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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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
AMAZON COM INC COM 023135106 BBG001S5PQL7 1,317,496 7,304 SH   SOLE   7,304 0 0
AMERICAN TOWER CORP NEW COM 03027X100 BBG001S5NPQ6 380,954 1,928 SH   SOLE   1,928 0 0
APPLE INC COM 037833100 BBG001S5N8V8 1,362,945 7,948 SH   SOLE   7,948 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 BBG001S90346 1,208,154 2,873 SH   SOLE   2,873 0 0
CVR PARTNERS LP COM 126633205 BBG001TWQXN9 275,065 3,500 SH   SOLE   3,500 0 0
DISCOVER FINL SVCS COM 254709108 BBG001SS0KV6 2,913,475 22,225 SH   SOLE   22,225 0 0
EQUINIX INC COM 29444U700 BBG001SKBNS9 300,335 364 SH   SOLE   364 0 0
INNOVATOR ETFS TRUST INNOVATOR INTER 45783Y533 BBG01J43LCY9 297,895 10,940 SH   SOLE   10,940 0 0
INNOVATOR ETFS TRUST INTERNATIONAL DV 45782C631 BBG012S32N86 333,997 11,549 SH   SOLE   11,549 0 0
INNOVATOR ETFS TRUST US EQTY BUFR JAN 45782C409 BBG00MYXK7W8 271,124 6,227 SH   SOLE   6,227 0 0
INNOVATOR ETFS TRUST US EQTY PWR BF 45782C680 BBG00PVP39R2 482,512 13,638 SH   SOLE   13,638 0 0
INNOVATOR ETFS TRUST US EQTY PWR BUF 45782C656 BBG00Q4028Q9 491,035 13,453 SH   SOLE   13,453 0 0
INNOVATOR ETFS TRUST US EQTY PWR BUF 45782C813 BBG00LNDTJL3 426,136 11,220 SH   SOLE   11,220 0 0
INNOVATOR ETFS TRUST US EQTY PWR BUF 45782C573 BBG00QPZ1F93 446,259 12,553 SH   SOLE   12,553 0 0
INNOVATOR ETFS TRUST US EQTY PWR BUF 45782C508 BBG00MYXKL20 317,573 8,120 SH   SOLE   8,120 0 0
INNOVATOR ETFS TRUST US EQTY PWR BUF 45782C383 BBG00S1NDLX9 235,989 6,411 SH   SOLE   6,411 0 0
INNOVATOR ETFS TRUST US EQTY PWR BUF 45782C540 BBG00QYND1G0 463,694 12,670 SH   SOLE   12,670 0 0
INNOVATOR ETFS TRUST US EQTY PWR BUF 45782C318 BBG00TGM5Q16 322,885 9,944 SH   SOLE   9,944 0 0
INNOVATOR ETFS TRUST US EQTY PWR BUF 45782C797 BBG00M4NZTF8 696,639 18,582 SH   SOLE   18,582 0 0
INNOVATOR ETFS TRUST US EQTY PWR BUF 45782C417 BBG00RHZ5CR3 368,142 10,777 SH   SOLE   10,777 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 BBG001S5S399 208,782 1,093 SH   SOLE   1,093 0 0
ISHARES INC CORE MSCI EMKT 46434G103 BBG003HC3DG9 1,279,835 24,803 SH   SOLE   24,803 0 0
ISHARES TR CORE DIV GRWTH 46434V621 BBG006MJFZK4 10,960,742 188,783 SH   SOLE   188,783 0 0
ISHARES TR CORE MSCI EAFE 46432F842 BBG003H6TRS0 5,003,244 67,411 SH   SOLE   67,411 0 0
ISHARES TR CORE S&P SCP ETF 464287804 BBG001SFC7W9 1,477,984 13,373 SH   SOLE   13,373 0 0
ISHARES TR CORE S&P500 ETF 464287200 BBG001SFB7R6 31,040,549 59,043 SH   SOLE   59,043 0 0
ISHARES TR HDG MSCI EAFE 46434V803 BBG005XKVF72 323,407 9,272 SH   SOLE   9,272 0 0
ISHARES TR IBOXX INV CP ETF 464287242 BBG001S60QR6 1,168,295 10,726 SH   SOLE   10,726 0 0
ISHARES TR MSCI EAFE ETF 464287465 BBG001SG09V7 666,066 8,340 SH   SOLE   8,340 0 0
ISHARES TR NATIONAL MUN ETF 464288414 BBG001SZV978 238,442 2,216 SH   SOLE   2,216 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 BBG001SFC7Y7 356,669 1,696 SH   SOLE   1,696 0 0
ISHARES TR SP SMCP600VL ETF 464287879 BBG001SFQL26 397,408 3,867 SH   SOLE   3,867 0 0
JOHNSON CTLS INTL PLC SHS G51502105 BBG001S5WZ84 331,042 5,068 SH   SOLE   5,068 0 0
LOCKHEED MARTIN CORP COM 539830109 BBG001S7PS57 851,062 1,871 SH   SOLE   1,871 0 0
MICROSOFT CORP COM 594918104 BBG001S5TD05 802,313 1,907 SH   SOLE   1,907 0 0
MORGAN STANLEY COM NEW 617446448 BBG001S9V5Z3 3,839,656 40,778 SH   SOLE   40,778 0 0
NETFLIX INC COM 64110L106 BBG001SF6L46 776,168 1,278 SH   SOLE   1,278 0 0
PROCTER AND GAMBLE CO COM 742718109 BBG001S5V4L9 319,014 1,966 SH   SOLE   1,966 0 0
QUALCOMM INC COM 747525103 BBG001S6VS70 348,589 2,059 SH   SOLE   2,059 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 BBG001T5XQV6 614,991 9,910 SH   SOLE   9,910 0 0
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 BBG001SRXRJ1 255,037 7,116 SH   SOLE   7,116 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 BBG001S72SM3 4,868,212 9,307 SH   SOLE   9,307 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 BBG001S72SM3 261,535 500 SH Put SOLE   500 0 0
SPDR SER TR BLOOMBERG SHT TE 78468R408 BBG002QLYD04 1,286,321 51,004 SH   SOLE   51,004 0 0
SPDR SER TR NUVEEN BLMBRG MU 78468R721 BBG001SRSPW6 684,511 14,727 SH   SOLE   14,727 0 0
SPDR SER TR NUVEEN BLMBRG SH 78468R739 BBG001T083N5 630,905 13,299 SH   SOLE   13,299 0 0
SPDR SER TR PORTFOLIO INTRMD 78464A375 BBG001T2HCY9 438,895 13,426 SH   SOLE   13,426 0 0
SPDR SER TR PORTFOLIO S&P500 78464A854 BBG001SPTB87 632,528 10,280 SH   SOLE   10,280 0 0
SPDR SER TR PORTFOLIO SHORT 78464A474 BBG001T6B0P2 200,441 6,733 SH   SOLE   6,733 0 0
UNITEDHEALTH GROUP INC COM 91324P102 BBG001S6WCJ1 310,672 628 SH   SOLE   628 0 0
VANECK ETF TRUST FALLEN ANGEL HG 92189F437 BBG002VZY7Y3 7,219,654 248,782 SH   SOLE   248,782 0 0
VANECK ETF TRUST HIGH YLD MUNIETF 92189H409 BBG001SZDBR1 350,926 6,715 SH   SOLE   6,715 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 BBG001SK7DK4 628,613 8,655 SH   SOLE   8,655 0 0
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 BBG001SK3J43 15,130,993 86,330 SH   SOLE   86,330 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 BBG001SHTTS4 492,894 1,432 SH   SOLE   1,432 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 BBG001SMD2X3 11,566,346 133,746 SH   SOLE   133,746 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 BBG001TC6MC1 216,796 451 SH   SOLE   451 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 BBG001SHTB03 449,145 1,728 SH   SOLE   1,728 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 BBG001SHVR78 211,718 1,300 SH   SOLE   1,300 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 BBG001SHTTZ6 6,745,195 161,484 SH   SOLE   161,484 0 0
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 BBG001SHTV18 874,073 12,980 SH   SOLE   12,980 0 0
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 BBG001T62M92 13,236,808 226,077 SH   SOLE   226,077 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 BBG001T62M38 31,219,609 387,773 SH   SOLE   387,773 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 BBG001T62KZ7 18,045,459 233,417 SH   SOLE   233,417 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 BBG001SQX4T3 8,366,460 45,816 SH   SOLE   45,816 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 BBG001SSPWL4 20,153,662 401,707 SH   SOLE   401,707 0 0
VANGUARD WORLD FD FINANCIALS ETF 92204A405 BBG001SHTTM0 240,002 2,344 SH   SOLE   2,344 0 0