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
TEXAS INSTRS INC COM 882508104 718 5,656 SH   SOLE   0 0 5,656
QUALCOMM INC COM 747525103 678 7,429 SH   SOLE   0 0 7,429
AMERICAN EXPRESS CO COM 025816109 1,502 15,772 SH   SOLE   0 0 15,772
CVS HEALTH CORP COM 126650100 1,291 19,877 SH   SOLE   0 0 19,877
UNITED PARCEL SERVICE INC CL B 911312106 482 4,338 SH   SOLE   0 0 4,338
WISDOMTREE TR CURRNCY INT EQ 97717X263 2,472 97,500 SH   SOLE   0 0 97,500
VERIZON COMMUNICATIONS INC COM 92343V104 2,611 47,367 SH   SOLE   0 0 47,367
WASTE MGMT INC DEL COM 94106L109 948 8,948 SH   SOLE   0 0 8,948
WELLS FARGO CO NEW COM 949746101 333 12,996 SH   SOLE   0 0 12,996
SPDR SER TR PORTFOLIO SH TSR 78468R101 205 6,678 SH   SOLE   0 0 6,678
ISHARES TR SHORT TREAS BD 464288679 217 1,963 SH   SOLE   0 0 1,963
CISCO SYS INC COM 17275R102 2,337 50,111 SH   SOLE   0 0 50,111
INTEL CORP COM 458140100 708 11,827 SH   SOLE   0 0 11,827
PRICE T ROWE GROUP INC COM 74144T108 258 2,085 SH   SOLE   0 0 2,085
BRISTOL-MYERS SQUIBB CO COM 110122108 400 6,799 SH   SOLE   0 0 6,799
ALPHABET INC CAP STK CL C 02079K107 793 561 SH   SOLE   0 0 561
PIMCO ETF TR ACTIVE BD ETF 72201R775 1,148 10,292 SH   SOLE   0 0 10,292
ISHARES TR CORE S&P MCP ETF 464287507 1,787 10,050 SH   SOLE   0 0 10,050
KIMBERLY CLARK CORP COM 494368103 430 3,039 SH   SOLE   0 0 3,039
JPMORGAN CHASE & CO COM 46625H100 3,382 35,957 SH   SOLE   0 0 35,957
VISA INC COM CL A 92826C839 3,106 16,079 SH   SOLE   0 0 16,079
SPDR SER TR BLOMBERG BRC INV 78468R200 2,167 71,089 SH   SOLE   0 0 71,089
GENERAL DYNAMICS CORP COM 369550108 962 6,436 SH   SOLE   0 0 6,436
BLACKROCK INC COM 09247X101 438 804 SH   SOLE   0 0 804
VANGUARD WORLD FD MEGA CAP INDEX 921910873 253 2,316 SH   SOLE   0 0 2,316
CONOCOPHILLIPS COM 20825C104 830 19,746 SH   SOLE   0 0 19,746
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 10,283 198,710 SH   SOLE   0 0 198,710
HONEYWELL INTL INC COM 438516106 1,450 10,027 SH   SOLE   0 0 10,027
BK OF AMERICA CORP COM 060505104 3,002 126,404 SH   SOLE   0 0 126,404
CHEVRON CORP NEW COM 166764100 1,406 15,755 SH   SOLE   0 0 15,755
JOHNSON & JOHNSON COM 478160104 4,187 29,771 SH   SOLE   0 0 29,771
UNITEDHEALTH GROUP INC COM 91324P102 1,989 6,743 SH   SOLE   0 0 6,743
COSTCO WHSL CORP NEW COM 22160K105 2,183 7,200 SH   SOLE   0 0 7,200
PFIZER INC COM 717081103 3,466 105,999 SH   SOLE   0 0 105,999
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 1,920 38,268 SH   SOLE   0 0 38,268
ISHARES TR INTL SEL DIV ETF 464288448 528 21,036 SH   SOLE   0 0 21,036
ILLINOIS TOOL WKS INC COM 452308109 313 1,788 SH   SOLE   0 0 1,788
PEPSICO INC COM 713448108 2,705 20,453 SH   SOLE   0 0 20,453
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 4,013 22,478 SH   SOLE   0 0 22,478
MEDTRONIC PLC SHS G5960L103 1,784 19,455 SH   SOLE   0 0 19,455
GOLDMAN SACHS ETF TR ACCES TREASURY 381430529 698 6,944 SH   SOLE   0 0 6,944
STARBUCKS CORP COM 855244109 1,893 25,720 SH   SOLE   0 0 25,720
ALPHABET INC CAP STK CL A 02079K305 6,171 4,352 SH   SOLE   0 0 4,352
UNION PAC CORP COM 907818108 1,157 6,845 SH   SOLE   0 0 6,845
HOME DEPOT INC COM 437076102 3,756 14,993 SH   SOLE   0 0 14,993
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 436 5,247 SH   SOLE   0 0 5,247
AMAZON COM INC COM 023135106 8,050 2,918 SH   SOLE   0 0 2,918
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 3,379 28,556 SH   SOLE   0 0 28,556
DISNEY WALT CO COM DISNEY 254687106 1,955 17,534 SH   SOLE   0 0 17,534
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 386 4,669 SH   SOLE   0 0 4,669
CUMMINS INC COM 231021106 241 1,392 SH   SOLE   0 0 1,392
VANGUARD INDEX FDS TOTAL STK MKT 922908769 1,306 8,345 SH   SOLE   0 0 8,345
PAYPAL HLDGS INC COM 70450Y103 1,563 8,972 SH   SOLE   0 0 8,972
MERCK & CO. INC COM 58933Y105 2,578 33,342 SH   SOLE   0 0 33,342
RAYTHEON TECHNOLOGIES CORP COM 75513E101 414 6,721 SH   SOLE   0 0 6,721
ISHARES TR CORE S&P SCP ETF 464287804 915 13,398 SH   SOLE   0 0 13,398
INTERNATIONAL BUSINESS MACHS COM 459200101 735 6,084 SH   SOLE   0 0 6,084
SSGA ACTIVE ETF TR SPDR TR TACTIC 78467V848 678 13,681 SH   SOLE   0 0 13,681
FACEBOOK INC CL A 30303M102 1,745 7,683 SH   SOLE   0 0 7,683
COLGATE PALMOLIVE CO COM 194162103 584 7,977 SH   SOLE   0 0 7,977
NEXTERA ENERGY INC COM 65339F101 1,202 5,002 SH   SOLE   0 0 5,002
ISHARES TR CORE MSCI EAFE 46432F842 6,786 118,726 SH   SOLE   0 0 118,726
COMCAST CORP NEW CL A 20030N101 1,114 28,568 SH   SOLE   0 0 28,568
EATON CORP PLC SHS G29183103 218 2,496 SH   SOLE   0 0 2,496
WISDOMTREE TR CBOE S&P 500 97717X560 1,365 54,505 SH   SOLE   0 0 54,505
SALESFORCE COM INC COM 79466L302 3,056 16,316 SH   SOLE   0 0 16,316
ADOBE INC COM 00724F101 2,509 5,764 SH   SOLE   0 0 5,764
ISHARES TR SHRT NAT MUN ETF 464288158 538 4,990 SH   SOLE   0 0 4,990
WALMART INC COM 931142103 2,942 24,560 SH   SOLE   0 0 24,560
AMGEN INC COM 031162100 2,362 10,013 SH   SOLE   0 0 10,013
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 6,973 68,573 SH   SOLE   0 0 68,573
VANGUARD WORLD FD MEGA GRWTH IND 921910816 9,745 59,601 SH   SOLE   0 0 59,601
NIKE INC CL B 654106103 1,505 15,351 SH   SOLE   0 0 15,351
ISHARES TR NATIONAL MUN ETF 464288414 234 2,023 SH   SOLE   0 0 2,023
MONDELEZ INTL INC CL A 609207105 1,627 31,827 SH   SOLE   0 0 31,827
3M CO COM 88579Y101 1,133 7,261 SH   SOLE   0 0 7,261
J P MORGAN EXCHANGE-TRADED F ULTRA SHRT INC 46641Q837 722 14,224 SH   SOLE   0 0 14,224
VALERO ENERGY CORP COM 91913Y100 878 14,919 SH   SOLE   0 0 14,919
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 8,078 91,438 SH   SOLE   0 0 91,438
UBS AG LONDON BRANCH EN LG CP GRWTH 902677780 235 653 SH   SOLE   0 0 653
VANGUARD TAX-MANAGED FDS FTSE DEV MKT ETF 921943858 6,112 157,576 SH   SOLE   0 0 157,576
ABBVIE INC COM 00287Y109 638 6,495 SH   SOLE   0 0 6,495
LOCKHEED MARTIN CORP COM 539830109 557 1,525 SH   SOLE   0 0 1,525
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 233 5,869 SH   SOLE   0 0 5,869
ISHARES TR CORE S&P500 ETF 464287200 8,746 28,241 SH   SOLE   0 0 28,241
INVESCO EXCH TRADED FD TR II PFD ETF 46138E511 428 30,315 SH   SOLE   0 0 30,315
ISHARES TR CORE S&P TTL STK 464287150 10,505 151,286 SH   SOLE   0 0 151,286
INVESCO QQQ TR UNIT SER 1 46090E103 248 1,002 SH   SOLE   0 0 1,002
PROCTER AND GAMBLE CO COM 742718109 2,718 22,727 SH   SOLE   0 0 22,727
L3HARRIS TECHNOLOGIES INC COM 502431109 856 5,045 SH   SOLE   0 0 5,045
THERMO FISHER SCIENTIFIC INC COM 883556102 2,150 5,934 SH   SOLE   0 0 5,934
MCDONALDS CORP COM 580135101 1,897 10,285 SH   SOLE   0 0 10,285
WISDOMTREE TR US QTLY DIV GRT 97717X669 10,780 236,984 SH   SOLE   0 0 236,984
EMERSON ELEC CO COM 291011104 262 4,220 SH   SOLE   0 0 4,220
MICROSOFT CORP COM 594918104 10,295 50,585 SH   SOLE   0 0 50,585
PHILLIPS 66 COM 718546104 757 10,533 SH   SOLE   0 0 10,533
COCA COLA CO COM 191216100 769 17,208 SH   SOLE   0 0 17,208
APPLE INC COM 037833100 9,266 25,399 SH   SOLE   0 0 25,399
INTL PAPER CO COM 460146103 219 6,222 SH   SOLE   0 0 6,222
ISHARES TR INTRM TR CRP ETF 464288638 209 3,457 SH   SOLE   0 0 3,457
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 4,435 93,145 SH   SOLE   0 0 93,145
ISHARES TR IBOXX INV CP ETF 464287242 1,693 12,585 SH   SOLE   0 0 12,585
ALTRIA GROUP INC COM 02209S103 562 14,330 SH   SOLE   0 0 14,330
ISHARES TR 0-5YR INVT GR CP 46434V100 653 12,530 SH   SOLE   0 0 12,530