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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ALPS ETF TR OSHARES EUR QLT 00162Q379 7,782 344,332 SH   SOLE   0 0 344,332
ISHARES INC CORE MSCI EMKT 46434G103 462 9,418 SH   SOLE   0 0 9,418
ISHARES TR IBOXX HI YD ETF 464288513 1,057 14,357 SH   SOLE   0 0 14,357
ISHARES TR EAFE VALUE ETF 464288877 866 19,956 SH   SOLE   0 0 19,956
ISHARES TR 7-10 YR TRSY BD 464287440 592 5,785 SH   SOLE   0 0 5,785
ISHARES TR MBS ETF 464288588 612 6,282 SH   SOLE   0 0 6,282
ISHARES TR MSCI EAFE ETF 464287465 2,491 39,856 SH   SOLE   0 0 39,856
ISHARES TR CORE MSCI TOTAL 46432F834 620 10,865 SH   SOLE   0 0 10,865
ISHARES TR RUS 1000 ETF 464287622 13,140 63,247 SH   SOLE   0 0 63,247
ISHARES TR RUS 1000 VAL ETF 464287598 1,275 8,796 SH   SOLE   0 0 8,796
ISHARES TR RUSSELL 2000 ETF 464287655 991 5,854 SH   SOLE   0 0 5,854
ISHARES TR RESIDENTIAL MULT 464288562 577 7,212 SH   SOLE   0 0 7,212
ISHARES TR CORE S&P500 ETF 464287200 1,017 2,683 SH   SOLE   0 0 2,683
ISHARES TR S&P 500 GRWT ETF 464287309 587 9,730 SH   SOLE   0 0 9,730
ISHARES TR SP SMCP600VL ETF 464287879 1,101 12,370 SH   SOLE   0 0 12,370
ISHARES TR CORE S&P MCP ETF 464287507 22,533 99,600 SH   SOLE   0 0 99,600
ISHARES TR NATIONAL MUN ETF 464288414 1,037 9,746 SH   SOLE   0 0 9,746
ISHARES TR ISHS 1-5YR INVS 464288646 670 13,257 SH   SOLE   0 0 13,257
ISHARES TR EXPONENTIAL TECH 46434V381 241 5,031 SH   SOLE   0 0 5,031
ISHARES TR US HLTHCARE ETF 464287762 323 1,200 SH   SOLE   0 0 1,200
ISHARES TR FLTG RATE NT ETF 46429B655 3,653 73,177 SH   SOLE   0 0 73,177
ISHARES TR SELECT DIVID ETF 464287168 223 1,896 SH   SOLE   0 0 1,896
ISHARES TR JPMORGAN USD EMG 464288281 14,981 175,591 SH   SOLE   0 0 175,591
ISHARES TR EAFE SML CP ETF 464288273 25,465 466,478 SH   SOLE   0 0 466,478
ISHARES TR RUS 2000 VAL ETF 464287630 1,823 13,390 SH   SOLE   0 0 13,390
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837 260 5,191 SH   SOLE   0 0 5,191
JOHNSON & JOHNSON COM 478160104 498 2,806 SH   SOLE   0 0 2,806
LILLY ELI & CO COM 532457108 7,914 24,409 SH   SOLE   0 0 24,409
MASTERCARD INCORPORATED CL A 57636Q104 326 1,032 SH   SOLE   0 0 1,032
MGM RESORTS INTERNATIONAL COM 552953101 393 13,565 SH   SOLE   0 0 13,565
MICROSOFT CORP COM 594918104 1,000 3,895 SH   SOLE   0 0 3,895
NVIDIA CORPORATION COM 67066G104 283 1,866 SH   SOLE   0 0 1,866
PEPSICO INC COM 713448108 270 1,623 SH   SOLE   0 0 1,623
PROCTER AND GAMBLE CO COM 742718109 212 1,477 SH   SOLE   0 0 1,477
SCHWAB STRATEGIC TR US TIPS ETF 808524870 17,033 305,251 SH   SOLE   0 0 305,251
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 494 12,663 SH   SOLE   0 0 12,663
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 2,605 82,834 SH   SOLE   0 0 82,834
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 232 5,251 SH   SOLE   0 0 5,251
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 397 5,537 SH   SOLE   0 0 5,537
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 524 11,727 SH   SOLE   0 0 11,727
SELECT SECTOR SPDR TR FINANCIAL 81369Y605 697 22,177 SH   SOLE   0 0 22,177
SELECT SECTOR SPDR TR RL EST SEL SEC 81369Y860 10,928 267,448 SH   SOLE   0 0 267,448
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886 294 4,193 SH   SOLE   0 0 4,193
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 2,706 21,099 SH   SOLE   0 0 21,099
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704 342 3,914 SH   SOLE   0 0 3,914
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 497 3,908 SH   SOLE   0 0 3,908
SOUTHERN CO COM 842587107 327 4,589 SH   SOLE   0 0 4,589
SOUTHERN COPPER CORP COM 84265V105 560 11,233 SH   SOLE   0 0 11,233
SPDR S&P 500 ETF TR TR UNIT 78462F103 829 2,198 SH   SOLE   0 0 2,198
SPDR SER TR S&P HOMEBUILD 78464A888 243 4,433 SH   SOLE   0 0 4,433
SPDR SER TR S&P 600 SMCP VAL 78464A300 24,336 336,083 SH   SOLE   0 0 336,083
SPDR SER TR AEROSPACE DEF 78464A631 2,234 22,205 SH   SOLE   0 0 22,205
SPDR SER TR S&P BIOTECH 78464A870 20,804 280,117 SH   SOLE   0 0 280,117
SPDR SER TR DJ REIT ETF 78464A607 2,421 25,462 SH   SOLE   0 0 25,462
STARBUCKS CORP COM 855244109 287 3,756 SH   SOLE   0 0 3,756
TESLA INC COM 88160R101 950 1,411 SH   SOLE   0 0 1,411
UNITEDHEALTH GROUP INC COM 91324P102 388 756 SH   SOLE   0 0 756
VANECK ETF TRUST SEMICONDUCTR ETF 92189F676 221 1,084 SH   SOLE   0 0 1,084
VANECK ETF TRUST FALLEN ANGEL HG 92189F437 13,489 499,210 SH   SOLE   0 0 499,210
VANGUARD ADMIRAL FDS INC 500 GRTH IDX F 921932505 225 1,034 SH   SOLE   0 0 1,034
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 4,147 83,705 SH   SOLE   0 0 83,705
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 918 10,080 SH   SOLE   0 0 10,080
VANGUARD INDEX FDS SML CP GRW ETF 922908595 34,053 172,831 SH   SOLE   0 0 172,831
VANGUARD INDEX FDS TOTAL STK MKT 922908769 3,365 17,838 SH   SOLE   0 0 17,838
VANGUARD INDEX FDS MID CAP ETF 922908629 658 3,339 SH   SOLE   0 0 3,339
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 4,187 100,530 SH   SOLE   0 0 100,530
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 28,476 373,410 SH   SOLE   0 0 373,410
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 35,357 246,443 SH   SOLE   0 0 246,443
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810 28,854 420,552 SH   SOLE   0 0 420,552
VANGUARD WORLD FD ESG US STK ETF 921910733 15,102 227,441 SH   SOLE   0 0 227,441
VERIZON COMMUNICATIONS INC COM 92343V104 438 8,622 SH   SOLE   0 0 8,622
WELLTOWER INC COM 95040Q104 1,376 16,706 SH   SOLE   0 0 16,706
WEYERHAEUSER CO MTN BE COM NEW 962166104 360 10,862 SH   SOLE   0 0 10,862