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
1LIFE HEALTHCARE INC COM 68269G107 1 100 SH   SOLE   0 0 100
ACTIVISION BLIZZARD INC COM 00507V109 4 56 SH   SOLE   0 0 56
ALIGN TECHNOLOGY INC COM 016255101 70 294 SH   SOLE   0 0 294
ALPHABET INC CAP STK CL C 02079K107 52 24 SH   SOLE   0 0 24
ALPHABET INC CAP STK CL A 02079K305 39 18 SH   SOLE   0 0 18
AMAZON COM INC COM 023135106 531 5,000 SH   SOLE   0 0 5,000
AMERICAN ELEC PWR CO INC COM 025537101 19 200 SH   SOLE   0 0 200
AMERICAN TOWER CORP NEW COM 03027X100 37 145 SH   SOLE   0 0 145
APPLE INC COM 037833100 3,279 23,982 SH   SOLE   0 0 23,982
ARK ETF TR INNOVATION ETF 00214Q104 14 358 SH   SOLE   0 0 358
ARK ETF TR FINTECH INNOVA 00214Q708 15 950 SH   SOLE   0 0 950
AT&T INC COM 00206R102 255 12,177 SH   SOLE   0 0 12,177
BANK AMER CORP COM 060505104 0 9 SH   SOLE   0 0 9
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 46 169 SH   SOLE   0 0 169
BOEING CO COM 097023105 14 100 SH   SOLE   0 0 100
BOOKING HOLDINGS INC COM 09857L108 5 3 SH   SOLE   0 0 3
BOSTON SCIENTIFIC CORP COM 101137107 7 200 SH   SOLE   0 0 200
BP PLC SPONSORED ADR 055622104 4 8 SH Call SOLE   0 0 8
CALIFORNIA BANCORP COM 13005U101 51 2,625 SH   SOLE   0 0 2,625
CANADIAN NATL RY CO COM 136375102 8 67 SH   SOLE   0 0 67
CARNIVAL CORP COMMON STOCK 143658300 1 100 SH   SOLE   0 0 100
CHEVRON CORP NEW COM 166764100 86 591 SH   SOLE   0 0 591
CHIPOTLE MEXICAN GRILL INC COM 169656105 1 1 SH   SOLE   0 0 1
CISCO SYS INC COM 17275R102 17 400 SH   SOLE   0 0 400
CITIGROUP INC COM NEW 172967424 5 114 SH   SOLE   0 0 114
CLOROX CO DEL COM 189054109 123 875 SH   SOLE   0 0 875
COCA COLA CO COM 191216100 26 414 SH   SOLE   0 0 414
COMCAST CORP NEW CL A 20030N101 55 1,406 SH   SOLE   0 0 1,406
COSTCO WHSL CORP NEW COM 22160K105 53 110 SH   SOLE   0 0 110
CROWN CASTLE INTL CORP NEW COM 22822V101 32 190 SH   SOLE   0 0 190
DAVITA INC COM 23918K108 261 3,266 SH   SOLE   0 0 3,266
DELTA AIR LINES INC DEL COM NEW 247361702 14 488 SH   SOLE   0 0 488
DEVON ENERGY CORP NEW COM 25179M103 7 2 SH Call SOLE   0 0 2
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708 147 6,301 SH   SOLE   0 0 6,301
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880 39 1,808 SH   SOLE   0 0 1,808
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724 111 3,525 SH   SOLE   0 0 3,525
DISNEY WALT CO COM DISNEY 254687106 23 244 SH   SOLE   0 0 244
DUKE ENERGY CORP NEW COM NEW 26441C204 37 346 SH   SOLE   0 0 346
ENPHASE ENERGY INC COM 29355A107 0 1 SH   SOLE   0 0 1
ETF SER SOLUTIONS NATIONWIDE NASDQ 26922A172 0 1 SH Call SOLE   0 0 1
EXXON MOBIL CORP COM 30231G102 17 200 SH   SOLE   0 0 200
FLEXSHARES TR QUALT DIVD IDX 33939L860 1,098 21,642 SH   SOLE   0 0 21,642
FORD MTR CO DEL COM 345370860 8 731 SH   SOLE   0 0 731
GENERAL ELECTRIC CO COM NEW 369604301 0 2 SH Call SOLE   0 0 2
GENERAL ELECTRIC CO COM NEW 369604301 2 34 SH   SOLE   0 0 34
GOLDMAN SACHS ETF TR ACTIVEBETA INT 381430107 2,394 86,193 SH   SOLE   0 0 86,193
GOLDMAN SACHS ETF TR EQUITY ETF 381430503 33 444 SH   SOLE   0 0 444
HIMAX TECHNOLOGIES INC SPONSORED ADR 43289P106 0 30 SH   SOLE   0 0 30
HOME DEPOT INC COM 437076102 43 155 SH   SOLE   0 0 155
INNOVATOR ETFS TR US EQTY BUFR JUL 45782C789 254 8,437 SH   SOLE   0 0 8,437
INNOVATOR ETFS TR US EQT ULTRA BF 45782C300 169 5,800 SH   SOLE   0 0 5,800
INNOVATOR ETFS TR US EQTY ULTRA B 45782C532 120 4,300 SH   SOLE   0 0 4,300
INNOVATOR ETFS TR GROWTH ACCELE 45783Y509 4 160 SH   SOLE   0 0 160
INNOVATOR ETFS TR US EQUITY ACCELE 45783Y103 3 120 SH   SOLE   0 0 120
INNOVATOR ETFS TR US EQT ACCEL PLS 45783Y400 7 280 SH   SOLE   0 0 280
INNOVATOR ETFS TR US EQTY PWR BUF 45782C540 20 700 SH   SOLE   0 0 700
INNOVATOR ETFS TR US EQTY BUF SEP 45782C664 29 989 SH   SOLE   0 0 989
INNOVATOR ETFS TR US EQT ACLRTD 9 45783Y889 14 582 SH   SOLE   0 0 582
INNOVATOR ETFS TR GROWTH ACCELERAT 45783Y608 1 40 SH   SOLE   0 0 40
INTEL CORP COM 458140100 56 1,490 SH   SOLE   0 0 1,490
INTUITIVE SURGICAL INC COM NEW 46120E602 5 27 SH   SOLE   0 0 27
INVESCO EXCH TRADED FD TR II FTSE RAFI SML 46138E735 13 435 SH   SOLE   0 0 435
INVESCO EXCH TRADED FD TR II FTSE RAFI DEV 46138E743 21 517 SH   SOLE   0 0 517
INVESCO EXCH TRD SLF IDX FD RUSL 1000 DYNM 46138J619 368 8,925 SH   SOLE   0 0 8,925
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613 33 226 SH   SOLE   0 0 226
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1500 46137V597 18 117 SH   SOLE   0 0 117
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 43 318 SH   SOLE   0 0 318
INVESCO EXCHANGE TRADED FD T S&P MDCP400 PR 46137V217 8 52 SH   SOLE   0 0 52
INVESCO EXCHNG TRADED FD TR S&P 500 LOW VOL 46138E354 2,589 41,758 SH   SOLE   0 0 41,758
INVESCO EXCHNG TRADED FD TR S&P 500 ENHNCD 46138E396 5 115 SH   SOLE   0 0 115
INVESCO QQQ TR UNIT SER 1 46090E103 229 819 SH   SOLE   0 0 819
ISHARES INC MSCI EQUAL WEITE 464286681 1,341 18,980 SH   SOLE   0 0 18,980
ISHARES INC MIN VOL GBL ETF 464286525 2,780 29,414 SH   SOLE   0 0 29,414
ISHARES INC MSCI JPN ETF NEW 46434G822 5 87 SH   SOLE   0 0 87
ISHARES TR CORE S&P SCP ETF 464287804 10,874 117,670 SH   SOLE   0 0 117,670
ISHARES TR MSCI MIN VOL ETF 46429B697 6,254 89,083 SH   SOLE   0 0 89,083
ISHARES TR USA MOMENTUM FCT 46432F396 1,056 7,741 SH   SOLE   0 0 7,741
ISHARES TR MSCI USA VALUE 46432F388 442 4,887 SH   SOLE   0 0 4,887
ISHARES TR MSCI ACWI ETF 464288257 1,838 21,907 SH   SOLE   0 0 21,907
ISHARES TR GRWT ALLOCAT ETF 464289867 114 2,382 SH   SOLE   0 0 2,382
ISHARES TR CORE S&P MCP ETF 464287507 846 3,737 SH   SOLE   0 0 3,737
ISHARES TR RUS 1000 ETF 464287622 1,740 8,375 SH   SOLE   0 0 8,375
ISHARES TR SHORT TREAS BD 464288679 624 5,665 SH   SOLE   0 0 5,665
ISHARES TR RUSSELL 2000 ETF 464287655 42 247 SH   SOLE   0 0 247
ISHARES TR USA QUALITY FCTR 46432F339 959 8,579 SH   SOLE   0 0 8,579
ISHARES TR MSCI ACWI EX US 464288240 3 63 SH   SOLE   0 0 63
ISHARES TR MSCI EMG MKT ETF 464287234 21 522 SH   SOLE   0 0 522
ISHARES TR MSCI EAFE ETF 464287465 83 1,329 SH   SOLE   0 0 1,329
ISHARES TR CORE S&P500 ETF 464287200 191 503 SH   SOLE   0 0 503
ISHARES TR RUS MDCP VAL ETF 464287473 8 75 SH   SOLE   0 0 75
ISHARES TR CALIF MUN BD ETF 464288356 44 773 SH   SOLE   0 0 773
ISHARES TR S&P 500 GRWT ETF 464287309 30 489 SH   SOLE   0 0 489
ISHARES TR MULTIFACTOR USA 46434V282 25 667 SH   SOLE   0 0 667
ISHARES TR EDGE MSCI MINM 46435G433 115 3,385 SH   SOLE   0 0 3,385
ISHARES TR CORE MSCI PAC 46434V696 5 88 SH   SOLE   0 0 88
ISHARES TR GLOBAL ENERG ETF 464287341 4 105 SH   SOLE   0 0 105
JOHNSON & JOHNSON COM 478160104 367 2,065 SH   SOLE   0 0 2,065
JP MORGAN EXCHANGE-TRADED F ULTRA SHRT INC 46641Q837 18,939 378,099 SH   SOLE   0 0 378,099
JP MORGAN EXCHANGE-TRADED F ULTRA SHT MUNCPL 46641Q654 6,238 123,160 SH   SOLE   0 0 123,160
JP MORGAN EXCHANGE-TRADED F JPMORGAN DIVER 46641Q407 14 150 SH   SOLE   0 0 150
JP MORGAN EXCHANGE-TRADED F DIV RTN EM EQT 46641Q308 5 93 SH   SOLE   0 0 93
JP MORGAN EXCHANGE-TRADED F DIV RTN INT EQ 46641Q209 5 100 SH   SOLE   0 0 100
KONTOOR BRANDS INC COM 50050N103 0 1 SH   SOLE   0 0 1
LOGITECH INTL S A SHS H50430232 0 1 SH   SOLE   0 0 1
MACERICH CO COM 554382101 10 1,094 SH   SOLE   0 0 1,094
MARATHON OIL CORP COM 565849106 6 4 SH Call SOLE   0 0 4
MASTERCARD INC CL A 57636Q104 40 126 SH   SOLE   0 0 126
MCDONALDS CORP COM 580135101 25 100 SH   SOLE   0 0 100
MERCADOLIBRE INC COM 58733R102 19 29 SH   SOLE   0 0 29
MICROSOFT CORP COM 594918104 80 312 SH   SOLE   0 0 312
MIDDLEBY CORP COM 596278101 5 40 SH   SOLE   0 0 40
MODERNA INC COM 60770K107 21 150 SH   SOLE   0 0 150
MONGODB INC CL A 60937P106 26 100 SH   SOLE   0 0 100
NEKTAR THERAPEUTICS COM 640268108 0 40 SH   SOLE   0 0 40
NETFLIX INC COM 64110L106 6 33 SH   SOLE   0 0 33
NEXTERA ENERGY INC COM 65339F101 112 1,448 SH   SOLE   0 0 1,448
NOKIA CORP SPONSORED ADR 654902204 8 41 SH Call SOLE   0 0 41
NOKIA CORP SPONSORED ADR 654902204 1 200 SH   SOLE   0 0 200
ORACLE CORP COM 68389X105 19 270 SH   SOLE   0 0 270
OUSTER INC COM 68989M103 1 740 SH   SOLE   0 0 740
PALANTIR TECHNOLOGIES INC CL A 69608A108 0 5 SH Call SOLE   0 0 5
PAYPAL HLDGS INC COM 70450Y103 37 524 SH   SOLE   0 0 524
PENN NATL GAMING INC COM 707569109 3 100 SH   SOLE   0 0 100
PFIZER INC COM 717081103 4 70 SH   SOLE   0 0 70
PIMCO ETF TR ACTIVE BD ETF 72201R775 18,971 199,172 SH   SOLE   0 0 199,172
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 14,198 143,258 SH   SOLE   0 0 143,258
PINNACLE FINL PARTNERS INC COM 72346Q104 41 573 SH   SOLE   0 0 573
PIONEER NAT RES CO COM 723787107 16 71 SH   SOLE   0 0 71
PROCTER & GAMBLE CO COM 742718109 6,644 46,207 SH   SOLE   0 0 46,207
RESERVOIR MEDIA INC COM 76119X105 1 100 SH   SOLE   0 0 100
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 7,797 108,844 SH   SOLE   0 0 108,844
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 4,657 80,309 SH   SOLE   0 0 80,309
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 5,362 85,481 SH   SOLE   0 0 85,481
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 2,450 55,438 SH   SOLE   0 0 55,438
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 1,425 31,900 SH   SOLE   0 0 31,900
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 555 14,231 SH   SOLE   0 0 14,231
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 38 802 SH   SOLE   0 0 802
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730 22 831 SH   SOLE   0 0 831
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771 42 834 SH   SOLE   0 0 834
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 8 272 SH   SOLE   0 0 272
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 15 596 SH   SOLE   0 0 596
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763 5 111 SH   SOLE   0 0 111
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755 31 1,079 SH   SOLE   0 0 1,079
SELECT SECTOR SPDR TR FINANCIAL 81369Y605 1 5 SH Call SOLE   0 0 5
SERVICENOW INC COM 81762P102 143 300 SH   SOLE   0 0 300
SHELL PLC SPON ADS 780259305 1 2 SH Call SOLE   0 0 2
SOUTHWEST AIRLS CO COM 844741108 4 108 SH   SOLE   0 0 108
SPDR DOW JONES INDL AVRG ETF UT SER 1 78467X109 262 850 SH   SOLE   0 0 850
SPDR GOLD TRUST GOLD SHS 78463V107 19 111 SH   SOLE   0 0 111
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 72 2,058 SH   SOLE   0 0 2,058
SPDR S&P 500 ETF TR TR UNIT 78462F103 3,535 9,372 SH   SOLE   0 0 9,372
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 324 784 SH   SOLE   0 0 784
SPDR SERIES TRUST MSCI USA STRTGIC 78468R812 1,654 15,311 SH   SOLE   0 0 15,311
SPDR SERIES TRUST S&P 400 MDCP GRW 78464A821 299 4,909 SH   SOLE   0 0 4,909
SPDR SERIES TRUST PRTFLO S&P500 GW 78464A409 316 6,040 SH   SOLE   0 0 6,040
SPDR SERIES TRUST S&P 400 MDCP VAL 78464A839 13 210 SH   SOLE   0 0 210
SPDR SERIES TRUST S&P DIVID ETF 78464A763 114 957 SH   SOLE   0 0 957
SSGA ACTIVE ETF TR SPDR TR TACTIC 78467V848 3,147 74,619 SH   SOLE   0 0 74,619
STARBUCKS CORP COM 855244109 13 171 SH   SOLE   0 0 171
STRYKER CORP COM 863667101 8 40 SH   SOLE   0 0 40
T ROWE PRICE ETF INC ULTRA SHRT TRM 87283Q701 102 2,097 SH   SOLE   0 0 2,097
TAKE-TWO INTERACTIVE SOFTWAR COM 874054109 7 59 SH   SOLE   0 0 59
TENCENT MUSIC ENTMT GROUP SPON ADS 88034P109 0 7 SH Call SOLE   0 0 7
TESLA INC COM 88160R101 1,098 1,630 SH   SOLE   0 0 1,630
UNITED STS 12 MONTH OIL FD L UNIT BEN INT 91288V103 12 300 SH   SOLE   0 0 300
UNITED STS OIL FD LP UNITS 91232N207 4 7 SH Call SOLE   0 0 7
V F CORP COM 918204108 34 774 SH   SOLE   0 0 774
VALE S A SPONSORED ADS 91912E105 2 3 SH Call SOLE   0 0 3
VANECK ETF TRUST MRNGSTR WDE MOAT 92189F643 187 2,928 SH   SOLE   0 0 2,928
VANGUARD BD INDEX FDS VANGUARD ULTRA 92203C303 9,752 198,211 SH   SOLE   0 0 198,211
VANGUARD GROUP DIV APP ETF 921908844 619 4,313 SH   SOLE   0 0 4,313
VANGUARD INDEX FDS MID CAP ETF 922908629 3,454 17,535 SH   SOLE   0 0 17,535
VANGUARD INDEX FDS TOTAL STK MKT 922908769 4,089 21,679 SH   SOLE   0 0 21,679
VANGUARD INDEX FDS GROWTH ETF 922908736 345 1,549 SH   SOLE   0 0 1,549
VANGUARD INDEX FDS SMALL CP ETF 922908751 193 1,095 SH   SOLE   0 0 1,095
VANGUARD INDEX FDS VALUE ETF 922908744 25 192 SH   SOLE   0 0 192
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 33 96 SH   SOLE   0 0 96
VANGUARD INDEX FDS SML CP GRW ETF 922908595 112 569 SH   SOLE   0 0 569
VANGUARD INDEX FDS SM CP VAL ETF 922908611 23 155 SH   SOLE   0 0 155
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 776 9,099 SH   SOLE   0 0 9,099
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 15 307 SH   SOLE   0 0 307
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 122 2,929 SH   SOLE   0 0 2,929
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 74 966 SH   SOLE   0 0 966
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 19 232 SH   SOLE   0 0 232
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771 16 331 SH   SOLE   0 0 331
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 14 333 SH   SOLE   0 0 333
VANGUARD WORLD FD MEGA CAP INDEX 921910873 24 182 SH   SOLE   0 0 182
VEEVA SYS INC CL A COM 922475108 53 269 SH   SOLE   0 0 269
VERIZON COMMUNICATIONS INC COM 92343V104 48 955 SH   SOLE   0 0 955
VIATRIS INC COM 92556V106 0 8 SH   SOLE   0 0 8
VIRGIN GALACTIC HOLDINGS INC COM 92766K106 1 96 SH   SOLE   0 0 96
VISA INC COM CL A 92826C839 67 340 SH   SOLE   0 0 340
WARNER BROS DISCOVERY INC COM SER A 934423104 40 2,945 SH   SOLE   0 0 2,945
WELLS FARGO CO NEW COM 949746101 270 6,904 SH   SOLE   0 0 6,904
WHITE MTNS INS GROUP LTD COM G9618E107 112 90 SH   SOLE   0 0 90
WISDOMTREE TR US SMALLCAP DIVD 97717W604 218 7,743 SH   SOLE   0 0 7,743
WISDOMTREE TR US MIDCAP DIVID 97717W505 848 21,757 SH   SOLE   0 0 21,757
WISDOMTREE TR JAPN HEDGE EQT 97717W851 7 107 SH   SOLE   0 0 107