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
AMERICAN WTR WKS CO INC NEW COM 030420103 550 3,583 SH   SOLE   3,583 0 0
APPLE INC COM 037833100 1,626 12,253 SH   SOLE   12,253 0 0
CAMBRIA ETF TR TAIL RISK 132061862 1,292 62,771 SH   SOLE   62,771 0 0
CHEVRON CORP NEW COM 166764100 1,043 12,356 SH   SOLE   12,356 0 0
DBX ETF TR XTRACKERS LOW 233051267 682 13,404 SH   SOLE   13,404 0 0
DISNEY WALT CO COM 254687106 207 1,143 SH   SOLE   1,143 0 0
GOLDMAN SACHS ETF TR ACCES TREASURY 381430529 1,695 16,925 SH   SOLE   16,925 0 0
HONEYWELL INTL INC COM 438516106 361 1,699 SH   SOLE   1,699 0 0
ISHARES TR CORE S&P TTL STK 464287150 778 9,024 SH   SOLE   9,024 0 0
ISHARES TR CORE US AGGBD ET 464287226 4,718 39,915 SH   SOLE   39,915 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 261 5,043 SH   SOLE   5,043 0 0
ISHARES TR MSCI EAFE ETF 464287465 230 3,148 SH   SOLE   3,148 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 2,599 10,776 SH   SOLE   10,776 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 6,372 32,502 SH   SOLE   32,502 0 0
ISHARES TR SHRT NAT MUN ETF 464288158 414 3,830 SH   SOLE   3,830 0 0
ISHARES TR EAFE SML CP ETF 464288273 6,384 93,395 SH   SOLE   93,395 0 0
ISHARES TR JPMORGAN USD EMG 464288281 981 8,462 SH   SOLE   8,462 0 0
ISHARES TR CALIF MUN BD ETF 464288356 4,608 73,343 SH   SOLE   73,343 0 0
ISHARES TR PFD AND INCM SEC 464288687 462 11,993 SH   SOLE   11,993 0 0
ISHARES TR GRWT ALLOCAT ETF 464289867 1,083 20,750 SH   SOLE   20,750 0 0
KRANESHARES TR QUADRTC INT RT 500767736 589 21,075 SH   SOLE   21,075 0 0
MICROSOFT CORP COM 594918104 1,243 5,587 SH   SOLE   5,587 0 0
NIKE INC CL B 654106103 289 2,045 SH   SOLE   2,045 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 11,518 126,638 SH   SOLE   126,638 0 0
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 925 15,536 SH   SOLE   15,536 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 455 5,117 SH   SOLE   5,117 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 4,108 134,028 SH   SOLE   134,028 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 1,604 25,009 SH   SOLE   25,009 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 5,077 140,988 SH   SOLE   140,988 0 0
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 1,271 24,742 SH   SOLE   24,742 0 0
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 1,778 47,212 SH   SOLE   47,212 0 0
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 4,583 50,077 SH   SOLE   50,077 0 0
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676 2,704 49,796 SH   SOLE   49,796 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 2,939 53,252 SH   SOLE   53,252 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 5,338 62,857 SH   SOLE   62,857 0 0
WALMART INC COM 931142103 220 1,528 SH   SOLE   1,528 0 0
COSTCO WHSL CORP NEW COM 22160K105 764 2,027 SH   SOLE   2,027 0 0
FIRST TR EXCHANGE-TRADED FD SENIOR LN FD 33738D309 2,780 58,416 SH   SOLE   58,416 0 0
FLEXSHARES TR DISCP DUR MBS 33939L779 298 12,400 SH   SOLE   12,400 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 7,952 25,346 SH   SOLE   25,346 0 0
INVESCO EXCH TRADED FD TR II PFD ETF 46138E511 3,356 219,902 SH   SOLE   219,902 0 0
INVESCO EXCH TRADED FD TR II EMRNG MKT SVRG 46138E784 6,321 219,184 SH   SOLE   219,184 0 0
INVESCO EXCH TRADED FD TR II S&P SMALLCAP 600 46138G664 1,957 24,130 SH   SOLE   24,130 0 0
ISHARES TR CORE MSCI EAFE 46432F842 12,391 179,348 SH   SOLE   179,348 0 0
ISHARES INC CORE MSCI EMKT 46434G103 6,717 108,268 SH   SOLE   108,268 0 0
J P MORGAN EXCHANGE-TRADED F ULTRA SHT MUNCPL 46641Q654 1,596 31,275 SH   SOLE   31,275 0 0
PIMCO ETF TR 1-5 US TIP IDX 72201R205 2,026 37,390 SH   SOLE   37,390 0 0
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 7,953 77,941 SH   SOLE   77,941 0 0
PROSHARES TR SHORT S&P 500 NE 74347B425 224 12,477 SH   SOLE   12,477 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 12,801 34,238 SH   SOLE   34,238 0 0
SPDR INDEX SHS FDS DJ GLB RL ES ETF 78463X749 523 11,760 SH   SOLE   11,760 0 0
SPDR SER TR NUVEEN BBG BRCLY 78464A284 1,808 30,648 SH   SOLE   30,648 0 0
SPDR SER TR BLMBRG BRC CNVRT 78464A359 703 8,494 SH   SOLE   8,494 0 0
SPDR SER TR BLOOMBERG BRCLYS 78468R622 2,891 26,538 SH   SOLE   26,538 0 0
VANECK VECTORS ETF TR INTRMDT MUNI ETF 92189H201 1,655 31,800 SH   SOLE   31,800 0 0
VANECK VECTORS ETF TR HIGH YLD MUN ETF 92189H409 2,054 33,370 SH   SOLE   33,370 0 0
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 9,888 168,887 SH   SOLE   168,887 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 244 2,928 SH   SOLE   2,928 0 0
VISA INC COM CL A 92826C839 739 3,377 SH   SOLE   3,377 0 0
WEC ENERGY GROUP INC COM 92939U106 230 2,502 SH   SOLE   2,502 0 0
WISDOMTREE TR YIELD ENHANCD US 97717X511 2,857 53,210 SH   SOLE   53,210 0 0
WISDOMTREE TR FLOATNG RAT TREA 97717X628 301 12,000 SH   SOLE   12,000 0 0
WISDOMTREE TR 90/60 BALNCED FD 97717Y790 666 18,199 SH   SOLE   18,199 0 0
WISDOMTREE TR YIELD ENHANCED 97717Y808 3,051 59,294 SH   SOLE   59,294 0 0
CHUBB LIMITED COM H1467J104 248 1,613 SH   SOLE   1,613 0 0