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
WISDOMTREE TR CBOE S&P 500 97717X560 2,793 98,061 SH   SOLE   0 0 98,061
SILK ROAD MEDICAL INC COM 82710M100 475 11,771 SH   SOLE   0 0 11,771
ISHARES TR RUS 1000 GRW ETF 464287614 287 1,632 SH   SOLE   0 0 1,632
SPDR SERIES TRUST S&P 600 SMCP VAL 78464A300 6,199 94,333 SH   SOLE   0 0 94,333
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 13,795 398,137 SH   SOLE   0 0 398,137
INTEL CORP COM 458140100 447 7,469 SH   SOLE   0 0 7,469
INVESCO EXCHANGE TRADED FD T S&P500 EQL HLT 46137V332 3,703 16,720 SH   SOLE   0 0 16,720
EXXON MOBIL CORP COM 30231G102 489 7,001 SH   SOLE   0 0 7,001
ALPHABET INC CAP STK CL C 02079K107 278 208 SH   SOLE   0 0 208
GLOBAL X FDS S&P 500 COVERED 37954Y475 4,483 88,468 SH   SOLE   0 0 88,468
SPDR SERIES TRUST S&P 400 MDCP VAL 78464A839 15,429 281,652 SH   SOLE   0 0 281,652
CISCO SYS INC COM 17275R102 551 11,490 SH   SOLE   0 0 11,490
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 2,061 35,584 SH   SOLE   0 0 35,584
VANGUARD INDEX FDS TOTAL STK MKT 922908769 7,481 45,724 SH   SOLE   0 0 45,724
SPDR SERIES TRUST NUVEEN BRC MUNIC 78468R721 5,869 116,041 SH   SOLE   0 0 116,041
INVESCO EXCHNG TRADED FD TR EMRNG MKT SVRG 46138E784 499 16,869 SH   SOLE   0 0 16,869
ISHARES TR CORE MSCI TOTAL 46432F834 2,076 33,545 SH   SOLE   0 0 33,545
DBX ETF TR XTRACK MUN INFRA 233051705 1,861 66,136 SH   SOLE   0 0 66,136
CHEMED CORP NEW COM 16359R103 365 830 SH   SOLE   0 0 830
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 245 1,082 SH   SOLE   0 0 1,082
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 1,092 18,150 SH   SOLE   0 0 18,150
AON PLC SHS CL A G0408V102 597 2,868 SH   SOLE   0 0 2,868
SPDR SERIES TRUST PORTFOLIO LN TSR 78464A664 8,534 219,560 SH   SOLE   0 0 219,560
CLOVIS ONCOLOGY INC COM 189464100 159 15,235 SH   SOLE   0 0 15,235
AGILENT TECHNOLOGIES INC COM 00846U101 231 2,706 SH   SOLE   0 0 2,706
INVESCO EXCHANGE TRADED FD T S&P500 PUR GWT 46137V266 257 2,028 SH   SOLE   0 0 2,028
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 229 8,353 SH   SOLE   0 0 8,353
AURORA CANNABIS INC COM 05156X108 41 18,978 SH   SOLE   0 0 18,978
DISNEY WALT CO COM DISNEY 254687106 261 1,802 SH   SOLE   0 0 1,802
SCHWAB STRATEGIC TR INTRM TRM TRES 808524854 4,661 84,857 SH   SOLE   0 0 84,857
VERIZON COMMUNICATIONS INC COM 92343V104 357 5,813 SH   SOLE   0 0 5,813
ISHARES TR CORE US AGGBD ET 464287226 1,928 17,156 SH   SOLE   0 0 17,156
INVESCO EXCHANGE TRADED FD T S&P500 EQL IND 46137V324 214 1,581 SH   SOLE   0 0 1,581
BRISTOL MYERS SQUIBB CO COM 110122108 345 5,380 SH   SOLE   0 0 5,380
CINTAS CORP COM 172908105 233 866 SH   SOLE   0 0 866
SPDR SERIES TRUST NUVEEN BBG BRCLY 78464A284 2,445 41,439 SH   SOLE   0 0 41,439
SPDR SERIES TRUST MSCI USA STRTGIC 78468R812 1,361 14,371 SH   SOLE   0 0 14,371
AMAZON COM INC COM 023135106 754 408 SH   SOLE   0 0 408
SPDR SERIES TRUST NUVEEN BLMBRG SR 78468R739 2,216 45,116 SH   SOLE   0 0 45,116
SCHWAB STRATEGIC TR US TIPS ETF 808524870 2,869 50,656 SH   SOLE   0 0 50,656
BOEING CO COM 097023105 254 781 SH   SOLE   0 0 781
WISDOMTREE TR HEDGED HI YLD BD 97717W430 7,925 342,033 SH   SOLE   0 0 342,033
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763 10,400 258,454 SH   SOLE   0 0 258,454
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 33,313 623,497 SH   SOLE   0 0 623,497
QUIDEL CORP COM 74838J101 221 2,950 SH   SOLE   0 0 2,950
VANGUARD INDEX FDS GROWTH ETF 922908736 436 2,394 SH   SOLE   0 0 2,394
FRANCO NEVADA CORP COM 351858105 235 2,278 SH   SOLE   0 0 2,278
ISHARES TR GLOBAL 100 ETF 464287572 299 5,535 SH   SOLE   0 0 5,535
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 255 2,752 SH   SOLE   0 0 2,752
SPDR SERIES TRUST S&P 600 SMCP GRW 78464A201 4,343 67,311 SH   SOLE   0 0 67,311
INVESCO EXCHNG TRADED FD TR SR LN ETF 46138G508 1,056 46,296 SH   SOLE   0 0 46,296
MARRIOTT INTL INC NEW CL A 571903202 209 1,377 SH   SOLE   0 0 1,377
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 17,832 154,100 SH   SOLE   0 0 154,100
SPDR SERIES TRUST S&P 400 MDCP GRW 78464A821 22,018 385,675 SH   SOLE   0 0 385,675
PIMCO ETF TR INV GRD CRP BD 72201R817 6,573 59,778 SH   SOLE   0 0 59,778
PFIZER INC COM 717081103 381 9,727 SH   SOLE   0 0 9,727
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 1,579 20,870 SH   SOLE   0 0 20,870
ABBVIE INC COM 00287Y109 304 3,430 SH   SOLE   0 0 3,430
VERTEX PHARMACEUTICALS INC COM 92532F100 224 1,021 SH   SOLE   0 0 1,021
BANK AMER CORP COM 060505104 280 7,960 SH   SOLE   0 0 7,960
AXSOME THERAPEUTICS INC COM 05464T104 219 2,114 SH   SOLE   0 0 2,114
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 27,740 824,865 SH   SOLE   0 0 824,865
PROCTER & GAMBLE CO COM 742718109 254 2,034 SH   SOLE   0 0 2,034
JOHNSON & JOHNSON COM 478160104 904 6,194 SH   SOLE   0 0 6,194
INVESCO EXCHNG TRADED FD TR PFD ETF 46138E511 5,209 347,018 SH   SOLE   0 0 347,018
ISHARES INC CORE MSCI EMKT 46434G103 505 9,397 SH   SOLE   0 0 9,397
PEPSICO INC COM 713448108 205 1,503 SH   SOLE   0 0 1,503
COLONY CR REAL ESTATE INC COM CL A 19625T101 339 25,764 SH   SOLE   0 0 25,764
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 36,066 388,178 SH   SOLE   0 0 388,178
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 351 2,797 SH   SOLE   0 0 2,797
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 53,902 701,753 SH   SOLE   0 0 701,753
BIOGEN INC COM 09062X103 281 947 SH   SOLE   0 0 947
CVS HEALTH CORP COM 126650100 302 4,068 SH   SOLE   0 0 4,068
CHOICE HOTELS INTL INC COM 169905106 271 2,618 SH   SOLE   0 0 2,618
ISHARES TR NATIONAL MUN ETF 464288414 2,968 26,057 SH   SOLE   0 0 26,057
ISHARES TR INTRM GOV CR ETF 464288612 256 2,271 SH   SOLE   0 0 2,271
SPDR SERIES TRUST BLMBRG BRC CNVRT 78464A359 5,377 96,875 SH   SOLE   0 0 96,875
LOCKHEED MARTIN CORP COM 539830109 256 657 SH   SOLE   0 0 657
INDEXIQ ETF TR IQ MRGR ARB ETF 45409B800 436 13,131 SH   SOLE   0 0 13,131
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730 16,633 557,392 SH   SOLE   0 0 557,392
SPDR S&P 500 ETF TR TR UNIT 78462F103 428 1,328 SH   SOLE   0 0 1,328
INVESCO EXCHNG TRADED FD TR FNDMNTL HY CRP 46138E719 3,815 198,084 SH   SOLE   0 0 198,084
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 407 1,375 SH   SOLE   0 0 1,375
AT&T INC COM 00206R102 669 17,129 SH   SOLE   0 0 17,129
APPLE INC COM 037833100 1,700 5,789 SH   SOLE   0 0 5,789
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771 48,233 1,130,110 SH   SOLE   0 0 1,130,110