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 535 3,060 SH   SOLE NONE 3,060 0 0
ABBVIE INC COM 00287Y109 688 6,424 SH   SOLE NONE 6,424 0 0
ALLIANZGI CONV & INCOME FD COM 018828103 62 10,822 SH   SOLE NONE 10,822 0 0
ALPHABET INC CAP STK CL A 02079K305 335 191 SH   SOLE NONE 191 0 0
AMAZON COM INC COM 023135106 238 73 SH   SOLE NONE 73 0 0
APPLE INC COM 037833100 1,856 13,988 SH   SOLE NONE 13,988 0 0
AT&T INC COM 00206R102 526 18,281 SH   SOLE NONE 18,281 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 410 14,321 SH   SOLE NONE 14,321 0 0
CIGNA CORP NEW COM 125523100 338 1,625 SH   SOLE NONE 1,625 0 0
CISCO SYS INC COM 17275R102 396 8,854 SH   SOLE NONE 8,854 0 0
COCA COLA CO COM 191216100 431 7,867 SH   SOLE NONE 7,867 0 0
COMCAST CORP NEW CL A 20030N101 377 7,198 SH   SOLE NONE 7,198 0 0
COSTCO WHSL CORP NEW COM 22160K105 594 1,576 SH   SOLE NONE 1,576 0 0
DIREXION SHS ETF TR NAS100 EQL WGT 25459Y207 934 12,426 SH   SOLE NONE 12,426 0 0
EMERSON ELEC CO COM 291011104 418 5,205 SH   SOLE NONE 5,205 0 0
GENWORTH FINL INC COM CL A 37247D106 78 20,726 SH   SOLE NONE 20,726 0 0
HOME DEPOT INC COM 437076102 608 2,288 SH   SOLE NONE 2,288 0 0
INDEXIQ ACTIVE ETF TR IQ MACKAY INSRED 45409F843 2,155 78,012 SH   SOLE NONE 78,012 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 370 2,939 SH   SOLE NONE 2,939 0 0
INVESCO EXCH TRADED FD TR II CALIF AMT MUN 46138E206 328 11,724 SH   SOLE NONE 11,724 0 0
INVESCO EXCH TRADED FD TR II TAXABLE MUN BD 46138G805 4,253 126,947 SH   SOLE NONE 126,947 0 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2021 CB 46138J700 340 16,025 SH   SOLE NONE 16,025 0 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2022 CB 46138J882 703 32,325 SH   SOLE NONE 32,325 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 464 3,636 SH   SOLE NONE 3,636 0 0
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613 502 3,767 SH   SOLE NONE 3,767 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 340 1,084 SH   SOLE NONE 1,084 0 0
ISHARES TR CORE S&P MCP ETF 464287507 205 890 SH   SOLE NONE 890 0 0
ISHARES TR CORE S&P SCP ETF 464287804 329 3,578 SH   SOLE NONE 3,578 0 0
ISHARES TR CORE S&P500 ETF 464287200 1,391 3,705 SH   SOLE NONE 3,705 0 0
ISHARES TR RUS 1000 VAL ETF 464287598 20,622 150,819 SH   SOLE NONE 150,819 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 23,284 96,557 SH   SOLE NONE 96,557 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 15,389 78,491 SH   SOLE NONE 78,491 0 0
ISHARES TR RUS 2000 VAL ETF 464287630 392 2,979 SH   SOLE NONE 2,979 0 0
ISHARES TR MSCI EAFE ETF 464287465 16,874 231,281 SH   SOLE NONE 231,281 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 11,985 231,954 SH   SOLE NONE 231,954 0 0
ISHARES TR S&P 100 ETF 464287101 465 2,712 SH   SOLE NONE 2,712 0 0
ISHARES TR PFD AND INCM SEC 464288687 2,863 74,356 SH   SOLE NONE 74,356 0 0
ISHARES TR NATIONAL MUN ETF 464288414 7,650 65,269 SH   SOLE NONE 65,269 0 0
ISHARES TR MSCI USA QLT FCT 46432F339 550 4,732 SH   SOLE NONE 4,732 0 0
ISHARES TR GLOBAL REIT ETF 46434V647 226 9,463 SH   SOLE NONE 9,463 0 0
ISHARES TR IBONDS DEC2022 46435G755 908 34,432 SH   SOLE NONE 34,432 0 0
ISHARES TR IBONDS DEC2021 46435G789 1,489 57,762 SH   SOLE NONE 57,762 0 0
ISHARES TR IBONDS DEC2023 46435G318 940 35,905 SH   SOLE NONE 35,905 0 0
ISHARES TR IBONDS DEC 46435U697 640 23,616 SH   SOLE NONE 23,616 0 0
JOHNSON & JOHNSON COM 478160104 766 4,867 SH   SOLE NONE 4,867 0 0
JPMORGAN CHASE & CO COM 46625H100 854 6,717 SH   SOLE NONE 6,717 0 0
KIMBERLY-CLARK CORP COM 494368103 340 2,519 SH   SOLE NONE 2,519 0 0
LAZARD LTD SHS A G54050102 2,063 48,762 SH   SOLE NONE 48,762 0 0
LEXINGTON REALTY TRUST COM 529043101 108 10,155 SH   SOLE NONE 10,155 0 0
MERCK & CO. INC COM 58933Y105 469 5,734 SH   SOLE NONE 5,734 0 0
MICROSOFT CORP COM 594918104 782 3,518 SH   SOLE NONE 3,518 0 0
NEXTERA ENERGY INC COM 65339F101 223 2,884 SH   SOLE NONE 2,884 0 0
ORACLE CORP COM 68389X105 334 5,169 SH   SOLE NONE 5,169 0 0
PALANTIR TECHNOLOGIES INC CL A 69608A108 370 15,730 SH   SOLE NONE 15,730 0 0
PALANTIR TECHNOLOGIES INC CL A 69608A108 30 10,000 SH Put SOLE NONE 10,000 0 0
PEPSICO INC COM 713448108 594 4,007 SH   SOLE NONE 4,007 0 0
PFIZER INC COM 717081103 422 11,460 SH   SOLE NONE 11,460 0 0
PROCTER AND GAMBLE CO COM 742718109 497 3,571 SH   SOLE NONE 3,571 0 0
QUALCOMM INC COM 747525103 638 4,191 SH   SOLE NONE 4,191 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870 5,739 92,439 SH   SOLE NONE 92,439 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 230 1,772 SH   SOLE NONE 1,772 0 0
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109 507 1,659 SH   SOLE NONE 1,659 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 2,186 5,846 SH   SOLE NONE 5,846 0 0
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 352 839 SH   SOLE NONE 839 0 0
SPDR SER TR NUVEEN BLMBRG SR 78468R739 201 4,043 SH   SOLE NONE 4,043 0 0
SPDR SER TR NUVEEN BRC MUNIC 78468R721 1,016 19,365 SH   SOLE NONE 19,365 0 0
SPDR SER TR BLMBRG BRC CNVRT 78464A359 5,133 61,997 SH   SOLE NONE 61,997 0 0
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100 421 3,859 SH   SOLE NONE 3,859 0 0
TEXAS INSTRS INC COM 882508104 904 5,510 SH   SOLE NONE 5,510 0 0
UNITEDHEALTH GROUP INC COM 91324P102 965 2,751 SH   SOLE NONE 2,751 0 0
VANGUARD BD INDEX FDS INTERMED TERM 921937819 8,288 89,258 SH   SOLE NONE 89,258 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 703 7,972 SH   SOLE NONE 7,972 0 0
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 4,383 74,854 SH   SOLE NONE 74,854 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 643 3,108 SH   SOLE NONE 3,108 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 255 5,080 SH   SOLE NONE 5,080 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 378 6,857 SH   SOLE NONE 6,857 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 3,397 40,807 SH   SOLE NONE 40,807 0 0
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 1,340 28,385 SH   SOLE NONE 28,385 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 567 9,645 SH   SOLE NONE 9,645 0 0
VISA INC COM CL A 92826C839 496 2,268 SH   SOLE NONE 2,268 0 0
WALMART INC COM 931142103 552 3,829 SH   SOLE NONE 3,829 0 0