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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ANNALY CAPITAL MANAGEMENT IN COM 035710409 385 55,857 SH   SOLE 0 0 0 55,857
APOLLO COML REAL EST FIN INC COM 03762U105 377 29,701 SH   SOLE 0 0 0 29,701
APPLE INC COM 037833100 740 4,581 SH   SOLE 0 0 0 4,581
ARBOR REALTY TRUST INC COM 038923108 345 20,840 SH   SOLE 0 0 0 20,840
CHEVRON CORP NEW COM 166764100 298 1,854 SH   SOLE 0 0 0 1,854
CORENERGY INFRASTRUCTURE TR COM NEW 21870U502 75 33,068 SH   SOLE 0 0 0 33,068
COSTCO WHSL CORP NEW COM 22160K105 233 426 SH   SOLE 0 0 0 426
DBX ETF TR XTRACK MSCI EAFE 233051200 736 20,276 SH   SOLE 0 0 0 20,276
DIVERSIFIED HEALTHCARE TR COM SH BEN INT 25525P107 122 68,360 SH   SOLE 0 0 0 68,360
ESSENTIAL PPTYS RLTY TR INC COM 29670E107 707 29,710 SH   SOLE 0 0 0 29,710
ETF SER SOLUTIONS HOYA CAP HOUSI 26922A230 630 17,521 SH   SOLE 0 0 0 17,521
FIDELITY COVINGTON TRUST CONSMR STAPLES 316092303 1,709 37,994 SH   SOLE 0 0 0 37,994
FRANKLIN TEMPLETON ETF TR FTSE UNTD KGDM 35473P678 372 16,057 SH   SOLE 0 0 0 16,057
INVESCO QQQ TR UNIT SER 1 46090E103 207 657 SH   SOLE 0 0 0 657
IRON MTN INC NEW COM 46284V101 406 8,324 SH   SOLE 0 0 0 8,324
ISHARES INC MSCI JPN ETF NEW 46434G822 389 6,969 SH   SOLE 0 0 0 6,969
ISHARES INC MSCI MEXICO ETF 464286822 481 10,454 SH   SOLE 0 0 0 10,454
ISHARES INC MSCI GERMANY ETF 464286806 1,226 51,996 SH   SOLE 0 0 0 51,996
ISHARES TR GLOBAL ENERG ETF 464287341 1,471 41,318 SH   SOLE 0 0 0 41,318
ISHARES TR MSCI UK ETF NEW 46435G334 3,187 104,048 SH   SOLE 0 0 0 104,048
ISHARES TR SP SMCP600VL ETF 464287879 377 3,883 SH   SOLE 0 0 0 3,883
ISHARES TR CORE S&P500 ETF 464287200 1,815 4,394 SH   SOLE 0 0 0 4,394
ISHARES TR RUS 1000 VAL ETF 464287598 1,253 8,129 SH   SOLE 0 0 0 8,129
ISHARES TR CORE US AGGBD ET 464287226 2,190 21,013 SH   SOLE 0 0 0 21,013
ISHARES TR EAFE VALUE ETF 464288877 4,107 92,571 SH   SOLE 0 0 0 92,571
ISHARES TR CORE DIV GRWTH 46434V621 1,438 28,416 SH   SOLE 0 0 0 28,416
ISHARES TR EXPONENTIAL TECH 46434V381 434 8,378 SH   SOLE 0 0 0 8,378
ISHARES TR MSCI CHINA A 46434V514 639 18,220 SH   SOLE 0 0 0 18,220
ISHARES TR BROAD USD HIGH 46435U853 2,007 55,100 SH   SOLE 0 0 0 55,100
ISHARES TR CORE MSCI TOTAL 46432F834 459 7,872 SH   SOLE 0 0 0 7,872
ISHARES TR CORE MSCI EAFE 46432F842 971 15,637 SH   SOLE 0 0 0 15,637
ISHARES TR CORE 1 5 YR USD 46432F859 767 16,114 SH   SOLE 0 0 0 16,114
ISHARES TR JPMORGAN USD EMG 464288281 1,661 18,856 SH   SOLE 0 0 0 18,856
ISHARES TR MBS ETF 464288588 1,607 15,989 SH   SOLE 0 0 0 15,989
ISHARES TR INTL SEL DIV ETF 464288448 262 9,505 SH   SOLE 0 0 0 9,505
ISHARES TR 10+ YR INVST GRD 464289511 396 7,186 SH   SOLE 0 0 0 7,186
J P MORGAN EXCHANGE TRADED F BETABULDRS JAPAN 46641Q217 3,504 75,224 SH   SOLE 0 0 0 75,224
OFFICE PPTYS INCOME TR COM SHS BEN INT 67623C109 326 15,833 SH   SOLE 0 0 0 15,833
READY CAPITAL CORP COM 75574U101 289 20,726 SH   SOLE 0 0 0 20,726
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 498 19,963 SH   SOLE 0 0 0 19,963
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730 1,587 62,520 SH   SOLE 0 0 0 62,520
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 545 7,944 SH   SOLE 0 0 0 7,944
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854 2,065 39,689 SH   SOLE 0 0 0 39,689
SCHWAB STRATEGIC TR US TIPS ETF 808524870 2,567 45,268 SH   SOLE 0 0 0 45,268
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 372 8,640 SH   SOLE 0 0 0 8,640
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100 207 2,674 SH   SOLE 0 0 0 2,674
SELECT SECTOR SPDR TR FINANCIAL 81369Y605 280 8,384 SH   SOLE 0 0 0 8,384
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308 370 4,906 SH   SOLE 0 0 0 4,906
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 446 13,004 SH   SOLE 0 0 0 13,004
SPDR SER TR S&P 600 SMCP VAL 78464A300 1,876 24,041 SH   SOLE 0 0 0 24,041
SPDR SER TR BBG CONV SEC ETF 78464A359 703 10,377 SH   SOLE 0 0 0 10,377
SPDR SER TR BLOOMBERG EMERGI 78464A391 339 16,648 SH   SOLE 0 0 0 16,648
SPDR SER TR PORTFOLIO S&P600 78468R853 637 16,176 SH   SOLE 0 0 0 16,176
SPDR SER TR BLOOMBERG 1 10 Y 78468R861 460 23,127 SH   SOLE 0 0 0 23,127
VANECK ETF TRUST JP MRGAN EM LOC 92189H300 3,387 140,731 SH   SOLE 0 0 0 140,731
VANGUARD BD INDEX FDS LONG TERM BOND 921937793 2,551 30,542 SH   SOLE 0 0 0 30,542
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 7,106 91,821 SH   SOLE 0 0 0 91,821
VANGUARD BD INDEX FDS INTERMED TERM 921937819 284 3,550 SH   SOLE 0 0 0 3,550
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 22,392 290,502 SH   SOLE 0 0 0 290,502
VANGUARD INDEX FDS VALUE ETF 922908744 4,400 31,861 SH   SOLE 0 0 0 31,861
VANGUARD INDEX FDS MID CAP ETF 922908629 5,261 24,445 SH   SOLE 0 0 0 24,445
VANGUARD INDEX FDS SMALL CP ETF 922908751 588 3,020 SH   SOLE 0 0 0 3,020
VANGUARD INDEX FDS TOTAL STK MKT 922908769 19,471 94,623 SH   SOLE 0 0 0 94,623
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 1,700 41,402 SH   SOLE 0 0 0 41,402
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 4,511 72,389 SH   SOLE 0 0 0 72,389
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771 3,164 64,210 SH   SOLE 0 0 0 64,210
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 1,995 24,122 SH   SOLE 0 0 0 24,122
VANGUARD TAX-MANAGED INTL FD VAN FTSE DEV MKT 921943858 5,026 116,991 SH   SOLE 0 0 0 116,991
VANGUARD WHITEHALL FDS EM MK GOV BD ETF 921946885 280 4,461 SH   SOLE 0 0 0 4,461
VANGUARD WORLD FD MEGA CAP VAL ETF 921910840 602 6,005 SH   SOLE 0 0 0 6,005
VANGUARD WORLD FDS FINANCIALS ETF 92204A405 1,641 19,919 SH   SOLE 0 0 0 19,919
VANGUARD WORLD FDS CONSUM STP ETF 92204A207 591 3,068 SH   SOLE 0 0 0 3,068
WP CAREY INC COM 92936U109 464 5,306 SH   SOLE 0 0 0 5,306