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
APPLE INC COM 037833100 232 1,630 SH   SOLE   0 0 1,630
FIRST TR MORNINGSTAR DIVID L SHS 336917109 830 25,030 SH   SOLE   0 0 25,030
GOLDMAN SACHS ETF TR ACCES TREASURY 381430529 10,686 107,184 SH   SOLE   0 0 107,184
ISHARES TR CORE S&P500 ETF 464287200 1,519 4,125 SH   SOLE   0 0 4,125
ISHARES TR MSCI EAFE ETF 464287465 515 14,220 SH   SOLE   0 0 14,220
ISHARES TR RUS 1000 GRW ETF 464287614 400 1,855 SH   SOLE   0 0 1,855
ISHARES TR RUS 1000 ETF 464287622 877 4,333 SH   SOLE   0 0 4,333
ISHARES TR RUSSELL 2000 ETF 464287655 1,104 6,522 SH   SOLE   0 0 6,522
ISHARES TR RUSSELL 3000 ETF 464287689 416 1,962 SH   SOLE   0 0 1,962
ISHARES TR EAFE GRWTH ETF 464288885 257 4,382 SH   SOLE   0 0 4,382
KRANESHARES TR CSI CHI INTERNET 500767306 466 18,839 SH   SOLE   0 0 18,839
MICROSOFT CORP COM 594918104 647 2,688 SH   SOLE   0 0 2,688
NUVEEN MUN VALUE FD INC COM 670928100 117 13,731 SH   SOLE   0 0 13,731
PFIZER INC COM 717081103 607 13,756 SH   SOLE   0 0 13,756
PIONEER MUNICIPAL HIGH INCOM COM SHS 723763108 90 10,703 SH   SOLE   0 0 10,703
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 367 8,518 SH   SOLE   0 0 8,518
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 6,401 102,962 SH   SOLE   0 0 102,962
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 4,578 118,017 SH   SOLE   0 0 118,017
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 3,678 161,943 SH   SOLE   0 0 161,943
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 6,660 231,986 SH   SOLE   0 0 231,986
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 752 16,498 SH   SOLE   0 0 16,498
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 514 10,646 SH   SOLE   0 0 10,646
TEMPLETON GLOBAL INCOME FD COM 880198106 373 87,166 SH   SOLE   0 0 87,166
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 540 14,535 SH   SOLE   0 0 14,535
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 525 11,598 SH   SOLE   0 0 11,598
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 376 10,143 SH   SOLE   0 0 10,143
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 337 999 SH   SOLE   0 0 999
VANGUARD INDEX FDS MID CAP ETF 922908629 2,550 13,175 SH   SOLE   0 0 13,175
VANGUARD INDEX FDS VALUE ETF 922908744 336 2,652 SH   SOLE   0 0 2,652
GLOBAL X FDS REIT ETF 37950E127 141 20,383 SH   SOLE   0 0 20,383
ARK ETF TR INNOVATION ETF 00214Q104 424 11,189 SH   SOLE   0 0 11,189
ARK ETF TR GENOMIC REV ETF 00214Q302 329 9,685 SH   SOLE   0 0 9,685
DELAWARE INVTS NATL MUN INCO SH BEN INT 24610T108 428 38,909 SH   SOLE   0 0 38,909
GLOBAL X FDS GENOMIC BIOTECH 37954Y434 685 54,420 SH   SOLE   0 0 54,420
INVESCO QQQ TR UNIT SER 1 46090E103 2,499 9,135 SH   SOLE   0 0 9,135
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 20,665 157,955 SH   SOLE   0 0 157,955
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613 248 1,737 SH   SOLE   0 0 1,737
INVESCO EXCH TRADED FD TR II NASDAQ 100 ETF 46138G649 443 3,863 SH   SOLE   0 0 3,863
ISHARES TR FLTG RATE NT ETF 46429B655 382 7,631 SH   SOLE   0 0 7,631
ISHARES TR 0-5 YR TIPS ETF 46429B747 682 7,045 SH   SOLE   0 0 7,045
ISHARES TR CORE MSCI TOTAL 46432F834 3,022 58,170 SH   SOLE   0 0 58,170
NUVEEN SELECT MAT MUN FD SH BEN INT 67061T101 112 12,624 SH   SOLE   0 0 12,624
NUVEEN SELECT TAX-FREE INCOM SH BEN INT 67062F100 214 16,111 SH   SOLE   0 0 16,111
SPDR S&P 500 ETF TR TR UNIT 78462F103 3,027 8,256 SH   SOLE   0 0 8,256
SPDR NUVEN BLM SHT TM MPL BOND ETF 78464A425 513 11,124 SH   SOLE   0 0 11,124
SSGA ACTIVE ETF TR BLACKSTONE SENR 78467V608 1,303 31,905 SH   SOLE   0 0 31,905
SPDR SER TR PORTFOLIO S&P600 78468R853 1,146 32,828 SH   SOLE   0 0 32,828
VANECK ETF TRUST PREFERRED SECURT 92189F429 203 11,742 SH   SOLE   0 0 11,742
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 777 10,420 SH   SOLE   0 0 10,420
WISDOMTREE TR EM EX ST-OWNED 97717X578 1,110 44,492 SH   SOLE   0 0 44,492