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 461 2,876 SH   SOLE NONE 2,876 0 0
ABBVIE INC COM 00287Y109 524 5,980 SH   SOLE NONE 5,980 0 0
ALPHABET INC CAP STK CL A 02079K305 242 165 SH   SOLE NONE 165 0 0
AMAZON COM INC COM 023135106 233 74 SH   SOLE NONE 74 0 0
AMGEN INC COM 031162100 299 1,178 SH   SOLE NONE 1,178 0 0
APPLE INC COM 037833100 1,732 14,958 SH   SOLE NONE 14,958 0 0
AT&T INC COM 00206R102 474 16,614 SH   SOLE NONE 16,614 0 0
BLACKROCK CAP INVT CORP NOTE 5.000% 6/1 092533AC2 25 25,000 PRN   SOLE NONE 25,000 0 0
BLOOM ENERGY CORP COM CL A 093712107 293 16,321 SH   SOLE NONE 16,321 0 0
CIGNA CORP NEW COM 125523100 275 1,625 SH   SOLE NONE 1,625 0 0
CISCO SYS INC COM 17275R102 331 8,395 SH   SOLE NONE 8,395 0 0
COCA COLA CO COM 191216100 346 7,012 SH   SOLE NONE 7,012 0 0
COMCAST CORP NEW CL A 20030N101 348 7,519 SH   SOLE NONE 7,519 0 0
COSTCO WHSL CORP NEW COM 22160K105 542 1,526 SH   SOLE NONE 1,526 0 0
CUMMINS INC COM 231021106 244 1,156 SH   SOLE NONE 1,156 0 0
DIREXION SHS ETF TR NAS100 EQL WGT 25459Y207 4,012 62,222 SH   SOLE NONE 62,222 0 0
HOME DEPOT INC COM 437076102 524 1,887 SH   SOLE NONE 1,887 0 0
INTEL CORP COM 458140100 208 4,021 SH   SOLE NONE 4,021 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 335 2,750 SH   SOLE NONE 2,750 0 0
INVESCO EXCH TRADED FD TR II CALIF AMT MUN 46138E206 220 7,965 SH   SOLE NONE 7,965 0 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2020 CB 46138J502 3,544 167,011 SH   SOLE NONE 167,011 0 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2021 CB 46138J700 3,844 180,308 SH   SOLE NONE 180,308 0 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2022 CB 46138J882 4,059 185,866 SH   SOLE NONE 185,866 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 403 3,731 SH   SOLE NONE 3,731 0 0
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613 429 3,767 SH   SOLE NONE 3,767 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 3,385 12,184 SH   SOLE NONE 12,184 0 0
ISHARES INC MSCI EMERG MRKT 464286533 632 11,455 SH   SOLE NONE 11,455 0 0
ISHARES TR CORE S&P MCP ETF 464287507 247 1,335 SH   SOLE NONE 1,335 0 0
ISHARES TR CORE S&P SCP ETF 464287804 226 3,219 SH   SOLE NONE 3,219 0 0
ISHARES TR CORE S&P500 ETF 464287200 1,249 3,717 SH   SOLE NONE 3,717 0 0
ISHARES TR RUS 1000 VAL ETF 464287598 17,649 149,402 SH   SOLE NONE 149,402 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 21,057 97,088 SH   SOLE NONE 97,088 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 11,728 78,294 SH   SOLE NONE 78,294 0 0
ISHARES TR RUS 2000 VAL ETF 464287630 366 3,688 SH   SOLE NONE 3,688 0 0
ISHARES TR MSCI EAFE ETF 464287465 16,413 257,862 SH   SOLE NONE 257,862 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 7,329 166,221 SH   SOLE NONE 166,221 0 0
ISHARES TR S&P 100 ETF 464287101 434 2,790 SH   SOLE NONE 2,790 0 0
ISHARES TR CORE US AGGBD ET 464287226 423 3,582 SH   SOLE NONE 3,582 0 0
ISHARES TR NATIONAL MUN ETF 464288414 6,411 55,301 SH   SOLE NONE 55,301 0 0
ISHARES TR 0-5 YR TIPS ETF 46429B747 2,487 23,895 SH   SOLE NONE 23,895 0 0
ISHARES TR MSCI USA QLT FCT 46432F339 491 4,732 SH   SOLE NONE 4,732 0 0
ISHARES TR GLOBAL REIT ETF 46434V647 216 10,251 SH   SOLE NONE 10,251 0 0
ISHARES TR IBONDS DEC2022 46435G755 1,079 40,731 SH   SOLE NONE 40,731 0 0
ISHARES TR IBONDS DEC2021 46435G789 1,475 56,938 SH   SOLE NONE 56,938 0 0
ISHARES TR IBONDS DEC2023 46435G318 1,112 42,328 SH   SOLE NONE 42,328 0 0
ISHARES TR IBONDS DEC 46435U697 706 26,064 SH   SOLE NONE 26,064 0 0
JOHNSON & JOHNSON COM 478160104 702 4,712 SH   SOLE NONE 4,712 0 0
JPMORGAN CHASE & CO COM 46625H100 591 6,144 SH   SOLE NONE 6,144 0 0
LAZARD LTD SHS A G54050102 1,612 48,762 SH   SOLE NONE 48,762 0 0
LOCKHEED MARTIN CORP COM 539830109 216 563 SH   SOLE NONE 563 0 0
MCDONALDS CORP COM 580135101 288 1,313 SH   SOLE NONE 1,313 0 0
MERCK & CO. INC COM 58933Y105 421 5,081 SH   SOLE NONE 5,081 0 0
MICROSOFT CORP COM 594918104 766 3,641 SH   SOLE NONE 3,641 0 0
NEXTERA ENERGY INC COM 65339F101 205 740 SH   SOLE NONE 740 0 0
PEPSICO INC COM 713448108 328 2,366 SH   SOLE NONE 2,366 0 0
PFIZER INC COM 717081103 408 11,119 SH   SOLE NONE 11,119 0 0
PROCTER AND GAMBLE CO COM 742718109 463 3,329 SH   SOLE NONE 3,329 0 0
PROSHARES TR S&P 500 DV ARIST 74348A467 318 4,408 SH   SOLE NONE 4,408 0 0
QUALCOMM INC COM 747525103 392 3,335 SH   SOLE NONE 3,335 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 213 1,824 SH   SOLE NONE 1,824 0 0
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109 461 1,660 SH   SOLE NONE 1,660 0 0
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 237 6,496 SH   SOLE NONE 6,496 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 1,592 4,753 SH   SOLE NONE 4,753 0 0
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 571 1,684 SH   SOLE NONE 1,684 0 0
SPDR SER TR NUVEEN BLMBRG SR 78468R739 232 4,644 SH   SOLE NONE 4,644 0 0
SPDR SER TR NUVEEN BRC MUNIC 78468R721 1,006 19,365 SH   SOLE NONE 19,365 0 0
SPDR SER TR BLMBRG BRC CNVRT 78464A359 4,608 66,886 SH   SOLE NONE 66,886 0 0
SPDR SER TR SPDR BLOOMBERG 78468R663 692 7,560 SH   SOLE NONE 7,560 0 0
SPDR SER TR PORTFOLIO LN TSR 78464A664 3,511 75,127 SH   SOLE NONE 75,127 0 0
SPDR SER TR PORTFOLIO AGRGTE 78464A649 3,128 101,527 SH   SOLE NONE 101,527 0 0
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100 299 3,685 SH   SOLE NONE 3,685 0 0
TEXAS INSTRS INC COM 882508104 813 5,696 SH   SOLE NONE 5,696 0 0
UNITEDHEALTH GROUP INC COM 91324P102 632 2,028 SH   SOLE NONE 2,028 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 1,376 15,601 SH   SOLE NONE 15,601 0 0
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 3,688 63,386 SH   SOLE NONE 63,386 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 568 3,223 SH   SOLE NONE 3,223 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 233 5,388 SH   SOLE NONE 5,388 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 396 7,279 SH   SOLE NONE 7,279 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 1,536 18,541 SH   SOLE NONE 18,541 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 515 4,000 SH   SOLE NONE 4,000 0 0
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 1,275 31,182 SH   SOLE NONE 31,182 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 572 9,619 SH   SOLE NONE 9,619 0 0
VISA INC COM CL A 92826C839 384 1,921 SH   SOLE NONE 1,921 0 0
WALMART INC COM 931142103 517 3,698 SH   SOLE NONE 3,698 0 0