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
CION INVESTMENT CORP 40 ACT REGISTERED MARYLAND COM 17259U105 245 28,522 SH   SOLE   28,522 0 0
ABBVIE INC COM 00287Y109 418 5,742 SH   SOLE   5,742 0 0
AMAZON COM INC COM 023135106 272 144 SH   SOLE   144 0 0
BERKSHIRE HATHAWAY CLASS B CL B NEW 084670702 335 1,571 SH   SOLE   1,571 0 0
CHARLES SCHWAB US MC ETF US MID-CAP ETF 808524508 7,026 123,078 SH   SOLE   123,078 0 0
VANGUARD FTSE EMERGING MARKETS ETF FTSE EMR MKT ETF 922042858 457 10,750 SH   SOLE   10,750 0 0
VANGUARD SHORT TERM BOND ETF SHORT TRM BOND 921937827 391 4,854 SH   SOLE   4,854 0 0
VANGUARD TOTAL BOND MARKET ETF TOTAL BND MRKT 921937835 385 4,631 SH   SOLE   4,631 0 0
VANGUARD TOTAL INTL BOND ETF INTL BD IDX ETF 92203J407 419 7,317 SH   SOLE   7,317 0 0
VANGUARD FTSE DEVELOPED MARKET ETF FTSE DEV MKT ETF 921943858 870 20,851 SH   SOLE   20,851 0 0
VANGUARD S&P 500 ETF S&P 500 ETF SHS 922908363 1,432 5,319 SH   SOLE   5,319 0 0
INDEXIQ MERGER ARBITRAGE ETF IQ MRGR ARB ETF 45409B800 4,023 127,514 SH   SOLE   127,514 0 0
INVESCO QQQ TRUST UNIT SER 1 46090E103 686 3,673 SH   SOLE   3,673 0 0
ISHARES FLOATING RATE BOND ETF FLTG RATE NT ETF 46429B655 697 13,692 SH   SOLE   13,692 0 0
ISHARES MSCI EAFE ETF MSCI EAFE ETF 464287465 417 6,342 SH   SOLE   6,342 0 0
ISHARES RUSSELL 1000 GROWTH ETF RUS 1000 GRW ETF 464287614 259 1,646 SH   SOLE   1,646 0 0
ISHARES RUSSELL 2000 ETF RUSSELL 2000 ETF 464287655 508 3,267 SH   SOLE   3,267 0 0
ISHARES US AEROSPACE DEFENSE ETF US AER DEF ETF 464288760 333 1,555 SH   SOLE   1,555 0 0
JPMORGAN DIVERSIFIED RTN GBL EQT ETF DIV RTN GLB EQ 46641Q100 9,387 157,669 SH   SOLE   157,669 0 0
SPDR DOW JONES INDUSTRIAL AVRG ETF UT SER 1 78467X109 446 1,679 SH   SOLE   1,679 0 0
SPDR MSCI ACWI IMI ETF MSCI ACWI ETF 78463X475 11,645 145,656 SH   SOLE   145,656 0 0
SPDR S&P 500 ETF TR UNIT 78462F103 1,428 4,875 SH   SOLE   4,875 0 0
MEDTRONIC PLC F SHS G5960L103 689 7,072 SH   SOLE   7,072 0 0
POLYMET MINING CORP F COM 731916102 176 410,610 SH   SOLE   410,610 0 0
SCHWAB SHORT TERM US TREASURY ETF SHT TM US TRES 808524862 14,693 290,440 SH   SOLE   290,440 0 0
SCHWAB US DIVIDEND EQUITY ETF US DIVIDEND EQ 808524797 12,617 237,749 SH   SOLE   237,749 0 0
SCHWAB US LARGE CAP GROWTH ETF US LCAP GR ETF 808524300 8,368 100,559 SH   SOLE   100,559 0 0
SCHWAB US SMALL CAP ETF US SML CAP ETF 808524607 6,694 93,646 SH   SOLE   93,646 0 0
SELECT SECTOR UTI SELECT SPDR ETF SBI INT-UTILS 81369Y886 2,059 34,539 SH   SOLE   34,539 0 0
SPDR BLACKSTONE GSO SENIOR LOAN ETF BLKSTN GSOSRLN 78467V608 10,023 216,853 SH   SOLE   216,853 0 0
SCHWAB US AGGREGATE BOND ETF US AGGREGATE B 808524839 9,991 188,512 SH   SOLE   188,512 0 0
WISDOMTREE INTRST RT HDG AGRGT ETF INTRST RATE HDGE 97717W380 8,783 184,347 SH   SOLE   184,347 0 0
SCHWAB US BROAD MARKET ETF Total US BRD MKT ETF 808524102 10,762 152,584 SH   SOLE   152,584 0 0
VANGUARD TOTAL BOND MARKET ETF TOTAL BND MRKT 921937835 385 4,631 SH   SOLE   4,631 0 0
XTRCKRS MSCI EMRG MRKT HDGD EQY ETF XTRACK MSCI EMRG 233051101 4,209 187,907 SH   SOLE   187,907 0 0
INDEXIQ MERGER ARBITRAGE ETF IQ MRGR ARB ETF 45409B800 4,023 127,514 SH   SOLE   127,514 0 0
SPDR BLOOMBERG BARCLAYS INVESTMENT GRADE FLOATING RATE ETF BLOMBERG BRC INV 78468R200 265 8,639 SH   SOLE   8,639 0 0
ENSIGN GROUP INC COM 29358P101 500 8,784 SH   SOLE   8,784 0 0
BOEING CO COM 097023105 440 1,210 SH   SOLE   1,210 0 0
BIOTELEMETRY INC COM 090672106 201 4,190 SH   SOLE   4,190 0 0
VANGUARD INTERMEDIATE TERM BOND INDEX FUND ETF INTERMED TERM 921937819 203 2,349 SH   SOLE   2,349 0 0
INTERACTIVE CORP COM 44919P508 250 1,150 SH   SOLE   1,150 0 0
ISHARES INTERMEDT TERM CORP BOND ETF INTRM TR CRP ETF 464288638 4,984 87,513 SH   SOLE   87,513 0 0
MICROSOFT CORP COM 594918104 455 3,396 SH   SOLE   3,396 0 0
INVESCO ACTIVELY MANAGD ETF ACTIVE US REAL 46090A101 2,750 30,625 SH   SOLE   30,625 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 7,027 123,078 SH   SOLE   123,078 0 0
SCHWAB STRATEGIC TR INTRM TRM TRES 808524854 77,528 4,261 SH   SOLE   4,261 0 0
VANGUARD SMALL CAP ETF SMALL CP ETF 922908751 593 3,784 SH   SOLE   3,784 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 297 3,300 SH   SOLE   3,300 0 0
VANGUARD WORLD FDS CONSUM STP ETF 92204A207 236 1,585 SH   SOLE   1,585 0 0
VANGUARD SCOTTSDALE FDS MORTG-BACK SEC 92206C771 209 3,951 SH   SOLE   3,951 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 289 3,311 SH   SOLE   3,311 0 0
VANGUARD MUN BD FD INC TAX EXEMPT BD 922907746 497 9,374 SH   SOLE   3,974 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 363 3,274 SH   SOLE   3,274 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 351 2,152 SH   SOLE   2,152 0 0
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 495 4,180 SH   SOLE   4,180 0 0