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
ISHARES TR NATIONAL MUN ETF 464288414 281 2,418 SH   SOLE   2,418 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 579 1,461 SH   SOLE   1,461 0 0
PIMCO ETF TR ACTIVE BD ETF 72201R775 3,327 30,397 SH   SOLE   30,397 0 0
ISHARES TR MSCI USA SMCP MN 46435G433 568 15,418 SH   SOLE   15,418 0 0
J P MORGAN EXCHANGE-TRADED F US AGGREGATE 46641Q613 12,161 452,922 SH   SOLE   452,922 0 0
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 1,106 22,516 SH   SOLE   22,516 0 0
AMAZON COM INC COM 023135106 294 95 SH   SOLE   95 0 0
ISHARES TR MSCI USA MIN VOL 46429B697 32,872 475,092 SH   SOLE   475,092 0 0
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730 495 16,098 SH   SOLE   16,098 0 0
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 614 2,221 SH   SOLE   2,221 0 0
APPLE INC COM 037833100 8,643 70,756 SH   SOLE   70,756 0 0
ISHARES TR MSCI USA QLT FCT 46432F339 28,865 237,026 SH   SOLE   237,026 0 0
ISHARES TR U.S. MED DVC ETF 464288810 15,230 46,100 SH   SOLE   46,100 0 0
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 2,661 32,373 SH   SOLE   32,373 0 0
MODERNA INC COM 60770K107 372 2,842 SH   SOLE   2,842 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 452 8,385 SH   SOLE   8,385 0 0
ISHARES INC ESG AWR MSCI EM 46434G863 6,889 159,067 SH   SOLE   159,067 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 12,054 124,639 SH   SOLE   124,639 0 0
ISHARES TR US TREAS BD ETF 46429B267 24,624 940,202 SH   SOLE   940,202 0 0
INVESCO EXCH TRADED FD TR II S&P 500 MOMNTM 46138E339 985 18,579 SH   SOLE   18,579 0 0
SPDR SER TR S&P 600 SMCP VAL 78464A300 321 3,920 SH   SOLE   3,920 0 0
ISHARES TR RUSSELL 3000 ETF 464287689 5,557 23,425 SH   SOLE   23,425 0 0
AFFIRM HLDGS INC COM CL A 00827B106 212 3,000 SH   SOLE   3,000 0 0
J P MORGAN EXCHANGE-TRADED F US QUALTY FCTR 46641Q761 2,921 77,432 SH   SOLE   77,432 0 0
ISHARES TR FLTG RATE NT ETF 46429B655 2,571 50,622 SH   SOLE   50,622 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 26,030 198,006 SH   SOLE   198,006 0 0
SPDR SER TR PORTFOLIO LN TSR 78464A664 663 17,013 SH   SOLE   17,013 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,959 7,668 SH   SOLE   7,668 0 0
ISHARES INC CORE MSCI EMKT 46434G103 227 3,521 SH   SOLE   3,521 0 0
ISHARES TR 3 7 YR TREAS BD 464288661 11,166 85,963 SH   SOLE   85,963 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 1,076 11,711 SH   SOLE   11,711 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 3,307 14,940 SH   SOLE   14,940 0 0
ISHARES TR IBOXX INV CP ETF 464287242 31,236 240,183 SH   SOLE   240,183 0 0
ISHARES TR U.S. FIN SVC ETF 464287770 493 2,877 SH   SOLE   2,877 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 4,313 114,658 SH   SOLE   114,658 0 0
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504 223 976 SH   SOLE   976 0 0
ISHARES TR CORE S&P TTL STK 464287150 688 7,509 SH   SOLE   7,509 0 0
VANGUARD SCOTTSDALE FDS MORTG-BACK SEC 92206C771 2,776 52,006 SH   SOLE   52,006 0 0
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354 2,900 49,864 SH   SOLE   49,864 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 10,107 47,212 SH   SOLE   47,212 0 0
HOME DEPOT INC COM 437076102 400 1,312 SH   SOLE   1,312 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 405 1,960 SH   SOLE   1,960 0 0
ISHARES TR IBOXX HI YD ETF 464288513 11,691 134,101 SH   SOLE   134,101 0 0
ISHARES TR CORE US AGGBD ET 464287226 964 8,467 SH   SOLE   8,467 0 0
VANGUARD WORLD FDS MATERIALS ETF 92204A801 452 2,611 SH   SOLE   2,611 0 0
VANGUARD SCOTTSDALE FDS TOTAL CORP BND 92206C573 740 8,278 SH   SOLE   8,278 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 11,316 31,061 SH   SOLE   31,061 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 534 1,675 SH   SOLE   1,675 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 20,195 244,793 SH   SOLE   244,793 0 0
MICROSOFT CORP COM 594918104 480 2,038 SH   SOLE   2,038 0 0
ISHARES TR CORE S&P MCP ETF 464287507 461 1,772 SH   SOLE   1,772 0 0
ISHARES TR CORE MSCI EAFE 46432F842 10,677 148,192 SH   SOLE   148,192 0 0
ISHARES TR S&P 500 VAL ETF 464287408 2,933 20,767 SH   SOLE   20,767 0 0
ISHARES TR FALN ANGLS USD 46435G474 286 9,774 SH   SOLE   9,774 0 0
FIRST TR EXCHANGE-TRADED FD FST LOW OPPT EFT 33739Q200 2,661 52,109 SH   SOLE   52,109 0 0
ISHARES TR MSCI INTL MOMENT 46434V449 2,531 67,306 SH   SOLE   67,306 0 0
ALPHABET INC CAP STK CL C 02079K107 428 207 SH   SOLE   207 0 0
J P MORGAN EXCHANGE-TRADED F ULTRA SHRT INC 46641Q837 10,827 213,320 SH   SOLE   213,320 0 0
ISHARES TR 20 YR TR BD ETF 464287432 8,981 66,305 SH   SOLE   66,305 0 0
SPDR INDEX SHS FDS DJ GLB RL ES ETF 78463X749 811 17,181 SH   SOLE   17,181 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 430 8,252 SH   SOLE   8,252 0 0
ISHARES TR ISHS 1-5YR INVS 464288646 2,960 54,140 SH   SOLE   54,140 0 0
J & J SNACK FOODS CORP COM 466032109 302 1,924 SH   SOLE   1,924 0 0
ISHARES TR CORE S&P500 ETF 464287200 31,605 79,444 SH   SOLE   79,444 0 0
ISHARES TR GLOBAL TECH ETF 464287291 3,706 12,043 SH   SOLE   12,043 0 0
AXOS FINANCIAL INC COM 05465C100 208 4,421 SH   SOLE   4,421 0 0
ISHARES TR EAFE GRWTH ETF 464288885 33,052 329,005 SH   SOLE   329,005 0 0
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 322 5,638 SH   SOLE   5,638 0 0
ISHARES TR MSCI USA MMENTM 46432F396 20,769 129,111 SH   SOLE   129,111 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 233 2,505 SH   SOLE   2,505 0 0
ISHARES U S ETF TR BLACKROCK ST MAT 46431W507 697 13,890 SH   SOLE   13,890 0 0
ISHARES TR 0-5YR HI YL CP 46434V407 1,778 38,815 SH   SOLE   38,815 0 0