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
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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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
EATON CORP PLC SHS G29183103   1,191,745 3,591 SH   SOLE   0 0 3,591
ABBVIE INC COM 00287Y109   1,049,319 5,905 SH   SOLE   0 0 5,905
ETFS GOLD TR PHYSCL GOLD SHS 00326A104   7,762,694 309,888 SH   SOLE   0 0 309,888
ALPHABET INC CAP STK CL A 02079K305   947,447 5,005 SH   SOLE   0 0 5,005
AMAZON COM INC COM 023135106   286,085 1,304 SH   SOLE   0 0 1,304
AMGEN INC COM 031162100   865,585 3,321 SH   SOLE   0 0 3,321
APPLE INC COM 037833100   5,902,529 23,571 SH   SOLE   0 0 23,571
BRISTOL-MYERS SQUIBB CO COM 110122108   1,010,558 17,867 SH   SOLE   0 0 17,867
BROADCOM INC COM 11135F101   1,238,257 5,341 SH   SOLE   0 0 5,341
CAPITAL GROUP GROWTH ETF SHS CREATION UNI 14020G101   3,668,828 98,704 SH   SOLE   0 0 98,704
CAPITAL GROUP CORE EQUITY ET SHS CREATION UNI 14020V108   567,528 16,229 SH   SOLE   0 0 16,229
CAPITAL GROUP DIVIDEND VALUE SHS CREATION UNI 14020W106   2,824,538 80,106 SH   SOLE   0 0 80,106
COMCAST CORP NEW CL A 20030N101   854,821 22,777 SH   SOLE   0 0 22,777
EXXON MOBIL CORP COM 30231G102   527,631 4,905 SH   SOLE   0 0 4,905
GENERAL MLS INC COM 370334104   973,003 15,258 SH   SOLE   0 0 15,258
HOME DEPOT INC COM 437076102   1,142,853 2,938 SH   SOLE   0 0 2,938
INTERNATIONAL BUSINESS MACHS COM 459200101   1,084,861 4,935 SH   SOLE   0 0 4,935
ISHARES TR SELECT DIVID ETF 464287168   201,793 1,537 SH   SOLE   0 0 1,537
ISHARES TR TIPS BD ETF 464287176   5,232,777 49,111 SH   SOLE   0 0 49,111
ISHARES TR CORE S&P500 ETF 464287200   8,119,075 13,792 SH   SOLE   0 0 13,792
ISHARES TR CORE S&P MCP ETF 464287507   558,671 8,966 SH   SOLE   0 0 8,966
ISHARES TR RUS 1000 VAL ETF 464287598   736,632 3,979 SH   SOLE   0 0 3,979
ISHARES TR CORE S&P US GWT 464287671   234,247 1,681 SH   SOLE   0 0 1,681
ISHARES TR CORE S&P SCP ETF 464287804   264,084 2,292 SH   SOLE   0 0 2,292
ISHARES TR CORE 80/20 AGGRE 464289859   669,495 8,739 SH   SOLE   0 0 8,739
ISHARES TR CORE 60/40 BALAN 464289867   299,554 5,226 SH   SOLE   0 0 5,226
ISHARES TR HDG MSCI EAFE 46434V803   2,382,773 68,569 SH   SOLE   0 0 68,569
ISHARES TR TRS FLT RT BD 46434V860   5,554,224 110,050 SH   SOLE   0 0 110,050
KROGER CO COM 501044101   1,119,718 18,311 SH   SOLE   0 0 18,311
LENNAR CORP CL A 526057104   468,295 3,434 SH   SOLE   0 0 3,434
LOCKHEED MARTIN CORP COM 539830109   952,928 1,961 SH   SOLE   0 0 1,961
LOWES COS INC COM 548661107   1,012,620 4,103 SH   SOLE   0 0 4,103
MCDONALDS CORP COM 580135101   955,767 3,297 SH   SOLE   0 0 3,297
MERCK & CO INC COM 58933Y105   936,107 9,410 SH   SOLE   0 0 9,410
MICROSOFT CORP COM 594918104   716,550 1,700 SH   SOLE   0 0 1,700
PROCTER AND GAMBLE CO COM 742718109   1,032,221 6,157 SH   SOLE   0 0 6,157
PROSHARES TR S&P 500 DV ARIST 74348A467   2,168,796 21,786 SH   SOLE   0 0 21,786
QUALCOMM INC COM 747525103   896,834 5,838 SH   SOLE   0 0 5,838
SPDR S&P 500 ETF TR TR UNIT 78462F103   9,390,174 16,022 SH   SOLE   0 0 16,022
SPDR GOLD TR GOLD SHS 78463V107   205,084 847 SH   SOLE   0 0 847
SPDR SERIES TRUST PORTFOLIO S&P500 78464A854   743,380 10,783 SH   SOLE   0 0 10,783
SPDR SERIES TRUST BLOOMBERG 1-3 MO 78468R663   11,914,243 130,310 SH   SOLE   0 0 130,310
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   265,269 9,518 SH   SOLE   0 0 9,518
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   4,354,487 159,388 SH   SOLE   0 0 159,388
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   338,147 2,458 SH   SOLE   0 0 2,458
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407   205,505 916 SH   SOLE   0 0 916
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   358,802 7,424 SH   SOLE   0 0 7,424
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   450,159 1,936 SH   SOLE   0 0 1,936
STARBUCKS CORP COM 855244109   875,726 9,597 SH   SOLE   0 0 9,597
TESLA INC COM 88160R101   459,166 1,137 SH   SOLE   0 0 1,137
TWIST BIOSCIENCE CORP COM 90184D100   259,163 5,577 SH   SOLE   0 0 5,577
UNITED PARCEL SERVICE INC CL B 911312106   694,811 5,510 SH   SOLE   0 0 5,510
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   214,694 4,434 SH   SOLE   0 0 4,434
VANGUARD WORLD FD HEALTH CAR ETF 92204A504   214,875 847 SH   SOLE   0 0 847
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   4,161,441 71,527 SH   SOLE   0 0 71,527
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   468,765 870 SH   SOLE   0 0 870
VANGUARD INDEX FDS MID CAP ETF 922908629   214,209 811 SH   SOLE   0 0 811
VANGUARD INDEX FDS VALUE ETF 922908744   1,936,284 11,437 SH   SOLE   0 0 11,437
VANGUARD INDEX FDS TOTAL STK MKT 922908769   15,340,513 52,933 SH   SOLE   0 0 52,933
VISA INC COM CL A 92826C839   1,241,089 3,927 SH   SOLE   0 0 3,927
WISDOMTREE TR FLOATNG RAT TREA 97717Y527   7,036,698 139,839 SH   SOLE   0 0 139,839