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   451,041 2,735 SH   SOLE   0 0 2,735
ASBURY AUTOMOTIVE GROUP INC COM 043436104   1,109,640 5,284 SH   SOLE   0 0 5,284
CITIGROUP INC COM NEW 172967424   215,987 4,606 SH   SOLE   0 0 4,606
FIRST TR MORNINGSTAR DIVID L SHS 336917109   2,012,646 56,694 SH   SOLE   0 0 56,694
GOLDMAN SACHS ETF TR ACCES TREASURY 381430529   3,052,762 30,485 SH   SOLE   0 0 30,485
ISHARES TR CORE S&P500 ETF 464287200   951,075 2,314 SH   SOLE   0 0 2,314
ISHARES TR MSCI EMG MKT ETF 464287234   463,294 11,741 SH   SOLE   0 0 11,741
ISHARES TR MSCI EAFE ETF 464287465   313,961 4,390 SH   SOLE   0 0 4,390
ISHARES TR RUS 1000 GRW ETF 464287614   455,402 1,864 SH   SOLE   0 0 1,864
ISHARES TR RUS 1000 ETF 464287622   1,107,050 4,915 SH   SOLE   0 0 4,915
ISHARES TR RUSSELL 2000 ETF 464287655   852,026 4,776 SH   SOLE   0 0 4,776
ISHARES TR RUSSELL 3000 ETF 464287689   465,721 1,978 SH   SOLE   0 0 1,978
MICROSOFT CORP COM 594918104   953,722 3,308 SH   SOLE   0 0 3,308
NEWELL BRANDS INC COM 651229106   413,667 33,253 SH   SOLE   0 0 33,253
NUVEEN MUN VALUE FD INC COM 670928100   151,505 17,197 SH   SOLE   0 0 17,197
PFIZER INC COM 717081103   705,847 17,300 SH   SOLE   0 0 17,300
PIONEER MUNICIPAL HIGH INCOM COM SHS 723763108   96,111 10,811 SH   SOLE   0 0 10,811
PROCTER AND GAMBLE CO COM 742718109   224,998 1,513 SH   SOLE   0 0 1,513
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   416,570 8,706 SH   SOLE   0 0 8,706
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   7,161,177 105,544 SH   SOLE   0 0 105,544
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   5,106,869 121,795 SH   SOLE   0 0 121,795
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   3,905,970 159,297 SH   SOLE   0 0 159,297
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   8,236,823 236,690 SH   SOLE   0 0 236,690
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   603,521 12,866 SH   SOLE   0 0 12,866
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   458,008 9,387 SH   SOLE   0 0 9,387
STAAR SURGICAL CO COM PAR $0.01 852312305   207,838 3,250 SH   SOLE   0 0 3,250
TANGER FACTORY OUTLET CTRS I COM 875465106   1,606,539 81,841 SH   SOLE   0 0 81,841
TEMPLETON GLOBAL INCOME FD COM 880198106   259,019 58,868 SH   SOLE   0 0 58,868
VANGUARD ADMIRAL FDS INC 500 VAL IDX FD 921932703   440,100 3,000 SH   SOLE   0 0 3,000
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   2,012,160 44,546 SH   SOLE   0 0 44,546
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   1,465,121 27,401 SH   SOLE   0 0 27,401
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   386,575 9,569 SH   SOLE   0 0 9,569
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   842,871 2,241 SH   SOLE   0 0 2,241
VANGUARD INDEX FDS SML CP GRW ETF 922908595   211,649 978 SH   SOLE   0 0 978
VANGUARD INDEX FDS SM CP VAL ETF 922908611   299,104 1,884 SH   SOLE   0 0 1,884
VANGUARD INDEX FDS MID CAP ETF 922908629   2,695,937 12,782 SH   SOLE   0 0 12,782
VANGUARD INDEX FDS GROWTH ETF 922908736   2,217,878 8,891 SH   SOLE   0 0 8,891
VANGUARD INDEX FDS VALUE ETF 922908744   2,565,490 18,576 SH   SOLE   0 0 18,576
VANGUARD INDEX FDS SMALL CP ETF 922908751   793,193 4,184 SH   SOLE   0 0 4,184
INVESCO QQQ TR UNIT SER 1 46090E103   2,394,221 7,460 SH   SOLE   0 0 7,460
ARK ETF TR INNOVATION ETF 00214Q104   205,353 5,091 SH   SOLE   0 0 5,091
DELAWARE INVTS NATL MUN INCO SH BEN INT 24610T108   419,387 39,305 SH   SOLE   0 0 39,305
GLOBAL X FDS GENOMIC BIOTECH 37954Y434   889,903 72,232 SH   SOLE   0 0 72,232
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   25,101,786 173,571 SH   SOLE   0 0 173,571
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613   275,201 1,755 SH   SOLE   0 0 1,755
INVESCO EXCH TRADED FD TR II NASDAQ 100 ETF 46138G649   930,170 7,046 SH   SOLE   0 0 7,046
ISHARES TR CORE MSCI TOTAL 46432F834   2,946,656 47,565 SH   SOLE   0 0 47,565
NUVEEN SELECT MAT MUN FD SH BEN INT 67061T101   117,728 12,755 SH   SOLE   0 0 12,755
NUVEEN SELECT TAX-FREE INCOM SH BEN INT 67062F100   266,999 18,658 SH   SOLE   0 0 18,658
SPDR S&P 500 ETF TR TR UNIT 78462F103   3,524,803 8,610 SH   SOLE   0 0 8,610
SSGA ACTIVE ETF TR BLACKSTONE SENR 78467V608   382,402 9,223 SH   SOLE   0 0 9,223
SPDR SER TR NUVEEN BLMBRG SH 78468R739   462,713 9,731 SH   SOLE   0 0 9,731
SPDR SER TR PORTFOLIO S&P600 78468R853   1,369,752 36,266 SH   SOLE   0 0 36,266
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   1,838,803 24,122 SH   SOLE   0 0 24,122
WSDMTRE EMRG MKT EX STT OWN ENTER ET 97717V578   888,724 31,923 SH   SOLE   0 0 31,923