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
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
PFIZER INC COM 717081103 222 6,781 SH   SOLE   0 0 6,781
PIMCO ETF TR ACTIVE BD ETF 72201R775 13,911 124,657 SH   SOLE   0 0 124,657
SPDR S&P 500 ETF TR TR UNIT 78462F103 23,213 75,279 SH   SOLE   0 0 75,279
UNITED AIRLS HLDGS INC COM 910047109 823 23,774 SH   SOLE   0 0 23,774
ISHARES TR TIPS BD ETF 464287176 17,103 139,050 SH   SOLE   0 0 139,050
VANGUARD INDEX FDS LARGE CAP ETF 922908637 662 4,628 SH   SOLE   0 0 4,628
J P MORGAN EXCHANGE-TRADED F US AGGREGATE 46641Q613 49,245 1,759,992 SH   SOLE   0 0 1,759,992
AMAZON COM INC COM 023135106 430 156 SH   SOLE   0 0 156
SOUTHWEST AIRLS CO COM 844741108 239 6,987 SH   SOLE   0 0 6,987
APPLE INC COM 037833100 2,149 5,890 SH   SOLE   0 0 5,890
BOEING CO COM 097023105 343 1,871 SH   SOLE   0 0 1,871
PROCTER AND GAMBLE CO COM 742718109 270 2,254 SH   SOLE   0 0 2,254
DELTA AIR LINES INC DEL COM NEW 247361702 247 8,808 SH   SOLE   0 0 8,808
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 901 16,028 SH   SOLE   0 0 16,028
INTEL CORP COM 458140100 232 3,884 SH   SOLE   0 0 3,884
JPMORGAN CHASE & CO COM 46625H100 300 3,192 SH   SOLE   0 0 3,192
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 53,403 726,870 SH   SOLE   0 0 726,870
CISCO SYS INC COM 17275R102 306 6,556 SH   SOLE   0 0 6,556
SHOPIFY INC CL A 82509L107 240 253 SH   SOLE   0 0 253
NIO INC SPON ADS 62914V106 97 12,500 SH   SOLE   0 0 12,500
J P MORGAN EXCHANGE-TRADED F US QUALTY FCTR 46641Q761 39,157 1,286,778 SH   SOLE   0 0 1,286,778
ISHARES TR BARCLAYS 7 10 YR 464287440 390 3,199 SH   SOLE   0 0 3,199
ISHARES TR 3 7 YR TREAS BD 464288661 346 2,588 SH   SOLE   0 0 2,588
ISHARES TR NASDAQ BIOTECH 464287556 40,625 297,206 SH   SOLE   0 0 297,206
ISHARES TR IBOXX INV CP ETF 464287242 270 2,010 SH   SOLE   0 0 2,010
COLUMBIA PPTY TR INC COM NEW 198287203 529 40,271 SH   SOLE   0 0 40,271
FEDERAL SIGNAL CORP COM 313855108 949 31,931 SH   SOLE   0 0 31,931
ISHARES TR CORE US AGGBD ET 464287226 2,135 18,061 SH   SOLE   0 0 18,061
COCA COLA CO COM 191216100 203 4,548 SH   SOLE   0 0 4,548
INVESCO QQQ TR UNIT SER 1 46090e103 235 949 SH   SOLE   0 0 949
INTERNATIONAL BUSINESS MACHS COM 459200101 223 1,844 SH   SOLE   0 0 1,844
TESLA INC COM 88160R101 225 208 SH   SOLE   0 0 208
VERIZON COMMUNICATIONS INC COM 92343V104 251 4,560 SH   SOLE   0 0 4,560
BLACKROCK MUNIYIELD QUALITY COM 09254G108 218 17,066 SH   SOLE   0 0 17,066
MICROSOFT CORP COM 594918104 316 1,551 SH   SOLE   0 0 1,551
SPDR GOLD TR GOLD SHS 78463V107 32,119 191,903 SH   SOLE   0 0 191,903
MCDONALDS CORP COM 580135101 220 1,190 SH   SOLE   0 0 1,190
CELSION CORP COM PAR NEW 15117N503 89 24,000 SH   SOLE   0 0 24,000
BLACKROCK MUNIHOLDINGS FD II COM 09253P109 389 27,165 SH   SOLE   0 0 27,165
J P MORGAN EXCHANGE-TRADED F ULTRA SHRT INC 46641Q837 299 5,886 SH   SOLE   0 0 5,886
CATERPILLAR INC DEL COM 149123101 266 2,104 SH   SOLE   0 0 2,104
ISHARES TR CORE S&P500 ETF 464287200 2,332 7,531 SH   SOLE   0 0 7,531
ISHARES TR SHORT TREAS BD 464288679 385 3,473 SH   SOLE   0 0 3,473