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
AT&T INC COM 00206R102 531 21,598 SH   SOLE   0 0 21,598
APPLE INC COM 037833100 12,990 73,152 SH   SOLE   0 0 73,152
BK OF AMERICA CORP COM 060505104 1,516 34,077 SH   SOLE   0 0 34,077
BLACKROCK MUN TARGET TERM TR COM SHS BEN IN 09257P105 777 29,981 SH   SOLE   0 0 29,981
BRISTOL-MYERS SQUIBB CO COM 110122108 715 11,463 SH   SOLE   0 0 11,463
CHEVRON CORP NEW COM 166764100 1,238 10,550 SH   SOLE   0 0 10,550
CISCO SYS INC COM 17275R102 662 10,439 SH   SOLE   0 0 10,439
COCA COLA CO COM 191216100 1,330 22,467 SH   SOLE   0 0 22,467
COHEN & STEERS QUALITY INCOM COM 19247L106 442 24,254 SH   SOLE   0 0 24,254
COHEN & STEERS REIT & PFD & COM 19247X100 306 10,681 SH   SOLE   0 0 10,681
DEVON ENERGY CORP NEW COM 25179M103 4,255 96,601 SH   SOLE   0 0 96,601
DIAMONDBACK ENERGY INC COM 25278X109 1,251 11,600 SH   SOLE   0 0 11,600
DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401 960 18,561 SH   SOLE   0 0 18,561
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708 83,276 2,874,551 SH   SOLE   0 0 2,874,551
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880 48,764 1,867,635 SH   SOLE   0 0 1,867,635
ENBRIDGE INC COM 29250N105 706 18,061 SH   SOLE   0 0 18,061
ENTERPRISE PRODS PARTNERS L COM 293792107 398 18,109 SH   SOLE   0 0 18,109
EXELON CORP COM 30161N101 2,786 48,238 SH   SOLE   0 0 48,238
EXXON MOBIL CORP COM 30231G102 706 11,536 SH   SOLE   0 0 11,536
FIRST TR EXCHANGE TRADED FD DJ GLBL DIVID 33734X200 510 20,318 SH   SOLE   0 0 20,318
FORD MTR CO DEL COM 345370860 1,270 61,130 SH   SOLE   0 0 61,130
HORMEL FOODS CORP COM 440452100 1,778 36,420 SH   SOLE   0 0 36,420
INNOVATOR ETFS TR IBD 50 ETF 45782C102 615 13,425 SH   SOLE   0 0 13,425
INTEL CORP COM 458140100 893 17,349 SH   SOLE   0 0 17,349
INVESCO VALUE MUN INCOME TR COM 46132P108 241 14,147 SH   SOLE   0 0 14,147
INVESCO EXCHANGE TRADED FD T S&P500 PUR GWT 46137V266 4,787 22,708 SH   SOLE   0 0 22,708
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1500 46137V597 3,943 20,567 SH   SOLE   0 0 20,567
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354 24,921 363,126 SH   SOLE   0 0 363,126
INVESCO EXCH TRADED FD TR II FTSE RAFI EMNG 46138E727 301 13,767 SH   SOLE   0 0 13,767
INVESCO EXCH TRADED FD TR II EMRNG MKT SVRG 46138E784 282 10,721 SH   SOLE   0 0 10,721
INVITAE CORP COM 46185L103 2,199 144,000 SH   SOLE   0 0 144,000
GOLD TR ISHARES NEW 464285204 631 18,120 SH   SOLE   0 0 18,120
ISHARES INC JP MRGN EM HI BD 464286285 569 13,213 SH   SOLE   0 0 13,213
ISHARES TR CORE S&P TTL STK 464287150 21,540 201,343 SH   SOLE   0 0 201,343
ISHARES TR SELECT DIVID ETF 464287168 2,081 16,975 SH   SOLE   0 0 16,975
ISHARES TR TIPS BD ETF 464287176 47,150 364,940 SH   SOLE   0 0 364,940
ISHARES TR CORE S&P500 ETF 464287200 51,067 107,062 SH   SOLE   0 0 107,062
ISHARES TR CORE US AGGBD ET 464287226 122,696 1,075,530 SH   SOLE   0 0 1,075,530
ISHARES TR MSCI EMG MKT ETF 464287234 2,870 58,752 SH   SOLE   0 0 58,752
ISHARES TR S&P 500 GRWT ETF 464287309 125,339 1,498,018 SH   SOLE   0 0 1,498,018
ISHARES TR S&P 500 VAL ETF 464287408 118,290 755,219 SH   SOLE   0 0 755,219
ISHARES TR BARCLAYS 7 10 YR 464287440 1,480 12,872 SH   SOLE   0 0 12,872
ISHARES TR 1 3 YR TREAS BD 464287457 4,622 54,028 SH   SOLE   0 0 54,028
ISHARES TR MSCI EAFE ETF 464287465 4,230 53,766 SH   SOLE   0 0 53,766
ISHARES TR RUS MID CAP ETF 464287499 1,293 15,572 SH   SOLE   0 0 15,572
ISHARES TR CORE S&P MCP ETF 464287507 55,132 194,759 SH   SOLE   0 0 194,759
ISHARES TR RUS 1000 VAL ETF 464287598 14,476 86,203 SH   SOLE   0 0 86,203
ISHARES TR RUS 1000 GRW ETF 464287614 11,549 37,791 SH   SOLE   0 0 37,791
ISHARES TR RUSSELL 2000 ETF 464287655 10,178 45,753 SH   SOLE   0 0 45,753
ISHARES TR CORE S&P SCP ETF 464287804 30,466 266,059 SH   SOLE   0 0 266,059
ISHARES TR SHRT NAT MUN ETF 464288158 1,994 18,573 SH   SOLE   0 0 18,573
ISHARES TR JPMORGAN USD EMG 464288281 26,835 246,054 SH   SOLE   0 0 246,054
ISHARES TR NATIONAL MUN ETF 464288414 138,217 1,188,657 SH   SOLE   0 0 1,188,657
ISHARES TR INTL SEL DIV ETF 464288448 1,195 38,339 SH   SOLE   0 0 38,339
ISHARES TR MBS ETF 464288588 8,285 77,120 SH   SOLE   0 0 77,120
ISHARES TR USD INV GRDE ETF 464288620 9,315 155,927 SH   SOLE   0 0 155,927
ISHARES TR ISHS 1-5YR INVS 464288646 2,758 51,191 SH   SOLE   0 0 51,191
ISHARES TR SHORT TREAS BD 464288679 1,211 10,965 SH   SOLE   0 0 10,965
ISHARES TR PFD AND INCM SEC 464288687 41,798 1,060,064 SH   SOLE   0 0 1,060,064
ISHARES TR EAFE VALUE ETF 464288877 726 14,404 SH   SOLE   0 0 14,404
ISHARES TR AGGRES ALLOC ETF 464289859 766 10,517 SH   SOLE   0 0 10,517
ISHARES TR GRWT ALLOCAT ETF 464289867 775 13,583 SH   SOLE   0 0 13,583
ISHARES TR US TREAS BD ETF 46429B267 13,395 502,069 SH   SOLE   0 0 502,069
ISHARES TR FLTG RATE NT ETF 46429B655 2,942 57,985 SH   SOLE   0 0 57,985
ISHARES TR CORE HIGH DV ETF 46429B663 1,736 17,187 SH   SOLE   0 0 17,187
ISHARES TR MSCI EAFE MIN VL 46429B689 2,343 30,520 SH   SOLE   0 0 30,520
ISHARES TR MSCI USA MIN VOL 46429B697 1,095 13,535 SH   SOLE   0 0 13,535
ISHARES U S ETF TR BLACKROCK SHORT 46431W838 5,019 100,156 SH   SOLE   0 0 100,156
ISHARES U S ETF TR GSCI CMDTY STGY 46431W853 40,090 1,298,260 SH   SOLE   0 0 1,298,260
ISHARES TR MSCI USA QLT FCT 46432F339 23,727 163,006 SH   SOLE   0 0 163,006
ISHARES TR MSCI USA VALUE 46432F388 150,845 1,377,953 SH   SOLE   0 0 1,377,953
ISHARES TR CORE MSCI TOTAL 46432F834 26,076 367,582 SH   SOLE   0 0 367,582
ISHARES TR CORE MSCI EAFE 46432F842 126,444 1,694,056 SH   SOLE   0 0 1,694,056
ISHARES INC CORE MSCI EMKT 46434G103 39,543 660,599 SH   SOLE   0 0 660,599
ISHARES INC ESG AWR MSCI EM 46434G863 2,539 63,884 SH   SOLE   0 0 63,884
ISHARES TR 0-5YR HI YL CP 46434V407 1,555 34,321 SH   SOLE   0 0 34,321
ISHARES TR MSCI INTL QUALTY 46434V456 8,714 221,288 SH   SOLE   0 0 221,288
ISHARES TR CORE DIV GRWTH 46434V621 14,785 266,009 SH   SOLE   0 0 266,009
ISHARES TR HDG MSCI EAFE 46434V803 495 14,015 SH   SOLE   0 0 14,015
ISHARES TR BLACKROCK ULTRA 46434V878 1,091 21,649 SH   SOLE   0 0 21,649
ISHARES TR IBONDS DEC23 ETF 46434VAX8 2,785 108,501 SH   SOLE   0 0 108,501
ISHARES TR IBONDS DEC22 ETF 46434VBA7 3,211 127,722 SH   SOLE   0 0 127,722
ISHARES TR IBONDS DEC25 ETF 46434VBD1 1,947 73,696 SH   SOLE   0 0 73,696
ISHARES TR IBONDS DEC24 ETF 46434VBG4 2,647 102,100 SH   SOLE   0 0 102,100
ISHARES TR IBONDS DEC2023 46435G318 2,457 94,804 SH   SOLE   0 0 94,804
ISHARES TR FALN ANGLS USD 46435G474 1,192 39,757 SH   SOLE   0 0 39,757
ISHARES TR ESG AW MSCI EAFE 46435G516 2,805 35,304 SH   SOLE   0 0 35,304
ISHARES TR IBONDS DEC2022 46435G755 3,033 116,367 SH   SOLE   0 0 116,367
ISHARES TR IBONDS DEC2026 46435GAA0 2,160 82,854 SH   SOLE   0 0 82,854
ISHARES TR ESG MSCI LEADR 46435U218 8,272 98,050 SH   SOLE   0 0 98,050
ISHARES TR IBONDS DEC 26 46435U259 1,508 56,112 SH   SOLE   0 0 56,112
ISHARES TR IBONDS DEC 27 46435U283 1,279 47,310 SH   SOLE   0 0 47,310
ISHARES TR IBONDS DEC 28 46435U325 2,250 82,570 SH   SOLE   0 0 82,570
ISHARES TR IBONDS DEC 25 46435U432 677 24,313 SH   SOLE   0 0 24,313
ISHARES TR GBL GREEN ETF 46435U440 668 12,304 SH   SOLE   0 0 12,304
ISHARES TR IBDS DEC28 ETF 46435U515 390 13,772 SH   SOLE   0 0 13,772
ISHARES TR ESG AWR US AGRGT 46435U549 2,744 49,714 SH   SOLE   0 0 49,714
ISHARES TR ESG AWARE MSCI 46435U663 1,088 26,979 SH   SOLE   0 0 26,979
ISHARES TR IBONDS DEC 46435U697 1,397 52,108 SH   SOLE   0 0 52,108
ISHARES TR IBONDS 27 ETF 46435UAA9 567 21,365 SH   SOLE   0 0 21,365
ISHARES TR ESG MSCI EM LDRS 46436E601 751 13,050 SH   SOLE   0 0 13,050
J P MORGAN EXCHANGE-TRADED F ULTRA SHT MUNCPL 46641Q654 134,090 2,626,130 SH   SOLE   0 0 2,626,130
J P MORGAN EXCHANGE-TRADED F ULTRA SHRT INC 46641Q837 31,611 626,217 SH   SOLE   0 0 626,217
JAMF HLDG CORP COM 47074L105 4,649 122,300 SH   SOLE   0 0 122,300
KIRKLAND LAKE GOLD LTD COM 49741E100 449 10,712 SH   SOLE   0 0 10,712
MATTHEWS INTL CORP CL A 577128101 468 12,771 SH   SOLE   0 0 12,771
MERCK & CO INC COM 58933Y105 1,952 25,469 SH   SOLE   0 0 25,469
MICROSOFT CORP COM 594918104 12,397 36,860 SH   SOLE   0 0 36,860
MONDELEZ INTL INC CL A 609207105 687 10,358 SH   SOLE   0 0 10,358
NEXTERA ENERGY INC COM 65339F101 2,945 31,543 SH   SOLE   0 0 31,543
NUVEEN AMT FREE QLTY MUN INC COM 670657105 3,046 195,225 SH   SOLE   0 0 195,225
NUVEEN QUALITY MUNCP INCOME COM 67066V101 4,164 258,452 SH   SOLE   0 0 258,452
NUVEEN MUN HIGH INCOME OPPOR COM 670682103 2,922 193,274 SH   SOLE   0 0 193,274
NUVEEN MUNICIPAL CREDIT INC COM SH BEN INT 67070X101 494 28,918 SH   SOLE   0 0 28,918
NUVEEN AMT FREE MUN CR INC F COM 67071L106 786 43,839 SH   SOLE   0 0 43,839
NUVEEN MUN VALUE FD INC COM 670928100 718 69,203 SH   SOLE   0 0 69,203
ORGANON & CO COMMON STOCK 68622V106 487 15,994 SH   SOLE   0 0 15,994
PG&E CORP COM 69331C108 365 30,038 SH   SOLE   0 0 30,038
PFIZER INC COM 717081103 844 14,291 SH   SOLE   0 0 14,291
PIONEER MUNICIPAL HIGH INCOM COM 723762100 1,436 124,342 SH   SOLE   0 0 124,342
PIONEER MUNICIPAL HIGH INCOM COM SHS 723763108 1,700 138,983 SH   SOLE   0 0 138,983
PROCTER AND GAMBLE CO COM 742718109 3,108 18,998 SH   SOLE   0 0 18,998
PROSHARES TR S&P 500 DV ARIST 74348A467 75,851 772,568 SH   SOLE   0 0 772,568
ROCKWELL AUTOMATION INC COM 773903109 11,688 33,503 SH   SOLE   0 0 33,503
SBA COMMUNICATIONS CORP NEW CL A 78410G104 4,508 11,587 SH   SOLE   0 0 11,587
SPDR S&P 500 ETF TR TR UNIT 78462F103 9,187 19,344 SH   SOLE   0 0 19,344
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 521 12,546 SH   SOLE   0 0 12,546
SPDR INDEX SHS FDS MSCI ACWI EXUS 78463X848 26,300 897,320 SH   SOLE   0 0 897,320
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 613 16,799 SH   SOLE   0 0 16,799
SPDR SER TR BLOOMBERG INTL 78464A151 6,490 187,633 SH   SOLE   0 0 187,633
SPDR SER TR PRTFLO S&P500 GW 78464A409 35,979 496,462 SH   SOLE   0 0 496,462
SPDR SER TR S&P DIVID ETF 78464A763 8,059 62,413 SH   SOLE   0 0 62,413
SPDR SER TR NUVEEN BLMBRG MU 78468R721 23,611 456,434 SH   SOLE   0 0 456,434
SPDR SER TR NUVEEN BLMBRG SH 78468R739 2,670 54,284 SH   SOLE   0 0 54,284
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 56,951 503,947 SH   SOLE   0 0 503,947
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 58,773 358,921 SH   SOLE   0 0 358,921
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 29,601 404,278 SH   SOLE   0 0 404,278
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 5,513 68,542 SH   SOLE   0 0 68,542
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 4,501 43,955 SH   SOLE   0 0 43,955
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 3,147 106,230 SH   SOLE   0 0 106,230
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755 719 22,127 SH   SOLE   0 0 22,127
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 13,405 344,873 SH   SOLE   0 0 344,873
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 27,384 508,050 SH   SOLE   0 0 508,050
SCHWAB STRATEGIC TR US REIT ETF 808524847 788 14,960 SH   SOLE   0 0 14,960
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886 6,813 95,176 SH   SOLE   0 0 95,176
UNITED STS COMMODITY INDEX F COMM IDX FND 911717106 1,335 30,719 SH   SOLE   0 0 30,719
VANECK ETF TRUST SHRT HGH YLD MUN 92189F387 3,436 136,614 SH   SOLE   0 0 136,614
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 94,347 549,329 SH   SOLE   0 0 549,329
VANGUARD STAR FDS VG TL INTL STK F 921909768 1,299 20,436 SH   SOLE   0 0 20,436
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 2,889 35,740 SH   SOLE   0 0 35,740
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 35,674 420,933 SH   SOLE   0 0 420,933
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 139,650 2,735,027 SH   SOLE   0 0 2,735,027
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 727 14,151 SH   SOLE   0 0 14,151
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 1,644 29,805 SH   SOLE   0 0 29,805
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 4,727 44,000 SH   SOLE   0 0 44,000
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 21,023 343,065 SH   SOLE   0 0 343,065
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 7,558 152,801 SH   SOLE   0 0 152,801
VANGUARD INTL EQUITY INDEX F FTSE PACIFIC ETF 922042866 1,446 18,535 SH   SOLE   0 0 18,535
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 5,689 83,367 SH   SOLE   0 0 83,367
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 837 10,303 SH   SOLE   0 0 10,303
VANGUARD SCOTTSDALE FDS LG-TERM COR BD 92206C813 1,203 11,363 SH   SOLE   0 0 11,363
VANGUARD SCOTTSDALE FDS LONG TERM TREAS 92206C847 1,901 21,262 SH   SOLE   0 0 21,262
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 2,870 30,941 SH   SOLE   0 0 30,941
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 64,031 1,166,113 SH   SOLE   0 0 1,166,113
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 131,710 301,693 SH   SOLE   0 0 301,693
VANGUARD INDEX FDS GROWTH ETF 922908736 5,026 15,661 SH   SOLE   0 0 15,661
VANGUARD INDEX FDS VALUE ETF 922908744 4,308 29,283 SH   SOLE   0 0 29,283
VANGUARD INDEX FDS TOTAL STK MKT 922908769 5,881 24,360 SH   SOLE   0 0 24,360
VERIZON COMMUNICATIONS INC COM 92343V104 861 16,580 SH   SOLE   0 0 16,580
WHEATON PRECIOUS METALS CORP COM 962879102 510 11,888 SH   SOLE   0 0 11,888
WHEELS UP EXPERIENCE INC COM CL A 96328L106 205 44,250 SH   SOLE   0 0 44,250
WISDOMTREE TR INTRST RATE HDGE 97717W380 4,419 94,662 SH   SOLE   0 0 94,662
WISDOMTREE TR US MIDCAP DIVID 97717W505 2,677 60,348 SH   SOLE   0 0 60,348