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 100,461 965,688 SH   SOLE   965,688 0 0
SCHWAB U.S. MID-CAP ETF ETF 808524508 59,379 774,575 SH   SOLE   774,574 0 0
WISDOMTREE U.S. QUALITY DIVIDEND GROWTH FUND ETF 97717X669 40,279 684,554 SH   SOLE   684,554 0 0
ISHARES CORE 1-5 YEAR USD BOND ETF ETF 46432F859 36,964 723,797 SH   SOLE   723,797 0 0
SCHWAB U.S. SMALL-CAP ETF ETF 808524607 2,245 22,430 SH   SOLE   22,429 0 0
ISHARES MSCI USA QUALITY FACTOR ETF ETF 46432F339 2,099 15,936 SH   SOLE   15,936 0 0
APPLE INC COM Stock 037833100 1,963 13,874 SH   SOLE   13,874 0 0
INVESCO S&P MIDCAP LOW VOLATILITY ETF ETF 46138E198 1,698 32,322 SH   SOLE   32,321 0 0
INNOVATOR U.S. EQUITY BUFFER ETF - FEBRUARY ETF 45782C433 1,173 38,105 SH   SOLE   38,105 0 0
INNOVATOR TRIPLE STACKER ETF - JANUARY ETF 45782C169 991 34,564 SH   SOLE   34,564 0 0
INNOVATOR U.S. EQUITY POWER BUFFER ETF - JANUARY ETF 45782C508 898 27,512 SH   SOLE   27,512 0 0
ISHARES MSCI USA MIN VOL FACTOR ETF ETF 46429B697 812 11,044 SH   SOLE   11,044 0 0
AT&T INC COM Stock 00206R102 776 28,723 SH   SOLE   28,722 0 0
SPDR NUVEEN BLOOMBERG SHORT TERM MUNICIPAL BOND ETF ETF 78468R739 568 11,502 SH   SOLE   11,502 0 0
DIMENSIONAL U.S. CORE EQUITY 2 ETF ETF 25434V708 496 18,660 SH   SOLE   18,660 0 0
INNOVATOR RUSSELL 2000 POWER BUFFER ETF - JANUARY ETF 45782C474 418 13,439 SH   SOLE   13,439 0 0
INNOVATOR U.S. EQUITY BUFFER ETF - MAY ETF 45782C326 371 11,858 SH   SOLE   11,858 0 0
INNOVATOR RUSSELL 2000 POWER BUFFER ETF - OCTOBER ETF 45782C599 308 11,426 SH   SOLE   11,426 0 0