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
ALPHABET INC CAP STK CL C 02079K107   1,228,282 6,697 SH   SOLE   0 0 6,697
ALPHABET INC CAP STK CL A 02079K305   617,444 3,390 SH   SOLE   0 0 3,390
AMGEN INC COM 031162100   317,786 1,017 SH   SOLE   0 0 1,017
APPLE INC COM 037833100   8,238,984 39,118 SH   SOLE   0 0 39,118
ARBUTUS BIOPHARMA CORP COM 03879J100   61,800 20,000 SH   SOLE   0 0 20,000
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   476,770 1,172 SH   SOLE   0 0 1,172
BLACKROCK FLOATING RATE INCO COM 09255X100   942,702 72,852 SH   SOLE   0 0 72,852
BROADCOM INC COM 11135F101   1,052,117 655 SH   SOLE   0 0 655
CHEVRON CORP NEW COM 166764100   591,552 3,782 SH   SOLE   0 0 3,782
COSTCO WHSL CORP NEW COM 22160K105   246,828 290 SH   SOLE   0 0 290
CUMMINS INC COM 231021106   1,111,384 4,013 SH   SOLE   0 0 4,013
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724   408,149 10,393 SH   SOLE   0 0 10,393
ENTERPRISE PRODS PARTNERS L COM 293792107   204,324 7,051 SH   SOLE   0 0 7,051
GRANITESHARES GOLD TR SHS BEN INT 38748G101   1,790,306 77,975 SH   SOLE   0 0 77,975
HOLOGIC INC COM 436440101   280,071 3,772 SH   SOLE   0 0 3,772
INTERNATIONAL BUSINESS MACHS COM 459200101   933,499 5,398 SH   SOLE   0 0 5,398
INTUITIVE SURGICAL INC COM NEW 46120E602   293,601 660 SH   SOLE   0 0 660
INVESCO EXCH TRADED FD TR II VAR RATE PFD 46138G870   891,041 37,189 SH   SOLE   0 0 37,189
INVESCO EXCH TRADED FD TR II NY AMT FRE MUN 46138E529   365,695 15,927 SH   SOLE   0 0 15,927
INVESCO EXCH TRADED FD TR II PFD ETF 46138E511   3,012,590 260,830 SH   SOLE   0 0 260,830
INVESCO EXCH TRD SLF IDX FD BULSHS 2027 CB 46138J783   441,155 22,953 SH   SOLE   0 0 22,953
INVESCO EXCH TRD SLF IDX FD BULETSHS 2029 46138J577   228,698 12,594 SH   SOLE   0 0 12,594
INVESCO EXCH TRD SLF IDX FD BULSHS 2025 CB 46138J825   612,361 29,944 SH   SOLE   0 0 29,944
INVESCO EXCH TRD SLF IDX FD BULSHS 2024 CB 46138J841   591,711 28,096 SH   SOLE   0 0 28,096
INVESCO EXCH TRD SLF IDX FD INVSCO 30 CORP 46138J460   189,044 11,626 SH   SOLE   0 0 11,626
INVESCO EXCH TRD SLF IDX FD BULSHS 2026 CB 46138J791   446,437 23,282 SH   SOLE   0 0 23,282
INVESCO EXCH TRD SLF IDX FD INVSCO BLSH 28 46138J643   794,871 39,843 SH   SOLE   0 0 39,843
INVESCO EXCH TRD SLF IDX FD BULETSHS 2031 CP 46138J429   191,321 11,995 SH   SOLE   0 0 11,995
INVESCO QQQ TR UNIT SER 1 46090E103   1,183,312 2,470 SH   SOLE   0 0 2,470
ISHARES GOLD TR ISHARES NEW 464285204   5,585,700 127,150 SH   SOLE   0 0 127,150
ISHARES INC MSCI EMRG CHN 46434G764   2,710,872 45,792 SH   SOLE   0 0 45,792
ISHARES TR ESG AWARE MSCI 46435U663   205,932 5,349 SH   SOLE   0 0 5,349
ISHARES TR FLTG RATE NT ETF 46429B655   1,693,610 33,150 SH   SOLE   0 0 33,150
ISHARES TR SELECT DIVID ETF 464287168   786,890 6,504 SH   SOLE   0 0 6,504
ISHARES TR CONV BD ETF 46435G102   4,904,054 62,369 SH   SOLE   0 0 62,369
ISHARES TR IBONDS DEC 25 46435U432   508,131 19,186 SH   SOLE   0 0 19,186
ISHARES TR IBONDS DEC2026 46435GAA0   339,223 14,241 SH   SOLE   0 0 14,241
ISHARES TR IBONDS DEC 26 46435U259   512,006 20,221 SH   SOLE   0 0 20,221
ISHARES TR IBONDS DEC 27 46435U283   332,764 13,305 SH   SOLE   0 0 13,305
ISHARES TR CORE HIGH DV ETF 46429B663   204,193 1,879 SH   SOLE   0 0 1,879
ISHARES TR NATIONAL MUN ETF 464288414   3,585,848 33,654 SH   SOLE   0 0 33,654
ISHARES TR NEW YORK MUN ETF 464288323   859,886 16,106 SH   SOLE   0 0 16,106
ISHARES TR RUS 1000 ETF 464287622   1,026,130 3,449 SH   SOLE   0 0 3,449
ISHARES TR RUSSELL 2000 ETF 464287655   319,229 1,573 SH   SOLE   0 0 1,573
ISHARES TR SHRT NAT MUN ETF 464288158   861,301 8,238 SH   SOLE   0 0 8,238
ISHARES TR PFD AND INCM SEC 464288687   4,441,487 140,776 SH   SOLE   0 0 140,776
LISTED FD TR OVERLAY 53656F581   397,703 12,384 SH   SOLE   0 0 12,384
MATTHEWS ASIA FDS EMERGING MARKETS 577125792   1,745,811 57,684 SH   SOLE   0 0 57,684
MCKESSON CORP COM 58155Q103   369,886 633 SH   SOLE   0 0 633
MEDTRONIC PLC SHS G5960L103   748,926 9,515 SH   SOLE   0 0 9,515
MERCK & CO INC COM 58933Y105   209,125 1,689 SH   SOLE   0 0 1,689
MICROSOFT CORP COM 594918104   2,391,682 5,351 SH   SOLE   0 0 5,351
NEXTERA ENERGY INC COM 65339F101   381,615 5,389 SH   SOLE   0 0 5,389
NUVEEN FLOATING RATE INCOME COM 67072T108   1,810,414 209,296 SH   SOLE   0 0 209,296
NVIDIA CORPORATION COM 67066G104   2,331,728 18,874 SH   SOLE   0 0 18,874
PROCTER AND GAMBLE CO COM 742718109   206,937 1,255 SH   SOLE   0 0 1,255
SCHWAB STRATEGIC TR 1 5YR CORP BD 808524714   4,027,836 83,427 SH   SOLE   0 0 83,427
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   976,276 36,757 SH   SOLE   0 0 36,757
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   2,245,769 58,453 SH   SOLE   0 0 58,453
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854   219,266 4,496 SH   SOLE   0 0 4,496
SCHWAB STRATEGIC TR MUN BD ETF 808524649   357,847 6,962 SH   SOLE   0 0 6,962
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   932,136 19,645 SH   SOLE   0 0 19,645
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   4,859,216 100,960 SH   SOLE   0 0 100,960
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   2,190,328 48,055 SH   SOLE   0 0 48,055
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   530,980 8,446 SH   SOLE   0 0 8,446
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   15,153,526 194,876 SH   SOLE   0 0 194,876
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   2,197,656 21,793 SH   SOLE   0 0 21,793
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   332,026 4,482 SH   SOLE   0 0 4,482
SCHWAB STRATEGIC TR US REIT ETF 808524847   828,112 41,468 SH   SOLE   0 0 41,468
SCHWAB STRATEGIC TR US TIPS ETF 808524870   1,924,292 36,999 SH   SOLE   0 0 36,999
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886   551,660 8,096 SH   SOLE   0 0 8,096
SPDR GOLD TR GOLD SHS 78463V107   209,850 976 SH   SOLE   0 0 976
SPDR INDEX SHS FDS S&P INTL ETF 78463X772   2,362,452 68,616 SH   SOLE   0 0 68,616
SPDR SER TR S&P 600 SMCP GRW 78464A201   8,743,203 101,831 SH   SOLE   0 0 101,831
SPDR SER TR S&P 600 SMCP VAL 78464A300   5,138,729 65,620 SH   SOLE   0 0 65,620
SPDR SER TR BBG CONV SEC ETF 78464A359   1,048,547 14,551 SH   SOLE   0 0 14,551
SPDR SER TR NUVEEN BLMBRG SH 78468R739   2,139,748 45,343 SH   SOLE   0 0 45,343
SPDR SER TR BLOOMBERG SHT TE 78468R408   362,385 14,513 SH   SOLE   0 0 14,513
STRATEGY SHS NS 7HANDL IDX 86280R506   9,245,766 437,773 SH   SOLE   0 0 437,773
UNITED PARCEL SERVICE INC CL B 911312106   356,613 2,606 SH   SOLE   0 0 2,606
VANECK ETF TRUST SHRT HGH YLD MUN 92189F387   1,582,281 70,732 SH   SOLE   0 0 70,732
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   276,281 3,602 SH   SOLE   0 0 3,602
VANGUARD INDEX FDS SML CP GRW ETF 922908595   1,664,580 6,655 SH   SOLE   0 0 6,655
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   341,824 4,277 SH   SOLE   0 0 4,277
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   9,094,029 49,817 SH   SOLE   0 0 49,817
VANGUARD WELLINGTON FD SHORT TRM TAX EX 921935870   4,324,814 43,218 SH   SOLE   0 0 43,218
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   1,043,147 8,796 SH   SOLE   0 0 8,796
VANGUARD WORLD FD ESG US STK ETF 921910733   260,985 2,701 SH   SOLE   0 0 2,701
WALMART INC COM 931142103   651,671 9,624 SH   SOLE   0 0 9,624
WASTE MGMT INC DEL COM 94106L109   714,972 3,351 SH   SOLE   0 0 3,351
WISDOMTREE TR US SMALLCAP DIVD 97717W604   3,337,357 107,138 SH   SOLE   0 0 107,138
WISDOMTREE TR EMER MKT HIGH FD 97717W315   1,598,552 36,910 SH   SOLE   0 0 36,910