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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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ALPHABET INC CAP STK CL A 02079K305   216,496 1,400 SH   SOLE   0 0 1,400
AMAZON COM INC COM 023135106   434,554 2,284 SH   SOLE   0 0 2,284
APPLE INC COM 037833100   300,351 1,352 SH   SOLE   0 0 1,352
FORD MTR CO COM 345370860   138,414 13,800 SH   SOLE   0 0 13,800
INNOVATOR ETFS TRUST LADDERED ALC BFR 45783Y756   494,551 15,740 SH   SOLE   0 0 15,740
ISHARES GOLD TR ISHARES NEW 464285204   297,689 5,049 SH   SOLE   0 0 5,049
ISHARES TR CORE S&P TTL STK 464287150   414,834 3,400 SH   SOLE   0 0 3,400
ISHARES TR CORE S&P500 ETF 464287200   48,077,128 85,562 SH   SOLE   0 0 85,562
ISHARES TR CORE US AGGBD ET 464287226   7,175,220 72,536 SH   SOLE   0 0 72,536
ISHARES TR MSCI EAFE ETF 464287465   532,303 6,513 SH   SOLE   0 0 6,513
ISHARES TR CORE S&P MCP ETF 464287507   12,922,535 221,466 SH   SOLE   0 0 221,466
ISHARES TR RUS 1000 ETF 464287622   3,462,788 11,289 SH   SOLE   0 0 11,289
ISHARES TR CORE S&P SCP ETF 464287804   2,911,611 27,844 SH   SOLE   0 0 27,844
ISHARES TR NATIONAL MUN ETF 464288414   2,249,784 21,337 SH   SOLE   0 0 21,337
ISHARES TR IBOXX HI YD ETF 464288513   654,843 8,301 SH   SOLE   0 0 8,301
ISHARES TR EAFE GRWTH ETF 464288885   1,819,290 18,193 SH   SOLE   0 0 18,193
ISHARES TR CORE 40/60 MODER 464289875   266,380 6,071 SH   SOLE   0 0 6,071
ISHARES INC CORE MSCI EMKT 46434G103   1,847,833 34,238 SH   SOLE   0 0 34,238
LITMAN GREGORY FDS TR IMGP DBI MANAGED 53700T827   2,334,710 92,427 SH   SOLE   0 0 92,427
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109   207,421 494 SH   SOLE   0 0 494
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   247,504 11,209 SH   SOLE   0 0 11,209
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   203,025 7,261 SH   SOLE   0 0 7,261
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   264,820 11,434 SH   SOLE   0 0 11,434
VANGUARD INDEX FDS GROWTH ETF 922908736   528,419 1,425 SH   SOLE   0 0 1,425
VANGUARD INDEX FDS VALUE ETF 922908744   368,109 2,131 SH   SOLE   0 0 2,131