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
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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 CO COM 88579Y101 493 2,794 SH   SOLE   2,794 0 0
ABERDEEN ASIA PACIFIC INCOM COM 003009107 85 20,000 SH   SOLE   0 0 20,000
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 219 1,039 SH   SOLE   939 0 100
ALPHABET INC CAP STK CL C 02079K107 249 186 SH   SOLE   186 0 0
AMAZON COM INC COM 023135106 734 397 SH   SOLE   362 0 35
AMERICAN EXPRESS CO COM 025816109 274 2,200 SH   SOLE   2,200 0 0
AMERICAN TOWER CORP NEW COM 03027X100 424 1,847 SH   SOLE   1,847 0 0
APPLE INC COM 037833100 4,228 14,399 SH   SOLE   14,155 0 244
ARK ETF TR INNOVATION ETF 00214Q104 1,908 38,115 SH   SOLE   33,104 0 5,011
AT&T INC COM 00206R102 388 9,920 SH   SOLE   8,666 0 1,254
BANK AMER CORP COM 060505104 370 10,510 SH   SOLE   9,810 0 700
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 2,378 10,499 SH   SOLE   9,825 0 674
BOEING CO COM 097023105 367 1,126 SH   SOLE   1,056 0 70
CAPITAL ONE FINL CORP COM 14040H105 247 2,400 SH   SOLE   2,400 0 0
CATERPILLAR INC DEL COM 149123101 246 1,667 SH   SOLE   1,667 0 0
CISCO SYS INC COM 17275R102 291 6,075 SH   SOLE   6,075 0 0
DANAHER CORPORATION COM 235851102 490 3,190 SH   SOLE   3,190 0 0
DISNEY WALT CO COM DISNEY 254687106 376 2,603 SH   SOLE   1,703 0 900
ENBRIDGE INC COM 29250N105 223 5,613 SH   SOLE   5,613 0 0
EXXON MOBIL CORP COM 30231G102 226 3,245 SH   SOLE   2,945 0 300
FACEBOOK INC CL A 30303M102 529 2,577 SH   SOLE   2,577 0 0
FORD MTR CO DEL COM 345370860 170 18,270 SH   SOLE   8,270 0 10,000
GENERAL ELECTRIC CO COM 369604103 125 11,222 SH   SOLE   11,222 0 0
HANCOCK JOHN INVS TR COM 410142103 180 10,139 SH   SOLE   10,139 0 0
INTEL CORP COM 458140100 1,518 25,358 SH   SOLE   24,823 0 535
INTUIT COM 461202103 830 3,168 SH   SOLE   3,168 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 7,677 66,343 SH   SOLE   62,734 0 3,609
INVESCO EXCHNG TRADED FD TR S&P500 LOW VOL 46138E354 233 4,000 SH   SOLE   0 0 4,000
ISHARES TR EXPONENTIAL TECH 46434V381 12,283 287,249 SH   SOLE   278,574 0 8,675
ISHARES TR S&P 500 GRWT ETF 464287309 772 3,988 SH   SOLE   3,988 0 0
ISHARES TR RUS MID CAP ETF 464287499 507 8,500 SH   SOLE   8,500 0 0
ISHARES TR RUS 1000 VAL ETF 464287598 481 3,526 SH   SOLE   3,418 0 108
ISHARES TR RUS 1000 GRW ETF 464287614 474 2,697 SH   SOLE   2,697 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 457 2,757 SH   SOLE   2,214 0 543
ISHARES TR CORE S&P500 ETF 464287200 457 1,413 SH   SOLE   1,413 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 390 8,688 SH   SOLE   8,688 0 0
ISHARES TR MSCI EAFE ETF 464287465 307 4,414 SH   SOLE   4,196 0 218
ISHARES TR CORE S&P MCP ETF 464287507 266 1,292 SH   SOLE   1,292 0 0
ISHARES TR ESG MSCI USA ETF 46435G425 231 3,240 SH   SOLE   3,240 0 0
ISHARES TR US HLTHCARE ETF 464287762 210 975 SH   SOLE   975 0 0
JOHNSON & JOHNSON COM 478160104 478 3,277 SH   SOLE   1,771 0 1,506
JP MORGAN EXCHANGE TRADED FD ULTRA SHRT INC 46641Q837 57,132 1,132,887 SH   SOLE   1,096,851 0 36,036
JPMORGAN CHASE & CO COM 46625H100 866 6,211 SH   SOLE   5,805 0 406
LINDE PLC SHS G5494J103 467 2,195 SH   SOLE   2,195 0 0
MARSH & MCLENNAN COS INC COM 571748102 355 3,190 SH   SOLE   3,190 0 0
MASTERCARD INC CL A 57636Q104 514 1,720 SH   SOLE   1,620 0 100
MICROSOFT CORP COM 594918104 2,398 15,208 SH   SOLE   14,644 0 564
NEXTERA ENERGY INC COM 65339F101 338 1,396 SH   SOLE   1,396 0 0
NORFOLK SOUTHERN CORP COM 655844108 303 1,560 SH   SOLE   1,560 0 0
PROCTER & GAMBLE CO COM 742718109 698 5,591 SH   SOLE   4,915 0 676
RAYTHEON CO COM NEW 755111507 380 1,731 SH   SOLE   1,731 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 2,641 78,535 SH   SOLE   78,535 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 2,487 32,347 SH   SOLE   32,347 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 967 35,315 SH   SOLE   35,315 0 0
SCHWAB STRATEGIC TR US REIT ETF 808524847 943 20,520 SH   SOLE   20,520 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 706 13,206 SH   SOLE   13,206 0 0
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 503 9,965 SH   SOLE   9,965 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 200 3,324 SH   SOLE   3,324 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 7,327 22,764 SH   SOLE   21,910 0 854
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 365 974 SH   SOLE   974 0 0
SPDR SERIES TRUST PORTFOLIO AGRGTE 78464A649 274 9,327 SH   SOLE   8,969 0 358
STARBUCKS CORP COM 855244109 354 4,024 SH   SOLE   2,304 0 1,720
TEXAS INSTRS INC COM 882508104 290 2,260 SH   SOLE   2,260 0 0
UNION PACIFIC CORP COM 907818108 592 3,276 SH   SOLE   3,010 0 266
VANGUARD BD INDEX FD INC SHORT TRM BOND 921937827 3,411 42,309 SH   SOLE   41,141 0 1,168
VANGUARD BD INDEX FD INC TOTAL BND MRKT 921937835 1,539 18,350 SH   SOLE   17,825 0 525
VANGUARD BD INDEX FD INC INTERMED TERM 921937819 861 9,869 SH   SOLE   9,229 0 640
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 27,704 298,571 SH   SOLE   288,041 0 10,530
VANGUARD INDEX FDS MID CAP ETF 922908629 7,018 39,386 SH   SOLE   37,491 0 1,895
VANGUARD INDEX FDS TOTAL STK MKT 922908769 2,872 17,554 SH   SOLE   16,539 0 1,015
VANGUARD INDEX FDS GROWTH ETF 922908736 2,068 11,355 SH   SOLE   10,913 0 442
VANGUARD INDEX FDS SMALL CP ETF 922908751 1,183 7,145 SH   SOLE   6,848 0 297
VANGUARD INDEX FDS VALUE ETF 922908744 481 4,014 SH   SOLE   2,748 0 1,266
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 3,255 73,189 SH   SOLE   70,346 0 2,843
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 664 13,480 SH   SOLE   13,480 0 0
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 2,358 53,526 SH   SOLE   41,634 0 11,892
VANGUARD WHITEHALL FDS INC HIGH DIV YLD 921946406 300 3,205 SH   SOLE   3,205 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 277 4,515 SH   SOLE   4,515 0 0
VISA INC COM CL A 92826C839 534 2,840 SH   SOLE   2,840 0 0
WALMART INC COM 931142103 781 6,568 SH   SOLE   6,568 0 0
WELLS FARGO CO NEW COM 949746101 242 4,500 SH   SOLE   800 0 3,700
WESTERN ASSET HIGH INCM OPP COM 95766K109 94 18,450 SH   SOLE   18,450 0 0