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 694 3,495 SH   SOLE NONE 3,495 0 0
ABBVIE INC COM 00287Y109 761 6,754 SH   SOLE NONE 6,754 0 0
ALPHABET INC CAP STK CL A 02079K305 530 217 SH   SOLE NONE 217 0 0
ALPHABET INC CAP STK CL C 02079K107 243 97 SH   SOLE NONE 97 0 0
AMAZON COM INC COM 023135106 282 82 SH   SOLE NONE 82 0 0
APPLE INC COM 037833100 13,941 101,791 SH   SOLE NONE 101,791 0 0
AT&T INC COM 00206R102 450 15,652 SH   SOLE NONE 15,652 0 0
BIG LOTS INC COM 089302103 219 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
CATERPILLAR INC COM 149123101 217 996 SH   SOLE NONE 996 0 0
CIGNA CORP NEW COM 125523100 408 1,722 SH   SOLE NONE 1,722 0 0
CISCO SYS INC COM 17275R102 590 11,126 SH   SOLE NONE 11,126 0 0
COCA COLA CO COM 191216100 460 8,510 SH   SOLE NONE 8,510 0 0
COMCAST CORP NEW CL A 20030N101 477 8,370 SH   SOLE NONE 8,370 0 0
COSTCO WHSL CORP NEW COM 22160K105 625 1,579 SH   SOLE NONE 1,579 0 0
DIREXION SHS ETF TR NAS100 EQL WGT 25459Y207 491 5,880 SH   SOLE NONE 5,880 0 0
EMERSON ELEC CO COM 291011104 564 5,865 SH   SOLE NONE 5,865 0 0
EXXON MOBIL CORP COM 30231G102 226 3,584 SH   SOLE NONE 3,584 0 0
GENWORTH FINL INC COM CL A 37247D106 80 20,595 SH   SOLE NONE 20,595 0 0
HOME DEPOT INC COM 437076102 799 2,507 SH   SOLE NONE 2,507 0 0
INDEXIQ ACTIVE ETF TR IQ MACKAY INSRED 45409F843 2,487 89,888 SH   SOLE NONE 89,888 0 0
INTEL CORP COM 458140100 271 4,824 SH   SOLE NONE 4,824 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 521 3,551 SH   SOLE NONE 3,551 0 0
INVESCO EXCH TRADED FD TR II CALIF AMT MUN 46138E206 242 8,622 SH   SOLE NONE 8,622 0 0
INVESCO EXCH TRADED FD TR II TAXABLE MUN BD 46138G805 4,304 129,717 SH   SOLE NONE 129,717 0 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2021 CB 46138J700 229 10,874 SH   SOLE NONE 10,874 0 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2022 CB 46138J882 584 27,028 SH   SOLE NONE 27,028 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 539 3,575 SH   SOLE NONE 3,575 0 0
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613 604 3,767 SH   SOLE NONE 3,767 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 276 779 SH   SOLE NONE 779 0 0
ISHARES TR CORE S&P MCP ETF 464287507 249 928 SH   SOLE NONE 928 0 0
ISHARES TR CORE S&P SCP ETF 464287804 475 4,206 SH   SOLE NONE 4,206 0 0
ISHARES TR CORE S&P500 ETF 464287200 1,818 4,228 SH   SOLE NONE 4,228 0 0
ISHARES TR RUS 1000 VAL ETF 464287598 23,696 149,391 SH   SOLE NONE 149,391 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 27,108 99,854 SH   SOLE NONE 99,854 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 17,952 78,268 SH   SOLE NONE 78,268 0 0
ISHARES TR RUS 2000 VAL ETF 464287630 494 2,979 SH   SOLE NONE 2,979 0 0
ISHARES TR MSCI EAFE ETF 464287465 18,643 236,350 SH   SOLE NONE 236,350 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 13,859 251,305 SH   SOLE NONE 251,305 0 0
ISHARES TR S&P 100 ETF 464287101 509 2,593 SH   SOLE NONE 2,593 0 0
ISHARES TR PFD AND INCM SEC 464288687 3,312 84,191 SH   SOLE NONE 84,191 0 0
ISHARES TR NATIONAL MUN ETF 464288414 7,549 64,414 SH   SOLE NONE 64,414 0 0
ISHARES TR MSCI USA QLT FCT 46432F339 612 4,605 SH   SOLE NONE 4,605 0 0
ISHARES TR GLOBAL REIT ETF 46434V647 275 9,935 SH   SOLE NONE 9,935 0 0
ISHARES TR IBONDS DEC2022 46435G755 759 28,919 SH   SOLE NONE 28,919 0 0
ISHARES TR IBONDS DEC2021 46435G789 1,335 52,074 SH   SOLE NONE 52,074 0 0
ISHARES TR IBONDS DEC2023 46435G318 806 30,886 SH   SOLE NONE 30,886 0 0
ISHARES TR IBONDS DEC 46435U697 508 18,810 SH   SOLE NONE 18,810 0 0
JOHNSON & JOHNSON COM 478160104 991 6,016 SH   SOLE NONE 6,016 0 0
JPMORGAN CHASE & CO COM 46625H100 1,193 7,668 SH   SOLE NONE 7,668 0 0
KIMBERLY-CLARK CORP COM 494368103 360 2,692 SH   SOLE NONE 2,692 0 0
LAZARD LTD SHS A G54050102 2,206 48,762 SH   SOLE NONE 48,762 0 0
LEXINGTON REALTY TRUST COM 529043101 120 10,076 SH   SOLE NONE 10,076 0 0
LOCKHEED MARTIN CORP COM 539830109 224 593 SH   SOLE NONE 593 0 0
LOWES COS INC COM 548661107 321 1,655 SH   SOLE NONE 1,655 0 0
MERCK & CO INC COM 58933Y105 505 6,495 SH   SOLE NONE 6,495 0 0
MICROSOFT CORP COM 594918104 1,002 3,698 SH   SOLE NONE 3,698 0 0
ORACLE CORP COM 68389X105 435 5,583 SH   SOLE NONE 5,583 0 0
PALANTIR TECHNOLOGIES INC CL A 69608A108 1,787 67,802 SH   SOLE NONE 67,802 0 0
PALANTIR TECHNOLOGIES INC CL A 69608A108 2 10,000 SH Put SOLE NONE 10,000 0 0
PEPSICO INC COM 713448108 616 4,158 SH   SOLE NONE 4,158 0 0
PFIZER INC COM 717081103 426 10,876 SH   SOLE NONE 10,876 0 0
PROCTER AND GAMBLE CO COM 742718109 548 4,061 SH   SOLE NONE 4,061 0 0
QUALCOMM INC COM 747525103 602 4,213 SH   SOLE NONE 4,213 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870 7,738 123,796 SH   SOLE NONE 123,796 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 262 1,772 SH   SOLE NONE 1,772 0 0
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109 538 1,559 SH   SOLE NONE 1,559 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 2,345 5,478 SH   SOLE NONE 5,478 0 0
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 334 681 SH   SOLE NONE 681 0 0
SPDR SER TR NUVEEN BRC MUNIC 78468R721 1,004 19,269 SH   SOLE NONE 19,269 0 0
SPDR SER TR BLMBRG BRC CNVRT 78464A359 5,550 63,996 SH   SOLE NONE 63,996 0 0
SYNNEX CORP COM 87162W100 233 1,916 SH   SOLE NONE 1,916 0 0
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100 467 3,884 SH   SOLE NONE 3,884 0 0
TARGET CORP COM 87612E106 315 1,302 SH   SOLE NONE 1,302 0 0
TEXAS INSTRS INC COM 882508104 1,073 5,582 SH   SOLE NONE 5,582 0 0
UNITEDHEALTH GROUP INC COM 91324P102 1,156 2,887 SH   SOLE NONE 2,887 0 0
VANGUARD BD INDEX FDS INTERMED TERM 921937819 8,125 90,313 SH   SOLE NONE 90,313 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 408 4,750 SH   SOLE NONE 4,750 0 0
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 4,385 76,788 SH   SOLE NONE 76,788 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 743 3,129 SH   SOLE NONE 3,129 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611 201 1,155 SH   SOLE NONE 1,155 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 265 2,606 SH   SOLE NONE 2,606 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 327 6,020 SH   SOLE NONE 6,020 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 257 4,651 SH   SOLE NONE 4,651 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 4,361 52,731 SH   SOLE NONE 52,731 0 0
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 1,445 28,057 SH   SOLE NONE 28,057 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 548 9,772 SH   SOLE NONE 9,772 0 0
VIRTUS ALLIANZGI CONVERTIBLE COM 92838X102 66 10,822 SH   SOLE NONE 10,822 0 0
VISA INC COM CL A 92826C839 542 2,319 SH   SOLE NONE 2,319 0 0
WALMART INC COM 931142103 556 3,944 SH   SOLE NONE 3,944 0 0