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 680 3,444 SH   SOLE NONE 3,444 0 0
ABBVIE INC COM 00287Y109 701 6,561 SH   SOLE NONE 6,561 0 0
ALPHABET INC CAP STK CL A 02079K305 496 217 SH   SOLE NONE 217 0 0
AMAZON COM INC COM 023135106 277 82 SH   SOLE NONE 82 0 0
APPLE INC COM 037833100 13,373 99,431 SH   SOLE NONE 99,431 0 0
AT&T INC COM 00206R102 505 16,964 SH   SOLE NONE 16,964 0 0
BIG LOTS INC COM 089302103 223 3,314 SH   SOLE NONE 3,314 0 0
BLACKROCK CAP INVT CORP NOTE 5.000% 6/1 092533AC2 25 25,000 PRN   SOLE NONE 25,000 0 0
CIGNA CORP NEW COM 125523100 438 1,722 SH   SOLE NONE 1,722 0 0
CISCO SYS INC COM 17275R102 514 9,958 SH   SOLE NONE 9,958 0 0
COCA COLA CO COM 191216100 463 8,677 SH   SOLE NONE 8,677 0 0
COMCAST CORP NEW CL A 20030N101 454 8,382 SH   SOLE NONE 8,382 0 0
COSTCO WHSL CORP NEW COM 22160K105 582 1,579 SH   SOLE NONE 1,579 0 0
DIREXION SHS ETF TR NAS100 EQL WGT 25459Y207 475 5,880 SH   SOLE NONE 5,880 0 0
EMERSON ELEC CO COM 291011104 509 5,553 SH   SOLE NONE 5,553 0 0
GENWORTH FINL INC COM CL A 37247D106 73 20,595 SH   SOLE NONE 20,595 0 0
HOME DEPOT INC COM 437076102 810 2,510 SH   SOLE NONE 2,510 0 0
INDEXIQ ACTIVE ETF TR IQ MACKAY INSRED 45409F843 2,634 95,586 SH   SOLE NONE 95,586 0 0
INTEL CORP COM 458140100 285 4,380 SH   SOLE NONE 4,380 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 458 3,453 SH   SOLE NONE 3,453 0 0
INVESCO EXCH TRADED FD TR II TAXABLE MUN BD 46138G805 4,104 125,696 SH   SOLE NONE 125,696 0 0
INVESCO EXCH TRADED FD TR II CALIF AMT MUN 46138E206 253 9,025 SH   SOLE NONE 9,025 0 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2022 CB 46138J882 616 28,435 SH   SOLE NONE 28,435 0 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2021 CB 46138J700 258 12,187 SH   SOLE NONE 12,187 0 0
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613 588 3,767 SH   SOLE NONE 3,767 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 524 3,575 SH   SOLE NONE 3,575 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 266 779 SH   SOLE NONE 779 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 26,190 100,306 SH   SOLE NONE 100,306 0 0
ISHARES TR RUS 1000 VAL ETF 464287598 23,321 149,600 SH   SOLE NONE 149,600 0 0
ISHARES TR MSCI EAFE ETF 464287465 18,401 233,751 SH   SOLE NONE 233,751 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 17,251 76,913 SH   SOLE NONE 76,913 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 12,948 238,855 SH   SOLE NONE 238,855 0 0
ISHARES TR NATIONAL MUN ETF 464288414 8,071 68,964 SH   SOLE NONE 68,964 0 0
ISHARES TR PFD AND INCM SEC 464288687 3,221 82,900 SH   SOLE NONE 82,900 0 0
ISHARES TR CORE S&P500 ETF 464287200 1,561 3,741 SH   SOLE NONE 3,741 0 0
ISHARES TR IBONDS DEC2021 46435G789 1,458 56,760 SH   SOLE NONE 56,760 0 0
ISHARES TR IBONDS DEC2023 46435G318 895 34,159 SH   SOLE NONE 34,159 0 0
ISHARES TR IBONDS DEC2022 46435G755 858 32,576 SH   SOLE NONE 32,576 0 0
ISHARES TR MSCI USA QLT FCT 46432F339 585 4,605 SH   SOLE NONE 4,605 0 0
ISHARES TR IBONDS DEC 46435U697 584 21,561 SH   SOLE NONE 21,561 0 0
ISHARES TR S&P 100 ETF 464287101 510 2,682 SH   SOLE NONE 2,682 0 0
ISHARES TR RUS 2000 VAL ETF 464287630 482 2,979 SH   SOLE NONE 2,979 0 0
ISHARES TR CORE S&P SCP ETF 464287804 465 4,206 SH   SOLE NONE 4,206 0 0
ISHARES TR GLOBAL REIT ETF 46434V647 261 9,825 SH   SOLE NONE 9,825 0 0
ISHARES TR CORE S&P MCP ETF 464287507 250 928 SH   SOLE NONE 928 0 0
JOHNSON & JOHNSON COM 478160104 918 5,722 SH   SOLE NONE 5,722 0 0
JPMORGAN CHASE & CO COM 46625H100 1,146 7,533 SH   SOLE NONE 7,533 0 0
KIMBERLY-CLARK CORP COM 494368103 389 2,799 SH   SOLE NONE 2,799 0 0
LAZARD LTD SHS A G54050102 2,219 48,762 SH   SOLE NONE 48,762 0 0
LEXINGTON REALTY TRUST COM 529043101 118 10,076 SH   SOLE NONE 10,076 0 0
LOCKHEED MARTIN CORP COM 539830109 204 521 SH   SOLE NONE 521 0 0
LOWES COS INC COM 548661107 337 1,648 SH   SOLE NONE 1,648 0 0
MERCK & CO. INC COM 58933Y105 500 6,517 SH   SOLE NONE 6,517 0 0
MICROSOFT CORP COM 594918104 915 3,525 SH   SOLE NONE 3,525 0 0
ORACLE CORP COM 68389X105 446 5,695 SH   SOLE NONE 5,695 0 0
PALANTIR TECHNOLOGIES INC CL A 69608A108 1,570 67,802 SH   SOLE NONE 67,802 0 0
PALANTIR TECHNOLOGIES INC CL A 69608A108 8 10,000 SH Put SOLE NONE 10,000 0 0
PEPSICO INC COM 713448108 582 4,093 SH   SOLE NONE 4,093 0 0
PFIZER INC COM 717081103 447 11,898 SH   SOLE NONE 11,898 0 0
PROCTER AND GAMBLE CO COM 742718109 586 4,271 SH   SOLE NONE 4,271 0 0
QUALCOMM INC COM 747525103 567 4,115 SH   SOLE NONE 4,115 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870 7,516 121,876 SH   SOLE NONE 121,876 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 254 1,772 SH   SOLE NONE 1,772 0 0
SKYWEST INC COM 830879102 219 4,167 SH   SOLE NONE 4,167 0 0
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109 531 1,559 SH   SOLE NONE 1,559 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 2,282 5,488 SH   SOLE NONE 5,488 0 0
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 344 699 SH   SOLE NONE 699 0 0
SPDR SER TR BLMBRG BRC CNVRT 78464A359 5,479 63,552 SH   SOLE NONE 63,552 0 0
SPDR SER TR NUVEEN BRC MUNIC 78468R721 1,005 19,269 SH   SOLE NONE 19,269 0 0
SYNNEX CORP COM 87162W100 232 1,916 SH   SOLE NONE 1,916 0 0
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100 460 3,883 SH   SOLE NONE 3,883 0 0
TARGET CORP COM 87612E106 288 1,402 SH   SOLE NONE 1,402 0 0
TEXAS INSTRS INC COM 882508104 1,078 5,582 SH   SOLE NONE 5,582 0 0
UNITEDHEALTH GROUP INC COM 91324P102 1,126 2,887 SH   SOLE NONE 2,887 0 0
VANGUARD BD INDEX FDS INTERMED TERM 921937819 8,043 90,008 SH   SOLE NONE 90,008 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 400 4,681 SH   SOLE NONE 4,681 0 0
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 4,367 76,296 SH   SOLE NONE 76,296 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 719 3,120 SH   SOLE NONE 3,120 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 206 2,143 SH   SOLE NONE 2,143 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 280 5,320 SH   SOLE NONE 5,320 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 337 6,119 SH   SOLE NONE 6,119 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 4,065 49,186 SH   SOLE NONE 49,186 0 0
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 1,458 28,547 SH   SOLE NONE 28,547 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 594 10,296 SH   SOLE NONE 10,296 0 0
VIRTUS ALLIANZGI CONVERTIBLE COM 92838X102 63 10,822 SH   SOLE NONE 10,822 0 0
VISA INC COM CL A 92826C839 534 2,360 SH   SOLE NONE 2,360 0 0
WALMART INC COM 931142103 539 3,844 SH   SOLE NONE 3,844 0 0