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
SCHWAB U.S. LARGE-CAP ETF ETF 808524201 93,727 976,018 SH   SOLE   976,017 0 0
SCHWAB U.S. MID-CAP ETF ETF 808524508 57,589 773,735 SH   SOLE   773,735 0 0
WISDOMTREE U.S. QUALITY DIVIDEND GROWTH FUND ETF 97717X669 38,400 671,453 SH   SOLE   671,453 0 0
SCHWAB U.S. SMALL-CAP ETF ETF 808524607 2,282 22,891 SH   SOLE   22,891 0 0
ISHARES MSCI USA QUALITY FACTOR ETF ETF 46432F339 2,087 17,135 SH   SOLE   17,134 0 0
INVESCO S&P MIDCAP LOW VOLATILITY ETF ETF 46138E198 1,845 35,238 SH   SOLE   35,238 0 0
APPLE INC COM Stock 037833100 1,733 14,188 SH   SOLE   14,188 0 0
INNOVATOR S&P 500 BUFFER ETF - FEBRUARY ETF 45782C433 1,107 38,105 SH   SOLE   38,105 0 0
INNOVATOR S&P 500 POWER BUFFER ETF - JANUARY ETF 45782C508 899 28,492 SH   SOLE   28,492 0 0
AT&T INC COM Stock 00206R102 807 26,651 SH   SOLE   26,651 0 0
ISHARES MSCI USA MIN VOL FACTOR ETF ETF 46429B697 779 11,259 SH   SOLE   11,259 0 0
INNOVATOR RUSSELL 2000 POWER BUFFER ETF - OCTOBER ETF 45782C599 654 24,698 SH   SOLE   24,698 0 0
SPDR NUVEEN BLOOMBERG BARCLAYS SHORT TERM MUNICIPAL BOND ETF ETF 78468R739 568 11,458 SH   SOLE   11,457 0 0
INNOVATOR RUSSELL 2000 POWER BUFFER ETF - JANUARY ETF 45782C474 409 13,439 SH   SOLE   13,439 0 0