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 218 1,621 SH   SOLE   1,621 0 0
ADOBE SYSTEMS INCORPORATED COM 00724F101 413 1,500 SH   SOLE   1,500 0 0
ALPHABET INC CAP STK CL C 02079K107 576 5,989 SH   SOLE   5,989 0 0
ALPHABET INC CAP STK CL A 02079K305 224 2,339 SH   SOLE   2,339 0 0
AMAZON COM INC COM 023135106 637 5,636 SH   SOLE   5,636 0 0
AMERICAN TOWER CORP NEW COM 03027X100 254 1,183 SH   SOLE   1,183 0 0
AMPHENOL CORP NEW CL A 032095101 247 3,693 SH   SOLE   3,693 0 0
APPLE INC COM 037833100 1,083 7,839 SH   SOLE   7,838 0 0
ASE TECHNOLOGY HLDG CO LTD SPONSORED ADS 00215W100 74 14,733 SH   SOLE   14,733 0 0
COSTCO WHSL CORP NEW COM 22160K105 375 795 SH   SOLE   795 0 0
DANAHER CORPORATION COM 235851102 414 1,604 SH   SOLE   1,604 0 0
DEXCOM INC COM 252131107 344 4,268 SH   SOLE   4,268 0 0
EXXON MOBIL CORP COM 30231G102 216 2,475 SH   SOLE   2,475 0 0
INTUIT COM 461202103 306 791 SH   SOLE   791 0 0
INTUITIVE SURGICAL INC COM NEW 46120E602 235 1,254 SH   SOLE   1,254 0 0
INVESCO EXCH TRADED FD TR II EMRNG MKT SVRG 46138E784 287 16,954 SH   SOLE   16,954 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 205 767 SH   SOLE   766 0 0
ISHARES INC MSCI GBL MIN VOL 464286525 426 4,812 SH   SOLE   4,812 0 0
ISHARES INC CORE MSCI EMKT 46434G103 2,085 48,505 SH   SOLE   48,505 0 0
ISHARES TR JPMORGAN USD EMG 464288281 1,790 22,544 SH   SOLE   22,543 0 0
ISHARES TR CORE MSCI EAFE 46432F842 8,247 156,572 SH   SOLE   156,572 0 0
ISHARES TR MSCI USA MIN VOL 46429B697 641 9,692 SH   SOLE   9,692 0 0
ISHARES TR NATIONAL MUN ETF 464288414 8,587 83,707 SH   SOLE   83,707 0 0
ISHARES TR RUS 2000 GRW ETF 464287648 727 3,519 SH   SOLE   3,518 0 0
ISHARES TR RUS 2000 VAL ETF 464287630 1,053 8,166 SH   SOLE   8,165 0 0
JOHNSON & JOHNSON COM 478160104 515 3,150 SH   SOLE   3,150 0 0
KIMBERLY-CLARK CORP COM 494368103 267 2,375 SH   SOLE   2,375 0 0
LAUDER ESTEE COS INC CL A 518439104 249 1,151 SH   SOLE   1,151 0 0
LIGHTWAVE LOGIC INC COM 532275104 77 10,513 SH   SOLE   10,513 0 0
LLOYDS BANKING GROUP PLC SPONSORED ADR 539439109 20 11,441 SH   SOLE   11,441 0 0
MASTERCARD INCORPORATED CL A 57636Q104 364 1,281 SH   SOLE   1,281 0 0
MERCK & CO INC COM 58933Y105 223 2,594 SH   SOLE   2,594 0 0
MICROSOFT CORP COM 594918104 939 4,030 SH   SOLE   4,030 0 0
PAYPAL HLDGS INC COM 70450Y103 207 2,401 SH   SOLE   2,401 0 0
PFIZER INC COM 717081103 219 5,000 SH   SOLE   4,999 0 0
POPULAR INC COM NEW 733174700 443 6,148 SH   SOLE   6,148 0 0
SBA COMMUNICATIONS CORP NEW CL A 78410G104 267 937 SH   SOLE   937 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 18,413 434,774 SH   SOLE   434,773 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 3,946 70,707 SH   SOLE   70,707 0 0
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 2,398 40,984 SH   SOLE   40,984 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 3,531 93,424 SH   SOLE   93,423 0 0
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 590 12,221 SH   SOLE   12,221 0 0
SEMLER SCIENTIFIC INC COM 81684M104 225 6,000 SH   SOLE   6,000 0 0
SLM CORP COM 78442P106 155 11,062 SH   SOLE   11,062 0 0
SPDR SER TR BLOOMBERG HIGH Y 78468R622 2,678 30,486 SH   SOLE   30,485 0 0
SPDR SER TR BLOOMBERG EMERGI 78464A391 285 15,035 SH   SOLE   15,035 0 0
SPDR SER TR NUVEEN BLOOMBERG 78464A284 1,756 36,636 SH   SOLE   36,636 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102 214 421 SH   SOLE   421 0 0
UNITEDHEALTH GROUP INC COM 91324P102 444 879 SH   SOLE   879 0 0
VANECK ETF TRUST JP MRGAN EM LOC 92189H300 1,797 78,818 SH   SOLE   78,818 0 0
VANECK ETF TRUST HIGH YLD MUNIETF 92189H409 2,355 47,167 SH   SOLE   47,166 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 8,123 113,876 SH   SOLE   113,876 0 0
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 2,387 31,909 SH   SOLE   31,909 0 0
VANGUARD BD INDEX FDS LONG TERM BOND 921937793 1,077 14,971 SH   SOLE   14,971 0 0
VANGUARD BD INDEX FDS INTERMED TERM 921937819 1,169 15,910 SH   SOLE   15,909 0 0
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 2,492 52,214 SH   SOLE   52,214 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 13,666 63,877 SH   SOLE   63,876 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 15,890 128,682 SH   SOLE   128,682 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 1,160 6,788 SH   SOLE   6,788 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611 2,768 19,303 SH   SOLE   19,303 0 0
VANGUARD INDEX FDS SML CP GRW ETF 922908595 2,848 14,596 SH   SOLE   14,596 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 916 2,790 SH   SOLE   2,789 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 6,113 167,527 SH   SOLE   167,526 0 0
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 1,140 23,693 SH   SOLE   23,693 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 1,358 28,210 SH   SOLE   28,210 0 0
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771 1,245 27,607 SH   SOLE   27,606 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 20,766 571,113 SH   SOLE   571,113 0 0
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 202 2,132 SH   SOLE   2,132 0 0
VISA INC COM CL A 92826C839 341 1,917 SH   SOLE   1,917 0 0
XERIS BIOPHARMA HOLDINGS INC COM 98422E103 20 12,544 SH   SOLE   12,544 0 0
ZOETIS INC CL A 98978V103 376 2,534 SH   SOLE   2,534 0 0