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
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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
APPLE INC COM 037833100 2,410,899 8,332 SH SOLE 0 0 0 8,332
CAPITAL GRP FIXED INCM ETF T CORE PLUS INCM 14020Y102 7,523,026 337,507 SH SOLE 0 0 0 337,507
CARVANA CO CL A 146869102 230,370 3,500 SH SOLE 0 0 0 3,500
CISCO SYS INC COM 17275R102 282,844 2,408 SH SOLE 0 0 0 2,408
DEERE & CO COM 244199105 220,112 347 SH SOLE 0 0 0 347
TCW ETF TRUST TRANSFRM 500 ETF 29287L106 636,008 7,214 SH SOLE 0 0 0 7,214
FIDELITY COVINGTON TRUST MSCI HLTH CARE I 316092600 227,892 2,950 SH SOLE 0 0 0 2,950
FLEXSHARES TR US QT LW VLTY 33939L654 256,520 3,398 SH SOLE 0 0 0 3,398
GLOBAL X FDS NASDAQ 100 COVER 37954Y483 223,372 12,120 SH SOLE 0 0 0 12,120
INVESCO QQQ TR UNIT SER 1 46090E103 3,321,572 4,511 SH SOLE 0 0 0 4,511
INVESCO EXCHANGE TRADED FD T S&P MDCP MOMNTUM 46137V464 310,267 1,824 SH SOLE 0 0 0 1,824
INVESCO EXCH TRADED FD TR II S&P 500 MOMNTM 46138E339 536,583 3,322 SH SOLE 0 0 0 3,322
ISHARES TR CORE US AGGBD ET 464287226 2,420,942 24,459 SH SOLE 0 0 0 24,459
ISHARES TR S&P 500 GRWT ETF 464287309 7,159,751 52,060 SH SOLE 0 0 0 52,060
ISHARES TR CORE S&P MCP ETF 464287507 4,113,669 53,348 SH SOLE 0 0 0 53,348
ISHARES TR EXPND TEC SC ETF 464287549 389,287 2,380 SH SOLE 0 0 0 2,380
ISHARES TR RUSSELL 2000 ETF 464287655 6,162,091 20,510 SH SOLE 0 0 0 20,510
ISHARES TR CORE S&P SCP ETF 464287804 1,810,481 12,207 SH SOLE 0 0 0 12,207
ISHARES TR MSCI EAFE MIN VL 46429B689 7,396,022 84,324 SH SOLE 0 0 0 84,324
ISHARES TR MSCI USA MIN VOL 46429B697 9,059,564 93,920 SH SOLE 0 0 0 93,920
ISHARES TR ESG AWR MSCI USA 46435G425 579,123 3,538 SH SOLE 0 0 0 3,538
LEGG MASON ETF INVT FRANKLIN US LOW 52468L406 494,653 11,241 SH SOLE 0 0 0 11,241
LITMAN GREGORY FDS TR IMGP DBI MANAGED 53700T827 1,591,413 51,990 SH SOLE 0 0 0 51,990
SPDR SERIES TRUST STATE STREET SPD 78464A409 19,545,826 164,264 SH SOLE 0 0 0 164,264
SPDR SERIES TRUST STATE STREET SPD 78464A508 13,911,808 228,850 SH SOLE 0 0 0 228,850
SPDR SERIES TRUST STATE STREET SPD 78464A763 596,625 3,921 SH SOLE 0 0 0 3,921
SPDR SERIES TRUST STATE STREET SPD 78468R853 2,470,396 42,837 SH SOLE 0 0 0 42,837
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 3,431,055 101,391 SH SOLE 0 0 0 101,391
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 5,086,720 160,414 SH SOLE 0 0 0 160,414
TESLA INC COM 88160R101 816,805 1,942 SH SOLE 0 0 0 1,942
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 2,655,564 31,708 SH SOLE 0 0 0 31,708
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 2,700,035 3,931 SH SOLE 0 0 0 3,931
VANGUARD INDEX FDS TOTAL STK MKT 922908769 6,906,377 18,664 SH SOLE 0 0 0 18,664
WASTE MGMT INC DEL COM 94106L109 392,798 1,762 SH SOLE 0 0 0 1,762