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
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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
DISNEY WALT CO COM 254687106 208 1,180 SH   SOLE 0 0 0 1,180
PFIZER INC COM 717081103 219 5,943 SH   SOLE 0 0 0 5,943
J P MORGAN EXCHANGE-TRADED F ULTRA SHT MUNCPL 46641Q654 302 5,923 SH   SOLE 0 0 0 5,923
MASTERCARD INCORPORATED CL A 57636Q104 307 885 SH   SOLE 0 0 0 885
SPDR S&P 500 ETF TR TR UNIT 78462F103 567 1,493 SH   SOLE 0 0 0 1,493
BECTON DICKINSON & CO COM 075887109 263 1,000 SH   SOLE 0 0 0 1,000
SSGA ACTIVE ETF TR MULT ASS RLRTN 78467V103 2,975 116,487 SH   SOLE 0 0 0 116,487
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 291 5,982 SH   SOLE 0 0 0 5,982
COSTCO WHSL CORP NEW COM 22160K105 233 635 SH   SOLE 0 0 0 635
AMAZON COM INC COM 023135106 216 68 SH   SOLE 0 0 0 68
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763 430 9,415 SH   SOLE 0 0 0 9,415
AT&T INC COM 00206R102 763 26,683 SH   SOLE 0 0 0 26,683
APPLE INC COM 037833100 1,150 8,786 SH   SOLE 0 0 0 8,786
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 3,357 35,292 SH   SOLE 0 0 0 35,292
VANGUARD INDEX FDS GROWTH ETF 922908736 1,327 5,226 SH   SOLE 0 0 0 5,226
EDWARDS LIFESCIENCES CORP COM 28176E108 536 6,000 SH   SOLE 0 0 0 6,000
STRYKER CORPORATION COM 863667101 243 1,000 SH   SOLE 0 0 0 1,000
COMCAST CORP NEW CL A 20030N101 216 4,308 SH   SOLE 0 0 0 4,308
JPMORGAN CHASE & CO COM 46625H100 518 3,692 SH   SOLE 0 0 0 3,692
CISCO SYS INC COM 17275R102 341 7,516 SH   SOLE 0 0 0 7,516
ISHARES TR CORE S&P SCP ETF 464287804 14,370 145,177 SH   SOLE 0 0 0 145,177
BRISTOL-MYERS SQUIBB CO COM 110122108 258 3,992 SH   SOLE 0 0 0 3,992
EXXON MOBIL CORP COM 30231G102 343 7,081 SH   SOLE 0 0 0 7,081
ANALOG DEVICES INC COM 032654105 1,015 6,406 SH   SOLE 0 0 0 6,406
T ROWE PRICE ETF INC PRICE BLUE CHIP 87283Q107 1,128 40,287 SH   SOLE 0 0 0 40,287
EXACT SCIENCES CORP COM 30063P105 213 1,468 SH   SOLE 0 0 0 1,468
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 525 2,240 SH   SOLE 0 0 0 2,240
VISA INC COM CL A 92826C839 744 3,552 SH   SOLE 0 0 0 3,552
HERITAGE INS HLDGS INC COM 42727J102 301 29,368 SH   SOLE 0 0 0 29,368
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 17,954 139,300 SH   SOLE 0 0 0 139,300
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771 1,486 31,522 SH   SOLE 0 0 0 31,522
LILLY ELI & CO COM 532457108 233 1,258 SH   SOLE 0 0 0 1,258
INVESCO QQQ TR UNIT SER 1 46090E103 481 1,522 SH   SOLE 0 0 0 1,522
ECOLAB INC COM 278865100 241 1,109 SH   SOLE 0 0 0 1,109
VERIZON COMMUNICATIONS INC COM 92343V104 526 9,212 SH   SOLE 0 0 0 9,212
CSX CORP COM 126408103 243 2,567 SH   SOLE 0 0 0 2,567
ISHARES TR S&P 500 GRWT ETF 464287309 221 3,453 SH   SOLE 0 0 0 3,453
RAYTHEON TECHNOLOGIES CORP COM 75513E101 452 6,408 SH   SOLE 0 0 0 6,408
ISHARES TR CORE S&P MCP ETF 464287507 26,235 108,514 SH   SOLE 0 0 0 108,514
ISHARES TR RUS 1000 GRW ETF 464287614 343 1,416 SH   SOLE 0 0 0 1,416
MICROSOFT CORP COM 594918104 202 931 SH   SOLE 0 0 0 931
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 6,582 71,056 SH   SOLE 0 0 0 71,056
ANTHEM INC COM 036752103 311 941 SH   SOLE 0 0 0 941
SPDR SER TR PRTFLO S&P500 GW 78464A409 3,636 65,558 SH   SOLE 0 0 0 65,558
INTUIT COM 461202103 580 1,589 SH   SOLE 0 0 0 1,589
INVESCO EXCHANGE TRADED FD T S&P500 EQL ENR 46137V365 204 5,673 SH   SOLE 0 0 0 5,673
SPDR SER TR PRTFLO S&P500 VL 78464A508 10,094 285,137 SH   SOLE 0 0 0 285,137
ISHARES TR CORE S&P500 ETF 464287200 5,188 13,611 SH   SOLE 0 0 0 13,611
XILINX INC COM 983919101 256 1,814 SH   SOLE 0 0 0 1,814
JOHNSON & JOHNSON COM 478160104 254 1,607 SH   SOLE 0 0 0 1,607
PAYPAL HLDGS INC COM 70450Y103 788 3,218 SH   SOLE 0 0 0 3,218
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 15,232 213,596 SH   SOLE 0 0 0 213,596
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 8,772 143,012 SH   SOLE 0 0 0 143,012