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
BERKSHIRE HATHAWAY INC DEL CL A 084670108 272 1 SH   SOLE   0 0 1
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 247 1,350 SH   SOLE   0 0 1,350
INVESCO ACTIVELY MANAGED ETF VAR RATE INVT 46090A879 1,644 72,248 SH   SOLE   69,941 0 2,307
INVESCO EXCH TRD SLF IDX FD BULSHS 2021 CB 46138J700 347 16,530 SH   SOLE   16,530 0 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2022 CB 46138J882 593 28,068 SH   SOLE   28,068 0 0
INVESCO EXCHANGE TRADED FD T S&P500 PUR VAL 46137V258 206 5,136 SH   SOLE   5,032 0 104
INVESCO EXCHANGE TRADED FD T S&P500 PUR GWT 46137V266 263 2,608 SH   SOLE   2,538 0 70
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 496 5,871 SH   SOLE   5,871 0 0
INVESCO EXCHANGE-TRADED FD T EMRNG MKT SVRG 46138E784 1,876 78,565 SH   SOLE   76,586 0 1,979
ISHARES INC ESG MSCI EM ETF 46434G863 2,950 107,549 SH   SOLE   104,678 0 2,871
ISHARES TR TIPS BD ETF 464287176 386 3,269 SH   SOLE   3,269 0 0
ISHARES TR CORE S&P500 ETF 464287200 643 2,483 SH   SOLE   2,483 0 0
ISHARES TR IBOXX INV CP ETF 464287242 449 3,635 SH   SOLE   3,635 0 0
ISHARES TR 20 YR TR BD ETF 464287432 317 1,924 SH   SOLE   1,924 0 0
ISHARES TR S&P SML 600 GWT 464287887 263 1,894 SH   SOLE   1,894 0 0
ISHARES TR NATIONAL MUN ETF 464288414 238 2,105 SH   SOLE   2,105 0 0
ISHARES TR IBOXX HI YD ETF 464288513 465 6,031 SH   SOLE   6,031 0 0
ISHARES TR MBS ETF 464288588 6,193 55,947 SH   SOLE   55,136 0 811
ISHARES TR INTRM TR CRP ETF 464288638 1,020 18,576 SH   SOLE   18,576 0 0
ISHARES TR PFD AND INCM SEC 464288687 426 13,392 SH   SOLE   13,392 0 0
ISHARES TR FLTG RATE NT ETF 46429B655 243 4,997 SH   SOLE   4,997 0 0
ISHARES TR MSCI MIN VOL ETF 46429B697 3,489 64,540 SH   SOLE   62,364 0 2,176
ISHARES TR 0-5 YR TIPS ETF 46429B747 573 5,737 SH   SOLE   5,737 0 0
ISHARES TR USA QUALITY FCTR 46432F339 4,290 52,719 SH   SOLE   51,600 0 1,119
ISHARES TR USA SIZE FACTOR 46432F370 1,139 16,093 SH   SOLE   16,065 0 28
ISHARES TR 0-5YR INVT GR CP 46434V100 399 7,973 SH   SOLE   7,973 0 0
ISHARES TR 0-5YR HI YL CP 46434V407 495 12,155 SH   SOLE   12,155 0 0
ISHARES TR CONV BD ETF 46435G102 708 13,021 SH   SOLE   13,021 0 0
ISHARES TR ESG MSCI USA ETF 46435G425 4,328 75,132 SH   SOLE   73,267 0 1,865
NUVEEN AMT FREE QLTY MUN INC COM 670657105 605 44,783 SH   SOLE   44,783 0 0
PIMCO ETF TR ACTIVE BD ETF 72201R775 349 3,279 SH   SOLE   3,180 0 99
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 452 5,648 SH   SOLE   5,248 0 400
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 2,185 27,181 SH   SOLE   26,292 0 889
SPDR S&P 500 ETF TR TR UNIT 78462F103 802 3,112 SH   SOLE   2,312 0 800
SPDR SER TR PORTFOLIO CRPORT 78464A144 395 12,043 SH   SOLE   11,608 0 435
SPDR SER TR PORTFOLIO INTRMD 78464A375 8,687 255,619 SH   SOLE   251,635 0 3,984
SPDR SER TR PORTFOLIO LN TSR 78464A664 1,678 35,581 SH   SOLE   34,995 0 586
SPDR SER TR PORTFLI INTRMDIT 78464A672 19,758 596,359 SH   SOLE   586,440 0 9,919
SPDR SER TR PORTFOLIO S&P500 78464A854 8,224 272,080 SH   SOLE   269,789 0 2,291
SPDR SER TR PORTFOLIO SH TSR 78468R101 828 27,084 SH   SOLE   27,084 0 0
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 681 12,106 SH   SOLE   12,106 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 485 7,007 SH   SOLE   7,007 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 278 3,127 SH   SOLE   3,127 0 0
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676 361 8,449 SH   SOLE   8,449 0 0
VANGUARD MUN BD FD INC TAX EXEMPT BD 922907746 1,082 20,429 SH   SOLE   20,429 0 0
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 275 4,420 SH   SOLE   4,420 0 0
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 2,634 37,340 SH   SOLE   37,340 0 0
VANGUARD SCOTTSDALE FDS MORTG-BACK SEC 92206C771 1,414 25,941 SH   SOLE   25,941 0 0
VANGUARD WHITEHALL FDS EMERG MKT BD ETF 921946885 629 8,888 SH   SOLE   8,888 0 0
WISDOMTREE TR US LARGECAP FUND 97717W588 7,655 272,183 SH   SOLE   269,566 0 2,617
WISDOMTREE TR EM EX ST-OWNED 97717X578 2,227 91,020 SH   SOLE   90,827 0 193
WISDOMTREE TR ITL HDG QTLY DIV 97717X594 6,596 217,755 SH   SOLE   212,872 0 4,883
WISDOMTREE TR US MULTIFACTOR 97717Y857 201 8,263 SH   SOLE   8,263 0 0