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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
APPLE INC COM 037833100   2,279,722 17,546 SH   SOLE 0 0 0 17,546
AT&T INC COM 00206R102   224,179 12,177 SH   SOLE 0 0 0 12,177
DAVITA INC COM 23918K108   243,872 3,266 SH   SOLE 0 0 0 3,266
FLEXSHARES TR QUALT DIVD IDX 33939L860   1,140,630 21,685 SH   SOLE 0 0 0 21,685
GOLDMAN SACHS ETF TR ACTIVEBETA INT 381430107   1,995,130 69,323 SH   SOLE 0 0 0 69,323
GOLDMAN SACHS ETF TR ACCES TREASURY 381430529   1,354,731 13,587 SH   SOLE 0 0 0 13,587
INNOVATOR ETFS TR US EQTY BUFR JUL 45782C789   362,808 11,737 SH   SOLE 0 0 0 11,737
INNOVATOR ETFS TR US EQT ULTRA BF 45782C300   216,883 7,300 SH   SOLE 0 0 0 7,300
INNOVATOR ETFS TR US EQTY PWR BUF 45782C573   865,185 28,658 SH   SOLE 0 0 0 28,658
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354   2,636,515 41,260 SH   SOLE 0 0 0 41,260
INVESCO EXCH TRD SLF IDX FD RUSL 1000 DYNM 46138J619   1,231,286 28,675 SH   SOLE 0 0 0 28,675
INVESCO QQQ TR UNIT SER 1 46090E103   210,465 790 SH   SOLE 0 0 0 790
ISHARES INC MSCI EQUAL WEITE 464286681   1,381,203 18,936 SH   SOLE 0 0 0 18,936
ISHARES INC MSCI GBL MIN VOL 464286525   2,781,138 29,269 SH   SOLE 0 0 0 29,269
ISHARES TR MSCI USA MIN VOL 46429B697   6,368,769 88,332 SH   SOLE 0 0 0 88,332
ISHARES TR MSCI USA MMENTM 46432F396   1,068,299 7,321 SH   SOLE 0 0 0 7,321
ISHARES TR MSCI USA VALUE 46432F388   237,969 2,611 SH   SOLE 0 0 0 2,611
ISHARES TR MSCI USA QLT FCT 46432F339   1,115,470 9,788 SH   SOLE 0 0 0 9,788
ISHARES TR CORE DIV GRWTH 46434V621   431,500 8,630 SH   SOLE 0 0 0 8,630
ISHARES TR CORE MSCI PAC 46434V696   764,321 14,241 SH   SOLE 0 0 0 14,241
ISHARES TR GRWT ALLOCAT ETF 464289867   1,798,506 38,136 SH   SOLE 0 0 0 38,136
ISHARES TR SHORT TREAS BD 464288679   806,537 7,337 SH   SOLE 0 0 0 7,337
ISHARES TR MSCI ACWI ETF 464288257   1,670,247 19,678 SH   SOLE 0 0 0 19,678
ISHARES TR CORE S&P MCP ETF 464287507   987,973 4,084 SH   SOLE 0 0 0 4,084
ISHARES TR CORE S&P SCP ETF 464287804   11,069,459 116,964 SH   SOLE 0 0 0 116,964
ISHARES TR RUS 1000 ETF 464287622   1,764,013 8,379 SH   SOLE 0 0 0 8,379
ISHARES TR CORE US AGGBD ET 464287226   1,795,837 18,516 SH   SOLE 0 0 0 18,516
ISHARES TR MSCI EAFE ETF 464287465   449,951 6,855 SH   SOLE 0 0 0 6,855
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   23,483,523 468,452 SH   SOLE 0 0 0 468,452
J P MORGAN EXCHANGE TRADED F ULTRA SHT MUNCPL 46641Q654   4,556,709 90,169 SH   SOLE 0 0 0 90,169
J P MORGAN EXCHANGE TRADED F INCOME ETF 46641Q159   575,330 12,751 SH   SOLE 0 0 0 12,751
J P MORGAN EXCHANGE TRADED F ACTIVE GROWTH 46654Q609   826,683 18,608 SH   SOLE 0 0 0 18,608
JOHNSON & JOHNSON COM 478160104   359,483 2,035 SH   SOLE 0 0 0 2,035
PIMCO ETF TR ENHAN SHRT MA AC 72201R833   4,346,317 44,058 SH   SOLE 0 0 0 44,058
PIMCO ETF TR ACTIVE BD ETF 72201R775   15,368,642 169,857 SH   SOLE 0 0 0 169,857
PROCTER AND GAMBLE CO COM 742718109   7,003,133 46,207 SH   SOLE 0 0 0 46,207
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   2,149,161 47,962 SH   SOLE 0 0 0 47,962
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   1,665,964 36,898 SH   SOLE 0 0 0 36,898
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   493,853 12,191 SH   SOLE 0 0 0 12,191
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   4,056,320 73,008 SH   SOLE 0 0 0 73,008
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   8,170,492 108,161 SH   SOLE 0 0 0 108,161
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   5,782,825 88,139 SH   SOLE 0 0 0 88,139
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109   275,736 832 SH   SOLE 0 0 0 832
SPDR S&P 500 ETF TR TR UNIT 78462F103   3,574,443 9,347 SH   SOLE 0 0 0 9,347
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   322,882 729 SH   SOLE 0 0 0 729
SPDR SER TR PRTFLO S&P500 GW 78464A409   794,273 15,675 SH   SOLE 0 0 0 15,675
SPDR SER TR S&P DIVID ETF 78464A763   784,990 6,274 SH   SOLE 0 0 0 6,274
SPDR SER TR S&P 400 MDCP GRW 78464A821   401,476 6,144 SH   SOLE 0 0 0 6,144
SPDR SER TR MSCI USA STRTGIC 78468R812   1,333,016 12,084 SH   SOLE 0 0 0 12,084
SSGA ACTIVE ETF TR SPDR TR TACTIC 78467V848   3,334,489 83,279 SH   SOLE 0 0 0 83,279
TESLA INC COM 88160R101   372,973 3,028 SH   SOLE 0 0 0 3,028
VANECK ETF TRUST MRNGSTR WDE MOAT 92189F643   297,026 4,576 SH   SOLE 0 0 0 4,576
VANGUARD BD INDEX FDS VANGUARD ULTRA 92203C303   4,466,473 91,153 SH   SOLE 0 0 0 91,153
VANGUARD INDEX FDS MID CAP ETF 922908629   3,457,052 16,962 SH   SOLE 0 0 0 16,962
VANGUARD INDEX FDS SMALL CP ETF 922908751   351,960 1,918 SH   SOLE 0 0 0 1,918
VANGUARD INDEX FDS GROWTH ETF 922908736   211,627 993 SH   SOLE 0 0 0 993
VANGUARD INDEX FDS TOTAL STK MKT 922908769   3,821,842 19,990 SH   SOLE 0 0 0 19,990
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   895,318 10,388 SH   SOLE 0 0 0 10,388
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   756,015 4,979 SH   SOLE 0 0 0 4,979
WELLS FARGO CO NEW COM 949746101   285,066 6,904 SH   SOLE 0 0 0 6,904
WISDOMTREE TR US MIDCAP DIVID 97717W505   895,596 21,769 SH   SOLE 0 0 0 21,769
WISDOMTREE TR US SMALLCAP DIVD 97717W604   220,432 7,751 SH   SOLE 0 0 0 7,751