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 524 4,050 SH   SOLE NONE 4,050 0 0
ALPHABET INC CAP STK CL A 02079K305 469 215 SH   SOLE NONE 215 0 0
ALPHABET INC CAP STK CL C 02079K107 241 110 SH   SOLE NONE 110 0 0
AMGEN INC COM 031162100 318 1,305 SH   SOLE NONE 1,305 0 0
APPLE INC COM 037833100 13,886 101,563 SH   SOLE NONE 101,563 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103 205 975 SH   SOLE NONE 975 0 0
CATERPILLAR INC COM 149123101 217 1,215 SH   SOLE NONE 1,215 0 0
CHEVRON CORP NEW COM 166764100 468 3,231 SH   SOLE NONE 3,231 0 0
CIGNA CORP NEW COM 125523100 473 1,795 SH   SOLE NONE 1,795 0 0
COCA COLA CO COM 191216100 527 8,380 SH   SOLE NONE 8,380 0 0
COMCAST CORP NEW CL A 20030N101 363 9,239 SH   SOLE NONE 9,239 0 0
COSTCO WHSL CORP NEW COM 22160K105 698 1,456 SH   SOLE NONE 1,456 0 0
DIREXION SHS ETF TR NAS100 EQL WGT 25459Y207 341 5,421 SH   SOLE NONE 5,421 0 0
EMERSON ELEC CO COM 291011104 239 3,011 SH   SOLE NONE 3,011 0 0
EXXON MOBIL CORP COM 30231G102 401 4,685 SH   SOLE NONE 4,685 0 0
GILEAD SCIENCES INC COM 375558103 326 5,272 SH   SOLE NONE 5,272 0 0
GLOBAL X FDS RATE PREFERRED 37954Y376 2,891 119,708 SH   SOLE NONE 119,708 0 0
HOME DEPOT INC COM 437076102 707 2,577 SH   SOLE NONE 2,577 0 0
INDEXIQ ACTIVE ETF TR IQ MACKAY INSRED 45409F843 2,736 112,724 SH   SOLE NONE 112,724 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 499 3,533 SH   SOLE NONE 3,533 0 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2022 CB 46138J882 439 20,711 SH   SOLE NONE 20,711 0 0
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613 558 3,767 SH   SOLE NONE 3,767 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 472 3,514 SH   SOLE NONE 3,514 0 0
ISHARES TR S&P 100 ETF 464287101 447 2,593 SH   SOLE NONE 2,593 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 12,112 302,041 SH   SOLE NONE 302,041 0 0
ISHARES TR NATIONAL MUN ETF 464288414 3,871 36,398 SH   SOLE NONE 36,398 0 0
ISHARES TR MSCI USA QLT FCT 46432F339 514 4,602 SH   SOLE NONE 4,602 0 0
ISHARES TR 0-5 YR TIPS ETF 46429B747 9,286 91,546 SH   SOLE NONE 91,546 0 0
ISHARES TR IBONDS DEC2023 46435G318 202 7,938 SH   SOLE NONE 7,938 0 0
ISHARES TR MSCI EAFE ETF 464287465 19,439 311,067 SH   SOLE NONE 311,067 0 0
ISHARES TR CORE S&P SCP ETF 464287804 286 3,094 SH   SOLE NONE 3,094 0 0
ISHARES TR CORE S&P500 ETF 464287200 1,487 3,923 SH   SOLE NONE 3,923 0 0
ISHARES TR RUS 1000 VAL ETF 464287598 24,598 169,677 SH   SOLE NONE 169,677 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 23,877 109,178 SH   SOLE NONE 109,178 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 15,082 89,050 SH   SOLE NONE 89,050 0 0
ISHARES TR RUS 2000 VAL ETF 464287630 397 2,919 SH   SOLE NONE 2,919 0 0
JOHNSON & JOHNSON COM 478160104 1,135 6,392 SH   SOLE NONE 6,392 0 0
JPMORGAN CHASE & CO COM 46625H100 776 6,891 SH   SOLE NONE 6,891 0 0
KIMBERLY-CLARK CORP COM 494368103 335 2,481 SH   SOLE NONE 2,481 0 0
LAZARD LTD SHS A G54050102 1,580 48,762 SH   SOLE NONE 48,762 0 0
LILLY ELI & CO COM 532457108 261 805 SH   SOLE NONE 805 0 0
LOCKHEED MARTIN CORP COM 539830109 537 1,249 SH   SOLE NONE 1,249 0 0
LOWES COS INC COM 548661107 361 2,069 SH   SOLE NONE 2,069 0 0
MCDONALDS CORP COM 580135101 415 1,683 SH   SOLE NONE 1,683 0 0
MERCK & CO INC COM 58933Y105 594 6,512 SH   SOLE NONE 6,512 0 0
MICROSOFT CORP COM 594918104 867 3,377 SH   SOLE NONE 3,377 0 0
NIKE INC CL B 654106103 215 2,101 SH   SOLE NONE 2,101 0 0
ORACLE CORP COM 68389X105 327 4,682 SH   SOLE NONE 4,682 0 0
PALANTIR TECHNOLOGIES INC CL A 69608A108 94 68,300 SH Call SOLE NONE 20,600 0 0
PEPSICO INC COM 713448108 453 2,718 SH   SOLE NONE 2,718 0 0
PFIZER INC COM 717081103 513 9,782 SH   SOLE NONE 9,782 0 0
PIMCO ETF TR MUNI INCOME OPP 72201R635 2,677 60,665 SH   SOLE NONE 60,665 0 0
PROCTER AND GAMBLE CO COM 742718109 622 4,324 SH   SOLE NONE 4,324 0 0
QUALCOMM INC COM 747525103 520 4,069 SH   SOLE NONE 4,069 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 225 1,772 SH   SOLE NONE 1,772 0 0
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109 480 1,559 SH   SOLE NONE 1,559 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 2,706 7,172 SH   SOLE NONE 7,172 0 0
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 277 670 SH   SOLE NONE 670 0 0
SPDR SER TR PORTFOLI S&P1500 78464A805 220 4,738 SH   SOLE NONE 4,738 0 0
SPDR SER TR NUVEEN BLMBRG MU 78468R721 821 17,895 SH   SOLE NONE 17,895 0 0
SPDR SER TR BBG CONV SEC ETF 78464A359 9,223 142,861 SH   SOLE NONE 142,861 0 0
SSGA ACTIVE ETF TR BLACKSTONE SENR 78467V608 16,407 394,030 SH   SOLE NONE 394,030 0 0
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100 318 3,891 SH   SOLE NONE 3,891 0 0
TEXAS INSTRS INC COM 882508104 948 6,173 SH   SOLE NONE 6,173 0 0
UNITEDHEALTH GROUP INC COM 91324P102 1,414 2,753 SH   SOLE NONE 2,753 0 0
US BANCORP DEL COM NEW 902973304 246 5,350 SH   SOLE NONE 5,350 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 215 2,863 SH   SOLE NONE 2,863 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 612 3,105 SH   SOLE NONE 3,105 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 1,155 27,737 SH   SOLE NONE 27,737 0 0
VANGUARD TAX-MANAGED INTL FD VAN FTSE DEV MKT 921943858 1,631 39,967 SH   SOLE NONE 39,967 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 418 8,234 SH   SOLE NONE 8,234 0 0
VISA INC COM CL A 92826C839 376 1,910 SH   SOLE NONE 1,910 0 0
WALMART INC COM 931142103 263 2,167 SH   SOLE NONE 2,167 0 0