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
PIMCO ETF TR ACTIVE BD ETF 72201R775 20,319 185,630 SH   SOLE   0 0 185,630
GOLDMAN SACHS ETF TR ACTIVEBETA INT 381430107 953 28,832 SH   SOLE   0 0 28,832
ISHARES TR CORE S&P SCP ETF 464287804 9,182 84,606 SH   SOLE   0 0 84,606
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 17,362 170,367 SH   SOLE   0 0 170,367
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 3,921 53,767 SH   SOLE   0 0 53,767
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 5,604 75,290 SH   SOLE   0 0 75,290
SSGA ACTIVE ETF TR SPDR TR TACTIC 78467V848 12,976 269,165 SH   SOLE   0 0 269,165
ISHARES TR MSCI MIN VOL ETF 46429B697 7,988 115,446 SH   SOLE   0 0 115,446
JP MORGAN EXCHANGE TRADED FD DIV RTN INT EQ 46641Q209 254 4,163 SH   SOLE   0 0 4,163
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 4,076 31,407 SH   SOLE   0 0 31,407
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 2,283 23,603 SH   SOLE   0 0 23,603
JP MORGAN EXCHANGE TRADED FD ULTRA SHRT INC 46641Q837 15,478 305,941 SH   SOLE   0 0 305,941
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 3,400 34,117 SH   SOLE   0 0 34,117
ISHARES TR USA MOMENTUM FCT 46432F396 1,202 7,474 SH   SOLE   0 0 7,474
INVESCO EXCH TRD SLF IDX FD RUSL 1000 DYNM 46138J619 445 10,094 SH   SOLE   0 0 10,094
TESLA INC COM 88160R101 1,027 1,538 SH   SOLE   0 0 1,538
ISHARES INC MIN VOL GBL ETF 464286525 6,996 70,908 SH   SOLE   0 0 70,908
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 1,103 11,481 SH   SOLE   0 0 11,481
APPLE INC COM 037833100 2,781 22,771 SH   SOLE   0 0 22,771
ISHARES INC MSCI EQUAL WEITE 464286681 1,561 19,919 SH   SOLE   0 0 19,919
SPDR SERIES TRUST MSCI USA STRTGIC 78468R812 1,011 9,106 SH   SOLE   0 0 9,106
ISHARES TR GRWT ALLOCAT ETF 464289867 411 7,668 SH   SOLE   0 0 7,668
VANGUARD INDEX FDS MID CAP ETF 922908629 3,503 15,825 SH   SOLE   0 0 15,825
ISHARES TR USA QUALITY FCTR 46432F339 1,174 9,643 SH   SOLE   0 0 9,643
INVESCO EXCHNG TRADED FD TR S&P 500 LOW VOL 46138E354 2,559 44,006 SH   SOLE   0 0 44,006
WISDOMTREE TR US SMALLCAP DIVD 97717W604 248 7,966 SH   SOLE   0 0 7,966
WISDOMTREE TR US MIDCAP DIVID 97717W505 936 23,160 SH   SOLE   0 0 23,160
CALIFORNIA BANCORP COM 13005U101 47 2,625 SH   SOLE   0 0 2,625
SPDR SERIES TRUST S&P 400 MDCP GRW 78464A821 359 4,775 SH   SOLE   0 0 4,775
ZYNGA INC CL A 98986T108 15 1,466 SH   SOLE   0 0 1,466
PIMCO ETF TR ENHNCD LW DUR AC 72201R718 8 78 SH   SOLE   0 0 78
VANGUARD INDEX FDS TOTAL STK MKT 922908769 4,466 21,610 SH   SOLE   0 0 21,610
VANGUARD INDEX FDS GROWTH ETF 922908736 279 1,086 SH   SOLE   0 0 1,086
SPDR S&P 500 ETF TR TR UNIT 78462F103 3,573 9,014 SH   SOLE   0 0 9,014
VANGUARD GROUP DIV APP ETF 921908844 442 3,007 SH   SOLE   0 0 3,007
ISHARES TR CORE S&P MCP ETF 464287507 956 3,673 SH   SOLE   0 0 3,673
ISHARES TR RUS 1000 ETF 464287622 1,876 8,381 SH   SOLE   0 0 8,381
COCA COLA CO COM 191216100 32 614 SH   SOLE   0 0 614
ORACLE CORP COM 68389X105 19 270 SH   SOLE   0 0 270
FLEXSHARES TR QUALT DIVD IDX 33939L860 1,151 21,585 SH   SOLE   0 0 21,585
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 853 8,768 SH   SOLE   0 0 8,768
BP PLC CALL 055622904 3 3 SH   SOLE   0 0 3
SELECT SECTOR SPDR TR CALL 81369Y905 2 5 SH   SOLE   0 0 5
DEVON ENERGY CORP NEW COM 25179M103 0 11 SH   SOLE   0 0 11
ISHARES TR RUSSELL 2000 ETF 464287655 55 247 SH   SOLE   0 0 247
UNITED STS 12 MONTH OIL FD L UNIT BEN INT 91288V103 6 300 SH   SOLE   0 0 300
UNITED STS OIL FD LP UNITS 91232N207 1 37 SH   SOLE   0 0 37
J P MORGAN EXCHANGE-TRADED F ULTRA SHT MUNCPL 46641Q654 3,996 78,299 SH   SOLE   0 0 78,299
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 61 1,000 SH   SOLE   0 0 1,000
SPDR SERIES TRUST PRTFLO S&P500 GW 78464A409 342 6,070 SH   SOLE   0 0 6,070
PAYPAL HLDGS INC COM 70450Y103 127 524 SH   SOLE   0 0 524
DUKE ENERGY CORP NEW COM NEW 26441C204 33 346 SH   SOLE   0 0 346
DAVITA INC COM 23918K108 352 3,266 SH   SOLE   0 0 3,266
PINNACLE FINL PARTNERS INC COM 72346Q104 51 573 SH   SOLE   0 0 573
ISHARES TR MSCI ACWI ETF 464288257 98 1,034 SH   SOLE   0 0 1,034
JP MORGAN EXCHANGE TRADED FD JPMORGAN DIVER 46641Q407 14 150 SH   SOLE   0 0 150
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 372 782 SH   SOLE   0 0 782
EVERGY INC COM 30034W106 25 412 SH   SOLE   0 0 412
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 320 5,938 SH   SOLE   0 0 5,938
CLOROX CO DEL COM 189054109 169 875 SH   SOLE   0 0 875
COMCAST CORP NEW CL A 20030N101 77 1,425 SH   SOLE   0 0 1,425
AT&T INC COM 00206R102 369 12,181 SH   SOLE   0 0 12,181
VODAFONE GROUP PLC NEW SPONSORED ADR 92857W308 8 452 SH   SOLE   0 0 452
VERIZON COMMUNICATIONS INC COM 92343V104 56 955 SH   SOLE   0 0 955
INVESCO QQQ TR UNIT SER 1 46090E103 269 842 SH   SOLE   0 0 842
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 32 125 SH   SOLE   0 0 125
VANGUARD WORLD FD MEGA CAP INDEX 921910873 40 282 SH   SOLE   0 0 282
SOUTHWEST AIRLS CO COM 844741108 7 108 SH   SOLE   0 0 108
ISHARES TR MSCI ACWI EX US 464288240 1 20 SH   SOLE   0 0 20
ISHARES TR MSCI EMG MKT ETF 464287234 27 507 SH   SOLE   0 0 507
SPDR SERIES TRUST S&P 400 MDCP VAL 78464A839 14 210 SH   SOLE   0 0 210
MACERICH CO COM 554382101 12 1,043 SH   SOLE   0 0 1,043
PROCTER & GAMBLE CO COM 742718109 6,275 46,337 SH   SOLE   0 0 46,337
SPDR SERIES TRUST S&P DIVID ETF 78464A763 137 1,163 SH   SOLE   0 0 1,163
INVESCO EXCHNG TRADED FD TR SR LN ETF 46138G508 7 324 SH   SOLE   0 0 324
WISDOMTREE TR INTL SMCAP DIV 97717W760 5 69 SH   SOLE   0 0 69
ISHARES TR MIN VOL EAFE ETF 46429B689 11 152 SH   SOLE   0 0 152
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771 12 228 SH   SOLE   0 0 228
SPDR INDEX SHS FDS ASIA PACIF ETF 78463X301 8 63 SH   SOLE   0 0 63
INVESCO EXCHANGE TRADED FD T S&P500 PUR GWT 46137V266 15 92 SH   SOLE   0 0 92
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 4 94 SH   SOLE   0 0 94
INVESCO EXCHNG TRADED FD TR S&P MIDCP LOW 46138E198 9 175 SH   SOLE   0 0 175
NOKIA CORP CALL 654902904 7 41 SH   SOLE   0 0 41
GENERAL ELECTRIC CO CALL 369604903 5 7 SH   SOLE   0 0 7
ISHARES TR MSCI EAFE ETF 464287465 19 246 SH   SOLE   0 0 246
FORD MTR CO DEL COM 345370860 9 718 SH   SOLE   0 0 718
MARATHON OIL CORP COM 565849106 1 101 SH   SOLE   0 0 101
CHEVRON CORP NEW COM 166764100 76 726 SH   SOLE   0 0 726
ISHARES TR CORE S&P500 ETF 464287200 244 613 SH   SOLE   0 0 613
ISHARES TR MSCI USA VALUE 46432F388 5 50 SH   SOLE   0 0 50
MICROSOFT CORP COM 594918104 107 452 SH   SOLE   0 0 452
ALIGN TECHNOLOGY INC COM 016255101 159 294 SH   SOLE   0 0 294
VANGUARD INDEX FDS VALUE ETF 922908744 18 137 SH   SOLE   0 0 137
ISHARES GOLD TRUST ISHARES 464285105 9 541 SH   SOLE   0 0 541
VALE S A CALL 91912E905 3 3 SH   SOLE   0 0 3
BANK AMER CORP COM 060505104 1 14 SH   SOLE   0 0 14
ISHARES TR RUS MDCP VAL ETF 464287473 8 75 SH   SOLE   0 0 75
STRYKER CORP COM 863667101 10 40 SH   SOLE   0 0 40
DISNEY WALT CO COM DISNEY 254687106 89 480 SH   SOLE   0 0 480
JOHNSON & JOHNSON COM 478160104 339 2,065 SH   SOLE   0 0 2,065
MCDONALDS CORP COM 580135101 22 100 SH   SOLE   0 0 100
SPDR DOW JONES INDL AVRG ETF UT SER 1 78467X109 301 910 SH   SOLE   0 0 910
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 64 452 SH   SOLE   0 0 452
MODERNA INC COM 60770K107 16 120 SH   SOLE   0 0 120
ISHARES TR S&P 500 GRWT ETF 464287309 32 489 SH   SOLE   0 0 489
ISHARES TR MULTIFACTOR USA 46434V282 27 654 SH   SOLE   0 0 654
EXXON MOBIL CORP COM 30231G102 62 1,102 SH   SOLE   0 0 1,102
ISHARES US ETF TR SHT MAT BD ETF 46431W507 172 3,430 SH   SOLE   0 0 3,430
ISHARES TR EDGE MSCI MINM 46435G433 124 3,371 SH   SOLE   0 0 3,371
BOEING CO COM 097023105 25 100 SH   SOLE   0 0 100
CITIGROUP INC COM NEW 172967424 8 113 SH   SOLE   0 0 113
KONTOOR BRANDS INC COM 50050N103 4 83 SH   SOLE   0 0 83
V F CORP COM 918204108 62 774 SH   SOLE   0 0 774
COSTCO WHSL CORP NEW COM 22160K105 39 110 SH   SOLE   0 0 110
AMAZON COM INC COM 023135106 733 237 SH   SOLE   0 0 237
ARK ETF TR INNOVATION ETF 00214Q104 43 355 SH   SOLE   0 0 355
ISHARES TR U.S. ENERGY ETF 464287796 18 696 SH   SOLE   0 0 696
WHITE MTNS INS GROUP LTD COM G9618E107 100 90 SH   SOLE   0 0 90
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 79 961 SH   SOLE   0 0 961
NEXTERA ENERGY INC COM 65339F101 109 1,448 SH   SOLE   0 0 1,448
ROSS STORES INC COM 778296103 9 72 SH   SOLE   0 0 72
PFIZER INC COM 717081103 3 70 SH   SOLE   0 0 70
VIATRIS INC COM 92556V106 0 8 SH   SOLE   0 0 8
VISA INC COM CL A 92826C839 75 355 SH   SOLE   0 0 355
SPDR GOLD TRUST GOLD SHS 78463V107 18 111 SH   SOLE   0 0 111
HOME DEPOT INC COM 437076102 47 155 SH   SOLE   0 0 155
INTEL CORP COM 458140100 121 1,895 SH   SOLE   0 0 1,895
PIONEER NAT RES CO COM 723787107 11 71 SH   SOLE   0 0 71
FACEBOOK INC CL A 30303M102 9 30 SH   SOLE   0 0 30
ALPHABET INC CAP STK CL C 02079K107 33 16 SH   SOLE   0 0 16
ISHARES TR S&P MC 400VL ETF 464287705 13 131 SH   SOLE   0 0 131
ISHARES TR S&P MC 400GR ETF 464287606 14 181 SH   SOLE   0 0 181
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 20 415 SH   SOLE   0 0 415
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 9 170 SH   SOLE   0 0 170
CHIPOTLE MEXICAN GRILL INC COM 169656105 1 1 SH   SOLE   0 0 1
ENPHASE ENERGY INC COM 29355A107 0 1 SH   SOLE   0 0 1
LOGITECH INTL S A SHS H50430232 0 1 SH   SOLE   0 0 1
AMC ENTMT HLDGS INC CL A COM 00165C104 1 75 SH   SOLE   0 0 75
1LIFE HEALTHCARE INC COM 68269G107 4 100 SH   SOLE   0 0 100
PENN NATL GAMING INC COM 707569109 10 100 SH   SOLE   0 0 100
VIRGIN GALACTIC HOLDINGS INC COM 92766K106 3 96 SH   SOLE   0 0 96
ARK ETF TR FINTECH INNOVA 00214Q708 49 950 SH   SOLE   0 0 950
CARNIVAL CORP UNIT 99/99/9999 143658300 3 100 SH   SOLE   0 0 100
VANGUARD INDEX FDS SML CP GRW ETF 922908595 156 569 SH   SOLE   0 0 569
VANGUARD INDEX FDS SM CP VAL ETF 922908611 26 155 SH   SOLE   0 0 155
AMERICAN ELEC PWR CO INC COM 025537101 17 200 SH   SOLE   0 0 200
CISCO SYS INC COM 17275R102 21 400 SH   SOLE   0 0 400
KIMBERLY CLARK CORP COM 494368103 17 120 SH   SOLE   0 0 120
ENTERPRISE PRODS PARTNERS L COM 293792107 15 700 SH   SOLE   0 0 700
QUALCOMM INC COM 747525103 13 100 SH   SOLE   0 0 100
SERVICENOW INC COM 81762P102 150 300 SH   SOLE   0 0 300
ISHARES TR CORE MSCI PAC 46434V696 6 85 SH   SOLE   0 0 85
WISDOMTREE TR JAPN HEDGE EQT 97717W851 6 103 SH   SOLE   0 0 103
AMERICAN TOWER CORP NEW COM 03027X100 35 145 SH   SOLE   0 0 145
CROWN CASTLE INTL CORP NEW COM 22822V101 33 190 SH   SOLE   0 0 190
BOSTON SCIENTIFIC CORP COM 101137107 8 200 SH   SOLE   0 0 200
HIMAX TECHNOLOGIES INC SPONSORED ADR 43289P106 0 30 SH   SOLE   0 0 30
PALANTIR TECHNOLOGIES INC CALL 69608A908 2 0 SH   SOLE   0 0 0
UNITED STS OIL FD LP CALL 91232N907 1 7 SH   SOLE   0 0 7
NEKTAR THERAPEUTICS COM 640268108 2 40 SH   SOLE   0 0 40
ISHARES INC MSCI JPN ETF NEW 46434G822 6 87 SH   SOLE   0 0 87
GOLDMAN SACHS ETF TR EQUITY ETF 381430503 35 437 SH   SOLE   0 0 437
NOKIA CORP SPONSORED ADR 654902204 1 200 SH   SOLE   0 0 200
INVESCO EXCHANGE TRADED FD T S&P MDCP400 PR 46137V217 11 52 SH   SOLE   0 0 52
INVESCO EXCHNG TRADED FD TR S&P 500 ENHNCD 46138E396 4 111 SH   SOLE   0 0 111
SALESFORCE COM INC COM 79466L302 27 129 SH   SOLE   0 0 129
ALPHABET INC CAP STK CL A 02079K305 25 12 SH   SOLE   0 0 12
MASTERCARD INC CL A 57636Q104 45 126 SH   SOLE   0 0 126
GENERAL ELECTRIC CO COM 369604103 4 277 SH   SOLE   0 0 277
NCR CORP NEW COM 62886E108 0 2 SH   SOLE   0 0 2
TERADATA CORP DEL COM 88076W103 0 2 SH   SOLE   0 0 2
WABTEC COM 929740108 0 1 SH   SOLE   0 0 1
WELLS FARGO CO NEW COM 949746101 270 6,904 SH   SOLE   0 0 6,904
BIONTECH SE SPONSORED ADS 09075V102 33 300 SH   SOLE   0 0 300
SNOWFLAKE INC CL A 833445109 23 100 SH   SOLE   0 0 100
TRANSLATE BIO INC COM 89374L104 15 900 SH   SOLE   0 0 900
ACCELERON PHARMA INC COM 00434H108 14 100 SH   SOLE   0 0 100