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
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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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
3M CO COM 88579Y101   387,462 3,231 SH   SOLE   3,231 0 0
ABBOTT LABS COM 002824100   213,922 1,948 SH   SOLE   1,948 0 0
ABBVIE INC COM 00287Y109   1,037,375 6,419 SH   SOLE   6,419 0 0
ALPHABET INC CAP STK CL A 02079K305   349,567 3,962 SH   SOLE   3,962 0 0
AMGEN INC COM 031162100   276,560 1,053 SH   SOLE   1,053 0 0
APPLE INC COM 037833100   13,268,216 102,118 SH   SOLE   102,118 0 0
AT&T INC COM 00206R102   307,343 16,694 SH   SOLE   16,694 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103   280,661 1,175 SH   SOLE   1,175 0 0
BROADCOM INC COM 11135F101   344,424 616 SH   SOLE   616 0 0
CATERPILLAR INC COM 149123101   381,619 1,593 SH   SOLE   1,593 0 0
CHEVRON CORP NEW COM 166764100   572,932 3,192 SH   SOLE   3,192 0 0
CIGNA CORP NEW COM 125523100   594,755 1,795 SH   SOLE   1,795 0 0
CISCO SYS INC COM 17275R102   630,134 13,227 SH   SOLE   13,227 0 0
COCA COLA CO COM 191216100   322,884 5,076 SH   SOLE   5,076 0 0
COMCAST CORP NEW CL A 20030N101   247,553 7,079 SH   SOLE   7,079 0 0
COMMERCIAL METALS CO COM 201723103   242,418 5,019 SH   SOLE   5,019 0 0
COSTCO WHSL CORP NEW COM 22160K105   554,191 1,214 SH   SOLE   1,214 0 0
DANAHER CORPORATION COM 235851102   225,076 848 SH   SOLE   848 0 0
DIREXION SHS ETF TR NAS100 EQL WGT 25459Y207   310,469 4,864 SH   SOLE   4,864 0 0
EMERSON ELEC CO COM 291011104   262,052 2,728 SH   SOLE   2,728 0 0
EXXON MOBIL CORP COM 30231G102   872,583 7,911 SH   SOLE   7,911 0 0
GILEAD SCIENCES INC COM 375558103   337,305 3,929 SH   SOLE   3,929 0 0
GLOBAL X FDS RATE PREFERRED 37954Y376   1,841,541 81,846 SH   SOLE   81,846 0 0
HOME DEPOT INC COM 437076102   910,940 2,884 SH   SOLE   2,884 0 0
INDEXIQ ACTIVE ETF TR IQ MACKAY INSRED 45409F843   1,969,778 82,938 SH   SOLE   82,938 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101   304,745 2,163 SH   SOLE   2,163 0 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2026 MUNI 46138J510   325,590 13,849 SH   SOLE   13,849 0 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2027 MUNI 46138J494   332,073 14,119 SH   SOLE   14,119 0 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2023 CB 46138J866   232,144 11,065 SH   SOLE   11,065 0 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2023 MUNI 46138J544   380,242 15,128 SH   SOLE   15,128 0 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2025 MUNI 46138J528   337,926 13,895 SH   SOLE   13,895 0 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2024 MUNI 46138J536   379,739 15,343 SH   SOLE   15,343 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   458,356 3,245 SH   SOLE   3,245 0 0
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613   584,450 3,767 SH   SOLE   3,767 0 0
ISHARES TR CORE S&P500 ETF 464287200   1,526,088 3,972 SH   SOLE   3,972 0 0
ISHARES TR CORE S&P SCP ETF 464287804   288,747 3,051 SH   SOLE   3,051 0 0
ISHARES TR CORE S&P MCP ETF 464287507   286,156 1,183 SH   SOLE   1,183 0 0
ISHARES TR SHORT TREAS BD 464288679   8,144,425 74,094 SH   SOLE   74,094 0 0
ISHARES TR RUS 1000 VAL ETF 464287598   28,036,998 184,880 SH   SOLE   184,880 0 0
ISHARES TR RUS 2000 VAL ETF 464287630   404,778 2,919 SH   SOLE   2,919 0 0
ISHARES TR MSCI EMG MKT ETF 464287234   3,845,568 101,466 SH   SOLE   101,466 0 0
ISHARES TR MSCI USA QLT FCT 46432F339   497,435 4,365 SH   SOLE   4,365 0 0
ISHARES TR S&P 100 ETF 464287101   416,703 2,443 SH   SOLE   2,443 0 0
ISHARES TR RUSSELL 2000 ETF 464287655   15,585,484 89,387 SH   SOLE   89,387 0 0
ISHARES TR RUS 1000 GRW ETF 464287614   27,017,592 126,109 SH   SOLE   126,109 0 0
ISHARES TR NATIONAL MUN ETF 464288414   2,503,628 23,727 SH   SOLE   23,727 0 0
ISHARES TR MSCI EAFE ETF 464287465   21,745,441 331,283 SH   SOLE   331,283 0 0
JOHNSON & JOHNSON COM 478160104   1,081,098 6,120 SH   SOLE   6,120 0 0
JPMORGAN CHASE & CO COM 46625H100   1,209,314 9,018 SH   SOLE   9,018 0 0
LAZARD LTD SHS A G54050102   1,690,579 48,762 SH   SOLE   48,762 0 0
LILLY ELI & CO COM 532457108   294,501 805 SH   SOLE   805 0 0
LOCKHEED MARTIN CORP COM 539830109   506,436 1,041 SH   SOLE   1,041 0 0
LOWES COS INC COM 548661107   367,797 1,846 SH   SOLE   1,846 0 0
MCDONALDS CORP COM 580135101   266,165 1,010 SH   SOLE   1,010 0 0
MERCK & CO INC COM 58933Y105   679,063 6,120 SH   SOLE   6,120 0 0
MICROSOFT CORP COM 594918104   851,725 3,552 SH   SOLE   3,552 0 0
NIKE INC CL B 654106103   227,701 1,946 SH   SOLE   1,946 0 0
PEPSICO INC COM 713448108   483,266 2,675 SH   SOLE   2,675 0 0
PFIZER INC COM 717081103   530,744 10,358 SH   SOLE   10,358 0 0
PIMCO ETF TR MUNI INCOME OPP 72201R635   3,240,180 74,427 SH   SOLE   74,427 0 0
PROCTER AND GAMBLE CO COM 742718109   786,656 5,190 SH   SOLE   5,190 0 0
QUALCOMM INC COM 747525103   302,885 2,755 SH   SOLE   2,755 0 0
RELIANCE STEEL & ALUMINUM CO COM 759509102   203,047 1,003 SH   SOLE   1,003 0 0
SANMINA CORPORATION COM 801056102   210,770 3,679 SH   SOLE   3,679 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   220,508 1,772 SH   SOLE   1,772 0 0
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109   516,799 1,560 SH   SOLE   1,560 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   6,455,959 16,881 SH   SOLE   16,881 0 0
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   1,185,928 2,678 SH   SOLE   2,678 0 0
SPDR SER TR BLOOMBERG 1-3 MO 78468R663   6,662,400 72,837 SH   SOLE   72,837 0 0
SPDR SER TR NUVEEN BLMBRG SH 78468R739   5,776,192 122,950 SH   SOLE   122,950 0 0
SPDR SER TR PORTFOLI S&P1500 78464A805   271,114 5,733 SH   SOLE   5,733 0 0
SPDR SER TR BBG CONV SEC ETF 78464A359   7,318,689 113,750 SH   SOLE   113,750 0 0
SPDR SER TR S&P 600 SML CAP 78464A813   1,363,535 16,586 SH   SOLE   16,586 0 0
TEXAS INSTRS INC COM 882508104   1,020,812 6,179 SH   SOLE   6,179 0 0
UNITEDHEALTH GROUP INC COM 91324P102   1,239,031 2,337 SH   SOLE   2,337 0 0
US BANCORP DEL COM NEW 902973304   300,604 6,893 SH   SOLE   6,893 0 0
VANGUARD INDEX FDS VALUE ETF 922908744   272,177 1,939 SH   SOLE   1,939 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629   563,946 2,767 SH   SOLE   2,767 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   428,741 10,999 SH   SOLE   10,999 0 0
VANGUARD SCOTTSDALE FDS VNG RUS3000IDX 92206C599   326,325 1,900 SH   SOLE   1,900 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   13,358,411 177,662 SH   SOLE   177,662 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   2,982,472 71,062 SH   SOLE   71,062 0 0
VERIZON COMMUNICATIONS INC COM 92343V104   290,733 7,379 SH   SOLE   7,379 0 0
VISA INC COM CL A 92826C839   473,901 2,281 SH   SOLE   2,281 0 0
WALGREENS BOOTS ALLIANCE INC COM 931427108   306,501 8,204 SH   SOLE   8,204 0 0
WALMART INC COM 931142103   256,073 1,806 SH   SOLE   1,806 0 0