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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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
CION INVESTMENT CORP 40 ACT REGISTERED MARYLAND COM 17259U105 245 29,853 SH   SOLE   29,853 0 0
ISHARES EDGE MSCI MIN VOL GBL ETF 464286525 10,853 237,562 SH   SOLE   237,562 0 0
ISHARES CORE US AGGREGATE BOND ETF CORE US AGGBD ET 464287226 595 5,292 SH   SOLE   5,292 0 0
WISDOMTREE INTRST RT HDG AGRGT ETF INTRST RATE HDGE 97717W380 9,993 207,886 SH   SOLE   207,886 0 0
AMAZON COM INC COM 023135106 365 198 SH   SOLE   198 0 0
BOEING CO COM 097023105 362 1,110 SH   SOLE   1,110 0 0
BIOTELEMETRY INC COM 090672106 366 7,899 SH   SOLE   7,899 0 0
BALL CORP COM 058498106 369 5,710 SH   SOLE   5,710 0 0
BERKSHIRE HATHAWAY CLASS B CL B NEW 084670702 718 3,171 SH   SOLE   3,171 0 0
VANGUARD SHORT TERM BOND ETF SHORT TRM BOND 921937827 767 9,514 SH   SOLE   9,514 0 0
BOSTON SCIENTIFIC COM 101137107 240 5,315 SH   SOLE   5,315 0 0
CUBIC CORP COM 229669106 236 3,720 SH   SOLE   3,720 0 0
XTRCKRS MSCI EMRG MRKT HDGD EQY ETF XTRACK MSCI EMRG 233051101 4,602 193,676 SH   SOLE   193,676 0 0
SPDR DOW JONES INDUSTRIAL AVRG ETF UT SER 1 78467X109 541 1,898 SH   SOLE   1,898 0 0
ISHARES MSCI EAFE ETF MSCI EAFE ETF 464287465 255 3,676 SH   SOLE   3,676 0 0
ENSIGN GROUP INC COM 29358P101 378 8,338 SH   SOLE   8,338 0 0
SPDR GOLD MINI SHARES TRUST SPDR GLD MINIS 98149E204 213 14,100 SH   SOLE   14,100 0 0
ISHARES INTERMEDT TERM CORP BOND ETF INTRM TR CRP ETF 464288638 8,530 147,117 SH   SOLE   147,117 0 0
ISHARES US AEROSPACE DEFENSE ETF US AER DEF ETF 464288760 366 1,646 SH   SOLE   1,646 0 0
ISHARES RUSSELL 1000 GROWTH ETF RUS 1000 GRW ETF 464287614 237 1,347 SH   SOLE   1,347 0 0
ISHARES RUSSELL 2000 ETF RUSSELL 2000 ETF 464287655 492 2,967 SH   SOLE   2,967 0 0
JPMORGAN DIVERSIFIED RTN GBL EQT ETF DIV RTN GLB EQ 46641Q100 10,699 171,963 SH   SOLE   171,963 0 0
JAMES RIV GROUP LTD COM G5005R107 384 9,320 SH   SOLE   9,320 0 0
SPDR SERIES TRUST SSGA US LRG ETF 78468R804 823 7,210 SH   SOLE   7,210 0 0
MEDTRONIC PLC F SHS G5960L103 802 7,072 SH   SOLE   7,072 0 0
VANGUARD MEGA CAP ETC MEGA CAP INDEX 921910873 225 2,018 SH   SOLE   2,018 0 0
3M COMPANY COM 88579Y101 8,553 48,748 SH   SOLE   48,748 0 0
INDEXIQ MERGER ARBITRAGE ETF IQ MRGR ARB ETF 45409B800 4,232 127,482 SH   SOLE   127,482 0 0
MICROSOFT CORP COM 594918104 1,283 8,140 SH   SOLE   8,140 0 0
ISHARES TR NATIONAL MUN ETF 464288414 886 7,781 SH   SOLE   7,781 0 0
SPDR SERIES TRUST RUSSELL LOW VOL 78468R754 852 9,887 SH   SOLE   9,887 0 0
INVESCO ACTIVELY MANAGD ETF S&P500 DOWNSID 46090A705 574 20,535 SH   SOLE   20,535 0 0
INVESCO ACTIVELY MANAGD ETF ACTIVE US REAL 46090A101 3,208 33,498 SH   SOLE   33,498 0 0
INVESCO QQQ TRUST UNIT SER 1 46090E103 2,204 10,368 SH   SOLE   10,368 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL TEC 46137V282 717 3,622 SH   SOLE   3,622 0 0
SCHWAB US SMALL CAP ETF US SML CAP ETF 808524607 792 10,475 SH   SOLE   10,475 0 0
SCHWAB US BROAD MARKET ETF Total US BRD MKT ETF 808524102 11,782 153,255 SH   SOLE   153,255 0 0
SCHWAB US DIVIDEND EQUITY ETF US DIVIDEND EQ 808524797 13,919 240,313 SH   SOLE   240,313 0 0
SCHWAB US LARGE CAP GROWTH ETF US LCAP GR ETF 808524300 9,163 98,167 SH   SOLE   98,167 0 0
CHARLES SCHWAB US MC ETF US MID-CAP ETF 808524508 7,623 126,738 SH   SOLE   126,738 0 0
SCHWAB SHORT TERM US TREASURY ETF SHT TM US TRES 808524862 14,629 289,789 SH   SOLE   289,789 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870 1,799 31,769 SH   SOLE   31,769 0 0
SCHWAB STRATEGIC TR INTRM TRM TRES 808524854 3,068 55,858 SH   SOLE   55,858 0 0
SCHWAB US AGGREGATE BOND ETF US AGGREGATE B 808524839 10,253 191,887 SH   SOLE   191,887 0 0
ISHARES TR EDGE MSCI MINM 46435G433 5,409 155,326 SH   SOLE   155,326 0 0
SPDR MSCI ACWI IMI ETF PORTFLI MSCI GBL 78463X475 1,180 27,498 SH   SOLE   27,498 0 0
INVESCO EXCHNG TRADED FD TR S&P500 LOW VOL 46138E354 824 14,120 SH   SOLE   14,120 0 0
SPDR S&P 500 ETF TR UNIT 78462F103 1,682 5,228 SH   SOLE   5,228 0 0
SPDR BLACKSTONE GSO SENIOR LOAN ETF BLKSTN GSOSRLN 78467V608 7,302 156,762 SH   SOLE   156,762 0 0
TRAVELERS COMPANIES COM 89417E109 1,030 6,787 SH   SOLE   6,787 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 301 3,300 SH   SOLE   3,300 0 0
VANGUARD WORLD FDS CONSUM STP ETF 92204A207 220 1,364 SH   SOLE   1,364 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 214 2,308 SH   SOLE   2,308 0 0
VERIZON COM 92343V104 278 4,525 SH   SOLE   4,525 0 0
ABSOLUTE SHS TR WBI BULBEAR TR 00400R841 309 15,140 SH   SOLE   15,140 0 0
SPDR SERIES TRUST HLTH CR EQUIP 78464A581 434 5,065 SH   SOLE   5,065 0 0
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852 794 14,800 SH   SOLE   14,800 0 0
SELECT SECTOR SPDR TR ENERGY 81369Y506 802 13,351 SH   SOLE   13,351 0 0
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308 1,250 19,857 SH   SOLE   19,857 0 0
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886 1,090 16,871 SH   SOLE   16,871 0 0
WALT DISNEY COMPANY COM 254687106 333 2,303 SH   SOLE   2,303 0 0
ISHARES TR CONSER ALLOC ETF 464289883 305 8,429 SH   SOLE   8,420 0 0
AMERICAN CENTY ETF TR US SML CP VALU 025072887 465 8,575 SH   SOLE   8,575 0 0
WISDOMTREE TR US MIDCAP DIVID 97717W505 278 7,313 SH   SOLE   7,313 0 0
ECOLAB INC COM 278865100 7,700 39,902 SH   SOLE   39,902 0 0
WISDOMTREE TR US SMALLCAP FUND 97717W562 412 10,720 SH   SOLE   10,720 0 0
WISDOMTREE TR US MIDCAP FUND 97717W570 1,216 28,892 SH   SOLE   28,892 0 0
FIRST TR EXCHNG TRADED FD VI TCW OPPORTUNIS 33740F805 443 8,555 SH   SOLE   8,555 0 0
FIRST TR EXCHANGE TRADED FD SENIOR LN FD 33738D309 394 8,215 SH   SOLE   8,215 0 0
FULLER H B CO COM 359694106 201 3,912 SH   SOLE   3,912 0 0
WISDOMTREE TR HEDGED HI YLD BD 97717W430 355 15,322 SH   SOLE   15,322 0 0
ISHARES TR INTL QLTY FACTOR 46434V456 745 23,080 SH   SOLE   23,080 0 0
ISHARES TR RUS 1000 VAL ETF 464287598 329 2,413 SH   SOLE   2,413 0 0
ISHARES TR RUS MID CAP ETF 464287499 360 6,036 SH   SOLE   6,036 0 0
JOHNSON & JOHNSON COM 478160104 219 1,500 SH   SOLE   1,500 0 0
JP MORGAN EXCHANGE TRADED FD ULTRA SHRT INC 46641Q837 2,791 55,342 SH   SOLE   55,342 0 0
FIRST TR EXCHANGE TRADED FD FST LOW OPPT EFT 33739Q200 484 9,351 SH   SOLE   9,351 0 0
LADENBURG THALMAN COM 50575Q201 458 18,262 SH   SOLE   18,262 0 0
ISHARES TR USA MOMENTUM FCT 46432F396 536 4,268 SH   SOLE   4,268 0 0
INVESCO ACTIVELY MANAGD ETF ACTIVE US REAL 46090A101 336 3,507 SH   SOLE   3,507 0 0
INVESCO EXCHNG TRADED FD TR FTSE RAFI EMNG 46138E727 347 15,596 SH   SOLE   15,596 0 0
ISHARES TR USA QUALITY FCTR 46432F339 397 3,936 SH   SOLE   3,936 0 0
SPDR SERIES TRUST PRTFLO S&P500 HI 78468R788 949 24,054 SH   SOLE   24,054 0 0
ISHARES TR 0-5 YR TIPS ETF 46429B747 210 2,092 SH   SOLE   2,092 0 0
XCEL ENERGY INC COM 98389B100 479 7,541 SH   SOLE   7,541 0 0