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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ABBOTT LABS COM 002824100   501,710 4,602 SH   SOLE 0 0 0 4,602
ALPHABET INC CAP STK CL A 02079K305   1,053,360 8,800 SH   SOLE 0 0 0 8,800
AMERICAN AIRLS GROUP INC COM 02376R102   263,933 14,712 SH   SOLE 0 0 0 14,712
APPLE INC COM 037833100   1,115,770 5,752 SH   SOLE 0 0 0 5,752
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   916,608 2,688 SH   SOLE 0 0 0 2,688
BLACKROCK INVT QUALITY MUN T COM 09247D105   1,883,827 161,980 SH   SOLE 0 0 0 161,980
BLACKROCK MUN INCOME TR SH BEN INT 09248F109   1,480,324 148,926 SH   SOLE 0 0 0 148,926
BLACKROCK MUNI INCOME TR II COM 09249N101   1,360,327 130,675 SH   SOLE 0 0 0 130,675
BLACKROCK MUNIHOLDINGS FD IN COM 09253N104   363,670 31,270 SH   SOLE 0 0 0 31,270
BLACKROCK MUNIHOLDINGS QUALI COM 09254C107   263,665 27,154 SH   SOLE 0 0 0 27,154
BLACKROCK MUNIVEST FD II INC COM 09253T101   1,095,613 103,068 SH   SOLE 0 0 0 103,068
BLACKROCK MUNIVEST FD INC COM 09253R105   334,326 49,677 SH   SOLE 0 0 0 49,677
BLACKROCK MUNIYIELD QUALITY COM 09254G108   116,626 11,593 SH   SOLE 0 0 0 11,593
BLACKROCK TAX MUNICPAL BD TR SHS 09248X100   497,003 29,958 SH   SOLE 0 0 0 29,958
BNY MELLON MUN BD INFRASTRUC COM SHS 09662W109   356,982 33,146 SH   SOLE 0 0 0 33,146
BNY MELLON MUN INCOME INC COM 05589T104   105,546 16,780 SH   SOLE 0 0 0 16,780
BNY MELLON STRATEGIC MUNS IN COM 05588W108   303,835 48,848 SH   SOLE 0 0 0 48,848
CHEVRON CORP NEW COM 166764100   1,212,696 7,707 SH   SOLE 0 0 0 7,707
CONOCOPHILLIPS COM 20825C104   564,675 5,450 SH   SOLE 0 0 0 5,450
DANAHER CORPORATION COM 235851102   299,760 1,249 SH   SOLE 0 0 0 1,249
DISNEY WALT CO COM 254687106   304,736 3,413 SH   SOLE 0 0 0 3,413
DWS STRATEGIC MUN INCOME TR COM 23342Q101   532,510 62,759 SH   SOLE 0 0 0 62,759
EOG RES INC COM 26875P101   647,845 5,661 SH   SOLE 0 0 0 5,661
EXXON MOBIL CORP COM 30231G102   1,520,376 14,176 SH   SOLE 0 0 0 14,176
FEDERATED HERMES PREM MUNI I COM 31423P108   987,708 92,917 SH   SOLE 0 0 0 92,917
GOLDMAN SACHS GROUP INC COM 38141G104   354,794 1,100 SH   SOLE 0 0 0 1,100
INVESCO EXCH TRADED FD TR II NATL AMT MUNI 46138E537   12,769,417 541,077 SH   SOLE 0 0 0 541,077
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354   233,528 3,718 SH   SOLE 0 0 0 3,718
ISHARES GOLD TR ISHARES NEW 464285204   4,578,190 125,809 SH   SOLE 0 0 0 125,809
ISHARES INC MSCI GBL MIN VOL 464286525   15,844,688 161,590 SH   SOLE 0 0 0 161,590
ISHARES INC MSCI GBL ETF NEW 46434G848   3,371,855 83,338 SH   SOLE 0 0 0 83,338
ISHARES INC CORE MSCI EMKT 46434G103   8,530,697 173,072 SH   SOLE 0 0 0 173,072
ISHARES TR MSCI EAFE MIN VL 46429B689   290,250 4,300 SH   SOLE 0 0 0 4,300
ISHARES TR SHRT NAT MUN ETF 464288158   1,719,989 16,532 SH   SOLE 0 0 0 16,532
ISHARES TR NEW YORK MUN ETF 464288323   251,121 4,715 SH   SOLE 0 0 0 4,715
ISHARES TR MSCI USA QLT FCT 46432F339   1,137,089 8,431 SH   SOLE 0 0 0 8,431
ISHARES TR MSCI INTL MOMENT 46434V449   1,026,976 30,933 SH   SOLE 0 0 0 30,933
ISHARES TR MSCI INTL QUALTY 46434V456   5,495,797 154,376 SH   SOLE 0 0 0 154,376
ISHARES TR MSCI INTL VLU FT 46435G409   12,575,049 494,108 SH   SOLE 0 0 0 494,108
ISHARES TR INTL DIV GRWTH 46435G524   1,383,232 22,303 SH   SOLE 0 0 0 22,303
ISHARES TR 0-3 MNTH TREASRY 46436E718   8,520,136 84,668 SH   SOLE 0 0 0 84,668
ISHARES TR NATIONAL MUN ETF 464288414   91,939,784 861,424 SH   SOLE 0 0 0 861,424
ISHARES TR MBS ETF 464288588   4,506,769 48,322 SH   SOLE 0 0 0 48,322
ISHARES TR S&P SML 600 GWT 464287887   264,339 2,300 SH   SOLE 0 0 0 2,300
ISHARES TR CORE S&P500 ETF 464287200   2,074,780 4,655 SH   SOLE 0 0 0 4,655
ISHARES TR RUS 1000 GRW ETF 464287614   718,220 2,610 SH   SOLE 0 0 0 2,610
ISHARES TR CORE S&P US GWT 464287671   1,738,187 17,802 SH   SOLE 0 0 0 17,802
JOHNSON & JOHNSON COM 478160104   314,488 1,900 SH   SOLE 0 0 0 1,900
JPMORGAN CHASE & CO COM 46625H100   434,429 2,987 SH   SOLE 0 0 0 2,987
MCDONALDS CORP COM 580135101   731,105 2,450 SH   SOLE 0 0 0 2,450
MICROSOFT CORP COM 594918104   1,192,571 3,502 SH   SOLE 0 0 0 3,502
NETFLIX INC COM 64110L106   303,498 689 SH   SOLE 0 0 0 689
NEUBERGER BERMAN MUN FD INC COM 64124P101   132,972 12,935 SH   SOLE 0 0 0 12,935
NUVEEN AMT FREE MUN CR INC F COM 67071L106   1,079,220 92,241 SH   SOLE 0 0 0 92,241
NUVEEN ARIZONA QLTY MUN INC COM 67061W104   255,463 23,764 SH   SOLE 0 0 0 23,764
NUVEEN MINN QUALITY MUN INM SHS 670734102   125,630 11,237 SH   SOLE 0 0 0 11,237
NUVEEN MUNICIPAL CREDIT INC COM SH BEN INT 67070X101   1,261,169 108,162 SH   SOLE 0 0 0 108,162
NUVEEN QUALITY MUNCP INCOME COM 67066V101   166,661 14,788 SH   SOLE 0 0 0 14,788
NUVEEN VIRGINIA QLTY MUNCPL COM 67064R102   276,850 25,658 SH   SOLE 0 0 0 25,658
PEPSICO INC COM 713448108   461,568 2,492 SH   SOLE 0 0 0 2,492
PIMCO CALIF MUN INCOME FD COM 72200N106   2,808,660 286,598 SH   SOLE 0 0 0 286,598
PIMCO CALIF MUN INCOME FD II COM 72200M108   882,938 148,393 SH   SOLE 0 0 0 148,393
PIMCO MUN INCOME FD II COM 72200W106   557,226 61,640 SH   SOLE 0 0 0 61,640
PIMCO NEW YORK MUN FD II COM 72200Y102   98,974 13,040 SH   SOLE 0 0 0 13,040
PIMCO NEW YORK MUN INCOME FD COM 72201E105   337,471 53,652 SH   SOLE 0 0 0 53,652
PIONEER NAT RES CO COM 723787107   369,609 1,784 SH   SOLE 0 0 0 1,784
QUALCOMM INC COM 747525103   298,314 2,506 SH   SOLE 0 0 0 2,506
SABINE RTY TR UNIT BEN INT 785688102   224,839 3,417 SH   SOLE 0 0 0 3,417
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730   1,392,656 52,023 SH   SOLE 0 0 0 52,023
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755   5,562,017 172,252 SH   SOLE 0 0 0 172,252
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771   329,300 5,720 SH   SOLE 0 0 0 5,720
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   6,452,223 261,966 SH   SOLE 0 0 0 261,966
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   6,548,382 87,370 SH   SOLE 0 0 0 87,370
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   10,059,475 149,940 SH   SOLE 0 0 0 149,940
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   418,481 2,407 SH   SOLE 0 0 0 2,407
SOUTHWEST AIRLS CO COM 844741108   203,319 5,615 SH   SOLE 0 0 0 5,615
SPDR SER TR PRTFLO S&P500 VL 78464A508   23,386,061 541,344 SH   SOLE 0 0 0 541,344
SPDR SER TR S&P 600 SMCP VAL 78464A300   624,699 8,093 SH   SOLE 0 0 0 8,093
SPDR SER TR S&P 600 SMCP GRW 78464A201   487,849 6,339 SH   SOLE 0 0 0 6,339
SPDR SER TR PRTFLO S&P500 GW 78464A409   17,987,592 294,830 SH   SOLE 0 0 0 294,830
SPDR SER TR NUVEEN BLMBRG SH 78468R739   16,352,651 347,559 SH   SOLE 0 0 0 347,559
SPDR SER TR BLOOMBERG INTL T 78464A516   7,077,272 313,848 SH   SOLE 0 0 0 313,848
TEXAS INSTRS INC COM 882508104   324,036 1,800 SH   SOLE 0 0 0 1,800
UDR INC COM 902653104   431,748 10,050 SH   SOLE 0 0 0 10,050
UNION PAC CORP COM 907818108   532,217 2,601 SH   SOLE 0 0 0 2,601
VANGUARD ADMIRAL FDS INC SMLCP 600 GRTH 921932794   1,284,694 12,961 SH   SOLE 0 0 0 12,961
VANGUARD ADMIRAL FDS INC SMLCP 600 VAL 921932778   1,669,625 20,334 SH   SOLE 0 0 0 20,334
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   4,849,856 64,177 SH   SOLE 0 0 0 64,177
VANGUARD INDEX FDS VALUE ETF 922908744   8,337,875 58,676 SH   SOLE 0 0 0 58,676
VANGUARD INDEX FDS SM CP VAL ETF 922908611   5,178,815 31,311 SH   SOLE 0 0 0 31,311
VANGUARD INDEX FDS SML CP GRW ETF 922908595   3,972,231 17,290 SH   SOLE 0 0 0 17,290
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   422,909 10,396 SH   SOLE 0 0 0 10,396
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   1,399,537 14,431 SH   SOLE 0 0 0 14,431
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   11,418,044 227,360 SH   SOLE 0 0 0 227,360
VANGUARD SCOTTSDALE FDS LONG TERM TREAS 92206C847   5,733,710 90,252 SH   SOLE 0 0 0 90,252
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706   9,917,001 169,059 SH   SOLE 0 0 0 169,059
VANGUARD WHITEHALL FDS EM MK GOV BD ETF 921946885   2,017,299 32,396 SH   SOLE 0 0 0 32,396
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794   7,303,347 115,559 SH   SOLE 0 0 0 115,559
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810   12,461,617 165,956 SH   SOLE 0 0 0 165,956
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   746,627 7,039 SH   SOLE 0 0 0 7,039
VISA INC COM CL A 92826C839   787,959 3,318 SH   SOLE 0 0 0 3,318
WESTERN ASSET MANAGED MUNS F COM 95766M105   153,955 15,504 SH   SOLE 0 0 0 15,504