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 278,577 2,966 SH SOLE 2,966 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 5,565,403 179,761 SH SOLE 179,761 0 0
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 2,028,648 13,698 SH SOLE 13,698 0 0
CALAMOS CONV OPPORTUNITIES & SH BEN INT 128117108 2,461,503 229,190 SH SOLE 229,190 0 0
ISHARES INC MSCI CDA ETF 464286509 363,860 6,641 SH SOLE 6,641 0 0
ISHARES TR US INFRASTRUC 46435U713 694,682 12,145 SH SOLE 12,145 0 0
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 1,393,792 45,698 SH SOLE 45,698 0 0
SPDR GOLD TR GOLD SHS 78463V107 3,912,988 9,094 SH SOLE 9,094 0 0
SELECT SECTOR SPDR TR STATE STREET UTI 81369Y886 1,322,912 28,828 SH SOLE 28,828 0 0
VANECK ETF TRUST MORNINGSTAR SMID 92189H730 2,363,404 67,161 SH SOLE 67,161 0 0
CAPITAL GROUP CORE BALANCED SHS 14021D107 1,978,875 57,509 SH SOLE 57,509 0 0
ISHARES TR ISHARES BIOTECH 464287556 610,719 3,617 SH SOLE 3,617 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 9,187,097 315,925 SH SOLE 315,925 0 0
VANGUARD WHITEHALL FDS EM MK GOV BD ETF 921946885 649,661 9,890 SH SOLE 9,890 0 0
ISHARES TR INTL SEL DIV ETF 464288448 1,158,355 27,217 SH SOLE 27,217 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 4,098,841 124,396 SH SOLE 124,396 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 12,963,025 523,759 SH SOLE 523,759 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 7,934,718 316,124 SH SOLE 316,124 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 6,677,875 31,051 SH SOLE 31,051 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 3,764,372 69,646 SH SOLE 69,646 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611 6,349,197 29,225 SH SOLE 29,225 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 1,373,981 18,658 SH SOLE 18,658 0 0
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 1,307,152 27,204 SH SOLE 27,204 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 4,306,611 167,965 SH SOLE 167,965 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 7,953,217 27,694 SH SOLE 27,694 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 8,632,724 134,718 SH SOLE 134,718 0 0
ISHARES TR EAFE SML CP ETF 464288273 3,329,675 42,465 SH SOLE 42,465 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 4,948,353 65,890 SH SOLE 65,890 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 7,393,001 28,226 SH SOLE 28,226 0 0
VANGUARD WORLD FD HEALTH CAR ETF 92204A504 537,954 1,975 SH SOLE 1,975 0 0
INVESCO MUNI INCOME OPP TRST COM 46132X101 91,437 14,892 SH SOLE 14,892 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 2,929,022 33,022 SH SOLE 33,022 0 0
SELECT SECTOR SPDR TR STATE STREET REA 81369Y860 666,604 16,326 SH SOLE 16,326 0 0
VANECK ETF TRUST MRNGSTR INT MOAT 92189F593 578,674 16,944 SH SOLE 16,944 0 0
VANECK ETF TRUST MRNGSTR WDE MOAT 92189F643 2,717,445 28,102 SH SOLE 28,102 0 0
AMPLIFY ETF TR AMPLIFY ETHO CLI 032108557 372,999 5,645 SH SOLE 5,645 0 0
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 1,052,430 22,517 SH SOLE 22,517 0 0
ISHARES TR ESG MSCI KLD 400 464288570 2,971,242 24,517 SH SOLE 24,517 0 0
ISHARES TR ESG OPTIMIZED 464288802 247,411 1,873 SH SOLE 1,873 0 0
ISHARES TR TIPS BD ETF 464287176 309,182 2,802 SH SOLE 2,802 0 0
PROSHARES TR RUSS 2000 DIVD 74347B698 377,979 5,495 SH SOLE 5,495 0 0
ANNALY CAPITAL MANAGEMENT IN COM NEW 035710839 947,173 44,784 SH SOLE 44,784 0 0
FIRST TR EXCH TRADED FD III PFD SECS INC ETF 33739E108 694,870 39,148 SH SOLE 39,148 0 0
PIMCO DYNAMIC INCOME FD SHS 72201Y101 450,866 26,351 SH SOLE 26,351 0 0
PIMCO HIGH INCOME FD COM SHS 722014107 606,924 131,085 SH SOLE 131,085 0 0
VANECK ETF TRUST FALLEN ANGEL HG 92189F437 1,518,344 52,867 SH SOLE 52,867 0 0
ISHARES TR MSCI USA MIN VOL 46429B697 1,546,189 16,672 SH SOLE 16,672 0 0
PUBLIC STORAGE OPER CO COM 74460D109 341,309 1,260 SH SOLE 1,260 0 0
CHEVRON CORPORATION COM 166764100 1,823,410 8,813 SH SOLE 8,813 0 0
NEXTERA ENERGY INC COM 65339F101 602,791 6,490 SH SOLE 6,490 0 0
PROCTER & GAMBLE CO COM 742718109 544,250 3,768 SH SOLE 3,768 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 4,503,127 14,037 SH SOLE 14,037 0 0
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354 485,796 6,642 SH SOLE 6,642 0 0
VANGUARD WORLD FD MEGA CAP VAL ETF 921910840 803,603 5,544 SH SOLE 5,544 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768 1,925,743 24,974 SH SOLE 24,974 0 0
SPDR SERIES TRUST STATE STREET SPD 78464A763 456,164 3,126 SH SOLE 3,126 0 0
SPDR INDEX SHS FDS STATE STREET SPD 78463X772 304,706 6,682 SH SOLE 6,682 0 0
FIRST TR EXCHANGE TRADED FD RBA INDL ETF 33738R704 2,106,979 19,019 SH SOLE 19,019 0 0
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 643,550 990 SH SOLE 990 0 0
ISHARES INC MSCI GBL MIN VOL 464286525 3,772,135 31,563 SH SOLE 31,563 0 0
EXCHANGE TRADED CONCEPTS TRU ROBO GLB ETF 301505707 486,839 7,114 SH SOLE 7,114 0 0
SPDR SERIES TRUST STATE STREET SPD 78468R663 752,914 8,216 SH SOLE 8,216 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 626,218 1,085 SH SOLE 1,085 0 0
ISHARES INC MSCI EQUAL WEITE 464286681 322,102 3,165 SH SOLE 3,165 0 0
STARBUCKS CORP COM 855244109 426,970 4,766 SH SOLE 4,766 0 0
TARGET CORP COM 87612E106 253,672 2,093 SH SOLE 2,093 0 0
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 2,606,295 18,843 SH SOLE 18,843 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 2,048,996 10,676 SH SOLE 10,676 0 0
SCHWAB STRATEGIC TR FUNDAMENTAL EMER 808524730 1,123,425 29,363 SH SOLE 29,363 0 0
SPDR SERIES TRUST STATE STREET SPD 78468R770 665,772 5,546 SH SOLE 5,546 0 0
WELLS FARGO & CO COM 949746101 759,241 9,537 SH SOLE 9,537 0 0
APPLE INC COM 037833100 9,414,773 37,097 SH SOLE 37,097 0 0
JPMORGAN CHASE & CO COM 46625H100 932,781 3,171 SH SOLE 3,171 0 0
LINDE PLC SHS G54950103 416,934 841 SH SOLE 841 0 0
VANGUARD INDEX FDS SML CP GRW ETF 922908595 2,126,443 7,035 SH SOLE 7,035 0 0
ISHARES TR MSCI EAFE ETF 464287465 553,807 5,702 SH SOLE 5,702 0 0
PEPSICO INC COM 713448108 427,421 2,752 SH SOLE 2,752 0 0
ABBOTT LABORATORIES COM 002824100 232,753 2,267 SH SOLE 2,267 0 0
FIRST TR EXCHANGE-TRADED FD DJ GLBL DIVID 33734X200 3,903,371 122,248 SH SOLE 122,248 0 0
ISHARES TR CONV BD ETF 46435G102 375,300 3,687 SH SOLE 3,687 0 0
ISHARES TR MSCI UK ETF NEW 46435G334 1,065,032 23,376 SH SOLE 23,376 0 0
SCHWAB STRATEGIC TR FUNDAMENTAL US S 808524763 377,795 11,650 SH SOLE 11,650 0 0
SPDR INDEX SHS FDS STATE STREET SPD 78463X202 554,105 8,926 SH SOLE 8,926 0 0
CATERPILLAR INC COM 149123101 1,973,701 2,786 SH SOLE 2,786 0 0
CISCO SYS INC COM 17275R102 1,198,272 15,444 SH SOLE 15,444 0 0
DEERE & CO COM 244199105 562,173 998 SH SOLE 998 0 0
EXXON MOBIL CORP COM 30231G102 242,274 1,428 SH SOLE 1,428 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 826,480 3,410 SH SOLE 3,410 0 0
ISHARES INC MSCI MEXICO ETF 464286822 569,322 7,568 SH SOLE 7,568 0 0
MERCK & CO INC COM 58933Y105 243,896 2,028 SH SOLE 2,028 0 0
MICROSOFT CORP COM 594918104 2,105,009 5,687 SH SOLE 5,687 0 0
ORACLE CORP COM 68389X105 409,996 2,787 SH SOLE 2,787 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 424,283 971 SH SOLE 971 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 1,055,755 5,381 SH SOLE 5,381 0 0
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794 1,301,580 13,811 SH SOLE 13,811 0 0
ALPHABET INC CAP STK CL A 02079K305 1,629,104 5,665 SH SOLE 5,665 0 0
AMAZON COM INC COM 023135106 1,869,640 8,977 SH SOLE 8,977 0 0
BROADCOM INC COM 11135F101 880,467 2,845 SH SOLE 2,845 0 0
META PLATFORMS INC CL A 30303M102 407,357 712 SH SOLE 712 0 0
NVIDIA CORPORATION COM 67066G104 2,367,644 13,576 SH SOLE 13,576 0 0
HOME DEPOT INC COM 437076102 426,535 1,297 SH SOLE 1,297 0 0
SCHWAB STRATEGIC TR FUNDAMENTAL INTL 808524755 1,618,363 33,075 SH SOLE 33,075 0 0
SCHWAB STRATEGIC TR FUNDAMENTAL INTL 808524748 539,664 11,641 SH SOLE 11,641 0 0
SCHWAB STRATEGIC TR FUNDAMENTAL US L 808524771 311,976 11,202 SH SOLE 11,202 0 0
VANECK ETF TRUST PREFERRED SECURT 92189F429 214,847 12,249 SH SOLE 12,249 0 0
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 407,183 8,152 SH SOLE 8,152 0 0
JOHNSON & JOHNSON COM 478160104 1,799,881 7,363 SH SOLE 7,363 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 1,305,001 2,184 SH SOLE 2,184 0 0
QUALCOMM INC COM 747525103 213,684 1,659 SH SOLE 1,659 0 0
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 703,483 3,418 SH SOLE 3,418 0 0
VANGUARD WORLD FD INF TECH ETF 92204A702 349,225 501 SH SOLE 501 0 0
BLACKROCK CORPOR HI YLD FD I COM 09255P107 533,878 62,662 SH SOLE 62,662 0 0
BLACKROCK CR ALLOCATION COM 092508100 195,040 19,311 SH SOLE 19,311 0 0
INVESCO EXCHANGE TRADED FD T HIG YLD EQ DIV 46137V563 266,522 12,443 SH SOLE 12,443 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 880,828 28,710 SH SOLE 28,710 0 0
ALPHABET INC CAP STK CL C 02079K107 905,697 3,157 SH SOLE 3,157 0 0
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 742,129 4,027 SH SOLE 4,027 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 1,170,742 14,769 SH SOLE 14,769 0 0
AON PLC SHS CL A G0403H108 316,970 982 SH SOLE 982 0 0
MCDONALDS CORP COM 580135101 737,908 2,374 SH SOLE 2,374 0 0
STATE STR CORP COM 857477103 213,127 1,684 SH SOLE 1,684 0 0
ENTERPRISE PRODS PARTNERS L COM 293792107 604,683 15,980 SH SOLE 15,980 0 0
STATE STR SPDR S&P MIDCAP 40 UTSER1 S&PDCRP 78467Y107 546,342 886 SH SOLE 886 0 0
TESLA INC COM 88160R101 1,740,534 4,682 SH SOLE 4,682 0 0
ISHARES TR CORE S&P MCP ETF 464287507 1,393,343 20,633 SH SOLE 20,633 0 0
ISHARES TR CORE S&P SCP ETF 464287804 735,945 5,920 SH SOLE 5,920 0 0
ISHARES TR MSCI EAFE MIN VL 46429B689 575,182 6,295 SH SOLE 6,295 0 0
INVESCO EXCH TRADED FD TR II PFD ETF 46138E511 324,768 29,850 SH SOLE 29,850 0 0
ISHARES TR GLOBAL 100 ETF 464287572 1,625,958 13,441 SH SOLE 13,441 0 0
WISDOMTREE TR ENHNCD CMMDTY ST 97717Y683 374,272 15,634 SH SOLE 15,634 0 0
US BANCORP COM NEW 902973304 396,004 7,614 SH SOLE 7,614 0 0
SPDR SERIES TRUST STATE STREET SPD 78464A706 298,743 1,762 SH SOLE 1,762 0 0
VANGUARD WORLD FD UTILITIES ETF 92204A876 748,793 3,779 SH SOLE 3,779 0 0
DOUBLELINE YIELD OPPORTUNITI COM 25862D105 934,976 67,168 SH SOLE 67,168 0 0
VANECK ETF TRUST CLO ETF 92189H748 266,504 5,057 SH SOLE 5,057 0 0
OKTA INC CL A 679295105 209,998 2,668 SH SOLE 2,668 0 0
GLOBAL X FDS US INFR DEV ETF 37954Y673 254,812 5,015 SH SOLE 5,015 0 0
PARK NATL CORP COM 700658107 624,379 3,820 SH SOLE 3,820 0 0
SPDR SERIES TRUST STATE STREET SPD 78464A300 316,320 3,344 SH SOLE 3,344 0 0
VANGUARD ADMIRAL FDS INC 500 VAL IDX FD 921932703 720,284 3,534 SH SOLE 3,534 0 0
BLACKROCK RES & COMMODITIES SHS 09257A108 179,330 14,882 SH SOLE 14,882 0 0
ISHARES TR MSCI USA QLT FCT 46432F339 282,584 1,473 SH SOLE 1,473 0 0
CLEARWAY ENERGY INC CL A 18539C105 391,700 10,000 SH SOLE 10,000 0 0
INVESCO EXCHANGE TRADED FD T DJ INDL AVG DV 46137V605 238,960 4,000 SH SOLE 4,000 0 0
ISHARES INC US POWER INFRAST 464286343 655,750 25,000 SH SOLE 25,000 0 0
ISHARES TR U.S. MED DVC ETF 464288810 339,306 6,360 SH SOLE 6,360 0 0
PLAINS ALL AMERN PIPELINE L UNIT LTD PARTN 726503105 390,775 17,500 SH SOLE 17,500 0 0
SELECT SECTOR SPDR TR STATE STREET ENE 81369Y506 628,650 10,262 SH SOLE 10,262 0 0
ISHARES TR MRGSTR SM CP GR 464288604 1,084,164 19,784 SH SOLE 19,784 0 0
ISHARES TR U.S. REAL ES ETF 464287739 773,192 8,177 SH SOLE 8,177 0 0
ABBVIE INC COM 00287Y109 419,756 1,930 SH SOLE 1,930 0 0
COCA COLA CO COM 191216100 262,601 3,453 SH SOLE 3,453 0 0
ISHARES TR CORE 60/40 BALAN 464289867 603,229 9,374 SH SOLE 9,374 0 0
OR ROYALTIES INC. COM SHS 68390D106 520,874 13,700 SH SOLE 13,700 0 0
ISHARES TR LOW CARBON OPTIM 46434V464 203,839 915 SH SOLE 915 0 0
SPDR SERIES TRUST STATE STREET SPD 78464A821 466,847 4,865 SH SOLE 4,865 0 0
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 384,003 1,492 SH SOLE 1,492 0 0
ISHARES TR S&P MC 400GR ETF 464287606 294,911 2,931 SH SOLE 2,931 0 0
GE AEROSPACE COM NEW 369604301 241,677 852 SH SOLE 852 0 0
LEGG MASON ETF INVT FRANKLIN INTL LW 52468L505 370,657 9,143 SH SOLE 9,143 0 0
DOUBLELINE INCOME SOLUTIONS COM 258622109 219,881 20,303 SH SOLE 20,303 0 0
VANGUARD INDEX FDS LARGE CAP ETF 922908637 358,260 1,199 SH SOLE 1,199 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 252,073 3,046 SH SOLE 3,046 0 0
NORFOLK SOUTHN CORP COM 655844108 282,121 983 SH SOLE 983 0 0
ABRDN PRECIOUS METALS BASKET PHYSCL PRECS MET 003263100 229,656 1,050 SH SOLE 1,050 0 0
LOEWS CORP COM 540424108 211,345 1,980 SH SOLE 1,980 0 0
PARKER-HANNIFIN CORP COM 701094104 404,889 452 SH SOLE 452 0 0
BANK NEW YORK MELLON CORP COM 064058100 223,736 1,886 SH SOLE 1,886 0 0
RTX CORPORATION COM 75513E101 204,088 1,058 SH SOLE 1,058 0 0
SELECT SECTOR SPDR TR STATE STREET TEC 81369Y803 480,767 3,618 SH SOLE 3,618 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 513,702 1,072 SH SOLE 1,072 0 0
CAPITAL GROUP DIVIDEND VALUE SHS CREATION UNI 14020W106 331,557 7,794 SH SOLE 7,794 0 0
VANGUARD WORLD FD FINANCIALS ETF 92204A405 379,099 3,138 SH SOLE 3,138 0 0
MICRON TECHNOLOGY INC COM 595112103 323,322 957 SH SOLE 957 0 0
ISHARES TR RUS 2000 VAL ETF 464287630 520,417 2,745 SH SOLE 2,745 0 0
CALIFORNIA BANCORP COM 84252A106 227,507 12,839 SH SOLE 12,839 0 0
INTUIT COM 461202103 217,487 503 SH SOLE 503 0 0
WILLIAMS SONOMA INC COM 969904101 281,153 1,542 SH SOLE 1,542 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 238,745 4,204 SH SOLE 4,204 0 0
TEXAS INSTRS INC COM 882508104 380,903 1,962 SH SOLE 1,962 0 0
MEDTRONIC PLC SHS G5960L103 341,488 3,941 SH SOLE 3,941 0 0
INVESCO EXCHANGE TRADED FD T S&P500 QUALITY 46137V241 222,543 2,960 SH SOLE 2,960 0 0
NUVEEN AMT-FREE MUN VALUE FD COM 670695105 286,600 20,000 SH SOLE 20,000 0 0