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 454 2,384 SH   SOLE   0 0 2,384
ABBVIE INC COM 00287Y109 204 2,209 SH   SOLE   0 0 2,209
APPLE INC COM 037833100 869 5,509 SH   SOLE   0 0 5,509
ARES CAP CORP COM 04010L103 167 10,735 SH   SOLE   0 0 10,735
AT&T INC COM 00206R102 448 15,715 SH   SOLE   0 0 15,715
BOEING CO COM 097023105 387 1,200 SH   SOLE   0 0 1,200
BRISTOL MYERS SQUIBB CO COM 110122108 1,462 28,120 SH   SOLE   0 0 28,120
CHEVRON CORP NEW COM 166764100 334 3,073 SH   SOLE   0 0 3,073
CONSOLIDATED EDISON INC COM 209115104 268 3,505 SH   SOLE   0 0 3,505
DOMINION ENERGY INC COM 25746U109 724 10,135 SH   SOLE   0 0 10,135
ENTERPRISE PRODS PARTNERS L COM 293792107 256 10,420 SH   SOLE   0 0 10,420
EXXON MOBIL CORP COM 30231G102 1,956 28,691 SH   SOLE   0 0 28,691
FS KKR CAPITAL CORP COM 302635107 471 91,009 SH   SOLE   0 0 91,009
INTEL CORP COM 458140100 231 4,930 SH   SOLE   0 0 4,930
INTERNATIONAL BUSINESS MACHS COM 459200101 212 1,863 SH   SOLE   0 0 1,863
INVESCO QQQ TR UNIT SER 1 46090E103 15,965 103,493 SH   SOLE   0 0 103,493
ISHARES TR CORE S&P500 ETF 464287200 14,281 56,760 SH   SOLE   0 0 56,760
ISHARES TR CORE US AGGBD ET 464287226 61,300 575,642 SH   SOLE   0 0 575,642
ISHARES TR CORE S&P MCP ETF 464287507 1,851 11,144 SH   SOLE   0 0 11,144
ISHARES TR RUS 1000 ETF 464287622 14,904 107,459 SH   SOLE   0 0 107,459
ISHARES TR RUSSELL 3000 ETF 464287689 5,005 34,069 SH   SOLE   0 0 34,069
ISHARES TR INTRM TR CRP ETF 464288638 38,435 733,215 SH   SOLE   0 0 733,215
ISHARES TR CORE 1 5 YR USD 46432F859 2,435 49,632 SH   SOLE   0 0 49,632
JPMORGAN CHASE & CO COM 46625H100 230 2,359 SH   SOLE   0 0 2,359
MARRIOTT INTL INC NEW CL A 571903202 489 4,507 SH   SOLE   0 0 4,507
MCDONALDS CORP COM 580135101 238 1,343 SH   SOLE   0 0 1,343
MERCK & CO INC COM 58933Y105 250 3,275 SH   SOLE   0 0 3,275
METTLER TOLEDO INTERNATIONAL COM 592688105 324 572 SH   SOLE   0 0 572
MICROSOFT CORP COM 594918104 771 7,591 SH   SOLE   0 0 7,591
ONEOK INC NEW COM 682680103 225 4,177 SH   SOLE   0 0 4,177
ORACLE CORP COM 68389X105 207 4,595 SH   SOLE   0 0 4,595
PEPSICO INC COM 713448108 303 2,741 SH   SOLE   0 0 2,741
PFIZER INC COM 717081103 337 7,710 SH   SOLE   0 0 7,710
PHILIP MORRIS INTL INC COM 718172109 359 5,381 SH   SOLE   0 0 5,381
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 77,543 1,298,871 SH   SOLE   0 0 1,298,871
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 9,848 205,467 SH   SOLE   0 0 205,467
SCIENCE APPLICATNS INTL CP N COM 808625107 291 4,571 SH   SOLE   0 0 4,571
SELECT SECTOR SPDR TR SBI INT-FINL 81369Y605 8,257 346,637 SH   SOLE   0 0 346,637
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704 8,218 127,591 SH   SOLE   0 0 127,591
SPDR DOW JONES INDL AVRG ETF UT SER 1 78467X109 6,635 28,450 SH   SOLE   0 0 28,450
TEXAS INSTRS INC COM 882508104 236 2,493 SH   SOLE   0 0 2,493
UNION PAC CORP COM 907818108 202 1,463 SH   SOLE   0 0 1,463
VANGUARD BD INDEX FD INC TOTAL BND MRKT 921937835 17,204 217,198 SH   SOLE   0 0 217,198
VANGUARD INDEX FDS GROWTH ETF 922908736 27,011 201,082 SH   SOLE   0 0 201,082
VANGUARD INDEX FDS TOTAL STK MKT 922908769 386 3,025 SH   SOLE   0 0 3,025
VANGUARD WORLD FDS UTILITIES ETF 92204A876 226 1,916 SH   SOLE   0 0 1,916
VERIZON COMMUNICATIONS INC COM 92343V104 476 8,467 SH   SOLE   0 0 8,467
W P CAREY INC COM 92936U109 590 9,036 SH   SOLE   0 0 9,036
WD-40 CO COM 929236107 247 1,350 SH   SOLE   0 0 1,350
WELLTOWER INC COM 95040Q104 288 4,147 SH   SOLE   0 0 4,147