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
ABBOTT LABORATORIES COM 002824100 262,081 2,652 SH SOLE 0 0 2,652
ABBVIE INC COM 00287Y109 520,544 1,990 SH SOLE 0 0 1,990
ADVANCED MICRO DEVICES INC COM 007903107 835,052 1,365 SH SOLE 0 0 1,365
ALPHABET INC CAP STK CL A 02079K305 426,787 1,240 SH SOLE 0 0 1,240
AMAZON COM INC COM 023135106 928,582 3,727 SH SOLE 0 0 3,727
APPLE INC COM 037833100 3,727,087 11,192 SH SOLE 0 0 11,192
APPLIED MATLS INC COM 038222105 349,401 683 SH SOLE 0 0 683
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 814,148 1,635 SH SOLE 0 0 1,635
CATERPILLAR INC COM 149123101 306,479 378 SH SOLE 0 0 378
CHEVRON CORPORATION COM 166764100 210,949 1,033 SH SOLE 0 0 1,033
CONOCOPHILLIPS COM 20825C104 323,888 2,588 SH SOLE 0 0 2,588
COSTCO WHOLESALE CORPORATION COM 22160K105 546,314 600 SH SOLE 0 0 600
DELL TECHNOLOGIES INC CL C 24703L202 1,261,703 2,345 SH SOLE 0 0 2,345
ELI LILLY & CO COM 532457108 1,227,662 1,061 SH SOLE 0 0 1,061
EXXONMOBIL HOLDINGS CORP COM SHS 30233Q108 780,051 4,793 SH SOLE 0 0 4,793
FIRST TR EXCHANGE-TRADED FD HLTH CARE ALPH 33734X143 303,316 2,320 SH SOLE 0 0 2,320
GAMESTOP CORP CL A 36467W109 893,661 36,254 SH SOLE 0 0 36,254
GE AEROSPACE COM NEW 369604301 4,934,467 15,801 SH SOLE 0 0 15,801
ILLINOIS TOOL WKS INC COM 452308109 255,222 992 SH SOLE 0 0 992
INTEL CORP COM 458140100 386,507 3,215 SH SOLE 0 0 3,215
INVESCO EXCH TRADED FD TR II PFD ETF 46138E511 478,956 47,563 SH SOLE 0 0 47,563
INVESCO QQQ TR UNIT SER 1 46090E103 3,679,701 4,974 SH SOLE 0 0 4,974
ISHARES GOLD TR ISHARES NEW 464285204 422,443 5,409 SH SOLE 0 0 5,409
ISHARES INC MSCI CDA ETF 464286509 747,844 12,810 SH SOLE 0 0 12,810
ISHARES TR MRGSTR MD CP GRW 464288307 205,423 2,188 SH SOLE 0 0 2,188
ISHARES TR CORE MSCI TOTAL 46432F834 212,084 2,233 SH SOLE 0 0 2,233
ISHARES TR MSCI EMG MKT ETF 464287234 240,785 3,605 SH SOLE 0 0 3,605
ISHARES TR SELECT DIVID ETF 464287168 254,011 1,670 SH SOLE 0 0 1,670
ISHARES TR US TREAS BD ETF 46429B267 274,317 12,543 SH SOLE 0 0 12,543
ISHARES TR CORE MSCI EAFE 46432F842 277,472 2,864 SH SOLE 0 0 2,864
ISHARES TR PFD AND INCM SEC 464288687 285,557 9,680 SH SOLE 0 0 9,680
ISHARES TR CORE 1 5 YR USD 46432F859 291,386 6,167 SH SOLE 0 0 6,167
ISHARES TR BROAD USD HIGH 46435U853 292,710 8,195 SH SOLE 0 0 8,195
ISHARES TR IBOXX INV CP ETF 464287242 319,748 3,129 SH SOLE 0 0 3,129
ISHARES TR NATIONAL MUN ETF 464288414 326,382 3,228 SH SOLE 0 0 3,228
ISHARES TR US HLTHCARE ETF 464287762 328,130 4,585 SH SOLE 0 0 4,585
ISHARES TR MRGSTR SM CP ETF 464288505 340,275 4,780 SH SOLE 0 0 4,780
ISHARES TR U.S. ENERGY ETF 464287796 346,166 5,342 SH SOLE 0 0 5,342
ISHARES TR INTL SEL DIV ETF 464288448 354,684 8,407 SH SOLE 0 0 8,407
ISHARES TR MSCI EAFE ETF 464287465 385,066 3,706 SH SOLE 0 0 3,706
ISHARES TR CORE S&P US VLU 464287663 533,989 4,842 SH SOLE 0 0 4,842
ISHARES TR RUS MID CAP ETF 464287499 539,283 5,054 SH SOLE 0 0 5,054
ISHARES TR S&P MC 400VL ETF 464287705 559,741 4,065 SH SOLE 0 0 4,065
ISHARES TR RUS 1000 VAL ETF 464287598 564,725 2,278 SH SOLE 0 0 2,278
ISHARES TR S&P 500 GRWT ETF 464287309 594,553 4,179 SH SOLE 0 0 4,179
ISHARES TR FUTU EXPO TE ETF 46434V381 642,838 7,708 SH SOLE 0 0 7,708
ISHARES TR S&P 500 VAL ETF 464287408 826,798 3,622 SH SOLE 0 0 3,622
ISHARES TR TIPS BD ETF 464287176 940,429 9,039 SH SOLE 0 0 9,039
ISHARES TR S&P SML 600 GWT 464287887 1,068,732 6,666 SH SOLE 0 0 6,666
ISHARES TR SP SMCP600VL ETF 464287879 1,191,120 9,298 SH SOLE 0 0 9,298
ISHARES TR CORE S&P SCP ETF 464287804 1,471,642 10,818 SH SOLE 0 0 10,818
ISHARES TR CORE S&P MCP ETF 464287507 1,611,846 22,402 SH SOLE 0 0 22,402
ISHARES TR 20 YR TR BD ETF 464287432 1,665,849 21,417 SH SOLE 0 0 21,417
ISHARES TR 1 3 YR TREAS BD 464287457 2,482,631 30,574 SH SOLE 0 0 30,574
ISHARES TR CORE S&P500 ETF 464287200 2,540,317 3,317 SH SOLE 0 0 3,317
ISHARES TR CORE US AGGBD ET 464287226 2,548,640 26,958 SH SOLE 0 0 26,958
ISHARES TR 7-10 YR TRSY BD 464287440 3,358,566 37,606 SH SOLE 0 0 37,606
ISHARES TR 3 7 YR TREAS BD 464288661 4,132,433 36,428 SH SOLE 0 0 36,428
ISHARES TR GLOBAL 100 ETF 464287572 5,330,749 37,017 SH SOLE 0 0 37,017
ISHARES U S ETF TR SHOR DURA BD ETF 46431W507 252,064 5,055 SH SOLE 0 0 5,055
JOHNSON & JOHNSON COM 478160104 227,412 859 SH SOLE 0 0 859
MCDONALDS CORP COM 580135101 247,868 1,073 SH SOLE 0 0 1,073
MICRON TECHNOLOGY INC COM 595112103 425,169 399 SH SOLE 0 0 399
MICROSOFT CORP COM 594918104 2,278,151 4,442 SH SOLE 0 0 4,442
NVIDIA CORPORATION COM 67066G104 2,570,696 11,256 SH SOLE 0 0 11,256
ORACLE CORP COM 68389X105 263,067 1,916 SH SOLE 0 0 1,916
OUTLOOK THERAPEUTICS INC COM 69012T305 31,007 54,066 SH SOLE 0 0 54,066
PALANTIR TECHNOLOGIES INC CL A 69608A108 937,495 5,012 SH SOLE 0 0 5,012
PHILLIPS 66 COM 718546104 224,909 881 SH SOLE 0 0 881
PIMCO ETF TR INTER MUN BD ACT 72201R866 415,905 8,370 SH SOLE 0 0 8,370
SCHWAB STRATEGIC TR 1 5YR CORP BD 808524714 463,341 19,226 SH SOLE 0 0 19,226
SCHWAB STRATEGIC TR 5 10YR CORP BD 808524698 587,839 27,418 SH SOLE 0 0 27,418
SCHWAB STRATEGIC TR US REIT ETF 808524847 696,484 31,601 SH SOLE 0 0 31,601
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 2,138,560 42,995 SH SOLE 0 0 42,995
SCHWAB STRATEGIC TR US TIPS ETF 808524870 3,803,719 151,362 SH SOLE 0 0 151,362
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 4,340,892 181,932 SH SOLE 0 0 181,932
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 4,760,363 130,600 SH SOLE 0 0 130,600
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854 5,289,649 223,192 SH SOLE 0 0 223,192
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 9,736,602 292,303 SH SOLE 0 0 292,303
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 11,878,520 349,163 SH SOLE 0 0 349,163
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 12,768,183 577,746 SH SOLE 0 0 577,746
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 13,206,144 404,724 SH SOLE 0 0 404,724
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 13,724,883 499,632 SH SOLE 0 0 499,632
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 15,252,568 424,508 SH SOLE 0 0 424,508
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 16,791,937 516,198 SH SOLE 0 0 516,198
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 17,853,267 609,119 SH SOLE 0 0 609,119
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 34,702,683 1,156,756 SH SOLE 0 0 1,156,756
SELECT SECTOR SPDR TR ST STR CARE ETF 81369Y209 278,398 1,653 SH SOLE 0 0 1,653
SELECT SECTOR SPDR TR ST STR UTIL ETF 81369Y886 301,006 7,632 SH SOLE 0 0 7,632
SPDR GOLD TR GOLD SHS 78463V107 1,284,573 3,373 SH SOLE 0 0 3,373
SPDR INDEX SHS FDS ST STR MSCI GLB 78463X475 814,343 9,414 SH SOLE 0 0 9,414
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 207,257 272 SH SOLE 0 0 272
TESLA INC COM 88160R101 238,998 674 SH SOLE 0 0 674
VANECK ETF TRUST FALLEN ANGEL HG 92189F437 549,176 19,747 SH SOLE 0 0 19,747
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 1,315,900 18,758 SH SOLE 0 0 18,758
VANGUARD BD INDEX FDS VANGUARD ULTRA 92203C303 1,354,598 27,338 SH SOLE 0 0 27,338
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 694,845 14,825 SH SOLE 0 0 14,825
VANGUARD INDEX FDS MRNGSTR MID CAP 922908629 282,377 3,601 SH SOLE 0 0 3,601
VANGUARD INDEX FDS MRNGSTR VAL ETF 922908744 470,742 2,179 SH SOLE 0 0 2,179
VANGUARD INDEX FDS MRNGSTR SML CAP 922908751 485,845 1,708 SH SOLE 0 0 1,708
VANGUARD INDEX FDS MRNGSTR GRWT ETF 922908736 652,189 7,238 SH SOLE 0 0 7,238
VANGUARD INDEX FDS MRNGSTR TTL STK 922908769 5,175,471 13,829 SH SOLE 0 0 13,829
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 6,574,075 9,380 SH SOLE 0 0 9,380
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 216,244 3,646 SH SOLE 0 0 3,646
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 802,138 9,668 SH SOLE 0 0 9,668
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 836,611 5,300 SH SOLE 0 0 5,300
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 493,272 10,415 SH SOLE 0 0 10,415
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 1,871,778 23,902 SH SOLE 0 0 23,902
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 1,887,249 24,430 SH SOLE 0 0 24,430
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 1,824,236 7,819 SH SOLE 0 0 7,819
VANGUARD STAR FDS VG TL INTL STK F 921909768 202,969 2,389 SH SOLE 0 0 2,389
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 224,795 3,184 SH SOLE 0 0 3,184
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 1,208,762 7,788 SH SOLE 0 0 7,788
VANGUARD WORLD FD CONSUM DIS ETF 92204A108 472,418 1,295 SH SOLE 0 0 1,295
VANGUARD WORLD FD UTILITIES ETF 92204A876 773,845 4,525 SH SOLE 0 0 4,525
VANGUARD WORLD FD CONSUM STP ETF 92204A207 1,020,454 4,676 SH SOLE 0 0 4,676
VANGUARD WORLD FD HEALTH CAR ETF 92204A504 1,174,012 3,714 SH SOLE 0 0 3,714
VANGUARD WORLD FD INF TECH ETF 92204A702 3,815,815 30,364 SH SOLE 0 0 30,364
VISA INC COM CL A 92826C839 332,362 925 SH SOLE 0 0 925
WALMART INC COM 931142103 223,184 2,148 SH SOLE 0 0 2,148
WILLIAMS SONOMA INC COM 969904101 270,565 1,187 SH SOLE 0 0 1,187