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

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COLUMN 1COLUMN 2COLUMN 3COLUMN 4COLUMN 5COLUMN 6COLUMN 7COLUMN 8
VALUESHRS ORSH/PUT/INVESTMENTOTHERVOTING AUTHORITY
NAME OF ISSUERTITLE OF CLASSCUSIP(x$1000)PRN AMTPRNCALLDISCRETIONMANAGERSOLESHAREDNONE
ABBOTT LABSCOM0028241002912,464SH SOLE 2,46400
ADOBE SYSTEMS INCORPORATEDCOM00724F101322559SH SOLE 55900
ALPHABET INCCAP STK CL C02079K107882331SH SOLE 33100
ALPHABET INCCAP STK CL A02079K3051,006376SH SOLE 37600
AMAZON COM INCCOM0231351061,958596SH SOLE 59600
APPLE INCCOM0378331004,03928,544SH SOLE 28,54400
AT&T INCCOM00206R10235213,009SH SOLE 13,00900
BERKSHIRE HATHAWAY INC DELCL B NEW0846707026712,458SH SOLE 2,45800
BK OF AMERICA CORPCOM06050510471516,838SH SOLE 16,83800
CISCO SYS INCCOM17275R1023055,601SH SOLE 5,60100
COMCAST CORP NEWCL A20030N1013646,508SH SOLE 6,50800
CONFORMIS INCCOM20717E1011310,000SH SOLE 10,00000
COSTCO WHSL CORP NEWCOM22160K105397883SH SOLE 88300
CROWDSTRIKE HLDGS INCCL A22788C1054251,731SH SOLE 1,73100
CSX CORPCOM12640810360820,454SH SOLE 20,45400
DIGITALOCEAN HLDGS INCCOM25402D1025046,501SH SOLE 6,50100
DISNEY WALT COCOM2546871064742,803SH SOLE 2,80300
EXXON MOBIL CORPCOM30231G1025028,526SH SOLE 8,52600
FACEBOOK INCCL A30303M1021,1393,355SH SOLE 3,35500
HOME DEPOT INCCOM4370761024471,362SH SOLE 1,36200
HUNTINGTON BANCSHARES INCCOM44615010488257,032SH SOLE 57,03200
INVESCO EXCH TRADED FD TR IIS&P500 LOW VOL46138E3542113,463SH SOLE 3,46300
ISHARES INCCORE MSCI EMKT46434G1034387,089SH SOLE 7,08900
ISHARES TRMSCI EAFE MIN VL46429B6893754,972SH SOLE 4,97200
ISHARES TRMSCI USA MIN VOL46429B6975827,917SH SOLE 7,91700
ISHARES TRNATIONAL MUN ETF4642884143,13727,001SH SOLE 27,00100
ISHARES TRRUSSELL 2000 ETF4642876552521,155SH SOLE 1,15500
ISHARES TRRUS 2000 VAL ETF4642876302241,396SH SOLE 1,39600
ISHARES TRRUS MID CAP ETF4642874992693,435SH SOLE 3,43500
ISHARES TRSHRT NAT MUN ETF4642881581,40213,033SH SOLE 13,03300
ISHARES TRJPMORGAN USD EMG4642882813272,969SH SOLE 2,96900
ISHARES TRCORE S&P SCP ETF4642878042742,508SH SOLE 2,50800
ISHARES TRCORE MSCI EAFE46432F8421,57721,237SH SOLE 21,23700
ISHARES TRCORE S&P500 ETF4642872001,0532,444SH SOLE 2,44400
JOHNSON & JOHNSONCOM4781601048385,192SH SOLE 5,19200
JPMORGAN CHASE & COCOM46625H1001,84911,294SH SOLE 11,29400
LIFEMD INCCOM53216B10410617,065SH SOLE 17,06500
MASTERCARD INCORPORATEDCL A57636Q104289832SH SOLE 83200
MCDONALDS CORPCOM5801351013381,400SH SOLE 1,40000
MICROSOFT CORPCOM5949181043,09410,975SH SOLE 10,97500
NETFLIX INCCOM64110L106313513SH SOLE 51300
NEXTERA ENERGY INCCOM65339F1012172,759SH SOLE 2,75900
NORFOLK SOUTHN CORPCOM6558441084171,744SH SOLE 1,74400
NVIDIA CORPORATIONCOM67066G1049774,712SH SOLE 4,71200
ORACLE CORPCOM68389X1053443,951SH SOLE 3,95100
PAYPAL HLDGS INCCOM70450Y1033591,379SH SOLE 1,37900
PEPSICO INCCOM7134481085383,578SH SOLE 3,57800
PFIZER INCCOM7170811033137,281SH SOLE 7,28100
PROCTER AND GAMBLE COCOM7427181092,39117,105SH SOLE 17,10500
PROLOGIS INC.COM74340W1032882,293SH SOLE 2,29300
PROSHARES TRULTRAPRO QQQ74347X8312341,878SH SOLE 1,87800
ROKU INCCOM CL A77543R1026702,141SH SOLE 2,14100
SALESFORCE COM INCCOM79466L3024441,637SH SOLE 1,63700
SCHWAB STRATEGIC TR1000 INDEX ETF80852472265715,417SH SOLE 15,41700
SCHWAB STRATEGIC TREMRG MKTEQ ETF8085247061,43246,992SH SOLE 46,99200
SCHWAB STRATEGIC TRSCHWB FDT INT LG80852475540512,327SH SOLE 12,32700
SCHWAB STRATEGIC TRUS BRD MKT ETF8085241028,68683,633SH SOLE 83,63300
SCHWAB STRATEGIC TRUS DIVIDEND EQ8085247974,71263,480SH SOLE 63,48000
SCHWAB STRATEGIC TRUS LRG CAP ETF8085242011,10210,595SH SOLE 10,59500
SCHWAB STRATEGIC TRUS LCAP GR ETF8085243007,20748,666SH SOLE 48,66600
SCHWAB STRATEGIC TRUS LCAP VA ETF8085244092,52537,422SH SOLE 37,42200
SCHWAB STRATEGIC TRUS MID-CAP ETF8085245084,71661,521SH SOLE 61,52100
SCHWAB STRATEGIC TRUS REIT ETF8085248472184,780SH SOLE 4,78000
SCHWAB STRATEGIC TRUS SML CAP ETF8085246073,22132,181SH SOLE 32,18100
SCHWAB STRATEGIC TRINTL EQTY ETF8085248053108,002SH SOLE 8,00200
SHOPIFY INCCL A82509L107918677SH SOLE 67700
SORRENTO THERAPEUTICS INCCOM NEW83587F2028210,717SH SOLE 10,71700
SPDR S&P 500 ETF TRTR UNIT78462F1035901,373SH SOLE 1,37300
SPDR SER TRS&P 600 SMCP VAL78464A3004915,997SH SOLE 5,99700
SPDR SER TRS&P DIVID ETF78464A7632502,130SH SOLE 2,13000
SPDR SER TRS&P 400 MDCP VAL78464A8394176,292SH SOLE 6,29200
SPDR SER TRSPDR BLOOMBERG78468R6633303,612SH SOLE 3,61200
TESLA INCCOM88160R1018101,045SH SOLE 1,04500
THE TRADE DESK INCCOM CL A88339J1051,21917,341SH SOLE 17,34100
UNITEDHEALTH GROUP INCCOM91324P1024791,227SH SOLE 1,22700
US BANCORP DELCOM NEW9029733044647,808SH SOLE 7,80800
VANECK ETF TRUSTHIGH YLD MUNIETF92189H4091,10917,749SH SOLE 17,74900
VANGUARD BD INDEX FDSINTERMED TERM9219378191,53217,129SH SOLE 17,12900
VANGUARD BD INDEX FDSTOTAL BND MRKT9219378354595,369SH SOLE 5,36900
VANGUARD INDEX FDSREAL ESTATE ETF9229085533,54434,819SH SOLE 34,81900
VANGUARD INDEX FDSSML CP GRW ETF9229085952,6349,400SH SOLE 9,40000
VANGUARD INDEX FDSMID CAP ETF9229086299023,812SH SOLE 3,81200
VANGUARD INDEX FDSGROWTH ETF9229087366,37521,971SH SOLE 21,97100
VANGUARD INDEX FDSMCAP GR IDXVIP9229085383,03112,824SH SOLE 12,82400
VANGUARD INDEX FDSMCAP VL IDXVIP9229085122,09515,007SH SOLE 15,00700
VANGUARD INDEX FDSS&P 500 ETF SHS9229083631,2833,251SH SOLE 3,25100
VANGUARD INDEX FDSSM CP VAL ETF9229086113,22919,075SH SOLE 19,07500
VANGUARD INDEX FDSVALUE ETF9229087446,27746,369SH SOLE 46,36900
VANGUARD INDEX FDSSMALL CP ETF9229087518914,076SH SOLE 4,07600
VANGUARD INDEX FDSTOTAL STK MKT92290876920,35891,680SH SOLE 91,68000
VANGUARD INTL EQUITY INDEX FFTSE EMR MKT ETF9220428583,81776,328SH SOLE 76,32800
VANGUARD INTL EQUITY INDEX FFTSE SMCAP ETF9220427183322,484SH SOLE 2,48400
VANGUARD MUN BD FDSTAX EXEMPT BD9229077463636,634SH SOLE 6,63400
VANGUARD STAR FDSVG TL INTL STK F9219097681,84629,175SH SOLE 29,17500
VANGUARD TAX-MANAGED INTL FDFTSE DEV MKT ETF9219438581,83936,413SH SOLE 36,41300
VANGUARD WHITEHALL FDSHIGH DIV YLD9219464066115,907SH SOLE 5,90700
VANGUARD WORLD FDESG US STK ETF9219107332182,722SH SOLE 2,72200
VERIZON COMMUNICATIONS INCCOM92343V1043546,553SH SOLE 6,55300
VISA INCCOM CL A92826C8395252,358SH SOLE 2,35800
WALMART INCCOM9311421034573,275SH SOLE 3,27500
WENDYS COCOM95058W10021910,120SH SOLE 10,12000