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
AMAZON COM INC COM 023135106 231 71 SH   SOLE   71 0 0
AMERICAN CENTY ETF TR US LARGE CAP VLU 025072349 364 6,728 SH   SOLE   6,728 0 0
AMGEN INC COM 031162100 221 914 SH   SOLE   914 0 0
APPLE INC COM 037833100 2,517 14,413 SH   SOLE   7,833 0 6,580
BERKSHIRE HATHAWAY INC DEL CL A 084670108 2,116 4 SH   SOLE   4 0 0
BLACKROCK TAX MUNICPAL BD TR SHS 09248X100 3,633 164,972 SH   SOLE   164,972 0 0
COHEN & STEERS QUALITY INCOM COM 19247L106 1,303 77,898 SH   SOLE   63,739 0 14,158
COSTCO WHSL CORP NEW COM 22160K105 293 508 SH   SOLE   508 0 0
DEERE & CO COM 244199105 313 753 SH   SOLE   752 0 0
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807 1,479 44,174 SH   SOLE   44,174 0 0
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609 270 5,801 SH   SOLE   5,801 0 0
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708 494 17,901 SH   SOLE   17,901 0 0
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880 255 10,214 SH   SOLE   10,214 0 0
ETF SER SOLUTIONS NATIONWIDE NASDQ 26922A172 982 39,993 SH   SOLE   27,379 0 12,613
EXXON MOBIL CORP COM 30231G102 259 3,142 SH   SOLE   2,175 0 967
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309 2,622 52,690 SH   SOLE   35,544 0 17,145
FLEXSHARES TR INTL QLTDV IDX 33939L837 1,622 67,933 SH   SOLE   45,225 0 22,707
HEARTLAND FINL USA INC COM 42234Q102 1,111 23,238 SH   SOLE   0 0 23,238
HIVE BLOCKCHAIN TECHNLGIES L COM 43366H100 23 11,000 SH   SOLE   11,000 0 0
INVESCO EXCHANGE TRADED FD T S&P SMCP VLU MNT 46137V480 6,352 117,920 SH   SOLE   104,226 0 13,692
ISHARES INC CORE MSCI EMKT 46434G103 240 4,328 SH   SOLE   2,022 0 2,305
ISHARES TR COHEN STEER REIT 464287564 3,024 42,586 SH   SOLE   28,450 0 14,134
ISHARES TR EAFE SML CP ETF 464288273 303 4,562 SH   SOLE   2,619 0 1,942
ISHARES TR CORE MSCI EAFE 46432F842 208 2,986 SH   SOLE   1,752 0 1,234
ISHARES TR MSCI USA MMENTM 46432F396 7,984 47,447 SH   SOLE   32,027 0 15,419
ISHARES TR EAFE VALUE ETF 464288877 5,719 113,797 SH   SOLE   95,765 0 18,032
ISHARES U S ETF TR BLACKROCK ST MAT 46431W507 1,478 29,826 SH   SOLE   21,782 0 8,043
J P MORGAN EXCHANGE-TRADED F ULTRA SHRT INC 46641Q837 9,364 186,283 SH   SOLE   143,679 0 42,603
JOHN HANCOCK EXCHANGE TRADED MLTFCTR LRG CAP 47804J107 4,684 82,589 SH   SOLE   82,588 0 0
JOHN HANCOCK EXCHANGE TRADED MULTFCTR EMRNG 47804J834 1,700 61,565 SH   SOLE   61,565 0 0
JOHN HANCOCK EXCHANGE TRADED MULTI INTL ETF 47804J859 2,425 76,607 SH   SOLE   76,606 0 0
MICROSOFT CORP COM 594918104 433 1,404 SH   SOLE   1,304 0 100
PROSHARES TR INVT INT RT HG 74347B607 307 4,256 SH   SOLE   4,255 0 0
RIVERNORTH OPPORTUNISTIC MUN COM 76883F108 951 51,254 SH   SOLE   51,254 0 0
S&P GLOBAL INC COM 78409V104 2,845 6,937 SH   SOLE   150 0 6,787
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 7,264 197,814 SH   SOLE   114,583 0 83,230
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 351 6,512 SH   SOLE   966 0 5,546
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 5,730 150,906 SH   SOLE   102,510 0 48,395
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 2,795 35,430 SH   SOLE   22,935 0 12,494
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755 413 12,811 SH   SOLE   1,188 0 11,622
SCHWAB STRATEGIC TR US REIT ETF 808524847 3,473 139,524 SH   SOLE   110,221 0 29,302
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 6,832 95,705 SH   SOLE   77,904 0 17,800
SEMPRA COM 816851109 265 1,576 SH   SOLE   1,576 0 0
SPDR INDEX SHS FDS ASIA PACIF ETF 78463X301 4,783 43,538 SH   SOLE   28,140 0 15,397
SPDR S&P 500 ETF TR TR UNIT 78462F103 917 2,031 SH   SOLE   2,030 0 0
SYNTAX ETF TR STRATIFD LRG CAP 87166N106 17,866 255,591 SH   SOLE   171,420 0 84,170
TESLA INC COM 88160R101 355 329 SH   SOLE   329 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 2,455 10,782 SH   SOLE   9,854 0 927
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 1,688 4,066 SH   SOLE   4,066 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 246 1,156 SH   SOLE   1,091 0 65
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 520 3,141 SH   SOLE   3,141 0 0
VANGUARD INDEX FDS LARGE CAP ETF 922908637 4,421 21,205 SH   SOLE   21,205 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 541 11,729 SH   SOLE   10,550 0 1,178
VANGUARD STAR FDS VG TL INTL STK F 921909768 719 12,036 SH   SOLE   12,036 0 0
VISA INC COM CL A 92826C839 249 1,121 SH   SOLE   1,120 0 0
WESTERN ASSET MTG CAP CORP COM 95790D105 31 18,000 SH   SOLE   18,000 0 0
WISDOMTREE TR EM EX ST-OWNED 97717X578 601 18,401 SH   SOLE   14,993 0 3,407