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
ABBVIE INC COM 00287Y109 2,046 12,620 SH   SOLE   12,620 0 0
AFLAC INC COM 001055102 480 7,456 SH   SOLE   7,456 0 0
AMGEN INC COM 031162100 271 1,120 SH   SOLE   1,120 0 0
APPLE INC COM 037833100 1,223 7,006 SH   SOLE   7,006 0 0
ASTRAZENECA PLC SPONSORED ADR 046353108 1,669 25,159 SH   SOLE   25,159 0 0
AT&T INC COM 00206R102 1,637 69,288 SH   SOLE   69,288 0 0
BANK NEW YORK MELLON CORP COM 064058100 282 5,689 SH   SOLE   5,689 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108 376 5,126 SH   SOLE   5,126 0 0
C H ROBINSON WORLDWIDE INC COM NEW 12541W209 269 2,491 SH   SOLE   2,491 0 0
CARDINAL HEALTH INC COM 14149Y108 1,146 20,172 SH   SOLE   20,172 0 0
CHEVRON CORP NEW COM 166764100 594 3,647 SH   SOLE   3,647 0 0
CISCO SYS INC COM 17275R102 2,182 39,140 SH   SOLE   39,140 0 0
CITRIX SYS INC COM 177376100 297 2,940 SH   SOLE   2,940 0 0
COGNIZANT TECHNOLOGY SOLUTIO CL A 192446102 415 4,633 SH   SOLE   4,633 0 0
CVS HEALTH CORP COM 126650100 2,186 21,600 SH   SOLE   21,600 0 0
DBX ETF TR XTRACK HRVST CSI 233051879 556 16,793 SH   SOLE   16,793 0 0
DBX ETF TR XTRACK MSCI ALL 233051598 11,644 457,291 SH   SOLE   457,291 0 0
DBX ETF TR XTRACK MSCI EAFE 233051200 1,358 36,007 SH   SOLE   36,007 0 0
DBX ETF TR XTRACK MUN INFRA 233051705 283 10,650 SH   SOLE   10,650 0 0
DBX ETF TR XTRACK USD HIGH 233051432 2,729 72,356 SH   SOLE   72,356 0 0
DBX ETF TR XTRCK JP MRGN ES 233051713 4,844 258,208 SH   SOLE   258,208 0 0
DISCOVERY INC COM SER A 25470F104 216 8,651 SH   SOLE   8,651 0 0
DOMINION ENERGY INC COM 25746U109 242 2,847 SH   SOLE   2,847 0 0
DOW INC COM 260557103 1,473 23,110 SH   SOLE   23,110 0 0
EBAY INC. COM 278642103 247 4,309 SH   SOLE   4,309 0 0
EMERSON ELEC CO COM 291011104 330 3,367 SH   SOLE   3,367 0 0
EOG RES INC COM 26875P101 375 3,149 SH   SOLE   3,149 0 0
EXXON MOBIL CORP COM 30231G102 2,218 26,856 SH   SOLE   26,856 0 0
F5 INC COM 315616102 389 1,863 SH   SOLE   1,863 0 0
FIFTH THIRD BANCORP COM 316773100 1,239 28,761 SH   SOLE   28,761 0 0
FIRST REP BK SAN FRANCISCO C COM 33616C100 254 1,570 SH   SOLE   1,570 0 0
FIRST TR EXCHNG TRADED FD VI US EQT DEEP DUFR 33740F771 995 27,782 SH   SOLE   27,782 0 0
FLEXSHARES TR MORNSTAR UPSTR 33939L407 896 19,131 SH   SOLE   19,131 0 0
FRANKLIN TEMPLETON ETF TR FTSE UNTD KGDM 35473P678 1,370 54,132 SH   SOLE   54,132 0 0
GENERAL DYNAMICS CORP COM 369550108 2,108 8,742 SH   SOLE   8,742 0 0
GENERAL MLS INC COM 370334104 1,624 23,985 SH   SOLE   23,985 0 0
GLOBAL X FDS GLOBAL X URANIUM 37954Y871 998 38,159 SH   SOLE   38,159 0 0
GLOBAL X FDS RUSSELL 2000 37954Y459 708 29,733 SH   SOLE   29,733 0 0
GLOBAL X FDS S&P 500 COVERED 37954Y475 250 5,049 SH   SOLE   5,049 0 0
GLOBAL X FDS US PFD ETF 37954Y657 5,978 254,385 SH   SOLE   254,385 0 0
GLOBAL X FDS X EMERGING MKT 37954Y350 2,943 122,671 SH   SOLE   122,671 0 0
GRANITESHARES GOLD TR SHS BEN INT 38748G101 5,376 279,989 SH   SOLE   279,989 0 0
HUMANA INC COM 444859102 288 661 SH   SOLE   661 0 0
INDEXIQ ETF TR IQ MRGR ARB ETF 45409B800 432 13,531 SH   SOLE   13,531 0 0
INVESCO ACTIVLY MANGD ETC FD OPTIMUM YIELD 46090F100 845 47,898 SH   SOLE   47,898 0 0
INVESCO EXCH TRADED FD TR II NATL AMT MUNI 46138E537 491 19,710 SH   SOLE   19,710 0 0
INVESCO EXCH TRADED FD TR II SOLAR ETF 46138G706 823 10,904 SH   SOLE   10,904 0 0
INVESCO EXCHANGE TRADED FD T HIG YLD EQ DIV 46137V563 771 35,316 SH   SOLE   35,316 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 1,230 7,801 SH   SOLE   7,801 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 745 2,053 SH   SOLE   2,053 0 0
ISHARES INC CORE MSCI EMKT 46434G103 3,621 65,193 SH   SOLE   65,193 0 0
ISHARES INC GLB AGRIC PR ETF 464286350 803 16,886 SH   SOLE   16,886 0 0
ISHARES INC MSCI EMERG MRKT 464286533 666 10,913 SH   SOLE   10,913 0 0
ISHARES INC MSCI ISRAEL ETF 464286632 804 10,841 SH   SOLE   10,841 0 0
ISHARES TR 1 3 YR TREAS BD 464287457 1,814 21,766 SH   SOLE   21,766 0 0
ISHARES TR 20 YR TR BD ETF 464287432 1,816 13,751 SH   SOLE   13,751 0 0
ISHARES TR AGENCY BOND ETF 464288166 777 6,918 SH   SOLE   6,918 0 0
ISHARES TR BARCLAYS 7 10 YR 464287440 5,753 53,533 SH   SOLE   53,533 0 0
ISHARES TR CORE MSCI EAFE 46432F842 4,387 63,107 SH   SOLE   63,107 0 0
ISHARES TR CORE MSCI EURO 46434V738 775 14,513 SH   SOLE   14,513 0 0
ISHARES TR CORE MSCI INTL 46435G326 2,966 46,611 SH   SOLE   46,611 0 0
ISHARES TR CORE MSCI PAC 46434V696 3,580 58,778 SH   SOLE   58,778 0 0
ISHARES TR CORE S&P TTL STK 464287150 417 4,128 SH   SOLE   4,128 0 0
ISHARES TR CORE S&P US GWT 464287671 2,531 23,956 SH   SOLE   23,956 0 0
ISHARES TR CORE S&P US VLU 464287663 3,872 51,040 SH   SOLE   51,040 0 0
ISHARES TR CORE S&P500 ETF 464287200 873 1,923 SH   SOLE   1,923 0 0
ISHARES TR CORE TOTAL USD 46434V613 1,177 23,724 SH   SOLE   23,724 0 0
ISHARES TR CORE US AGGBD ET 464287226 8,827 82,416 SH   SOLE   82,416 0 0
ISHARES TR CR 5 10 YR ETF 46435G417 978 20,647 SH   SOLE   20,647 0 0
ISHARES TR EAFE SML CP ETF 464288273 794 11,970 SH   SOLE   11,970 0 0
ISHARES TR FLTG RATE NT ETF 46429B655 2,793 55,278 SH   SOLE   55,278 0 0
ISHARES TR IBOXX INV CP ETF 464287242 2,682 22,173 SH   SOLE   22,173 0 0
ISHARES TR JPMORGAN USD EMG 464288281 758 7,749 SH   SOLE   7,749 0 0
ISHARES TR LATN AMER 40 ETF 464287390 898 29,547 SH   SOLE   29,547 0 0
ISHARES TR MBS ETF 464288588 2,276 22,341 SH   SOLE   22,341 0 0
ISHARES TR MSCI ACWI ETF 464288257 2,196 22,008 SH   SOLE   22,008 0 0
ISHARES TR MSCI USA QLT FCT 46432F339 457 3,396 SH   SOLE   3,396 0 0
ISHARES TR NATIONAL MUN ETF 464288414 932 8,499 SH   SOLE   8,499 0 0
ISHARES TR RUS 1000 ETF 464287622 647 2,586 SH   SOLE   2,586 0 0
ISHARES TR RUS 1000 VAL ETF 464287598 1,286 7,745 SH   SOLE   7,745 0 0
ISHARES TR RUS 2000 VAL ETF 464287630 364 2,256 SH   SOLE   2,256 0 0
ISHARES TR S&P 100 ETF 464287101 4,566 21,897 SH   SOLE   21,897 0 0
ISHARES TR SELECT DIVID ETF 464287168 928 7,245 SH   SOLE   7,245 0 0
ISHARES TR SHORT TREAS BD 464288679 558 5,058 SH   SOLE   5,058 0 0
ISHARES TR SHRT NAT MUN ETF 464288158 616 5,885 SH   SOLE   5,885 0 0
ISHARES TR TIPS BD ETF 464287176 2,589 20,783 SH   SOLE   20,783 0 0
J P MORGAN EXCHANGE-TRADED F EQUITY PREMIUM 46641Q332 224 3,649 SH   SOLE   3,649 0 0
JOHNSON & JOHNSON COM 478160104 1,313 7,411 SH   SOLE   7,411 0 0
JPMORGAN CHASE & CO COM 46625H100 383 2,812 SH   SOLE   2,812 0 0
KIMBERLY-CLARK CORP COM 494368103 235 1,893 SH   SOLE   1,893 0 0
KINDER MORGAN INC DEL COM 49456B101 1,797 95,028 SH   SOLE   95,028 0 0
KRAFT HEINZ CO COM 500754106 1,851 46,999 SH   SOLE   46,999 0 0
LOUISIANA PAC CORP COM 546347105 249 4,013 SH   SOLE   4,013 0 0
MCKESSON CORP COM 58155Q103 317 1,034 SH   SOLE   1,034 0 0
MERCK & CO INC COM 58933Y105 1,597 19,428 SH   SOLE   19,428 0 0
NUCOR CORP COM 670346105 2,005 13,480 SH   SOLE   13,480 0 0
OMNICOM GROUP INC COM 681919106 2,046 24,054 SH   SOLE   24,054 0 0
ORACLE CORP COM 68389X105 323 3,901 SH   SOLE   3,901 0 0
PEPSICO INC COM 713448108 405 2,420 SH   SOLE   2,420 0 0
PFIZER INC COM 717081103 2,003 38,687 SH   SOLE   38,687 0 0
PIMCO ETF TR 1-5 US TIP IDX 72201R205 262 4,816 SH   SOLE   4,816 0 0
PIMCO ETF TR ENHNCD LW DUR AC 72201R718 2,063 21,154 SH   SOLE   21,154 0 0
PRINCIPAL FINANCIAL GROUP IN COM 74251V102 1,996 27,192 SH   SOLE   27,192 0 0
PROCTER AND GAMBLE CO COM 742718109 978 6,400 SH   SOLE   6,400 0 0
PUBLIC STORAGE COM 74460D109 1,201 3,079 SH   SOLE   3,079 0 0
QUALCOMM INC COM 747525103 937 6,131 SH   SOLE   6,131 0 0
REGENERON PHARMACEUTICALS COM 75886F107 233 333 SH   SOLE   333 0 0
SCHWAB STRATEGIC TR 1 5YR CORP BD 808524714 874 18,000 SH   SOLE   18,000 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 256 9,219 SH   SOLE   9,219 0 0
SCHWAB STRATEGIC TR INTERNL DIVID 808524672 5,331 207,612 SH   SOLE   207,612 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 5,939 161,731 SH   SOLE   161,731 0 0
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 2,568 67,625 SH   SOLE   67,625 0 0
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 2,158 30,233 SH   SOLE   30,233 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 6,597 122,500 SH   SOLE   122,500 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 859 11,329 SH   SOLE   11,329 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 982 20,732 SH   SOLE   20,732 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870 10,669 175,734 SH   SOLE   175,734 0 0
SELECT SECTOR SPDR TR FINANCIAL 81369Y605 582 15,191 SH   SOLE   15,191 0 0
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308 684 9,011 SH   SOLE   9,011 0 0
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 994 7,256 SH   SOLE   7,256 0 0
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704 758 7,359 SH   SOLE   7,359 0 0
SMUCKER J M CO COM NEW 832696405 1,767 13,049 SH   SOLE   13,049 0 0
SNAP ON INC COM 833034101 1,137 5,535 SH   SOLE   5,535 0 0
SOUTHERN CO COM 842587107 1,035 14,270 SH   SOLE   14,270 0 0
SPDR GOLD TR GOLD SHS 78463V107 1,055 5,841 SH   SOLE   5,841 0 0
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 3,376 87,358 SH   SOLE   87,358 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 478 1,059 SH   SOLE   1,059 0 0
SPDR SER TR PORTFLI HIGH YLD 78468R606 677 26,983 SH   SOLE   26,983 0 0
SPDR SER TR PORTFOLIO SHORT 78464A474 6,225 206,589 SH   SOLE   206,589 0 0
SSGA ACTIVE ETF TR SPDR TR TACTIC 78467V848 1,493 33,352 SH   SOLE   33,352 0 0
STATE STR CORP COM 857477103 1,535 17,590 SH   SOLE   17,590 0 0
STEEL DYNAMICS INC COM 858119100 425 5,080 SH   SOLE   5,080 0 0
TARGET CORP COM 87612E106 286 1,350 SH   SOLE   1,350 0 0
TOTALENERGIES SE SPONSORED ADS 89151E109 1,680 33,180 SH   SOLE   33,180 0 0
UNILEVER PLC SPON ADR NEW 904767704 1,300 28,527 SH   SOLE   28,527 0 0
VALERO ENERGY CORP COM 91913Y100 330 3,255 SH   SOLE   3,255 0 0
VANECK ETF TRUST BIOTECH ETF 92189F726 423 2,606 SH   SOLE   2,606 0 0
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 220 986 SH   SOLE   986 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 2,630 11,057 SH   SOLE   11,057 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 7,352 17,709 SH   SOLE   17,709 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611 7,110 40,412 SH   SOLE   40,412 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 1,951 9,180 SH   SOLE   9,180 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 4,932 21,663 SH   SOLE   21,663 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 1,563 10,578 SH   SOLE   10,578 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 5,174 112,168 SH   SOLE   112,168 0 0
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 4,075 32,892 SH   SOLE   32,892 0 0
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 2,339 23,093 SH   SOLE   23,093 0 0
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 1,590 31,057 SH   SOLE   31,057 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 1,997 38,731 SH   SOLE   38,731 0 0
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 234 3,718 SH   SOLE   3,718 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 5,326 61,902 SH   SOLE   61,902 0 0
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771 4,562 91,065 SH   SOLE   91,065 0 0
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 461 7,776 SH   SOLE   7,776 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 1,619 20,730 SH   SOLE   20,730 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768 335 5,600 SH   SOLE   5,600 0 0
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 3,469 72,233 SH   SOLE   72,233 0 0
VANGUARD WHITEHALL FDS EMERG MKT BD ETF 921946885 1,042 14,910 SH   SOLE   14,910 0 0
VICI PPTYS INC COM 925652109 1,194 41,882 SH   SOLE   41,882 0 0
VMWARE INC CL A COM 928563402 308 2,701 SH   SOLE   2,701 0 0
WALMART INC COM 931142103 281 1,880 SH   SOLE   1,880 0 0
WELLS FARGO CO NEW COM 949746101 1,812 37,395 SH   SOLE   37,395 0 0
WISDOMTREE TR EM LCL DEBT FD 97717X867 359 12,844 SH   SOLE   12,844 0 0
WISDOMTREE TR EMG MKTS SMCAP 97717W281 1,119 20,987 SH   SOLE   20,987 0 0
WORLD GOLD TR SPDR GLD MINIS 98149E303 782 20,333 SH   SOLE   20,333 0 0