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 476 3,053 SH   SOLE NONE 3,053 0 0
ABBVIE INC COM 00287Y109 544 5,543 SH   SOLE NONE 5,543 0 0
ALPHABET INC CAP STK CL A 02079K305 234 165 SH   SOLE NONE 165 0 0
AMAZON COM INC COM 023135106 254 92 SH   SOLE NONE 92 0 0
APPLE INC COM 037833100 1,479 4,055 SH   SOLE NONE 4,055 0 0
AT&T INC COM 00206R102 500 16,538 SH   SOLE NONE 16,538 0 0
BLACKROCK CAP INVT CORP NOTE 5.000% 6/1 092533AC2 22 25,000 PRN   SOLE NONE 25,000 0 0
BLOOM ENERGY CORP COM CL A 093712107 174 16,021 SH   SOLE NONE 16,021 0 0
BLOOM ENERGY CORP COM CL A 093712107 75 16,100 SH Call SOLE NONE 16,100 0 0
CATERPILLAR INC DEL COM 149123101 282 2,231 SH   SOLE NONE 2,231 0 0
CIGNA CORP NEW COM 125523100 305 1,625 SH   SOLE NONE 1,625 0 0
CISCO SYS INC COM 17275R102 345 7,400 SH   SOLE NONE 7,400 0 0
COCA COLA CO COM 191216100 329 7,367 SH   SOLE NONE 7,367 0 0
COMCAST CORP NEW CL A 20030N101 314 8,043 SH   SOLE NONE 8,043 0 0
COSTCO WHSL CORP NEW COM 22160K105 462 1,524 SH   SOLE NONE 1,524 0 0
GENWORTH FINL INC COM CL A 37247D106 46 19,919 SH   SOLE NONE 19,919 0 0
GILEAD SCIENCES INC COM 375558103 228 2,961 SH   SOLE NONE 2,961 0 0
HOME DEPOT INC COM 437076102 454 1,813 SH   SOLE NONE 1,813 0 0
ILLINOIS TOOL WKS INC COM 452308109 285 1,628 SH   SOLE NONE 1,628 0 0
INTEL CORP COM 458140100 438 7,323 SH   SOLE NONE 7,323 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 333 2,757 SH   SOLE NONE 2,757 0 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2020 CB 46138J502 3,575 167,979 SH   SOLE NONE 167,979 0 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2021 CB 46138J700 3,650 170,812 SH   SOLE NONE 170,812 0 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2022 CB 46138J882 3,905 178,973 SH   SOLE NONE 178,973 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 420 4,129 SH   SOLE NONE 4,129 0 0
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613 408 3,767 SH   SOLE NONE 3,767 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 6,611 26,699 SH   SOLE NONE 26,699 0 0
ISHARES INC MIN VOL EMRG MKT 464286533 596 11,455 SH   SOLE NONE 11,455 0 0
ISHARES TR CORE S&P MCP ETF 464287507 483 2,718 SH   SOLE NONE 2,718 0 0
ISHARES TR CORE S&P SCP ETF 464287804 576 8,437 SH   SOLE NONE 8,437 0 0
ISHARES TR CORE S&P500 ETF 464287200 1,177 3,800 SH   SOLE NONE 3,800 0 0
ISHARES TR RUS 1000 VAL ETF 464287598 16,763 148,846 SH   SOLE NONE 148,846 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 18,736 97,609 SH   SOLE NONE 97,609 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 11,136 77,776 SH   SOLE NONE 77,776 0 0
ISHARES TR RUS 2000 VAL ETF 464287630 360 3,697 SH   SOLE NONE 3,697 0 0
ISHARES TR MSCI EAFE ETF 464287465 14,962 245,800 SH   SOLE NONE 245,800 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 6,562 164,094 SH   SOLE NONE 164,094 0 0
ISHARES TR S&P 100 ETF 464287101 397 2,790 SH   SOLE NONE 2,790 0 0
ISHARES TR CORE US AGGBD ET 464287226 423 3,580 SH   SOLE NONE 3,580 0 0
ISHARES TR NATIONAL MUN ETF 464288414 4,893 42,404 SH   SOLE NONE 42,404 0 0
ISHARES TR 0-5 YR TIPS ETF 46429B747 2,382 23,265 SH   SOLE NONE 23,265 0 0
ISHARES TR USA QUALITY FCTR 46432F339 454 4,732 SH   SOLE NONE 4,732 0 0
ISHARES TR GLOBAL REIT ETF 46434V647 216 10,332 SH   SOLE NONE 10,332 0 0
ISHARES TR IBONDS SEP2020 46434V571 1,135 44,521 SH   SOLE NONE 44,521 0 0
ISHARES TR IBONDS DEC2022 46435G755 1,068 40,432 SH   SOLE NONE 40,432 0 0
ISHARES TR IBONDS DEC2021 46435G789 1,448 55,827 SH   SOLE NONE 55,827 0 0
ISHARES TR IBONDS DEC2023 46435G318 1,099 41,884 SH   SOLE NONE 41,884 0 0
ISHARES TR IBONDS DEC 46435U697 701 25,969 SH   SOLE NONE 25,969 0 0
JOHNSON & JOHNSON COM 478160104 646 4,597 SH   SOLE NONE 4,597 0 0
JPMORGAN CHASE & CO COM 46625H100 433 4,601 SH   SOLE NONE 4,601 0 0
LAZARD LTD SHS A G54050102 1,396 48,762 SH   SOLE NONE 48,762 0 0
LOCKHEED MARTIN CORP COM 539830109 411 1,125 SH   SOLE NONE 1,125 0 0
MCDONALDS CORP COM 580135101 275 1,490 SH   SOLE NONE 1,490 0 0
MERCK & CO. INC COM 58933Y105 371 4,800 SH   SOLE NONE 4,800 0 0
MICROSOFT CORP COM 594918104 729 3,583 SH   SOLE NONE 3,583 0 0
OFFICE DEPOT INC COM 676220106 63 26,658 SH   SOLE NONE 26,658 0 0
PEPSICO INC COM 713448108 322 2,435 SH   SOLE NONE 2,435 0 0
PFIZER INC COM 717081103 359 10,977 SH   SOLE NONE 10,977 0 0
PROCTER AND GAMBLE CO COM 742718109 268 2,241 SH   SOLE NONE 2,241 0 0
PROSHARES TR S&P 500 DV ARIST 74348A467 403 5,990 SH   SOLE NONE 5,990 0 0
QUALCOMM INC COM 747525103 513 5,626 SH   SOLE NONE 5,626 0 0
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109 428 1,660 SH   SOLE NONE 1,660 0 0
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 218 6,517 SH   SOLE NONE 6,517 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 1,656 5,369 SH   SOLE NONE 5,369 0 0
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 561 1,728 SH   SOLE NONE 1,728 0 0
SPDR SER TR NUVEEN BLMBRG SR 78468R739 257 5,151 SH   SOLE NONE 5,151 0 0
SPDR SER TR NUVEEN BRC MUNIC 78468R721 1,000 19,365 SH   SOLE NONE 19,365 0 0
SPDR SER TR BLMBRG BRC CNVRT 78464A359 2,623 43,354 SH   SOLE NONE 43,354 0 0
SPDR SER TR SPDR BLOOMBERG 78468R663 710 7,762 SH   SOLE NONE 7,762 0 0
SPDR SER TR PORTFOLIO LN TSR 78464A664 3,433 73,179 SH   SOLE NONE 73,179 0 0
SPDR SER TR PORTFOLIO AGRGTE 78464A649 3,083 99,911 SH   SOLE NONE 99,911 0 0
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100 218 3,844 SH   SOLE NONE 3,844 0 0
TEXAS INSTRS INC COM 882508104 714 5,627 SH   SOLE NONE 5,627 0 0
UNITEDHEALTH GROUP INC COM 91324P102 469 1,590 SH   SOLE NONE 1,590 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 469 5,311 SH   SOLE NONE 5,311 0 0
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 3,582 62,049 SH   SOLE NONE 62,049 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 588 3,590 SH   SOLE NONE 3,590 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 244 6,168 SH   SOLE NONE 6,168 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 417 7,695 SH   SOLE NONE 7,695 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 1,076 13,018 SH   SOLE NONE 13,018 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 474 4,045 SH   SOLE NONE 4,045 0 0
VANGUARD TAX-MANAGED FDS FTSE DEV MKT ETF 921943858 1,445 37,262 SH   SOLE NONE 37,262 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 556 10,078 SH   SOLE NONE 10,078 0 0
VISA INC COM CL A 92826C839 343 1,778 SH   SOLE NONE 1,778 0 0
WALMART INC COM 931142103 314 2,625 SH   SOLE NONE 2,625 0 0