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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
VANECK VECTORS ETF TR SHORT MUNI ETF 92189F528   181 10,000 SH   SOLE   10,000 0 0
LOCKHEED MARTIN CORP COM 539830109   260 675 SH   SOLE   675 0 0
INVESCO EXCH TRADED FD TR II S&P MIDCP LOW 46138E198   294 7,086 SH   SOLE   7,086 0 0
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407   221 1,509 SH   SOLE   1,509 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   349 5,113 SH   SOLE   5,113 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   541 4,702 SH   SOLE   4,702 0 0
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   810 10,058 SH   SOLE   10,058 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   283 5,603 SH   SOLE   5,603 0 0
UNITED PARCEL SERVICE INC CL B 911312106   392 2,369 SH   SOLE   2,369 0 0
ISHARES TR TIPS BD ETF 464287176   6,102 48,305 SH   SOLE   48,305 0 0
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504   3,035 14,934 SH   SOLE   14,934 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   567 10,212 SH   SOLE   10,212 0 0
MCDONALDS CORP COM 580135101   412 1,875 SH   SOLE   1,875 0 0
VANGUARD WORLD FDS CONSUM STP ETF 92204A207   931 5,686 SH   SOLE   5,686 0 0
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   399 6,462 SH   SOLE   6,462 0 0
VANGUARD WORLD FD MEGA CAP INDEX 921910873   4,380 36,518 SH   SOLE   36,518 0 0
DISNEY WALT CO COM DISNEY 254687106   690 5,630 SH   SOLE   5,630 0 0
VANECK VECTORS ETF TR INTRMDT MUNI ETF 92189H201   397 7,738 SH   SOLE   7,738 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   7,356 88,909 SH   SOLE   88,909 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736   8,687 38,133 SH   SOLE   38,133 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   1,028 12,881 SH   SOLE   12,881 0 0
PAYCHEX INC COM 704326107   204 2,563 SH   SOLE   2,563 0 0
MICROSOFT CORP COM 594918104   2,381 11,347 SH   SOLE   11,347 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769   2,031 11,913 SH   SOLE   11,913 0 0
AT&T INC COM 00206R102   414 14,670 SH   SOLE   14,670 0 0
WISDOMTREE TR US SMALLCAP DIVD 97717W604   212 10,057 SH   SOLE   10,057 0 0
VANGUARD WORLD FDS FINANCIALS ETF 92204A405   1,217 20,779 SH   SOLE   20,779 0 0
PAYPAL HLDGS INC COM 70450Y103   308 1,560 SH   SOLE   1,560 0 0
WALMART INC COM 931142103   849 6,081 SH   SOLE   6,081 0 0
ALTRIA GROUP INC COM 02209S103   559 14,465 SH   SOLE   14,465 0 0
ISHARES TR CORE S&P500 ETF 464287200   8,605 25,604 SH   SOLE   25,604 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   226 2,860 SH   SOLE   2,860 0 0
ABBVIE INC COM 00287Y109   316 3,578 SH   SOLE   3,578 0 0
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   628 7,737 SH   SOLE   7,737 0 0
VANGUARD WORLD FDS INF TECH ETF 92204A702   1,560 5,002 SH   SOLE   5,002 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   215 3,861 SH   SOLE   3,861 0 0
VANGUARD WORLD FDS CONSUM DIS ETF 92204A108   858 3,643 SH   SOLE   3,643 0 0
BK OF AMERICA CORP COM 060505104   208 8,647 SH   SOLE   8,647 0 0
TRANE TECHNOLOGIES PLC SHS G8994E103   221 1,828 SH   SOLE   1,828 0 0
APPLE INC COM 037833100   4,293 37,066 SH   SOLE   37,066 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   859 9,746 SH   SOLE   9,746 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   233 692 SH   SOLE   692 0 0
PEPSICO INC COM 713448108   311 2,238 SH   SOLE   2,238 0 0
PIMCO ETF TR SHTRM MUN BD ACT 72201R874   254 4,961 SH   SOLE   4,961 0 0
ABBOTT LABS COM 002824100   222 2,045 SH   SOLE   2,045 0 0
CATERPILLAR INC DEL COM 149123101   336 2,251 SH   SOLE   2,251 0 0
VANGUARD WORLD FDS ENERGY ETF 92204A306   290 7,243 SH   SOLE   7,243 0 0
PHILIP MORRIS INTL INC COM 718172109   222 2,987 SH   SOLE   2,987 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751   4,387 28,574 SH   SOLE   28,574 0 0
VISA INC COM CL A 92826C839   1,435 7,177 SH   SOLE   7,177 0 0
AMAZON COM INC COM 023135106   1,200 383 SH   SOLE   383 0 0
FIRST TR EXCHANGE-TRADED FD FIRST TR ENH NEW 33739Q408   1,289 21,480 SH   SOLE   21,480 0 0
VANGUARD WORLD FDS UTILITIES ETF 92204A876   578 4,489 SH   SOLE   4,489 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   378 4,673 SH   SOLE   4,673 0 0
ISHARES TR CORE S&P SCP ETF 464287804   258 3,678 SH   SOLE   3,678 0 0
FLEXSHARES TR QUALT DIVD IDX 33939L860   390 8,713 SH   SOLE   8,713 0 0
INVESCO EXCH TRADED FD TR II NATL AMT MUNI 46138E537   767 28,832 SH   SOLE   28,832 0 0
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308   520 8,085 SH   SOLE   8,085 0 0
COCA COLA CO COM 191216100   369 7,530 SH   SOLE   7,530 0 0
ISHARES TR CORE HIGH DV ETF 46429B663   475 5,935 SH   SOLE   5,935 0 0
ISHARES TR US HLTHCARE ETF 464287762   549 2,410 SH   SOLE   2,410 0 0
EXXON MOBIL CORP COM 30231G102   314 9,075 SH   SOLE   9,075 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629   4,735 26,844 SH   SOLE   26,844 0 0
ISHARES TR CORE S&P MCP ETF 464287507   310 1,670 SH   SOLE   1,670 0 0
WELLTOWER INC COM 95040Q104   715 12,931 SH   SOLE   12,931 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   697 3,279 SH   SOLE   3,279 0 0
PROCTER AND GAMBLE CO COM 742718109   3,299 23,707 SH   SOLE   23,707 0 0
VANGUARD INDEX FDS SML CP GRW ETF 922908595   249 1,151 SH   SOLE   1,151 0 0
INTEL CORP COM 458140100   668 12,905 SH   SOLE   12,905 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   2,776 28,950 SH   SOLE   28,950 0 0
ISHARES TR NATIONAL MUN ETF 464288414   496 4,293 SH   SOLE   4,293 0 0
VERIZON COMMUNICATIONS INC COM 92343V104   1,531 25,810 SH   SOLE   25,810 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870   218 3,533 SH   SOLE   3,533 0 0
VANGUARD WORLD FD MEGA GRWTH IND 921910816   1,016 5,491 SH   SOLE   5,491 0 0
CLOROX CO DEL COM 189054109   383 1,826 SH   SOLE   1,826 0 0
ISHARES TR CORE MSCI TOTAL 46432F834   233 3,938 SH   SOLE   3,938 0 0
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354   1,399 26,038 SH   SOLE   26,038 0 0
VANGUARD WORLD FDS INDUSTRIAL ETF 92204A603   534 3,690 SH   SOLE   3,690 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   500 4,274 SH   SOLE   4,274 0 0
ISHARES TR U.S. CNSM GD ETF 464287812   205 1,368 SH   SOLE   1,368 0 0
BOEING CO COM 097023105   310 1,902 SH   SOLE   1,902 0 0
ALPHABET INC CAP STK CL A 02079K305   807 553 SH   SOLE   553 0 0
VANGUARD WORLD FDS MATERIALS ETF 92204A801   427 3,187 SH   SOLE   3,187 0 0
VANGUARD INDEX FDS VALUE ETF 922908744   2,709 25,905 SH   SOLE   25,905 0 0
ISHARES TR MICRO-CAP ETF 464288869   211 2,321 SH   SOLE   2,321 0 0
VANECK VECTORS ETF TR HIGH YLD MUN ETF 92189H409   379 6,339 SH   SOLE   6,339 0 0
CROWN CASTLE INTL CORP NEW COM 22822V101   718 4,312 SH   SOLE   4,312 0 0
JPMORGAN CHASE & CO COM 46625H100   421 4,387 SH   SOLE   4,387 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   14,509 112,841 SH   SOLE   112,841 0 0
CHEVRON CORP NEW COM 166764100   404 5,600 SH   SOLE   5,600 0 0
JOHNSON & JOHNSON COM 478160104   2,723 18,337 SH   SOLE   18,337 0 0
CIGNA CORP NEW COM 125523100   207 1,225 SH   SOLE   1,225 0 0
INVESCO QQQ TR UNIT SER 1 46090E103   2,857 10,268 SH   SOLE   10,268 0 0
AMGEN INC COM 031162100   247 968 SH   SOLE   968 0 0
VANGUARD WORLD FD MEGA CAP VAL ETF 921910840   833 10,806 SH   SOLE   10,806 0 0
ISHARES TR U.S. MED DVC ETF 464288810   1,629 5,498 SH   SOLE   5,498 0 0