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
ALPHABET INC CAP STK CL A CAP STK CL A 02079K305 415 348 SH   SOLE NONE 0 0 348
AMAZON.COM INC COM 023135106 1,208 605 SH   SOLE NONE 0 0 605
APPLE INC COM USD0.00001 COM 037833100 4,299 16,897 SH   SOLE NONE 0 0 16,897
AT&T INC COM USD1 COM 00206R102 672 23,079 SH   SOLE NONE 0 0 23,079
BERKSHIRE HATHAWAY INC COM USD0.0033 CLASS B CL B NEW 084670702 736 4,020 SH   SOLE NONE 0 0 4,020
BK OF AMERICA CORP COM COM 060505104 218 11,771 SH   SOLE NONE 0 0 11,771
COSTCO WHOLESALE CORP COM USD0.01 COM 22160K105 289 1,011 SH   SOLE NONE 0 0 1,011
CROWN CASTLE INTL CORP NEW COM ISIN #US22822V1017 SEDOL #BTGQCX1 COM 22822V101 417 2,888 SH   SOLE NONE 0 0 2,888
DISNEY WALT CO COM DISNEY 254687106 272 2,841 SH   SOLE NONE 0 0 2,841
FACEBOOK INC-CLASS A CL A 30303M102 306 1,813 SH   SOLE NONE 0 0 1,813
FIDELITY CORPORATE BOND ETF CORP BOND ETF 316188101 5,108 101,955 SH   SOLE NONE 0 0 101,955
FIDELITY HIGH DIVIDEND ETF HIGH DIVID ETF 316092840 2,547 111,187 SH   SOLE NONE 0 0 111,187
FIDELITY LOW DURATION BOND FACTOR ETF LOW DURTIN ETF 316188408 3,235 66,116 SH   SOLE NONE 0 0 66,116
FIDELITY MSCI INFORMATION TECHNOLOGY INDEX ETF MSCI INFO TECH I 316092808 3,832 60,956 SH   SOLE NONE 0 0 60,956
FIDELITY MSCI UTILS INDEX ETF MSCI UTILS INDEX 316092865 1,372 38,196 SH   SOLE NONE 0 0 38,196
FIDELITY NASDAQ COMPOSITE INDEX TRACKING STOCK NDQ CP IDX TRK 315912808 2,797 9,368 SH   SOLE NONE 0 0 9,368
FIDELITY QUALITY FACTOR ETF QLTY FCTOR ETF 316092790 7,716 251,910 SH   SOLE NONE 0 0 251,910
FIRST TR EXCHANGE TRADED FD DOW JONES INTERNET INDEX FD DJ INTERNT IDX 33733E302 522 4,219 SH   SOLE NONE 0 0 4,219
HOME DEPOT INC COM COM 437076102 261 1,507 SH   SOLE NONE 0 0 1,507
INVESCO EXCH TRD SLF IDX FD TR BULSHS 2021 CB BULSHS 2021 CB 46138J700 615 29,360 SH   SOLE NONE 0 0 29,360
INVESCO EXCH TRD SLF IDX FD TR BULSHS 2021 HY BULSHS 2021 HY 46138J809 473 21,385 SH   SOLE NONE 0 0 21,385
INVESCO EXCH TRD SLF IDX FD TR BULSHS 2022 CB BULSHS 2022 CB 46138J882 536 25,339 SH   SOLE NONE 0 0 25,339
INVESCO EXCH TRD SLF IDX FD TR BULSHS 2022 HY BULSHS 2022 HY 46138J874 378 17,489 SH   SOLE NONE 0 0 17,489
INVESCO EXCH TRD SLF IDX FD TR BULSHS 2023 CB BULSHS 2023 CB 46138J866 463 22,354 SH   SOLE NONE 0 0 22,354
INVESCO EXCH TRD SLF IDX FD TR BULSHS 2023 HY BULSHS 2023 HY 46138J858 278 12,408 SH   SOLE NONE 0 0 12,408
INVESCO EXCH TRD SLF IDX FD TR BULSHS 2024 CB BULSHS 2024 CB 46138J841 406 19,693 SH   SOLE NONE 0 0 19,693
INVESCO EXCH TRD SLF IDX FD TR BULSHS 2024 HY BULSHS 2024 HY 46138J833 297 13,394 SH   SOLE NONE 0 0 13,394
INVESCO EXCH TRD SLF IDX FD TR BULSHS 2025 CB BULSHS 2025 CB 46138J825 324 15,796 SH   SOLE NONE 0 0 15,796
INVESCO EXCH TRD SLF IDX FD TR BULSHS 2026 CB BULSHS 2026 CB 46138J791 287 14,612 SH   SOLE NONE 0 0 14,612
ISHARES CORE S&P 500 ETF CORE S&P500 ETF 464287200 16,396 63,321 SH   SOLE NONE 0 0 63,321
ISHARES CORE S&P SMALL-CAP E CORE S&P SCP ETF 464287804 1,562 27,902 SH   SOLE NONE 0 0 27,902
ISHARES CORE S&P TOTAL US STOCK MARKET ETF CORE S&P TTL STK 464287150 3,612 63,000 SH   SOLE NONE 0 0 63,000
ISHARES EDGE MSCI MIN VOL USA ETF MSCI MIN VOL ETF 46429B697 13,681 253,034 SH   SOLE NONE 0 0 253,034
ISHARES INC CORE MSCI EMERGING MKTS ETF CORE MSCI EMKT 46434G103 4,305 105,991 SH   SOLE NONE 0 0 105,991
ISHARES INC ESG MSCI EM ETF ESG MSCI EM ETF 46434G863 4,211 153,490 SH   SOLE NONE 0 0 153,490
ISHARES INC MSCI USA EQUAL WEIGHTED ETF INDEX FD MSCI EQUAL WEITE 464286681 2,045 43,688 SH   SOLE NONE 0 0 43,688
ISHARES TR 20 YR TR BD ETF 20 YR TR BD ETF 464287432 1,556 9,421 SH   SOLE NONE 0 0 9,421
ISHARES TR ESG MSCI USA ETF ESG MSCI USA ETF 46435G425 7,100 123,157 SH   SOLE NONE 0 0 123,157
ISHARES TR INTRM TR CRP ETF INTRM TR CRP ETF 464288638 5,168 93,974 SH   SOLE NONE 0 0 93,974
ISHARES TR JP MOR EM MK ETF JPMORGAN USD EMG 464288281 3,486 36,064 SH   SOLE NONE 0 0 36,064
ISHARES TR LNG TR CRPRT BD LNG TR CRPRT BD 464289511 5,073 79,751 SH   SOLE NONE 0 0 79,751
ISHARES TR MBS ETF MBS ETF 464288588 3,508 31,733 SH   SOLE NONE 0 0 31,733
ISHARES TR PFD AND INCM SEC PFD AND INCM SEC 464288687 1,828 57,426 SH   SOLE NONE 0 0 57,426
ISHARES TR US TREAS BD ETF US TREAS BD ETF 46429B267 18,260 650,602 SH   SOLE NONE 0 0 650,602
ISHARES TRUST 0-5YR HIGH YIELD CORP BD ISIN #US46434V4077 SEDOL #BFS2LL0 0-5YR HI YL CP 46434V407 4,281 104,580 SH   SOLE NONE 0 0 104,580
ISHARES TRUST CORE DIVID GWTH CORE DIV GRWTH 46434V621 2,785 85,474 SH   SOLE NONE 0 0 85,474
ISHARES TRUST CORE MSCI EAFE ETF CORE MSCI EAFE 46432F842 11,621 232,372 SH   SOLE NONE 0 0 232,372
JOHNSON &JOHNSON COM USD1.00 COM 478160104 495 3,729 SH   SOLE NONE 0 0 3,729
JPMORGAN CHASE & CO COM USD1.00 COM 46625H100 544 6,169 SH   SOLE NONE 0 0 6,169
MCDONALDS CORP COM 580135101 399 2,476 SH   SOLE NONE 0 0 2,476
MERCK & CO INC NEW COM COM 58933Y105 262 3,426 SH   SOLE NONE 0 0 3,426
MICROSOFT CORP COM 594918104 1,056 6,677 SH   SOLE NONE 0 0 6,677
NETFLIX COM INC COM COM 64110L106 366 977 SH   SOLE NONE 0 0 977
PAYPAL HLDGS INC COM COM 70450Y103 473 4,949 SH   SOLE NONE 0 0 4,949
PENNEY J C CORP INC COM COM 708160106 14 39,500 SH   SOLE NONE 0 0 39,500
PFIZER INC COM 717081103 243 7,521 SH   SOLE NONE 0 0 7,521
PROCTER & GAMBLE CO COM COM 742718109 704 6,402 SH   SOLE NONE 0 0 6,402
PROGRESSIVE CORP OHIO COM USD 1.00 COM 743315103 363 4,916 SH   SOLE NONE 0 0 4,916
SPROTT PHYSICAL GOLD TRUST UNIT ISIN #CA85207H1047 SEDOL #BYVW239 UNIT 85207H104 288 21,963 SH   SOLE NONE 0 0 21,963
STARBUCKS CORP COM USD0.001 COM 855244109 346 5,349 SH   SOLE NONE 0 0 5,349
TESLA INC COM COM 88160R101 376 699 SH   SOLE NONE 0 0 699
THERMO FISHER SCIENTIFIC INC COM 883556102 272 933 SH   SOLE NONE 0 0 933
UNITEDHEALTH GROUP COM 91324P102 811 3,300 SH   SOLE NONE 0 0 3,300
VERIZON COMMUNICATIONS COM 92343V104 467 8,695 SH   SOLE NONE 0 0 8,695
VISA INC COM CL A COM CL A 92826C839 398 2,462 SH   SOLE NONE 0 0 2,462
VMWARE INC CL A COM CL A COM 928563402 266 2,182 SH   SOLE NONE 0 0 2,182
WALMART INC COM COM 931142103 270 2,304 SH   SOLE NONE 0 0 2,304