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
AES CORP COM 00130H105 240 11,413 SH   SOLE   0 0 11,413
AT&T INC COM 00206R102 318 15,167 SH   SOLE   0 0 15,166
ABBOTT LABS COM 002824100 462 4,256 SH   SOLE   0 0 4,256
ABBVIE INC COM 00287Y109 1,528 9,979 SH   SOLE   0 0 9,978
ADOBE SYSTEMS INCORPORATED COM 00724F101 609 1,664 SH   SOLE   0 0 1,664
ALLSTATE CORP COM 020002101 527 4,159 SH   SOLE   0 0 4,159
ALLY FINL INC COM 02005N100 368 10,984 SH   SOLE   0 0 10,983
ALPHABET INC CAP STK CL C 02079K107 1,534 701 SH   SOLE   0 0 701
ALPHABET INC CAP STK CL A 02079K305 1,308 600 SH   SOLE   0 0 600
AMAZON COM INC COM 023135106 2,091 19,687 SH   SOLE   0 0 19,687
AMERICAN EXPRESS CO COM 025816109 652 4,703 SH   SOLE   0 0 4,703
AMERICAN TOWER CORP NEW COM 03027X100 744 2,911 SH   SOLE   0 0 2,911
AMGEN INC COM 031162100 391 1,609 SH   SOLE   0 0 1,608
ANNALY CAPITAL MANAGEMENT IN COM 035710409 129 21,787 SH   SOLE   0 0 21,786
APOLLO GLOBAL MGMT INC COM 03769M106 379 7,820 SH   SOLE   0 0 7,819
APPLE INC COM 037833100 16,297 119,202 SH   SOLE   0 0 119,201
AUTOMATIC DATA PROCESSING IN COM 053015103 284 1,352 SH   SOLE   0 0 1,352
AUTONATION INC COM 05329W102 442 3,953 SH   SOLE   0 0 3,952
AUTOZONE INC COM 053332102 389 181 SH   SOLE   0 0 181
BGC PARTNERS INC CL A 05541T101 83 24,632 SH   SOLE   0 0 24,632
BK OF AMERICA CORP COM 060505104 479 15,380 SH   SOLE   0 0 15,379
BANK NEW YORK MELLON CORP COM 064058100 434 10,395 SH   SOLE   0 0 10,394
BECTON DICKINSON & CO COM 075887109 212 859 SH   SOLE   0 0 859
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 4,296 15,734 SH   SOLE   0 0 15,733
BLACKROCK INC COM 09247X101 244 400 SH   SOLE   0 0 400
BLACKSTONE INC COM 09260D107 624 6,842 SH   SOLE   0 0 6,842
BOEING CO COM 097023105 290 2,122 SH   SOLE   0 0 2,122
BRISTOL-MYERS SQUIBB CO COM 110122108 582 7,565 SH   SOLE   0 0 7,564
BROADCOM INC COM 11135F101 204 419 SH   SOLE   0 0 419
BROOKFIELD ASSET MGMT INC CL A LTD VT SH 112585104 324 7,291 SH   SOLE   0 0 7,291
CIGNA CORP NEW COM 125523100 748 2,837 SH   SOLE   0 0 2,837
CSX CORP COM 126408103 229 7,875 SH   SOLE   0 0 7,875
CVS HEALTH CORP COM 126650100 357 3,855 SH   SOLE   0 0 3,854
CAPITAL ONE FINL CORP COM 14040H105 211 2,025 SH   SOLE   0 0 2,025
CARNIVAL CORP COMMON STOCK 143658300 129 14,936 SH   SOLE   0 0 14,936
CARRIER GLOBAL CORPORATION COM 14448C104 427 11,979 SH   SOLE   0 0 11,978
CATERPILLAR INC COM 149123101 341 1,908 SH   SOLE   0 0 1,908
CHEVRON CORP NEW COM 166764100 899 6,208 SH   SOLE   0 0 6,208
CISCO SYS INC COM 17275R102 362 8,483 SH   SOLE   0 0 8,483
CITIGROUP INC COM NEW 172967424 524 11,389 SH   SOLE   0 0 11,388
COCA COLA CO COM 191216100 1,416 22,515 SH   SOLE   0 0 22,514
COLUMBIA ETF TR I DIVERSIFID FXD 19761L508 1,568 88,795 SH   SOLE   0 0 88,795
COMCAST CORP NEW CL A 20030N101 407 10,371 SH   SOLE   0 0 10,370
CONAGRA BRANDS INC COM 205887102 411 12,000 SH   SOLE   0 0 11,999
CONOCOPHILLIPS COM 20825C104 1,015 11,302 SH   SOLE   0 0 11,301
CORNING INC COM 219350105 202 6,425 SH   SOLE   0 0 6,425
COSTCO WHSL CORP NEW COM 22160K105 805 1,679 SH   SOLE   0 0 1,678
COSTAR GROUP INC COM 22160N109 377 6,246 SH   SOLE   0 0 6,246
DANAHER CORPORATION COM 235851102 489 1,929 SH   SOLE   0 0 1,929
DEERE & CO COM 244199105 272 907 SH   SOLE   0 0 907
DISNEY WALT CO COM 254687106 566 5,995 SH   SOLE   0 0 5,994
ELECTRONIC ARTS INC COM 285512109 578 4,752 SH   SOLE   0 0 4,751
ENTERPRISE PRODS PARTNERS L COM 293792107 320 13,126 SH   SOLE   0 0 13,126
EXXON MOBIL CORP COM 30231G102 1,664 19,431 SH   SOLE   0 0 19,430
META PLATFORMS INC CL A 30303M102 1,186 7,357 SH   SOLE   0 0 7,357
FACTSET RESH SYS INC COM 303075105 543 1,411 SH   SOLE   0 0 1,411
FEDEX CORP COM 31428X106 709 3,129 SH   SOLE   0 0 3,128
FOCUS FINL PARTNERS INC COM CL A 34417P100 375 11,000 SH   SOLE   0 0 11,000
GENERAL DYNAMICS CORP COM 369550108 331 1,495 SH   SOLE   0 0 1,495
GENERAL ELECTRIC CO COM NEW 369604301 204 3,206 SH   SOLE   0 0 3,205
GILEAD SCIENCES INC COM 375558103 658 10,646 SH   SOLE   0 0 10,646
GOLDMAN SACHS GROUP INC COM 38141G104 451 1,518 SH   SOLE   0 0 1,518
HOME DEPOT INC COM 437076102 1,666 6,075 SH   SOLE   0 0 6,075
HONEYWELL INTL INC COM 438516106 337 1,941 SH   SOLE   0 0 1,941
HORMEL FOODS CORP COM 440452100 375 7,913 SH   SOLE   0 0 7,913
HUNTSMAN CORP COM 447011107 248 8,742 SH   SOLE   0 0 8,741
INGREDION INC COM 457187102 225 2,552 SH   SOLE   0 0 2,552
INTEL CORP COM 458140100 805 21,514 SH   SOLE   0 0 21,514
INTERNATIONAL BUSINESS MACHS COM 459200101 637 4,510 SH   SOLE   0 0 4,509
INVESCO QQQ TR UNIT SER 1 46090E103 2,540 9,063 SH   SOLE   0 0 9,063
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 1,482 11,041 SH   SOLE   0 0 11,040
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354 902 14,553 SH   SOLE   0 0 14,553
INVESCO EXCH TRADED FD TR II PFD ETF 46138E511 521 42,188 SH   SOLE   0 0 42,188
ISHARES TR CORE S&P TTL STK 464287150 317 3,780 SH   SOLE   0 0 3,780
ISHARES TR SELECT DIVID ETF 464287168 513 4,362 SH   SOLE   0 0 4,362
ISHARES TR CORE S&P500 ETF 464287200 7,127 18,797 SH   SOLE   0 0 18,796
ISHARES TR CORE US AGGBD ET 464287226 670 6,587 SH   SOLE   0 0 6,587
ISHARES TR MSCI EMG MKT ETF 464287234 487 12,138 SH   SOLE   0 0 12,138
ISHARES TR S&P 500 GRWT ETF 464287309 247 4,092 SH   SOLE   0 0 4,092
ISHARES TR MSCI EAFE ETF 464287465 1,151 18,414 SH   SOLE   0 0 18,414
ISHARES TR RUS MD CP GR ETF 464287481 356 4,489 SH   SOLE   0 0 4,489
ISHARES TR RUS MID CAP ETF 464287499 341 5,270 SH   SOLE   0 0 5,270
ISHARES TR CORE S&P MCP ETF 464287507 4,915 21,727 SH   SOLE   0 0 21,726
ISHARES TR COHEN STEER REIT 464287564 719 11,825 SH   SOLE   0 0 11,825
ISHARES TR RUS 1000 VAL ETF 464287598 451 3,114 SH   SOLE   0 0 3,113
ISHARES TR S&P MC 400GR ETF 464287606 263 4,124 SH   SOLE   0 0 4,124
ISHARES TR RUS 1000 GRW ETF 464287614 610 2,789 SH   SOLE   0 0 2,789
ISHARES TR RUSSELL 2000 ETF 464287655 805 4,752 SH   SOLE   0 0 4,752
ISHARES TR U.S. REAL ES ETF 464287739 399 4,337 SH   SOLE   0 0 4,337
ISHARES TR CORE S&P SCP ETF 464287804 1,344 14,546 SH   SOLE   0 0 14,545
ISHARES TR EUROPE ETF 464287861 221 5,176 SH   SOLE   0 0 5,176
ISHARES TR EAFE SML CP ETF 464288273 218 4,000 SH   SOLE   0 0 4,000
ISHARES TR NATIONAL MUN ETF 464288414 4,488 42,198 SH   SOLE   0 0 42,198
ISHARES TR INTL SEL DIV ETF 464288448 306 11,263 SH   SOLE   0 0 11,263
ISHARES TR PFD AND INCM SEC 464288687 505 15,345 SH   SOLE   0 0 15,344
ISHARES TR EAFE VALUE ETF 464288877 332 7,651 SH   SOLE   0 0 7,651
ISHARES TR EAFE GRWTH ETF 464288885 387 4,810 SH   SOLE   0 0 4,810
ISHARES TR 0-5 YR TIPS ETF 46429B747 11,484 113,225 SH   SOLE   0 0 113,224
ISHARES TR MSCI USA QLT FCT 46432F339 72,762 651,230 SH   SOLE   0 0 651,229
ISHARES TR CORE MSCI EAFE 46432F842 3,499 59,452 SH   SOLE   0 0 59,452
ISHARES INC CORE MSCI EMKT 46434G103 1,460 29,752 SH   SOLE   0 0 29,752
ISHARES TR MSCI USA SML CP 46434V290 10,201 217,560 SH   SOLE   0 0 217,559
ISHARES TR CORE TOTAL USD 46434V613 6,730 143,732 SH   SOLE   0 0 143,732
JPMORGAN CHASE & CO COM 46625H100 2,407 21,375 SH   SOLE   0 0 21,375
JOHNSON & JOHNSON COM 478160104 1,670 9,410 SH   SOLE   0 0 9,409
LKQ CORP COM 501889208 421 8,585 SH   SOLE   0 0 8,584
LILLY ELI & CO COM 532457108 4,811 14,838 SH   SOLE   0 0 14,838
LOWES COS INC COM 548661107 236 1,350 SH   SOLE   0 0 1,350
MAGELLAN MIDSTREAM PRTNRS LP COM UNIT RP LP 559080106 218 4,555 SH   SOLE   0 0 4,555
MARRIOTT INTL INC NEW CL A 571903202 282 2,071 SH   SOLE   0 0 2,071
MASTERCARD INCORPORATED CL A 57636Q104 311 987 SH   SOLE   0 0 987
MCDONALDS CORP COM 580135101 664 2,690 SH   SOLE   0 0 2,690
MERCK & CO INC COM 58933Y105 1,927 21,132 SH   SOLE   0 0 21,132
MICROSOFT CORP COM 594918104 6,054 23,574 SH   SOLE   0 0 23,573
MONROE CAP CORP COM 610335101 141 15,598 SH   SOLE   0 0 15,598
MONSTER BEVERAGE CORP NEW COM 61174X109 408 4,405 SH   SOLE   0 0 4,405
NRG ENERGY INC COM NEW 629377508 274 7,188 SH   SOLE   0 0 7,188
NETFLIX INC COM 64110L106 716 4,094 SH   SOLE   0 0 4,094
NEXTERA ENERGY INC COM 65339F101 1,449 18,700 SH   SOLE   0 0 18,700
NVIDIA CORPORATION COM 67066G104 597 3,936 SH   SOLE   0 0 3,936
ORACLE CORP COM 68389X105 686 9,817 SH   SOLE   0 0 9,816
OTIS WORLDWIDE CORP COM 68902V107 274 3,882 SH   SOLE   0 0 3,882
PVH CORPORATION COM 693656100 542 9,517 SH   SOLE   0 0 9,516
PALO ALTO NETWORKS INC COM 697435105 207 419 SH   SOLE   0 0 419
PEPSICO INC COM 713448108 813 4,879 SH   SOLE   0 0 4,878
PFIZER INC COM 717081103 1,144 21,813 SH   SOLE   0 0 21,812
PROCTER AND GAMBLE CO COM 742718109 2,293 15,944 SH   SOLE   0 0 15,943
QUALCOMM INC COM 747525103 781 6,118 SH   SOLE   0 0 6,117
QUEST DIAGNOSTICS INC COM 74834L100 2,213 16,642 SH   SOLE   0 0 16,642
RAYTHEON TECHNOLOGIES CORP COM 75513E101 882 9,181 SH   SOLE   0 0 9,181
REALTY INCOME CORP COM 756109104 450 6,598 SH   SOLE   0 0 6,597
RELX PLC SPONSORED ADR 759530108 204 7,589 SH   SOLE   0 0 7,589
REPUBLIC SVCS INC COM 760759100 677 5,171 SH   SOLE   0 0 5,170
RESTAURANT BRANDS INTL INC COM 76131D103 403 8,046 SH   SOLE   0 0 8,045
RIO TINTO PLC SPONSORED ADR 767204100 206 3,374 SH   SOLE   0 0 3,374
S&P GLOBAL INC COM 78409V104 422 1,251 SH   SOLE   0 0 1,251
SPDR S&P 500 ETF TR TR UNIT 78462F103 28,304 75,026 SH   SOLE   0 0 75,026
SPDR GOLD TR GOLD SHS 78463V107 385 2,286 SH   SOLE   0 0 2,285
SPDR SER TR PORTFOLIO INTRMD 78464A375 865 26,511 SH   SOLE   0 0 26,510
SPDR SER TR PORTFOLIO AGRGTE 78464A649 6,994 265,424 SH   SOLE   0 0 265,424
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109 696 2,262 SH   SOLE   0 0 2,262
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 388 938 SH   SOLE   0 0 937
SPDR SER TR SPDR S&P 500 ETF 78468R796 360 3,903 SH   SOLE   0 0 3,903
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 6,800 153,882 SH   SOLE   0 0 153,882
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 1,331 52,440 SH   SOLE   0 0 52,440
SCHWAB STRATEGIC TR US REIT ETF 808524847 258 12,241 SH   SOLE   0 0 12,241
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 328 2,555 SH   SOLE   0 0 2,554
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 798 5,806 SH   SOLE   0 0 5,805
SELECT SECTOR SPDR TR ENERGY 81369Y506 1,205 16,857 SH   SOLE   0 0 16,856
SELECT SECTOR SPDR TR FINANCIAL 81369Y605 537 17,068 SH   SOLE   0 0 17,068
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704 217 2,481 SH   SOLE   0 0 2,481
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 4,355 34,256 SH   SOLE   0 0 34,256
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852 484 8,910 SH   SOLE   0 0 8,909
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886 272 3,877 SH   SOLE   0 0 3,876
SEMPRA COM 816851109 223 1,485 SH   SOLE   0 0 1,485
STARBUCKS CORP COM 855244109 581 7,601 SH   SOLE   0 0 7,601
SYSCO CORP COM 871829107 229 2,701 SH   SOLE   0 0 2,701
TJX COS INC NEW COM 872540109 386 6,913 SH   SOLE   0 0 6,913
TESLA INC COM 88160R101 336 499 SH   SOLE   0 0 499
THERMO FISHER SCIENTIFIC INC COM 883556102 273 502 SH   SOLE   0 0 502
3M CO COM 88579Y101 314 2,423 SH   SOLE   0 0 2,423
US BANCORP DEL COM NEW 902973304 279 6,052 SH   SOLE   0 0 6,052
UNION PAC CORP COM 907818108 635 2,979 SH   SOLE   0 0 2,979
UNITED PARCEL SERVICE INC CL B 911312106 1,044 5,719 SH   SOLE   0 0 5,718
UNITEDHEALTH GROUP INC COM 91324P102 1,261 2,455 SH   SOLE   0 0 2,455
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 18,023 125,623 SH   SOLE   0 0 125,622
VANGUARD ADMIRAL FDS INC 500 GRTH IDX F 921932505 1,820 8,361 SH   SOLE   0 0 8,361
VANGUARD WELLINGTON FD US QUALITY 921935706 5,468 55,817 SH   SOLE   0 0 55,817
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 15,395 200,483 SH   SOLE   0 0 200,482
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 349 4,634 SH   SOLE   0 0 4,634
VANGUARD TAX-MANAGED INTL FD VAN FTSE DEV MKT 921943858 200 4,907 SH   SOLE   0 0 4,907
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 978 23,481 SH   SOLE   0 0 23,481
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504 8,488 36,041 SH   SOLE   0 0 36,040
VANGUARD WORLD FDS INF TECH ETF 92204A702 224 686 SH   SOLE   0 0 686
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 1,220 3,516 SH   SOLE   0 0 3,515
VANGUARD INDEX FDS SM CP VAL ETF 922908611 203 1,354 SH   SOLE   0 0 1,353
VANGUARD INDEX FDS MID CAP ETF 922908629 2,119 10,757 SH   SOLE   0 0 10,757
VANGUARD INDEX FDS VALUE ETF 922908744 1,367 10,368 SH   SOLE   0 0 10,368
VANGUARD INDEX FDS TOTAL STK MKT 922908769 8,182 43,377 SH   SOLE   0 0 43,377
VERIZON COMMUNICATIONS INC COM 92343V104 1,560 30,734 SH   SOLE   0 0 30,734
VISA INC COM CL A 92826C839 1,198 6,085 SH   SOLE   0 0 6,084
WALMART INC COM 931142103 539 4,431 SH   SOLE   0 0 4,430
WISDOMTREE TR EMG MKTS SMCAP 97717W281 224 5,021 SH   SOLE   0 0 5,021
WISDOMTREE TR US LARGECAP DIVD 97717W307 508 8,588 SH   SOLE   0 0 8,588
WISDOMTREE TR EMER MKT HIGH FD 97717W315 659 17,791 SH   SOLE   0 0 17,790
WISDOMTREE TR US MIDCAP DIVID 97717W505 1,014 26,026 SH   SOLE   0 0 26,025
WISDOMTREE TR US SMALLCAP DIVD 97717W604 706 25,010 SH   SOLE   0 0 25,009
WISDOMTREE TR EUROPE HEDGED EQ 97717X701 301 4,600 SH   SOLE   0 0 4,600
BROOKFIELD INFRAST PARTNERS LP INT UNIT G16252101 233 6,102 SH   SOLE   0 0 6,102
LINDE PLC SHS G5494J103 818 2,846 SH   SOLE   0 0 2,846
MEDTRONIC PLC SHS G5960L103 1,045 11,638 SH   SOLE   0 0 11,637
WEJO GROUP LIMITED COMMON SHARES G9525W109 71 59,538 SH   SOLE   0 0 59,538