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
ABBOTT LABS COM 002824100 440 5,068 SH   SOLE   0 0 5,068
ADT INC COM 00090q103 285 36,000 SH   SOLE   0 0 36,000
AFLAC INC COM 001055102 476 9,000 SH   SOLE   0 0 9,000
ALPHABET INC CAP STK CL A 02079K305 696 520 SH   SOLE   0 0 520
AMERICAN EXPRESS CO COM 025816109 373 3,000 SH   SOLE   0 0 3,000
APPLE INC COM 037833100 1,169 3,981 SH   SOLE   0 0 3,981
ASBURY AUTOMOTIVE GROUP INC COM 043436104 246 2,200 SH   SOLE   0 0 2,200
BECTON DICKINSON & CO COM 075887109 947 3,482 SH   SOLE   0 0 3,482
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,774 7,834 SH   SOLE   0 0 7,834
BEST BUY INC COM 086516101 263 3,000 SH   SOLE   0 0 3,000
BLACKROCK CALIF MUN INCOME T SH BEN INT 09248E102 288 21,200 SH   SOLE   0 0 21,200
BLACKROCK MUNI INTER DR FD I COM 09253X102 382 26,772 SH   SOLE   0 0 26,772
BLACKROCK MUNIASSETS FD INC COM 09254J102 318 20,986 SH   SOLE   0 0 20,986
BLACKROCK MUNICIPL INC QLTY COM 092479104 2,742 195,214 SH   SOLE   0 0 195,214
BLACKROCK MUNIENHANCED FD IN COM 09253Y100 736 65,918 SH   SOLE   0 0 65,918
BLACKROCK MUNIHLDNGS CALI QL COM 09254L107 476 33,958 SH   SOLE   0 0 33,958
BLACKROCK MUNIHLDNGS QLTY II COM 09254C107 3,168 251,254 SH   SOLE   0 0 251,254
BLACKROCK MUNIHLDS INVSTM QL COM 09254P108 2,412 181,558 SH   SOLE   0 0 181,558
BLACKROCK MUNIHOLDNGS QLTY I COM 09254A101 444 35,324 SH   SOLE   0 0 35,324
BLACKROCK MUNIVEST FD II INC COM 09253T101 818 55,402 SH   SOLE   0 0 55,402
BLACKROCK MUNIVEST FD INC COM 09253R105 650 71,256 SH   SOLE   0 0 71,256
BLACKROCK MUNIY QUALITY FD I COM 09254G108 2,794 214,932 SH   SOLE   0 0 214,932
BLACKROCK MUNIYIELD CALI QLT COM 09254N103 514 36,200 SH   SOLE   0 0 36,200
BLACKROCK MUNIYIELD CALIF FD COM 09254M105 746 52,902 SH   SOLE   0 0 52,902
BLACKROCK MUNIYIELD FD INC COM 09253W104 518 34,920 SH   SOLE   0 0 34,920
BLACKROCK MUNIYIELD QLTY FD COM 09254E103 3,056 226,328 SH   SOLE   0 0 226,328
BLACKROCK MUNIYIELD QUALITY COM 09254F100 898 59,664 SH   SOLE   0 0 59,664
BNY MELLON MUN INCOME INC COM 05589T104 250 28,206 SH   SOLE   0 0 28,206
CHEVRON CORP NEW COM 166764100 1,250 10,374 SH   SOLE   0 0 10,374
CITIGROUP INC COM NEW 172967424 559 7,000 SH   SOLE   0 0 7,000
CNX RESOURCES CORPORATION COM 12653C108 539 50,000 PRN   SOLE   0 0 50,000
COMCAST CORP NEW CL A 20030N101 247 5,489 SH   SOLE   0 0 5,489
CONOCOPHILLIPS COM 20825C104 427 6,572 SH   SOLE   0 0 6,572
DANAHER CORPORATION COM 235851102 307 2,000 SH   SOLE   0 0 2,000
DARDEN RESTAURANTS INC COM 237194105 327 3,000 SH   SOLE   0 0 3,000
DBX ETF TR XTRACK HRVST CSI 233051879 213 7,188 SH   SOLE   0 0 7,188
DBX ETF TR XTRACK MSCI EAFE 233051200 7,253 214,724 SH   SOLE   0 0 214,724
DBX ETF TR XTRACK MSCI EURP 233051853 1,315 42,258 SH   SOLE   0 0 42,258
DBX ETF TR XTRACK USD HIGH 233051432 294 5,831 SH   SOLE   0 0 5,831
DELTA AIR LINES INC DEL COM NEW 247361702 526 9,000 SH   SOLE   0 0 9,000
DENBURY RES INC COM NEW 247916208 71 50,000 SH   SOLE   0 0 50,000
DIREXION SHS ETF TR DLY EMG MK BL 3X 25490K281 1,825 20,416 SH   SOLE   0 0 20,416
DISNEY WALT CO COM DISNEY 254687106 616 4,257 SH   SOLE   0 0 4,257
DWS MUN INCOME TR NEW COM 233368109 2,870 253,326 SH   SOLE   0 0 253,326
EATON CORP PLC SHS G29183103 568 6,000 SH   SOLE   0 0 6,000
EATON VANCE CALIF MUN BD FD COM 27828A100 360 32,002 SH   SOLE   0 0 32,002
EATON VANCE MUN BD FD COM 27827X101 612 47,580 SH   SOLE   0 0 47,580
EOG RES INC COM 26875P101 1,035 12,355 SH   SOLE   0 0 12,355
EXTRACTION OIL AND GAS INC COM 30227m105 98 46,300 SH   SOLE   0 0 46,300
EXXON MOBIL CORP COM 30231G102 1,719 24,628 SH   SOLE   0 0 24,628
FEDERATED PREM MUN INC FD COM 31423P108 788 55,850 SH   SOLE   0 0 55,850
FULTON FINL CORP PA COM 360271100 174 10,000 SH   SOLE   0 0 10,000
GENERAL MTRS CO COM 37045v100 256 7,000 SH   SOLE   0 0 7,000
GILEAD SCIENCES INC COM 375558103 390 6,000 SH   SOLE   0 0 6,000
GLOBAL PMTS INC COM 37940x102 456 2,500 SH   SOLE   0 0 2,500
GLOBAL X FDS GLBX MSCI COLUM 37950E200 290 29,422 SH   SOLE   0 0 29,422
GLOBAL X FDS MSCI GREECE ETF 37950E366 355 35,008 SH   SOLE   0 0 35,008
HOLLYFRONTIER CORP COM 436106108 304 6,000 SH   SOLE   0 0 6,000
HOME DEPOT INC COM 437076102 470 2,151 SH   SOLE   0 0 2,151
HP INC COM 40434L105 308 15,000 SH   SOLE   0 0 15,000
HUNTINGTON BANCSHARES INC COM 446150104 241 16,000 SH   SOLE   0 0 16,000
INGERSOLL-RAND PLC SHS g47791101 429 3,227 SH   SOLE   0 0 3,227
INTEL CORP COM 458140100 419 7,000 SH   SOLE   0 0 7,000
INTERCONTINENTAL EXCHANGE IN COM 45866F104 463 5,000 SH   SOLE   0 0 5,000
INTERNATIONAL BUSINESS MACHS COM 459200101 248 1,848 SH   SOLE   0 0 1,848
INVESCO ADVANTAGE MUNICIPAL SH BEN INT 46132E103 562 50,284 SH   SOLE   0 0 50,284
INVESCO EXCHNG TRADED FD TR FTSE RAFI EMNG 46138E727 618 27,705 SH   SOLE   0 0 27,705
INVESCO MUN OPPORTUNITY TR COM 46132C107 472 38,172 SH   SOLE   0 0 38,172
INVESCO MUN TR COM 46131J103 250 20,206 SH   SOLE   0 0 20,206
INVESCO QQQ TR UNIT SER 1 46090E103 425 2,000 SH   SOLE   0 0 2,000
INVESCO TR INVT GRADE MUNS COM 46131M106 473 36,790 SH   SOLE   0 0 36,790
INVESCO VALUE MUN INCOME TR COM 46132P108 450 29,364 SH   SOLE   0 0 29,364
ISHARES GOLD TRUST ISHARES 464285105 5,101 351,792 SH   SOLE   0 0 351,792
ISHARES INC MIN VOL GBL ETF 464286525 15,920 166,130 SH   SOLE   0 0 166,130
ISHARES INC MSCI BRAZIL ETF 464286400 514 10,838 SH   SOLE   0 0 10,838
ISHARES INC MSCI FRNTR100ETF 464286145 287 9,460 SH   SOLE   0 0 9,460
ISHARES INC MSCI HONG KG ETF 464286871 284 11,662 SH   SOLE   0 0 11,662
ISHARES INC MSCI MEXICO ETF 464286822 345 7,656 SH   SOLE   0 0 7,656
ISHARES INC MSCI TAIWAN ETF 46434G772 372 9,047 SH   SOLE   0 0 9,047
ISHARES TR CHINA LG-CAP ETF 464287184 447 10,247 SH   SOLE   0 0 10,247
ISHARES TR CORE HIGH DV ETF 46429B663 3,919 39,963 SH   SOLE   0 0 39,963
ISHARES TR CORE S&P TTL STK 464287150 3,780 52,000 SH   SOLE   0 0 52,000
ISHARES TR CORE S&P500 ETF 464287200 226 699 SH   SOLE   0 0 699
ISHARES TR INTL MOMENTUM FT 46434V449 6,909 221,655 SH   SOLE   0 0 221,655
ISHARES TR INTL QLTY FACTOR 46434V456 8,661 268,223 SH   SOLE   0 0 268,223
ISHARES TR INTL SEL DIV ETF 464288448 2,973 88,558 SH   SOLE   0 0 88,558
ISHARES TR MIN VOL EAFE ETF 46429B689 321 4,300 SH   SOLE   0 0 4,300
ISHARES TR MSCI INDIA ETF 46429B598 281 7,995 SH   SOLE   0 0 7,995
ISHARES TR MSCI MIN VOL ETF 46429B697 326 4,970 SH   SOLE   0 0 4,970
ISHARES TR MSCI PERU ETF 464289842 363 9,805 SH   SOLE   0 0 9,805
ISHARES TR MSCI PHILIPS ETF 46429B408 202 5,898 SH   SOLE   0 0 5,898
ISHARES TR RUS 1000 GRW ETF 464287614 815 4,635 SH   SOLE   0 0 4,635
ISHARES TR RUSSELL 2000 ETF 464287655 331 2,000 SH   SOLE   0 0 2,000
ISHARES TR S&P SML 600 GWT 464287887 222 1,150 SH   SOLE   0 0 1,150
ISHARES TR U.S. ENERGY ETF 464287796 3,007 93,603 SH   SOLE   0 0 93,603
ISHARES TR USA MOMENTUM FCT 46432F396 7,500 59,731 SH   SOLE   0 0 59,731
ISHARES TR USA QUALITY FCTR 46432F339 26,832 265,662 SH   SOLE   0 0 265,662
JOHNSON & JOHNSON COM 478160104 1,075 7,368 SH   SOLE   0 0 7,368
JPMORGAN CHASE & CO COM 46625H100 724 5,196 SH   SOLE   0 0 5,196
KEYCORP NEW COM 493267108 304 15,000 SH   SOLE   0 0 15,000
KNIGHT SWIFT TRANSN HLDGS IN CL A 499049104 394 11,000 SH   SOLE   0 0 11,000
KOHLS CORP COM 500255104 306 6,000 SH   SOLE   0 0 6,000
LANNET INC COM 516012101 230 26,078 SH   SOLE   0 0 26,078
LAUDER ESTEE COS INC CL A 518439104 413 2,000 SH   SOLE   0 0 2,000
LOCKHEED MARTIN CORP COM 539830109 389 1,000 SH   SOLE   0 0 1,000
MARKEL CORP COM 570535104 349 305 SH   SOLE   0 0 305
MARTIN MARIETTA MATLS INC COM 573284106 688 2,458 SH   SOLE   0 0 2,458
MBIA INC COM 55262c100 372 40,000 SH   SOLE   0 0 40,000
MCDONALDS CORP COM 580135101 1,339 6,773 SH   SOLE   0 0 6,773
METLIFE INC COM 59156r108 357 7,000 SH   SOLE   0 0 7,000
MFS INVT GRADE MUN TR SH BEN INT 59318B108 388 39,690 SH   SOLE   0 0 39,690
MICROSOFT CORP COM 594918104 1,135 7,198 SH   SOLE   0 0 7,198
NETFLIX INC COM 64110L106 352 1,089 SH   SOLE   0 0 1,089
NEUBERGER BRMAN NY MUNI FD I COM 64124K102 406 32,504 SH   SOLE   0 0 32,504
NEWELL BRANDS INC COM 651229106 384 20,000 SH   SOLE   0 0 20,000
NEXTERA ENERGY INC COM 65339F101 376 1,553 SH   SOLE   0 0 1,553
NUVEEN AMT-FREE MUN VALUE FD COM 670695105 478 29,532 SH   SOLE   0 0 29,532
NUVEEN CA QUALTY MUN INCOME COM 67066Y105 334 22,432 SH   SOLE   0 0 22,432
NUVEEN CALIFORNIA AMT QLT MU COM 670651108 500 32,824 SH   SOLE   0 0 32,824
NUVEEN GEORGIA QLTY MUN INC COM 67072B107 440 34,928 SH   SOLE   0 0 34,928
NUVEEN NEW YORK AMT QLT MUNI COM 670656107 284 21,000 SH   SOLE   0 0 21,000
OCCIDENTAL PETE CORP COM 674599105 495 12,000 SH   SOLE   0 0 12,000
ONEMAIN HLDGS INC COM 68268w103 337 8,000 SH   SOLE   0 0 8,000
PEABODY ENERGY CORP NEW COM 704551100 365 40,000 SH   SOLE   0 0 40,000
PEPSICO INC COM 713448108 768 5,619 SH   SOLE   0 0 5,619
PHILLIPS 66 COM 718546104 446 4,000 SH   SOLE   0 0 4,000
PIONEER MUN HIGH INCOME ADV COM 723762100 2,062 190,828 SH   SOLE   0 0 190,828
PIONEER MUN HIGH INCOME TR COM SHS 723763108 476 39,332 SH   SOLE   0 0 39,332
PROCTER & GAMBLE CO COM 742718109 820 6,561 SH   SOLE   0 0 6,561
PRUDENTIAL FINL INC COM 744320102 375 4,000 SH   SOLE   0 0 4,000
QUALCOMM INC COM 747525103 248 2,815 SH   SOLE   0 0 2,815
ROSS STORES INC COM 778296103 349 3,000 SH   SOLE   0 0 3,000
SABINE ROYALTY TR UNIT BEN INT 785688102 202 5,004 SH   SOLE   0 0 5,004
SCHWAB STRATEGIC TR 1000 INDEX ETF 808524722 374 11,857 SH   SOLE   0 0 11,857
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771 18,676 437,574 SH   SOLE   0 0 437,574
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763 4,757 118,205 SH   SOLE   0 0 118,205
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730 18,779 629,329 SH   SOLE   0 0 629,329
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755 13,966 390,043 SH   SOLE   0 0 390,043
SCHWAB STRATEGIC TR SCHWB FDT INT SC 808524748 3,072 92,404 SH   SOLE   0 0 92,404
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 720 13,475 SH   SOLE   0 0 13,475
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 1,066 18,396 SH   SOLE   0 0 18,396
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 779 8,388 SH   SOLE   0 0 8,388
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 779 10,145 SH   SOLE   0 0 10,145
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 229 3,801 SH   SOLE   0 0 3,801
SELECT ENERGY SVCS INC CL A COM 81617j301 186 20,000 SH   SOLE   0 0 20,000
SIRIUS XM HLDGS INC COM 82968b103 286 40,000 SH   SOLE   0 0 40,000
SOUTHWEST AIRLS CO COM 844741108 823 15,234 SH   SOLE   0 0 15,234
SPDR S&P 500 ETF TR TR UNIT 78462F103 564 1,752 SH   SOLE   0 0 1,752
SPDR SERIES TRUST NUVEEN BLMBRG SR 78468R739 678 13,797 SH   SOLE   0 0 13,797
SPDR SERIES TRUST PORTFOLIO LR ETF 78464A854 783 20,715 SH   SOLE   0 0 20,715
SPDR SERIES TRUST PRTFLO S&P500 HI 78468R788 497 12,597 SH   SOLE   0 0 12,597
STARBUCKS CORP COM 855244109 309 3,514 SH   SOLE   0 0 3,514
TARGET CORP COM 87612E106 513 4,000 SH   SOLE   0 0 4,000
TEGNA INC COM 87901j105 367 22,000 SH   SOLE   0 0 22,000
TEXAS INSTRS INC COM 882508104 454 3,535 SH   SOLE   0 0 3,535
TRUIST FINL CORP COM 89832q109 292 5,180 SH   SOLE   0 0 5,180
UDR INC COM 902653104 469 10,050 SH   SOLE   0 0 10,050
UNION PACIFIC CORP COM 907818108 470 2,600 SH   SOLE   0 0 2,600
UNITED AIRLINES HLDGS INC COM 910047109 352 4,000 SH   SOLE   0 0 4,000
UNITED TECHNOLOGIES CORP COM 913017109 342 2,283 SH   SOLE   0 0 2,283
UNITEDHEALTH GROUP INC COM 91324p102 441 1,500 SH   SOLE   0 0 1,500
VANECK VECTORS ETF TR JP MORGAN MKTS 92189H300 3,432 100,898 SH   SOLE   0 0 100,898
VANECK VECTORS ETF TRUST RUSSIA ETF 92189F403 465 18,630 SH   SOLE   0 0 18,630
VANGUARD BD INDEX FD INC LONG TERM BOND 921937793 2,384 23,761 SH   SOLE   0 0 23,761
VANGUARD BD INDEX FD INC SHORT TRM BOND 921937827 8,387 104,043 SH   SOLE   0 0 104,043
VANGUARD BD INDEX FD INC TOTAL BND MRKT 921937835 11,273 134,422 SH   SOLE   0 0 134,422
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 3,492 61,712 SH   SOLE   0 0 61,712
VANGUARD INDEX FDS MID CAP ETF 922908629 441 2,473 SH   SOLE   0 0 2,473
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 425 4,582 SH   SOLE   0 0 4,582
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 296 1,000 SH   SOLE   0 0 1,000
VANGUARD INDEX FDS TOTAL STK MKT 922908769 262 1,600 SH   SOLE   0 0 1,600
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676 3,174 53,722 SH   SOLE   0 0 53,722
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 50,587 624,606 SH   SOLE   0 0 624,606
VANGUARD MUN BD FD INC TAX EXEMPT BD 922907746 3,400 63,498 SH   SOLE   0 0 63,498
VANGUARD STAR FD VG TL INTL STK F 921909768 221 3,962 SH   SOLE   0 0 3,962
VANGUARD WHITEHALL FDS INC EMERG MKT BD ETF 921946885 2,136 26,234 SH   SOLE   0 0 26,234
VANGUARD WHITEHALL FDS INC HIGH DIV YLD 921946406 1,208 12,892 SH   SOLE   0 0 12,892
VIAVI SOLUTIONS INC COM 925550105 500 33,359 SH   SOLE   0 0 33,359
VISA INC COM CL A 92826C839 813 4,326 SH   SOLE   0 0 4,326
VISHAY INTERTECHNOLOGY INC COM 928298108 341 16,000 SH   SOLE   0 0 16,000
WALMART INC COM 931142103 280 2,352 SH   SOLE   0 0 2,352
WELLS FARGO CO NEW COM 949746101 323 6,000 SH   SOLE   0 0 6,000
WESTERN ASSET INTM MUNI FD I COM 958435109 2,002 220,402 SH   SOLE   0 0 220,402
WESTERN ASSET MUN HI INCM FD COM 95766N103 156 20,600 SH   SOLE   0 0 20,600
WESTERN ASST MNGD MUN FD INC COM 95766M105 554 41,520 SH   SOLE   0 0 41,520
WHITE MTNS INS GROUP LTD COM g9618e107 446 400 SH   SOLE   0 0 400
WISDOMTREE TR EMER MKT HIGH FD 97717W315 516 11,280 SH   SOLE   0 0 11,280
WISDOMTREE TR US LARGECAP DIVD 97717W307 406 3,835 SH   SOLE   0 0 3,835
XEROX HOLDINGS CORP COM NEW 98421M106 277 7,500 SH   SOLE   0 0 7,500
YUM BRANDS INC COM 988498101 302 3,000 SH   SOLE   0 0 3,000