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
Berkshire Hathaway Inc CL B 084670702 33,441 67,158 SH SOLE 67,158 0 0
Alphabet Inc STK CL A 02079K305 26,468 76,923 SH SOLE 76,923 0 0
Schwab Fundamental U.S. Large FDT US LG 808524771 19,505 619,801 SH SOLE 619,801 0 0
Goldman Sachs ActiveBeta Inter ACTIVEBETA INT 381430107 16,811 366,737 SH SOLE 366,737 0 0
Marathon Petroleum Corp COM 56585A102 16,363 41,382 SH SOLE 41,382 0 0
VanEck Vectors Investment Grade Floating Rate ETF INVT GRADE FLTG 92189F486 15,055 588,306 SH SOLE 588,306 0 0
VanEck Vectors Gold Miners ETF GOLD MINER ETF 92189F106 14,617 166,477 SH SOLE 166,477 0 0
PIMCO Multisector Bond Active ETF MULTISECTOR BD 72201R585 13,188 519,433 SH SOLE 519,433 0 0
Apple Inc COM 037833100 12,876 38,666 SH SOLE 38,666 0 0
Microsoft Corp COM 594918104 12,793 24,942 SH SOLE 24,942 0 0
iShares Edge MSCI Min Vol USA MSCI MIN VOL ETF 46429B697 12,692 130,257 SH SOLE 130,257 0 0
Janus Henderson AAA CLO ETF HENDRSON AAA CL 47103U845 12,276 243,232 SH SOLE 243,232 0 0
Schwab Intermediate Treasury INT TRM US TRES 808524854 11,489 484,783 SH SOLE 484,783 0 0
Meta Platforms Inc Class A CL A 30303M102 11,295 15,575 SH SOLE 15,575 0 0
Ishares S&P Midcap Growth S&P MC 400GR ETF 464287606 11,168 101,888 SH SOLE 101,888 0 0
Goldman Sachs Etf Tr Just Us Lrg Cp US LRG CP 381430396 11,061 101,461 SH SOLE 101,461 0 0
Schwab U.S. Large-Cap Value ET US LCAP VA ETF 808524409 11,001 330,256 SH SOLE 330,256 0 0
iShares TIPS Bond ETF TIPS BD ETF 464287176 10,839 104,185 SH SOLE 104,185 0 0
Invesco QQQ Trust QQQ TR UNIT SER 1 46090E103 10,014 13,537 SH SOLE 13,537 0 0
WisdomTree US MidCap Dividend ETF MIDCAP DIVI FD 97717W505 9,656 178,976 SH SOLE 178,976 0 0
JPMorgan Chase & Co COM 46625H100 9,347 28,254 SH SOLE 28,254 0 0
Amazon.com Inc COM 023135106 9,053 36,336 SH SOLE 36,336 0 0
iShares Morningstar Large-Cap Growth ETF TR GRWT 464287119 8,764 74,925 SH SOLE 74,925 0 0
Schwab US Mid Cap ETF US MID CAP ETF 808524508 8,666 254,723 SH SOLE 254,723 0 0
Avantis Emerging Markets Equity ETF AVANTIS EMGMKT 025072604 8,269 87,945 SH SOLE 87,945 0 0
Goldman Sachs Acss Invmt Grd Corp Bd ETF ACCESS INVT GR 381430479 8,120 186,635 SH SOLE 186,635 0 0
Morgan Stanley COM 617446448 8,073 42,922 SH SOLE 42,922 0 0
iShares Core S&P Small-Cap ETF ETF TR EQUITY 464287804 8,014 58,911 SH SOLE 58,911 0 0
Xtrackers MSCI EAFE High Div Yld Eq ETF MSCI EAFE 233051630 7,961 246,104 SH SOLE 246,104 0 0
Avantis US Small Cap Value ETF US SML CP VALU 025072877 7,814 66,346 SH SOLE 66,346 0 0
Avantis US Large Cap Value ETF US LARGE CAP VLU 025072349 7,671 84,821 SH SOLE 84,821 0 0
WisdomTree U.S. Quality Divide US QTLY DIV GRT 97717X669 7,516 77,290 SH SOLE 77,290 0 0
iShares 7-10 Year Treasury Bond ETF TR 7 10 YR Tsy 464287440 7,495 83,916 SH SOLE 83,916 0 0
Chevron Corp COM 166764100 7,228 35,393 SH SOLE 35,393 0 0
iShares MSCI EAFE Growth ETF EAFE GRWTH ETF 464288885 6,878 57,398 SH SOLE 57,398 0 0
NVIDIA Corp COM 67066G104 6,604 28,918 SH SOLE 28,918 0 0
Canadian National Railway Co COM 136375102 6,243 52,506 SH SOLE 52,506 0 0
Laboratory Corp of America Hol COM 504922105 5,474 17,765 SH SOLE 17,765 0 0
NextEra Energy Inc COM 65339F101 5,331 70,383 SH SOLE 70,383 0 0
First Trust Water ETF FD WTR ETF 33733B100 5,167 49,788 SH SOLE 49,788 0 0
Alps Alerian Mlp Etf ALERIAN MLP 00162Q452 4,866 93,816 SH SOLE 93,816 0 0
Direxion NASDAQ-100 Equal Wtd ETF TR NAS100 EQL WGT 25459Y207 4,735 39,426 SH SOLE 39,426 0 0
Sprouts Farmers Market Inc COM 85208M102 4,113 61,986 SH SOLE 61,986 0 0
Verizon Communications Inc COM 92343V104 3,790 82,630 SH SOLE 82,630 0 0
Sector Spdr Engy Select ENERGY 81369Y506 2,335 37,971 SH SOLE 37,971 0 0
Industrial Select Sector SPDR SPDR TR INDL 81369Y704 1,987 11,898 SH SOLE 11,898 0 0
Honeywell International COM 438516205 1,886 8,940 SH SOLE 8,940 0 0
SPDR S&P Aerospace & Defense ETF ST STR SP AERO 78464A631 1,827 7,901 SH SOLE 7,901 0 0
Paypal Holdings Inco COM 70450Y103 1,755 33,406 SH SOLE 33,406 0 0
Schwab International Equity ET INTL EQTY ETF 808524805 1,746 63,545 SH SOLE 63,545 0 0
Honeywell Aerospace Inc. COM 43849R105 1,325 8,548 SH SOLE 8,548 0 0
Enterprise Products Partners L COM 293792107 822 23,080 SH SOLE 23,080 0 0
Hartford Multifactor Dev Mkts (exUS) ETF INTL EQTY ETF 518416102 737 18,081 SH SOLE 18,081 0 0
Utilities Select Sector SPDR F SBI INT-UTILS 81369Y886 693 17,560 SH SOLE 17,560 0 0
Service Now Inc COM 81762P102 488 3,639 SH SOLE 3,639 0 0
PIMCO Enhanced Short Maturity Active ETF Enhan SHT MA AC 72201R833 475 4,728 SH SOLE 4,728 0 0
Automatic Data Processing Inc COM 053015103 475 1,841 SH SOLE 1,841 0 0
Johnson & Johnson COM 478160104 437 1,650 SH SOLE 1,650 0 0
Technology Select Sector SPDR SPDR TR TECH 81369Y803 351 1,792 SH SOLE 1,792 0 0
AbbVie Inc US BRD MKT ETF 00287Y109 343 1,312 SH SOLE 1,312 0 0
Ford Motor Co COM 345370860 285 23,593 SH SOLE 23,593 0 0
Tesla Inc COM 88160R101 223 629 SH SOLE 629 0 0
Schwab US Broad Market ETF COM 808524102 222 7,567 SH SOLE 7,567 0 0
Rockwell Automation Inc COM 773903109 218 500 SH SOLE 500 0 0
Visa Inc COM CL A 92826C839 208 578 SH SOLE 578 0 0
DTE Energy Co COM 233331107 204 1,677 SH SOLE 1,677 0 0
Exxon Mobil Corp COM SHS 30233Q108 202 1,240 SH SOLE 1,240 0 0
Apple Inc COM 037833100 584 1,754 SH SOLE 1,754 0 0
Marsh & McLennan Companies COM 571748102 469 2,748 SH SOLE 2,748 0 0
Tesla Inc COM 88160R101 182 513 SH SOLE 513 0 0