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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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
APPLE INC COM 037833100   2,902,120 17,529 SH   SOLE 0 0 0 17,529
AT&T INC COM 00206R102   243,053 12,177 SH   SOLE 0 0 0 12,177
DAVITA INC COM 23918K108   275,650 3,266 SH   SOLE 0 0 0 3,266
FLEXSHARES TR QUALT DIVD IDX 33939L860   1,180,562 21,508 SH   SOLE 0 0 0 21,508
GOLDMAN SACHS ETF TR ACTIVEBETA INT 381430107   2,317,809 73,025 SH   SOLE 0 0 0 73,025
GOLDMAN SACHS ETF TR ACCES TREASURY 381430529   1,638,007 16,387 SH   SOLE 0 0 0 16,387
INNOVATOR ETFS TR US EQTY PWR BUF 45782C573   1,334,437 41,643 SH   SOLE 0 0 0 41,643
INNOVATOR ETFS TR US EQTY PWR BUF 45782C417   727,721 24,744 SH   SOLE 0 0 0 24,744
INNOVATOR ETFS TR US EQTY BUFR MAR 45782C391   209,700 6,000 SH   SOLE 0 0 0 6,000
INNOVATOR ETFS TR US EQTY PWR BUF 45782C383   261,388 8,095 SH   SOLE 0 0 0 8,095
INNOVATOR ETFS TR US EQTY BUFR JUL 45782C789   287,360 8,737 SH   SOLE 0 0 0 8,737
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354   2,616,424 41,113 SH   SOLE 0 0 0 41,113
INVESCO EXCH TRD SLF IDX FD RUSL 1000 DYNM 46138J619   2,109,545 44,295 SH   SOLE 0 0 0 44,295
INVESCO QQQ TR UNIT SER 1 46090E103   252,448 791 SH   SOLE 0 0 0 791
ISHARES INC MSCI EQUAL WEITE 464286681   1,433,095 18,939 SH   SOLE 0 0 0 18,939
ISHARES INC MSCI GBL MIN VOL 464286525   2,885,573 29,109 SH   SOLE 0 0 0 29,109
ISHARES TR MSCI USA MIN VOL 46429B697   6,372,903 85,969 SH   SOLE 0 0 0 85,969
ISHARES TR MSCI USA MMENTM 46432F396   998,923 6,914 SH   SOLE 0 0 0 6,914
ISHARES TR MSCI USA QLT FCT 46432F339   1,227,950 9,812 SH   SOLE 0 0 0 9,812
ISHARES TR CORE DIV GRWTH 46434V621   422,581 8,330 SH   SOLE 0 0 0 8,330
ISHARES TR CORE MSCI PAC 46434V696   806,153 14,091 SH   SOLE 0 0 0 14,091
ISHARES TR GRWT ALLOCAT ETF 464289867   1,678,619 33,187 SH   SOLE 0 0 0 33,187
ISHARES TR SHORT TREAS BD 464288679   661,369 5,997 SH   SOLE 0 0 0 5,997
ISHARES TR MSCI ACWI ETF 464288257   1,819,682 19,657 SH   SOLE 0 0 0 19,657
ISHARES TR CORE S&P MCP ETF 464287507   1,021,608 4,097 SH   SOLE 0 0 0 4,097
ISHARES TR CORE S&P SCP ETF 464287804   11,143,464 116,017 SH   SOLE 0 0 0 116,017
ISHARES TR CORE S&P500 ETF 464287200   208,881 503 SH   SOLE 0 0 0 503
ISHARES TR RUS 1000 ETF 464287622   1,902,690 8,379 SH   SOLE 0 0 0 8,379
ISHARES TR CORE US AGGBD ET 464287226   1,826,174 18,282 SH   SOLE 0 0 0 18,282
ISHARES TR MSCI EAFE ETF 464287465   503,968 6,855 SH   SOLE 0 0 0 6,855
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   22,587,585 449,325 SH   SOLE 0 0 0 449,325
J P MORGAN EXCHANGE TRADED F ULTRA SHT MUNCPL 46641Q654   3,743,388 73,740 SH   SOLE 0 0 0 73,740
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332   269,740 4,917 SH   SOLE 0 0 0 4,917
J P MORGAN EXCHANGE TRADED F INCOME ETF 46641Q159   688,859 15,011 SH   SOLE 0 0 0 15,011
J P MORGAN EXCHANGE TRADED F ACTIVE GROWTH 46654Q609   918,555 18,784 SH   SOLE 0 0 0 18,784
JOHNSON & JOHNSON COM 478160104   338,034 2,035 SH   SOLE 0 0 0 2,035
PIMCO ETF TR ENHAN SHRT MA AC 72201R833   2,420,639 24,409 SH   SOLE 0 0 0 24,409
PIMCO ETF TR ACTIVE BD ETF 72201R775   15,396,100 165,603 SH   SOLE 0 0 0 165,603
PROCTER AND GAMBLE CO COM 742718109   6,522,619 42,977 SH   SOLE 0 0 0 42,977
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   2,269,133 47,068 SH   SOLE 0 0 0 47,068
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   1,648,484 33,808 SH   SOLE 0 0 0 33,808
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   514,127 12,309 SH   SOLE 0 0 0 12,309
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   4,716,397 71,940 SH   SOLE 0 0 0 71,940
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   8,197,865 111,173 SH   SOLE 0 0 0 111,173
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   5,958,655 88,133 SH   SOLE 0 0 0 88,133
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109   283,259 832 SH   SOLE 0 0 0 832
SPDR S&P 500 ETF TR TR UNIT 78462F103   3,891,948 9,413 SH   SOLE 0 0 0 9,413
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   333,430 730 SH   SOLE 0 0 0 730
SPDR SER TR PRTFLO S&P500 GW 78464A409   762,825 13,602 SH   SOLE 0 0 0 13,602
SPDR SER TR S&P DIVID ETF 78464A763   646,164 5,206 SH   SOLE 0 0 0 5,206
SPDR SER TR S&P 400 MDCP GRW 78464A821   419,977 6,127 SH   SOLE 0 0 0 6,127
SPDR SER TR MSCI USA STRTGIC 78468R812   1,406,744 11,971 SH   SOLE 0 0 0 11,971
SSGA ACTIVE ETF TR SPDR TR TACTIC 78467V848   3,627,604 88,306 SH   SOLE 0 0 0 88,306
TESLA INC COM 88160R101   551,727 2,968 SH   SOLE 0 0 0 2,968
VANECK ETF TRUST MRNGSTR WDE MOAT 92189F643   338,281 4,590 SH   SOLE 0 0 0 4,590
VANGUARD INDEX FDS MID CAP ETF 922908629   3,549,312 16,829 SH   SOLE 0 0 0 16,829
VANGUARD INDEX FDS SMALL CP ETF 922908751   362,659 1,918 SH   SOLE 0 0 0 1,918
VANGUARD INDEX FDS GROWTH ETF 922908736   245,879 985 SH   SOLE 0 0 0 985
VANGUARD INDEX FDS TOTAL STK MKT 922908769   3,981,426 19,360 SH   SOLE 0 0 0 19,360
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   970,930 10,397 SH   SOLE 0 0 0 10,397
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   794,228 5,084 SH   SOLE 0 0 0 5,084
WELLS FARGO CO NEW COM 949746101   273,813 6,904 SH   SOLE 0 0 0 6,904
WISDOMTREE TR US MIDCAP DIVID 97717W505   894,232 21,773 SH   SOLE 0 0 0 21,773
WISDOMTREE TR US SMALLCAP DIVD 97717W604   220,422 7,753 SH   SOLE 0 0 0 7,753