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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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
SPDR NUVEN BLM SHT TM MPL BND ETF NUVEEN BLMBRG SH 78468R739 767 16,233 SH   SOLE   0 0 16,233
VANGUARD FTSE DEVELOPED MARKETS ETF VAN FTSE DEV MKT 921943858 483 11,918 SH   SOLE   0 0 11,918
VANGUARD VALUE ETF VALUE ETF 922908744 346 2,638 SH   SOLE   0 0 2,638
SCHWAB US SMALL CAP ETF US SML CAP ETF 808524607 4,555 117,495 SH   SOLE   0 0 117,495
CHARLES SCHWAB US MC ETF US MID-CAP ETF 808524508 6,443 103,159 SH   SOLE   0 0 103,159
SCHWAB US BROAD MARKET ETF US BRD MKT ETF 808524102 371 8,431 SH   SOLE   0 0 8,431
INVSC QQQ TRUST SRS 1 ETF UNIT SER 1 46090E103 2,522 9,045 SH   SOLE   0 0 9,045
SPDR S&P 500 ETF TR UNIT 78462F103 3,088 8,228 SH   SOLE   0 0 8,228
SCHWAB SHORT TERM US TREASURY ETF SHT TM US TRES 808524862 626 12,723 SH   SOLE   0 0 12,723
FIRST TRUST MORNINGSTAR DIV L ETF IV SHS 336917109 611 17,445 SH   SOLE   0 0 17,445
NUVEEN SELECT MATURITY M SH BEN INT 67061T101 116 12,564 SH   SOLE   0 0 12,564
NUVEEN SELECT TAX-FREE I SH BEN INT 67062F100 219 16,007 SH   SOLE   0 0 16,007
DELAWARE INV NATIONAL MU SH BEN INT 24610T108 452 38,699 SH   SOLE   0 0 38,699
INVESCO S&P 500 EQUAL WEIGHT ETF S&P500 EQL WGT 46137V357 20,833 155,878 SH   SOLE   0 0 155,878
VANGUARD S&P 500 ETF S&P 500 ETF SHS 922908363 214 620 SH   SOLE   0 0 620
ISHARES RUSSELL 3000 ETF RUSSELL 3000 ETF 464287689 423 1,955 SH   SOLE   0 0 1,955
ISHARES RUSSELL 2000 ETF RUSSELL 2000 ETF 464287655 1,082 6,429 SH   SOLE   0 0 6,429
ISHARES RUSSELL 1000 GROWTH ETF RUS 1000 GRW ETF 464287614 404 1,855 SH   SOLE   0 0 1,855
ISHARES RUSSELL 1000 ETF RUS 1000 ETF 464287622 896 4,333 SH   SOLE   0 0 4,333
GLOBAL X SUPERDIVIDEND REIT ETF REIT ETF 37950E907 243 30,191 SH   SOLE   0 0 30,191
VANECK PREFERRED SECURT EX FNCL ETF PREFERRED SECURT 92189F429 1,066 58,868 SH   SOLE   0 0 58,868
SPDR PORTFOLIO S&P 600 SMALL CAP ETF PORTFOLIO S&P600 78468R853 1,065 29,784 SH   SOLE   0 0 29,784
INVESCO NASDAQ 100 ETF NASDAQ 100 ETF 46138G649 307 2,674 SH   SOLE   0 0 2,674
ISHARES MSCI EMERGING MARKETS ETF MSCI EAFE ETF 464287465 568 14,220 SH   SOLE   0 0 14,220
VANGUARD MID CAP ETF MID CAP ETF 922908629 2,633 13,431 SH   SOLE   0 0 13,431
SCHWAB INTERNATIONAL EQUITY ETF INTL EQTY ETF 808524805 7,262 232,281 SH   SOLE   0 0 232,281
ARK INNOVATION ETF INNOVATION ETF 00214Q104 445 11,217 SH   SOLE   0 0 11,217
VANGUARD HIGH DIVIDEND YIELD ETF HIGH DIV YLD 921946406 995 9,828 SH   SOLE   0 0 9,828
ISHARES GLOBAL REIT ETF GLOBAL REIT ETF 46434V647 313 12,967 SH   SOLE   0 0 12,967
SPDR S&P GLOBAL NATURAL RESOURCS ETF GLB NAT RESRCE 78463X541 583 11,239 SH   SOLE   0 0 11,239
ARK GENOMIC REVOLUTION ETF GENOMIC REV ETF 00214Q302 456 14,593 SH   SOLE   0 0 14,593
GLOBAL X GENOMICS AND BIOTECHN ETF GENOMIC BIOTECH 37954Y434 501 40,962 SH   SOLE   0 0 40,962
INVESCO FTSE RAFI US 1000 ETF FTSE RAFI 1000 46137V613 253 1,718 SH   SOLE   0 0 1,718
VANGUARD FTSE EMERGING MARKETS ETF FTSE EMR MKT ETF 922042858 416 10,024 SH   SOLE   0 0 10,024
ISHARES FLOATING RATE BOND ETF FLTG RATE NT ETF 46429B655 854 17,124 SH   SOLE   0 0 17,124
SCHWAB EMERGING MARKETS EQUITY ETF EMRG MKTEQ ETF 808524706 4,154 164,252 SH   SOLE   0 0 164,252
WSDMTRE EMRG MKT EX STT OWN ENTER ET EM EX ST-OWNED 97717X578 1,293 45,262 SH   SOLE   0 0 45,262
ISHARES MSCI EAFE ETF EAFE GRWTH ETF 464288885 272 4,382 SH   SOLE   0 0 4,382
KRANESHARES CSI CHINA INTERNET ETF CSI CHI INTERNET 500767306 650 20,095 SH   SOLE   0 0 20,095
ISHARES CORE S&P 500 ETF CORE S&P500 ETF 464287200 1,422 3,771 SH   SOLE   0 0 3,771
ISHARES CORE MSCI TOTL INTL STCK ETF CORE MSCI TOTAL 46432F834 3,575 63,101 SH   SOLE   0 0 63,101
PIONEER MUNICIPAL HIGH I COM SHS 723763108 98 10,626 SH   SOLE   0 0 10,626
NUVEEN MUNICIPAL VALUE C COM 670928100 121 13,675 SH   SOLE   0 0 13,675
APPLE INC COM 037833100 221 1,630 SH   SOLE   0 0 1,630
TEMPLETON GLOBAL INCOME COM 880198106 378 85,407 SH   SOLE   0 0 85,407
MICROSOFT CORP COM 594918104 686 2,686 SH   SOLE   0 0 2,686
PFIZER INC COM 717081103 717 13,713 SH   SOLE   0 0 13,713
SPDR BLACKSTONE SENIOR LOAN ETF BLACKSTONE SENR 78467V608 3,994 96,075 SH   SOLE   0 0 96,075
VANGUARD FTSE ALL WORLD EX US ETF ALLWRLD EX US 922042775 574 11,549 SH   SOLE   0 0 11,549
GOLDMAN SACHS ACCES TREAS 0 1 YR ETF ACCES TREASURY 381430529 18,889 189,127 SH   SOLE   0 0 189,127
ISHARES 0-5 YEAR TIPS BOND ETF 0-5 YR TIPS ETF 46429B747 2,949 29,056 SH   SOLE   0 0 29,056