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
Expires: July 31, 2015
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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
ISHARES TR JPMORGAN USD EMG 464288281 305,975 3,304 SH SOLE 3,304 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 3,998,659 142,555 SH SOLE 142,555 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 3,492,493 115,876 SH SOLE 115,876 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 7,675,522 303,380 SH SOLE 303,380 0 0
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 1,850,980 13,885 SH SOLE 13,885 0 0
CALAMOS CONV OPPORTUNITIES & SH BEN INT 128117108 2,869,975 272,811 SH SOLE 272,811 0 0
ISHARES INC MSCI CDA ETF 464286509 306,814 6,641 SH SOLE 6,641 0 0
ISHARES TR US INFRASTRUC 46435U713 856,135 17,405 SH SOLE 17,405 0 0
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 1,264,099 45,685 SH SOLE 45,685 0 0
SPDR GOLD TR GOLD SHS 78463V107 2,543,148 8,343 SH SOLE 8,343 0 0
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886 1,078,066 13,202 SH SOLE 13,202 0 0
VANECK ETF TRUST MORNINGSTAR SMID 92189H730 2,272,049 65,289 SH SOLE 65,289 0 0
CAPITAL GROUP CORE BALANCED SHS 14021D107 416,545 12,456 SH SOLE 12,456 0 0
ISHARES TR ISHARES BIOTECH 464287556 486,392 3,845 SH SOLE 3,845 0 0
VANGUARD WHITEHALL FDS EM MK GOV BD ETF 921946885 622,386 9,524 SH SOLE 9,524 0 0
ISHARES TR INTL SEL DIV ETF 464288448 771,000 22,341 SH SOLE 22,341 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 11,614,157 525,527 SH SOLE 525,527 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 7,103,384 298,086 SH SOLE 298,086 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 6,724,525 32,855 SH SOLE 32,855 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 3,051,445 61,695 SH SOLE 61,695 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611 5,490,153 28,153 SH SOLE 28,153 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 1,393,519 18,926 SH SOLE 18,926 0 0
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 1,412,182 28,523 SH SOLE 28,523 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 4,520,940 184,981 SH SOLE 184,981 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 7,486,814 26,755 SH SOLE 26,755 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 6,658,241 116,791 SH SOLE 116,791 0 0
ISHARES TR GLOBAL 100 ETF 464287572 1,449,074 13,441 SH SOLE 13,441 0 0
VANECK ETF TRUST MRNGSTR WDE MOAT 92189F643 2,760,666 29,435 SH SOLE 29,435 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 1,218,962 15,333 SH SOLE 15,333 0 0
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 1,819,095 14,154 SH SOLE 14,154 0 0
ISHARES TR EAFE SML CP ETF 464288273 3,117,110 42,888 SH SOLE 42,888 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 3,426,456 50,974 SH SOLE 50,974 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 6,680,405 28,190 SH SOLE 28,190 0 0
VANGUARD WORLD FD HEALTH CAR ETF 92204A504 486,204 1,958 SH SOLE 1,958 0 0
FIRST TR EXCHANGE TRADED FD RBA INDL ETF 33738R704 1,522,267 18,701 SH SOLE 18,701 0 0
FS KKR CAP CORP COM 302635206 216,672 10,442 SH SOLE 10,442 0 0
INVESCO EXCHANGE TRADED FD T DJ INDL AVG DV 46137V605 212,760 4,000 SH SOLE 4,000 0 0
ISHARES INC GLB ENR PROD ETF 464286343 592,875 25,000 SH SOLE 25,000 0 0
ISHARES TR MSCI UK ETF NEW 46435G334 948,204 23,872 SH SOLE 23,872 0 0
EXCHANGE TRADED CONCEPTS TRU ROBO GLB ETF 301505707 425,010 7,110 SH SOLE 7,110 0 0
SELECT SECTOR SPDR TR ENERGY 81369Y506 435,160 5,131 SH SOLE 5,131 0 0
NVIDIA CORPORATION COM 67066G104 2,407,927 15,241 SH SOLE 15,241 0 0
SELECT SECTOR SPDR TR RL EST SEL SEC 81369Y860 697,209 16,833 SH SOLE 16,833 0 0
VANGUARD INDEX FDS SML CP GRW ETF 922908595 2,098,925 7,579 SH SOLE 7,579 0 0
INVESCO MUNI INCOME OPP TRST COM 46132X101 85,629 14,892 SH SOLE 14,892 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 2,957,336 33,206 SH SOLE 33,206 0 0
VANECK ETF TRUST MRNGSTR INT MOAT 92189F593 484,767 13,982 SH SOLE 13,982 0 0
AMPLIFY ETF TR AMPLIFY ETHO CLI 032108557 368,658 6,342 SH SOLE 6,342 0 0
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 936,451 21,988 SH SOLE 21,988 0 0
ISHARES TR ESG MSCI KLD 400 464288570 2,870,078 24,708 SH SOLE 24,708 0 0
ISHARES TR ESG OPTIMIZED 464288802 236,896 1,869 SH SOLE 1,869 0 0
PROSHARES TR RUSS 2000 DIVD 74347B698 356,859 5,485 SH SOLE 5,485 0 0
ISHARES TR MSCI USA MIN VOL 46429B697 1,561,321 16,633 SH SOLE 16,633 0 0
PUBLIC STORAGE OPER CO COM 74460D109 369,709 1,260 SH SOLE 1,260 0 0
CHEVRON CORP NEW COM 166764100 1,261,933 8,813 SH SOLE 8,813 0 0
NEXTERA ENERGY INC COM 65339F101 479,276 6,904 SH SOLE 6,904 0 0
PROCTER AND GAMBLE CO COM 742718109 611,311 3,837 SH SOLE 3,837 0 0
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354 498,234 6,842 SH SOLE 6,842 0 0
VANGUARD WORLD FD MEGA CAP VAL ETF 921910840 727,373 5,544 SH SOLE 5,544 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768 1,663,993 24,084 SH SOLE 24,084 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 3,390,358 11,155 SH SOLE 11,155 0 0
SPDR INDEX SHS FDS S&P INTL ETF 78463X772 279,908 6,641 SH SOLE 6,641 0 0
SPDR SERIES TRUST S&P DIVID ETF 78464A763 420,135 3,095 SH SOLE 3,095 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 601,719 974 SH SOLE 974 0 0
ISHARES INC MSCI GBL MIN VOL 464286525 3,816,648 32,189 SH SOLE 32,189 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 609,968 1,106 SH SOLE 1,106 0 0
STARBUCKS CORP COM 855244109 434,726 4,744 SH SOLE 4,744 0 0
TARGET CORP COM 87612E106 212,503 2,154 SH SOLE 2,154 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 1,885,574 10,375 SH SOLE 10,375 0 0
SCHWAB STRATEGIC TR FUNDAMENTAL EMER 808524730 936,721 28,377 SH SOLE 28,377 0 0
SPDR SERIES TRUST RUSSELL YIELD 78468R770 612,856 5,661 SH SOLE 5,661 0 0
WELLS FARGO CO NEW COM 949746101 764,104 9,537 SH SOLE 9,537 0 0
FIRST TR EXCH TRADED FD III PFD SECS INC ETF 33739E108 602,685 33,859 SH SOLE 33,859 0 0
APPLE INC COM 037833100 7,657,469 37,323 SH SOLE 37,323 0 0
JPMORGAN CHASE & CO. COM 46625H100 945,976 3,263 SH SOLE 3,263 0 0
LINDE PLC SHS G54950103 394,580 841 SH SOLE 841 0 0
ISHARES TR MSCI EAFE ETF 464287465 504,047 5,639 SH SOLE 5,639 0 0
PEPSICO INC COM 713448108 408,583 3,094 SH SOLE 3,094 0 0
VANECK ETF TRUST FALLEN ANGEL HG 92189F437 1,122,173 38,326 SH SOLE 38,326 0 0
ABBOTT LABS COM 002824100 312,007 2,294 SH SOLE 2,294 0 0
FIRST TR EXCHANGE TRADED FD DJ GLBL DIVID 33734X200 3,154,500 114,542 SH SOLE 114,542 0 0
SCHWAB STRATEGIC TR FUNDAMENTAL US S 808524763 391,719 13,673 SH SOLE 13,673 0 0
SPDR INDEX SHS FDS EURO STOXX 50 78463X202 570,973 9,559 SH SOLE 9,559 0 0
CATERPILLAR INC COM 149123101 1,079,589 2,781 SH SOLE 2,781 0 0
CISCO SYS INC COM 17275R102 790,169 11,389 SH SOLE 11,389 0 0
DEERE & CO COM 244199105 537,474 1,057 SH SOLE 1,057 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 1,001,318 3,397 SH SOLE 3,397 0 0
ISHARES INC MSCI MEXICO ETF 464286822 386,433 6,381 SH SOLE 6,381 0 0
MICROSOFT CORP COM 594918104 2,957,103 5,945 SH SOLE 5,945 0 0
ORACLE CORP COM 68389X105 657,858 3,009 SH SOLE 3,009 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 435,456 993 SH SOLE 993 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 989,238 5,597 SH SOLE 5,597 0 0
ALPHABET INC CAP STK CL A 02079K305 996,993 5,657 SH SOLE 5,657 0 0
AMAZON COM INC COM 023135106 2,124,792 9,685 SH SOLE 9,685 0 0
BROADCOM INC COM 11135F101 808,841 2,934 SH SOLE 2,934 0 0
META PLATFORMS INC CL A 30303M102 525,631 712 SH SOLE 712 0 0
HOME DEPOT INC COM 437076102 472,369 1,288 SH SOLE 1,288 0 0
SCHWAB STRATEGIC TR FUNDAMENTAL INTL 808524755 1,320,414 32,994 SH SOLE 32,994 0 0
SCHWAB STRATEGIC TR FUNDAMENTAL INTL 808524748 481,324 11,446 SH SOLE 11,446 0 0
SCHWAB STRATEGIC TR FUNDAMENTAL US L 808524771 274,897 11,202 SH SOLE 11,202 0 0
VANECK ETF TRUST PREFERRED SECURT 92189F429 229,904 13,429 SH SOLE 13,429 0 0
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 408,131 8,119 SH SOLE 8,119 0 0
JOHNSON & JOHNSON COM 478160104 1,247,428 8,166 SH SOLE 8,166 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 1,207,856 2,126 SH SOLE 2,126 0 0
SPDR SERIES TRUST S&P 400 MDCP GRW 78464A821 420,964 4,846 SH SOLE 4,846 0 0
QUALCOMM INC COM 747525103 260,752 1,637 SH SOLE 1,637 0 0
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 652,823 3,388 SH SOLE 3,388 0 0
VANGUARD WORLD FD INF TECH ETF 92204A702 351,493 530 SH SOLE 530 0 0
BLACKROCK CORPOR HI YLD FD I COM 09255P107 683,203 70,072 SH SOLE 70,072 0 0
ABBVIE INC COM 00287Y109 363,258 1,957 SH SOLE 1,957 0 0
ALPHABET INC CAP STK CL C 02079K107 565,135 3,186 SH SOLE 3,186 0 0
BANK AMERICA CORP COM 060505104 219,896 4,647 SH SOLE 4,647 0 0
GE AEROSPACE COM NEW 369604301 219,188 852 SH SOLE 852 0 0
ISHARES TR CORE S&P SCP ETF 464287804 667,756 6,110 SH SOLE 6,110 0 0
MCDONALDS CORP COM 580135101 731,388 2,503 SH SOLE 2,503 0 0
VISA INC COM CL A 92826C839 242,815 684 SH SOLE 684 0 0
BLACKROCK CR ALLOCATION INCO COM 092508100 236,889 21,693 SH SOLE 21,693 0 0
INVESCO EXCHANGE TRADED FD T HIG YLD EQ DIV 46137V563 252,971 12,394 SH SOLE 12,394 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 520,443 19,639 SH SOLE 19,639 0 0
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794 1,052,583 13,139 SH SOLE 13,139 0 0
AON PLC SHS CL A G0403H108 350,338 982 SH SOLE 982 0 0
JEFFERIES FINL GROUP INC COM 47233W109 213,838 3,910 SH SOLE 3,910 0 0
DOUBLELINE YIELD OPPORTUNITI COM 25862D105 1,809,360 116,059 SH SOLE 116,059 0 0
OR ROYALTIES INC. COM SHS 68390D106 377,937 14,700 SH SOLE 14,700 0 0
VANGUARD WORLD FD FINANCIALS ETF 92204A405 399,464 3,138 SH SOLE 3,138 0 0
WISDOMTREE TR ENHNCD CMMDTY ST 97717Y683 306,777 15,421 SH SOLE 15,421 0 0
ENTERPRISE PRODS PARTNERS L COM 293792107 495,540 15,980 SH SOLE 15,980 0 0
NETFLIX INC COM 64110L106 215,600 161 SH SOLE 161 0 0
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 506,159 894 SH SOLE 894 0 0
TESLA INC COM 88160R101 855,141 2,692 SH SOLE 2,692 0 0
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 659,173 4,008 SH SOLE 4,008 0 0
ISHARES TR CORE S&P MCP ETF 464287507 1,272,034 20,510 SH SOLE 20,510 0 0
ISHARES TR MSCI EAFE MIN VL 46429B689 523,207 6,224 SH SOLE 6,224 0 0
ISHARES TR TIPS BD ETF 464287176 307,977 2,799 SH SOLE 2,799 0 0
INVESCO EXCH TRADED FD TR II PFD ETF 46138E511 382,513 34,368 SH SOLE 34,368 0 0
US BANCORP DEL COM NEW 902973304 344,534 7,614 SH SOLE 7,614 0 0
SPDR SERIES TRUST GLB DOW ETF 78464A706 265,423 1,762 SH SOLE 1,762 0 0
VANGUARD WORLD FD UTILITIES ETF 92204A876 665,766 3,772 SH SOLE 3,772 0 0
OKTA INC CL A 679295105 266,720 2,668 SH SOLE 2,668 0 0
GLOBAL X FDS US INFR DEV ETF 37954Y673 218,554 5,015 SH SOLE 5,015 0 0
PARK NATL CORP COM 700658107 672,385 4,020 SH SOLE 4,020 0 0
SPDR SERIES TRUST S&P 600 SMCP VAL 78464A300 312,418 3,917 SH SOLE 3,917 0 0
VANGUARD ADMIRAL FDS INC 500 VAL IDX FD 921932703 682,358 3,616 SH SOLE 3,616 0 0
BLACKROCK RES & COMMODITIES SHS 09257A108 132,794 14,052 SH SOLE 14,052 0 0
ISHARES TR MSCI USA QLT FCT 46432F339 260,701 1,426 SH SOLE 1,426 0 0
ISHARES TR U.S. MED DVC ETF 464288810 398,390 6,360 SH SOLE 6,360 0 0
PLAINS ALL AMERN PIPELINE L UNIT LTD PARTN 726503105 320,600 17,500 SH SOLE 17,500 0 0
ISHARES TR MRGSTR SM CP GR 464288604 1,006,643 20,230 SH SOLE 20,230 0 0
ISHARES TR U.S. REAL ES ETF 464287739 771,838 8,144 SH SOLE 8,144 0 0
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 427,903 1,505 SH SOLE 1,505 0 0
DOUBLELINE INCOME SOLUTIONS COM 258622109 248,509 20,303 SH SOLE 20,303 0 0
THREDUP INC CL A 88556E102 224,737 30,005 SH SOLE 30,005 0 0
VANGUARD INDEX FDS LARGE CAP ETF 922908637 340,580 1,194 SH SOLE 1,194 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 244,136 2,944 SH SOLE 2,944 0 0
NORFOLK SOUTHN CORP COM 655844108 251,619 983 SH SOLE 983 0 0
ISHARES TR S&P MC 400GR ETF 464287606 263,131 2,892 SH SOLE 2,892 0 0
PARKER-HANNIFIN CORP COM 701094104 315,710 452 SH SOLE 452 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 456,452 1,803 SH SOLE 1,803 0 0
LEGG MASON ETF INVT FRANKLIN INTL LW 52468L505 297,605 9,143 SH SOLE 9,143 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 593,611 1,222 SH SOLE 1,222 0 0
CAPITAL GROUP DIVIDEND VALUE SHS CREATION UNI 14020W106 307,785 7,794 SH SOLE 7,794 0 0
ISHARES TR RUS 2000 VAL ETF 464287630 430,767 2,731 SH SOLE 2,731 0 0
CALIFORNIA BANCORP COM 84252A106 202,343 12,839 SH SOLE 12,839 0 0
WILLIAMS SONOMA INC COM 969904101 467,238 2,860 SH SOLE 2,860 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 202,801 4,204 SH SOLE 4,204 0 0
TEXAS INSTRS INC COM 882508104 418,147 2,014 SH SOLE 2,014 0 0
NUVEEN AMT-FREE MUN VALUE FD COM 670695105 273,600 20,000 SH SOLE 20,000 0 0
MEDTRONIC PLC SHS G5960L103 343,537 3,941 SH SOLE 3,941 0 0
PIMCO HIGH INCOME FD COM SHS 722014107 240,134 50,028 SH SOLE 50,028 0 0
VANECK ETF TRUST CLO ETF 92189H748 208,782 3,943 SH SOLE 3,943 0 0
INVESCO EXCHANGE TRADED FD T S&P500 QUALITY 46137V241 210,911 2,960 SH SOLE 2,960 0 0