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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
SCHWAB U.S. LARGE-CAP ETF ETF 808524201 90,029 989,875 SH   SOLE   989,875 0 0
SCHWAB U.S. MID-CAP ETF ETF 808524508 53,070 778,384 SH   SOLE   778,384 0 0
WISDOMTREE U.S. QUALITY DIVIDEND GROWTH FUND ETF 97717X669 36,383 674,267 SH   SOLE   674,266 0 0
INNOVATOR S&P 500 BUFFER ETF - FEBRUARY ETF 45782C433 1,891 69,505 SH   SOLE   69,505 0 0
INVESCO S&P MIDCAP LOW VOLATILITY ETF ETF 46138E198 1,695 35,235 SH   SOLE   35,234 0 0
AT&T INC COM Stock 00206R102 766 26,638 SH   SOLE   26,637 0 0
SCHWAB U.S. SMALL-CAP ETF ETF 808524607 2,135 23,992 SH   SOLE   23,992 0 0
ISHARES MSCI USA QUALITY FACTOR ETF ETF 46432F339 1,991 17,135 SH   SOLE   17,134 0 0
APPLE INC COM Stock 037833100 1,980 14,922 SH   SOLE   14,921 0 0
SPDR NUVEEN BLOOMBERG BARCLAYS SHORT TERM MUNICIPAL BOND ETF ETF 78468R739 570 11,439 SH   SOLE   11,438 0 0
ISHARES MSCI USA MIN VOL FACTOR ETF ETF 46429B697 764 11,259 SH   SOLE   11,259 0 0