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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
AT&T INC COM 00206R102 492 16,251 SH   SOLE   0 0 16,251
AMERICAN CENTY ETF TR INTL SMCP VLU 025072802 1,491 23,976 SH   SOLE   0 0 23,976
APPLE INC COM 037833100 11,522 94,323 SH   SOLE   0 0 94,323
BNY MELLON STRATEGIC MUNS IN COM 05588W108 215 25,184 SH   SOLE   0 0 25,184
BK OF AMERICA CORP COM 060505104 1,201 31,029 SH   SOLE   0 0 31,029
BLACKROCK MUN TARGET TERM TR COM SHS BEN IN 09257P105 690 27,143 SH   SOLE   0 0 27,143
BRISTOL-MYERS SQUIBB CO COM 110122108 753 11,935 SH   SOLE   0 0 11,935
CHEVRON CORP NEW COM 166764100 1,126 10,741 SH   SOLE   0 0 10,741
COCA COLA CO COM 191216100 924 17,539 SH   SOLE   0 0 17,539
COHEN & STEERS QUALITY INCOM COM 19247L106 355 25,485 SH   SOLE   0 0 25,485
COHEN & STEERS MLP INCOME & COM SHS 19249B106 214 67,000 SH   SOLE   0 0 67,000
DEVON ENERGY CORP NEW COM 25179M103 2,111 96,601 SH   SOLE   0 0 96,601
EMERSON ELEC CO COM 291011104 1,742 19,310 SH   SOLE   0 0 19,310
ENBRIDGE INC COM 29250N105 649 17,820 SH   SOLE   0 0 17,820
ENTERPRISE PRODS PARTNERS L COM 293792107 487 22,109 SH   SOLE   0 0 22,109
EXELON CORP COM 30161N101 2,120 48,458 SH   SOLE   0 0 48,458
EXXON MOBIL CORP COM 30231G102 596 10,677 SH   SOLE   0 0 10,677
FIRST TR EXCHANGE TRADED FD DJ GLBL DIVID 33734X200 533 21,193 SH   SOLE   0 0 21,193
INNOVATOR ETFS TR IBD 50 ETF 45782C102 595 13,569 SH   SOLE   0 0 13,569
INTEL CORP COM 458140100 1,268 19,810 SH   SOLE   0 0 19,810
INVESCO VALUE MUN INCOME TR COM 46132P108 225 14,352 SH   SOLE   0 0 14,352
INVESCO EXCHANGE TRADED FD T S&P500 PUR GWT 46137V266 4,344 26,446 SH   SOLE   0 0 26,446
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1500 46137V597 3,706 21,016 SH   SOLE   0 0 21,016
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354 20,072 345,168 SH   SOLE   0 0 345,168
INVESCO EXCH TRADED FD TR II FTSE RAFI EMNG 46138E727 340 15,095 SH   SOLE   0 0 15,095
GOLD TR ISHARES 464285105 420 25,819 SH   SOLE   0 0 25,819
ISHARES INC JP MRGN EM HI BD 464286285 720 16,193 SH   SOLE   0 0 16,193
ISHARES TR CORE S&P TTL STK 464287150 20,427 223,007 SH   SOLE   0 0 223,007
ISHARES TR SELECT DIVID ETF 464287168 1,895 16,607 SH   SOLE   0 0 16,607
ISHARES TR TIPS BD ETF 464287176 34,603 275,718 SH   SOLE   0 0 275,718
ISHARES TR CORE S&P500 ETF 464287200 38,612 97,059 SH   SOLE   0 0 97,059
ISHARES TR CORE US AGGBD ET 464287226 108,786 955,685 SH   SOLE   0 0 955,685
ISHARES TR MSCI EMG MKT ETF 464287234 2,968 55,636 SH   SOLE   0 0 55,636
ISHARES TR S&P 500 GRWT ETF 464287309 94,891 1,457,395 SH   SOLE   0 0 1,457,395
ISHARES TR S&P 500 VAL ETF 464287408 100,725 713,146 SH   SOLE   0 0 713,146
ISHARES TR 20 YR TR BD ETF 464287432 1,928 14,232 SH   SOLE   0 0 14,232
ISHARES TR 1 3 YR TREAS BD 464287457 5,152 59,732 SH   SOLE   0 0 59,732
ISHARES TR MSCI EAFE ETF 464287465 4,397 57,960 SH   SOLE   0 0 57,960
ISHARES TR RUS MID CAP ETF 464287499 1,189 16,085 SH   SOLE   0 0 16,085
ISHARES TR CORE S&P MCP ETF 464287507 48,553 186,541 SH   SOLE   0 0 186,541
ISHARES TR RUS 1000 VAL ETF 464287598 13,404 88,448 SH   SOLE   0 0 88,448
ISHARES TR RUS 1000 GRW ETF 464287614 9,490 39,049 SH   SOLE   0 0 39,049
ISHARES TR RUSSELL 2000 ETF 464287655 10,234 46,320 SH   SOLE   0 0 46,320
ISHARES TR CORE S&P SCP ETF 464287804 27,183 250,464 SH   SOLE   0 0 250,464
ISHARES TR SHRT NAT MUN ETF 464288158 4,470 41,456 SH   SOLE   0 0 41,456
ISHARES TR JPMORGAN USD EMG 464288281 22,549 207,097 SH   SOLE   0 0 207,097
ISHARES TR NATIONAL MUN ETF 464288414 127,136 1,095,527 SH   SOLE   0 0 1,095,527
ISHARES TR INTL SEL DIV ETF 464288448 1,346 42,766 SH   SOLE   0 0 42,766
ISHARES TR MBS ETF 464288588 7,094 65,427 SH   SOLE   0 0 65,427
ISHARES TR USD INV GRDE ETF 464288620 7,300 123,644 SH   SOLE   0 0 123,644
ISHARES TR ISHS 1-5YR INVS 464288646 1,833 33,514 SH   SOLE   0 0 33,514
ISHARES TR SHORT TREAS BD 464288679 1,195 10,817 SH   SOLE   0 0 10,817
ISHARES TR PFD AND INCM SEC 464288687 11,023 287,063 SH   SOLE   0 0 287,063
ISHARES TR EAFE VALUE ETF 464288877 725 14,224 SH   SOLE   0 0 14,224
ISHARES TR US TREAS BD ETF 46429B267 11,385 434,712 SH   SOLE   0 0 434,712
ISHARES TR FLTG RATE NT ETF 46429B655 5,735 112,930 SH   SOLE   0 0 112,930
ISHARES TR CORE HIGH DV ETF 46429B663 1,783 18,785 SH   SOLE   0 0 18,785
ISHARES TR MSCI EAFE MIN VL 46429B689 4,837 66,270 SH   SOLE   0 0 66,270
ISHARES TR MSCI USA MIN VOL 46429B697 2,320 33,526 SH   SOLE   0 0 33,526
ISHARES U S ETF TR INT RT HDG C B 46431W705 1,722 17,843 SH   SOLE   0 0 17,843
ISHARES TR MSCI USA QLT FCT 46432F339 98,450 808,426 SH   SOLE   0 0 808,426
ISHARES TR MSCI USA VALUE 46432F388 65,198 636,328 SH   SOLE   0 0 636,328
ISHARES TR CORE MSCI TOTAL 46432F834 23,377 332,630 SH   SOLE   0 0 332,630
ISHARES TR CORE MSCI EAFE 46432F842 111,938 1,553,616 SH   SOLE   0 0 1,553,616
ISHARES INC CORE MSCI EMKT 46434G103 38,927 604,825 SH   SOLE   0 0 604,825
ISHARES INC ESG AWR MSCI EM 46434G863 3,695 85,325 SH   SOLE   0 0 85,325
ISHARES TR 0-5YR HI YL CP 46434V407 2,731 59,608 SH   SOLE   0 0 59,608
ISHARES TR MSCI INTL QUALTY 46434V456 14,037 385,207 SH   SOLE   0 0 385,207
ISHARES TR CORE DIV GRWTH 46434V621 8,687 179,970 SH   SOLE   0 0 179,970
ISHARES TR HDG MSCI EAFE 46434V803 806 24,434 SH   SOLE   0 0 24,434
ISHARES TR BLACKROCK ULTRA 46434V878 14,181 280,706 SH   SOLE   0 0 280,706
ISHARES TR IBONDS DEC23 ETF 46434VAX8 2,792 106,804 SH   SOLE   0 0 106,804
ISHARES TR IBONDS DEC22 ETF 46434VBA7 3,146 123,556 SH   SOLE   0 0 123,556
ISHARES TR IBONDS DEC25 ETF 46434VBD1 2,282 85,045 SH   SOLE   0 0 85,045
ISHARES TR IBONDS DEC24 ETF 46434VBG4 2,321 87,968 SH   SOLE   0 0 87,968
ISHARES TR IBONDS DEC21 ETF 46434VBK5 2,947 118,590 SH   SOLE   0 0 118,590
ISHARES TR IBONDS DEC2023 46435G318 2,877 109,951 SH   SOLE   0 0 109,951
ISHARES TR FALN ANGLS USD 46435G474 824 28,168 SH   SOLE   0 0 28,168
ISHARES TR ESG AW MSCI EAFE 46435G516 1,250 16,469 SH   SOLE   0 0 16,469
ISHARES TR IBONDS DEC2022 46435G755 3,369 127,917 SH   SOLE   0 0 127,917
ISHARES TR IBONDS DEC2021 46435G789 4,663 181,330 SH   SOLE   0 0 181,330
ISHARES TR IBONDS DEC2026 46435GAA0 2,088 79,214 SH   SOLE   0 0 79,214
ISHARES TR ESG MSCI LEADR 46435U218 3,387 48,888 SH   SOLE   0 0 48,888
ISHARES TR IBONDS DEC 26 46435U259 1,526 56,900 SH   SOLE   0 0 56,900
ISHARES TR IBONDS DEC 27 46435U283 1,257 46,647 SH   SOLE   0 0 46,647
ISHARES TR IBONDS DEC 28 46435U325 2,035 74,921 SH   SOLE   0 0 74,921
ISHARES TR IBONDS DEC 25 46435U432 850 30,439 SH   SOLE   0 0 30,439
ISHARES TR GBL GREEN ETF 46435U440 635 11,622 SH   SOLE   0 0 11,622
ISHARES TR IBDS DEC28 ETF 46435U515 772 27,256 SH   SOLE   0 0 27,256
ISHARES TR ESG AWR US AGRGT 46435U549 2,529 46,226 SH   SOLE   0 0 46,226
ISHARES TR ESG AWARE MSCI 46435U663 508 13,188 SH   SOLE   0 0 13,188
ISHARES TR IBONDS DEC 46435U697 1,439 53,311 SH   SOLE   0 0 53,311
ISHARES TR IBONDS 27 ETF 46435UAA9 1,005 37,603 SH   SOLE   0 0 37,603
ISHARES TR IBONDS DEC 29 46436E205 522 19,973 SH   SOLE   0 0 19,973
J P MORGAN EXCHANGE-TRADED F ULTRA SHT MUNCPL 46641Q654 68,916 1,350,242 SH   SOLE   0 0 1,350,242
J P MORGAN EXCHANGE-TRADED F ULTRA SHRT INC 46641Q837 45,089 888,363 SH   SOLE   0 0 888,363
KIRKLAND LAKE GOLD LTD COM 49741E100 362 10,712 SH   SOLE   0 0 10,712
MATTHEWS INTL CORP CL A 577128101 505 12,771 SH   SOLE   0 0 12,771
MERCK & CO. INC COM 58933Y105 2,101 27,252 SH   SOLE   0 0 27,252
MICROSOFT CORP COM 594918104 6,327 26,836 SH   SOLE   0 0 26,836
MONDELEZ INTL INC CL A 609207105 611 10,433 SH   SOLE   0 0 10,433
NEXTERA ENERGY INC COM 65339F101 2,325 30,751 SH   SOLE   0 0 30,751
NUVEEN AMT FREE QLTY MUN INC COM 670657105 2,942 198,535 SH   SOLE   0 0 198,535
NUVEEN QUALITY MUNCP INCOME COM 67066V101 4,201 277,446 SH   SOLE   0 0 277,446
NUVEEN MUN HIGH INCOME OPPOR COM 670682103 3,036 210,384 SH   SOLE   0 0 210,384
NUVEEN MUNICIPAL CREDIT INC COM SH BEN INT 67070X101 557 34,471 SH   SOLE   0 0 34,471
NUVEEN AMT FREE MUN CR INC F COM 67071L106 1,110 65,676 SH   SOLE   0 0 65,676
NUVEEN MUN VALUE FD INC COM 670928100 726 65,142 SH   SOLE   0 0 65,142
PG&E CORP COM 69331C108 352 30,038 SH   SOLE   0 0 30,038
PFIZER INC COM 717081103 532 14,692 SH   SOLE   0 0 14,692
PIONEER MUN HIGH INCOME ADVA COM 723762100 1,458 123,375 SH   SOLE   0 0 123,375
PIONEER MUN HIGH INCOME TR COM SHS 723763108 1,742 140,858 SH   SOLE   0 0 140,858
PROCTER AND GAMBLE CO COM 742718109 2,516 18,575 SH   SOLE   0 0 18,575
PROSHARES TR S&P 500 DV ARIST 74348A467 58,429 677,358 SH   SOLE   0 0 677,358
ROCKWELL AUTOMATION INC COM 773903109 9,345 35,204 SH   SOLE   0 0 35,204
SBA COMMUNICATIONS CORP NEW CL A 78410G104 3,222 11,607 SH   SOLE   0 0 11,607
SPDR S&P 500 ETF TR TR UNIT 78462F103 7,038 17,757 SH   SOLE   0 0 17,757
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 2,124 48,513 SH   SOLE   0 0 48,513
SPDR INDEX SHS FDS MSCI ACWI EXUS 78463X848 24,675 853,509 SH   SOLE   0 0 853,509
SPDR SER TR BLOMBRG BRC INTL 78464A151 5,859 163,514 SH   SOLE   0 0 163,514
SPDR SER TR PRTFLO S&P500 GW 78464A409 21,712 384,968 SH   SOLE   0 0 384,968
SPDR SER TR PRTFLO S&P500 VL 78464A508 505 13,333 SH   SOLE   0 0 13,333
SPDR SER TR S&P DIVID ETF 78464A763 8,195 69,430 SH   SOLE   0 0 69,430
SPDR SER TR NUVEEN BRC MUNIC 78468R721 20,532 397,453 SH   SOLE   0 0 397,453
SPDR SER TR NUVEEN BLMBRG SR 78468R739 3,025 61,042 SH   SOLE   0 0 61,042
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 50,028 517,300 SH   SOLE   0 0 517,300
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 48,961 377,263 SH   SOLE   0 0 377,263
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 27,882 427,118 SH   SOLE   0 0 427,118
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 5,112 68,678 SH   SOLE   0 0 68,678
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 1,151 11,551 SH   SOLE   0 0 11,551
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 1,781 56,040 SH   SOLE   0 0 56,040
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755 805 25,064 SH   SOLE   0 0 25,064
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 11,922 316,913 SH   SOLE   0 0 316,913
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 28,868 535,090 SH   SOLE   0 0 535,090
SCHWAB STRATEGIC TR US REIT ETF 808524847 613 14,927 SH   SOLE   0 0 14,927
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886 4,055 63,317 SH   SOLE   0 0 63,317
UNITED STS COMMODITY INDEX F COMM IDX FND 911717106 1,095 30,719 SH   SOLE   0 0 30,719
VANECK VECTORS ETF TR SHRT HGH YLD MUN 92189F387 2,247 89,792 SH   SOLE   0 0 89,792
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 65,681 446,569 SH   SOLE   0 0 446,569
VANGUARD STAR FDS VG TL INTL STK F 921909768 908 14,477 SH   SOLE   0 0 14,477
VANGUARD WORLD FD ESG US STK ETF 921910733 1,010 13,698 SH   SOLE   0 0 13,698
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 2,000 24,338 SH   SOLE   0 0 24,338
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 3,284 38,767 SH   SOLE   0 0 38,767
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 99,361 2,023,242 SH   SOLE   0 0 2,023,242
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 674 13,086 SH   SOLE   0 0 13,086
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 1,057 18,500 SH   SOLE   0 0 18,500
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 4,281 44,000 SH   SOLE   0 0 44,000
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 23,245 383,076 SH   SOLE   0 0 383,076
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 2,988 57,399 SH   SOLE   0 0 57,399
VANGUARD INTL EQUITY INDEX F FTSE PACIFIC ETF 922042866 1,514 18,535 SH   SOLE   0 0 18,535
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 8,644 137,214 SH   SOLE   0 0 137,214
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 987 11,967 SH   SOLE   0 0 11,967
VANGUARD SCOTTSDALE FDS LG-TERM COR BD 92206C813 2,191 21,641 SH   SOLE   0 0 21,641
VANGUARD SCOTTSDALE FDS LONG TERM TREAS 92206C847 3,130 37,805 SH   SOLE   0 0 37,805
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 6,251 67,198 SH   SOLE   0 0 67,198
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 56,626 1,036,342 SH   SOLE   0 0 1,036,342
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 96,829 265,796 SH   SOLE   0 0 265,796
VANGUARD INDEX FDS MID CAP ETF 922908629 2,238 10,111 SH   SOLE   0 0 10,111
VANGUARD INDEX FDS GROWTH ETF 922908736 4,153 16,156 SH   SOLE   0 0 16,156
VANGUARD INDEX FDS VALUE ETF 922908744 3,737 28,425 SH   SOLE   0 0 28,425
VANGUARD INDEX FDS TOTAL STK MKT 922908769 3,555 17,200 SH   SOLE   0 0 17,200
VERIZON COMMUNICATIONS INC COM 92343V104 669 11,499 SH   SOLE   0 0 11,499
WALGREENS BOOTS ALLIANCE INC COM 931427108 559 10,182 SH   SOLE   0 0 10,182
WHEATON PRECIOUS METALS CORP COM 962879102 454 11,888 SH   SOLE   0 0 11,888
WISDOMTREE TR US MIDCAP DIVID 97717W505 2,597 64,248 SH   SOLE   0 0 64,248