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
SCHWAB U.S. LARGE-CAP ETF ETF 808524201 101,020 971,624 SH   SOLE   971,624 0 0
SCHWAB U.S. MID-CAP ETF ETF 808524508 60,361 771,194 SH   SOLE   771,194 0 0
ISHARES CORE 1-5 YEAR USD BOND ETF ETF 46432F859 35,459 691,343 SH   SOLE   691,343 0 0
WISDOMTREE U.S. QUALITY DIVIDEND GROWTH FUND ETF 97717X669 40,598 680,381 SH   SOLE   680,380 0 0
INNOVATOR S&P 500 BUFFER ETF - FEBRUARY ETF 45782C433 1,167 38,105 SH   SOLE   38,105 0 0
INNOVATOR TRIPLE STACKER ETF - JANUARY ETF 45782C169 982 34,564 SH   SOLE   34,564 0 0
INVESCO S&P MIDCAP LOW VOLATILITY ETF ETF 46138E198 1,839 34,380 SH   SOLE   34,380 0 0
AT&T INC COM Stock 00206R102 855 29,697 SH   SOLE   29,697 0 0
INNOVATOR S&P 500 POWER BUFFER ETF - JANUARY ETF 45782C508 893 27,512 SH   SOLE   27,512 0 0
INNOVATOR RUSSELL 2000 POWER BUFFER ETF - OCTOBER ETF 45782C599 662 24,698 SH   SOLE   24,698 0 0
SCHWAB U.S. SMALL-CAP ETF ETF 808524607 2,390 22,937 SH   SOLE   22,936 0 0
DIMENSIONAL U.S. CORE EQUITY 2 ETF ETF 25434V708 502 18,608 SH   SOLE   18,608 0 0
ISHARES MSCI USA QUALITY FACTOR ETF ETF 46432F339 2,124 15,988 SH   SOLE   15,988 0 0
APPLE INC COM Stock 037833100 1,956 14,281 SH   SOLE   14,281 0 0
INNOVATOR RUSSELL 2000 POWER BUFFER ETF - JANUARY ETF 45782C474 420 13,439 SH   SOLE   13,439 0 0
INNOVATOR S&P 500 BUFFER ETF - MAY ETF 45782C326 369 11,858 SH   SOLE   11,858 0 0
SPDR NUVEEN BLOOMBERG BARCLAYS SHORT TERM MUNICIPAL BOND ETF ETF 78468R739 569 11,481 SH   SOLE   11,480 0 0
ISHARES MSCI USA MIN VOL FACTOR ETF ETF 46429B697 813 11,044 SH   SOLE   11,044 0 0