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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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
ABBOTT LABORATORIES COM 002824100 364,586 4,018 SH SOLE 0 0 4,018
ABBVIE INC COM 00287Y109 332,484 1,321 SH SOLE 0 0 1,321
ALPHABET INC CAP STK CL A 02079K305 221,569 620 SH SOLE 0 0 620
ALPS ETF TR INTL SEC DV DOG 00162Q718 2,453,167 59,572 SH SOLE 0 0 59,572
AMAZON COM INC COM 023135106 212,123 890 SH SOLE 0 0 890
AMGEN INC COM 031162100 651,816 1,800 SH SOLE 0 0 1,800
APPLE INC COM 037833100 3,424,064 11,833 SH SOLE 0 0 11,833
AMERICAN CENTY ETF TR INTL EQT ETF 025072703 2,539,100 28,465 SH SOLE 0 0 28,465
BERKSHIRE HATHAWAY INC DEL CL A 084670108 748,850 1 SH SOLE 0 0 1
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 731,070 961 SH SOLE 0 0 961
BONDBLOXX ETF TRUST BLOOMBERG TEN YR 09789C812 369,670 8,110 SH SOLE 0 0 8,110
CHEVRON CORPORATION COM 166764100 212,007 1,279 SH SOLE 0 0 1,279
CISCO SYS INC COM 17275R102 387,635 3,300 SH SOLE 0 0 3,300
DONALDSON INC COM 257651109 206,291 2,298 SH SOLE 0 0 2,298
FIDELITY COVINGTON TRUST EMERG MKTS MLTFT 316092543 2,338,235 64,361 SH SOLE 0 0 64,361
ISHARES TR ISHS 5-10YR INVT 464288638 923,165 17,363 SH SOLE 0 0 17,363
ISHARES INC CORE MSCI EMKT 46434G103 1,848,989 22,320 SH SOLE 0 0 22,320
ISHARES TR CORE S&P500 ETF 464287200 561,668 750 SH SOLE 0 0 750
ISHARES TR CORE UNIVRSL USD 46434V613 971,647 21,054 SH SOLE 0 0 21,054
BLACKROCK ETF TRUST DYNAMIC EQTY ACT 09290C723 4,788,146 172,608 SH SOLE 0 0 172,608
BLACKROCK ETF TRUST II ISHA FLEX IN ETF 092528603 459,682 8,783 SH SOLE 0 0 8,783
ISHARES TR MBS ETF 464288588 1,828,351 19,344 SH SOLE 0 0 19,344
ISHARES TR EAFE VALUE ETF 464288877 468,103 6,115 SH SOLE 0 0 6,115
ISHARES INC MSCI JAPAN ETF 46434G822 311,708 3,342 SH SOLE 0 0 3,342
ISHARES INC MSCI STH KOR ETF 464286772 2,488,418 12,325 SH SOLE 0 0 12,325
ISHARES TR MSCI USA QLT FCT 46432F339 409,676 1,867 SH SOLE 0 0 1,867
ISHARES TR RUS 1000 GRW ETF 464287614 918,858 7,400 SH SOLE 0 0 7,400
ISHARES TR RUSSELL 2000 ETF 464287655 210,315 700 SH SOLE 0 0 700
BLACKROCK ETF TRUST ISHARES US EQUIT 09290C103 6,072,782 89,292 SH SOLE 0 0 89,292
LAZARD ACTIVE ETF TR INTL DYNAMIC EQT 52110K400 2,580,723 73,588 SH SOLE 0 0 73,588
MERCK & CO INC COM 58933Y105 1,366,868 10,637 SH SOLE 0 0 10,637
MICROSOFT CORP COM 594918104 5,580,878 14,541 SH SOLE 0 0 14,541
NETFLIX INC. COM 64110L106 309,162 4,330 SH SOLE 0 0 4,330
NOVARTIS AG SPONSORED ADR 66987V109 783,600 5,000 SH SOLE 0 0 5,000
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 2,179,451 60,106 SH SOLE 0 0 60,106
SCHWAB STRATEGIC TR FUNDAMENTAL US L 808524771 8,998,934 289,355 SH SOLE 0 0 289,355
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854 7,236,572 293,454 SH SOLE 0 0 293,454
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 858,755 31,002 SH SOLE 0 0 31,002
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 10,853,007 368,774 SH SOLE 0 0 368,774
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 2,608,857 77,094 SH SOLE 0 0 77,094
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 527,794 15,162 SH SOLE 0 0 15,162
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 927,256 25,149 SH SOLE 0 0 25,149
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 660,539 28,558 SH SOLE 0 0 28,558
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 7,496,815 236,418 SH SOLE 0 0 236,418
SHELL PLC SPON ADS 780259305 775,400 10,000 SH SOLE 0 0 10,000
SELECT SECTOR SPDR TR ST STR DISCR ETF 81369Y407 1,738,090 14,820 SH SOLE 0 0 14,820
SELECT SECTOR SPDR TR ST STR INDL ETF 81369Y704 1,876,750 10,132 SH SOLE 0 0 10,132
SPDR SERIES TRUST ST STR AGGRE ETF 78464A649 591,644 23,184 SH SOLE 0 0 23,184
SPDR SERIES TRUST ST INTER BD ETF 78464A375 3,042,771 90,938 SH SOLE 0 0 90,938
TORONTO DOMINION BK ONT COM NEW 891160509 370,362 3,050 SH SOLE 0 0 3,050
UNILEVER PLC SPON ADR NEW 904767803 269,518 4,483 SH SOLE 0 0 4,483
VANECK ETF TRUST SEMICONDUCTR ETF 92189F676 3,158,766 4,816 SH SOLE 0 0 4,816
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 3,149,400 38,105 SH SOLE 0 0 38,105
VANGUARD INDEX FDS GROWTH ETF 922908736 572,659 6,648 SH SOLE 0 0 6,648
VANGUARD INDEX FDS VALUE ETF 922908744 8,082,588 37,088 SH SOLE 0 0 37,088
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 1,126,288 23,256 SH SOLE 0 0 23,256
VANGUARD WELLINGTON FD US MOMENTUM 921935508 364,035 1,459 SH SOLE 0 0 1,459
VANGUARD BD INDEX FDS VANGUARD ULTRA 92203C303 2,953,683 59,335 SH SOLE 0 0 59,335
WISDOMTREE TR JAPN HEDGE EQT 97717W851 1,503,898 8,667 SH SOLE 0 0 8,667