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 256 1,907 SH   SOLE   0 0 1,907
ALPHABET INC CAP STK CL A 02079K305 589 6,153 SH   SOLE   0 0 6,153
ALPHABET INC CAP STK CL C 02079K107 1,481 15,404 SH   SOLE   0 0 15,404
AMAZON COM INC COM 023135106 2,094 18,532 SH   SOLE   0 0 18,532
AMERICAN TOWER CORP NEW COM 03027X100 264 1,230 SH   SOLE   0 0 1,230
AMGEN INC COM 031162100 1,450 6,431 SH   SOLE   0 0 6,431
APPLE INC COM 037833100 3,499 25,319 SH   SOLE   0 0 25,319
AQUA METALS INC COM 03837J101 11 14,005 SH   SOLE   0 0 14,005
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,806 6,763 SH   SOLE   0 0 6,763
CHEVRON CORP NEW COM 166764100 926 6,447 SH   SOLE   0 0 6,447
CISCO SYS INC COM 17275R102 516 12,901 SH   SOLE   0 0 12,901
COCA COLA CO COM 191216100 961 17,160 SH   SOLE   0 0 17,160
CUMMINS INC COM 231021106 1,443 7,092 SH   SOLE   0 0 7,092
CVS HEALTH CORP COM 126650100 1,816 19,041 SH   SOLE   0 0 19,041
DEERE & CO COM 244199105 1,517 4,542 SH   SOLE   0 0 4,542
DISNEY WALT CO COM 254687106 1,477 15,657 SH   SOLE   0 0 15,657
ETFIS SER TR I VIRTUS REAL AS 26923G780 5,871 265,875 SH   SOLE   0 0 265,875
GOLDMAN SACHS ETF TR ACCES TREASURY 381430529 22,109 221,421 SH   SOLE   0 0 221,421
HOME DEPOT INC COM 437076102 994 3,602 SH   SOLE   0 0 3,602
HONEYWELL INTL INC COM 438516106 1,359 8,138 SH   SOLE   0 0 8,138
INTERNATIONAL BUSINESS MACHS COM 459200101 1,441 12,127 SH   SOLE   0 0 12,127
INVESCO ACTIVELY MANAGED ETF ULTRA SHRT DUR 46090A887 376 7,623 SH   SOLE   0 0 7,623
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354 321 5,550 SH   SOLE   0 0 5,550
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 7,991 62,783 SH   SOLE   0 0 62,783
ISHARES SILVER TR ISHARES 46428Q109 252 14,400 SH   SOLE   0 0 14,400
ISHARES TR CORE S&P TTL STK 464287150 770 9,677 SH   SOLE   0 0 9,677
ISHARES TR CORE US AGGBD ET 464287226 3,461 35,930 SH   SOLE   0 0 35,930
ISHARES TR GLOBAL ENERG ETF 464287341 1,490 44,696 SH   SOLE   0 0 44,696
ISHARES U S ETF TR GSCI CMDTY STGY 46431W853 5,470 153,138 SH   SOLE   0 0 153,138
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837 412 8,208 SH   SOLE   0 0 8,208
JANUS DETROIT STR TR HENDRSN SHRT ETF 47103U886 11,697 241,223 SH   SOLE   0 0 241,223
JOHNSON & JOHNSON COM 478160104 306 1,870 SH   SOLE   0 0 1,870
JPMORGAN CHASE & CO COM 46625H100 1,712 16,387 SH   SOLE   0 0 16,387
MICROSOFT CORP COM 594918104 2,348 10,080 SH   SOLE   0 0 10,080
NORTHROP GRUMMAN CORP COM 666807102 1,722 3,661 SH   SOLE   0 0 3,661
NVIDIA CORPORATION COM 67066G104 257 2,117 SH   SOLE   0 0 2,117
PAYPAL HLDGS INC COM 70450Y103 780 9,068 SH   SOLE   0 0 9,068
PEPSICO INC COM 713448108 1,965 12,037 SH   SOLE   0 0 12,037
PFIZER INC COM 717081103 295 6,732 SH   SOLE   0 0 6,732
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 298 3,018 SH   SOLE   0 0 3,018
QUANTA SVCS INC COM 74762E102 1,527 11,989 SH   SOLE   0 0 11,989
REPUBLIC SVCS INC COM 760759100 1,477 10,854 SH   SOLE   0 0 10,854
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 1,902 67,600 SH   SOLE   0 0 67,600
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 1,979 41,003 SH   SOLE   0 0 41,003
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 2,081 45,937 SH   SOLE   0 0 45,937
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 212 5,055 SH   SOLE   0 0 5,055
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 4,594 69,152 SH   SOLE   0 0 69,152
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 713 12,774 SH   SOLE   0 0 12,774
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 1,300 22,210 SH   SOLE   0 0 22,210
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 204 3,366 SH   SOLE   0 0 3,366
SELECT SECTOR SPDR TR FINANCIAL 81369Y605 8,080 266,141 SH   SOLE   0 0 266,141
SPDR GOLD TR GOLD SHS 78463V107 567 3,669 SH   SOLE   0 0 3,669
SPDR INDEX SHS FDS MSCI ACWI EXUS 78463X848 1,650 77,788 SH   SOLE   0 0 77,788
SPDR SER TR S&P 600 SMCP GRW 78464A201 2,429 35,654 SH   SOLE   0 0 35,654
SPDR SER TR S&P 600 SMCP VAL 78464A300 5,355 79,765 SH   SOLE   0 0 79,765
TARGET CORP COM 87612E106 1,760 11,860 SH   SOLE   0 0 11,860
TESLA INC COM 88160R101 294 1,109 SH   SOLE   0 0 1,109
UNITEDHEALTH GROUP INC COM 91324P102 1,774 3,513 SH   SOLE   0 0 3,513
VANGUARD INDEX FDS GROWTH ETF 922908736 2,279 10,651 SH   SOLE   0 0 10,651
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 2,911 17,067 SH   SOLE   0 0 17,067
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 5,520 45,333 SH   SOLE   0 0 45,333
VANGUARD INDEX FDS TOTAL STK MKT 922908769 373 2,080 SH   SOLE   0 0 2,080
VANGUARD INDEX FDS VALUE ETF 922908744 14,743 119,398 SH   SOLE   0 0 119,398
VANGUARD SCOTTSDALE FDS LG-TERM COR BD 92206C813 4,761 65,002 SH   SOLE   0 0 65,002
VISA INC COM CL A 92826C839 1,031 5,804 SH   SOLE   0 0 5,804