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
ISHARES TR CORE S&P MCP ETF 464287507 335 1,882 SH   SOLE 0 0 0 1,882
ISHARES TR SP SMCP600VL ETF 464287879 2,109 17,520 SH   SOLE 0 0 0 17,520
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 328 1,011 SH   SOLE 0 0 0 1,011
SPDR S&P 500 ETF TR TR UNIT 78462F103 3,029 9,822 SH   SOLE 0 0 0 9,822
AMAZON COM INC COM 023135106 303 110 SH   SOLE 0 0 0 110
INVESCO QQQ TR UNIT SER 1 46090E103 17,949 72,492 SH   SOLE 0 0 0 72,492
ISHARES TR MSCI EAFE ETF 464287465 1,697 27,875 SH   SOLE 0 0 0 27,875
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 608 5,816 SH   SOLE 0 0 0 5,816
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 24,926 212,718 SH   SOLE 0 0 0 212,718
JPMORGAN CHASE & CO COM 46625H100 347 3,684 SH   SOLE 0 0 0 3,684
ISHARES TR 1 3 YR TREAS BD 464287457 571 6,588 SH   SOLE 0 0 0 6,588
ISHARES TR 20 YR TR BD ETF 464287432 2,149 13,112 SH   SOLE 0 0 0 13,112
ISHARES TR IBOXX INV CP ETF 464287242 4,471 33,238 SH   SOLE 0 0 0 33,238
APPLE INC COM 037833100 960 2,631 SH   SOLE 0 0 0 2,631
REDWOOD TR INC COM 758075402 88 12,581 SH   SOLE 0 0 0 12,581
DAVITA INC COM 23918K108 4,171 52,705 SH   SOLE 0 0 0 52,705
ALPHABET INC CAP STK CL A 02079K305 262 185 SH   SOLE 0 0 0 185
PENNSYLVANIA REAL ESTATE INV SH BEN INT 709102107 32 23,241 SH   SOLE 0 0 0 23,241
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 6,171 64,485 SH   SOLE 0 0 0 64,485
ISHARES TR NATIONAL MUN ETF 464288414 250 2,164 SH   SOLE 0 0 0 2,164
ISHARES TR JPMORGAN USD EMG 464288281 1,709 15,649 SH   SOLE 0 0 0 15,649
SPDR SER TR BLOOMBERG BRCLYS 78468R622 1,156 11,429 SH   SOLE 0 0 0 11,429
INVESCO ACTIVELY MANAGED ETF ULTRA SHRT DUR 46090A887 1,346 26,676 SH   SOLE 0 0 0 26,676
ISHARES TR MSCI ACWI ETF 464288257 404 5,476 SH   SOLE 0 0 0 5,476
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 622 6,118 SH   SOLE 0 0 0 6,118
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 212 2,892 SH   SOLE 0 0 0 2,892
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 2,640 35,634 SH   SOLE 0 0 0 35,634
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 11,153 109,834 SH   SOLE 0 0 0 109,834
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 234 4,448 SH   SOLE 0 0 0 4,448
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 1,214 23,454 SH   SOLE 0 0 0 23,454
ISHARES INC CORE MSCI EMKT 46434G103 5,231 109,902 SH   SOLE 0 0 0 109,902
ISHARES TR CORE MSCI EAFE 46432F842 371 6,482 SH   SOLE 0 0 0 6,482
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 1,090 18,880 SH   SOLE 0 0 0 18,880
BRAEMAR HOTELS & RESORTS INC COM 10482B101 41 14,400 SH   SOLE 0 0 0 14,400
ENLINK MIDSTREAM LLC COM UNIT REP LTD 29336T100 56 23,119 SH   SOLE 0 0 0 23,119
VIEWRAY INC COM 92672L107 83 37,000 SH   SOLE 0 0 0 37,000
AMERICAN RENAL ASSOCS HLDGS COM 029227105 222 34,000 SH   SOLE 0 0 0 34,000