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
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 1,899,429 12,239 SH SOLE 12,239 0 0
CALAMOS CONV OPPORTUNITIES & SH BEN INT 128117108 2,608,261 228,194 SH SOLE 228,194 0 0
ISHARES INC MSCI CDA ETF 464286509 362,773 6,214 SH SOLE 6,214 0 0
ISHARES TR US INFRASTRUC 46435U713 669,243 12,161 SH SOLE 12,161 0 0
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 1,452,426 43,603 SH SOLE 43,603 0 0
SPDR GOLD TR GOLD SHS 78463V107 3,401,405 8,931 SH SOLE 8,931 0 0
SELECT SECTOR SPDR TR ST STR UTIL ETF 81369Y886 1,136,972 28,828 SH SOLE 28,828 0 0
VANECK ETF TRUST MORN SMID MO ETF 92189H730 2,581,915 68,897 SH SOLE 68,897 0 0
CAPITAL GROUP CORE BALANCED SHS 14021D107 2,042,859 55,588 SH SOLE 55,588 0 0
ISHARES TR ISHARES BIOTECH 464287556 742,545 3,527 SH SOLE 3,527 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 10,105,170 309,690 SH SOLE 309,690 0 0
VANGUARD WHITEHALL FDS EM MK GOV BD ETF 921946885 639,650 10,132 SH SOLE 10,132 0 0
ISHARES TR CORE 60 BALA ETF 464289867 1,435,087 20,944 SH SOLE 20,944 0 0
ISHARES TR INTL SEL DIV ETF 464288448 1,157,901 27,445 SH SOLE 27,445 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 4,836,238 132,681 SH SOLE 132,681 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 14,047,569 511,379 SH SOLE 511,379 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 9,168,095 312,797 SH SOLE 312,797 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 6,203,052 182,335 SH SOLE 182,335 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 7,173,334 30,746 SH SOLE 30,746 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 4,160,981 70,156 SH SOLE 70,156 0 0
VANGUARD INDEX FDS MRNGSTR SML CP V 922908611 6,800,610 29,436 SH SOLE 29,436 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 1,297,645 18,498 SH SOLE 18,498 0 0
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 1,284,274 27,401 SH SOLE 27,401 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 5,056,948 168,565 SH SOLE 168,565 0 0
VANGUARD INDEX FDS MRNGSTR MID CAP 922908629 8,644,713 110,236 SH SOLE 110,236 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 9,572,488 135,568 SH SOLE 135,568 0 0
ISHARES TR EAFE SML CP ETF 464288273 3,538,473 41,915 SH SOLE 41,915 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 5,584,566 67,308 SH SOLE 67,308 0 0
VANGUARD INDEX FDS MRNGSTR SML CAP 922908751 8,496,675 29,866 SH SOLE 29,866 0 0
VANGUARD WORLD FD HEALTH CAR ETF 92204A504 616,123 1,949 SH SOLE 1,949 0 0
INVESCO MUNI INCOME OPP TRST COM 46132X101 85,331 14,892 SH SOLE 14,892 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 2,993,884 33,403 SH SOLE 33,403 0 0
SELECT SECTOR SPDR TR ST STR REAL ETF 81369Y860 673,166 16,455 SH SOLE 16,455 0 0
VANECK ETF TRUST MRNGSTR INT MOAT 92189F593 576,575 16,668 SH SOLE 16,668 0 0
VANECK ETF TRUST MRNGSTR WDE MOAT 92189F643 2,970,431 28,100 SH SOLE 28,100 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 1,666,051 2,377 SH SOLE 2,377 0 0
AMPLIFY ETF TR ETHO CLI LEA ETF 032108557 442,643 5,556 SH SOLE 5,556 0 0
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 1,088,767 21,889 SH SOLE 21,889 0 0
ISHARES TR ESG MSCI KLD ETF 464288570 3,217,135 22,008 SH SOLE 22,008 0 0
ISHARES TR TIPS BD ETF 464287176 283,043 2,721 SH SOLE 2,721 0 0
PROSHARES TR S&P SMALLCAP 600 74347B698 394,393 5,499 SH SOLE 5,499 0 0
ANNALY CAPITAL MANAGEMENT IN COM NEW 035710839 1,377,961 72,947 SH SOLE 72,947 0 0
FIRST TR EXCH TRADED FD III PFD SECS INC ETF 33739E108 487,549 28,595 SH SOLE 28,595 0 0
PIMCO DYNAMIC INCOME FD SHS 72201Y101 566,840 40,402 SH SOLE 40,402 0 0
PIMCO HIGH INCOME FD COM SHS 722014107 582,303 142,025 SH SOLE 142,025 0 0
VANECK ETF TRUST FALLEN ANGEL HG 92189F437 1,403,519 50,468 SH SOLE 50,468 0 0
VANGUARD INDEX FDS MRNGSTR TTL STK 922908769 5,109,111 13,652 SH SOLE 13,652 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768 2,158,195 25,402 SH SOLE 25,402 0 0
ISHARES TR MSCI USA MIN ETF 46429B697 1,626,620 16,694 SH SOLE 16,694 0 0
PUBLIC STORAGE COM 74460D109 356,378 1,260 SH SOLE 1,260 0 0
CHEVRON CORPORATION COM 166764100 1,799,703 8,813 SH SOLE 8,813 0 0
NEXTERA ENERGY INC COM 65339F101 491,553 6,490 SH SOLE 6,490 0 0
PROCTER & GAMBLE CO COM 742718109 547,415 3,768 SH SOLE 3,768 0 0
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 3,359,452 21,283 SH SOLE 21,283 0 0
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354 449,854 6,380 SH SOLE 6,380 0 0
VANGUARD WORLD FD MRNGSTR VAL ETF 921910840 872,396 5,416 SH SOLE 5,416 0 0
SPDR SERIES TRUST ST STR SP DIV 78464A763 467,516 3,192 SH SOLE 3,192 0 0
SPDR INDEX SHS FDS ST S&P INTL ETF 78463X772 307,138 6,714 SH SOLE 6,714 0 0
EVERPURE INC CL A 74624M102 336,105 2,570 SH SOLE 2,570 0 0
FIRST TR EXCHANGE TRADED FD RBA INDL ETF 33738R704 1,974,725 19,128 SH SOLE 19,128 0 0
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 755,526 991 SH SOLE 991 0 0
ISHARES INC MSCI GBL MIN VOL 464286525 3,570,400 29,092 SH SOLE 29,092 0 0
EXCHANGE TRADED CONCEPTS TRU ROBO GLB ETF 301505707 564,380 7,014 SH SOLE 7,014 0 0
SPDR SERIES TRUST ST STR BLO 1 ETF 78468R663 970,860 10,594 SH SOLE 10,594 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 1,033,413 1,397 SH SOLE 1,397 0 0
ISHARES INC MSCI EQUAL WEITE 464286681 352,391 3,165 SH SOLE 3,165 0 0
STARBUCKS CORP COM 855244109 457,720 4,871 SH SOLE 4,871 0 0
TARGET CORP COM 87612E106 327,952 2,093 SH SOLE 2,093 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 2,192,842 10,541 SH SOLE 10,541 0 0
ISHARES TR JPMORGAN USD EMG 464288281 255,235 2,810 SH SOLE 2,810 0 0
SCHWAB STRATEGIC TR FUND EM EQUI ETF 808524730 1,177,055 28,112 SH SOLE 28,112 0 0
SPDR SERIES TRUST ST STR R1K YLD 78468R770 638,872 5,197 SH SOLE 5,197 0 0
WELLS FARGO & CO COM 949746101 808,585 10,101 SH SOLE 10,101 0 0
APPLE INC COM 037833100 11,278,712 33,868 SH SOLE 33,868 0 0
JPMORGAN CHASE & CO COM 46625H100 1,049,062 3,171 SH SOLE 3,171 0 0
LINDE PLC SHS G54950103 399,181 841 SH SOLE 841 0 0
VANGUARD INDEX FDS MRNGSTR SM CP GR 922908595 2,338,659 6,923 SH SOLE 6,923 0 0
ISHARES TR MSCI EAFE ETF 464287465 598,117 5,757 SH SOLE 5,757 0 0
PEPSICO INC COM 713448108 350,114 2,763 SH SOLE 2,763 0 0
ABBOTT LABORATORIES COM 002824100 224,048 2,267 SH SOLE 2,267 0 0
FIRST TR EXCHANGE-TRADED FD DJ GLBL DIVID 33734X200 4,065,628 122,569 SH SOLE 122,569 0 0
ISHARES TR CONV BD ETF 46435G102 398,886 3,532 SH SOLE 3,532 0 0
ISHARES TR MSCI UK ETF NEW 46435G334 1,087,863 23,380 SH SOLE 23,380 0 0
SCHWAB STRATEGIC TR FUNDAMENTAL US S 808524763 397,130 11,347 SH SOLE 11,347 0 0
SPDR INDEX SHS FDS ST STR EU 50 ETF 78463X202 594,501 8,832 SH SOLE 8,832 0 0
CATERPILLAR INC COM 149123101 2,259,326 2,787 SH SOLE 2,787 0 0
CISCO SYS INC COM 17275R102 1,628,725 15,133 SH SOLE 15,133 0 0
DEERE & CO COM 244199105 670,207 998 SH SOLE 998 0 0
EXXONMOBIL HOLDINGS CORP COM SHS 30233Q108 227,362 1,397 SH SOLE 1,397 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 1,158,802 5,269 SH SOLE 5,269 0 0
ISHARES INC MSCI MEXICO ETF 464286822 523,772 7,368 SH SOLE 7,368 0 0
MERCK & CO INC COM 58933Y105 295,068 2,031 SH SOLE 2,031 0 0
MICROSOFT CORP COM 594918104 2,891,371 5,637 SH SOLE 5,637 0 0
ORACLE CORP COM 68389X105 382,655 2,787 SH SOLE 2,787 0 0
VANGUARD INDEX FDS MRNGSTR GRWT ETF 922908736 519,241 5,762 SH SOLE 5,762 0 0
VANGUARD INDEX FDS MRNGSTR VAL ETF 922908744 1,163,736 5,386 SH SOLE 5,386 0 0
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794 1,280,862 12,665 SH SOLE 12,665 0 0
ALPHABET INC CAP STK CL A 02079K305 1,953,003 5,676 SH SOLE 5,676 0 0
AMAZON COM INC COM 023135106 2,199,049 8,826 SH SOLE 8,826 0 0
BROADCOM INC COM 11135F101 1,086,469 3,094 SH SOLE 3,094 0 0
INTEL CORP COM 458140100 476,612 3,964 SH SOLE 3,964 0 0
META PLATFORMS INC CL A 30303M102 385,825 532 SH SOLE 532 0 0
NVIDIA CORPORATION COM 67066G104 3,114,677 13,638 SH SOLE 13,638 0 0
VANECK ETF TRUST REAL ASSETS ETF 92189F130 430,802 10,816 SH SOLE 10,816 0 0
HOME DEPOT INC COM 437076102 347,901 1,223 SH SOLE 1,223 0 0
SCHWAB STRATEGIC TR FUNDAMENTAL INTL 808524755 1,778,632 33,091 SH SOLE 33,091 0 0
SCHWAB STRATEGIC TR FUNDAMENTAL INTL 808524748 581,729 11,674 SH SOLE 11,674 0 0
SCHWAB STRATEGIC TR FUNDAMENTAL US L 808524771 352,527 11,202 SH SOLE 11,202 0 0
VANECK ETF TRUST PREFERRED SECURT 92189F429 214,602 12,249 SH SOLE 12,249 0 0
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 211,346 1,361 SH SOLE 1,361 0 0
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 397,737 8,081 SH SOLE 8,081 0 0
JOHNSON & JOHNSON COM 478160104 1,948,305 7,359 SH SOLE 7,359 0 0
DOUBLELINE YIELD OPPORTUNITI COM 25862D105 1,401,520 104,826 SH SOLE 104,826 0 0
ISHARES INC CORE MSCI EMKT 46434G103 208,222 2,566 SH SOLE 2,566 0 0
QUALCOMM INC COM 747525103 305,382 1,659 SH SOLE 1,659 0 0
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 791,779 3,418 SH SOLE 3,418 0 0
VANGUARD WORLD FD INF TECH ETF 92204A702 491,098 3,908 SH SOLE 3,908 0 0
BLACKROCK CORPOR HI YLD FD I COM 09255P107 558,573 71,247 SH SOLE 71,247 0 0
BLACKROCK CR ALLOCATION COM 092508100 161,721 17,371 SH SOLE 17,371 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 950,042 29,205 SH SOLE 29,205 0 0
ALPHABET INC CAP STK CL C 02079K107 1,076,079 3,158 SH SOLE 3,158 0 0
VANGUARD INDEX FDS MRNGSTR MD CP VA 922908512 754,217 3,857 SH SOLE 3,857 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 1,014,493 13,133 SH SOLE 13,133 0 0
AON PLC SHS CL A G0403H108 271,788 982 SH SOLE 982 0 0
CLEARWAY ENERGY INC CL C 18539C204 373,814 12,771 SH SOLE 12,771 0 0
MCDONALDS CORP COM 580135101 548,320 2,374 SH SOLE 2,374 0 0
STATE STR CORP COM 857477103 294,010 1,684 SH SOLE 1,684 0 0
ENTERPRISE PRODS PARTNERS L COM 293792107 569,048 15,980 SH SOLE 15,980 0 0
STATE STR SPDR S&P MIDCAP 40 UTSER1 S&PDCRP 78467Y107 583,499 889 SH SOLE 889 0 0
TESLA INC COM 88160R101 1,661,220 4,682 SH SOLE 4,682 0 0
INVESCO EXCH TRADED FD TR II PFD ETF 46138E511 300,590 29,850 SH SOLE 29,850 0 0
ISHARES TR GLOBAL 100 ETF 464287572 1,935,638 13,441 SH SOLE 13,441 0 0
WISDOMTREE TR ENHNCD CMMDTY ST 97717Y683 416,483 15,634 SH SOLE 15,634 0 0
US BANCORP COM NEW 902973304 392,421 6,794 SH SOLE 6,794 0 0
SPDR SERIES TRUST ST STR GLB DOW 78464A706 327,124 1,762 SH SOLE 1,762 0 0
VANGUARD WORLD FD UTILITIES ETF 92204A876 647,093 3,784 SH SOLE 3,784 0 0
VANECK ETF TRUST CLO ETF 92189H748 263,579 4,976 SH SOLE 4,976 0 0
GLOBAL X FDS US INFR DEV ETF 37954Y673 263,288 5,015 SH SOLE 5,015 0 0
PARK NATL CORP COM 700658107 650,322 3,640 SH SOLE 3,640 0 0
SPDR SERIES TRUST ST STR SP600SM C 78464A300 341,864 3,347 SH SOLE 3,347 0 0
ISHARES TR CORE S&P MCP ETF 464287507 1,488,055 20,682 SH SOLE 20,682 0 0
ISHARES INC MSCI EMERG MRKT 464286533 217,374 2,936 SH SOLE 2,936 0 0
VANGUARD ADMIRAL FDS INC 500 VAL IDX FD 921932703 745,996 3,386 SH SOLE 3,386 0 0
BLACKROCK RES & COMMODITIES SHS 09257A108 182,832 15,403 SH SOLE 15,403 0 0
ISHARES TR MSCI USA QLT FCT 46432F339 327,415 1,473 SH SOLE 1,473 0 0
INVESCO EXCHANGE TRADED FD T DJ INDL AVG DV 46137V605 251,320 4,000 SH SOLE 4,000 0 0
ISHARES TR CORE S&P SCP ETF 464287804 806,249 5,927 SH SOLE 5,927 0 0
ISHARES INC US PWR INFRA ETF 464286343 604,500 25,000 SH SOLE 25,000 0 0
ISHARES TR U.S. MED DVC ETF 464288810 325,314 6,360 SH SOLE 6,360 0 0
PLAINS ALL AMERN PIPELINE L UNIT LTD PARTN 726503105 415,100 17,500 SH SOLE 17,500 0 0
SELECT SECTOR SPDR TR ST STR ENERG ETF 81369Y506 631,113 10,262 SH SOLE 10,262 0 0
ISHARES TR MRGSTR SM CP GR 464288604 1,203,002 19,664 SH SOLE 19,664 0 0
ISHARES TR U.S. REAL ES ETF 464287739 753,033 7,923 SH SOLE 7,923 0 0
ISHARES TR MSCI EAFE MIN VL 46429B689 582,834 6,396 SH SOLE 6,396 0 0
ABBVIE INC COM 00287Y109 504,869 1,930 SH SOLE 1,930 0 0
COCA COLA CO COM 191216100 297,234 3,453 SH SOLE 3,453 0 0
OR ROYALTIES INC. COM SHS 68390D106 470,458 13,700 SH SOLE 13,700 0 0
ISHARES TR LOW CA OP MS ETF 46434V464 226,668 885 SH SOLE 885 0 0
VANGUARD INDEX FDS MRNGSTR MD CP GR 922908538 436,033 1,493 SH SOLE 1,493 0 0
SSGA ACTIVE TR SST BRIDGEWATER 78470P630 372,456 13,037 SH SOLE 13,037 0 0
TAIWAN SEMICONDUCTOR MANUFAC SPONSORED ADS 874039100 201,180 441 SH SOLE 441 0 0
ISHARES TR S&P MC 400GR ETF 464287606 321,260 2,931 SH SOLE 2,931 0 0
GE AEROSPACE COM NEW 369604301 265,966 852 SH SOLE 852 0 0
UNION PAC CORP COM 907818108 231,381 850 SH SOLE 850 0 0
LEGG MASON ETF INVT FRANKLIN INTL LW 52468L505 381,355 9,143 SH SOLE 9,143 0 0
DOUBLELINE INCOME SOLUTIONS COM 258622109 248,150 24,815 SH SOLE 24,815 0 0
VANGUARD INDEX FDS MRNGSTR LRG CAP 922908637 383,240 1,089 SH SOLE 1,089 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 243,296 3,107 SH SOLE 3,107 0 0
SELECT SECTOR SPDR TR ST STR TECHN ETF 81369Y803 740,171 3,781 SH SOLE 3,781 0 0
NORFOLK SOUTHN CORP COM 655844108 484,512 1,568 SH SOLE 1,568 0 0
LOEWS CORP COM 540424108 206,771 1,980 SH SOLE 1,980 0 0
PARKER-HANNIFIN CORP COM 701094104 432,283 452 SH SOLE 452 0 0
SPDR SERIES TRUST ST STR SP400GRW 78464A821 393,267 3,762 SH SOLE 3,762 0 0
BANK OF NY MELLON CORP COM 064058100 272,772 1,886 SH SOLE 1,886 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 595,548 1,196 SH SOLE 1,196 0 0
CAPITAL GROUP DIVIDEND VALUE SHS CREAT UNIT 14020W106 241,759 4,949 SH SOLE 4,949 0 0
COSTCO WHOLESALE CORPORATION COM 22160K105 297,123 326 SH SOLE 326 0 0
VANGUARD WORLD FD FINANCIALS ETF 92204A405 408,219 3,138 SH SOLE 3,138 0 0
MICRON TECHNOLOGY INC COM 595112103 795,696 747 SH SOLE 747 0 0
ISHARES TR RUS 2000 VAL ETF 464287630 575,946 2,750 SH SOLE 2,750 0 0
CALIFORNIA BANCORP COM 84252A106 274,113 12,839 SH SOLE 12,839 0 0
WILLIAMS SONOMA INC COM 969904101 351,483 1,542 SH SOLE 1,542 0 0
MORGAN STANLEY DIRECT LENDIN COM SHS 61774A103 244,915 17,969 SH SOLE 17,969 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 280,785 4,204 SH SOLE 4,204 0 0
TEXAS INSTRS INC COM 882508104 1,221,753 4,362 SH SOLE 4,362 0 0
INVESCO EXCHANGE TRADED FD T S&P500 QUALITY 46137V241 248,855 2,960 SH SOLE 2,960 0 0
OKTA INC CL A 679295105 220,411 1,054 SH SOLE 1,054 0 0
MCKESSON CORP COM 58155Q103 1,280,715 1,500 SH SOLE 1,500 0 0