 723762100 | 594 | 55,218 | SH | | SOLE | | 0 | 0 | 55,218 |
PROCTER AND GAMBLE CO | COM | 742718109 | 241,513 | 4,779 | SH | | SOLE | | 0 | 0 | 2,579 |
QUALCOMM INC | COM | 747525103 | 121,926 | 4,415 | SH | | SOLE | | 0 | 0 | 2,815 |
SCHWAB STRATEGIC TR | 1000 INDEX ETF | 808524722 | 342 | 11,857 | SH | | SOLE | | 0 | 0 | 11,857 |
SCHWAB STRATEGIC TR | SCHWAB FDT US LG | 808524771 | 11,419 | 291,977 | SH | | SOLE | | 0 | 0 | 291,977 |
SCHWAB STRATEGIC TR | SCHWAB FDT US SC | 808524763 | 4,631 | 122,871 | SH | | SOLE | | 0 | 0 | 122,871 |
SCHWAB STRATEGIC TR | SCHWB FDT EMK LG | 808524730 | 28,067 | 976,592 | SH | | SOLE | | 0 | 0 | 976,592 |
SCHWAB STRATEGIC TR | SCHWB FDT INT LG | 808524755 | 16,157 | 579,927 | SH | | SOLE | | 0 | 0 | 579,927 |
SCHWAB STRATEGIC TR | SCHWB FDT INT SC | 808524748 | 3,444 | 110,300 | SH | | SOLE | | 0 | 0 | 110,300 |
SCHWAB STRATEGIC TR | US AGGREGATE B | 808524839 | 929 | 17,528 | SH | | SOLE | | 0 | 0 | 17,528 |
SCHWAB STRATEGIC TR | US BRD MKT ETF | 808524102 | 3,949,680 | 56,000 | SH | | SOLE | | 0 | 0 | 0 |
SCHWAB STRATEGIC TR | US DIVIDEND EQ | 808524797 | 930 | 17,528 | SH | | SOLE | | 0 | 0 | 17,528 |
SCHWAB STRATEGIC TR | US LCAP GR ETF | 808524300 | 917 | 11,022 | SH | | SOLE | | 0 | 0 | 11,022 |
SCHWAB STRATEGIC TR | US LRG CAP ETF | 808524201 | 654 | 9,316 | SH | | SOLE | | 0 | 0 | 9,316 |
SIRIUS XM HLDGS INC | COM | 82968b103 | 223,200 | 40,000 | SH | | SOLE | | 0 | 0 | 0 |
SOUTHWEST AIRLS CO | COM | 844741108 | 457,337 | 15,234 | SH | | SOLE | | 0 | 0 | 6,234 |
SPDR S&P 500 ETF TR | TR UNIT | 78462F103 | 1,057 | 3,606 | SH | | SOLE | | 0 | 0 | 3,606 |
SPDR S&P MIDCAP 400 ETF TR | UTSER1 S&PDCRP | 78467Y107 | 466 | 1,315 | SH | | SOLE | | 0 | 0 | 1,315 |
SPDR SERIES TRUST | NUVEEN BLMBRG SR | 78468R739 | 711 | 14,531 | SH | | SOLE | | 0 | 0 | 14,531 |
SPDR SERIES TRUST | PRTFLO S&P500 HI | 78468R788 | 468 | 12,293 | SH | | SOLE | | 0 | 0 | 12,293 |
STARBUCKS CORP | COM | 855244109 | 295 | 3,517 | SH | | SOLE | | 0 | 0 | 3,517 |
SUNTRUST BKS INC | COM | 867914103 | 188,550 | 3,000 | SH | | SOLE | | 0 | 0 | 0 |
TARGET CORP | COM | 87612E106 | 346,440 | 4,000 | SH | | SOLE | | 0 | 0 | 0 |
TEXAS INSTRS INC | COM | 882508104 | 406 | 3,535 | SH | | SOLE | | 0 | 0 | 3,535 |
UDR INC | COM | 902653104 | 451 | 10,050 | SH | | SOLE | | 0 | 0 | 10,050 |
UNION PACIFIC CORP | COM | 907818108 | 443 | 2,619 | SH | | SOLE | | 0 | 0 | 2,619 |
UNITED TECHNOLOGIES CORP | COM | 913017109 | 335 | 2,575 | SH | | SOLE | | 0 | 0 | 2,575 |
UNITEDHEALTH GROUP INC | COM | 91324p102 | 488,020 | 2,000 | SH | | SOLE | | 0 | 0 | 0 |
VALERO ENERGY CORP NEW | COM | 91913y100 | 342,440 | 4,000 | SH | | SOLE | | 0 | 0 | 0 |
VANECK VECTORS ETF TR | RUSSIA ETF | 92189F403 | 677 | 28,629 | SH | | SOLE | | 0 | 0 | 28,629 |
VANGUARD BD INDEX FD INC | LONG TERM BOND | 921937793 | 2,565 | 26,422 | SH | | SOLE | | 0 | 0 | 26,422 |
VANGUARD BD INDEX FD INC | SHORT TRM BOND | 921937827 | 8,412 | 104,460 | SH | | SOLE | | 0 | 0 | 104,460 |
VANGUARD BD INDEX FD INC | TOTAL BND MRKT | 921937835 | 13,031 | 156,873 | SH | | SOLE | | 0 | 0 | 156,873 |
VANGUARD CHARLOTTE FDS | INTL BD IDX ETF | 92203J407 | 3,227 | 56,322 | SH | | SOLE | | 0 | 0 | 56,322 |
VANGUARD INDEX FDS | S&P 500 ETF SHS | 922908363 | 269 | 1,000 | SH | | SOLE | | 0 | 0 | 1,000 |
VANGUARD INTL EQUITY INDEX F | GLB EX US ETF | 922042676 | 5,015 | 84,997 | SH | | SOLE | | 0 | 0 | 84,997 |
VANGUARD INTL EQUITY INDEX F | TT WRLD ST ETF | 922042742 | 46,132 | 613,790 | SH | | SOLE | | 0 | 0 | 613,790 |
VANGUARD WHITEHALL FDS INC | EMERG MKT BD ETF | 921946885 | 2,018 | 25,090 | SH | | SOLE | | 0 | 0 | 25,090 |
VANGUARD WHITEHALL FDS INC | HIGH DIV YLD | 921946406 | 1,127 | 12,892 | SH | | SOLE | | 0 | 0 | 12,892 |
VERISIGN INC | COM | 92343E102 | 209,160 | 1,000 | SH | | SOLE | | 0 | 0 | 0 |
VIAVI SOLUTIONS INC | COM | 925550105 | 581 | 43,750 | SH | | SOLE | | 0 | 0 | 43,750 |
VISA INC | COM CL A | 92826C839 | 760 | 4,382 | SH | | SOLE | | 0 | 0 | 4,382 |
VISHAY INTERTECHNOLOGY INC | COM | 928298108 | 264,320 | 16,000 | SH | | SOLE | | 0 | 0 | 0 |
WALMART INC | COM | 931142103 | 205 | 1,852 | SH | | SOLE | | 0 | 0 | 1,852 |
WELLS FARGO CO NEW | COM | 949746101 | 331,240 | 7,000 | SH | | SOLE | | 0 | 0 | 0 |
WESTERN ASSET INTM MUNI FD I | COM | 958435109 | 931 | 104,185 | SH | | SOLE | | 0 | 0 | 104,185 |
WHITE MTNS INS GROUP LTD | COM | G9618E107 | 408,584 | 400 | SH | | SOLE | | 0 | 0 | 0 |
WISDOMTREE TR | EMER MKT HIGH FD | 97717W315 | 728 | 16,308 | SH | | SOLE | | 0 | 0 | 16,308 |
WISDOMTREE TR | US LARGECAP DIVD | 97717W307 | 372 | 3,835 | SH | | SOLE | | 0 | 0 | 3,835 |
YUM BRANDS INC | COM | 988498101 | 332,010 | 3,000 | SH | | SOLE | | 0 | 0 | 0 |
ZIONS BANCORPORATION N A | COM | 989701107 | 229,900 | 5,000 | SH | | SOLE | | 0 | 0 | 0 |