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 352,631 3,641 SH   SOLE   3,641 0 0
ABBVIE INC COM 00287Y109 BBG0025Y4RZ3 640,362 4,296 SH   SOLE   4,296 0 0
ALPHABET INC CAP STK CL A 02079K305 BBG009S39JY5 267,347 2,043 SH   SOLE   2,043 0 0
AMAZON COM INC COM 023135106 BBG001S5PQL7 338,393 2,662 SH   SOLE   2,662 0 0
APPLE INC COM 037833100 BBG001S5N8V8 264,519 1,545 SH   SOLE   1,545 0 0
CHEVRON CORP NEW COM 166764100 BBG001S67ZC5 320,884 1,903 SH   SOLE   1,903 0 0
ELI LILLY & CO COM 532457108 BBG001S5STL8 921,178 1,715 SH   SOLE   1,715 0 0
EXXON MOBIL CORP COM 30231G102 BBG001S69V32 377,432 3,210 SH   SOLE   3,210 0 0
FIRST TR EXCHANGE-TRADED FD RBA INDL ETF 33738R704 BBG0063G4FX3 3,571,985 69,332 SH   SOLE   69,332 0 0
INVESCO EXCH TRADED FD TR II NASDAQ 100 ETF 46138G649 BBG00XS6PBW6 3,480,645 23,612 SH   SOLE   23,612 0 0
INVESCO EXCH TRADED FD TR II S&P SMLCP INFO 46138E115 BBG001T7V3J9 3,520,465 80,431 SH   SOLE   80,431 0 0
INVESCO EXCHANGE TRADED FD T DORSEY WRGT TECH 46137V811 BBG001SRNLG8 3,473,838 78,647 SH   SOLE   78,647 0 0
INVESCO EXCHANGE TRADED FD T S&P SML600 VAL 46137V167 BBG00KJR31G2 3,578,769 39,290 SH   SOLE   39,290 0 0
INVESCO EXCHANGE TRADED FD T WATER RES ETF 46137V142 BBG001SPPQG9 3,512,645 66,052 SH   SOLE   66,052 0 0
ISHARES GOLD TR SHARES REPRESENT 46436F103 BBG011K3SP01 3,490,187 189,170 SH   SOLE   189,170 0 0
ISHARES INC CORE MSCI EMKT 46434G103 BBG003HC3DG9 334,367 7,026 SH   SOLE   7,026 0 0
ISHARES TR 20 YR TR BD ETF 464287432 BBG001S8MLN3 542,517 6,117 SH   SOLE   6,117 0 0
ISHARES TR CORE DIV GRWTH 46434V621 BBG006MJFZK4 3,484,881 70,359 SH   SOLE   70,359 0 0
ISHARES TR CORE HIGH DV ETF 46429B663 BBG001V0XLT8 3,489,235 35,284 SH   SOLE   35,284 0 0
ISHARES TR CORE MSCI EAFE 46432F842 BBG003H6TRS0 285,006 4,429 SH   SOLE   4,429 0 0
ISHARES TR CORE S&P500 ETF 464287200 BBG001SFB7R6 656,598 1,529 SH   SOLE   1,529 0 0
ISHARES TR CORE TOTAL USD 46434V613 BBG006MJCSW0 692,446 15,840 SH   SOLE   15,840 0 0
ISHARES TR EAFE GRWTH ETF 464288885 BBG001SP62C7 830,292 9,621 SH   SOLE   9,621 0 0
ISHARES TR EAFE VALUE ETF 464288877 BBG001SNYBH6 933,584 19,080 SH   SOLE   19,080 0 0
ISHARES TR ESG AWR MSCI USA 46435G425 BBG00FFPFTS4 491,337 5,232 SH   SOLE   5,232 0 0
ISHARES TR ISHARES SEMICDTR 464287523 BBG001SJ8F58 3,515,904 7,423 SH   SOLE   7,423 0 0
ISHARES TR ISHS 5-10YR INVT 464288638 BBG001SSD849 7,481,689 153,786 SH   SOLE   153,786 0 0
ISHARES TR MBS ETF 464288588 BBG001SSD8B1 7,883,042 88,773 SH   SOLE   88,773 0 0
ISHARES TR MSCI USA MIN VOL 46429B697 BBG0025X2G81 288,217 3,982 SH   SOLE   3,982 0 0
ISHARES TR MSCI USA QLT FCT 46432F339 BBG004TRTWW3 4,235,203 32,136 SH   SOLE   32,136 0 0
ISHARES TR NATIONAL MUN ETF 464288414 BBG001SZV978 1,403,670 13,689 SH   SOLE   13,689 0 0
ISHARES TR NORTH AMERN NAT 464287374 BBG001SJKDG7 3,637,461 87,460 SH   SOLE   87,460 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 BBG001S56320 707,267 2,659 SH   SOLE   2,659 0 0
ISHARES TR RUS MDCP VAL ETF 464287473 BBG001S561V2 250,103 2,397 SH   SOLE   2,397 0 0
ISHARES TR S&P 500 GRWT ETF 464287309 BBG001S561Q8 463,888 6,780 SH   SOLE   6,780 0 0
ISHARES TR SHRT NAT MUN ETF 464288158 BBG001SLS4Q3 484,162 4,707 SH   SOLE   4,707 0 0
ISHARES TR TRS FLT RT BD 46434V860 BBG005YTNMS3 470,461 9,272 SH   SOLE   9,272 0 0
ISHARES TR U.S. TECH ETF 464287721 BBG001SFB7Z7 251,493 2,397 SH   SOLE   2,397 0 0
MICROSOFT CORP COM 594918104 BBG001S5TD05 566,771 1,795 SH   SOLE   1,795 0 0
NEXTERA ENERGY INC COM 65339F101 BBG001S5RB29 205,557 3,588 SH   SOLE   3,588 0 0
PEPSICO INC COM 713448108 BBG001S695T1 456,810 2,696 SH   SOLE   2,696 0 0
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771 BBG0051J0PJ9 227,686 4,068 SH   SOLE   4,068 0 0
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755 BBG0051K49J8 212,759 6,718 SH   SOLE   6,718 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 BBG001WBMLH8 25,870,879 584,917 SH   SOLE   584,917 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 BBG0025RWLM4 3,498,940 49,448 SH   SOLE   49,448 0 0
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 BBG001T66WQ7 2,628,292 40,774 SH   SOLE   40,774 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870 BBG001T9F777 6,247,178 123,731 SH   SOLE   123,731 0 0
SELECT SECTOR SPDR TR ENERGY 81369Y506 BBG001S7T1S7 3,725,243 41,213 SH   SOLE   41,213 0 0
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 BBG001SRXRJ1 266,841 8,605 SH   SOLE   8,605 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 BBG001S72SM3 1,143,082 2,674 SH   SOLE   2,674 0 0
SPDR SER TR MSCI USA STRTGIC 78468R812 BBG008HB6477 3,511,185 29,095 SH   SOLE   29,095 0 0
SPDR SER TR NUVEEN BLMBRG SH 78468R739 BBG001T083N5 307,568 6,653 SH   SOLE   6,653 0 0
SPDR SER TR PORTFOLIO S&P500 78464A854 BBG001SPTB87 2,842,454 56,555 SH   SOLE   56,555 0 0
SPDR SER TR PORTFOLIO SH TSR 78468R101 BBG0029J2KF1 4,824,529 167,985 SH   SOLE   167,985 0 0
SPDR SER TR S&P OILGAS EXP 78468R556 BBG001SB12P9 3,504,284 23,692 SH   SOLE   23,692 0 0
SPDR SER TR S&P SEMICNDCTR 78464A862 BBG001SQDKJ0 3,475,257 17,730 SH   SOLE   17,730 0 0
VANECK ETF TRUST GOLD MINERS ETF 92189F106 BBG001SR42Z0 3,305,597 122,839 SH   SOLE   122,839 0 0
VANGUARD INDEX FDS LARGE CAP ETF 922908637 BBG001SHTTQ6 378,660 1,935 SH   SOLE   1,935 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611 BBG001SHVTR2 3,631,587 22,770 SH   SOLE   22,770 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 BBG001SHVR78 3,690,455 26,756 SH   SOLE   26,756 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 BBG009THVRX1 1,251,706 26,023 SH   SOLE   26,023 0 0
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 BBG001T62M92 6,161,742 107,817 SH   SOLE   107,817 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 BBG001SQX4T3 3,505,373 22,560 SH   SOLE   22,560 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768 BBG001TJR1D8 3,466,437 64,769 SH   SOLE   64,769 0 0
VANGUARD WORLD FDS FINANCIALS ETF 92204A405 BBG001SHTTM0 3,575,204 44,512 SH   SOLE   44,512 0 0
VANGUARD WORLD FDS INF TECH ETF 92204A702 BBG001SHTTR5 3,555,692 8,569 SH   SOLE   8,569 0 0
WISDOMTREE TR US MIDCAP FUND 97717W570 BBG001SSZB66 3,557,787 70,118 SH   SOLE   70,118 0 0