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
APPLE INC COM 037833100 327 1,458 SH   SOLE   0 0 1,458
BLACKROCK CORPOR HI YLD FD I COM 09255P107 136 12,683 SH   SOLE   0 0 12,683
BLACKROCK MUNIYLD MICH QLTY COM 09254V105 240 17,111 SH   SOLE   0 0 17,111
CROWDSTRIKE HLDGS INC CL A 22788C105 525 9,000 SH   SOLE   0 0 9,000
CROWDSTRIKE HLDGS INC CL A 22788C105 60 15,000 SH Call SOLE   0 0 15,000
DBX ETF TR XTRACK USD HIGH 233051432 1,356 27,071 SH   SOLE   0 0 27,071
DIREXION SHS ETF TR DLY SMCAP BULL3X 25459W847 835 15,000 SH   SOLE   0 0 15,000
DIREXION SHS ETF TR DRX S&P500BULL 25459W862 18 350 SH   SOLE   0 0 350
DIREXION SHS ETF TR SP BIOTCH BL NEW 25490K323 464 15,000 SH   SOLE   0 0 15,000
GW PHARMACEUTICALS PLC ADS 36197T103 345 3,000 SH   SOLE   0 0 3,000
ISHARES INC CORE MSCI EMKT 46434G103 261 5,315 SH   SOLE   0 0 5,315
ISHARES INC MSCI GBL GOLD MN 46434G855 119 5,515 SH   SOLE   0 0 5,515
ISHARES TR CORE MSCI EAFE 46432F842 276 4,518 SH   SOLE   0 0 4,518
ISHARES TR CORE S&P MCP ETF 464287507 314 1,627 SH   SOLE   0 0 1,627
ISHARES TR CORE S&P SCP ETF 464287804 548 7,038 SH   SOLE   0 0 7,038
ISHARES TR CORE S&P TTL STK 464287150 20 298 SH   SOLE   0 0 298
ISHARES TR CORE S&P500 ETF 464287200 1,611 5,396 SH   SOLE   0 0 5,396
ISHARES TR CORE US AGGBD ET 464287226 153 1,354 SH   SOLE   0 0 1,354
ISHARES TR IBOXX INV CP ETF 464287242 195 1,531 SH   SOLE   0 0 1,531
ISHARES TR RUS 1000 GRW ETF 464287614 9 58 SH   SOLE   0 0 58
NUTANIX INC CL A 67059N108 788 30,000 SH   SOLE   0 0 30,000
NUVEEN AMT FREE MUN CR INC F COM 67071L106 393 23,496 SH   SOLE   0 0 23,496
NUVEEN AMT FREE QLTY MUN INC COM 670657105 283 19,779 SH   SOLE   0 0 19,779
NUVEEN CR STRATEGIES INCM FD COM SHS 67073D102 119 15,943 SH   SOLE   0 0 15,943
NUVEEN QUALITY MUNCP INCOME COM 67066V101 390 27,178 SH   SOLE   0 0 27,178
PIMCO ETF TR INV GRD CRP BD 72201R817 1,347 12,275 SH   SOLE   0 0 12,275
ROKU INC COM CL A 77543R102 509 5,000 SH   SOLE   0 0 5,000
ROKU INC COM CL A 77543R102 53 28,500 SH Call SOLE   0 0 28,500
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 1,252 49,816 SH   SOLE   0 0 49,816
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 1,305 40,965 SH   SOLE   0 0 40,965
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 2,304 42,783 SH   SOLE   0 0 42,783
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 43,939 618,682 SH   SOLE   0 0 618,682
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 5,931 70,598 SH   SOLE   0 0 70,598
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 86,951 1,532,724 SH   SOLE   0 0 1,532,724
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 4,004 56,449 SH   SOLE   0 0 56,449
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 1,595 28,217 SH   SOLE   0 0 28,217
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 2,380 34,131 SH   SOLE   0 0 34,131
SLACK TECHNOLOGIES INC COM CL A 83088V102 712 30,000 SH   SOLE   0 0 30,000
SPDR INDEX SHS FDS DJ GLB RL ES ETF 78463X749 936 18,040 SH   SOLE   0 0 18,040
SPDR SERIES TRUST OILGAS EQUIP 78464A748 1 79 SH   SOLE   0 0 79
SPDR SERIES TRUST PORTFOLIO LN TSR 78464A664 2,732 66,592 SH   SOLE   0 0 66,592
SPROTT ETF TR GOLD MINERS ETF 85210B102 879 38,402 SH   SOLE   0 0 38,402
TWILIO INC CL A 90138F102 54 24,000 SH Call SOLE   0 0 24,000