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
ETF MANAGERS TR PRIME CYBR SCRTY 26924G201 222 4,705 SH   SOLE 0 0 0 4,705
PFIZER INC COM 717081103 492 13,516 SH   SOLE 0 0 0 13,516
NETAPP INC COM 64110D104 271 6,314 SH   SOLE 0 0 0 6,314
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 12,695 469,663 SH   SOLE 0 0 0 469,663
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100 6,946 110,715 SH   SOLE 0 0 0 110,715
DISNEY WALT CO COM DISNEY 254687106 946 7,670 SH   SOLE 0 0 0 7,670
ACTIVISION BLIZZARD INC COM 00507V109 311 3,756 SH   SOLE 0 0 0 3,756
MASTERCARD INCORPORATED CL A 57636Q104 708 2,063 SH   SOLE 0 0 0 2,063
CAESARS ENTERTAINMENT INC NE COM 12769G100 208 3,636 SH   SOLE 0 0 0 3,636
SPDR S&P 500 ETF TR TR UNIT 78462F103 3,966 11,768 SH   SOLE 0 0 0 11,768
AMERICAN EXPRESS CO COM 025816109 475 4,690 SH   SOLE 0 0 0 4,690
COSTCO WHSL CORP NEW COM 22160K105 732 2,043 SH   SOLE 0 0 0 2,043
ISHARES TR TIPS BD ETF 464287176 18,881 149,778 SH   SOLE 0 0 0 149,778
XPO LOGISTICS INC COM 983793100 236 2,773 SH   SOLE 0 0 0 2,773
CVS HEALTH CORP COM 126650100 358 6,182 SH   SOLE 0 0 0 6,182
PRUDENTIAL FINL INC COM 744320102 368 5,799 SH   SOLE 0 0 0 5,799
ISHARES TR MSCI USA MIN VOL 46429B697 2,211 34,541 SH   SOLE 0 0 0 34,541
TARGET CORP COM 87612E106 944 5,955 SH   SOLE 0 0 0 5,955
QUALCOMM INC COM 747525103 447 3,738 SH   SOLE 0 0 0 3,738
ISHARES TR GNMA BOND ETF 46429B333 293 5,732 SH   SOLE 0 0 0 5,732
APPLE INC COM 037833100 4,583 39,241 SH   SOLE 0 0 0 39,241
AT&T INC COM 00206R102 460 16,145 SH   SOLE 0 0 0 16,145
AMAZON COM INC COM 023135106 3,044 945 SH   SOLE 0 0 0 945
SOUTHWEST AIRLS CO COM 844741108 441 11,618 SH   SOLE 0 0 0 11,618
ISHARES TR U.S. MED DVC ETF 464288810 2,705 9,051 SH   SOLE 0 0 0 9,051
PHILIP MORRIS INTL INC COM 718172109 401 5,403 SH   SOLE 0 0 0 5,403
MAGNA INTL INC COM 559222401 261 5,608 SH   SOLE 0 0 0 5,608
REALTY INCOME CORP COM 756109104 324 5,209 SH   SOLE 0 0 0 5,209
DELTA AIR LINES INC DEL COM NEW 247361702 601 19,316 SH   SOLE 0 0 0 19,316
PROCTER AND GAMBLE CO COM 742718109 757 5,437 SH   SOLE 0 0 0 5,437
BOEING CO COM 097023105 1,510 8,993 SH   SOLE 0 0 0 8,993
ENCOMPASS HEALTH CORP COM 29261A100 270 4,098 SH   SOLE 0 0 0 4,098
PIMCO ETF TR INV GRD CRP BD 72201R817 5,582 48,670 SH   SOLE 0 0 0 48,670
VANGUARD INDEX FDS GROWTH ETF 922908736 297 1,288 SH   SOLE 0 0 0 1,288
SCHWAB STRATEGIC TR INTRM TRM TRES 808524854 1,892 32,261 SH   SOLE 0 0 0 32,261
AMERIPRISE FINL INC COM 03076C106 368 2,369 SH   SOLE 0 0 0 2,369
LIFE STORAGE INC COM 53223X107 316 2,926 SH   SOLE 0 0 0 2,926
CONAGRA BRANDS INC COM 205887102 305 8,509 SH   SOLE 0 0 0 8,509
NIKE INC CL B 654106103 837 6,612 SH   SOLE 0 0 0 6,612
VANGUARD WORLD FDS CONSUM STP ETF 92204A207 6,950 42,276 SH   SOLE 0 0 0 42,276
INTEL CORP COM 458140100 206 3,946 SH   SOLE 0 0 0 3,946
US BANCORP DEL COM NEW 902973304 558 15,499 SH   SOLE 0 0 0 15,499
JANUS HENDERSON GROUP PLC ORD SHS G4474Y214 341 15,767 SH   SOLE 0 0 0 15,767
WALMART INC COM 931142103 783 5,474 SH   SOLE 0 0 0 5,474
ISHARES TR MSCI USA VALUE 46432F388 3,473 46,909 SH   SOLE 0 0 0 46,909
EXTRA SPACE STORAGE INC COM 30225T102 326 2,980 SH   SOLE 0 0 0 2,980
ISHARES INC ESG AWR MSCI EM 46434G863 5,141 142,805 SH   SOLE 0 0 0 142,805
INVESCO EXCH TRADED FD TR II SOLAR ETF 46138G706 628 9,343 SH   SOLE 0 0 0 9,343
ISHARES TR CORE S&P SCP ETF 464287804 3,505 49,207 SH   SOLE 0 0 0 49,207
ISHARES TR US TREAS BD ETF 46429B267 7,050 252,406 SH   SOLE 0 0 0 252,406
JPMORGAN CHASE & CO COM 46625H100 677 6,979 SH   SOLE 0 0 0 6,979
FEDEX CORP COM 31428X106 701 2,759 SH   SOLE 0 0 0 2,759
DAVITA INC COM 23918K108 295 3,565 SH   SOLE 0 0 0 3,565
DOW INC COM 260557103 360 7,804 SH   SOLE 0 0 0 7,804
COMCAST CORP NEW CL A 20030N101 267 5,740 SH   SOLE 0 0 0 5,740
SPDR SER TR S&P 600 SMCP GRW 78464A201 249 4,168 SH   SOLE 0 0 0 4,168
BRISTOL-MYERS SQUIBB CO COM 110122108 835 13,962 SH   SOLE 0 0 0 13,962
BRITISH AMERN TOB PLC SPONSORED ADR 110448107 297 8,434 SH   SOLE 0 0 0 8,434
ABBVIE INC COM 00287Y109 753 8,644 SH   SOLE 0 0 0 8,644
ENERGY TRANSFER LP COM UT LTD PTN 29273V100 69 12,738 SH   SOLE 0 0 0 12,738
ISHARES TR PFD AND INCM SEC 464288687 984 26,932 SH   SOLE 0 0 0 26,932
ONEOK INC NEW COM 682680103 266 10,545 SH   SOLE 0 0 0 10,545
ISHARES TR BARCLAYS 7 10 YR 464287440 31,062 255,000 SH   SOLE 0 0 0 255,000
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,033 4,872 SH   SOLE 0 0 0 4,872
VANGUARD INDEX FDS VALUE ETF 922908744 7,764 74,238 SH   SOLE 0 0 0 74,238
INVESCO EXCH TRADED FD TR II PFD ETF 46138E511 166 11,178 SH   SOLE 0 0 0 11,178
TERADATA CORP DEL COM 88076W103 354 15,910 SH   SOLE 0 0 0 15,910
CHARTER COMMUNICATIONS INC N CL A 16119P108 373 588 SH   SOLE 0 0 0 588
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 8,402 104,315 SH   SOLE 0 0 0 104,315
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 20,656 176,850 SH   SOLE 0 0 0 176,850
VISA INC COM CL A 92826C839 739 3,634 SH   SOLE 0 0 0 3,634
ISHARES TR IBOXX INV CP ETF 464287242 7,461 55,356 SH   SOLE 0 0 0 55,356
COCA COLA CONS INC COM 191098102 408 1,705 SH   SOLE 0 0 0 1,705
HASBRO INC COM 418056107 579 6,981 SH   SOLE 0 0 0 6,981
ISHARES TR U.S. FIN SVC ETF 464287770 1,761 14,305 SH   SOLE 0 0 0 14,305
PROSHARES TR II VIX SH TRM FUTRS 74347W171 239 11,669 SH   SOLE 0 0 0 11,669
ISHARES TR 3 7 YR TREAS BD 464288661 2,993 22,418 SH   SOLE 0 0 0 22,418
VANGUARD INDEX FDS SML CP GRW ETF 922908595 14,294 65,476 SH   SOLE 0 0 0 65,476
SPDR SER TR NUVEEN BRC MUNIC 78468R721 2,887 55,709 SH   SOLE 0 0 0 55,709
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 7,932 251,259 SH   SOLE 0 0 0 251,259
ELECTRONIC ARTS INC COM 285512109 472 3,557 SH   SOLE 0 0 0 3,557
MEDIFAST INC COM 58470H101 358 2,168 SH   SOLE 0 0 0 2,168
APOLLO GLOBAL MGMT INC COM CL A 03768E105 318 6,755 SH   SOLE 0 0 0 6,755
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504 6,736 33,107 SH   SOLE 0 0 0 33,107
PENN NATL GAMING INC COM 707569109 240 3,244 SH   SOLE 0 0 0 3,244
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 278 2,358 SH   SOLE 0 0 0 2,358
FACEBOOK INC CL A 30303M102 1,591 5,967 SH   SOLE 0 0 0 5,967
SALESFORCE COM INC COM 79466L302 1,656 6,534 SH   SOLE 0 0 0 6,534
ALTRIA GROUP INC COM 02209S103 316 8,110 SH   SOLE 0 0 0 8,110
PNC FINL SVCS GROUP INC COM 693475105 372 3,398 SH   SOLE 0 0 0 3,398
HOME DEPOT INC COM 437076102 649 2,338 SH   SOLE 0 0 0 2,338
ISHARES TR ESG AWR MSCI USA 46435G425 10,495 136,828 SH   SOLE 0 0 0 136,828
NETFLIX INC COM 64110L106 716 1,357 SH   SOLE 0 0 0 1,357
INVESCO QQQ TR UNIT SER 1 46090E103 14,576 51,643 SH   SOLE 0 0 0 51,643
AMGEN INC COM 031162100 402 1,574 SH   SOLE 0 0 0 1,574
TESLA INC COM 88160R101 4,912 10,961 SH   SOLE 0 0 0 10,961
UNITEDHEALTH GROUP INC COM 91324P102 299 955 SH   SOLE 0 0 0 955
INTERNATIONAL BUSINESS MACHS COM 459200101 359 2,964 SH   SOLE 0 0 0 2,964
VERIZON COMMUNICATIONS INC COM 92343V104 743 12,495 SH   SOLE 0 0 0 12,495
NVIDIA CORPORATION COM 67066G104 386 708 SH   SOLE 0 0 0 708
INTERNATIONAL PAPER CO COM 460146103 382 9,561 SH   SOLE 0 0 0 9,561
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 362 1,170 SH   SOLE 0 0 0 1,170
PAYCOM SOFTWARE INC COM 70432V102 490 1,528 SH   SOLE 0 0 0 1,528
STARBUCKS CORP COM 855244109 562 6,474 SH   SOLE 0 0 0 6,474
MICROSOFT CORP COM 594918104 2,450 11,533 SH   SOLE 0 0 0 11,533
ISHARES TR CORE MSCI EAFE 46432F842 3,163 52,139 SH   SOLE 0 0 0 52,139
ADOBE SYSTEMS INCORPORATED COM 00724F101 402 805 SH   SOLE 0 0 0 805
VANGUARD WORLD FDS COMM SRVC ETF 92204A884 7,024 67,827 SH   SOLE 0 0 0 67,827
VANGUARD WORLD FDS INF TECH ETF 92204A702 7,388 23,428 SH   SOLE 0 0 0 23,428
SPDR SER TR BLOMBERG INTL TR 78464A516 1,719 57,834 SH   SOLE 0 0 0 57,834
ISHARES U S ETF TR SHT MAT BD ETF 46431W507 833 16,630 SH   SOLE 0 0 0 16,630
VANGUARD SCOTTSDALE FDS LG-TERM COR BD 92206C813 1,195 11,164 SH   SOLE 0 0 0 11,164
JEFFERIES FINL GROUP INC COM 47233W109 348 19,284 SH   SOLE 0 0 0 19,284
PERSPECTA INC COM 715347100 257 13,292 SH   SOLE 0 0 0 13,292
STAR BULK CARRIERS CORP. SHS PAR Y8162K204 77 10,808 SH   SOLE 0 0 0 10,808
ALPHABET INC CAP STK CL A 02079K305 790 531 SH   SOLE 0 0 0 531
GOLDMAN SACHS GROUP INC COM 38141G104 404 2,037 SH   SOLE 0 0 0 2,037
APPLIED MATLS INC COM 038222105 343 5,648 SH   SOLE 0 0 0 5,648
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 14,035 321,763 SH   SOLE 0 0 0 321,763
ALPHABET INC CAP STK CL C 02079K107 1,547 1,038 SH   SOLE 0 0 0 1,038
MEDICAL PPTYS TRUST INC COM 58463J304 320 17,578 SH   SOLE 0 0 0 17,578
YOUNGEVITY INTL INC COM NEW 987537206 12 20,000 SH   SOLE 0 0 0 20,000
KROGER CO COM 501044101 328 9,635 SH   SOLE 0 0 0 9,635
DOCUSIGN INC COM 256163106 215 966 SH   SOLE 0 0 0 966
ISHARES TR 20 YR TR BD ETF 464287432 29,500 180,585 SH   SOLE 0 0 0 180,585
ISHARES TR ISHS 1-5YR INVS 464288646 3,060 55,803 SH   SOLE 0 0 0 55,803
HEWLETT PACKARD ENTERPRISE C COM 42824C109 302 32,692 SH   SOLE 0 0 0 32,692
BROADWAY FINL CORP DEL COM 111444105 46 27,173 SH   SOLE 0 0 0 27,173
VALERO ENERGY CORP COM 91913Y100 248 6,147 SH   SOLE 0 0 0 6,147
NOMURA HLDGS INC SPONSORED ADR 65535H208 297 64,904 SH   SOLE 0 0 0 64,904
LUMEN TECHNOLOGIES INC COM 156700106 448 44,996 SH   SOLE 0 0 0 44,996
ISHARES TR MSCI USA MMENTM 46432F396 14,316 95,921 SH   SOLE 0 0 0 95,921
BEST BUY INC COM 086516101 424 3,718 SH   SOLE 0 0 0 3,718
WHIRLPOOL CORP COM 963320106 432 2,358 SH   SOLE 0 0 0 2,358
ISHARES TR CORE S&P500 ETF 464287200 30,610 90,499 SH   SOLE 0 0 0 90,499
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 6,006 103,255 SH   SOLE 0 0 0 103,255
ALPHATEC HLDGS INC COM NEW 02081G201 686 107,650 SH   SOLE 0 0 0 107,650
BLACKROCK INC COM 09247X101 472 831 SH   SOLE 0 0 0 831
JAKKS PAC INC COM NEW 47012E403 59 15,269 SH   SOLE 0 0 0 15,269
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 3,292 60,592 SH   SOLE 0 0 0 60,592
ISHARES TR GLOBAL TECH ETF 464287291 3,286 12,321 SH   SOLE 0 0 0 12,321
ISHARES TR EAFE GRWTH ETF 464288885 7,621 83,978 SH   SOLE 0 0 0 83,978
LAM RESEARCH CORP COM 512807108 356 1,049 SH   SOLE 0 0 0 1,049
ZIONS BANCORPORATION N A COM 989701107 271 9,308 SH   SOLE 0 0 0 9,308
JOHNSON & JOHNSON COM 478160104 687 4,662 SH   SOLE 0 0 0 4,662
ISHARES TR 0-5YR HI YL CP 46434V407 2,137 48,779 SH   SOLE 0 0 0 48,779
SEAGATE TECHNOLOGY PLC SHS G7945M107 298 6,083 SH   SOLE 0 0 0 6,083
WYNDHAM DESTINATIONS INC COM 98310W108 280 8,933 SH   SOLE 0 0 0 8,933
VANGUARD INDEX FDS SM CP VAL ETF 922908611 5,097 45,552 SH   SOLE 0 0 0 45,552
CROWN CASTLE INTL CORP NEW COM 22822V101 338 2,009 SH   SOLE 0 0 0 2,009
MANPOWERGROUP INC COM 56418H100 299 4,124 SH   SOLE 0 0 0 4,124
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 7,447 50,016 SH   SOLE 0 0 0 50,016