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
PFIZER INC COM 717081103 365 11,174 SH   SOLE 0 0 0 11,174
ISHARES TR HDG MSCI EAFE 46434V803 1,262 45,743 SH   SOLE 0 0 0 45,743
GENERAL ELECTRIC CO COM 369604103 103 15,065 SH   SOLE 0 0 0 15,065
DISNEY WALT CO COM DISNEY 254687106 1,201 10,770 SH   SOLE 0 0 0 10,770
SPDR S&P 500 ETF TR TR UNIT 78462F103 924 2,995 SH   SOLE 0 0 0 2,995
ABBOTT LABS COM 002824100 215 2,353 SH   SOLE 0 0 0 2,353
SPDR INDEX SHS FDS GLB NAT RESRCE 78463X541 235 6,366 SH   SOLE 0 0 0 6,366
COSTCO WHSL CORP NEW COM 22160K105 760 2,505 SH   SOLE 0 0 0 2,505
PEPSICO INC COM 713448108 338 2,553 SH   SOLE 0 0 0 2,553
ISHARES TR TIPS BD ETF 464287176 329 2,673 SH   SOLE 0 0 0 2,673
APPLE HOSPITALITY REIT INC COM NEW 03784Y200 116 11,960 SH   SOLE 0 0 0 11,960
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308 276 4,701 SH   SOLE 0 0 0 4,701
NUVEEN AMT FREE QLTY MUN INC COM 670657105 149 10,740 SH   SOLE 0 0 0 10,740
CVS HEALTH CORP COM 126650100 946 14,558 SH   SOLE 0 0 0 14,558
UNION PAC CORP COM 907818108 274 1,623 SH   SOLE 0 0 0 1,623
TRAVELERS COMPANIES INC COM 89417E109 670 5,872 SH   SOLE 0 0 0 5,872
REGENERON PHARMACEUTICALS COM 75886F107 229 367 SH   SOLE 0 0 0 367
APPLE INC COM 037833100 2,984 8,180 SH   SOLE 0 0 0 8,180
LENNAR CORP CL A 526057104 208 3,380 SH   SOLE 0 0 0 3,380
AMAZON COM INC COM 023135106 3,265 1,184 SH   SOLE 0 0 0 1,184
AT&T INC COM 00206R102 1,426 47,162 SH   SOLE 0 0 0 47,162
MERCK & CO. INC COM 58933Y105 359 4,646 SH   SOLE 0 0 0 4,646
PHILIP MORRIS INTL INC COM 718172109 492 7,018 SH   SOLE 0 0 0 7,018
PROCTER AND GAMBLE CO COM 742718109 1,043 8,723 SH   SOLE 0 0 0 8,723
DELTA AIR LINES INC DEL COM NEW 247361702 206 7,338 SH   SOLE 0 0 0 7,338
BOEING CO COM 097023105 242 1,318 SH   SOLE 0 0 0 1,318
ISHARES TR USA MOMENTUM FCT 46432F396 3,171 24,204 SH   SOLE 0 0 0 24,204
VANGUARD INDEX FDS GROWTH ETF 922908736 240 1,190 SH   SOLE 0 0 0 1,190
ORACLE CORP COM 68389X105 229 4,142 SH   SOLE 0 0 0 4,142
KRANESHARES TR BOSERA MSCI CH 500767405 396 11,676 SH   SOLE 0 0 0 11,676
ISHARES TR MSCI MIN VOL ETF 46429B697 1,748 28,837 SH   SOLE 0 0 0 28,837
ANHEUSER BUSCH INBEV SA/NV SPONSORED ADR 03524A108 368 7,464 SH   SOLE 0 0 0 7,464
PUBLIC SVC ENTERPRISE GRP IN COM 744573106 366 7,453 SH   SOLE 0 0 0 7,453
DUKE ENERGY CORP NEW COM NEW 26441C204 463 5,792 SH   SOLE 0 0 0 5,792
NIKE INC CL B 654106103 938 9,564 SH   SOLE 0 0 0 9,564
AMERICAN EQTY INVT LIFE HLD COM 025676206 480 19,430 SH   SOLE 0 0 0 19,430
ISHARES TR JPMORGAN USD EMG 464288281 1,732 15,857 SH   SOLE 0 0 0 15,857
VERU INC COM 92536C103 67 20,000 SH   SOLE 0 0 0 20,000
NEW YORK CMNTY BANCORP INC COM 649445103 107 10,463 SH   SOLE 0 0 0 10,463
INTEL CORP COM 458140100 761 12,723 SH   SOLE 0 0 0 12,723
WALMART INC COM 931142103 1,223 10,210 SH   SOLE 0 0 0 10,210
ISHARES TR SP SMCP600VL ETF 464287879 915 7,606 SH   SOLE 0 0 0 7,606
ISHARES TR CORE S&P SCP ETF 464287804 1,257 18,409 SH   SOLE 0 0 0 18,409
ISHARES TR US TREAS BD ETF 46429B267 591 21,112 SH   SOLE 0 0 0 21,112
JPMORGAN CHASE & CO COM 46625H100 427 4,542 SH   SOLE 0 0 0 4,542
INVESCO CALIF MUN INCOME TR COM 46132P108 686 47,444 SH   SOLE 0 0 0 47,444
CISCO SYS INC COM 17275R102 245 5,246 SH   SOLE 0 0 0 5,246
EXXON MOBIL CORP COM 30231G102 523 11,699 SH   SOLE 0 0 0 11,699
ABBVIE INC COM 00287Y109 264 2,686 SH   SOLE 0 0 0 2,686
CHEVRON CORP NEW COM 166764100 446 4,994 SH   SOLE 0 0 0 4,994
BROADCOM INC COM 11135F101 331 1,049 SH   SOLE 0 0 0 1,049
DIAGEO P L C SPON ADR NEW 25243Q205 528 3,926 SH   SOLE 0 0 0 3,926
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 321 1,797 SH   SOLE 0 0 0 1,797
ISHARES TR BARCLAYS 7 10 YR 464287440 5,203 42,695 SH   SOLE 0 0 0 42,695
VANGUARD STAR FDS VG TL INTL STK F 921909768 289 5,881 SH   SOLE 0 0 0 5,881
ISHARES INC CORE MSCI EMKT 46434G103 1,787 37,552 SH   SOLE 0 0 0 37,552
HERSHEY CO COM 427866108 474 3,660 SH   SOLE 0 0 0 3,660
ISHARES TR FLTG RATE NT ETF 46429B655 2,429 48,022 SH   SOLE 0 0 0 48,022
KRANESHARES TR CSI CHI INTERNET 500767306 471 7,611 SH   SOLE 0 0 0 7,611
VANGUARD INDEX FDS VALUE ETF 922908744 370 3,716 SH   SOLE 0 0 0 3,716
GILEAD SCIENCES INC COM 375558103 447 5,814 SH   SOLE 0 0 0 5,814
LABORATORY CORP AMER HLDGS COM NEW 50540R409 454 2,733 SH   SOLE 0 0 0 2,733
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 330 4,197 SH   SOLE 0 0 0 4,197
VISA INC COM CL A 92826C839 220 1,139 SH   SOLE 0 0 0 1,139
ISHARES TR IBOXX INV CP ETF 464287242 5,136 38,188 SH   SOLE 0 0 0 38,188
PPL CORP COM 69351T106 590 22,851 SH   SOLE 0 0 0 22,851
KIMBERLY CLARK CORP COM 494368103 577 4,084 SH   SOLE 0 0 0 4,084
MONDELEZ INTL INC CL A 609207105 204 3,982 SH   SOLE 0 0 0 3,982
LILLY ELI & CO COM 532457108 218 1,330 SH   SOLE 0 0 0 1,330
ISHARES TR CORE S&P TTL STK 464287150 218 3,137 SH   SOLE 0 0 0 3,137
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 373 3,567 SH   SOLE 0 0 0 3,567
FACEBOOK INC CL A 30303M102 1,143 5,032 SH   SOLE 0 0 0 5,032
ALTRIA GROUP INC COM 02209S103 923 23,525 SH   SOLE 0 0 0 23,525
ZOOM VIDEO COMMUNICATIONS IN CL A 98980L101 782 3,086 SH   SOLE 0 0 0 3,086
BERKSHIRE HATHAWAY INC DEL CL A 084670108 267 1 SH   SOLE 0 0 0 1
ISHARES GOLD TRUST ISHARES 464285105 4,443 261,484 SH   SOLE 0 0 0 261,484
CITIGROUP INC COM NEW 172967424 612 11,979 SH   SOLE 0 0 0 11,979
HOME DEPOT INC COM 437076102 327 1,307 SH   SOLE 0 0 0 1,307
COCA COLA CO COM 191216100 539 12,060 SH   SOLE 0 0 0 12,060
INVESCO QQQ TR UNIT SER 1 46090E103 271 1,095 SH   SOLE 0 0 0 1,095
ISHARES TR INTRM TR CRP ETF 464288638 781 12,928 SH   SOLE 0 0 0 12,928
INTERNATIONAL BUSINESS MACHS COM 459200101 595 4,930 SH   SOLE 0 0 0 4,930
CARDINAL HEALTH INC COM 14149Y108 241 4,619 SH   SOLE 0 0 0 4,619
3M CO COM 88579Y101 667 4,276 SH   SOLE 0 0 0 4,276
SIRIUS XM HOLDINGS INC COM 82968B103 314 53,544 SH   SOLE 0 0 0 53,544
VERIZON COMMUNICATIONS INC COM 92343V104 1,431 25,949 SH   SOLE 0 0 0 25,949
ISHARES TR S&P 500 GRWT ETF 464287309 2,281 10,995 SH   SOLE 0 0 0 10,995
ISHARES TR MSCI EMG MKT ETF 464287234 283 7,065 SH   SOLE 0 0 0 7,065
STARBUCKS CORP COM 855244109 460 6,251 SH   SOLE 0 0 0 6,251
DOMINION ENERGY INC COM 25746U109 1,198 14,753 SH   SOLE 0 0 0 14,753
MICROSOFT CORP COM 594918104 2,183 10,724 SH   SOLE 0 0 0 10,724
ISHARES TR CORE MSCI EAFE 46432F842 1,778 31,101 SH   SOLE 0 0 0 31,101
ISHARES TR S&P 500 VAL ETF 464287408 2,135 19,731 SH   SOLE 0 0 0 19,731
SPDR GOLD TR GOLD SHS 78463V107 843 5,037 SH   SOLE 0 0 0 5,037
ISHARES TR CORE S&P MCP ETF 464287507 2,518 14,163 SH   SOLE 0 0 0 14,163
MCDONALDS CORP COM 580135101 904 4,901 SH   SOLE 0 0 0 4,901
ISHARES U S ETF TR SHT MAT BD ETF 46431W507 828 16,552 SH   SOLE 0 0 0 16,552
ISHARES TR MBS ETF 464288588 2,437 22,017 SH   SOLE 0 0 0 22,017
ENBRIDGE INC COM 29250N105 463 15,227 SH   SOLE 0 0 0 15,227
ALPHABET INC CAP STK CL A 02079K305 981 692 SH   SOLE 0 0 0 692
CATERPILLAR INC DEL COM 149123101 233 1,845 SH   SOLE 0 0 0 1,845
ISHARES TR 20 YR TR BD ETF 464287432 259 1,580 SH   SOLE 0 0 0 1,580
CLOROX CO DEL COM 189054109 928 4,231 SH   SOLE 0 0 0 4,231
HONEYWELL INTL INC COM 438516106 631 4,367 SH   SOLE 0 0 0 4,367
BERKLEY W R CORP COM 084423102 564 9,852 SH   SOLE 0 0 0 9,852
ISHARES TR USA QUALITY FCTR 46432F339 3,989 41,592 SH   SOLE 0 0 0 41,592
ISHARES TR CORE S&P500 ETF 464287200 7,877 25,434 SH   SOLE 0 0 0 25,434
UNITED PARCEL SERVICE INC CL B 911312106 1,003 9,022 SH   SOLE 0 0 0 9,022
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 1,832 31,729 SH   SOLE 0 0 0 31,729
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 300 5,698 SH   SOLE 0 0 0 5,698
JOHNSON & JOHNSON COM 478160104 994 7,066 SH   SOLE 0 0 0 7,066
VANGUARD INDEX FDS SM CP VAL ETF 922908611 263 2,459 SH   SOLE 0 0 0 2,459
DOLLAR GEN CORP NEW COM 256677105 273 1,435 SH   SOLE 0 0 0 1,435