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
3M CO COM 88579Y101 1,103 6,210 SH   SOLE   6,210 0 0
ABBVIE INC COM 00287Y109 1,641 12,122 SH   SOLE   12,122 0 0
ABERDEEN STD SILVER ETF TR PHYSCL SILVR SHS 003264108 330 14,742 SH   SOLE   14,742 0 0
AFLAC INC COM 001055102 442 7,568 SH   SOLE   7,568 0 0
AMGEN INC COM 031162100 248 1,102 SH   SOLE   1,102 0 0
AMPLIFY ETF TR BLOCKCHAIN LDR 032108607 255 6,340 SH   SOLE   6,340 0 0
APPLE INC COM 037833100 1,132 6,373 SH   SOLE   6,373 0 0
ASTRAZENECA PLC SPONSORED ADR 046353108 1,376 23,620 SH   SOLE   23,620 0 0
BANK NEW YORK MELLON CORP COM 064058100 338 5,828 SH   SOLE   5,828 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108 326 5,227 SH   SOLE   5,227 0 0
C H ROBINSON WORLDWIDE INC COM NEW 12541W209 274 2,533 SH   SOLE   2,533 0 0
CARDINAL HEALTH INC COM 14149Y108 936 18,144 SH   SOLE   18,144 0 0
CHEVRON CORP NEW COM 166764100 453 3,857 SH   SOLE   3,857 0 0
CISCO SYS INC COM 17275R102 2,416 38,124 SH   SOLE   38,124 0 0
CITRIX SYS INC COM 177376100 273 2,889 SH   SOLE   2,889 0 0
COGNIZANT TECHNOLOGY SOLUTIO CL A 192446102 283 3,189 SH   SOLE   3,189 0 0
CVS HEALTH CORP COM 126650100 2,250 21,810 SH   SOLE   21,810 0 0
DBX ETF TR XTRACK HRVST CSI 233051879 651 16,653 SH   SOLE   16,653 0 0
DBX ETF TR XTRACK MSCI ALL 233051598 11,249 447,522 SH   SOLE   447,522 0 0
DBX ETF TR XTRACK MSCI EAFE 233051200 1,454 37,015 SH   SOLE   37,015 0 0
DBX ETF TR XTRACK MUN INFRA 233051705 308 10,539 SH   SOLE   10,539 0 0
DBX ETF TR XTRACK USD HIGH 233051432 5,116 128,426 SH   SOLE   128,426 0 0
DBX ETF TR XTRCK JP MRGN ES 233051713 5,845 277,030 SH   SOLE   277,030 0 0
DISCOVERY INC COM SER A 25470F104 201 8,527 SH   SOLE   8,527 0 0
DOMINION ENERGY INC COM 25746U109 225 2,863 SH   SOLE   2,863 0 0
DOW INC COM 260557103 287 5,052 SH   SOLE   5,052 0 0
EBAY INC. COM 278642103 288 4,326 SH   SOLE   4,326 0 0
EMERSON ELEC CO COM 291011104 321 3,455 SH   SOLE   3,455 0 0
EOG RES INC COM 26875P101 292 3,287 SH   SOLE   3,287 0 0
EXXON MOBIL CORP COM 30231G102 1,794 29,310 SH   SOLE   29,310 0 0
F5 INC COM 315616102 463 1,894 SH   SOLE   1,894 0 0
FIFTH THIRD BANCORP COM 316773100 1,298 29,779 SH   SOLE   29,779 0 0
FIRST REP BK SAN FRANCISCO C COM 33616C100 330 1,598 SH   SOLE   1,598 0 0
FIRST TR EXCHANGE TRADED FD NASDQ CLN EDGE 33737A108 855 8,326 SH   SOLE   8,326 0 0
FIRST TR EXCHNG TRADED FD VI US EQT DEEP DUFR 33740F771 996 28,271 SH   SOLE   28,271 0 0
FLEXSHARES TR MORNSTAR UPSTR 33939L407 758 19,201 SH   SOLE   19,201 0 0
FRANKLIN TEMPLETON ETF TR FTSE JAPAN ETF 35473P744 833 28,354 SH   SOLE   28,354 0 0
FRANKLIN TEMPLETON ETF TR FTSE UNTD KGDM 35473P678 550 21,665 SH   SOLE   21,665 0 0
GENERAL DYNAMICS CORP COM 369550108 1,774 8,511 SH   SOLE   8,511 0 0
GENERAL MLS INC COM 370334104 1,548 22,967 SH   SOLE   22,967 0 0
GLOBAL X FDS CYBRSCURTY ETF 37954Y384 793 24,872 SH   SOLE   24,872 0 0
GLOBAL X FDS GLOBAL X URANIUM 37954Y871 898 38,344 SH   SOLE   38,344 0 0
GLOBAL X FDS S&P 500 COVERED 37954Y475 239 4,695 SH   SOLE   4,695 0 0
GLOBAL X FDS US PFD ETF 37954Y657 5,465 211,989 SH   SOLE   211,989 0 0
GLOBAL X FDS X EMERGING MKT 37954Y350 2,800 107,950 SH   SOLE   107,950 0 0
GRANITESHARES GOLD TR SHS BEN INT 38748G101 5,074 279,562 SH   SOLE   279,562 0 0
HUMANA INC COM 444859102 314 676 SH   SOLE   676 0 0
INDEXIQ ETF TR IQ MRGR ARB ETF 45409B800 420 13,009 SH   SOLE   13,009 0 0
INVESCO EXCH TRADED FD TR II NATL AMT MUNI 46138E537 534 19,710 SH   SOLE   19,710 0 0
INVESCO EXCHANGE TRADED FD T WATER RES ETF 46137V142 1,220 20,046 SH   SOLE   20,046 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 4,043 10,163 SH   SOLE   10,163 0 0
ISHARES INC CORE MSCI EMKT 46434G103 3,527 58,918 SH   SOLE   58,918 0 0
ISHARES INC EM MKTS DIV ETF 464286319 1,896 49,234 SH   SOLE   49,234 0 0
ISHARES INC MSCI EMERG MRKT 464286533 654 10,403 SH   SOLE   10,403 0 0
ISHARES INC MSCI ISRAEL ETF 464286632 840 10,785 SH   SOLE   10,785 0 0
ISHARES TR 1 3 YR TREAS BD 464287457 1,841 21,517 SH   SOLE   21,517 0 0
ISHARES TR 20 YR TR BD ETF 464287432 2,011 13,568 SH   SOLE   13,568 0 0
ISHARES TR AGENCY BOND ETF 464288166 807 6,891 SH   SOLE   6,891 0 0
ISHARES TR BARCLAYS 7 10 YR 464287440 5,978 51,985 SH   SOLE   51,985 0 0
ISHARES TR BROAD USD HIGH 46435U853 261 6,331 SH   SOLE   6,331 0 0
ISHARES TR CORE MSCI EAFE 46432F842 4,394 58,820 SH   SOLE   58,820 0 0
ISHARES TR CORE MSCI INTL 46435G326 3,230 47,811 SH   SOLE   47,811 0 0
ISHARES TR CORE MSCI PAC 46434V696 3,113 48,751 SH   SOLE   48,751 0 0
ISHARES TR CORE S&P TTL STK 464287150 458 4,278 SH   SOLE   4,278 0 0
ISHARES TR CORE S&P US GWT 464287671 2,846 24,612 SH   SOLE   24,612 0 0
ISHARES TR CORE S&P US VLU 464287663 3,847 50,393 SH   SOLE   50,393 0 0
ISHARES TR CORE S&P500 ETF 464287200 1,011 2,119 SH   SOLE   2,119 0 0
ISHARES TR CORE TOTAL USD 46434V613 1,255 23,719 SH   SOLE   23,719 0 0
ISHARES TR CORE US AGGBD ET 464287226 9,094 79,718 SH   SOLE   79,718 0 0
ISHARES TR CR 5 10 YR ETF 46435G417 1,026 20,356 SH   SOLE   20,356 0 0
ISHARES TR EAFE SML CP ETF 464288273 866 11,844 SH   SOLE   11,844 0 0
ISHARES TR FLTG RATE NT ETF 46429B655 2,777 54,734 SH   SOLE   54,734 0 0
ISHARES TR IBOXX INV CP ETF 464287242 2,917 22,011 SH   SOLE   22,011 0 0
ISHARES TR JPMORGAN USD EMG 464288281 1,628 14,930 SH   SOLE   14,930 0 0
ISHARES TR MBS ETF 464288588 2,400 22,341 SH   SOLE   22,341 0 0
ISHARES TR MSCI ACWI ETF 464288257 2,340 22,109 SH   SOLE   22,109 0 0
ISHARES TR MSCI USA QLT FCT 46432F339 327 2,246 SH   SOLE   2,246 0 0
ISHARES TR NATIONAL MUN ETF 464288414 986 8,481 SH   SOLE   8,481 0 0
ISHARES TR RUS 1000 ETF 464287622 684 2,586 SH   SOLE   2,586 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 1,300 4,253 SH   SOLE   4,253 0 0
ISHARES TR RUS 2000 VAL ETF 464287630 374 2,253 SH   SOLE   2,253 0 0
ISHARES TR S&P 100 ETF 464287101 4,807 21,937 SH   SOLE   21,937 0 0
ISHARES TR S&P 500 GRWT ETF 464287309 202 2,412 SH   SOLE   2,412 0 0
ISHARES TR SELECT DIVID ETF 464287168 888 7,245 SH   SOLE   7,245 0 0
ISHARES TR SHORT TREAS BD 464288679 559 5,058 SH   SOLE   5,058 0 0
ISHARES TR SHRT NAT MUN ETF 464288158 618 5,752 SH   SOLE   5,752 0 0
ISHARES TR TIPS BD ETF 464287176 3,039 23,525 SH   SOLE   23,525 0 0
ISHARES TR US HOME CONS ETF 464288752 840 10,130 SH   SOLE   10,130 0 0
JOHNSON & JOHNSON COM 478160104 1,209 7,065 SH   SOLE   7,065 0 0
JPMORGAN CHASE & CO COM 46625H100 449 2,833 SH   SOLE   2,833 0 0
KIMBERLY-CLARK CORP COM 494368103 271 1,883 SH   SOLE   1,883 0 0
KINDER MORGAN INC DEL COM 49456B101 1,461 92,144 SH   SOLE   92,144 0 0
KRAFT HEINZ CO COM 500754106 1,609 44,816 SH   SOLE   44,816 0 0
LOUISIANA PAC CORP COM 546347105 326 4,164 SH   SOLE   4,164 0 0
MCKESSON CORP COM 58155Q103 277 1,114 SH   SOLE   1,114 0 0
MERCK & CO INC COM 58933Y105 1,402 18,259 SH   SOLE   18,259 0 0
NUCOR CORP COM 670346105 1,491 13,053 SH   SOLE   13,053 0 0
OMNICOM GROUP INC COM 681919106 1,706 23,232 SH   SOLE   23,232 0 0
ORACLE CORP COM 68389X105 349 4,008 SH   SOLE   4,008 0 0
PAYCHEX INC COM 704326107 1,359 9,956 SH   SOLE   9,956 0 0
PEPSICO INC COM 713448108 429 2,462 SH   SOLE   2,462 0 0
PFIZER INC COM 717081103 2,033 34,434 SH   SOLE   34,434 0 0
PIMCO ETF TR 1-5 US TIP IDX 72201R205 266 4,816 SH   SOLE   4,816 0 0
PIMCO ETF TR ENHNCD LW DUR AC 72201R718 2,100 20,870 SH   SOLE   20,870 0 0
PRINCIPAL FINANCIAL GROUP IN COM 74251V102 1,954 27,015 SH   SOLE   27,015 0 0
PROCTER AND GAMBLE CO COM 742718109 1,042 6,369 SH   SOLE   6,369 0 0
PUBLIC STORAGE COM 74460D109 1,914 5,110 SH   SOLE   5,110 0 0
QUALCOMM INC COM 747525103 1,111 6,073 SH   SOLE   6,073 0 0
SCHWAB STRATEGIC TR 1 5YR CORP BD 808524714 910 18,000 SH   SOLE   18,000 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 6,234 160,341 SH   SOLE   160,341 0 0
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 6,049 147,782 SH   SOLE   147,782 0 0
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 2,342 31,987 SH   SOLE   31,987 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 4,858 42,675 SH   SOLE   42,675 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 929 11,555 SH   SOLE   11,555 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 1,093 10,671 SH   SOLE   10,671 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870 10,617 168,821 SH   SOLE   168,821 0 0
SELECT SECTOR SPDR TR FINANCIAL 81369Y605 695 17,809 SH   SOLE   17,809 0 0
SELECT SECTOR SPDR TR RL EST SEL SEC 81369Y860 1,247 24,068 SH   SOLE   24,068 0 0
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 1,424 10,105 SH   SOLE   10,105 0 0
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704 691 6,529 SH   SOLE   6,529 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 242 1,389 SH   SOLE   1,389 0 0
SMUCKER J M CO COM NEW 832696405 1,693 12,467 SH   SOLE   12,467 0 0
SOUTHERN CO COM 842587107 922 13,447 SH   SOLE   13,447 0 0
SPDR GOLD TR GOLD SHS 78463V107 1,019 5,963 SH   SOLE   5,963 0 0
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 2,568 61,884 SH   SOLE   61,884 0 0
SPDR INDEX SHS FDS S&P EM MKT DIV 78463X533 3,489 117,366 SH   SOLE   117,366 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 503 1,059 SH   SOLE   1,059 0 0
SPDR SER TR PORTFLI HIGH YLD 78468R606 1,527 57,470 SH   SOLE   57,470 0 0
SPDR SER TR PORTFOLIO SHORT 78464A474 9,192 296,806 SH   SOLE   296,806 0 0
SPDR SER TR S&P BIOTECH 78464A870 786 7,017 SH   SOLE   7,017 0 0
SPDR SER TR S&P CAP MKTS 78464A771 985 9,501 SH   SOLE   9,501 0 0
SSGA ACTIVE ETF TR SPDR TR TACTIC 78467V848 1,562 32,986 SH   SOLE   32,986 0 0
STATE STR CORP COM 857477103 1,303 13,988 SH   SOLE   13,988 0 0
STEEL DYNAMICS INC COM 858119100 328 5,267 SH   SOLE   5,267 0 0
TARGET CORP COM 87612E106 310 1,339 SH   SOLE   1,339 0 0
TOTALENERGIES SE SPONSORED ADS 89151E109 1,625 32,786 SH   SOLE   32,786 0 0
VALERO ENERGY CORP COM 91913Y100 253 3,368 SH   SOLE   3,368 0 0
VANECK ETF TRUST BIOTECH ETF 92189F726 483 2,552 SH   SOLE   2,552 0 0
VANECK ETF TRUST JP MRGAN EM LOC 92189H300 205 7,184 SH   SOLE   7,184 0 0
VANECK ETF TRUST SEMICONDUCTR ETF 92189F676 427 1,384 SH   SOLE   1,384 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 2,817 11,057 SH   SOLE   11,057 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 7,731 17,709 SH   SOLE   17,709 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611 8,132 45,471 SH   SOLE   45,471 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 2,075 9,180 SH   SOLE   9,180 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 5,110 21,164 SH   SOLE   21,164 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 1,556 10,578 SH   SOLE   10,578 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 5,548 112,168 SH   SOLE   112,168 0 0
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 1,387 10,355 SH   SOLE   10,355 0 0
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 2,373 22,089 SH   SOLE   22,089 0 0
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 2,048 39,853 SH   SOLE   39,853 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 2,058 37,484 SH   SOLE   37,484 0 0
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 240 3,618 SH   SOLE   3,618 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 2,052 22,120 SH   SOLE   22,120 0 0
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771 4,697 88,898 SH   SOLE   88,898 0 0
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 473 7,776 SH   SOLE   7,776 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 1,406 17,298 SH   SOLE   17,298 0 0
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 3,688 72,233 SH   SOLE   72,233 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 1,125 21,658 SH   SOLE   21,658 0 0
VICI PPTYS INC COM 925652109 1,154 38,245 SH   SOLE   38,245 0 0
VMWARE INC CL A COM 928563402 308 2,654 SH   SOLE   2,654 0 0
WALMART INC COM 931142103 273 1,879 SH   SOLE   1,879 0 0
WELLS FARGO CO NEW COM 949746101 1,889 39,370 SH   SOLE   39,370 0 0
WISDOMTREE TR EM LCL DEBT FD 97717X867 382 12,744 SH   SOLE   12,744 0 0
WISDOMTREE TR EMG MKTS SMCAP 97717W281 1,113 21,038 SH   SOLE   21,038 0 0