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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ABBVIE INC COM 00287Y109 244 1,595 SH   SOLE   1,595 0 0
ADOBE SYSTEMS INCORPORATED COM 00724F101 549 1,500 SH   SOLE   1,500 0 0
ALPHABET INC CAP STK CL C 02079K107 650 297 SH   SOLE   297 0 0
ALPHABET INC CAP STK CL A 02079K305 272 125 SH   SOLE   125 0 0
AMAZON COM INC COM 023135106 609 5,731 SH   SOLE   5,731 0 0
AMERICAN TOWER CORP NEW COM 03027X100 302 1,183 SH   SOLE   1,183 0 0
AMPHENOL CORP NEW CL A 032095101 238 3,693 SH   SOLE   3,693 0 0
ANSYS INC COM 03662Q105 353 1,475 SH   SOLE   1,475 0 0
APPLE INC COM 037833100 1,038 7,594 SH   SOLE   7,594 0 0
ASE TECHNOLOGY HLDG CO LTD SPONSORED ADS 00215W100 95 18,433 SH   SOLE   18,433 0 0
COSTCO WHSL CORP NEW COM 22160K105 384 801 SH   SOLE   801 0 0
DANAHER CORPORATION COM 235851102 407 1,604 SH   SOLE   1,604 0 0
DEXCOM INC COM 252131107 318 4,268 SH   SOLE   4,268 0 0
INTUIT COM 461202103 305 791 SH   SOLE   791 0 0
INTUITIVE SURGICAL INC COM NEW 46120E602 263 1,312 SH   SOLE   1,312 0 0
INVESCO EXCH TRADED FD TR II EMRNG MKT SVRG 46138E784 354 19,083 SH   SOLE   19,082 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 220 786 SH   SOLE   786 0 0
ISHARES INC CORE MSCI EMKT 46434G103 2,350 47,901 SH   SOLE   47,901 0 0
ISHARES INC MSCI GBL MIN VOL 464286525 455 4,820 SH   SOLE   4,820 0 0
ISHARES TR RUS 2000 GRW ETF 464287648 727 3,522 SH   SOLE   3,522 0 0
ISHARES TR MSCI USA MIN VOL 46429B697 681 9,698 SH   SOLE   9,698 0 0
ISHARES TR RUS 2000 VAL ETF 464287630 1,083 7,954 SH   SOLE   7,954 0 0
ISHARES TR S&P 500 GRWT ETF 464287309 201 3,333 SH   SOLE   3,333 0 0
ISHARES TR CORE MSCI EAFE 46432F842 9,019 153,260 SH   SOLE   153,260 0 0
ISHARES TR NATIONAL MUN ETF 464288414 8,750 82,265 SH   SOLE   82,264 0 0
ISHARES TR JPMORGAN USD EMG 464288281 1,701 19,933 SH   SOLE   19,932 0 0
JOHNSON & JOHNSON COM 478160104 565 3,185 SH   SOLE   3,185 0 0
KIMBERLY-CLARK CORP COM 494368103 322 2,379 SH   SOLE   2,379 0 0
LAUDER ESTEE COS INC CL A 518439104 293 1,151 SH   SOLE   1,151 0 0
LIGHTWAVE LOGIC INC COM 532275104 69 10,513 SH   SOLE   10,513 0 0
LLOYDS BANKING GROUP PLC SPONSORED ADR 539439109 24 11,559 SH   SOLE   11,559 0 0
MASTERCARD INCORPORATED CL A 57636Q104 407 1,291 SH   SOLE   1,291 0 0
MERCK & CO INC COM 58933Y105 245 2,691 SH   SOLE   2,691 0 0
MICROSOFT CORP COM 594918104 1,022 3,978 SH   SOLE   3,978 0 0
PFIZER INC COM 717081103 262 4,995 SH   SOLE   4,994 0 0
POPULAR INC COM NEW 733174700 473 6,148 SH   SOLE   6,148 0 0
SALESFORCE INC COM 79466L302 234 1,419 SH   SOLE   1,419 0 0
SBA COMMUNICATIONS CORP NEW CL A 78410G104 300 937 SH   SOLE   937 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 18,767 420,220 SH   SOLE   420,220 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 3,946 68,044 SH   SOLE   68,044 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 3,443 88,295 SH   SOLE   88,294 0 0
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 611 12,425 SH   SOLE   12,425 0 0
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 2,356 37,745 SH   SOLE   37,745 0 0
SLM CORP COM 78442P106 187 11,701 SH   SOLE   11,701 0 0
SPDR SER TR BLOOMBERG HIGH Y 78468R622 2,626 28,950 SH   SOLE   28,949 0 0
SPDR SER TR BLOOMBERG 1-3 MO 78468R663 205 2,237 SH   SOLE   2,237 0 0
SPDR SER TR BLOOMBERG EMERGI 78464A391 352 17,203 SH   SOLE   17,202 0 0
SPDR SER TR NUVEEN BLOOMBERG 78464A284 1,888 36,740 SH   SOLE   36,739 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102 229 422 SH   SOLE   422 0 0
UNITEDHEALTH GROUP INC COM 91324P102 451 878 SH   SOLE   878 0 0
VANECK ETF TRUST JP MRGAN EM LOC 92189H300 1,793 73,225 SH   SOLE   73,225 0 0
VANECK ETF TRUST HIGH YLD MUNIETF 92189H409 2,447 45,449 SH   SOLE   45,448 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 8,301 110,292 SH   SOLE   110,292 0 0
VANGUARD BD INDEX FDS LONG TERM BOND 921937793 1,039 13,036 SH   SOLE   13,036 0 0
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 2,454 31,961 SH   SOLE   31,961 0 0
VANGUARD BD INDEX FDS INTERMED TERM 921937819 1,229 15,827 SH   SOLE   15,827 0 0
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 2,645 53,398 SH   SOLE   53,397 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611 2,756 18,398 SH   SOLE   18,397 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 13,808 61,948 SH   SOLE   61,948 0 0
VANGUARD INDEX FDS SML CP GRW ETF 922908595 2,748 13,945 SH   SOLE   13,945 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 16,735 126,893 SH   SOLE   126,892 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 1,295 7,356 SH   SOLE   7,355 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 946 2,728 SH   SOLE   2,728 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 6,650 159,668 SH   SOLE   159,668 0 0
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 1,195 23,834 SH   SOLE   23,834 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 1,401 28,069 SH   SOLE   28,068 0 0
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771 1,321 27,634 SH   SOLE   27,633 0 0
VANGUARD TAX-MANAGED INTL FD VAN FTSE DEV MKT 921943858 21,770 533,588 SH   SOLE   533,587 0 0
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 215 2,115 SH   SOLE   2,115 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 212 4,178 SH   SOLE   4,178 0 0
VISA INC COM CL A 92826C839 378 1,919 SH   SOLE   1,919 0 0
XERIS BIOPHARMA HOLDINGS INC COM 98422E103 19 12,544 SH   SOLE   12,544 0 0
ZOETIS INC CL A 98978V103 436 2,539 SH   SOLE   2,539 0 0