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
3M CO COM 88579Y101 657 3,700 SH   SOLE NONE 3,700 0 0
ABBOTT LABS COM 002824100 220 1,564 SH   SOLE NONE 1,564 0 0
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 268 647 SH   SOLE NONE 647 0 0
ALPHABET INC CAP STK CL C 02079K107 304 105 SH   SOLE NONE 105 0 0
ALPHABET INC CAP STK CL A 02079K305 623 215 SH   SOLE NONE 215 0 0
AMAZON COM INC COM 023135106 270 81 SH   SOLE NONE 81 0 0
AMGEN INC COM 031162100 279 1,240 SH   SOLE NONE 1,240 0 0
APPLE INC COM 037833100 18,012 101,437 SH   SOLE NONE 101,437 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103 240 975 SH   SOLE NONE 975 0 0
BLACKROCK CAP INVT CORP NOTE 5.000% 6/1 092533AC2 25 25,000 PRN   SOLE NONE 25,000 0 0
CATERPILLAR INC COM 149123101 256 1,240 SH   SOLE NONE 1,240 0 0
CHEVRON CORP NEW COM 166764100 333 2,840 SH   SOLE NONE 2,840 0 0
CIGNA CORP NEW COM 125523100 412 1,795 SH   SOLE NONE 1,795 0 0
COCA COLA CO COM 191216100 490 8,269 SH   SOLE NONE 8,269 0 0
COMCAST CORP NEW CL A 20030N101 411 8,166 SH   SOLE NONE 8,166 0 0
COSTCO WHSL CORP NEW COM 22160K105 895 1,577 SH   SOLE NONE 1,577 0 0
DANAHER CORPORATION COM 235851102 230 700 SH   SOLE NONE 700 0 0
DIREXION SHS ETF TR NAS100 EQL WGT 25459Y207 488 5,720 SH   SOLE NONE 5,720 0 0
EMERSON ELEC CO COM 291011104 320 3,447 SH   SOLE NONE 3,447 0 0
EXXON MOBIL CORP COM 30231G102 243 3,967 SH   SOLE NONE 3,967 0 0
GILEAD SCIENCES INC COM 375558103 314 4,325 SH   SOLE NONE 4,325 0 0
GLOBAL X FDS RATE PREFERRED 37954Y376 3,538 127,538 SH   SOLE NONE 127,538 0 0
HOME DEPOT INC COM 437076102 997 2,403 SH   SOLE NONE 2,403 0 0
INDEXIQ ACTIVE ETF TR IQ MACKAY INSRED 45409F843 3,608 131,104 SH   SOLE NONE 131,104 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 505 3,778 SH   SOLE NONE 3,778 0 0
INVESCO EXCH TRADED FD TR II SR LN ETF 46138G508 640 28,941 SH   SOLE NONE 28,941 0 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2022 CB 46138J882 457 21,347 SH   SOLE NONE 21,347 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 568 3,488 SH   SOLE NONE 3,488 0 0
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613 647 3,767 SH   SOLE NONE 3,767 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 317 797 SH   SOLE NONE 797 0 0
ISHARES TR MSCI EAFE ETF 464287465 20,711 263,230 SH   SOLE NONE 263,230 0 0
ISHARES TR CORE S&P MCP ETF 464287507 223 789 SH   SOLE NONE 789 0 0
ISHARES TR CORE S&P SCP ETF 464287804 354 3,088 SH   SOLE NONE 3,088 0 0
ISHARES TR CORE S&P500 ETF 464287200 2,056 4,309 SH   SOLE NONE 4,309 0 0
ISHARES TR RUS 1000 VAL ETF 464287598 26,149 155,713 SH   SOLE NONE 155,713 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 30,111 98,533 SH   SOLE NONE 98,533 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 19,164 86,148 SH   SOLE NONE 86,148 0 0
ISHARES TR RUS 2000 VAL ETF 464287630 495 2,979 SH   SOLE NONE 2,979 0 0
ISHARES TR NATIONAL MUN ETF 464288414 4,668 40,144 SH   SOLE NONE 40,144 0 0
ISHARES TR S&P 100 ETF 464287101 568 2,593 SH   SOLE NONE 2,593 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 15,187 310,899 SH   SOLE NONE 310,899 0 0
ISHARES TR MSCI USA QLT FCT 46432F339 670 4,605 SH   SOLE NONE 4,605 0 0
ISHARES TR 0-5 YR TIPS ETF 46429B747 9,058 85,549 SH   SOLE NONE 85,549 0 0
ISHARES TR GLOBAL REIT ETF 46434V647 216 7,044 SH   SOLE NONE 7,044 0 0
ISHARES TR IBONDS DEC2022 46435G755 205 7,879 SH   SOLE NONE 7,879 0 0
ISHARES TR IBONDS DEC2023 46435G318 219 8,451 SH   SOLE NONE 8,451 0 0
JOHNSON & JOHNSON COM 478160104 1,034 6,046 SH   SOLE NONE 6,046 0 0
JPMORGAN CHASE & CO COM 46625H100 1,050 6,630 SH   SOLE NONE 6,630 0 0
KIMBERLY-CLARK CORP COM 494368103 361 2,526 SH   SOLE NONE 2,526 0 0
LAZARD LTD SHS A G54050102 2,127 48,762 SH   SOLE NONE 48,762 0 0
LILLY ELI & CO COM 532457108 222 805 SH   SOLE NONE 805 0 0
LOCKHEED MARTIN CORP COM 539830109 408 1,148 SH   SOLE NONE 1,148 0 0
LOWES COS INC COM 548661107 525 2,033 SH   SOLE NONE 2,033 0 0
MCDONALDS CORP COM 580135101 393 1,467 SH   SOLE NONE 1,467 0 0
MERCK & CO INC COM 58933Y105 462 6,029 SH   SOLE NONE 6,029 0 0
MICROSOFT CORP COM 594918104 1,256 3,735 SH   SOLE NONE 3,735 0 0
NEXTERA ENERGY INC COM 65339F101 222 2,379 SH   SOLE NONE 2,379 0 0
NIKE INC CL B 654106103 359 2,154 SH   SOLE NONE 2,154 0 0
ONEOK INC NEW COM 682680103 278 4,737 SH   SOLE NONE 4,737 0 0
ORACLE CORP COM 68389X105 427 4,901 SH   SOLE NONE 4,901 0 0
PALANTIR TECHNOLOGIES INC CL A 69608A108 1,233 67,702 SH   SOLE NONE 67,702 0 0
PEPSICO INC COM 713448108 511 2,944 SH   SOLE NONE 2,944 0 0
PFIZER INC COM 717081103 518 8,767 SH   SOLE NONE 8,767 0 0
PIMCO ETF TR MUNI INCOME OPP 72201R635 3,433 68,672 SH   SOLE NONE 68,672 0 0
PROCTER AND GAMBLE CO COM 742718109 661 4,044 SH   SOLE NONE 4,044 0 0
QUALCOMM INC COM 747525103 778 4,256 SH   SOLE NONE 4,256 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870 346 5,501 SH   SOLE NONE 5,501 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 308 1,772 SH   SOLE NONE 1,772 0 0
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109 566 1,559 SH   SOLE NONE 1,559 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 3,120 6,569 SH   SOLE NONE 6,569 0 0
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 347 670 SH   SOLE NONE 670 0 0
SPDR SER TR NUVEEN BLMBRG MU 78468R721 926 17,895 SH   SOLE NONE 17,895 0 0
SPDR SER TR BLOOMBERG CONV 78464A359 11,598 139,797 SH   SOLE NONE 139,797 0 0
SSGA ACTIVE ETF TR BLACKSTONE SENR 78467V608 14,448 316,641 SH   SOLE NONE 316,641 0 0
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100 468 3,891 SH   SOLE NONE 3,891 0 0
TARGET CORP COM 87612E106 288 1,244 SH   SOLE NONE 1,244 0 0
TEXAS INSTRS INC COM 882508104 1,106 5,868 SH   SOLE NONE 5,868 0 0
UNITEDHEALTH GROUP INC COM 91324P102 1,306 2,601 SH   SOLE NONE 2,601 0 0
US BANCORP DEL COM NEW 902973304 306 5,449 SH   SOLE NONE 5,449 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 401 4,733 SH   SOLE NONE 4,733 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 789 3,095 SH   SOLE NONE 3,095 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611 218 1,218 SH   SOLE NONE 1,218 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 233 2,010 SH   SOLE NONE 2,010 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 1,420 28,703 SH   SOLE NONE 28,703 0 0
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 1,696 33,224 SH   SOLE NONE 33,224 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 440 8,472 SH   SOLE NONE 8,472 0 0
VISA INC COM CL A 92826C839 317 1,463 SH   SOLE NONE 1,463 0 0
WALMART INC COM 931142103 321 2,220 SH   SOLE NONE 2,220 0 0