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
CHUBB LIMITED COM H1467J104 204 1,613 SH   SOLE   1,613 0 0
PROSHARES TR SHORT S&P 500 NE 74347B425 559 25,009 SH   SOLE   25,009 0 0
VISA INC COM CL A 92826C839 652 3,377 SH   SOLE   3,377 0 0
INVESCO EXCH TRADED FD TR II EMRNG MKT SVRG 46138E784 5,778 215,772 SH   SOLE   215,772 0 0
INVESCO EXCH TRADED FD TR II PFD ETF 46138E511 3,017 213,678 SH   SOLE   213,678 0 0
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 9,990 173,051 SH   SOLE   173,051 0 0
ISHARES TR CORE MSCI EAFE 46432F842 9,874 172,750 SH   SOLE   172,750 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 3,913 131,528 SH   SOLE   131,528 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 9,105 122,878 SH   SOLE   122,878 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 2,990 122,807 SH   SOLE   122,807 0 0
ISHARES INC CORE MSCI EMKT 46434G103 5,253 110,357 SH   SOLE   110,357 0 0
CAMBRIA ETF TR TAIL RISK 132061862 2,432 109,293 SH   SOLE   109,293 0 0
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 8,589 84,460 SH   SOLE   84,460 0 0
ISHARES TR EAFE SML CP ETF 464288273 4,517 84,234 SH   SOLE   84,234 0 0
ISHARES TR CALIF MUN BD ETF 464288356 4,457 71,698 SH   SOLE   71,698 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 4,937 62,867 SH   SOLE   62,867 0 0
FIRST TR EXCHANGE-TRADED FD SENIOR LN FD 33738D309 2,584 57,274 SH   SOLE   57,274 0 0
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 4,212 53,466 SH   SOLE   53,466 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 2,839 52,443 SH   SOLE   52,443 0 0
VANECK VECTORS ETF TR HIGH YLD MUN ETF 92189H409 3,098 52,264 SH   SOLE   52,264 0 0
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676 2,437 52,220 SH   SOLE   52,220 0 0
WISDOMTREE TR YIELD ENHANCED 97717Y808 2,612 50,694 SH   SOLE   50,694 0 0
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 1,482 50,133 SH   SOLE   50,133 0 0
WISDOMTREE TR YIELD ENHANCD US 97717X511 2,346 43,595 SH   SOLE   43,595 0 0
ISHARES TR CORE US AGGBD ET 464287226 5,136 43,445 SH   SOLE   43,445 0 0
VANECK VECTORS ETF TR AMT FREE INT ETF 92189H201 1,730 33,954 SH   SOLE   33,954 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 10,235 33,193 SH   SOLE   33,193 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 4,682 32,698 SH   SOLE   32,698 0 0
J P MORGAN EXCHANGE-TRADED F ULTRA SHT MUNCPL 46641Q654 1,463 28,700 SH   SOLE   28,700 0 0
INVESCO EXCHANGE-TRADED FD T S&P SMALLCAP 600 46138G664 1,560 28,481 SH   SOLE   28,481 0 0
SPDR SER TR BLOOMBERG BRCLYS 78468R622 2,693 26,624 SH   SOLE   26,624 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 6,366 25,710 SH   SOLE   25,710 0 0
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 1,277 24,742 SH   SOLE   24,742 0 0
ISHARES TR GRWT ALLOCAT ETF 464289867 910 19,615 SH   SOLE   19,615 0 0
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 843 16,823 SH   SOLE   16,823 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 810 15,658 SH   SOLE   15,658 0 0
DBX ETF TR XTRACKERS LOW 233051267 614 12,582 SH   SOLE   12,582 0 0
CHEVRON CORP NEW COM 166764100 1,106 12,391 SH   SOLE   12,391 0 0
ISHARES TR PFD AND INCM SEC 464288687 414 11,954 SH   SOLE   11,954 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 2,104 10,960 SH   SOLE   10,960 0 0
ISHARES TR CORE S&P TTL STK 464287150 629 9,057 SH   SOLE   9,057 0 0
ISHARES TR JPMORGAN USD EMG 464288281 929 8,508 SH   SOLE   8,508 0 0
SPDR SER TR BLMBRG BRC CNVRT 78464A359 514 8,494 SH   SOLE   8,494 0 0
SPDR INDEX SHS FDS DJ GLB RL ES ETF 78463X749 301 7,721 SH   SOLE   7,721 0 0
SPDR SER TR NUVEEN BBG BRCLY 78464A284 327 5,798 SH   SOLE   5,798 0 0
MICROSOFT CORP COM 594918104 1,120 5,506 SH   SOLE   5,506 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 334 5,117 SH   SOLE   5,117 0 0
ISHARES TR SHRT NAT MUN ETF 464288158 413 3,830 SH   SOLE   3,830 0 0
AMERICAN WTR WKS CO INC NEW COM 030420103 475 3,694 SH   SOLE   3,694 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 242 2,928 SH   SOLE   2,928 0 0
APPLE INC COM 037833100 973 2,667 SH   SOLE   2,667 0 0
WEC ENERGY GROUP INC COM 92939U106 219 2,502 SH   SOLE   2,502 0 0
NIKE INC CL B 654106103 208 2,117 SH   SOLE   2,117 0 0
COSTCO WHSL CORP NEW COM 22160K105 630 2,078 SH   SOLE   2,078 0 0
HONEYWELL INTL INC COM 438516106 260 1,798 SH   SOLE   1,798 0 0