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
Estimated average burden
hours per response: 23.8
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
PIMCO ETF TR ACTIVE BD ETF 72201R775 18,148 164,160 SH   SOLE   0 0 164,160
GOLDMAN SACHS ETF TR ACTIVEBETA INT 381430107 2,407 70,441 SH   SOLE   0 0 70,441
ISHARES TR CORE S&P SCP ETF 464287804 9,816 89,898 SH   SOLE   0 0 89,898
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 19,755 193,809 SH   SOLE   0 0 193,809
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 5,462 73,574 SH   SOLE   0 0 73,574
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 6,207 80,966 SH   SOLE   0 0 80,966
SSGA ACTIVE ETF TR SPDR TR TACTIC 78467V848 11,120 230,132 SH   SOLE   0 0 230,132
ISHARES TR MSCI MIN VOL ETF 46429B697 6,780 92,243 SH   SOLE   0 0 92,243
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 5,105 34,473 SH   SOLE   0 0 34,473
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 2,441 23,499 SH   SOLE   0 0 23,499
JP MORGAN EXCHANGE TRADED FD ULTRA SHRT INC 46641Q837 17,414 344,318 SH   SOLE   0 0 344,318
ISHARES TR USA MOMENTUM FCT 46432F396 1,340 7,630 SH   SOLE   0 0 7,630
INVESCO EXCH TRD SLF IDX FD RUSL 1000 DYNM 46138J619 451 9,738 SH   SOLE   0 0 9,738
TESLA INC COM 88160R101 1,193 1,538 SH   SOLE   0 0 1,538
ISHARES TR MSCI USA VALUE 46432F388 215 2,132 SH   SOLE   0 0 2,132
INNOVATOR ETFS TR US EQTY BUFR JUL 45782C789 298 9,437 SH   SOLE   0 0 9,437
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 1,489 14,310 SH   SOLE   0 0 14,310
APPLE INC COM 037833100 3,259 23,034 SH   SOLE   0 0 23,034
ISHARES TR MSCI ACWI ETF 464288257 582 5,824 SH   SOLE   0 0 5,824
ISHARES INC MSCI EQUAL WEITE 464286681 1,615 19,301 SH   SOLE   0 0 19,301
SPDR SERIES TRUST MSCI USA STRTGIC 78468R812 1,482 12,421 SH   SOLE   0 0 12,421
VANGUARD BD INDEX FDS VANGUARD ULTRA 92203C303 6,443 128,506 SH   SOLE   0 0 128,506
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 3,196 31,930 SH   SOLE   0 0 31,930
ISHARES INC MIN VOL GBL ETF 464286525 4,854 47,250 SH   SOLE   0 0 47,250
ISHARES TR GRWT ALLOCAT ETF 464289867 308 5,555 SH   SOLE   0 0 5,555
VANGUARD INDEX FDS MID CAP ETF 922908629 3,690 15,584 SH   SOLE   0 0 15,584
WISDOMTREE TR US SMALLCAP DIVD 97717W604 238 7,734 SH   SOLE   0 0 7,734
WISDOMTREE TR US MIDCAP DIVID 97717W505 940 22,672 SH   SOLE   0 0 22,672
CALIFORNIA BANCORP COM 13005U101 46 2,625 SH   SOLE   0 0 2,625
SPDR SERIES TRUST S&P 400 MDCP GRW 78464A821 377 4,986 SH   SOLE   0 0 4,986
ZYNGA INC CL A 98986T108 11 1,466 SH   SOLE   0 0 1,466
DISNEY WALT CO COM DISNEY 254687106 34 199 SH   SOLE   0 0 199
INVESCO EXCHNG TRADED FD TR S&P 500 LOW VOL 46138E354 2,628 43,200 SH   SOLE   0 0 43,200
VANGUARD INDEX FDS TOTAL STK MKT 922908769 4,747 21,375 SH   SOLE   0 0 21,375
VANGUARD INDEX FDS GROWTH ETF 922908736 402 1,387 SH   SOLE   0 0 1,387
SPDR S&P 500 ETF TR TR UNIT 78462F103 3,914 9,121 SH   SOLE   0 0 9,121
J P MORGAN EXCHANGE-TRADED F ULTRA SHT MUNCPL 46641Q654 7,068 138,387 SH   SOLE   0 0 138,387
VANGUARD GROUP DIV APP ETF 921908844 536 3,488 SH   SOLE   0 0 3,488
ISHARES TR CORE S&P MCP ETF 464287507 970 3,688 SH   SOLE   0 0 3,688
ISHARES TR RUS 1000 ETF 464287622 2,026 8,381 SH   SOLE   0 0 8,381
COCA COLA CO COM 191216100 32 614 SH   SOLE   0 0 614
ORACLE CORP COM 68389X105 24 270 SH   SOLE   0 0 270
FLEXSHARES TR QUALT DIVD IDX 33939L860 1,201 21,590 SH   SOLE   0 0 21,590
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 925 9,086 SH   SOLE   0 0 9,086
BP PLC CALL 055622904 3 3 SH   SOLE   0 0 3
DEVON ENERGY CORP NEW CALL 25179M903 3 2 SH   SOLE   0 0 2
MARATHON OIL CORP CALL 565849906 3 4 SH   SOLE   0 0 4
SELECT SECTOR SPDR TR CALL 81369Y905 3 5 SH   SOLE   0 0 5
TENCENT MUSIC ENTMT GROUP CALL 88034P909 1 7 SH   SOLE   0 0 7
ISHARES TR RUSSELL 2000 ETF 464287655 54 245 SH   SOLE   0 0 245
INNOVATOR ETFS TR GROWTH ACCELE 45783Y509 5 160 SH   SOLE   0 0 160
UNITED STS 12 MONTH OIL FD L UNIT BEN INT 91288V103 8 300 SH   SOLE   0 0 300
INNOVATOR ETFS TR US EQUITY ACCELE 45783Y103 3 120 SH   SOLE   0 0 120
INNOVATOR ETFS TR US EQT ACCEL PLS 45783Y400 8 280 SH   SOLE   0 0 280
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 29 472 SH   SOLE   0 0 472
SPDR SERIES TRUST PRTFLO S&P500 GW 78464A409 389 6,070 SH   SOLE   0 0 6,070
PAYPAL HLDGS INC COM 70450Y103 136 524 SH   SOLE   0 0 524
ISHARES TR USA QUALITY FCTR 46432F339 1,256 9,538 SH   SOLE   0 0 9,538
DUKE ENERGY CORP NEW COM NEW 26441C204 34 346 SH   SOLE   0 0 346
DAVITA INC COM 23918K108 380 3,266 SH   SOLE   0 0 3,266
PINNACLE FINL PARTNERS INC COM 72346Q104 54 573 SH   SOLE   0 0 573
JP MORGAN EXCHANGE TRADED FD JPMORGAN DIVER 46641Q407 14 150 SH   SOLE   0 0 150
JP MORGAN EXCHANGE TRADED FD DIV RTN INT EQ 46641Q209 144 2,396 SH   SOLE   0 0 2,396
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 376 783 SH   SOLE   0 0 783
EVERGY INC COM 30034W106 26 412 SH   SOLE   0 0 412
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 311 5,732 SH   SOLE   0 0 5,732
CLOROX CO DEL COM 189054109 145 875 SH   SOLE   0 0 875
COMCAST CORP NEW CL A 20030N101 79 1,406 SH   SOLE   0 0 1,406
AT&T INC COM 00206R102 329 12,177 SH   SOLE   0 0 12,177
VERIZON COMMUNICATIONS INC COM 92343V104 52 955 SH   SOLE   0 0 955
INVESCO QQQ TR UNIT SER 1 46090E103 283 790 SH   SOLE   0 0 790
VODAFONE GROUP PLC NEW SPONSORED ADR 92857W308 1 47 SH   SOLE   0 0 47
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 34 125 SH   SOLE   0 0 125
VANGUARD WORLD FD MEGA CAP INDEX 921910873 28 182 SH   SOLE   0 0 182
SOUTHWEST AIRLS CO COM 844741108 6 108 SH   SOLE   0 0 108
ISHARES TR MSCI ACWI EX US 464288240 30 540 SH   SOLE   0 0 540
ISHARES TR MSCI EMG MKT ETF 464287234 26 509 SH   SOLE   0 0 509
SPDR SERIES TRUST S&P 400 MDCP VAL 78464A839 14 210 SH   SOLE   0 0 210
MACERICH CO COM 554382101 18 1,061 SH   SOLE   0 0 1,061
PROCTER & GAMBLE CO COM 742718109 6,478 46,337 SH   SOLE   0 0 46,337
SPDR SERIES TRUST S&P DIVID ETF 78464A763 137 1,165 SH   SOLE   0 0 1,165
INVESCO EXCHNG TRADED FD TR SR LN ETF 46138G508 7 329 SH   SOLE   0 0 329
WISDOMTREE TR INTL SMCAP DIV 97717W760 5 69 SH   SOLE   0 0 69
ISHARES TR MIN VOL EAFE ETF 46429B689 11 152 SH   SOLE   0 0 152
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771 57 1,064 SH   SOLE   0 0 1,064
SPDR INDEX SHS FDS ASIA PACIF ETF 78463X301 8 63 SH   SOLE   0 0 63
INVESCO EXCHANGE TRADED FD T S&P500 PUR GWT 46137V266 18 92 SH   SOLE   0 0 92
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 15 390 SH   SOLE   0 0 390
INVESCO EXCHNG TRADED FD TR S&P MIDCP LOW 46138E198 9 176 SH   SOLE   0 0 176
NOKIA CORP CALL 654902904 11 41 SH   SOLE   0 0 41
GENERAL ELECTRIC CO CALL 369604901 5 7 SH   SOLE   0 0 7
INNOVATOR ETFS TR US EQTY BUF SEP 45782C664 31 989 SH   SOLE   0 0 989
ISHARES TR MSCI EAFE ETF 464287465 125 1,599 SH   SOLE   0 0 1,599
FORD MTR CO DEL COM 345370860 10 718 SH   SOLE   0 0 718
INNOVATOR ETFS TR US EQT ACLRTD 9 45783Y889 15 582 SH   SOLE   0 0 582
INNOVATOR ETFS TR GROWTH ACCELERAT 45783Y608 1 40 SH   SOLE   0 0 40
CHEVRON CORP NEW COM 166764100 64 631 SH   SOLE   0 0 631
ISHARES TR CORE S&P500 ETF 464287200 217 503 SH   SOLE   0 0 503
MICROSOFT CORP COM 594918104 93 329 SH   SOLE   0 0 329
ALIGN TECHNOLOGY INC COM 016255101 196 294 SH   SOLE   0 0 294
VANGUARD INDEX FDS VALUE ETF 922908744 19 139 SH   SOLE   0 0 139
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 60 1,400 SH   SOLE   0 0 1,400
ETF SER SOLUTIONS CALL 26922A902 0 1 SH   SOLE   0 0 1
VALE S A CALL 91912E905 2 3 SH   SOLE   0 0 3
BANK AMER CORP COM 060505104 0 9 SH   SOLE   0 0 9
ISHARES TR RUS MDCP VAL ETF 464287473 8 75 SH   SOLE   0 0 75
STRYKER CORP COM 863667101 11 40 SH   SOLE   0 0 40
ISHARES TR CALIF MUN BD ETF 464288356 119 1,923 SH   SOLE   0 0 1,923
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730 27 831 SH   SOLE   0 0 831
ABERDEEN STD PRECIOUS METALS PHYSCL PM BASKET 003263100 2 22 SH   SOLE   0 0 22
DBX ETF TR XTRACK INTL REAL 233051846 5 186 SH   SOLE   0 0 186
INVESCO EXCH TRADED FD TR II FTSE RAFI SML 46138E735 16 435 SH   SOLE   0 0 435
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613 36 226 SH   SOLE   0 0 226
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1500 46137V597 21 117 SH   SOLE   0 0 117
INVESCO EXCH TRADED FD TR II FTSE RAFI DEV 46138E743 24 517 SH   SOLE   0 0 517
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 11 272 SH   SOLE   0 0 272
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 18 596 SH   SOLE   0 0 596
ISHARES TR CRE U S REIT ETF 464288521 6 101 SH   SOLE   0 0 101
VANGUARD INDEX FDS SMALL CP ETF 922908751 33 150 SH   SOLE   0 0 150
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 17 333 SH   SOLE   0 0 333
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 38 96 SH   SOLE   0 0 96
JOHNSON & JOHNSON COM 478160104 333 2,065 SH   SOLE   0 0 2,065
MCDONALDS CORP COM 580135101 24 100 SH   SOLE   0 0 100
SPDR DOW JONES INDL AVRG ETF UT SER 1 78467X109 291 860 SH   SOLE   0 0 860
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 60 401 SH   SOLE   0 0 401
P MORGAN EXCHANGE-TRADED F DIV RTN EM EQT 46641Q308 2 40 SH   SOLE   0 0 40
MODERNA INC COM 60770K107 58 150 SH   SOLE   0 0 150
ISHARES TR S&P 500 GRWT ETF 464287309 36 489 SH   SOLE   0 0 489
ISHARES TR MULTIFACTOR USA 46434V282 28 657 SH   SOLE   0 0 657
EXXON MOBIL CORP COM 30231G102 40 685 SH   SOLE   0 0 685
ISHARES TR EDGE MSCI MINM 46435G433 126 3,385 SH   SOLE   0 0 3,385
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708 167 6,301 SH   SOLE   0 0 6,301
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880 47 1,808 SH   SOLE   0 0 1,808
BOEING CO COM 097023105 22 100 SH   SOLE   0 0 100
CITIGROUP INC COM NEW 172967424 8 114 SH   SOLE   0 0 114
KONTOOR BRANDS INC COM 50050N103 0 1 SH   SOLE   0 0 1
V F CORP COM 918204108 52 774 SH   SOLE   0 0 774
COSTCO WHSL CORP NEW COM 22160K105 49 110 SH   SOLE   0 0 110
AMAZON COM INC COM 023135106 769 234 SH   SOLE   0 0 234
ARK ETF TR INNOVATION ETF 00214Q104 39 355 SH   SOLE   0 0 355
WHITE MTNS INS GROUP LTD COM G9618E107 96 90 SH   SOLE   0 0 90
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 79 963 SH   SOLE   0 0 963
DELTA AIR LINES INC DEL COM NEW 247361702 21 488 SH   SOLE   0 0 488
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763 8 151 SH   SOLE   0 0 151
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755 60 1,829 SH   SOLE   0 0 1,829
SCHWAB STRATEGIC TR US REIT ETF 808524847 14 297 SH   SOLE   0 0 297
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 53 557 SH   SOLE   0 0 557
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771 18 331 SH   SOLE   0 0 331
NEXTERA ENERGY INC COM 65339F101 114 1,448 SH   SOLE   0 0 1,448
ROSS STORES INC COM 778296103 8 72 SH   SOLE   0 0 72
PFIZER INC COM 717081103 3 70 SH   SOLE   0 0 70
VIATRIS INC COM 92556V106 0 8 SH   SOLE   0 0 8
VISA INC COM CL A 92826C839 76 340 SH   SOLE   0 0 340
SPDR GOLD TRUST GOLD SHS 78463V107 18 111 SH   SOLE   0 0 111
HOME DEPOT INC COM 437076102 51 155 SH   SOLE   0 0 155
INTEL CORP COM 458140100 101 1,895 SH   SOLE   0 0 1,895
PIONEER NAT RES CO COM 723787107 12 71 SH   SOLE   0 0 71
CHIPOTLE MEXICAN GRILL INC COM 169656105 2 1 SH   SOLE   0 0 1
ENPHASE ENERGY INC COM 29355A107 0 1 SH   SOLE   0 0 1
LOGITECH INTL S A SHS H50430232 0 1 SH   SOLE   0 0 1
1LIFE HEALTHCARE INC COM 68269G107 2 100 SH   SOLE   0 0 100
PENN NATL GAMING INC COM 707569109 7 100 SH   SOLE   0 0 100
VIRGIN GALACTIC HOLDINGS INC COM 92766K106 2 96 SH   SOLE   0 0 96
ARK ETF TR FINTECH INNOVA 00214Q708 47 950 SH   SOLE   0 0 950
CARNIVAL CORP UNIT 99/99/9999 143658300 3 100 SH   SOLE   0 0 100
VANGUARD INDEX FDS SML CP GRW ETF 922908595 159 569 SH   SOLE   0 0 569
VANGUARD INDEX FDS SM CP VAL ETF 922908611 26 155 SH   SOLE   0 0 155
AMERICAN ELEC PWR CO INC COM 025537101 16 200 SH   SOLE   0 0 200
CISCO SYS INC COM 17275R102 22 400 SH   SOLE   0 0 400
KIMBERLY CLARK CORP COM 494368103 11 85 SH   SOLE   0 0 85
SERVICENOW INC COM 81762P102 187 300 SH   SOLE   0 0 300
ISHARES TR CORE MSCI PAC 46434V696 6 86 SH   SOLE   0 0 86
WISDOMTREE TR JAPN HEDGE EQT 97717W851 7 104 SH   SOLE   0 0 104
PERSHING SQUARE TONTINE HLDG COM CL A 71531R109 4 200 SH   SOLE   0 0 200
RESERVOIR MEDIA INC COM 76119X105 1 100 SH   SOLE   0 0 100
AMERICAN TOWER CORP NEW COM 03027X100 38 145 SH   SOLE   0 0 145
CROWN CASTLE INTL CORP NEW COM 22822V101 33 190 SH   SOLE   0 0 190
BOSTON SCIENTIFIC CORP COM 101137107 9 200 SH   SOLE   0 0 200
HIMAX TECHNOLOGIES INC SPONSORED ADR 43289P106 0 30 SH   SOLE   0 0 30
PALANTIR TECHNOLOGIES INC CALL 69608A908 2 0 SH   SOLE   0 0 0
ISHARES TR CALL 464287905 0 2 SH   SOLE   0 0 2
UNITED STS OIL FD LP CALL 91232N907 2 7 SH   SOLE   0 0 7
ISHARES TR CALL 464288903 0 5 SH   SOLE   0 0 5
ISHARES INC MSCI JPN ETF NEW 46434G822 6 87 SH   SOLE   0 0 87
GOLDMAN SACHS ETF TR EQUITY ETF 381430503 38 439 SH   SOLE   0 0 439
NEKTAR THERAPEUTICS COM 640268108 1 40 SH   SOLE   0 0 40
NOKIA CORP SPONSORED ADR 654902204 1 200 SH   SOLE   0 0 200
INVESCO EXCHANGE TRADED FD T S&P MDCP400 PR 46137V217 11 52 SH   SOLE   0 0 52
INVESCO EXCHNG TRADED FD TR S&P 500 ENHNCD 46138E396 5 113 SH   SOLE   0 0 113
SALESFORCE COM INC COM 79466L302 35 129 SH   SOLE   0 0 129
ALPHABET INC CAP STK CL C 02079K107 32 12 SH   SOLE   0 0 12
ALPHABET INC CAP STK CL A 02079K305 32 12 SH   SOLE   0 0 12
MASTERCARD INC CL A 57636Q104 44 126 SH   SOLE   0 0 126
WELLS FARGO CO NEW COM 949746101 320 6,904 SH   SOLE   0 0 6,904
COINBASE GLOBAL INC COM CL A 19260Q107 114 500 SH   SOLE   0 0 500
MAXAR TECHNOLOGIES INC COM 57778K105 34 1,200 SH   SOLE   0 0 1,200