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
ABBVIE INC COM 00287Y109   272,151 1,684 SH   SOLE   1,684 0 0
ADOBE SYSTEMS INCORPORATED COM 00724F101   493,690 1,467 SH   SOLE   1,467 0 0
ALPHABET INC CAP STK CL C 02079K107   530,162 5,975 SH   SOLE   5,975 0 0
AMAZON COM INC COM 023135106   406,728 4,842 SH   SOLE   4,842 0 0
AMERICAN TOWER CORP NEW COM 03027X100   249,995 1,180 SH   SOLE   1,180 0 0
AMPHENOL CORP NEW CL A 032095101   281,185 3,693 SH   SOLE   3,693 0 0
APPLE INC COM 037833100   1,004,492 7,731 SH   SOLE   7,731 0 0
ASE TECHNOLOGY HLDG CO LTD SPONSORED ADS 00215W100   90,771 14,477 SH   SOLE   14,477 0 0
BANK AMERICA CORP COM 060505104   200,695 6,060 SH   SOLE   6,059 0 0
COSTCO WHSL CORP NEW COM 22160K105   362,005 793 SH   SOLE   793 0 0
DANAHER CORPORATION COM 235851102   412,463 1,554 SH   SOLE   1,554 0 0
DEXCOM INC COM 252131107   483,308 4,268 SH   SOLE   4,268 0 0
EXXON MOBIL CORP COM 30231G102   314,169 2,848 SH   SOLE   2,848 0 0
INTUIT COM 461202103   295,807 760 SH   SOLE   760 0 0
INTUITIVE SURGICAL INC COM NEW 46120E602   323,992 1,221 SH   SOLE   1,221 0 0
INVESCO EXCH TRADED FD TR II EMRNG MKT SVRG 46138E784   262,879 14,080 SH   SOLE   14,080 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   1,077,596 7,629 SH   SOLE   7,629 0 0
INVESCO QQQ TR UNIT SER 1 46090E103   807,364 3,032 SH   SOLE   3,032 0 0
ISHARES INC MSCI GBL MIN VOL 464286525   457,236 4,812 SH   SOLE   4,812 0 0
ISHARES INC CORE MSCI EMKT 46434G103   2,542,832 54,450 SH   SOLE   54,450 0 0
ISHARES TR RUS 2000 VAL ETF 464287630   1,081,073 7,796 SH   SOLE   7,796 0 0
ISHARES TR MSCI USA MIN VOL 46429B697   698,577 9,689 SH   SOLE   9,689 0 0
ISHARES TR JPMORGAN USD EMG 464288281   1,996,985 23,608 SH   SOLE   23,607 0 0
ISHARES TR NATIONAL MUN ETF 464288414   8,078,727 76,561 SH   SOLE   76,561 0 0
ISHARES TR RUS 2000 GRW ETF 464287648   728,462 3,396 SH   SOLE   3,395 0 0
ISHARES TR CORE MSCI EAFE 46432F842   10,266,706 166,559 SH   SOLE   166,559 0 0
JOHNSON & JOHNSON COM 478160104   386,334 2,187 SH   SOLE   2,187 0 0
JPMORGAN CHASE & CO COM 46625H100   255,058 1,902 SH   SOLE   1,902 0 0
KIMBERLY-CLARK CORP COM 494368103   330,551 2,435 SH   SOLE   2,435 0 0
LAUDER ESTEE COS INC CL A 518439104   286,319 1,154 SH   SOLE   1,154 0 0
LIGHTWAVE LOGIC INC COM 532275104   45,311 10,513 SH   SOLE   10,513 0 0
LLOYDS BANKING GROUP PLC SPONSORED ADR 539439109   30,331 13,787 SH   SOLE   13,787 0 0
MASTERCARD INCORPORATED CL A 57636Q104   464,220 1,335 SH   SOLE   1,335 0 0
MERCK & CO INC COM 58933Y105   282,146 2,543 SH   SOLE   2,543 0 0
MICROSOFT CORP COM 594918104   955,694 3,985 SH   SOLE   3,985 0 0
PFIZER INC COM 717081103   253,670 4,951 SH   SOLE   4,950 0 0
POPULAR INC COM NEW 733174700   407,735 6,148 SH   SOLE   6,148 0 0
SBA COMMUNICATIONS CORP NEW CL A 78410G104   248,074 885 SH   SOLE   885 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   4,142,418 102,257 SH   SOLE   102,256 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   19,424,070 430,212 SH   SOLE   430,211 0 0
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   588,866 12,207 SH   SOLE   12,207 0 0
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   2,704,734 40,968 SH   SOLE   40,968 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   3,699,716 66,590 SH   SOLE   66,589 0 0
SLM CORP COM 78442P106   182,334 10,984 SH   SOLE   10,984 0 0
SPDR SER TR BLOOMBERG EMERGI 78464A391   276,610 13,454 SH   SOLE   13,453 0 0
SPDR SER TR BLOOMBERG HIGH Y 78468R622   2,808,754 31,208 SH   SOLE   31,208 0 0
SPDR SER TR NUVEEN BLOOMBERG 78464A284   1,574,025 32,143 SH   SOLE   32,142 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102   232,391 422 SH   SOLE   422 0 0
UNITEDHEALTH GROUP INC COM 91324P102   443,230 836 SH   SOLE   836 0 0
VANECK ETF TRUST JP MRGAN EM LOC 92189H300   2,001,488 82,604 SH   SOLE   82,603 0 0
VANECK ETF TRUST HIGH YLD MUNIETF 92189H409   2,469,423 48,851 SH   SOLE   48,851 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   8,441,658 117,506 SH   SOLE   117,506 0 0
VANGUARD BD INDEX FDS INTERMED TERM 921937819   1,192,902 16,051 SH   SOLE   16,050 0 0
VANGUARD BD INDEX FDS LONG TERM BOND 921937793   1,102,331 15,217 SH   SOLE   15,217 0 0
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   2,393,687 31,797 SH   SOLE   31,797 0 0
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   2,462,731 51,923 SH   SOLE   51,923 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736   14,357,194 67,370 SH   SOLE   67,369 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611   3,151,426 19,845 SH   SOLE   19,845 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   1,349,778 3,842 SH   SOLE   3,841 0 0
VANGUARD INDEX FDS VALUE ETF 922908744   17,906,444 127,566 SH   SOLE   127,566 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751   1,246,874 6,793 SH   SOLE   6,793 0 0
VANGUARD INDEX FDS SML CP GRW ETF 922908595   3,041,377 15,166 SH   SOLE   15,165 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   6,300,393 161,631 SH   SOLE   161,631 0 0
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   1,186,574 25,403 SH   SOLE   25,403 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   1,398,139 28,251 SH   SOLE   28,250 0 0
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771   1,268,939 27,877 SH   SOLE   27,876 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   23,214,361 553,118 SH   SOLE   553,117 0 0
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   232,327 2,147 SH   SOLE   2,147 0 0
VISA INC COM CL A 92826C839   410,742 1,977 SH   SOLE   1,977 0 0
XERIS BIOPHARMA HOLDINGS INC COM 98422E103   16,684 12,544 SH   SOLE   12,544 0 0
ZOETIS INC CL A 98978V103   351,280 2,397 SH   SOLE   2,397 0 0