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
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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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
APPLE INC COM 037833100   2,117,114 16,294 SH   SOLE   0 0 16,294
AMAZON COM INC COM 023135106   954,324 11,361 SH   SOLE   0 0 11,361
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   229,513 743 SH   SOLE   0 0 743
ISHARES U S ETF TR GSCI CMDTY STGY 46431W853   8,812,912 312,625 SH   SOLE   0 0 312,625
CONOCOPHILLIPS COM 20825C104   364,675 3,090 SH   SOLE   0 0 3,090
ISHARES TR SELECT DIVID ETF 464287168   4,885,059 40,506 SH   SOLE   0 0 40,506
INVESCO EXCH TRADED FD TR II S&P EMRNG MKTS 46138E297   15,459,940 671,879 SH   SOLE   0 0 671,879
ISHARES INC MSCI EMERG MRKT 464286533   5,081,339 95,784 SH   SOLE   0 0 95,784
ISHARES TR EAFE GRWTH ETF 464288885   3,231,418 38,579 SH   SOLE   0 0 38,579
ISHARES TR EAFE VALUE ETF 464288877   17,316,769 377,436 SH   SOLE   0 0 377,436
ISHARES TR ESG AWR MSCI USA 46435G425   14,097,446 166,342 SH   SOLE   0 0 166,342
ISHARES TR FLTG RATE NT ETF 46429B655   4,407,650 87,575 SH   SOLE   0 0 87,575
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771   2,939,571 55,007 SH   SOLE   0 0 55,007
FIRST TR EXCHANGE-TRADED FD CAP STRENGTH ETF 33733E104   14,288,468 190,640 SH   SOLE   0 0 190,640
FIRST TR EXCHANGE-TRADED FD FIRST TR ENH NEW 33739Q408   2,502,636 42,104 SH   SOLE   0 0 42,104
FORTIVE CORP COM 34959J108   261,446 4,069 SH   SOLE   0 0 4,069
SPDR GOLD TR GOLD SHS 78463V107   3,954,478 23,311 SH   SOLE   0 0 23,311
HOME DEPOT INC COM 437076102   254,868 807 SH   SOLE   0 0 807
ISHARES TR CONV BD ETF 46435G102   2,124,918 30,588 SH   SOLE   0 0 30,588
ISHARES TR CORE MSCI EAFE 46432F842   311,628 5,056 SH   SOLE   0 0 5,056
ISHARES TR US INFRASTRUC 46435U713   2,963,682 81,734 SH   SOLE   0 0 81,734
ISHARES TR CORE S&P SCP ETF 464287804   4,103,975 43,364 SH   SOLE   0 0 43,364
ISHARES TR MSCI INTL QUALTY 46434V456   10,068,658 310,857 SH   SOLE   0 0 310,857
ISHARES TR CORE TOTAL USD 46434V613   526,022 11,708 SH   SOLE   0 0 11,708
ISHARES TR U.S. TECH ETF 464287721   5,550,418 74,512 SH   SOLE   0 0 74,512
J P MORGAN EXCHANGE TRADED F US QUALTY FCTR 46641Q761   6,950,609 179,371 SH   SOLE   0 0 179,371
LOCKHEED MARTIN CORP COM 539830109   3,211,840 6,602 SH   SOLE   0 0 6,602
ISHARES TR MBS ETF 464288588   6,412,712 69,140 SH   SOLE   0 0 69,140
SPDR SER TR S&P 400 MDCP VAL 78464A839   210,633 3,255 SH   SOLE   0 0 3,255
PIMCO ETF TR ENHAN SHRT MA AC 72201R833   1,710,622 17,340 SH   SOLE   0 0 17,340
MARATHON PETE CORP COM 56585A102   215,264 1,850 SH   SOLE   0 0 1,850
ISHARES TR MSCI USA MMENTM 46432F396   4,274,749 29,293 SH   SOLE   0 0 29,293
NVIDIA CORPORATION COM 67066G104   218,067 1,492 SH   SOLE   0 0 1,492
SPDR SER TR RUSSELL LOW VOL 78468R754   14,367,401 139,547 SH   SOLE   0 0 139,547
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   6,157,946 152,011 SH   SOLE   0 0 152,011
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   4,945,516 75,377 SH   SOLE   0 0 75,377
SCHWAB STRATEGIC TR US TIPS ETF 808524870   25,651,297 495,294 SH   SOLE   0 0 495,294
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   19,651,327 297,657 SH   SOLE   0 0 297,657
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   63,858,460 1,414,362 SH   SOLE   0 0 1,414,362
ISHARES TR 0-5YR HI YL CP 46434V407   11,066,898 270,650 SH   SOLE   0 0 270,650
SPDR SER TR PORTFOLIO S&P400 78464A847   2,519,701 59,287 SH   SOLE   0 0 59,287
SPDR SER TR PORTFOLIO S&P600 78468R853   4,720,318 127,680 SH   SOLE   0 0 127,680
ISHARES TR 10-20 YR TRS ETF 464288653   7,606,284 70,311 SH   SOLE   0 0 70,311
ISHARES TR 20 YR TR BD ETF 464287432   11,052,198 111,010 SH   SOLE   0 0 111,010
THERMO FISHER SCIENTIFIC INC COM 883556102   883,857 1,605 SH   SOLE   0 0 1,605
TOMI ENVIRONMENTAL SOLUTIONS COM NEW 890023203   46,125 93,750 SH   SOLE   0 0 93,750
ISHARES TR MSCI USA MIN VOL 46429B697   1,926,191 26,716 SH   SOLE   0 0 26,716
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   9,869,079 235,146 SH   SOLE   0 0 235,146
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   5,443,522 15,494 SH   SOLE   0 0 15,494
VANGUARD INDEX FDS TOTAL STK MKT 922908769   24,529,776 128,301 SH   SOLE   0 0 128,301
SELECT SECTOR SPDR TR ENERGY 81369Y506   6,649,491 76,020 SH   SOLE   0 0 76,020
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   2,343,894 68,535 SH   SOLE   0 0 68,535