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
ISHARES TR MSCI USA MIN VOL 46429B697 42,654 540,339 SH   SOLE   0 0 540,339
ISHARES TR MSCI USA QLT FCT 46432F339 40,897 306,116 SH   SOLE   0 0 306,116
ISHARES TR CORE TOTAL USD 46434V613 37,260 764,613 SH   SOLE   0 0 764,613
ISHARES TR CORE S&P500 ETF 464287200 27,414 60,825 SH   SOLE   0 0 60,825
ISHARES TR EAFE GRWTH ETF 464288885 26,840 281,550 SH   SOLE   0 0 281,550
ISHARES TR MSCI USA MMENTM 46432F396 26,150 158,386 SH   SOLE   0 0 158,386
ISHARES TR EAFE VALUE ETF 464288877 24,057 483,559 SH   SOLE   0 0 483,559
SPDR SER TR PORTFOLIO LN TSR 78464A664 22,587 624,113 SH   SOLE   0 0 624,113
ISHARES TR FALN ANGLS USD 46435G474 19,779 727,449 SH   SOLE   0 0 727,449
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 18,891 45,794 SH   SOLE   0 0 45,794
VANGUARD INDEX FDS VALUE ETF 922908744 18,193 122,496 SH   SOLE   0 0 122,496
VANGUARD INDEX FDS SMALL CP ETF 922908751 13,881 66,959 SH   SOLE   0 0 66,959
APPLE INC COM 037833100 12,449 72,319 SH   SOLE   0 0 72,319
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 11,818 223,775 SH   SOLE   0 0 223,775
ISHARES TR CORE MSCI EAFE 46432F842 11,792 171,414 SH   SOLE   0 0 171,414
INVESCO ACTIVELY MANAGED ETF TOTAL RETURN 46090A804 10,530 203,996 SH   SOLE   0 0 203,996
J P MORGAN EXCHANGE-TRADED F US AGGREGATE 46641Q613 9,817 197,535 SH   SOLE   0 0 197,535
ISHARES TR U.S. MED DVC ETF 464288810 9,653 155,192 SH   SOLE   0 0 155,192
ISHARES TR MSCI INTL VLU FT 46435G409 9,522 378,301 SH   SOLE   0 0 378,301
ISHARES TR US TREAS BD ETF 46429B267 9,396 383,036 SH   SOLE   0 0 383,036
FIDELITY COVINGTON TRUST TOTAL BD ETF 316188309 9,036 184,145 SH   SOLE   0 0 184,145
ISHARES TR RUSSELL 3000 ETF 464287689 8,971 34,558 SH   SOLE   0 0 34,558
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 7,602 97,422 SH   SOLE   0 0 97,422
ISHARES TR GLOBAL TECH ETF 464287291 7,173 127,810 SH   SOLE   0 0 127,810
ISHARES INC MSCI EMERG MKT 46434G889 7,105 146,497 SH   SOLE   0 0 146,497
ISHARES TR CONV BD ETF 46435G102 6,307 77,077 SH   SOLE   0 0 77,077
J P MORGAN EXCHANGE-TRADED F US QUALTY FCTR 46641Q761 6,008 140,284 SH   SOLE   0 0 140,284
ISHARES TR MSCI INTL MOMENT 46434V449 5,456 156,363 SH   SOLE   0 0 156,363
ISHARES TR CORE MSCI TOTAL 46432F834 4,815 72,955 SH   SOLE   0 0 72,955
PIMCO ETF TR ACTIVE BD ETF 72201R775 4,656 46,472 SH   SOLE   0 0 46,472
VIZIO HLDG CORP CL A COM 92858V101 4,445 575,000 SH   SOLE   0 0 575,000
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 4,260 54,898 SH   SOLE   0 0 54,898
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354 4,239 61,656 SH   SOLE   0 0 61,656
INVESCO EXCH TRADED FD TR II S&P 500 MOMNTM 46138E339 4,222 69,013 SH   SOLE   0 0 69,013
VANGUARD SCOTTSDALE FDS LONG TERM TREAS 92206C847 4,000 52,105 SH   SOLE   0 0 52,105
SPDR SER TR PORTFLI HIGH YLD 78468R606 3,897 157,895 SH   SOLE   0 0 157,895
ISHARES U S ETF TR GSCI CMDTY STGY 46431W853 3,154 79,255 SH   SOLE   0 0 79,255
ISHARES TR USD INV GRDE ETF 464288620 2,951 54,604 SH   SOLE   0 0 54,604
ISHARES INC ESG AWR MSCI EM 46434G863 2,834 77,700 SH   SOLE   0 0 77,700
ISHARES TR CORE US AGGBD ET 464287226 2,790 26,510 SH   SOLE   0 0 26,510
VANGUARD SCOTTSDALE FDS MORTG-BACK SEC 92206C771 2,657 54,019 SH   SOLE   0 0 54,019
J P MORGAN EXCHANGE-TRADED F ULTRA SHRT INC 46641Q837 2,507 49,880 SH   SOLE   0 0 49,880
ISHARES TR CORE S&P SCP ETF 464287804 2,504 23,886 SH   SOLE   0 0 23,886
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 2,219 6,404 SH   SOLE   0 0 6,404
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 2,016 42,435 SH   SOLE   0 0 42,435
GENERAL MLS INC COM 370334104 2,005 28,742 SH   SOLE   0 0 28,742
ISHARES TR IBOXX HI YD ETF 464288513 1,844 22,843 SH   SOLE   0 0 22,843
FIDELITY COVINGTON TRUST MSCI INFO TECH I 316092808 1,801 15,102 SH   SOLE   0 0 15,102
ISHARES TR ISHS 1-5YR INVS 464288646 1,770 34,440 SH   SOLE   0 0 34,440
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 1,641 45,182 SH   SOLE   0 0 45,182
ISHARES TR 3 7 YR TREAS BD 464288661 1,413 11,705 SH   SOLE   0 0 11,705
ISHARES TR S&P 500 VAL ETF 464287408 1,290 8,265 SH   SOLE   0 0 8,265
ISHARES U S ETF TR BLOOMBERG ROLL 46431W598 1,220 19,575 SH   SOLE   0 0 19,575
MICROSOFT CORP COM 594918104 874 2,899 SH   SOLE   0 0 2,899
FISERV INC COM 337738108 873 8,665 SH   SOLE   0 0 8,665
COCA COLA CO COM 191216100 688 10,839 SH   SOLE   0 0 10,839
ISHARES S&P GSCI COMMODITY- UNIT BEN INT 46428R107 680 30,391 SH   SOLE   0 0 30,391
VANGUARD STAR FDS VG TL INTL STK F 921909768 680 11,478 SH   SOLE   0 0 11,478
SPDR S&P 500 ETF TR TR UNIT 78462F103 657 1,465 SH   SOLE   0 0 1,465
ALPHABET INC CAP STK CL C 02079K107 647 237 SH   SOLE   0 0 237
ISHARES TR CORE S&P TTL STK 464287150 597 5,979 SH   SOLE   0 0 5,979
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 588 1,721 SH   SOLE   0 0 1,721
AMAZON COM INC COM 023135106 584 185 SH   SOLE   0 0 185
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 564 5,147 SH   SOLE   0 0 5,147
INVESCO QQQ TR UNIT SER 1 46090E103 479 1,353 SH   SOLE   0 0 1,353
JOHNSON & JOHNSON COM 478160104 422 2,324 SH   SOLE   0 0 2,324
HOME DEPOT INC COM 437076102 387 1,277 SH   SOLE   0 0 1,277
ISHARES TR U.S. FIN SVC ETF 464287770 387 2,215 SH   SOLE   0 0 2,215
ISHARES TR 10-20 YR TRS ETF 464288653 373 2,883 SH   SOLE   0 0 2,883
ISHARES INC CORE MSCI EMKT 46434G103 359 6,492 SH   SOLE   0 0 6,492
ISHARES TR MSCI USA SMCP MN 46435G433 359 9,621 SH   SOLE   0 0 9,621
INTUIT COM 461202103 356 720 SH   SOLE   0 0 720
ISHARES TR CORE S&P MCP ETF 464287507 339 1,299 SH   SOLE   0 0 1,299
SPDR SER TR S&P 600 SMCP VAL 78464A300 328 4,047 SH   SOLE   0 0 4,047
VANGUARD INDEX FDS MID CAP ETF 922908629 327 1,390 SH   SOLE   0 0 1,390
TESLA INC COM 88160R101 310 293 SH   SOLE   0 0 293
J & J SNACK FOODS CORP COM 466032109 295 1,924 SH   SOLE   0 0 1,924
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810 292 3,685 SH   SOLE   0 0 3,685
SELECT SECTOR SPDR TR ENERGY 81369Y506 287 3,713 SH   SOLE   0 0 3,713
3M CO COM 88579Y101 278 1,855 SH   SOLE   0 0 1,855
SEMPRA ENERGY COM 816851109 265 1,579 SH   SOLE   0 0 1,579
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504 264 1,002 SH   SOLE   0 0 1,002
ISHARES TR MBS ETF 464288588 241 2,406 SH   SOLE   0 0 2,406
INTEL CORP COM 458140100 239 5,032 SH   SOLE   0 0 5,032
JPMORGAN CHASE & CO COM 46625H100 227 1,733 SH   SOLE   0 0 1,733
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730 206 7,102 SH   SOLE   0 0 7,102
QUALCOMM INC COM 747525103 204 1,466 SH   SOLE   0 0 1,466
HP INC COM 40434L105 201 5,020 SH   SOLE   0 0 5,020
BLACKROCK INNOVATION AND GRW SHS BEN INT 09260Q108 121 11,164 SH   SOLE   0 0 11,164
VIZIO HLDG CORP CL A COM 92858V101 96 38,000 SH Put SOLE   0 0 38,000