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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ABBOTT LABS COM 002824100 BBG001S5N9M6 396,942 3,641 SH   SOLE   3,641 0 0
ABBVIE INC COM 00287Y109 BBG0025Y4RZ3 570,716 4,236 SH   SOLE   4,236 0 0
ALPHABET INC CAP STK CL A 02079K305 BBG009S39JY5 263,101 2,198 SH   SOLE   2,198 0 0
AMAZON COM INC COM 023135106 BBG001S5PQL7 357,186 2,740 SH   SOLE   2,740 0 0
APPLE INC COM 037833100 BBG001S5N8V8 346,430 1,786 SH   SOLE   1,786 0 0
EXXON MOBIL CORP COM 30231G102 BBG001S69V32 394,144 3,675 SH   SOLE   3,675 0 0
FIRST TR EXCHANGE-TRADED FD RBA INDL ETF 33738R704 BBG0063G4FX3 4,231,601 78,276 SH   SOLE   78,276 0 0
INVESCO EXCH TRADED FD TR II NASDAQ 100 ETF 46138G649 BBG00XS6PBW6 3,556,180 23,399 SH   SOLE   23,399 0 0
INVESCO EXCH TRADED FD TR II S&P SMLCP INFO 46138E115 BBG001T7V3J9 4,238,066 28,758 SH   SOLE   28,758 0 0
INVESCO EXCHANGE TRADED FD T DWA TECHNOLOGY 46137V811 BBG001SRNLG8 4,171,468 28,333 SH   SOLE   28,333 0 0
INVESCO EXCHANGE TRADED FD T S&P SML600 VAL 46137V167 BBG00KJR31G2 3,858,824 41,258 SH   SOLE   41,258 0 0
INVESCO EXCHANGE TRADED FD T WATER RES ETF 46137V142 BBG001SPPQG9 3,840,046 68,098 SH   SOLE   68,098 0 0
ISHARES GOLD TR SHARES REPRESENT 46436F103 BBG011K3SP01 3,453,340 180,049 SH   SOLE   180,049 0 0
ISHARES TR CORE DIV GRWTH 46434V621 BBG006MJFZK4 3,715,313 72,100 SH   SOLE   72,100 0 0
ISHARES TR CORE HIGH DV ETF 46429B663 BBG001V0XLT8 3,586,511 35,584 SH   SOLE   35,584 0 0
ISHARES TR CORE MSCI EAFE 46432F842 BBG003H6TRS0 331,223 4,907 SH   SOLE   4,907 0 0
ISHARES TR CORE S&P500 ETF 464287200 BBG001SFB7R6 233,106 523 SH   SOLE   523 0 0
ISHARES TR FLTG RATE NT ETF 46429B655 BBG001V1QYX1 306,953 6,040 SH   SOLE   6,040 0 0
ISHARES TR ISHARES SEMICDTR 464287523 BBG001SJ8F58 4,317,797 8,512 SH   SOLE   8,512 0 0
ISHARES TR ISHS 5-10YR INVT 464288638 BBG001SSD849 7,950,009 157,208 SH   SOLE   157,208 0 0
ISHARES TR MBS ETF 464288588 BBG001SSD8B1 7,531,430 80,753 SH   SOLE   80,753 0 0
ISHARES TR MSCI EAFE ETF 464287465 BBG001SG09V7 232,073 3,201 SH   SOLE   3,201 0 0
ISHARES TR MSCI USA QLT FCT 46432F339 BBG004TRTWW3 3,925,526 29,106 SH   SOLE   29,106 0 0
ISHARES TR NATIONAL MUN ETF 464288414 BBG001SZV978 1,749,305 16,390 SH   SOLE   16,390 0 0
ISHARES TR NORTH AMERN NAT 464287374 BBG001SJKDG7 3,566,859 91,882 SH   SOLE   91,882 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 BBG001S56320 732,529 2,662 SH   SOLE   2,662 0 0
ISHARES TR RUS MDCP VAL ETF 464287473 BBG001S561V2 285,145 2,596 SH   SOLE   2,596 0 0
ISHARES TR S&P 500 GRWT ETF 464287309 BBG001S561Q8 989,257 14,036 SH   SOLE   14,036 0 0
ISHARES TR SHRT NAT MUN ETF 464288158 BBG001SLS4Q3 779,676 7,494 SH   SOLE   7,494 0 0
LILLY ELI & CO COM 532457108 BBG001S5STL8 861,047 1,836 SH   SOLE   1,836 0 0
LISTED FD TR HORIZON KINETICS 53656F623 BBG00YV34KZ7 3,585,341 117,283 SH   SOLE   117,283 0 0
MICROSOFT CORP COM 594918104 BBG001S5TD05 626,934 1,841 SH   SOLE   1,841 0 0
NEXTERA ENERGY INC COM 65339F101 BBG001S5RB29 266,230 3,588 SH   SOLE   3,588 0 0
PDC ENERGY INC COM 69327R101 BBG001S5V439 426,840 6,000 SH   SOLE   6,000 0 0
PEPSICO INC COM 713448108 BBG001S695T1 499,353 2,696 SH   SOLE   2,696 0 0
PFIZER INC COM 717081103 BBG001S5V466 209,846 5,721 SH   SOLE   5,721 0 0
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771 BBG0051J0PJ9 832,405 14,459 SH   SOLE   14,459 0 0
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755 BBG0051K49J8 761,915 23,596 SH   SOLE   23,596 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 BBG001WBMLH8 25,948,105 562,134 SH   SOLE   562,134 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 BBG0025RWLM4 3,643,418 50,171 SH   SOLE   50,171 0 0
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 BBG001T66WQ7 3,041,659 45,337 SH   SOLE   45,337 0 0
SCHWAB STRATEGIC TR US REIT ETF 808524847 BBG001V039G2 247,426 12,669 SH   SOLE   12,669 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870 BBG001T9F777 6,648,910 126,815 SH   SOLE   126,815 0 0
SELECT SECTOR SPDR TR ENERGY 81369Y506 BBG001S7T1S7 3,658,007 45,066 SH   SOLE   45,066 0 0
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 BBG001SRXRJ1 986,515 30,317 SH   SOLE   30,317 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 BBG001S72SM3 1,187,104 2,678 SH   SOLE   2,678 0 0
SPDR SER TR PORTFOLIO SH TSR 78468R101 BBG0029J2KF1 5,148,458 178,828 SH   SOLE   178,828 0 0
SPDR SER TR S&P OILGAS EXP 78468R556 BBG001SB12P9 3,591,909 27,881 SH   SOLE   27,881 0 0
SPDR SER TR S&P SEMICNDCTR 78464A862 BBG001SQDKJ0 4,251,645 19,213 SH   SOLE   19,213 0 0
VANECK ETF TRUST GOLD MINERS ETF 92189F106 BBG001SR42Z0 3,071,280 102,002 SH   SOLE   102,002 0 0
VANGUARD INDEX FDS LARGE CAP ETF 922908637 BBG001SHTTQ6 912,848 4,503 SH   SOLE   4,503 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611 BBG001SHVTR2 3,910,883 23,645 SH   SOLE   23,645 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 BBG001SHTTV0 258,756 1,301 SH   SOLE   1,301 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 BBG001SHVR78 3,851,621 27,105 SH   SOLE   27,105 0 0
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 BBG001T62M92 6,306,654 107,512 SH   SOLE   107,512 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 BBG001SQX4T3 3,759,930 23,148 SH   SOLE   23,148 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768 BBG001TJR1D8 3,593,102 64,071 SH   SOLE   64,071 0 0
VANGUARD WORLD FDS FINANCIALS ETF 92204A405 BBG001SHTTM0 3,746,626 46,118 SH   SOLE   46,118 0 0
VANGUARD WORLD FDS INF TECH ETF 92204A702 BBG001SHTTR5 4,087,768 9,244 SH   SOLE   9,244 0 0
WISDOMTREE TR US MIDCAP FUND 97717W570 BBG001SSZB66 3,867,002 73,045 SH   SOLE   73,045 0 0