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 448 3,088 SH   SOLE NONE 3,088 0 0
ABBVIE INC COM 00287Y109 437 5,339 SH   SOLE NONE 5,339 0 0
ALPHABET INC CAP STK CL A 02079K305 368 293 SH   SOLE NONE 293 0 0
AMAZON COM INC COM 023135106 210 91 SH   SOLE NONE 91 0 0
APPLE INC COM 037833100 1,204 4,232 SH   SOLE NONE 4,232 0 0
AT&T INC COM 00206R102 489 16,255 SH   SOLE NONE 16,255 0 0
BLACKROCK CAP INVT CORP NOTE 5.000% 6/1 092533AC2 18 25,000 PRN   SOLE NONE 25,000 0 0
BLOOM ENERGY CORP COM CL A 093712107 105 16,021 SH   SOLE NONE 16,021 0 0
CHEVRON CORP NEW COM 166764100 253 3,061 SH   SOLE NONE 3,061 0 0
CIGNA CORP NEW COM 125523100 297 1,625 SH   SOLE NONE 1,625 0 0
CISCO SYS INC COM 17275R102 230 5,541 SH   SOLE NONE 5,541 0 0
COCA COLA CO COM 191216100 317 6,652 SH   SOLE NONE 6,652 0 0
COMCAST CORP NEW CL A 20030N101 261 7,021 SH   SOLE NONE 7,021 0 0
COSTCO WHSL CORP NEW COM 22160K105 582 1,875 SH   SOLE NONE 1,875 0 0
EXXON MOBIL CORP COM 30231G102 216 5,334 SH   SOLE NONE 5,334 0 0
GENERAL MLS INC COM 370334104 208 3,516 SH   SOLE NONE 3,516 0 0
HOME DEPOT INC COM 437076102 275 1,388 SH   SOLE NONE 1,388 0 0
INTEL CORP COM 458140100 441 7,484 SH   SOLE NONE 7,484 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 307 2,588 SH   SOLE NONE 2,588 0 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2020 CB 46138J502 3,374 158,424 SH   SOLE NONE 158,424 0 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2021 CB 46138J700 3,463 162,648 SH   SOLE NONE 162,648 0 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2022 CB 46138J882 3,400 157,572 SH   SOLE NONE 157,572 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 412 4,596 SH   SOLE NONE 4,596 0 0
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613 371 3,767 SH   SOLE NONE 3,767 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 3,611 17,241 SH   SOLE NONE 17,241 0 0
ISHARES INC MIN VOL EMRG MKT 464286533 560 11,456 SH   SOLE NONE 11,456 0 0
ISHARES TR CORE S&P MCP ETF 464287507 410 2,724 SH   SOLE NONE 2,724 0 0
ISHARES TR CORE S&P SCP ETF 464287804 482 8,429 SH   SOLE NONE 8,429 0 0
ISHARES TR CORE S&P500 ETF 464287200 1,077 3,868 SH   SOLE NONE 3,868 0 0
ISHARES TR RUS 1000 VAL ETF 464287598 16,695 158,693 SH   SOLE NONE 158,693 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 18,106 110,033 SH   SOLE NONE 110,033 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 9,086 77,128 SH   SOLE NONE 77,128 0 0
ISHARES TR RUS 2000 VAL ETF 464287630 361 4,337 SH   SOLE NONE 4,337 0 0
ISHARES TR MSCI EAFE ETF 464287465 13,816 254,570 SH   SOLE NONE 254,570 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 5,928 168,037 SH   SOLE NONE 168,037 0 0
ISHARES TR S&P 100 ETF 464287101 363 2,830 SH   SOLE NONE 2,830 0 0
ISHARES TR CORE US AGGBD ET 464287226 426 3,635 SH   SOLE NONE 3,635 0 0
ISHARES TR PFD AND INCM SEC 464288687 255 7,620 SH   SOLE NONE 7,620 0 0
ISHARES TR NATIONAL MUN ETF 464288414 3,832 33,649 SH   SOLE NONE 33,649 0 0
ISHARES TR 0-5 YR TIPS ETF 46429B747 2,071 20,423 SH   SOLE NONE 20,423 0 0
ISHARES TR USA QUALITY FCTR 46432F339 410 4,732 SH   SOLE NONE 4,732 0 0
ISHARES TR IBONDS SEP2020 46434V571 1,298 51,089 SH   SOLE NONE 51,089 0 0
ISHARES TR IBONDS DEC2022 46435G755 1,058 40,651 SH   SOLE NONE 40,651 0 0
ISHARES TR IBONDS DEC2021 46435G789 1,437 56,011 SH   SOLE NONE 56,011 0 0
ISHARES TR IBONDS DEC2023 46435G318 1,087 42,056 SH   SOLE NONE 42,056 0 0
ISHARES TR IBONDS DEC 46435U697 686 25,969 SH   SOLE NONE 25,969 0 0
JOHNSON & JOHNSON COM 478160104 676 4,578 SH   SOLE NONE 4,578 0 0
JPMORGAN CHASE & CO COM 46625H100 452 4,983 SH   SOLE NONE 4,983 0 0
LAZARD LTD SHS A G54050102 1,235 48,762 SH   SOLE NONE 48,762 0 0
LOCKHEED MARTIN CORP COM 539830109 414 1,105 SH   SOLE NONE 1,105 0 0
MCDONALDS CORP COM 580135101 405 2,275 SH   SOLE NONE 2,275 0 0
MERCK & CO. INC COM 58933Y105 310 3,776 SH   SOLE NONE 3,776 0 0
MICROSOFT CORP COM 594918104 693 4,034 SH   SOLE NONE 4,034 0 0
PEPSICO INC COM 713448108 475 3,518 SH   SOLE NONE 3,518 0 0
PFIZER INC COM 717081103 373 10,360 SH   SOLE NONE 10,360 0 0
PROCTER & GAMBLE CO COM 742718109 424 3,496 SH   SOLE NONE 3,496 0 0
PROSHARES TR S&P 500 DV ARIST 74348A467 402 6,572 SH   SOLE NONE 6,572 0 0
QUALCOMM INC COM 747525103 452 5,948 SH   SOLE NONE 5,948 0 0
SPDR DOW JONES INDL AVRG ETF UT SER 1 78467X109 390 1,660 SH   SOLE NONE 1,660 0 0
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 218 7,394 SH   SOLE NONE 7,394 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 1,556 5,601 SH   SOLE NONE 5,601 0 0
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 493 1,794 SH   SOLE NONE 1,794 0 0
SPDR SER TR PORTFOLI S&P1500 78464A805 243 7,202 SH   SOLE NONE 7,202 0 0
SPDR SER TR NUVEEN BLMBRG SR 78468R739 271 5,520 SH   SOLE NONE 5,520 0 0
SPDR SER TR NUVEEN BRC MUNIC 78468R721 1,000 19,667 SH   SOLE NONE 19,667 0 0
SPDR SER TR BLMBRG BRC CNVRT 78464A359 2,199 43,216 SH   SOLE NONE 43,216 0 0
SPDR SER TR SPDR BLOOMBERG 78468R663 971 10,604 SH   SOLE NONE 10,604 0 0
SPDR SER TR PORTFOLIO LN TSR 78464A664 3,458 71,931 SH   SOLE NONE 71,931 0 0
SPDR SER TR PORTFOLIO AGRGTE 78464A649 2,956 96,671 SH   SOLE NONE 96,671 0 0
SPDR SER TR PORTFOLIO SH TSR 78468R101 282 9,195 SH   SOLE NONE 9,195 0 0
TEXAS INSTRS INC COM 882508104 613 5,681 SH   SOLE NONE 5,681 0 0
UNITEDHEALTH GROUP INC COM 91324P102 481 1,708 SH   SOLE NONE 1,708 0 0
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 3,301 58,152 SH   SOLE NONE 58,152 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 540 3,809 SH   SOLE NONE 3,809 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 225 6,458 SH   SOLE NONE 6,458 0 0
VANGUARD MUN BD FD INC TAX EXEMPT BD 922907746 490 9,187 SH   SOLE NONE 9,187 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 639 7,871 SH   SOLE NONE 7,871 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 448 4,052 SH   SOLE NONE 4,052 0 0
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 1,359 39,997 SH   SOLE NONE 39,997 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 556 9,768 SH   SOLE NONE 9,768 0 0
VISA INC COM CL A 92826C839 203 1,224 SH   SOLE NONE 1,224 0 0
WALMART INC COM 931142103 495 3,841 SH   SOLE NONE 3,841 0 0