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
DISNEY WALT CO COM DISNEY 254687106 258 2,316 SH   SOLE   0 0 2,316
PFIZER INC COM 717081103 283 8,643 SH   SOLE   0 0 8,643
SPDR SER TR BLMBRG BRC CNVRT 78464A359 6,302 104,166 SH   SOLE   0 0 104,166
ISHARES TR SHRT NAT MUN ETF 464288158 214 1,985 SH   SOLE   0 0 1,985
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 17,686 173,797 SH   SOLE   0 0 173,797
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 206 8,446 SH   SOLE   0 0 8,446
ISHARES TR NATIONAL MUN ETF 464288414 2,909 25,204 SH   SOLE   0 0 25,204
FORUM MERGER II CORP *W EXP 09/30/202 34986F111 76 16,100 SH   SOLE   0 0 16,100
FORUM MERGER II CORP CL A 34986F103 210 12,750 SH   SOLE   0 0 12,750
SPDR S&P 500 ETF TR TR UNIT 78462F103 449 1,458 SH   SOLE   0 0 1,458
CHOICE HOTELS INTL INC COM 169905106 207 2,618 SH   SOLE   0 0 2,618
AON PLC SHS CL A G0403H108 552 2,867 SH   SOLE   0 0 2,867
BK OF AMERICA CORP COM 060505104 219 9,208 SH   SOLE   0 0 9,208
AMERICAN EXPRESS CO COM 025816109 664 6,970 SH   SOLE   0 0 6,970
VANGUARD SCOTTSDALE FDS VNG RUS1000GRW 92206C680 744 3,773 SH   SOLE   0 0 3,773
INDEXIQ ETF TR IQ MRGR ARB ETF 45409B800 436 13,820 SH   SOLE   0 0 13,820
ITERUM THERAPEUTICS PLC SHS G6333L101 14 12,000 SH   SOLE   0 0 12,000
STATE STR CORP COM 857477103 398 6,265 SH   SOLE   0 0 6,265
FS KKR CAP CORP II COM 35952V303 424 32,882 SH   SOLE   0 0 32,882
AT&T INC COM 00206R102 595 19,677 SH   SOLE   0 0 19,677
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763 10,475 330,244 SH   SOLE   0 0 330,244
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109 380 1,473 SH   SOLE   0 0 1,473
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730 15,691 670,288 SH   SOLE   0 0 670,288
INVESCO EXCHANGE-TRADED FD T SR LN ETF 46138G508 990 46,355 SH   SOLE   0 0 46,355
APPLE INC COM 037833100 3,085 8,458 SH   SOLE   0 0 8,458
AMAZON COM INC COM 023135106 1,128 409 SH   SOLE   0 0 409
INVESCO EXCH TRADED FD TR II EMRNG MKT SVRG 46138E784 397 14,814 SH   SOLE   0 0 14,814
ISHARES TR EAFE SML CP ETF 464288273 1,531 28,556 SH   SOLE   0 0 28,556
PROCTER AND GAMBLE CO COM 742718109 221 1,844 SH   SOLE   0 0 1,844
BOEING CO COM 097023105 214 1,168 SH   SOLE   0 0 1,168
PIMCO ETF TR INV GRD CRP BD 72201R817 7,446 65,163 SH   SOLE   0 0 65,163
ORACLE CORP COM 68389X105 303 5,491 SH   SOLE   0 0 5,491
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 1,428 21,854 SH   SOLE   0 0 21,854
SCHWAB STRATEGIC TR INTRM TRM TRES 808524854 5,304 90,233 SH   SOLE   0 0 90,233
VANGUARD INDEX FDS GROWTH ETF 922908736 590 2,920 SH   SOLE   0 0 2,920
NIKE INC CL B 654106103 243 2,480 SH   SOLE   0 0 2,480
ISHARES TR JPMORGAN USD EMG 464288281 228 2,083 SH   SOLE   0 0 2,083
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 37,199 661,440 SH   SOLE   0 0 661,440
INTEL CORP COM 458140100 438 7,329 SH   SOLE   0 0 7,329
US BANCORP DEL COM NEW 902973304 286 7,774 SH   SOLE   0 0 7,774
CINTAS CORP COM 172908105 231 866 SH   SOLE   0 0 866
ISHARES TR CORE MSCI TOTAL 46432F834 1,461 26,790 SH   SOLE   0 0 26,790
DOW INC COM 260557103 281 6,905 SH   SOLE   0 0 6,905
COMCAST CORP NEW CL A 20030N101 268 6,882 SH   SOLE   0 0 6,882
SPDR SER TR S&P 600 SMCP VAL 78464A300 6,450 131,321 SH   SOLE   0 0 131,321
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 880 11,981 SH   SOLE   0 0 11,981
CISCO SYS INC COM 17275R102 551 11,824 SH   SOLE   0 0 11,824
SPDR SER TR S&P 600 SMCP GRW 78464A201 4,723 83,185 SH   SOLE   0 0 83,185
BRISTOL-MYERS SQUIBB CO COM 110122108 321 5,452 SH   SOLE   0 0 5,452
EXXON MOBIL CORP COM 30231G102 309 6,917 SH   SOLE   0 0 6,917
VANECK VECTORS ETF TR SHORT HIGH YIELD 92189F387 1,053 44,199 SH   SOLE   0 0 44,199
ABBVIE INC COM 00287Y109 790 8,046 SH   SOLE   0 0 8,046
COLONY CR REAL ESTATE INC COM CL A 19625T101 177 25,253 SH   SOLE   0 0 25,253
ISHARES TR BARCLAYS 7 10 YR 464287440 285 2,335 SH   SOLE   0 0 2,335
SPDR SER TR NUVEEN BBG BRCLY 78464A284 2,012 35,700 SH   SOLE   0 0 35,700
ISHARES INC CORE MSCI EMKT 46434G103 343 7,198 SH   SOLE   0 0 7,198
INVESCO INDIA EXCHG TRED FD INDIA ETF 46137R109 217 12,707 SH   SOLE   0 0 12,707
SPDR SER TR PORTFOLIO LN TSR 78464A664 9,357 199,473 SH   SOLE   0 0 199,473
SENSEONICS HLDGS INC COM 81727U105 4 10,000 SH   SOLE   0 0 10,000
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 222 2,827 SH   SOLE   0 0 2,827
INVESCO EXCH TRADED FD TR II PFD ETF 46138E511 5,193 367,741 SH   SOLE   0 0 367,741
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 43,539 428,784 SH   SOLE   0 0 428,784
SPDR SER TR S&P 400 MDCP VAL 78464A839 15,740 369,232 SH   SOLE   0 0 369,232
VANGUARD INDEX FDS SML CP GRW ETF 922908595 452 2,264 SH   SOLE   0 0 2,264
SPDR SER TR NUVEEN BRC MUNIC 78468R721 7,212 139,602 SH   SOLE   0 0 139,602
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 29,358 986,827 SH   SOLE   0 0 986,827
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771 47,624 1,292,714 SH   SOLE   0 0 1,292,714
INVESCO EXCHANGE TRADED FD T S&P500 EQL HLT 46137V332 4,117 18,527 SH   SOLE   0 0 18,527
TJX COS INC NEW COM 872540109 274 5,426 SH   SOLE   0 0 5,426
ISHARES TR RUS MDCP VAL ETF 464287473 1,887 24,663 SH   SOLE   0 0 24,663
GLOBE LIFE INC COM 37959E102 213 2,869 SH   SOLE   0 0 2,869
VANGUARD INDEX FDS SMALL CP ETF 922908751 1,259 8,643 SH   SOLE   0 0 8,643
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 1,819 35,144 SH   SOLE   0 0 35,144
INSULET CORP COM 45784P101 204 1,052 SH   SOLE   0 0 1,052
FACEBOOK INC CL A 30303M102 216 952 SH   SOLE   0 0 952
VIACOMCBS INC CL B 92556H206 272 11,661 SH   SOLE   0 0 11,661
VANGUARD INDEX FDS TOTAL STK MKT 922908769 5,698 36,403 SH   SOLE   0 0 36,403
INVESCO EXCH TRADED FD TR II FNDMNTL HY CRP 46138E719 3,852 212,805 SH   SOLE   0 0 212,805
SILK RD MED INC COM 82710M100 493 11,771 SH   SOLE   0 0 11,771
ISHARES TR IBOXX HI YD ETF 464288513 439 5,378 SH   SOLE   0 0 5,378
SPDR SER TR WELLS FG PFD ETF 78464A292 293 7,001 SH   SOLE   0 0 7,001
VANGUARD WORLD FD MEGA CAP INDEX 921910873 1,308 11,954 SH   SOLE   0 0 11,954
HOME DEPOT INC COM 437076102 216 861 SH   SOLE   0 0 861
ISHARES TR CORE US AGGBD ET 464287226 1,729 14,623 SH   SOLE   0 0 14,623
PROSHARES TR HGH YLD INT RATE 74348A541 475 8,169 SH   SOLE   0 0 8,169
INTERNATIONAL BUSINESS MACHS COM 459200101 325 2,694 SH   SOLE   0 0 2,694
3M CO COM 88579Y101 246 1,578 SH   SOLE   0 0 1,578
VERIZON COMMUNICATIONS INC COM 92343V104 735 13,326 SH   SOLE   0 0 13,326
LOCKHEED MARTIN CORP COM 539830109 243 667 SH   SOLE   0 0 667
SCHWAB STRATEGIC TR US TIPS ETF 808524870 3,272 54,522 SH   SOLE   0 0 54,522
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 336 1,187 SH   SOLE   0 0 1,187
T2 BIOSYSTEMS INC COM 89853L104 32 25,550 SH   SOLE   0 0 25,550
DYNATRACE INC COM 268150109 793 19,531 SH   SOLE   0 0 19,531
MICROSOFT CORP COM 594918104 766 3,766 SH   SOLE   0 0 3,766
WISDOMTREE TR HEDGED HI YLD BD 97717W430 8,062 400,409 SH   SOLE   0 0 400,409
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 57,551 776,661 SH   SOLE   0 0 776,661
ISHARES TR RUS 1000 GRW ETF 464287614 313 1,632 SH   SOLE   0 0 1,632
WISDOMTREE TR CBOE S&P 500 97717X560 3,101 123,841 SH   SOLE   0 0 123,841
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 1,535 45,887 SH   SOLE   0 0 45,887
FRANCO NEV CORP COM 351858105 318 2,278 SH   SOLE   0 0 2,278
DISNEY WALT CO COM DISNEY 254687106 2 200 SH Call SOLE   0 0 200
VERTEX PHARMACEUTICALS INC COM 92532F100 296 1,021 SH   SOLE   0 0 1,021
ALPHABET INC CAP STK CL C 02079K107 303 214 SH   SOLE   0 0 214
INVESCO EXCH TRADED FD TR II NATL AMT MUNI 46138E537 218 8,200 SH   SOLE   0 0 8,200
AGILENT TECHNOLOGIES INC COM 00846U101 239 2,706 SH   SOLE   0 0 2,706
ISHARES TR MSCI EAFE ETF 464287465 3,050 50,103 SH   SOLE   0 0 50,103
SPDR SER TR NUVEEN BLMBRG SR 78468R739 2,649 53,119 SH   SOLE   0 0 53,119
GLOBAL X FDS S&P 500 COVERED 37954Y475 4,688 110,350 SH   SOLE   0 0 110,350
ISHARES TR RUS MD CP GR ETF 464287481 1,758 11,121 SH   SOLE   0 0 11,121
CHEMED CORP NEW COM 16359R103 312 691 SH   SOLE   0 0 691
CLOVIS ONCOLOGY INC COM 189464100 118 17,532 SH   SOLE   0 0 17,532
QUIDEL CORP COM 74838J101 660 2,950 SH   SOLE   0 0 2,950
BIOGEN INC COM 09062X103 262 979 SH   SOLE   0 0 979
ISHARES TR CORE S&P500 ETF 464287200 3,206 10,352 SH   SOLE   0 0 10,352
SPDR SER TR PRTFLO S&P500 VL 78464A508 3,743 129,145 SH   SOLE   0 0 129,145
UNITED PARCEL SERVICE INC CL B 911312106 393 3,538 SH   SOLE   0 0 3,538
DBX ETF TR XTRACK MUN INFRA 233051705 2,338 82,575 SH   SOLE   0 0 82,575
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 869 16,052 SH   SOLE   0 0 16,052
SPDR SER TR S&P 400 MDCP GRW 78464A821 23,254 432,302 SH   SOLE   0 0 432,302
SPDR SER TR MSCI USA STRTGIC 78468R812 2,972 33,654 SH   SOLE   0 0 33,654
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 990 18,818 SH   SOLE   0 0 18,818
JOHNSON & JOHNSON COM 478160104 948 6,741 SH   SOLE   0 0 6,741
INVESCO EXCHANGE TRADED FD T S&P500 PUR GWT 46137V266 263 2,028 SH   SOLE   0 0 2,028
VANGUARD INDEX FDS SM CP VAL ETF 922908611 419 3,919 SH   SOLE   0 0 3,919
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 14,539 491,676 SH   SOLE   0 0 491,676
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 341 2,673 SH   SOLE   0 0 2,673