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 650 3,706 SH   SOLE NONE 3,706 0 0
ABBVIE INC COM 00287Y109 730 6,768 SH   SOLE NONE 6,768 0 0
ALPHABET INC CAP STK CL A 02079K305 577 216 SH   SOLE NONE 216 0 0
ALPHABET INC CAP STK CL C 02079K107 280 105 SH   SOLE NONE 105 0 0
AMAZON COM INC COM 023135106 283 86 SH   SOLE NONE 86 0 0
APPLE INC COM 037833100 14,393 101,717 SH   SOLE NONE 101,717 0 0
AT&T INC COM 00206R102 244 9,020 SH   SOLE NONE 9,020 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 229 1,195 SH   SOLE NONE 1,195 0 0
CIGNA CORP NEW COM 125523100 359 1,795 SH   SOLE NONE 1,795 0 0
CISCO SYS INC COM 17275R102 636 11,687 SH   SOLE NONE 11,687 0 0
COCA COLA CO COM 191216100 443 8,447 SH   SOLE NONE 8,447 0 0
COMCAST CORP NEW CL A 20030N101 454 8,115 SH   SOLE NONE 8,115 0 0
COSTCO WHSL CORP NEW COM 22160K105 709 1,577 SH   SOLE NONE 1,577 0 0
DANAHER CORPORATION COM 235851102 213 700 SH   SOLE NONE 700 0 0
DICKS SPORTING GOODS INC COM 253393102 222 1,851 SH   SOLE NONE 1,851 0 0
DIREXION SHS ETF TR NAS100 EQL WGT 25459Y207 487 5,879 SH   SOLE NONE 5,879 0 0
EMERSON ELEC CO COM 291011104 552 5,862 SH   SOLE NONE 5,862 0 0
EXXON MOBIL CORP COM 30231G102 240 4,084 SH   SOLE NONE 4,084 0 0
FRANKLIN RESOURCES INC COM 354613101 210 7,067 SH   SOLE NONE 7,067 0 0
HOME DEPOT INC COM 437076102 804 2,450 SH   SOLE NONE 2,450 0 0
INDEXIQ ACTIVE ETF TR IQ MACKAY INSRED 45409F843 2,696 98,290 SH   SOLE NONE 98,290 0 0
INTEL CORP COM 458140100 392 7,361 SH   SOLE NONE 7,361 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 528 3,797 SH   SOLE NONE 3,797 0 0
INVESCO EXCH TRADED FD TR II TAXABLE MUN BD 46138G805 5,125 155,723 SH   SOLE NONE 155,723 0 0
INVESCO EXCH TRADED FD TR II CALIF AMT MUN 46138E206 239 8,622 SH   SOLE NONE 8,622 0 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2022 CB 46138J882 538 24,970 SH   SOLE NONE 24,970 0 0
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613 597 3,767 SH   SOLE NONE 3,767 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 522 3,487 SH   SOLE NONE 3,487 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 277 773 SH   SOLE NONE 773 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 27,116 98,949 SH   SOLE NONE 98,949 0 0
ISHARES TR RUS 1000 VAL ETF 464287598 23,872 152,527 SH   SOLE NONE 152,527 0 0
ISHARES TR MSCI EAFE ETF 464287465 19,594 251,167 SH   SOLE NONE 251,167 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 18,199 83,194 SH   SOLE NONE 83,194 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 14,608 289,961 SH   SOLE NONE 289,961 0 0
ISHARES TR NATIONAL MUN ETF 464288414 7,394 63,645 SH   SOLE NONE 63,645 0 0
ISHARES TR PFD AND INCM SEC 464288687 5,440 140,171 SH   SOLE NONE 140,171 0 0
ISHARES TR 0-5 YR TIPS ETF 46429B747 4,778 45,236 SH   SOLE NONE 45,236 0 0
ISHARES TR CORE S&P500 ETF 464287200 1,820 4,224 SH   SOLE NONE 4,224 0 0
ISHARES TR IBONDS DEC2021 46435G789 1,070 41,830 SH   SOLE NONE 41,830 0 0
ISHARES TR IBONDS DEC2023 46435G318 796 30,624 SH   SOLE NONE 30,624 0 0
ISHARES TR IBONDS DEC2022 46435G755 708 27,051 SH   SOLE NONE 27,051 0 0
ISHARES TR MSCI USA QLT FCT 46432F339 607 4,605 SH   SOLE NONE 4,605 0 0
ISHARES TR S&P 100 ETF 464287101 512 2,593 SH   SOLE NONE 2,593 0 0
ISHARES TR IBONDS DEC 46435U697 504 18,699 SH   SOLE NONE 18,699 0 0
ISHARES TR RUS 2000 VAL ETF 464287630 477 2,979 SH   SOLE NONE 2,979 0 0
ISHARES TR CORE S&P SCP ETF 464287804 445 4,073 SH   SOLE NONE 4,073 0 0
ISHARES TR CORE S&P MCP ETF 464287507 243 925 SH   SOLE NONE 925 0 0
ISHARES TR GLOBAL REIT ETF 46434V647 230 8,394 SH   SOLE NONE 8,394 0 0
JOHNSON & JOHNSON COM 478160104 991 6,138 SH   SOLE NONE 6,138 0 0
JPMORGAN CHASE & CO COM 46625H100 1,197 7,314 SH   SOLE NONE 7,314 0 0
KIMBERLY-CLARK CORP COM 494368103 369 2,784 SH   SOLE NONE 2,784 0 0
LAZARD LTD SHS A G54050102 2,233 48,762 SH   SOLE NONE 48,762 0 0
LOCKHEED MARTIN CORP COM 539830109 358 1,037 SH   SOLE NONE 1,037 0 0
LOWES COS INC COM 548661107 417 2,055 SH   SOLE NONE 2,055 0 0
MCDONALDS CORP COM 580135101 208 861 SH   SOLE NONE 861 0 0
MERCK & CO INC COM 58933Y105 476 6,341 SH   SOLE NONE 6,341 0 0
MICROSOFT CORP COM 594918104 1,065 3,779 SH   SOLE NONE 3,779 0 0
NIKE INC CL B 654106103 299 2,056 SH   SOLE NONE 2,056 0 0
ORACLE CORP COM 68389X105 307 3,526 SH   SOLE NONE 3,526 0 0
PALANTIR TECHNOLOGIES INC CL A 69608A108 1,630 67,802 SH   SOLE NONE 67,802 0 0
PALANTIR TECHNOLOGIES INC CL A 69608A108 1 10,000 SH Put SOLE NONE 10,000 0 0
PEPSICO INC COM 713448108 647 4,301 SH   SOLE NONE 4,301 0 0
PFIZER INC COM 717081103 456 10,602 SH   SOLE NONE 10,602 0 0
PROCTER AND GAMBLE CO COM 742718109 598 4,281 SH   SOLE NONE 4,281 0 0
QUALCOMM INC COM 747525103 431 3,338 SH   SOLE NONE 3,338 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870 1,083 17,309 SH   SOLE NONE 17,309 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 265 1,772 SH   SOLE NONE 1,772 0 0
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109 527 1,559 SH   SOLE NONE 1,559 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 2,339 5,450 SH   SOLE NONE 5,450 0 0
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 322 670 SH   SOLE NONE 670 0 0
SPDR SER TR BLMBRG BRC CNVRT 78464A359 7,594 88,981 SH   SOLE NONE 88,815 0 0
SPDR SER TR NUVEEN BRC MUNIC 78468R721 994 19,269 SH   SOLE NONE 19,269 0 0
SPDR SER TR NUVEEN BLMBRG SR 78468R739 519 10,507 SH   SOLE NONE 10,507 0 0
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100 439 3,930 SH   SOLE NONE 3,930 0 0
TARGET CORP COM 87612E106 292 1,276 SH   SOLE NONE 1,276 0 0
TEXAS INSTRS INC COM 882508104 1,118 5,819 SH   SOLE NONE 5,819 0 0
UNITEDHEALTH GROUP INC COM 91324P102 1,102 2,820 SH   SOLE NONE 2,820 0 0
VANGUARD BD INDEX FDS INTERMED TERM 921937819 5,457 61,009 SH   SOLE NONE 61,009 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 410 4,801 SH   SOLE NONE 4,801 0 0
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 5,305 93,136 SH   SOLE NONE 93,136 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 732 3,094 SH   SOLE NONE 3,094 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 263 2,579 SH   SOLE NONE 2,579 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 466 9,318 SH   SOLE NONE 9,318 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 224 4,086 SH   SOLE NONE 4,086 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 4,261 51,705 SH   SOLE NONE 51,705 0 0
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 1,384 27,416 SH   SOLE NONE 27,416 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 501 9,275 SH   SOLE NONE 9,275 0 0
VIRTUS ALLIANZGI CONVERTIBLE COM 92838X102 64 10,822 SH   SOLE NONE 10,822 0 0
VISA INC COM CL A 92826C839 511 2,295 SH   SOLE NONE 2,295 0 0
WALMART INC COM 931142103 561 4,027 SH   SOLE NONE 4,027 0 0