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
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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   508,522 3,914 SH   SOLE   0 0 3,914
ARK ETF TR INNOVATION ETF 00214Q104   264,621 8,471 SH   SOLE   0 0 8,471
ASBURY AUTOMOTIVE GROUP INC COM 043436104   1,015,810 5,667 SH   SOLE   0 0 5,667
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   220,555 714 SH   SOLE   0 0 714
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   7,011,585 106,868 SH   SOLE   0 0 106,868
CITIGROUP INC COM NEW 172967424   210,975 4,664 SH   SOLE   0 0 4,664
DELAWARE INVTS NATL MUN INCO SH BEN INT 24610T108   405,105 39,065 SH   SOLE   0 0 39,065
EVERSOURCE ENERGY COM 30040W108   207,672 2,477 SH   SOLE   0 0 2,477
FIRST TR MORNINGSTAR DIVID L SHS 336917109   1,510,092 41,304 SH   SOLE   0 0 41,304
GLOBAL X FDS GENOMIC BIOTECH 37954Y434   927,655 73,332 SH   SOLE   0 0 73,332
GOLDMAN SACHS ETF TR ACCES TREASURY 381430529   4,583,983 45,973 SH   SOLE   0 0 45,973
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613   270,839 1,746 SH   SOLE   0 0 1,746
INVESCO EXCH TRADED FD TR II NASDAQ 100 ETF 46138G649   812,586 7,419 SH   SOLE   0 0 7,419
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   23,966,587 169,675 SH   SOLE   0 0 169,675
INVESCO QQQ TR UNIT SER 1 46090E103   2,055,074 7,718 SH   SOLE   0 0 7,718
ISHARES TR 0-5 YR TIPS ETF 46429B747   250,434 2,583 SH   SOLE   0 0 2,583
ISHARES TR CORE MSCI TOTAL 46432F834   3,147,202 54,375 SH   SOLE   0 0 54,375
ISHARES TR CORE S&P500 ETF 464287200   1,400,616 3,645 SH   SOLE   0 0 3,645
ISHARES TR MSCI EAFE ETF 464287465   288,149 4,390 SH   SOLE   0 0 4,390
ISHARES TR MSCI EMG MKT ETF 464287234   495,832 13,083 SH   SOLE   0 0 13,083
ISHARES TR RUS 1000 ETF 464287622   1,033,115 4,907 SH   SOLE   0 0 4,907
ISHARES TR RUS 1000 GRW ETF 464287614   398,665 1,861 SH   SOLE   0 0 1,861
ISHARES TR RUSSELL 2000 ETF 464287655   1,186,332 6,804 SH   SOLE   0 0 6,804
ISHARES TR RUSSELL 3000 ETF 464287689   435,020 1,971 SH   SOLE   0 0 1,971
KRANESHARES TR CSI CHI INTERNET 500767306   305,750 10,124 SH   SOLE   0 0 10,124
MERCK & CO INC COM 58933Y105   228,335 2,058 SH   SOLE   0 0 2,058
MICROSOFT CORP COM 594918104   945,817 3,944 SH   SOLE   0 0 3,944
NEWELL BRANDS INC COM 651229106   434,949 33,253 SH   SOLE   0 0 33,253
NUVEEN SELECT TAX-FREE INCOM SH BEN INT 67062F100   257,719 18,528 SH   SOLE   0 0 18,528
PFIZER INC COM 717081103   927,791 18,107 SH   SOLE   0 0 18,107
PROCTER AND GAMBLE CO COM 742718109   275,893 1,820 SH   SOLE   0 0 1,820
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   3,829,317 161,779 SH   SOLE   0 0 161,779
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   7,635,294 237,047 SH   SOLE   0 0 237,047
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   514,535 10,666 SH   SOLE   0 0 10,666
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   587,378 12,867 SH   SOLE   0 0 12,867
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   381,993 8,525 SH   SOLE   0 0 8,525
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   4,912,479 121,266 SH   SOLE   0 0 121,266
SSGA ACTIVE ETF TR BLACKSTONE SENR 78467V608   574,781 14,053 SH   SOLE   0 0 14,053
SPDR SER TR NUVEEN BLMBRG SH 78468R739   471,016 10,026 SH   SOLE   0 0 10,026
SPDR SER TR PORTFOLIO S&P600 78468R853   1,294,796 35,023 SH   SOLE   0 0 35,023
SPDR S&P 500 ETF TR TR UNIT 78462F103   3,346,313 8,750 SH   SOLE   0 0 8,750
TANGER FACTORY OUTLET CTRS I COM 875465106   1,269,506 70,764 SH   SOLE   0 0 70,764
TEMPLETON GLOBAL INCOME FD COM 880198106   251,114 57,994 SH   SOLE   0 0 57,994
TEXAS INSTRS INC COM 882508104   231,832 1,403 SH   SOLE   0 0 1,403
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   1,269,185 25,313 SH   SOLE   0 0 25,313
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   1,246,216 29,693 SH   SOLE   0 0 29,693
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   326,763 8,383 SH   SOLE   0 0 8,383
VANGUARD INDEX FDS GROWTH ETF 922908736   636,347 2,986 SH   SOLE   0 0 2,986
VANGUARD INDEX FDS MID CAP ETF 922908629   2,706,966 13,282 SH   SOLE   0 0 13,282
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   786,203 2,238 SH   SOLE   0 0 2,238
VANGUARD ADMIRAL FDS INC 500 VAL IDX FD 921932703   420,180 3,000 SH   SOLE   0 0 3,000
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   1,445,178 19,220 SH   SOLE   0 0 19,220
VANGUARD INDEX FDS SMALL CP ETF 922908751   472,336 2,573 SH   SOLE   0 0 2,573
VANGUARD INDEX FDS VALUE ETF 922908744   418,753 2,983 SH   SOLE   0 0 2,983
WP CAREY INC COM 92936U109   202,252 2,588 SH   SOLE   0 0 2,588
WISDOMTREE TR EM EX ST-OWNED 97717V578   1,048,922 39,315 SH   SOLE   0 0 39,315
PIONEER MUNICIPAL HIGH INCOM COM SHS 723763108   92,425 10,772 SH   SOLE   0 0 10,772
NUVEEN SELECT MAT MUN FD SH BEN INT 67061T101   114,957 12,688 SH   SOLE   0 0 12,688
BLACKROCK INNOVATION AND GRW SHS BEN INT 09260Q108   115,770 17,000 SH   SOLE   0 0 17,000
NUVEEN MUN VALUE FD INC COM 670928100   147,208 17,117 SH   SOLE   0 0 17,117