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
ABBOTT LABS COM 002824100 295 2,500 SH   SOLE   0 0 2,500
ABBVIE INC COM 00287Y109 270 2,500 SH   SOLE   0 0 2,500
ABRDN ETFS BBRG ALL COMD K1 003261104 1,145 40,775 SH   SOLE   0 0 40,775
ALPHABET INC CAP STK CL C 02079K107 216 81 SH   SOLE   0 0 81
ALPHABET INC CAP STK CL A 02079K305 342 128 SH   SOLE   0 0 128
AMAZON COM INC COM 023135106 457 139 SH   SOLE   0 0 139
APPLE INC COM 037833100 1,163 8,222 SH   SOLE   0 0 8,222
BK OF AMERICA CORP COM 060505104 867 20,414 SH   SOLE   0 0 20,414
BRISTOL-MYERS SQUIBB CO COM 110122108 357 6,039 SH   SOLE   0 0 6,039
CORMEDIX INC COM 21900C308 66 14,259 SH   SOLE   0 0 14,259
DBX ETF TR XTRACK USD HIGH 233051432 5,690 141,958 SH   SOLE   0 0 141,958
DOCUSIGN INC COM 256163106 212 825 SH   SOLE   0 0 825
FACEBOOK INC CL A 30303M102 388 1,142 SH   SOLE   0 0 1,142
GENUINE PARTS CO COM 372460105 205 1,688 SH   SOLE   0 0 1,688
GOLDMAN SACHS GROUP INC COM 38141G104 223 590 SH   SOLE   0 0 590
INVESCO EXCH TRADED FD TR II SR LN ETF 46138G508 646 29,195 SH   SOLE   0 0 29,195
INVESCO EXCH TRADED FD TR II EMRNG MKT SVRG 46138E784 354 13,275 SH   SOLE   0 0 13,275
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 5,243 34,995 SH   SOLE   0 0 34,995
ISHARES INC MSCI GBL MIN VOL 464286525 2,158 21,003 SH   SOLE   0 0 21,003
ISHARES INC CORE MSCI EMKT 46434G103 886 14,343 SH   SOLE   0 0 14,343
ISHARES TR MSCI EAFE MIN VL 46429B689 263 3,486 SH   SOLE   0 0 3,486
ISHARES TR JPMORGAN USD EMG 464288281 2,884 26,200 SH   SOLE   0 0 26,200
ISHARES TR MSCI USA MIN VOL 46429B697 1,551 21,101 SH   SOLE   0 0 21,101
ISHARES TR MBS ETF 464288588 225 2,085 SH   SOLE   0 0 2,085
J P MORGAN EXCHANGE-TRADED F ULTRA SHRT INC 46641Q837 629 12,408 SH   SOLE   0 0 12,408
JOHNSON & JOHNSON COM 478160104 545 3,375 SH   SOLE   0 0 3,375
JPMORGAN CHASE & CO COM 46625H100 556 3,400 SH   SOLE   0 0 3,400
LINCOLN ELEC HLDGS INC COM 533900106 232 1,800 SH   SOLE   0 0 1,800
MCDONALDS CORP COM 580135101 312 1,294 SH   SOLE   0 0 1,294
MICROSOFT CORP COM 594918104 715 2,537 SH   SOLE   0 0 2,537
MOODYS CORP COM 615369105 679 1,912 SH   SOLE   0 0 1,912
MORGAN STANLEY COM NEW 617446448 214 2,203 SH   SOLE   0 0 2,203
NVIDIA CORPORATION COM 67066G104 371 1,792 SH   SOLE   0 0 1,792
QUALCOMM INC COM 747525103 303 2,346 SH   SOLE   0 0 2,346
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 2,319 45,304 SH   SOLE   0 0 45,304
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 23,061 595,887 SH   SOLE   0 0 595,887
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 39,896 383,500 SH   SOLE   0 0 383,500
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 9,473 94,634 SH   SOLE   0 0 94,634
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 458 15,026 SH   SOLE   0 0 15,026
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 5,833 137,147 SH   SOLE   0 0 137,147
SPDR SER TR SSGA US LRG ETF 78468R804 1,698 12,728 SH   SOLE   0 0 12,728
SPDR SER TR PRTFLO S&P500 VL 78464A508 22,979 589,202 SH   SOLE   0 0 589,202
SPDR SER TR NUVEEN BLMBRG SR 78468R739 3,320 67,211 SH   SOLE   0 0 67,211
SPDR SER TR SPDR BLOOMBERG 78468R663 680 7,431 SH   SOLE   0 0 7,431
SPDR SER TR NUVEEN BBG BRCLY 78464A284 8,577 143,067 SH   SOLE   0 0 143,067
SPDR SER TR BLOMBRG BRC EMRG 78464A391 1,512 59,767 SH   SOLE   0 0 59,767
SPDR SER TR PRTFLO S&P500 GW 78464A409 27,764 433,682 SH   SOLE   0 0 433,682
SSGA ACTIVE ETF TR BLACKSTONE SENR 78467V608 240 5,224 SH   SOLE   0 0 5,224
TELADOC HEALTH INC COM 87918A105 270 2,129 SH   SOLE   0 0 2,129
VANECK ETF TRUST JP MRGAN EM LOC 92189H300 3,129 104,405 SH   SOLE   0 0 104,405
VANGUARD ADMIRAL FDS INC SMLCP 600 VAL 921932778 6,078 34,923 SH   SOLE   0 0 34,923
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 19,707 230,630 SH   SOLE   0 0 230,630
VANGUARD INDEX FDS VALUE ETF 922908744 3,059 22,597 SH   SOLE   0 0 22,597
VANGUARD INDEX FDS GROWTH ETF 922908736 247 851 SH   SOLE   0 0 851
VANGUARD INDEX FDS SML CP GRW ETF 922908595 1,059 3,779 SH   SOLE   0 0 3,779
VANGUARD INDEX FDS TOTAL STK MKT 922908769 320 1,440 SH   SOLE   0 0 1,440
VANGUARD INDEX FDS SM CP VAL ETF 922908611 1,027 6,068 SH   SOLE   0 0 6,068
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 9,140 182,759 SH   SOLE   0 0 182,759
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 3,007 57,193 SH   SOLE   0 0 57,193
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 19,962 364,478 SH   SOLE   0 0 364,478
VANGUARD SCOTTSDALE FDS VNG RUS2000GRW 92206C623 5,747 26,858 SH   SOLE   0 0 26,858
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 36,709 727,062 SH   SOLE   0 0 727,062
VANGUARD WHITEHALL FDS EMERG MKT BD ETF 921946885 1,904 24,323 SH   SOLE   0 0 24,323
VICTORY PORTFOLIOS II VCSHS INTL VOLTY 92647N840 1,185 26,897 SH   SOLE   0 0 26,897
WELLS FARGO CO NEW COM 949746101 203 4,375 SH   SOLE   0 0 4,375
WISDOMTREE TR EM LCL DEBT FD 97717X867 327 10,455 SH   SOLE   0 0 10,455