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   458,297 2,779 SH   SOLE   0 0 2,779
ARES CAPITAL CORP NOTE 4.625% 3/0 04010LAW3   12,072 12,000 SH   SOLE   0 0 12,000
ARK ETF TR INNOVATION ETF 00214Q104   227,084 5,629 SH   SOLE   0 0 5,629
ASBURY AUTOMOTIVE GROUP INC COM 043436104   1,109,640 5,284 SH   SOLE   0 0 5,284
BOOKING HOLDINGS INC NOTE 0.750% 5/0 09857LAN8   14,949 10,000 SH   SOLE   0 0 10,000
CITIGROUP INC COM NEW 172967424   215,987 4,606 SH   SOLE   0 0 4,606
DELAWARE INVTS NATL MUN INCO SH BEN INT 24610T108   419,387 39,305 SH   SOLE   0 0 39,305
EURONET WORLDWIDE INC NOTE 0.750% 3/1 298736AL3   13,646 14,000 SH   SOLE   0 0 14,000
EXPEDIA GROUP INC NOTE 2/1 30212PBE4   8,953 10,000 SH   SOLE   0 0 10,000
FIRST TR MORNINGSTAR DIVID L SHS 336917109   2,153,631 60,666 SH   SOLE   0 0 60,666
GLOBAL X FDS GENOMIC BIOTECH 37954Y434   889,903 72,232 SH   SOLE   0 0 72,232
GOLDMAN SACHS ETF TR ACCES TREASURY 381430529   3,212,986 32,085 SH   SOLE   0 0 32,085
ILLUMINA INC NOTE 8/1 452327AK5   11,834 12,000 SH   SOLE   0 0 12,000
INVESCO EXCH TRADED FD TR II NASDAQ 100 ETF 46138G649   930,171 7,046 SH   SOLE   0 0 7,046
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613   275,201 1,755 SH   SOLE   0 0 1,755
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   25,755,026 178,088 SH   SOLE   0 0 178,088
INVESCO QQQ TR UNIT SER 1 46090E103   2,467,327 7,688 SH   SOLE   0 0 7,688
ISHARES TR AGGRES ALLOC ETF 464289859   203,928 3,207 SH   SOLE   0 0 3,207
ISHARES TR CORE MSCI TOTAL 46432F834   3,091,518 49,903 SH   SOLE   0 0 49,903
ISHARES TR CORE S&P500 ETF 464287200   1,025,826 2,495 SH   SOLE   0 0 2,495
ISHARES TR MSCI EAFE ETF 464287465   313,961 4,390 SH   SOLE   0 0 4,390
ISHARES TR MSCI EMG MKT ETF 464287234   463,294 11,741 SH   SOLE   0 0 11,741
ISHARES TR RUS 1000 ETF 464287622   1,107,050 4,915 SH   SOLE   0 0 4,915
ISHARES TR RUS 1000 GRW ETF 464287614   548,247 2,244 SH   SOLE   0 0 2,244
ISHARES TR RUSSELL 2000 ETF 464287655   852,027 4,776 SH   SOLE   0 0 4,776
ISHARES TR RUSSELL 3000 ETF 464287689   465,722 1,978 SH   SOLE   0 0 1,978
MICROSOFT CORP COM 594918104   962,085 3,337 SH   SOLE   0 0 3,337
NEWELL BRANDS INC COM 651229106   413,668 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
NUVEEN SELECT MAT MUN FD SH BEN INT 67061T101   117,729 12,755 SH   SOLE   0 0 12,755
NUVEEN SELECT TAX-FREE INCOM SH BEN INT 67062F100   267,000 18,658 SH   SOLE   0 0 18,658
PFIZER INC COM 717081103   621,415 15,231 SH   SOLE   0 0 15,231
PIONEER MUNICIPAL HIGH INCOM COM SHS 723763108   96,112 10,811 SH   SOLE   0 0 10,811
PROCTER AND GAMBLE CO COM 742718109   224,999 1,513 SH   SOLE   0 0 1,513
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   3,966,817 161,779 SH   SOLE   0 0 161,779
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   8,391,781 241,143 SH   SOLE   0 0 241,143
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   458,009 9,387 SH   SOLE   0 0 9,387
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   697,342 14,866 SH   SOLE   0 0 14,866
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   363,829 7,604 SH   SOLE   0 0 7,604
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   7,278,418 107,272 SH   SOLE   0 0 107,272
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   5,190,317 123,785 SH   SOLE   0 0 123,785
SPDR S&P 500 ETF TR TR UNIT 78462F103   3,524,805 8,610 SH   SOLE   0 0 8,610
SPDR SER TR NUVEEN BLMBRG SH 78468R739   486,488 10,231 SH   SOLE   0 0 10,231
SPDR SER TR PORTFOLI S&P1500 78464A805   223,739 4,437 SH   SOLE   0 0 4,437
SPDR SER TR PORTFOLIO S&P600 78468R853   1,428,573 37,823 SH   SOLE   0 0 37,823
SSGA ACTIVE ETF TR BLACKSTONE SENR 78467V608   382,402 9,223 SH   SOLE   0 0 9,223
TANGER FACTORY OUTLET CTRS I COM 875465106   1,606,539 81,841 SH   SOLE   0 0 81,841
TEMPLETON GLOBAL INCOME FD COM 880198106   259,020 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 INDEX FDS GROWTH ETF 922908736   2,217,878 8,891 SH   SOLE   0 0 8,891
VANGUARD INDEX FDS MID CAP ETF 922908629   2,934,906 13,915 SH   SOLE   0 0 13,915
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   922,221 2,452 SH   SOLE   0 0 2,452
VANGUARD INDEX FDS SM CP VAL ETF 922908611   299,104 1,884 SH   SOLE   0 0 1,884
VANGUARD INDEX FDS SMALL CP ETF 922908751   793,193 4,184 SH   SOLE   0 0 4,184
VANGUARD INDEX FDS SML CP GRW ETF 922908595   211,649 978 SH   SOLE   0 0 978
VANGUARD INDEX FDS VALUE ETF 922908744   2,577,102 18,660 SH   SOLE   0 0 18,660
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   1,611,629 30,141 SH   SOLE   0 0 30,141
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   370,416 9,169 SH   SOLE   0 0 9,169
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   1,838,804 24,122 SH   SOLE   0 0 24,122
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   2,055,474 45,505 SH   SOLE   0 0 45,505
WESTERN DIGITAL CORP. NOTE 1.500% 2/0 958102AP0   14,498 15,000 SH   SOLE   0 0 15,000
WISDOMTREE TR EM EX ST-OWNED 97717X578   961,596 34,540 SH   SOLE   0 0 34,540