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
AT&T INC COM 00206R102 561 23,749 SH   SOLE   0 0 23,749
ALPHABET INC CAP STK CL A 02079K305 234 84 SH   SOLE   0 0 84
ALPHABET INC CAP STK CL C 02079K107 290 104 SH   SOLE   0 0 104
AMAZON COM INC COM 023135106 1,245 382 SH   SOLE   0 0 382
APPLE INC COM 037833100 3,011 17,245 SH   SOLE   0 0 17,245
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 259 734 SH   SOLE   0 0 734
SCHWAB STRATEGIC TR US REIT ETF 808524847 1,138 45,703 SH   SOLE   0 0 45,703
DANAHER CORPORATION COM 235851102 2,449 8,348 SH   SOLE   0 0 8,348
DISNEY WALT CO COM 254687106 205 1,495 SH   SOLE   0 0 1,495
FIDELITY COVINGTON TRUST VLU FACTOR ETF 316092782 3,603 70,888 SH   SOLE   0 0 70,888
FIRST TR EXCHANGE-TRADED FD FIRST TR ENH NEW 33739Q408 358 6,014 SH   SOLE   0 0 6,014
FIRST TR EXCHANGE-TRADED FD CAP STRENGTH ETF 33733E104 15,259 195,123 SH   SOLE   0 0 195,123
FIRST TR EXCHNG TRADED FD VI TCW OPPORTUNIS 33740F805 226 4,555 SH   SOLE   0 0 4,555
FORTIVE CORP COM 34959J108 248 4,069 SH   SOLE   0 0 4,069
GENERAL MTRS CO COM 37045V100 842 19,245 SH   SOLE   0 0 19,245
HOME DEPOT INC COM 437076102 233 777 SH   SOLE   0 0 777
ISHARES TR 10+ YR INVST GR 464289511 4,535 73,833 SH   SOLE   0 0 73,833
ISHARES TR 20 YR TR BD ETF 464287432 8,817 66,757 SH   SOLE   0 0 66,757
ISHARES TR CORE MSCI EAFE 46432F842 2,016 28,999 SH   SOLE   0 0 28,999
ISHARES TR SELECT DIVID ETF 464287168 4,968 38,776 SH   SOLE   0 0 38,776
ISHARES TR MSCI USA MIN VOL 46429B697 1,418 18,284 SH   SOLE   0 0 18,284
ISHARES TR ESG AWR MSCI USA 46435G425 9,964 98,315 SH   SOLE   0 0 98,315
ISHARES TR FALN ANGLS USD 46435G474 824 29,683 SH   SOLE   0 0 29,683
ISHARES TR FLTG RATE NT ETF 46429B655 4,370 86,509 SH   SOLE   0 0 86,509
ISHARES TR EAFE GRWTH ETF 464288885 3,676 38,183 SH   SOLE   0 0 38,183
ISHARES TR MSCI USA VALUE 46432F388 302 2,887 SH   SOLE   0 0 2,887
ISHARES TR EAFE VALUE ETF 464288877 18,983 377,688 SH   SOLE   0 0 377,688
ISHARES TR ISHS 1-5YR INVS 464288638 271 4,941 SH   SOLE   0 0 4,941
ISHARES TR TIPS BD ETF 464287176 1,382 11,093 SH   SOLE   0 0 11,093
ISHARES TR RUS 1000 GRW ETF 464287614 205 739 SH   SOLE   0 0 739
ISHARES TR U.S. MED DVC ETF 464288810 2,759 45,263 SH   SOLE   0 0 45,263
ISHARES TR US TREAS BD ETF 46429B267 1,164 46,742 SH   SOLE   0 0 46,742
ISHARES U S ETF TR GSCI CMDTY STGY 46431W853 16,138 402,955 SH   SOLE   0 0 402,955
J P MORGAN EXCHANGE TRADED F US QUALTY FCTR 46641Q761 6,996 163,149 SH   SOLE   0 0 163,149
LOCKHEED MARTIN CORP COM 539830109 2,883 6,531 SH   SOLE   0 0 6,531
MICROSOFT CORP COM 594918104 6,602 21,414 SH   SOLE   0 0 21,414
NVIDIA CORPORATION COM 67066G104 526 1,927 SH   SOLE   0 0 1,927
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 3,164 31,588 SH   SOLE   0 0 31,588
INVESCO QQQ TR UNIT SER 1 73935A104 559 1,542 SH   SOLE   0 0 1,542
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 8,653 114,062 SH   SOLE   0 0 114,062
SCHWAB STRATEGIC TR US TIPS ETF 808524870 24,225 399,022 SH   SOLE   0 0 399,022
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 12,236 258,359 SH   SOLE   0 0 258,359
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 41,794 776,132 SH   SOLE   0 0 776,132
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 23,185 324,770 SH   SOLE   0 0 324,770
SELECT SECTOR SPDR TR ENERGY 81369Y506 5,792 75,775 SH   SOLE   0 0 75,775
SELECT SECTOR SPDR TR FINANCIAL 81369Y605 7,446 194,320 SH   SOLE   0 0 194,320
SPDR SER TR PORTFOLIO S&P400 78464A847 2,963 62,833 SH   SOLE   0 0 62,833
SPDR SER TR RUSSELL LOW VOL 78468R754 6,505 59,284 SH   SOLE   0 0 59,284
SPDR SER TR S&P 400 MDCP VAL 78464A839 10,731 152,476 SH   SOLE   0 0 152,476
SPDR SER TR PORTFOLIO S&P600 78468R853 8,842 210,163 SH   SOLE   0 0 210,163
SPDR GOLD TR GOLD SHS 78463V107 4,064 22,495 SH   SOLE   0 0 22,495
TESLA INC COM 88160R101 259 240 SH   SOLE   0 0 240
THERMO FISHER SCIENTIFIC INC COM 883556102 461 780 SH   SOLE   0 0 780
TOMI ENVIRONMENTAL SOLUTIONS COM NEW 890023203 85 93,750 SH   SOLE   0 0 93,750
VANGUARD INDEX FDS TOTAL STK MKT 922908769 19,926 87,521 SH   SOLE   0 0 87,521
VERIZON COMMUNICATIONS INC COM 92343V104 248 4,868 SH   SOLE   0 0 4,868
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 2,626 21,197 SH   SOLE   0 0 21,197
VICTORY PORTFOLIOS II VICSHS DV AC ETF 92647N667 345 7,467 SH   SOLE   0 0 7,467