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
ISHARES 0-5 YEAR HIGH YLD 0-5YR HI YL CP 46434V407 2,561 55,611 SH   SOLE   55,611 0 0
ISHARES 1-3 YR TREAS BND 1 3 YR TREAS BD 464287457 2,538 29,465 SH   SOLE   29,465 0 0
ISHARES GLOBAL REIT ETF 46434V 46434V647 17,952 647,627 SH   SOLE   647,627 0 0
VANGUARD S&P500 VALUE ETF 500 VAL IDX FD 921932703 1,824 12,790 SH   SOLE   12,790 0 0
GOLDMAN ACC TREAS 0-1 ETF ACCES TREASURY 381430529 3,094 30,911 SH   SOLE   30,911 0 0
PIMCO ACTIVE BOND ETF ACTIVE BD ETF 72201R775 316 2,850 SH   SOLE   2,850 0 0
ALPS ALERIAN MLP ETF-NEW ALERIAN MLP 00162Q452 249 6,867 SH   SOLE   6,867 0 0
VANGRD FTSE ALL-WLD EX-US ALLWRLD EX US 922042775 4,069 64,200 SH   SOLE   64,200 0 0
ISHARES CALI MUNI BND ETF CALIF MUN BD ETF 464288356 1,618 25,841 SH   SOLE   25,841 0 0
ALPHABET INC CL-A CAP STK CL A 02079K305 1,521 623 SH   SOLE   623 0 0
ALPHABET INC CL-C CAP STK CL C 02079K107 10,406 4,152 SH   SOLE   4,152 0 0
MASTERCARD INC CL-A CL A 57636Q104 505 1,385 SH   SOLE   1,385 0 0
FACEBOOK INC CL-A CL A 30303M102 9,870 28,386 SH   SOLE   28,386 0 0
MONDELEZ INTL INC CL-A CL A 609207105 392 6,289 SH   SOLE   6,289 0 0
ZOETIS INC-A CL A 98978V103 259 1,394 SH   SOLE   1,394 0 0
COMCAST CORP CL-A CL A 20030N101 253 4,441 SH   SOLE   4,441 0 0
NIKE INC CL-B CL B 654106103 685 4,434 SH   SOLE   4,434 0 0
BERKSHIRE HATHAWAY-B-NEW CL B NEW 084670702 759 2,733 SH   SOLE   2,733 0 0
ISHARES C&S REIT ETF COHEN STEER REIT 464287564 4,032 61,704 SH   SOLE   61,704 0 0
CIGNA CORP-NEW COM 125523100 6,759 28,513 SH   SOLE   28,513 0 0
DUPONT DE NEMOURS INC COM 26614N102 5,489 70,911 SH   SOLE   70,911 0 0
PROCTER & GAMBLE CO. COM 742718109 5,582 41,370 SH   SOLE   41,370 0 0
FERRARI N.V. COM N3167Y103 516 2,505 SH   SOLE   2,505 0 0
TEXAS INSTRUMENTS INC COM 882508104 610 3,177 SH   SOLE   3,177 0 0
REGENERON PHARM INC COM 75886F107 6,268 11,223 SH   SOLE   11,223 0 0
ASENSUS SURGICAL INC COM 04367G103 41 13,000 SH   SOLE   13,000 0 0
DEERE & CO COM 244199105 298 847 SH   SOLE   847 0 0
NORTHROP GRUMMAN CORP COM 666807102 233 643 SH   SOLE   643 0 0
BOEING COMPANY COM 097023105 5,932 24,766 SH   SOLE   24,766 0 0
PFIZER INC COM 717081103 5,684 145,152 SH   SOLE   145,152 0 0
AMGEN INC COM 031162100 7,695 31,572 SH   SOLE   31,572 0 0
LULULEMON ATHLETICA INC COM 550021109 242 665 SH   SOLE   665 0 0
COSTCO WHOLESALE CORP COM 22160K105 449 1,137 SH   SOLE   1,137 0 0
MICROSOFT CORP COM 594918104 11,436 42,216 SH   SOLE   42,216 0 0
NETFLIX INC COM 64110L106 1,302 2,465 SH   SOLE   2,465 0 0
CISCO SYSTEMS INC COM 17275R102 5,848 110,350 SH   SOLE   110,350 0 0
ABBOTT LABORATORIES COM 002824100 226 1,952 SH   SOLE   1,952 0 0
PAYPAL HOLDINGS INC COM 70450Y103 923 3,167 SH   SOLE   3,167 0 0
SHERWIN-WILLIAMS CO COM 824348106 237 870 SH   SOLE   870 0 0
METLIFE INC COM 59156R108 5,053 84,431 SH   SOLE   84,431 0 0
RPM INTL INC (DEL) COM 749685103 5,090 57,407 SH   SOLE   57,407 0 0
JOHNSON & JOHNSON COM 478160104 6,151 37,341 SH   SOLE   37,341 0 0
DISNEY WALT COMPANY COM 254687106 576 3,280 SH   SOLE   3,280 0 0
WASTE MANAGEMENT INC COM 94106L109 235 1,682 SH   SOLE   1,682 0 0
VERIZON COMMUNICATIONS COM 92343V104 651 11,619 SH   SOLE   11,619 0 0
MERCK & CO INC-NEW COM 58933Y105 5,485 70,535 SH   SOLE   70,535 0 0
APPLE INC COM 037833100 20,877 152,433 SH   SOLE   152,433 0 0
AMAZON COM INC COM 023135106 4,664 1,356 SH   SOLE   1,356 0 0
SALESFORCE.COM INC COM 79466L302 706 2,893 SH   SOLE   2,893 0 0
MCDONALDS CORP COM 580135101 387 1,678 SH   SOLE   1,678 0 0
HALOZYME THERAPEUTICS INC COM 40637H109 1,100 24,229 SH   SOLE   24,229 0 0
DOMINION ENERGY INC COM 25746U109 5,184 70,472 SH   SOLE   70,472 0 0
CATERPILLAR INC COM 149123101 282 1,299 SH   SOLE   1,299 0 0
EXXON MOBIL CORP COM 30231G102 4,564 72,360 SH   SOLE   72,360 0 0
3M COMPANY COM 88579Y101 372 1,876 SH   SOLE   1,876 0 0
KRAFT HEINZ COMPANY (THE) COM 500754106 227 5,589 SH   SOLE   5,589 0 0
CSX CORP COM 126408103 221 6,900 SH   SOLE   6,900 0 0
LOWES COMPANIES INC COM 548661107 376 1,940 SH   SOLE   1,940 0 0
AMERICAN EXPRESS CO COM 025816109 6,254 37,851 SH   SOLE   37,851 0 0
KIMBERLY CLARK CORP COM 494368103 4,539 33,934 SH   SOLE   33,934 0 0
STARBUCKS CORP COM 855244109 4,314 38,586 SH   SOLE   38,586 0 0
RAYTHEON TECHNOLOGIES CRP COM 75513E101 235 2,764 SH   SOLE   2,764 0 0
WELLS FARGO CO COM 949746101 1,837 40,579 SH   SOLE   40,579 0 0
INTL BUSINESS MACHINES COM 459200101 514 3,511 SH   SOLE   3,511 0 0
ADOBE INC COM 00724F101 487 832 SH   SOLE   832 0 0
HOME DEPOT INC COM 437076102 6,081 19,070 SH   SOLE   19,070 0 0
INTEL CORPORATION COM 458140100 4,680 83,372 SH   SOLE   83,372 0 0
ONEOK INC COM 682680103 322 5,790 SH   SOLE   5,790 0 0
GOLDMAN SACHS GROUP INC COM 38141G104 306 808 SH   SOLE   808 0 0
BANK OF AMERICA COM 060505104 7,834 190,016 SH   SOLE   190,016 0 0
DOCUSIGN INC COM 256163106 408 1,460 SH   SOLE   1,460 0 0
TESLA INC COM 88160R101 811 1,194 SH   SOLE   1,194 0 0
INTUIT INC COM 461202103 345 704 SH   SOLE   704 0 0
PHILIP MORRIS INTL INC COM 718172109 1,735 17,513 SH   SOLE   17,513 0 0
GENERAL DYNAMICS CORP COM 369550108 5,270 27,998 SH   SOLE   27,998 0 0
ALTRIA GROUP INC COM 02209S103 1,101 23,101 SH   SOLE   23,101 0 0
AFLAC INC COM 001055102 5,641 105,134 SH   SOLE   105,134 0 0
TJX COMPANIES INC COM 872540109 229 3,401 SH   SOLE   3,401 0 0
SEMPRA COM 816851109 273 2,067 SH   SOLE   2,067 0 0
TARGET CORP COM 87612E106 7,300 30,200 SH   SOLE   30,200 0 0
NVIDIA CORP COM 67066G104 9,626 12,032 SH   SOLE   12,032 0 0
ORACLE CORP COM 68389X105 609 7,833 SH   SOLE   7,833 0 0
CHEVRON CORP COM 166764100 5,632 53,780 SH   SOLE   53,780 0 0
AT & T INC COM 00206R102 4,502 156,455 SH   SOLE   156,455 0 0
JP MORGAN CHASE & CO COM 46625H100 7,334 47,155 SH   SOLE   47,155 0 0
PARKER-HANNIFIN CORP COM 701094104 220 719 SH   SOLE   719 0 0
PEPSICO INC COM 713448108 683 4,613 SH   SOLE   4,613 0 0
BRISTOL MYERS SQUIBB CO COM 110122108 932 13,948 SH   SOLE   13,948 0 0
ABBVIE INC COM 00287Y109 421 3,746 SH   SOLE   3,746 0 0
D.R HORTON INC COM 23331A109 5,267 58,285 SH   SOLE   58,285 0 0
BLACKLINE INC COM 09239B109 308 2,776 SH   SOLE   2,776 0 0
WALMART INC COM 931142103 5,385 38,193 SH   SOLE   38,193 0 0
UNITED HEALTH GROUP INC COM 91324P102 735 1,836 SH   SOLE   1,836 0 0
VISA INC CLASS-A COM CL A 92826C839 5,223 22,341 SH   SOLE   22,341 0 0
PAGSEGURO DIGITAL LTD-A COM CL A G68707101 5,676 101,508 SH   SOLE   101,508 0 0
CITIGROUP INC-NEW COM NEW 172967424 5,450 77,037 SH   SOLE   77,037 0 0
FIRST TR DJ SEL MICROCAP COM SHS ANNUAL 33718M105 228 3,700 SH   SOLE   3,700 0 0
ISHARES CORE MSCI EAFE CORE MSCI EAFE 46432F842 15,107 201,805 SH   SOLE   201,805 0 0
ISHARES CORE MSCI EMG MKT CORE MSCI EMKT 46434G103 13,435 200,559 SH   SOLE   200,559 0 0
ISHARES CORE S&P MID-CAP CORE S&P MCP ETF 464287507 515 1,919 SH   SOLE   1,919 0 0
ISHARES CORE S&P SML-CAP CORE S&P SCP ETF 464287804 11,785 104,317 SH   SOLE   104,317 0 0
ISHARES CORE S&P 500 ETF CORE S&P500 ETF 464287200 20,458 47,587 SH   SOLE   47,587 0 0
ISHARES CORE US AGG BD ET CORE US AGGBD ET 464287226 4,579 39,706 SH   SOLE   39,706 0 0
SPDR DJ INTL R/ESTATE ETF DJ INTL RL ETF 78463X863 1,539 41,925 SH   SOLE   41,925 0 0
SPDR DJ REIT ETF DJ REIT ETF 78464A607 1,884 17,968 SH   SOLE   17,968 0 0
ISHARES MSCI EAFE GTH ETF EAFE GRWTH ETF 464288885 4,398 40,997 SH   SOLE   40,997 0 0
ISHARES MSCI EAFE S/C ETF EAFE SML CP ETF 464288273 26,230 353,701 SH   SOLE   353,701 0 0
ISHARES MSCI EAFE VAL IND EAFE VALUE ETF 464288877 574 11,103 SH   SOLE   11,103 0 0
WISDOMTREE E/M QLTY DV GW EM MKTS QTLY DIV 97717W323 15,925 530,658 SH   SOLE   530,658 0 0
SCHWAB EMRG MKT EQT ETF EMRG MKTEQ ETF 808524706 479 14,583 SH   SOLE   14,583 0 0
ISHRS ESG AWR MSCI EAFE ESG AW MSCI EAFE 46435G516 483 6,124 SH   SOLE   6,124 0 0
ISHS ESG MSCI USA S/C ETF ESG AWARE MSCI 46435U663 261 6,485 SH   SOLE   6,485 0 0
ISHRS ESG AWARE 1-5Y USD ESG AWRE 1 5 YR 46435G243 290 11,150 SH   SOLE   11,150 0 0
ISHS ESG MSCI USA LDR ETF ESG MSCI LEADR 46435U218 308 4,105 SH   SOLE   4,105 0 0
FIRST TR TACTICAL H/Y ETF FIRST TR TA HIYL 33738D408 35,667 735,253 SH   SOLE   735,253 0 0
ISHARES FLOT RATE BND ETF FLTG RATE NT ETF 46429B655 370 7,300 SH   SOLE   7,300 0 0
VANGUARD FTSE DEV MKT ETF FTSE DEV MKT ETF 921943858 902 17,526 SH   SOLE   17,526 0 0
VANGUARD FTSE EMERG MKT FTSE EMR MKT ETF 922042858 3,111 57,295 SH   SOLE   57,295 0 0
VANGUARD GL EX-US R/E ETF GLB EX US ETF 922042676 749 12,836 SH   SOLE   12,836 0 0
WISDOMTREE GL EX-US R/EST GLB EX US RL EST 97717W331 584 22,045 SH   SOLE   22,045 0 0
VANECK VEC GLD MINERS ETF GOLD MINERS ETF 92189F106 2,067 60,857 SH   SOLE   60,857 0 0
VANGUARD GROWTH ETF GROWTH ETF 922908736 6,049 21,092 SH   SOLE   21,092 0 0
SCHWAB INTL EQUITY ETF INTL EQTY ETF 808524805 1,462 37,074 SH   SOLE   37,074 0 0
WISDOMTREE ITL MIDCP DIV INTL MIDCAP DV 97717W778 920 13,577 SH   SOLE   13,577 0 0
WISDOM INTL QLTY DIV GWTH INTL QULTY DIV 97717X131 56,030 1,407,797 SH   SOLE   1,407,797 0 0
SCHWAB INTL S/CP EQT ETF INTL SCEQT ETF 808524888 5,193 124,832 SH   SOLE   124,832 0 0
WISDOMTREE ITL SMCP DV/FD INTL SMCAP DIV 97717W760 1,196 16,023 SH   SOLE   16,023 0 0
ISHARES GOLD TR ETF-NEW ISHARES NEW 464285204 2,173 64,507 SH   SOLE   64,507 0 0
ISHARES 1-5Y I/G CORP BND ISHS 1-5YR INVS 464288646 72,371 1,320,406 SH   SOLE   1,320,406 0 0
ISHARES 5-10Y I/G CORP BD ISHS 5-10YR INVT 464288638 21,709 358,710 SH   SOLE   358,710 0 0
VANGUARD LARGE-CAP ETF LARGE CAP ETF 922908637 3,037 15,129 SH   SOLE   15,129 0 0
VANGUARD MID-CAP GWTH IND MCAP GR IDXVIP 922908538 571 2,419 SH   SOLE   2,419 0 0
VANGUARD MID-CAP VAL IND MCAP VL IDXVIP 922908512 325 2,317 SH   SOLE   2,317 0 0
ISHARES RUSS MICROCAP IND MICRO-CAP ETF 464288869 26,828 175,808 SH   SOLE   175,808 0 0
VANGUARD MID-CAP ETF MID CAP ETF 922908629 6,375 26,862 SH   SOLE   26,862 0 0
ISHARES MSCI EAFE ETF MSCI EAFE ETF 464287465 4,328 54,869 SH   SOLE   54,869 0 0
ISHARES MSCI SWITZRLD ETF MSCI SWITZERLAND 464286749 456 9,387 SH   SOLE   9,387 0 0
ISHS TR MSCI USA ESG ETF MSCI USA ESG SLC 464288802 439 4,603 SH   SOLE   4,603 0 0
ISHARES NATL MUNI BND ETF NATIONAL MUN ETF 464288414 21,550 183,877 SH   SOLE   183,877 0 0
SPDR NUV BLM BARC S/T MUN NUVEEN BLMBRG SR 78468R739 899 18,157 SH   SOLE   18,157 0 0
SPDR NUV BLM BARC MUNI BD NUVEEN BRC MUNIC 78468R721 2,550 48,940 SH   SOLE   48,940 0 0
NUVEEN ESG LG-CAP GRW ETF NUVEEN ESG LRGCP 67092P201 766 11,884 SH   SOLE   11,884 0 0
NUSHARE ESG LG CP VAL ETF NUVEEN ESG LRGVL 67092P300 575 15,245 SH   SOLE   15,245 0 0
KONINKLIJKE PHILIPS N.V. NY REG SH NEW 500472303 3,939 79,267 SH   SOLE   79,267 0 0
SPDR PTFL DEV WRLD EX-US PORTFOLIO DEVLPD 78463X889 1,602 43,564 SH   SOLE   43,564 0 0
SPDR INDX PTFL EM MKT ETF PORTFOLIO EMG MK 78463X509 1,444 31,747 SH   SOLE   31,747 0 0
SPDR PTFL S&P 400 M/C ETF PORTFOLIO S&P400 78464A847 200 4,243 SH   SOLE   4,243 0 0
SPDR PTFL S/T CRP BND ETF PORTFOLIO SHORT 78464A474 815 26,058 SH   SOLE   26,058 0 0
SPDR PTFL S&P 500 GW ETF PRTFLO S&P500 GW 78464A409 4,292 68,160 SH   SOLE   68,160 0 0
SPDR PTFL S&P 500 VAL ETF PRTFLO S&P500 VL 78464A508 4,602 116,413 SH   SOLE   116,413 0 0
FLEXSHRS DIV INDEX ETF QUALT DIVD IDX 33939L860 1,191 21,225 SH   SOLE   21,225 0 0
VANGUARD REAL ESTATE ETF REAL ESTATE ETF 922908553 1,300 12,773 SH   SOLE   12,773 0 0
ISHARES RUSSELL 1000 INDX RUS 1000 ETF 464287622 614 2,539 SH   SOLE   2,539 0 0
ISHARES RUSS 1000 GWT IND RUS 1000 GRW ETF 464287614 5,683 20,919 SH   SOLE   20,919 0 0
ISHARES RUSS 1000 VAL IND RUS 1000 VAL ETF 464287598 3,282 20,694 SH   SOLE   20,694 0 0
ISHARES RUSS 2000 GW INDX RUS 2000 GRW ETF 464287648 7,009 22,490 SH   SOLE   22,490 0 0
ISHARES RUSS 2000 VAL IND RUS 2000 VAL ETF 464287630 5,332 32,166 SH   SOLE   32,166 0 0
ISHARES-RUSSEL MID GWTH RUS MD CP GR ETF 464287481 22,690 200,445 SH   SOLE   200,445 0 0
ISHARES RUSS M/CAP VL IND RUS MDCP VAL ETF 464287473 33,674 292,870 SH   SOLE   292,870 0 0
ISHARES RUSSELL M/CAP IND RUS MID CAP ETF 464287499 6,285 79,325 SH   SOLE   79,325 0 0
ISHARES RUSSELL 2000 INDX RUSSELL 2000 ETF 464287655 2,757 12,023 SH   SOLE   12,023 0 0
ISHARES RUSS 3000 IND ETF RUSSELL 3000 ETF 464287689 242 945 SH   SOLE   945 0 0
VANGUARD 500 INDX ETF-NEW S&P 500 ETF SHS 922908363 2,965 7,535 SH   SOLE   7,535 0 0
SPDR S&P 600 S/C GWTH ETF S&P 600 SMCP GRW 78464A201 1,373 15,468 SH   SOLE   15,468 0 0
SPDR S&P 600 S/C VAL ETF S&P 600 SMCP VAL 78464A300 635 7,417 SH   SOLE   7,417 0 0
SPDR S&P INTL SM CAP ETF S&P INTL SMLCP 78463X871 1,001 25,900 SH   SOLE   25,900 0 0
ISHARES S&P MC 400 GW IND S&P MC 400GR ETF 464287606 1,205 14,894 SH   SOLE   14,894 0 0
ISHARES S&P MC 400VAL IND S&P MC 400VL ETF 464287705 3,920 37,221 SH   SOLE   37,221 0 0
ISHARES S&P SC 600 GW IND S&P SML 600 GWT 464287887 24,197 182,440 SH   SOLE   182,440 0 0
FIRST TRUST SENR LOAN ETF SENIOR LN FD 33738D309 18,340 382,020 SH   SOLE   382,020 0 0
ISHARES SHORT TREASURY BD SHORT TREAS BD 464288679 2,515 22,768 SH   SOLE   22,768 0 0
ISHRS S/T NATL MUN BD ETF SHRT NAT MUN ETF 464288158 50,873 471,833 SH   SOLE   471,833 0 0
STELLANTIS N.V. COM SHS N82405106 295 15,000 SH   SOLE   15,000 0 0
ACCENTURE PLC CL-A SHS CLASS A G1151C101 277 942 SH   SOLE   942 0 0
VANGUARD SM-CAP VALUE ETF SM CP VAL ETF 922908611 214 1,237 SH   SOLE   1,237 0 0
VANGUARD SMALL-CAP ETF SMALL CP ETF 922908751 4,791 21,271 SH   SOLE   21,271 0 0
VANGUARD SM-CAP GWTH ETF SML CP GRW ETF 922908595 1,198 4,135 SH   SOLE   4,135 0 0
ISHARES S&P SC 600VAL IND SP SMCP600VL ETF 464287879 26,687 253,132 SH   SOLE   253,132 0 0
SSGA ACT SPDR DBL TOT RET SPDR TR TACTIC 78467V848 3,745 77,367 SH   SOLE   77,367 0 0
SAP SE SPON ADR SPON ADR 803054204 3,829 27,264 SH   SOLE   27,264 0 0
UNILEVER PLC ADR SPON ADR NEW 904767704 3,858 65,960 SH   SOLE   65,960 0 0
BP PLC ADR SPONSORED ADR 055622104 3,753 142,086 SH   SOLE   142,086 0 0
FRESENIUS MED CARE AG&CO SPONSORED ADR 358029106 435 10,482 SH   SOLE   10,482 0 0
ALIBABA GROUP HOLDING-ADR SPONSORED ADS 01609W102 4,231 18,658 SH   SOLE   18,658 0 0
VANGUARD TAX-EXMPT BD ETF TAX EXEMPT BD 922907746 880 15,923 SH   SOLE   15,923 0 0
ISHARES TIPS BOND ETF TIPS BD ETF 464287176 1,348 10,533 SH   SOLE   10,533 0 0
VANGUARD TTL STK MRKT ETF TOTAL STK MKT 922908769 3,139 14,089 SH   SOLE   14,089 0 0
SPDR S&P 500 ETF TR UNIT 78462F103 1,936 4,523 SH   SOLE   4,523 0 0
VANGUARD TOT WRLD STK ETF TT WRLD ST ETF 922042742 692 6,681 SH   SOLE   6,681 0 0
ISHARES US REAL EST ETF U.S. REAL ES ETF 464287739 219 2,155 SH   SOLE   2,155 0 0
JP MORG ULT-SHRT INCM ETF ULTRA SHRT INC 46641Q837 23,971 472,434 SH   SOLE   472,434 0 0
JP MORGAN TR ULTRA SHORT ULTRA SHT MUNCPL 46641Q654 21,603 423,177 SH   SOLE   423,177 0 0
SPROTT PHYSICAL GOLD T/U UNIT 85207H104 142 10,200 SH   SOLE   10,200 0 0
INVESCO QQQ TRUST UNIT SER 1 46090E103 9,244 26,084 SH   SOLE   26,084 0 0
SCHWAB US AGGREG BD ETF US AGGREGATE B 808524839 616 11,286 SH   SOLE   11,286 0 0
SCHWAB US BROAD MRKT-ETF US BRD MKT ETF 808524102 523 5,018 SH   SOLE   5,018 0 0
DIMENSIONAL U S EQUITY US EQUITY ETF 25434V401 296 6,291 SH   SOLE   6,291 0 0
WISDOMTREE US L/C DIV FD US LARGECAP DIVD 97717W307 421 3,500 SH   SOLE   3,500 0 0
SCHWAB STR US L/C GWT ETF US LCAP GR ETF 808524300 8,061 55,234 SH   SOLE   55,234 0 0
SCHWAB STR US L/C VAL ETF US LCAP VA ETF 808524409 7,402 108,278 SH   SOLE   108,278 0 0
SCHWAB US LARGE-CAP ETF US LRG CAP ETF 808524201 1,124 10,820 SH   SOLE   10,820 0 0
SCHWAB US MID CAP ETF US MID-CAP ETF 808524508 1,195 15,280 SH   SOLE   15,280 0 0
WISDOMTREE US QLTY DIV GW US QTLY DIV GRT 97717X669 50,138 840,270 SH   SOLE   840,270 0 0
SCHWAB US SMALL-CAP ETF US SML CAP ETF 808524607 995 9,553 SH   SOLE   9,553 0 0
SPDR S&P MIDCAP 400 ETF UTSER1 S&PDCRP 78467Y107 429 875 SH   SOLE   875 0 0
VANGUARD VALUE ETF VALUE ETF 922908744 2,149 15,635 SH   SOLE   15,635 0 0
VANGUARD RUSS1000 GWT ETF VNG RUS1000GRW 92206C680 8,888 127,306 SH   SOLE   127,306 0 0
VANGUARD RUSS1000 VAL ETF VNG RUS1000VAL 92206C714 6,532 93,852 SH   SOLE   93,852 0 0