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
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 291,478 1,259 SH SOLE 1,259 0 0
ALPHABET INC CAP STK CL C 02079K107 525,105 2,156 SH SOLE 2,156 0 0
AMAZON COM INC COM 023135106 1,498,789 6,826 SH SOLE 6,826 0 0
AMERICAN TOWER CORP NEW COM 03027X100 372,533 1,937 SH SOLE 1,937 0 0
APPLE INC COM 037833100 2,255,608 8,858 SH SOLE 8,858 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,892,816 3,765 SH SOLE 3,765 0 0
BROADCOM INC COM 11135F101 242,186 734 SH SOLE 734 0 0
CAPITAL ONE FINL CORP COM 14040H105 4,847,466 22,803 SH SOLE 22,803 0 0
CVR PARTNERS LP COM 126633205 315,420 3,500 SH SOLE 3,500 0 0
DIMENSIONAL ETF TRUST ULTRASHORT FIXED 25434V591 341,871 6,732 SH SOLE 6,732 0 0
ELECTRONIC ARTS INC COM 285512109 282,179 1,399 SH SOLE 1,399 0 0
EXXON MOBIL CORP COM 30231G102 200,295 1,776 SH SOLE 1,776 0 0
INNOVATOR ETFS TRUST INNOVATOR INTER 45783Y533 426,995 13,399 SH SOLE 13,399 0 0
INNOVATOR ETFS TRUST INNOVATOR INTL D 45783Y285 216,096 7,609 SH SOLE 7,609 0 0
INNOVATOR ETFS TRUST INTERNATIONAL DE 45783Y426 378,198 12,171 SH SOLE 12,171 0 0
INNOVATOR ETFS TRUST INTERNATIONAL DV 45782C631 396,680 11,609 SH SOLE 11,609 0 0
INNOVATOR ETFS TRUST INTRNL DEV JULY 45782C722 368,990 11,289 SH SOLE 11,289 0 0
INNOVATOR ETFS TRUST US EQT PWR BUF 45782C870 221,913 5,785 SH SOLE 5,785 0 0
INNOVATOR ETFS TRUST US EQTY BUFR JAN 45782C409 334,847 6,316 SH SOLE 6,316 0 0
INNOVATOR ETFS TRUST US EQTY PWR BF 45782C680 630,637 14,849 SH SOLE 14,849 0 0
INNOVATOR ETFS TRUST US EQTY PWR BUF 45782C797 488,280 11,329 SH SOLE 11,329 0 0
INNOVATOR ETFS TRUST US EQTY PWR BUF 45782C813 535,709 11,748 SH SOLE 11,748 0 0
INNOVATOR ETFS TRUST US EQTY PWR BUF 45782C540 567,900 13,515 SH SOLE 13,515 0 0
INNOVATOR ETFS TRUST US EQTY PWR BUF 45782C573 382,269 9,310 SH SOLE 9,310 0 0
INNOVATOR ETFS TRUST US EQTY PWR BUF 45782C383 235,402 5,361 SH SOLE 5,361 0 0
INNOVATOR ETFS TRUST US EQTY PWR BUF 45782C417 441,472 11,123 SH SOLE 11,123 0 0
INNOVATOR ETFS TRUST US EQTY PWR BUF 45782C318 281,444 7,236 SH SOLE 7,236 0 0
INNOVATOR ETFS TRUST US EQTY PWR BUF 45782C656 980,506 22,829 SH SOLE 22,829 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 310,207 1,099 SH SOLE 1,099 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 1,921,184 3,200 PRN Put SOLE 3,200 0 0
ISHARES INC CORE MSCI EMKT 46434G103 3,615,646 54,849 SH SOLE 54,849 0 0
ISHARES TR 7-10 YR TRSY BD 464287440 1,517,026 15,727 SH SOLE 15,727 0 0
ISHARES TR CORE DIV GRWTH 46434V621 13,344,252 196,008 SH SOLE 196,008 0 0
ISHARES TR CORE MSCI EAFE 46432F842 9,314,667 106,685 SH SOLE 106,685 0 0
ISHARES TR CORE S&P SCP ETF 464287804 1,944,653 16,365 SH SOLE 16,365 0 0
ISHARES TR CORE S&P500 ETF 464287200 34,010,987 50,816 SH SOLE 50,816 0 0
ISHARES TR HDG MSCI EAFE 46434V803 357,639 9,029 SH SOLE 9,029 0 0
ISHARES TR IBOXX INV CP ETF 464287242 911,022 8,173 SH SOLE 8,173 0 0
ISHARES TR MSCI EAFE ETF 464287465 859,935 9,210 SH SOLE 9,210 0 0
ISHARES TR NATIONAL MUN ETF 464288414 919,435 8,634 SH SOLE 8,634 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 832,365 1,777 SH SOLE 1,777 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 488,033 2,017 SH SOLE 2,017 0 0
ISHARES TR SP SMCP600VL ETF 464287879 527,654 4,771 SH SOLE 4,771 0 0
ISHARES TR U.S. REAL ES ETF 464287739 589,761 6,075 SH SOLE 6,075 0 0
JOHNSON CTLS INTL PLC SHS G51502105 564,044 5,130 SH SOLE 5,130 0 0
JPMORGAN CHASE & CO. COM 46625H100 457,107 1,449 SH SOLE 1,449 0 0
LOCKHEED MARTIN CORP COM 539830109 2,043,348 4,093 SH SOLE 4,093 0 0
MICROSOFT CORP COM 594918104 720,546 1,391 SH SOLE 1,391 0 0
MORGAN STANLEY COM NEW 617446448 5,995,510 37,717 SH SOLE 37,717 0 0
NETFLIX INC COM 64110L106 1,225,296 1,022 SH SOLE 1,022 0 0
NVIDIA CORPORATION COM 67066G104 735,155 3,940 SH SOLE 3,940 0 0
PALANTIR TECHNOLOGIES INC CL A 69608A108 230,032 1,261 SH SOLE 1,261 0 0
PROCTER AND GAMBLE CO COM 742718109 264,915 1,724 SH SOLE 1,724 0 0
QUALCOMM INC COM 747525103 363,508 2,185 SH SOLE 2,185 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 801,591 30,432 SH SOLE 30,432 0 0
SCHWAB STRATEGIC TR US REIT ETF 808524847 290,203 13,454 SH SOLE 13,454 0 0
SELECT SECTOR SPDR TR FINANCIAL 81369Y605 8,614,960 159,921 SH SOLE 159,921 0 0
SHOPIFY INC CL A SUB VTG SHS 82509L107 329,171 2,215 SH SOLE 2,215 0 0
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 387,121 9,047 SH SOLE 9,047 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 6,439,962 9,667 SH SOLE 9,667 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 133,236 200 PRN Call SOLE 200 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 266,472 400 PRN Put SOLE 400 0 0
SPDR SERIES TRUST BLOOMBERG HIGH Y 78468R622 233,118 2,379 SH SOLE 2,379 0 0
SPDR SERIES TRUST BLOOMBERG SHT TE 78468R408 1,470,822 57,454 SH SOLE 57,454 0 0
SPDR SERIES TRUST NUVEEN ICE MUNIC 78468R721 858,357 18,836 SH SOLE 18,836 0 0
SPDR SERIES TRUST NUVEEN ICE SHORT 78468R739 935,179 19,394 SH SOLE 19,394 0 0
SPDR SERIES TRUST PORTFOLIO INTRMD 78464A375 335,741 9,907 SH SOLE 9,907 0 0
SPDR SERIES TRUST PORTFOLIO S&P500 78464A854 576,669 7,361 SH SOLE 7,361 0 0
SPDR SERIES TRUST PORTFOLIO S&P600 78468R853 242,948 5,245 SH SOLE 5,245 0 0
SPDR SERIES TRUST PORTFOLIO SHORT 78464A474 219,451 7,245 SH SOLE 7,245 0 0
TESLA INC COM 88160R101 318,864 717 SH SOLE 717 0 0
UNITEDHEALTH GROUP INC COM 91324P102 298,033 863 SH SOLE 863 0 0
VANECK ETF TRUST FALLEN ANGEL HG 92189F437 13,067,554 439,541 SH SOLE 439,541 0 0
VANECK ETF TRUST HIGH YLD MUNIETF 92189H409 744,972 14,636 SH SOLE 14,636 0 0
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 23,495,537 112,236 SH SOLE 112,236 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 1,186,076 2,473 SH SOLE 2,473 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 23,678,810 259,011 SH SOLE 259,011 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 520,559 850 SH SOLE 850 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 385,997 1,518 SH SOLE 1,518 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 782,405 2,384 SH SOLE 2,384 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 222,669 1,194 SH SOLE 1,194 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 9,751,724 179,988 SH SOLE 179,988 0 0
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 1,029,260 12,898 SH SOLE 12,898 0 0
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 27,627,646 460,231 SH SOLE 460,231 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 36,082,254 428,989 SH SOLE 428,989 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 27,222,494 340,579 SH SOLE 340,579 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 8,110,467 37,585 SH SOLE 37,585 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 27,116,144 452,539 SH SOLE 452,539 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 265,360 6,038 SH SOLE 6,038 0 0