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
SPDR SER TR BLMBRG BRC CNVRT 78464A359 10,091 118,225 SH   SOLE   0 0 118,225
NETAPP INC COM 64110D104 211 2,350 SH   SOLE   0 0 2,350
GENERAL ELECTRIC CO COM 369604103 1,682 16,327 SH   SOLE   0 0 16,327
ISHARES TR NATIONAL MUN ETF 464288414 8,800 75,755 SH   SOLE   0 0 75,755
DISNEY WALT CO COM 254687106 538 3,180 SH   SOLE   0 0 3,180
CHOICE HOTELS INTL INC COM 169905106 331 2,618 SH   SOLE   0 0 2,618
PFIZER INC COM 717081103 265 6,152 SH   SOLE   0 0 6,152
ISHARES TR SHRT NAT MUN ETF 464288158 218 2,027 SH   SOLE   0 0 2,027
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 23,074 154,015 SH   SOLE   0 0 154,015
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 8,813 289,141 SH   SOLE   0 0 289,141
DRAFTKINGS INC COM CL A 26142R104 243 5,036 SH   SOLE   0 0 5,036
SPDR S&P 500 ETF TR TR UNIT 78462F103 896 2,088 SH   SOLE   0 0 2,088
AMERICAN EXPRESS CO COM 025816109 1,076 6,425 SH   SOLE   0 0 6,425
INDEXIQ ETF TR IQ MRGR ARB ETF 45409B800 563 17,125 SH   SOLE   0 0 17,125
STATE STR CORP COM 857477103 531 6,265 SH   SOLE   0 0 6,265
AON PLC SHS CL A G0403H108 819 2,865 SH   SOLE   0 0 2,865
GOLDMAN SACHS ETF TR ACTIVEBETA US LG 381430503 3,017 35,074 SH   SOLE   0 0 35,074
BK OF AMERICA CORP COM 060505104 405 9,543 SH   SOLE   0 0 9,543
ANNALY CAPITAL MANAGEMENT IN COM 035710409 365 43,341 SH   SOLE   0 0 43,341
SPDR SER TR ICE PFD SEC ETF 78464A292 269 6,199 SH   SOLE   0 0 6,199
INVESCO EXCHANGE TRADED FD T S&P500 EQL IND 46137V324 289 1,582 SH   SOLE   0 0 1,582
SELECT SECTOR SPDR TR ENERGY 81369Y506 256 4,908 SH   SOLE   0 0 4,908
VANGUARD SCOTTSDALE FDS VNG RUS1000GRW 92206C680 993 14,097 SH   SOLE   0 0 14,097
NEXTERA ENERGY INC COM 65339F101 311 3,960 SH   SOLE   0 0 3,960
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763 11,785 223,715 SH   SOLE   0 0 223,715
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109 498 1,471 SH   SOLE   0 0 1,471
LOWES COS INC COM 548661107 284 1,400 SH   SOLE   0 0 1,400
INVESCO EXCH TRADED FD TR II EMRNG MKT SVRG 46138E784 369 13,847 SH   SOLE   0 0 13,847
UNION PAC CORP COM 907818108 220 1,122 SH   SOLE   0 0 1,122
AMPLIFY ETF TR CWP ENHANCED DIV 032108409 1,320 37,797 SH   SOLE   0 0 37,797
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730 19,805 614,483 SH   SOLE   0 0 614,483
REGENERON PHARMACEUTICALS COM 75886F107 1,670 2,760 SH   SOLE   0 0 2,760
APPLE INC COM 037833100 6,857 48,459 SH   SOLE   0 0 48,459
AMAZON COM INC COM 023135106 2,066 629 SH   SOLE   0 0 629
AT&T INC COM 00206R102 715 26,483 SH   SOLE   0 0 26,483
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 560 6,837 SH   SOLE   0 0 6,837
CINCINNATI FINL CORP COM 172062101 284 2,484 SH   SOLE   0 0 2,484
HEPION PHARMACEUTICALS INC COM 426897104 86 55,978 SH   SOLE   0 0 55,978
MODERNA INC COM 60770K107 918 2,384 SH   SOLE   0 0 2,384
WORLD GOLD TR SPDR GLD MINIS 98149E204 175 10,024 SH   SOLE   0 0 10,024
VANGUARD INDEX FDS GROWTH ETF 922908736 550 1,897 SH   SOLE   0 0 1,897
ISHARES TR EAFE SML CP ETF 464288273 2,197 29,520 SH   SOLE   0 0 29,520
PROCTER AND GAMBLE CO COM 742718109 382 2,735 SH   SOLE   0 0 2,735
BOEING CO COM 097023105 382 1,737 SH   SOLE   0 0 1,737
PIMCO ETF TR INV GRD CRP BD 72201R817 12,476 109,852 SH   SOLE   0 0 109,852
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 1,929 19,275 SH   SOLE   0 0 19,275
ORACLE CORP COM 68389X105 498 5,714 SH   SOLE   0 0 5,714
LEAP THERAPEUTICS INC COM 52187K101 132 33,034 SH   SOLE   0 0 33,034
SCHWAB STRATEGIC TR INTRM TRM TRES 808524854 10,024 176,753 SH   SOLE   0 0 176,753
ISHARES TR RUS 2000 VAL ETF 464287630 317 1,976 SH   SOLE   0 0 1,976
US BANCORP DEL COM NEW 902973304 475 7,991 SH   SOLE   0 0 7,991
WALMART INC COM 931142103 325 2,334 SH   SOLE   0 0 2,334
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 71,493 1,317,609 SH   SOLE   0 0 1,317,609
NIKE INC CL B 654106103 369 2,544 SH   SOLE   0 0 2,544
ISHARES TR JPMORGAN USD EMG 464288281 236 2,142 SH   SOLE   0 0 2,142
INTEL CORP COM 458140100 306 5,750 SH   SOLE   0 0 5,750
CINTAS CORP COM 172908105 335 881 SH   SOLE   0 0 881
ISHARES TR CORE MSCI TOTAL 46432F834 1,690 23,804 SH   SOLE   0 0 23,804
INVESCO INDIA EXCHANGE-TRADE INDIA ETF 46137R109 2,302 80,790 SH   SOLE   0 0 80,790
COMCAST CORP NEW CL A 20030N101 527 9,428 SH   SOLE   0 0 9,428
SPDR SER TR S&P 600 SMCP GRW 78464A201 6,522 74,860 SH   SOLE   0 0 74,860
CISCO SYS INC COM 17275R102 719 13,212 SH   SOLE   0 0 13,212
EXXON MOBIL CORP COM 30231G102 396 6,740 SH   SOLE   0 0 6,740
SPDR SER TR S&P 600 SMCP VAL 78464A300 8,230 100,411 SH   SOLE   0 0 100,411
DOW INC COM 260557103 414 7,198 SH   SOLE   0 0 7,198
BRISTOL-MYERS SQUIBB CO COM 110122108 408 6,899 SH   SOLE   0 0 6,899
SENSEONICS HLDGS INC COM 81727U105 85 25,000 SH   SOLE   0 0 25,000
ISHARES INC CORE MSCI EMKT 46434G103 500 8,091 SH   SOLE   0 0 8,091
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 397 1,453 SH   SOLE   0 0 1,453
SPDR SER TR PORTFOLIO LN TSR 78464A664 13,917 337,062 SH   SOLE   0 0 337,062
ALIBABA GROUP HLDG LTD SPONSORED ADS 01609W102 242 1,636 SH   SOLE   0 0 1,636
VANGUARD INDEX FDS VALUE ETF 922908744 309 2,285 SH   SOLE   0 0 2,285
ABBVIE INC COM 00287Y109 1,666 15,442 SH   SOLE   0 0 15,442
AMPLIFY ETF TR BLACKSWAN GRWT 032108888 5,031 146,983 SH   SOLE   0 0 146,983
SPDR SER TR NUVEEN BBG BRCLY 78464A284 3,228 53,840 SH   SOLE   0 0 53,840
SPDR SER TR S&P 400 MDCP VAL 78464A839 20,987 316,878 SH   SOLE   0 0 316,878
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 66,530 1,719,120 SH   SOLE   0 0 1,719,120
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 425 2,765 SH   SOLE   0 0 2,765
TRIMBLE INC COM 896239100 562 6,830 SH   SOLE   0 0 6,830
VANGUARD INDEX FDS MID CAP ETF 922908629 215 908 SH   SOLE   0 0 908
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 89,934 607,294 SH   SOLE   0 0 607,294
VISA INC COM CL A 92826C839 259 1,162 SH   SOLE   0 0 1,162
VANGUARD INDEX FDS SML CP GRW ETF 922908595 5,080 18,133 SH   SOLE   0 0 18,133
INVESCO EXCH TRADED FD TR II PFD ETF 46138E511 8,524 567,158 SH   SOLE   0 0 567,158
CORBUS PHARMACEUTICALS HLDGS COM 21833P103 10 10,005 SH   SOLE   0 0 10,005
PPL CORP COM 69351T106 208 7,470 SH   SOLE   0 0 7,470
SSGA ACTIVE ETF TR BLACKSTONE SENR 78467V608 206 4,481 SH   SOLE   0 0 4,481
SPDR SER TR NUVEEN BRC MUNIC 78468R721 12,835 248,884 SH   SOLE   0 0 248,884
ISHARES TR CONV BD ETF 46435G102 246 2,466 SH   SOLE   0 0 2,466
FS KKR CAP CORP COM 302635206 224 10,186 SH   SOLE   0 0 10,186
ISHARES TR RUS MDCP VAL ETF 464287473 3,799 33,549 SH   SOLE   0 0 33,549
TJX COS INC NEW COM 872540109 367 5,564 SH   SOLE   0 0 5,564
VANGUARD INDEX FDS SMALL CP ETF 922908751 4,784 21,880 SH   SOLE   0 0 21,880
INSULET CORP COM 45784P101 297 1,046 SH   SOLE   0 0 1,046
WISDOMTREE TR INTRST RATE HDGE 97717W380 2,060 43,942 SH   SOLE   0 0 43,942
FACEBOOK INC CL A 30303M102 582 1,714 SH   SOLE   0 0 1,714
SPDR SER TR S&P BIOTECH 78464A870 1,288 10,246 SH   SOLE   0 0 10,246
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771 95,409 1,768,468 SH   SOLE   0 0 1,768,468
MARSH & MCLENNAN COS INC COM 571748102 592 3,912 SH   SOLE   0 0 3,912
INVESCO EXCHANGE TRADED FD T S&P500 EQL HLT 46137V332 4,574 15,339 SH   SOLE   0 0 15,339
GLOBE LIFE INC COM 37959E102 255 2,869 SH   SOLE   0 0 2,869
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 3,193 43,011 SH   SOLE   0 0 43,011
LILLY ELI & CO COM 532457108 213 920 SH   SOLE   0 0 920
VIACOMCBS INC CL B 92556H206 336 8,511 SH   SOLE   0 0 8,511
DYNATRACE INC COM NEW 268150109 1,014 14,291 SH   SOLE   0 0 14,291
ISHARES TR CORE US AGGBD ET 464287226 2,744 23,895 SH   SOLE   0 0 23,895
INVESCO EXCH TRADED FD TR II FNDMNTL HY CRP 46138E719 3,037 155,896 SH   SOLE   0 0 155,896
SILK RD MED INC COM 82710M100 226 4,115 SH   SOLE   0 0 4,115
ISHARES TR IBOXX HI YD ETF 464288513 4,976 56,874 SH   SOLE   0 0 56,874
VANGUARD INDEX FDS TOTAL STK MKT 922908769 7,509 33,815 SH   SOLE   0 0 33,815
VANGUARD WORLD FD MEGA CAP INDEX 921910873 1,079 7,082 SH   SOLE   0 0 7,082
HOME DEPOT INC COM 437076102 315 960 SH   SOLE   0 0 960
COCA COLA CO COM 191216100 329 6,266 SH   SOLE   0 0 6,266
TESLA INC COM 88160R101 1,699 2,190 SH   SOLE   0 0 2,190
ISHARES TR RUS TP200 GR ETF 464289438 583 3,816 SH   SOLE   0 0 3,816
INTERNATIONAL BUSINESS MACHS COM 459200101 450 3,240 SH   SOLE   0 0 3,240
NVIDIA CORPORATION COM 67066G104 507 2,446 SH   SOLE   0 0 2,446
SCHWAB STRATEGIC TR US TIPS ETF 808524870 16,937 270,638 SH   SOLE   0 0 270,638
INVESCO QQQ TR UNIT SER 1 46090E103 712 1,989 SH   SOLE   0 0 1,989
NETFLIX INC COM 64110L106 228 374 SH   SOLE   0 0 374
ISHARES TR S&P 500 GRWT ETF 464287309 221 2,993 SH   SOLE   0 0 2,993
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 11,217 80,342 SH   SOLE   0 0 80,342
3M CO COM 88579Y101 241 1,376 SH   SOLE   0 0 1,376
VERIZON COMMUNICATIONS INC COM 92343V104 970 17,961 SH   SOLE   0 0 17,961
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 876 2,221 SH   SOLE   0 0 2,221
INVESCO EXCHANGE TRADED FD T S&P 500 TOP 50 46137V233 4,542 13,763 SH   SOLE   0 0 13,763
T2 BIOSYSTEMS INC COM 89853L104 69 75,201 SH   SOLE   0 0 75,201
MICROSOFT CORP COM 594918104 3,331 11,814 SH   SOLE   0 0 11,814
ISHARES TR CORE MSCI EAFE 46432F842 297 4,004 SH   SOLE   0 0 4,004
WISDOMTREE TR HEDGED HI YLD BD 97717W430 3,763 169,276 SH   SOLE   0 0 169,276
MERCK & CO INC COM 58933Y105 311 4,147 SH   SOLE   0 0 4,147
ISHARES TR RUS 1000 GRW ETF 464287614 310 1,130 SH   SOLE   0 0 1,130
VANECK VECTORS ETF TR SHRT HGH YLD MUN 92189F387 816 32,517 SH   SOLE   0 0 32,517
STARBUCKS CORP COM 855244109 314 2,850 SH   SOLE   0 0 2,850
ISHARES TR RUSSELL 2000 ETF 464287655 236 1,078 SH   SOLE   0 0 1,078
TYSON FOODS INC CL A 902494103 278 3,524 SH   SOLE   0 0 3,524
CASSAVA SCIENCES INC COM 14817C107 395 6,367 SH   SOLE   0 0 6,367
VANGUARD WORLD FDS INF TECH ETF 92204A702 2,915 7,265 SH   SOLE   0 0 7,265
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 114,568 1,101,299 SH   SOLE   0 0 1,101,299
VERASTEM INC COM 92337C104 96 31,054 SH   SOLE   0 0 31,054
FRANCO NEV CORP COM 351858105 296 2,278 SH   SOLE   0 0 2,278
CHURCHILL CAPITAL CORP IV CL A 171439102 253 9,965 SH   SOLE   0 0 9,965
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 301 2,367 SH   SOLE   0 0 2,367
MCDONALDS CORP COM 580135101 415 1,720 SH   SOLE   0 0 1,720
MARRIOTT INTL INC NEW CL A 571903202 201 1,357 SH   SOLE   0 0 1,357
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 1,899 44,650 SH   SOLE   0 0 44,650
ISHARES TR ASIA 50 ETF 464288430 1,927 24,637 SH   SOLE   0 0 24,637
INVESCO EXCH TRADED FD TR II SR LN ETF 46138G508 5,383 243,448 SH   SOLE   0 0 243,448
ALPHABET INC CAP STK CL A 02079K305 1,230 460 SH   SOLE   0 0 460
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 1,127 22,533 SH   SOLE   0 0 22,533
VERTEX PHARMACEUTICALS INC COM 92532F100 606 3,339 SH   SOLE   0 0 3,339
AGILENT TECHNOLOGIES INC COM 00846U101 427 2,713 SH   SOLE   0 0 2,713
SPDR SER TR NUVEEN BLMBRG SR 78468R739 4,205 85,117 SH   SOLE   0 0 85,117
GLOBAL X FDS S&P 500 COVERED 37954Y475 2,755 56,779 SH   SOLE   0 0 56,779
ALPHABET INC CAP STK CL C 02079K107 757 284 SH   SOLE   0 0 284
ISHARES TR MSCI EAFE ETF 464287465 3,893 49,901 SH   SOLE   0 0 49,901
ISHARES TR RUS MD CP GR ETF 464287481 2,160 19,277 SH   SOLE   0 0 19,277
CHEMED CORP NEW COM 16359R103 293 630 SH   SOLE   0 0 630
PERSHING SQUARE TONTINE HLDG COM CL A 71531R109 496 25,171 SH   SOLE   0 0 25,171
ISHARES TR CORE S&P500 ETF 464287200 4,665 10,828 SH   SOLE   0 0 10,828
BIOGEN INC COM 09062X103 216 764 SH   SOLE   0 0 764
SPDR SER TR PRTFLO S&P500 VL 78464A508 4,871 124,903 SH   SOLE   0 0 124,903
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 228 4,010 SH   SOLE   0 0 4,010
UNITED PARCEL SERVICE INC CL B 911312106 670 3,677 SH   SOLE   0 0 3,677
GAMIDA CELL LTD SHS M47364100 100 25,629 SH   SOLE   0 0 25,629
DBX ETF TR XTRACK MUN INFRA 233051705 4,286 147,590 SH   SOLE   0 0 147,590
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 1,296 23,670 SH   SOLE   0 0 23,670
SPDR SER TR S&P 400 MDCP GRW 78464A821 26,786 354,078 SH   SOLE   0 0 354,078
INVESCO EXCHANGE TRADED FD T S&P500 PUR GWT 46137V266 305 1,586 SH   SOLE   0 0 1,586
JOHNSON & JOHNSON COM 478160104 944 5,845 SH   SOLE   0 0 5,845
ISHARES TR 0-5YR HI YL CP 46434V407 630 13,778 SH   SOLE   0 0 13,778
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 31,506 758,810 SH   SOLE   0 0 758,810
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 610 3,397 SH   SOLE   0 0 3,397
SPDR SER TR MSCI USA STRTGIC 78468R812 2,834 23,761 SH   SOLE   0 0 23,761
PAYPAL HLDGS INC COM 70450Y103 355 1,364 SH   SOLE   0 0 1,364
POWERFLEET INC COM 73931J109 67 10,000 SH   SOLE   0 0 10,000
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 1,509 19,683 SH   SOLE   0 0 19,683
VANGUARD INDEX FDS SM CP VAL ETF 922908611 4,984 29,447 SH   SOLE   0 0 29,447
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 12,020 50,867 SH   SOLE   0 0 50,867