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 237 1,335 SH   SOLE   1,335 0 0
AT&T, Inc. COM 00206R102 1,463 59,471 SH   SOLE   59,471 0 0
AbbVie Inc. COM 00287y109 224 1,651 SH   SOLE   1,651 0 0
Accenture Plc Cl A COM G1151C101 207 500 SH   SOLE   500 0 0
Agilent Technologies Inc. COM 00846U101 606 3,796 SH   SOLE   3,796 0 0
Alibaba Group Holding Limited COM 01609w102 1,867 15,721 SH   SOLE   15,721 0 0
Alphabet Inc Cl A COM 02079k305 1,524 526 SH   SOLE   526 0 0
Alphabet Inc Cl C COM 02079k107 1,212 419 SH   SOLE   419 0 0
Altria Group Inc COM 02209S103 211 4,460 SH   SOLE   4,460 0 0
Amazon.Com Inc. COM 023135106 1,224 367 SH   SOLE   367 0 0
American Express Company COM 025816109 1,990 12,163 SH   SOLE   12,163 0 0
American International Group N COM 026874784 1,945 34,200 SH   SOLE   34,200 0 0
Amgen Inc. COM 031162100 479 2,127 SH   SOLE   2,127 0 0
Apollo Commercial Real Estate COM 03762U105 513 39,000 SH   SOLE   39,000 0 0
Apollo Global Management Inc. COM 03768e105 4,699 64,875 SH   SOLE   64,875 0 0
Apple Inc. COM 037833100 21,535 121,275 SH   SOLE   121,275 0 0
Applied Materials Inc COM 038222105 1,180 7,500 SH   SOLE   7,500 0 0
Assurant Inc. COM 04621X108 250 1,605 SH   SOLE   1,605 0 0
Autodesk Inc COM 052769106 399 1,420 SH   SOLE   1,420 0 0
Banco Santander, S.A. (ADR) COM 05964h105 95 28,807 SH   SOLE   28,807 0 0
Bank of America Corp. COM 060505104 7,149 160,697 SH   SOLE   160,697 0 0
Becton Dickinson & Co COM 075887109 817 3,248 SH   SOLE   3,248 0 0
Berkshire Hathaway Cl B COM 084670702 2,596 8,683 SH   SOLE   8,683 0 0
Blackstone Group Inc. Cl A COM 09260D107 8,236 63,650 SH   SOLE   63,650 0 0
Blackstone Mortgage Trust, Inc COM 09257W100 386 12,600 SH   SOLE   12,600 0 0
Boeing Company COM 097023105 1,193 5,928 SH   SOLE   5,928 0 0
Bristol-Myers Squibb Co. COM 110122108 916 14,688 SH   SOLE   14,688 0 0
Brookfield Asset Management Cl COM 112585104 3,347 55,440 SH   SOLE   55,440 0 0
Byline Bancorp Inc. COM 124411109 1,471 53,791 SH   SOLE   53,791 0 0
CSX Corp. COM 126408103 429 11,400 SH   SOLE   11,400 0 0
CVS Health Corp. COM 126650100 2,751 26,665 SH   SOLE   26,665 0 0
Carlyle Group COM 14316J108 7,074 128,860 SH   SOLE   128,860 0 0
Caterpillar Inc. COM 149123101 1,136 5,493 SH   SOLE   5,493 0 0
Charles Schwab Corp. COM 808513105 3,570 42,448 SH   SOLE   42,448 0 0
Chevron Corporation COM 166764100 535 4,558 SH   SOLE   4,558 0 0
Cisco Systems Inc COM 17275R102 2,508 39,581 SH   SOLE   39,581 0 0
Citigroup Inc. COM 172967424 3,260 53,979 SH   SOLE   53,979 0 0
Coca-Cola Co. COM 191216100 251 4,239 SH   SOLE   4,239 0 0
Comcast Corp New Cl A COM 20030N101 2,934 58,296 SH   SOLE   58,296 0 0
ConocoPhillips COM 20825C104 505 6,995 SH   SOLE   6,995 0 0
Corning Inc. COM 219350105 214 5,740 SH   SOLE   5,740 0 0
Costco Wholesale Corp. New COM 22160K105 2,940 5,179 SH   SOLE   5,179 0 0
DXC Technology Company Com. COM 23355l106 503 15,629 SH   SOLE   15,629 0 0
Danaher Corporation COM 235851102 411 1,250 SH   SOLE   1,250 0 0
Dell Inc COM 24703l202 403 7,173 SH   SOLE   7,173 0 0
Diageo Plc New (ADR) COM 25243Q205 304 1,380 SH   SOLE   1,380 0 0
Discovery Communications Ser C COM 25470F302 1,193 52,085 SH   SOLE   52,085 0 0
Expedia Group Inc. COM 30212p303 274 1,516 SH   SOLE   1,516 0 0
Exxon Mobil Corp. COM 30231G102 746 12,197 SH   SOLE   12,197 0 0
FedEx Corp. COM 31428X106 3,104 12,000 SH   SOLE   12,000 0 0
Federal Realty Investment Trus COM 313747206 211 1,550 SH   SOLE   1,550 0 0
General Electric Company COM 369604301 4,099 43,390 SH   SOLE   43,390 0 0
Goldman Sachs Group Inc. COM 38141G104 591 1,545 SH   SOLE   1,545 0 0
HP Inc. COM 40434l105 1,349 35,801 SH   SOLE   35,801 0 0
Hewlett Packard Enterprise Com COM 42824c109 497 31,542 SH   SOLE   31,542 0 0
Home Depot Inc. COM 437076102 5,004 12,057 SH   SOLE   12,057 0 0
Honeywell International Inc. COM 438516106 1,853 8,889 SH   SOLE   8,889 0 0
Host Hotels & Resorts, Inc. COM 44107P104 477 27,401 SH   SOLE   27,401 0 0
Humana Inc. COM 444859102 1,248 2,690 SH   SOLE   2,690 0 0
Intel Corp. COM 458140100 2,364 45,896 SH   SOLE   45,896 0 0
International Bancshares Corp. COM 459044103 10,969 258,775 SH   SOLE   258,775 0 0
International Business Machine COM 459200101 936 7,006 SH   SOLE   7,006 0 0
JPMorgan Chase & Co. COM 46625H100 4,828 30,492 SH   SOLE   30,492 0 0
Johnson & Johnson COM 478160104 1,761 10,294 SH   SOLE   10,294 0 0
Johnson Controls Inc. COM g51502105 710 8,727 SH   SOLE   8,727 0 0
KKR & Co. Inc. COM 48251w104 8,559 114,890 SH   SOLE   114,890 0 0
Keysight Technologies Inc. COM 49338L103 226 1,094 SH   SOLE   1,094 0 0
Koninklijke Philips Electronic COM 500472303 1,403 38,067 SH   SOLE   38,067 0 0
Lockheed Martin Corp. COM 539830109 960 2,701 SH   SOLE   2,701 0 0
Lowe's Companies, Inc. COM 548661107 827 3,200 SH   SOLE   3,200 0 0
Lumen Technologies, Inc. COM 550241103 3,125 249,025 SH   SOLE   249,025 0 0
Marriott International, Inc. C COM 571903202 405 2,450 SH   SOLE   2,450 0 0
Marsh & McLennan Companies, In COM 571748102 429 2,470 SH   SOLE   2,470 0 0
McDonald's Corp. COM 580135101 2,424 9,041 SH   SOLE   9,041 0 0
McKesson Corp. COM 58155Q103 562 2,260 SH   SOLE   2,260 0 0
Medtronic Inc. COM g5960L103 323 3,121 SH   SOLE   3,121 0 0
Merck & Co. Inc. New COM 58933Y105 358 4,676 SH   SOLE   4,676 0 0
Meta Platforms Inc. Cl A COM 30303m102 572 1,700 SH   SOLE   1,700 0 0
Microsoft Corp. COM 594918104 9,209 27,383 SH   SOLE   27,383 0 0
Morgan Stanley COM 617446448 346 3,520 SH   SOLE   3,520 0 0
Motorola Solutions Inc. COM 620076307 335 1,233 SH   SOLE   1,233 0 0
Nike Inc. Cl B COM 654106103 1,053 6,316 SH   SOLE   6,316 0 0
Nokia Corp (ADR) COM 654902204 988 158,772 SH   SOLE   158,772 0 0
Oracle Corp. COM 68389X105 3,088 35,410 SH   SOLE   35,410 0 0
PNC Financial Services Group, COM 693475105 690 3,440 SH   SOLE   3,440 0 0
Paypal Holdings Inc. COM 70450y103 3,329 17,655 SH   SOLE   17,655 0 0
Pepsico, Inc. COM 713448108 814 4,685 SH   SOLE   4,685 0 0
Pfizer, Inc. COM 717081103 2,077 35,171 SH   SOLE   35,171 0 0
Philip Morris International In COM 718172109 520 5,475 SH   SOLE   5,475 0 0
Procter & Gamble Co. COM 742718109 2,672 16,336 SH   SOLE   16,336 0 0
Public Service Enterprise Grou COM 744573106 200 3,000 SH   SOLE   3,000 0 0
Qualcomm Inc. COM 747525103 1,474 8,060 SH   SOLE   8,060 0 0
Qurate Retail Group COM 74915m100 118 15,490 SH   SOLE   15,490 0 0
Raytheon Technologies Corp COM 75513E101 410 4,765 SH   SOLE   4,765 0 0
Roblox Corp Ordinary Shares Cl COM 771049103 289 2,800 SH   SOLE   2,800 0 0
Royal Dutch Shell Plc COM 780259107 710 16,373 SH   SOLE   16,373 0 0
SAP AG (ADR) COM 803054204 781 5,573 SH   SOLE   5,573 0 0
SJW Group Com COM 784305104 439 6,000 SH   SOLE   6,000 0 0
Schlumberger Ltd F COM 806857108 215 7,180 SH   SOLE   7,180 0 0
Sempra Energy COM 816851109 201 1,519 SH   SOLE   1,519 0 0
Sony Corp. (ADR) COM 835699307 2,191 17,335 SH   SOLE   17,335 0 0
Stellantis N.V. COM N82405106 602 32,100 SH   SOLE   32,100 0 0
TE Connectivity Ltd. F COM h84989104 1,678 10,400 SH   SOLE   10,400 0 0
Tapestry Inc. COM 876030107 320 7,879 SH   SOLE   7,879 0 0
Tesla Motors Inc. COM 88160r101 608 575 SH   SOLE   575 0 0
Teva Pharmaceutical Industries COM 881624209 352 43,918 SH   SOLE   43,918 0 0
The Walt Disney Co. COM 254687106 2,379 15,362 SH   SOLE   15,362 0 0
Thermo Fisher Scientific Inc. COM 883556102 1,351 2,025 SH   SOLE   2,025 0 0
Toyota Motor Corp. (ADR) COM 892331307 278 1,500 SH   SOLE   1,500 0 0
UBS Group CHF0.10 COM H42097107 798 44,680 SH   SOLE   44,680 0 0
UnitedHealth Group, Inc. COM 91324P102 7,349 14,635 SH   SOLE   14,635 0 0
VMWare, Inc. COM 928563402 368 3,175 SH   SOLE   3,175 0 0
Verizon Communications Inc. COM 92343V104 453 8,714 SH   SOLE   8,714 0 0
ViacomCBS Class B COM 92556H206 1,071 35,493 SH   SOLE   35,493 0 0
Viatris COM 92556v106 395 29,218 SH   SOLE   29,218 0 0
Visa, Inc. Cl A COM 92826C839 442 2,039 SH   SOLE   2,039 0 0
WPP PLC F Sponsored ADR COM 92937A102 612 8,100 SH   SOLE   8,100 0 0
Wal-Mart Inc. COM 931142103 1,498 10,350 SH   SOLE   10,350 0 0
Waste Management Inc. COM 94106L109 910 5,450 SH   SOLE   5,450 0 0
Wells Fargo & Co. New COM 949746101 2,885 60,135 SH   SOLE   60,135 0 0
Yum China Holdings Inc. COM 98850p109 575 11,530 SH   SOLE   11,530 0 0
Yum! Brands, Inc. COM 988498101 1,530 11,020 SH   SOLE   11,020 0 0
eBay, Inc. COM 278642103 1,270 19,105 SH   SOLE   19,105 0 0
ARK Innovations ETF COM 00214q104 405 4,285 SH   SOLE   4,285 0 0
Avantis Emerging Markets Equit COM 025072604 2,170 34,263 SH   SOLE   34,263 0 0
Avantis International Equity E COM 025072703 2,142 33,798 SH   SOLE   33,798 0 0
Avantis U.S. Equity ETF COM 025072885 1,493 18,627 SH   SOLE   18,627 0 0
Avantis U.S. Large Cap Value E COM 025072349 699 12,900 SH   SOLE   12,900 0 0
Avantis US Small Cap ValueETF COM 025072877 772 9,685 SH   SOLE   9,685 0 0
Consumer Discret Sel Sect SPDR COM 81369Y407 266 1,300 SH   SOLE   1,300 0 0
Dimensional Emerging Core Equi COM 25434v302 209 7,630 SH   SOLE   7,630 0 0
Dimensional US Target Value ET COM 25434v609 2,125 44,726 SH   SOLE   44,726 0 0
Direxion Daily Financial Bull COM 25459y694 1,569 12,000 SH   SOLE   12,000 0 0
ETFMG Prime Mobile Payments ET COM 26924G409 317 5,459 SH   SOLE   5,459 0 0
Energy Select Sector SPDR COM 81369Y506 5,967 107,519 SH   SOLE   107,519 0 0
Financial Select Sector SPDR COM 81369Y605 1,466 37,553 SH   SOLE   37,553 0 0
Franklin FTSE Asia ex-Japan ET COM 35473p660 216 8,305 SH   SOLE   8,305 0 0
Franklin FTSE China ETF COM 35473P819 283 11,420 SH   SOLE   11,420 0 0
Global X MLP & Energy Infrastr COM 37954y293 3,830 108,451 SH   SOLE   108,451 0 0
Global X Robotics & AI Themati COM 37954y715 5,894 163,998 SH   SOLE   163,998 0 0
Global X Silver Miners ETF COM 37954y848 271 7,381 SH   SOLE   7,381 0 0
Goldman Sachs Innovative Equit COM 38149W820 4,814 79,239 SH   SOLE   79,239 0 0
Health Care Sector Select SPDR COM 81369Y209 1,680 11,924 SH   SOLE   11,924 0 0
Industrial Select Sector SPDR COM 81369y704 1,740 16,440 SH   SOLE   16,440 0 0
Invesco Dynamic Leisure & Ente COM 46137V720 402 8,210 SH   SOLE   8,210 0 0
Invesco KBW Bank ETF COM 46138e628 19,911 293,493 SH   SOLE   293,493 0 0
Invesco KBW Regional Banking COM 46138e578 414 6,575 SH   SOLE   6,575 0 0
Invesco QQQ Trust Series 1 COM 46090e103 17,202 43,237 SH   SOLE   43,237 0 0
Invesco S&P 500 Pure Value ETF COM 46137v258 531 6,575 SH   SOLE   6,575 0 0
Invesco Water Resources COM 46137v142 304 5,000 SH   SOLE   5,000 0 0
Materials Select Sector SPDR E COM 81369Y100 1,192 13,150 SH   SOLE   13,150 0 0
ProShares Ultra Pro S&P500 COM 74347x864 2,746 18,000 SH   SOLE   18,000 0 0
Robo Global Healthcare Tech & COM 301505723 3,070 70,445 SH   SOLE   70,445 0 0
Robo Global Robotics & Automat COM 301505707 805 11,480 SH   SOLE   11,480 0 0
Royce Value Trust Inc. COM 780910105 493 25,181 SH   SOLE   25,181 0 0
SPDR DJ Euro Stoxx 50 ETF COM 78463x202 224 4,800 SH   SOLE   4,800 0 0
SPDR Dow Jones Global Real Est COM 78463x749 2,323 41,095 SH   SOLE   41,095 0 0
SPDR Dow Jones Industrial Aver COM 78467x109 1,303 3,585 SH   SOLE   3,585 0 0
SPDR Gold Trust ETF COM 78463v107 880 5,150 SH   SOLE   5,150 0 0
SPDR KBW Regional Banking ETF COM 78464A698 1,018 14,365 SH   SOLE   14,365 0 0
SPDR S&P 400 Mid Cap Growth ET COM 78464A821 208 2,550 SH   SOLE   2,550 0 0
SPDR S&P 400 Mid Cap Value ETF COM 78464A839 758 10,655 SH   SOLE   10,655 0 0
SPDR S&P 500 Index ETF COM 78462F103 3,004 6,324 SH   SOLE   6,324 0 0
SPDR S&P Bank ETF COM 78464A797 323 5,922 SH   SOLE   5,922 0 0
SPDR S&P Global Natural Resour COM 78463X541 4,480 83,030 SH   SOLE   83,030 0 0
SPDR S&P Homebuilders ETF COM 78464a888 203 2,365 SH   SOLE   2,365 0 0
SPDR S&P MidCap 400 ETF COM 78467Y107 1,504 2,905 SH   SOLE   2,905 0 0
SPDR Series Trust Biotech COM 78464a870 213 1,900 SH   SOLE   1,900 0 0
Schwab 1000 Index ETF COM 808524722 552 11,845 SH   SOLE   11,845 0 0
Schwab Emerging Markets Equity COM 808524706 576 19,439 SH   SOLE   19,439 0 0
Schwab Fundamental Intl Large COM 808524755 365 11,233 SH   SOLE   11,233 0 0
Schwab Fundamental US Large Co COM 808524771 557 9,500 SH   SOLE   9,500 0 0
Schwab International Equity ET COM 808524805 749 19,278 SH   SOLE   19,278 0 0
Schwab International Small Cap COM 808524888 1,544 37,713 SH   SOLE   37,713 0 0
Schwab Strategic US Large Cap COM 808524300 675 4,120 SH   SOLE   4,120 0 0
Schwab US Broad Market ETF COM 808524102 1,343 11,881 SH   SOLE   11,881 0 0
Schwab US Large Cap Value ETF COM 808524409 1,069 14,598 SH   SOLE   14,598 0 0
Schwab US Mid Cap ETF COM 808524508 891 11,084 SH   SOLE   11,084 0 0
Schwab US Small Cap ETF COM 808524607 265 2,590 SH   SOLE   2,590 0 0
Technology Select Sector SPDR COM 81369Y803 762 4,382 SH   SOLE   4,382 0 0
The Emerging Mkts Internet & E COM 301505889 1,638 38,172 SH   SOLE   38,172 0 0
Vaneck Vectors Gold Miners ETF COM 92189f106 307 9,600 SH   SOLE   9,600 0 0
Vanguard Dividend Appreciation COM 921908844 745 4,336 SH   SOLE   4,336 0 0
Vanguard Emerging Markets ETF COM 922042858 5,210 105,336 SH   SOLE   105,336 0 0
Vanguard Energy ETF COM 92204A306 535 6,888 SH   SOLE   6,888 0 0
Vanguard European ETF COM 922042874 2,489 36,480 SH   SOLE   36,480 0 0
Vanguard Extended Market Index COM 922908652 9,183 50,217 SH   SOLE   50,217 0 0
Vanguard FTSE All World Ex-US COM 922042775 5,911 96,460 SH   SOLE   96,460 0 0
Vanguard FTSE All-World Ex-US COM 922042718 1,853 13,830 SH   SOLE   13,830 0 0
Vanguard FTSE Developed Market COM 921943858 705 13,800 SH   SOLE   13,800 0 0
Vanguard Financials ETF COM 92204A405 5,508 57,040 SH   SOLE   57,040 0 0
Vanguard Global ex-US Real Est COM 922042676 2,832 52,501 SH   SOLE   52,501 0 0
Vanguard Growth ETF COM 922908736 3,357 10,461 SH   SOLE   10,461 0 0
Vanguard Health Care ETF COM 92204A504 1,116 4,188 SH   SOLE   4,188 0 0
Vanguard High Dividend Yield E COM 921946406 636 5,675 SH   SOLE   5,675 0 0
Vanguard Index Fund Small Cap COM 922908611 568 3,175 SH   SOLE   3,175 0 0
Vanguard Large Cap Index FDS E COM 922908637 332 1,500 SH   SOLE   1,500 0 0
Vanguard Mega Cap 300 Growth I COM 921910816 9,475 36,335 SH   SOLE   36,335 0 0
Vanguard Mega Cap 300 Index ET COM 921910873 583 3,471 SH   SOLE   3,471 0 0
Vanguard Mega Cap 300 Value In COM 921910840 9,863 92,333 SH   SOLE   92,333 0 0
Vanguard Mid Cap Growth ETF COM 922908538 2,421 9,509 SH   SOLE   9,509 0 0
Vanguard Mid-Cap ETF COM 922908629 20,762 81,494 SH   SOLE   81,494 0 0
Vanguard Mid-Cap Value ETF COM 922908512 4,768 31,720 SH   SOLE   31,720 0 0
Vanguard REIT ETF COM 922908553 1,279 11,025 SH   SOLE   11,025 0 0
Vanguard S&P 500 ETF COM 922908363 600 1,374 SH   SOLE   1,374 0 0
Vanguard Small Cap ETF COM 922908751 2,951 13,058 SH   SOLE   13,058 0 0
Vanguard Small Cap Growth ETF COM 922908595 325 1,153 SH   SOLE   1,153 0 0
Vanguard Total International S COM 921909768 5,368 84,446 SH   SOLE   84,446 0 0
Vanguard Total Stock Mkt ETF COM 922908769 4,027 16,681 SH   SOLE   16,681 0 0
Vanguard Value ETF COM 922908744 13,307 90,455 SH   SOLE   90,455 0 0
iShares Core Dividend Growth COM 46434v621 278 5,000 SH   SOLE   5,000 0 0
iShares Core EAFE COM 46432F842 1,259 16,866 SH   SOLE   16,866 0 0
iShares Core High Dividend ETF COM 46429B663 303 3,000 SH   SOLE   3,000 0 0
iShares Core MSCI Emerging Mkt COM 46434g103 9,731 162,557 SH   SOLE   162,557 0 0
iShares Core Russell US Growth COM 464287671 466 4,030 SH   SOLE   4,030 0 0
iShares Core S&P 500 ETF COM 464287200 2,674 5,607 SH   SOLE   5,607 0 0
iShares Core S&P Midcap ETF COM 464287507 6,103 21,559 SH   SOLE   21,559 0 0
iShares Core S&P Small Cap ETF COM 464287804 2,384 20,823 SH   SOLE   20,823 0 0
iShares Core S&P Total US Stoc COM 464287150 569 5,318 SH   SOLE   5,318 0 0
iShares DJ US Home Constructio COM 464288752 2,900 34,970 SH   SOLE   34,970 0 0
iShares Edge MSCI Intl Quality COM 46434V456 841 21,347 SH   SOLE   21,347 0 0
iShares Edge MSCI USA Quality COM 46432F339 1,695 11,645 SH   SOLE   11,645 0 0
iShares Gold Trust COM 464285204 207 5,950 SH   SOLE   5,950 0 0
iShares MSCI ACWI ex US COM 464288240 227 4,075 SH   SOLE   4,075 0 0
iShares MSCI Brazil Index ETF COM 464286400 1,695 60,395 SH   SOLE   60,395 0 0
iShares MSCI EAFE Growth ETF COM 464288885 893 8,100 SH   SOLE   8,100 0 0
iShares MSCI EAFE Index ETF COM 464287465 488 6,200 SH   SOLE   6,200 0 0
iShares MSCI EAFE Value Index COM 464288877 3,463 68,717 SH   SOLE   68,717 0 0
iShares MSCI EMU Index Fund ET COM 464286608 1,459 29,775 SH   SOLE   29,775 0 0
iShares MSCI Emerging Markets COM 464287234 515 10,550 SH   SOLE   10,550 0 0
iShares MSCI Japan Index ETF COM 46434g822 1,006 15,025 SH   SOLE   15,025 0 0
iShares Nasdaq Biotechnology COM 464287556 2,265 14,838 SH   SOLE   14,838 0 0
iShares Russell 1000 Growth In COM 464287614 2,847 9,315 SH   SOLE   9,315 0 0
iShares Russell 1000 Value Ind COM 464287598 5,899 35,130 SH   SOLE   35,130 0 0
iShares Russell 2000 Growth In COM 464287648 236 805 SH   SOLE   805 0 0
iShares Russell 2000 Index ETF COM 464287655 4,649 20,897 SH   SOLE   20,897 0 0
iShares Russell 2000 Value Ind COM 464287630 964 5,805 SH   SOLE   5,805 0 0
iShares Russell 3000 Index Fun COM 464287689 365 1,317 SH   SOLE   1,317 0 0
iShares Russell Midcap Growth COM 464287481 280 2,434 SH   SOLE   2,434 0 0
iShares Russell Midcap Index F COM 464287499 463 5,580 SH   SOLE   5,580 0 0
iShares Russell Midcap Value I COM 464287473 2,413 19,721 SH   SOLE   19,721 0 0
iShares S & P Small Cap 600 Va COM 464287879 482 4,610 SH   SOLE   4,610 0 0
iShares S&P 100 Index ETF COM 464287101 864 3,945 SH   SOLE   3,945 0 0
iShares S&P 500/Barra Growth E COM 464287309 1,121 13,394 SH   SOLE   13,394 0 0
iShares S&P 500/Barra Value ET COM 464287408 2,770 17,687 SH   SOLE   17,687 0 0
iShares S&P Global Healthcare COM 464287325 307 3,400 SH   SOLE   3,400 0 0
iShares S&P Global Technology COM 464287291 7,017 108,980 SH   SOLE   108,980 0 0
iShares S&P Midcap 400/Growth COM 464287606 728 8,541 SH   SOLE   8,541 0 0
iShares S&P Midcap 400/Value E COM 464287705 3,671 33,171 SH   SOLE   33,171 0 0
iShares Silver Trust COM 46428q109 431 20,017 SH   SOLE   20,017 0 0
iShares Trust - iShares Core U COM 464287663 392 5,130 SH   SOLE   5,130 0 0
iShares Trust Core MSCI Total COM 46432F834 364 5,127 SH   SOLE   5,127 0 0
JP Morgan Ultra Short Income F COM 46641q837 1,523 30,170 SH   SOLE   30,170 0 0
PCM Fund, Inc. COM 69323T101 1,647 153,600 SH   SOLE   153,600 0 0
PIMCO 0-5 Yr. High Yield Corp. COM 72201R783 203 2,048 SH   SOLE   2,048 0 0
PIMCO Dynamic Income Opportuni COM 69355M107 7,462 381,475 SH   SOLE   381,475 0 0
PIMCO Short Maturity ETF COM 72201r833 10,191 100,343 SH   SOLE   100,343 0 0
SPDR SSgA Ultra Short Term Bon COM 78467V707 653 16,200 SH   SOLE   16,200 0 0
Vanguard Short-Term Corporate COM 92206c409 447 5,495 SH   SOLE   5,495 0 0
Vanguard Ultra Short Bond ETF COM 92203c303 921 18,435 SH   SOLE   18,435 0 0
iShares Short Maturity Bond ET COM 46431W507 2,544 50,935 SH   SOLE   50,935 0 0