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
ABBVIE INC COM 00287Y109 722,700 2,500 SH SOLE 0 0 2,500
AMAZON COM INC COM 023135106 578,837 2,204 SH SOLE 0 0 2,204
APPLE INC COM 037833100 3,322,156 9,785 SH SOLE 0 0 9,785
BANK OF AMER CORP COM 060505104 356,322 7,036 SH SOLE 0 0 7,036
BLACKROCK ETF TRUST ISHARES US EQUIT 09290C103 14,069,980 203,795 SH SOLE 0 0 203,795
BLACKROCK ETF TRUST ISHA LA CORE ETF 09290C855 4,340,132 88,053 SH SOLE 0 0 88,053
BLACKROCK ETF TRUST ISHA I IN TE ETF 09290C780 3,779,348 89,771 SH SOLE 0 0 89,771
BLACKROCK ETF TRUST ISHA IN CTRY ETF 09290C764 5,131,964 143,672 SH SOLE 0 0 143,672
BLACKROCK ETF TRUST ISHARES DEFENSE 09290C699 355,444 11,758 SH SOLE 0 0 11,758
BLACKROCK ETF TRUST ISHA SYST AL ETF 09290C665 4,154,067 139,445 SH SOLE 0 0 139,445
BLACKROCK ETF TRUST II ISHA GLO USD ETF 092528835 3,582,272 71,531 SH SOLE 0 0 71,531
BLACKROCK ETF TRUST II ISHA FLEX IN ETF 092528603 3,571,339 70,538 SH SOLE 0 0 70,538
CISCO SYS INC COM 17275R102 595,975 5,585 SH SOLE 0 0 5,585
CORNING INC COM 219350105 226,826 1,715 SH SOLE 0 0 1,715
DIREXION SHARES ETF TRUST DAI SEM BUL ETF 25459W458 243,875 2,500 SH SOLE 0 0 2,500
EXXONMOBIL HOLDINGS CORP COM SHS 30233Q108 1,099,353 6,181 SH SOLE 0 0 6,181
GLOBAL X FDS DEFENSE TECH ETF 37960A529 2,244,126 36,591 SH SOLE 0 0 36,591
HOME DEPOT INC COM 437076102 301,922 958 SH SOLE 0 0 958
INNOVATOR ETFS TRUST EQUITY DEFINED 45783Y335 617,570 20,651 SH SOLE 0 0 20,651
INNOVATOR ETFS TRUST DEFINED WLT SHLD 45783Y855 248,470 7,087 SH SOLE 0 0 7,087
INNOVATOR ETFS TRUST US EQTY PWR BUF 45782C508 312,732 6,126 SH SOLE 0 0 6,126
INNOVATOR ETFS TRUST US EQT ULTRA BF 45782C300 210,572 4,510 SH SOLE 0 0 4,510
INNOVATOR ETFS TRUST EQUI DEFI 1 DECE 45784N858 224,391 8,320 SH SOLE 0 0 8,320
INNOVATOR ETFS TRUST EQUITY DEF PROTN 45784N775 1,596,633 60,330 SH SOLE 0 0 60,330
INNOVATOR ETFS TRUST EQUIT DEFIN JUL 45783Y244 2,455,818 80,810 SH SOLE 0 0 80,810
INVESCO QQQ TR UNIT SER 1 46090E103 424,591 592 SH SOLE 0 0 592
ISHARES INC CORE MSCI EMKT 46434G103 5,298,946 68,488 SH SOLE 0 0 68,488
ISHARES TR US TREAS BD ETF 46429B267 317,724 14,406 SH SOLE 0 0 14,406
ISHARES TR MSCI USA MMENTM 46432F396 1,358,191 4,591 SH SOLE 0 0 4,591
ISHARES TR MSCI USA QLT FCT 46432F339 900,234 3,989 SH SOLE 0 0 3,989
ISHARES TR CORE S&P500 ETF 464287200 324,654 420 SH SOLE 0 0 420
ISHARES TR RUS 1000 VAL ETF 464287598 787,016 3,054 SH SOLE 0 0 3,054
ISHARES TR CORE US AGGBD ET 464287226 1,200,307 12,599 SH SOLE 0 0 12,599
ISHARES TR IBOXX INV CP ETF 464287242 206,440 2,000 SH SOLE 0 0 2,000
ISHARES TR NATIONAL MUN ETF 464288414 617,435 6,033 SH SOLE 0 0 6,033
ISHARES TR SHRT NAT MUN ETF 464288158 799,935 7,596 SH SOLE 0 0 7,596
ISHARES TR CORE 80 20 ETF 464289859 281,203 2,893 SH SOLE 0 0 2,893
ISHARES TR MBS ETF 464288588 487,198 5,384 SH SOLE 0 0 5,384
J P MORGAN EXCHANGE TRADED F INCOME ETF 46641Q159 420,855 9,369 SH SOLE 0 0 9,369
JOHN HANCOCK EXCHANGE TRADED MORTGAGE BACKED 47804J792 3,853,906 183,432 SH SOLE 0 0 183,432
JPMORGAN CHASE & CO COM 46625H100 261,758 781 SH SOLE 0 0 781
MICROSOFT CORP COM 594918104 403,646 759 SH SOLE 0 0 759
PIMCO ETF TR INTER MUN BD ACT 72201R866 664,656 13,185 SH SOLE 0 0 13,185
REGENERON PHARMACEUTICALS COM 75886F107 4,035,903 4,998 SH SOLE 0 0 4,998
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 7,020,150 259,429 SH SOLE 0 0 259,429
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 16,522,716 465,036 SH SOLE 0 0 465,036
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 16,038,438 467,048 SH SOLE 0 0 467,048
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 225,484 10,125 SH SOLE 0 0 10,125
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854 7,482,663 313,607 SH SOLE 0 0 313,607
SELECT SECTOR SPDR TR ST STR TECHN ETF 81369Y803 231,824 1,250 SH SOLE 0 0 1,250
SPDR GOLD TR GOLD SHS 78463V107 1,577,822 4,178 SH SOLE 0 0 4,178
SPDR SERIES TRUST ST NUVE TERM ETF 78468R739 622,113 13,228 SH SOLE 0 0 13,228
SPDR SERIES TRUST ST STR P500VAL 78464A508 659,395 10,376 SH SOLE 0 0 10,376
STATE STR SPDR DOW JONES IND UT SER 1 78467X109 289,447 552 SH SOLE 0 0 552
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 1,255,859 1,633 SH SOLE 0 0 1,633
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 7,641,672 108,010 SH SOLE 0 0 108,010
VANGUARD INDEX FDS MRNGSTR VAL ETF 922908744 1,023,990 4,561 SH SOLE 0 0 4,561
VANGUARD INDEX FDS MRNGSTR GRWT ETF 922908736 735,252 8,292 SH SOLE 0 0 8,292
VANGUARD INDEX FDS MRNGSTR TTL STK 922908769 296,016 785 SH SOLE 0 0 785
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 2,402,414 3,399 SH SOLE 0 0 3,399
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 237,252 4,073 SH SOLE 0 0 4,073
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 2,600,310 54,207 SH SOLE 0 0 54,207
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 1,039,771 18,232 SH SOLE 0 0 18,232
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 1,180,957 16,924 SH SOLE 0 0 16,924
VERIZON COMMUNICATIONS INC COM 92343V104 238,734 5,360 SH SOLE 0 0 5,360
WALMART INC COM 931142103 264,176 2,242 SH SOLE 0 0 2,242
WESTERN UN CO COM 959802109 65,205 10,500 SH SOLE 0 0 10,500