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
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 217 1,482 SH   SOLE 0 0 0 1,482
PFIZER INC COM 717081103 228 5,898 SH   SOLE 0 0 0 5,898
J P MORGAN EXCHANGE-TRADED F ULTRA SHT MUNCPL 46641Q654 302 5,923 SH   SOLE 0 0 0 5,923
MASTERCARD INCORPORATED CL A 57636Q104 301 785 SH   SOLE 0 0 0 785
SPDR S&P 500 ETF TR TR UNIT 78462F103 572 1,387 SH   SOLE 0 0 0 1,387
BECTON DICKINSON & CO COM 075887109 257 1,000 SH   SOLE 0 0 0 1,000
SSGA ACTIVE ETF TR MULT ASS RLRTN 78467V103 3,446 125,621 SH   SOLE 0 0 0 125,621
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 310 6,132 SH   SOLE 0 0 0 6,132
COSTCO WHSL CORP NEW COM 22160K105 258 695 SH   SOLE 0 0 0 695
AT&T INC COM 00206R102 817 26,040 SH   SOLE 0 0 0 26,040
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763 360 7,008 SH   SOLE 0 0 0 7,008
APPLE INC COM 037833100 1,281 9,706 SH   SOLE 0 0 0 9,706
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 3,252 32,234 SH   SOLE 0 0 0 32,234
VANGUARD INDEX FDS GROWTH ETF 922908736 1,408 5,177 SH   SOLE 0 0 0 5,177
EDWARDS LIFESCIENCES CORP COM 28176E108 577 6,000 SH   SOLE 0 0 0 6,000
STRYKER CORPORATION COM 863667101 343 1,300 SH   SOLE 0 0 0 1,300
COMCAST CORP NEW CL A 20030N101 224 4,110 SH   SOLE 0 0 0 4,110
JPMORGAN CHASE & CO COM 46625H100 546 3,703 SH   SOLE 0 0 0 3,703
CISCO SYS INC COM 17275R102 212 4,116 SH   SOLE 0 0 0 4,116
ISHARES TR CORE S&P SCP ETF 464287804 16,232 149,068 SH   SOLE 0 0 0 149,068
BRISTOL-MYERS SQUIBB CO COM 110122108 242 3,646 SH   SOLE 0 0 0 3,646
EXXON MOBIL CORP COM 30231G102 381 6,897 SH   SOLE 0 0 0 6,897
ANALOG DEVICES INC COM 032654105 995 6,406 SH   SOLE 0 0 0 6,406
T ROWE PRICE ETF INC PRICE BLUE CHIP 87283Q107 2,155 72,356 SH   SOLE 0 0 0 72,356
EXACT SCIENCES CORP COM 30063P105 204 1,567 SH   SOLE 0 0 0 1,567
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 593 2,202 SH   SOLE 0 0 0 2,202
VISA INC COM CL A 92826C839 820 3,602 SH   SOLE 0 0 0 3,602
HERITAGE INS HLDGS INC COM 42727J102 301 29,368 SH   SOLE 0 0 0 29,368
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 18,772 135,703 SH   SOLE 0 0 0 135,703
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771 1,608 30,495 SH   SOLE 0 0 0 30,495
LILLY ELI & CO COM 532457108 235 1,258 SH   SOLE 0 0 0 1,258
INVESCO QQQ TR UNIT SER 1 46090E103 510 1,522 SH   SOLE 0 0 0 1,522
ECOLAB INC COM 278865100 246 1,109 SH   SOLE 0 0 0 1,109
VERIZON COMMUNICATIONS INC COM 92343V104 513 8,954 SH   SOLE 0 0 0 8,954
CSX CORP COM 126408103 262 2,571 SH   SOLE 0 0 0 2,571
ISHARES TR S&P 500 GRWT ETF 464287309 238 3,456 SH   SOLE 0 0 0 3,456
RAYTHEON TECHNOLOGIES CORP COM 75513E101 505 6,408 SH   SOLE 0 0 0 6,408
ISHARES TR CORE S&P MCP ETF 464287507 29,000 107,659 SH   SOLE 0 0 0 107,659
ISHARES TR RUS 1000 GRW ETF 464287614 363 1,410 SH   SOLE 0 0 0 1,410
MICROSOFT CORP COM 594918104 291 1,132 SH   SOLE 0 0 0 1,132
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 6,977 69,663 SH   SOLE 0 0 0 69,663
ANTHEM INC COM 036752103 357 941 SH   SOLE 0 0 0 941
SPDR SER TR PRTFLO S&P500 GW 78464A409 4,814 80,645 SH   SOLE 0 0 0 80,645
INTUIT COM 461202103 541 1,329 SH   SOLE 0 0 0 1,329
INVESCO EXCHANGE TRADED FD T S&P500 EQL ENR 46137V365 218 5,691 SH   SOLE 0 0 0 5,691
ISHARES TR CORE S&P500 ETF 464287200 6,271 15,149 SH   SOLE 0 0 0 15,149
SPDR SER TR PRTFLO S&P500 VL 78464A508 11,790 304,263 SH   SOLE 0 0 0 304,263
XILINX INC COM 983919101 223 1,814 SH   SOLE 0 0 0 1,814
JOHNSON & JOHNSON COM 478160104 269 1,626 SH   SOLE 0 0 0 1,626
PAYPAL HLDGS INC COM 70450Y103 844 3,218 SH   SOLE 0 0 0 3,218
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 15,447 200,532 SH   SOLE 0 0 0 200,532
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 9,362 140,211 SH   SOLE 0 0 0 140,211