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
ALPHABET INC CAP STK CL A CAP STK CL A 02079K305 231 80 SH   SOLE NONE 0 0 80
ALPS ETF TRUST EQUAL SECTOR WEIGHT ETF EQUAL SEC ETF 00162Q205 214 1,960 SH   SOLE NONE 0 0 1,960
AMAZON.COM INC COM 023135106 223 67 SH   SOLE NONE 0 0 67
ANNALY CAPITAL MANAGEMENT INC COM COM 035710409 303 38,809 SH   SOLE NONE 0 0 38,809
APPLE INC COM 037833100 1,004 5,659 SH   SOLE NONE 0 0 5,659
BERKSHIRE HATHAWAY INC CL B NEW 084670702 261 873 SH   SOLE NONE 0 0 873
BK OF AMERICA CORP COM COM 060505104 291 6,543 SH   SOLE NONE 0 0 6,543
BLACKSTONE MORTGAGE TRUST INC COM CL A 09257W100 317 10,384 SH   SOLE NONE 0 0 10,384
BROADCOM INC COM COM 11135F101 416 626 SH   SOLE NONE 0 0 626
BUTTERFLY NETWORK INC COM CL A COM CL A 124155102 224 33,535 SH   SOLE NONE 0 0 33,535
DISNEY WALT CO COM COM 254687106 227 1,471 SH   SOLE NONE 0 0 1,471
GENERAL DYNAMICS CORP COM 369550108 326 1,566 SH   SOLE NONE 0 0 1,566
HOME DEPOT INC COM 437076102 240 578 SH   SOLE NONE 0 0 578
INVESCO EXCH TRADED FD TR II PFD ETF PFD ETF 46138E511 299 19,958 SH   SOLE NONE 0 0 19,958
INVESCO QQQ TR UNIT SER 1 UNIT SER 1 46090E103 313 788 SH   SOLE NONE 0 0 788
ISHARES 0-5 YEAR TIPS BOND ETF 0-5 YR TIPS ETF 46429B747 2,648 25,010 SH   SOLE NONE 0 0 25,010
ISHARES CORE 1-5 YEAR USD BOND ETF CORE 1 5 YR USD 46432F859 3,153 62,537 SH   SOLE NONE 0 0 62,537
ISHARES CORE S&P SMALL-CAP E CORE S&P SCP ETF 464287804 12,308 107,121 SH   SOLE NONE 0 0 107,121
ISHARES CORE S&P TOTAL US STOCK MARKET ETF CORE S&P TTL STK 464287150 1,635 15,292 SH   SOLE NONE 0 0 15,292
ISHARES CORE S&P US VALUE ETF CORE S&P US VLU 464287663 2,658 34,818 SH   SOLE NONE 0 0 34,818
ISHARES CORE US AGGREGATE BOND ETF CORE US AGGBD ET 464287226 15,871 137,036 SH   SOLE NONE 0 0 137,036
ISHARES IBONDS DEC22 ETF 46434VBA7 2,515 100,062 SH   SOLE NONE 0 0 100,062
ISHARES IBONDS DEC2022 46435G755 450 17,294 SH   SOLE NONE 0 0 17,294
ISHARES IBONDS DEC23 ETF 46434VAX8 2,433 94,791 SH   SOLE NONE 0 0 94,791
ISHARES IBOXX INV CP ETF 464287242 3,040 22,305 SH   SOLE NONE 0 0 22,305
ISHARES INC CORE MSCI EMERGING MKTS ETF CORE MSCI EMKT 46434G103 7,550 125,858 SH   SOLE NONE 0 0 125,858
ISHARES INC MSCI EM ASIA ETF MSCI EM ASIA ETF 464286426 205 2,506 SH   SOLE NONE 0 0 2,506
ISHARES MSCI EAFE ETF MSCI EAFE ETF 464287465 780 9,925 SH   SOLE NONE 0 0 9,925
ISHARES NEW YORK MUNI BOND ETF NEW YORK MUN ETF 464288323 230 3,981 SH   SOLE NONE 0 0 3,981
ISHARES RUSSELL 1000 VALUE ETF RUS 1000 VAL ETF 464287598 709 4,223 SH   SOLE NONE 0 0 4,223
ISHARES RUSSELL 2000 ETF RUSSELL 2000 ETF 464287655 452 2,031 SH   SOLE NONE 0 0 2,031
ISHARES RUSSELL 2000 VALUE ETF RUS 2000 VAL ETF 464287630 737 4,442 SH   SOLE NONE 0 0 4,442
ISHARES RUSSELL MID-CAP VALUE ETF RUS MDCP VAL ETF 464287473 628 5,135 SH   SOLE NONE 0 0 5,135
ISHARES S&P 500 CORE S&P500 ETF 464287200 33,861 70,756 SH   SOLE NONE 0 0 70,756
ISHARES S&P 500 GROWTH ETF S&P 500 GRWT ETF 464287309 15,272 182,537 SH   SOLE NONE 0 0 182,537
ISHARES S&P 500 VALUE ETF S&P 500 VAL ETF 464287408 7,002 44,708 SH   SOLE NONE 0 0 44,708
ISHARES S&P MID-CAP 400 GROWTH ETF S&P MC 400GR ETF 464287606 5,132 60,202 SH   SOLE NONE 0 0 60,202
ISHARES S&P MIDCAP 400 INDEX FUND CORE S&P MCP ETF 464287507 10,918 38,429 SH   SOLE NONE 0 0 38,429
ISHARES S&P SMALLCAP 600 VALUE INDEX FUND SP SMCP600VL ETF 464287879 416 3,981 SH   SOLE NONE 0 0 3,981
ISHARES SELECT DIVIDEND ETF SELECT DIVID ETF 464287168 3,099 25,284 SH   SOLE NONE 0 0 25,284
ISHARES SHORT-TERM NATIONAL MUNI BOND ETF SHRT NAT MUN ETF 464288158 1,108 10,323 SH   SOLE NONE 0 0 10,323
ISHARES TIPS BOND ETF TIPS BD ETF 464287176 4,743 36,344 SH   SOLE NONE 0 0 36,344
ISHARES TR CORE MSCI TOTAL CORE MSCI TOTAL 46432F834 2,560 36,092 SH   SOLE NONE 0 0 36,092
ISHARES TR EAFE GRWTH ETF EAFE GRWTH ETF 464288885 757 6,869 SH   SOLE NONE 0 0 6,869
ISHARES TR EAFE SML CP ETF EAFE SML CP ETF 464288273 4,633 63,288 SH   SOLE NONE 0 0 63,288
ISHARES TR EXPND TEC SC ETF EXPND TEC SC ETF 464287549 232 530 SH   SOLE NONE 0 0 530
ISHARES TR FLTG RATE NT ETF FLTG RATE NT ETF 46429B655 3,214 63,357 SH   SOLE NONE 0 0 63,357
ISHARES TR IBONDS DEC 46435U697 229 8,559 SH   SOLE NONE 0 0 8,559
ISHARES TR IBONDS DEC2023 46435G318 783 30,212 SH   SOLE NONE 0 0 30,212
ISHARES TR IBOXX HI YD ETF IBOXX HI YD ETF 464288513 517 5,950 SH   SOLE NONE 0 0 5,950
ISHARES TR INTL SEL DIV ETF INTL SEL DIV ETF 464288448 271 8,693 SH   SOLE NONE 0 0 8,693
ISHARES ISHS 1-5YR INVS 464288646 1,629 30,244 SH   SOLE NONE 0 0 30,244
ISHARES TR MSCI ACWI EX US MSCI ACWI EX US 464288240 401 7,218 SH   SOLE NONE 0 0 7,218
ISHARES TR MSCI EAFE MIN VL MSCI EAFE MIN VL 46429B689 782 10,195 SH   SOLE NONE 0 0 10,195
ISHARES TR PFD AND INCM SEC PFD AND INCM SEC 464288687 1,146 29,081 SH   SOLE NONE 0 0 29,081
ISHARES TR RUS 1000 GRW ETF RUS 1000 GRW ETF 464287614 1,730 5,663 SH   SOLE NONE 0 0 5,663
ISHARES TR RUS 2000 GRW ETF RUS 2000 GRW ETF 464287648 831 2,838 SH   SOLE NONE 0 0 2,838
ISHARES TR RUS MD CP GR ETF RUS MD CP GR ETF 464287481 203 1,765 SH   SOLE NONE 0 0 1,765
ISHARES TR S&P SMALL CAP 600 GROWTH ETF S&P SML 600 GWT 464287887 4,688 33,775 SH   SOLE NONE 0 0 33,775
ISHARES 0-5YR HI YL CP 46434V407 1,485 32,783 SH   SOLE NONE 0 0 32,783
ISHARES TRUST CORE DIVID GWTH CORE DIV GRWTH 46434V621 3,183 57,269 SH   SOLE NONE 0 0 57,269
ISHARES TRUST CORE MSCI EAFE ETF CORE MSCI EAFE 46432F842 12,850 171,551 SH   SOLE NONE 0 0 171,551
ISHARES TRUST S & P MID CAPITAL S&P MC 400VL ETF 464287705 1,863 16,840 SH   SOLE NONE 0 0 16,840
ISHARES U S REAL ESTATE ETF U.S. REAL ES ETF 464287739 4,389 37,654 SH   SOLE NONE 0 0 37,654
ISHARES U.S. HEALTHCARE ETF US HLTHCARE ETF 464287762 539 1,796 SH   SOLE NONE 0 0 1,796
JOHNSON &JOHNSON COM 478160104 302 1,769 SH   SOLE NONE 0 0 1,769
JPMORGAN CHASE & CO COM 46625H100 63,410 400,443 SH   SOLE NONE 0 0 400,443
LAM RESEARCH CORP COM 512807108 314 436 SH   SOLE NONE 0 0 436
MFA FINANCIAL INC COM 55272X102 259 56,806 SH   SOLE NONE 0 0 56,806
MICROSOFT CORP COM 594918104 1,031 3,068 SH   SOLE NONE 0 0 3,068
NETFLIX INC COM 64110L106 297 494 SH   SOLE NONE 0 0 494
PFIZER INC COM 717081103 208 3,527 SH   SOLE NONE 0 0 3,527
PROCTER AND GAMBLE CO COM COM 742718109 648 3,967 SH   SOLE NONE 0 0 3,967
QUANTUM SI INC COM CL A COM CL A 74765K105 202 25,742 SH   SOLE NONE 0 0 25,742
SELECT SECTOR SPDR TR FINANCIAL FINANCIAL 81369Y605 521 13,364 SH   SOLE NONE 0 0 13,364
SELECT SECTOR SPDR TRUST TECHNOLOGY SELECT SECTOR USD DIS TECHNOLOGY 81369Y803 347 1,997 SH   SOLE NONE 0 0 1,997
SPDR S&P MIDCAP 400 ETF UTSER1 S&PDCRP 78467Y107 242 468 SH   SOLE NONE 0 0 468
SPDR S&P500 ETF TRUST TRUST UNIT DEPOSITARY RECEIPT TR UNIT 78462F103 3,789 7,979 SH   SOLE NONE 0 0 7,979
VANGUARD CHARLOTTE TOTAL INTL BD INDEX FD ETF TOTAL INT BD ETF 92203J407 2,187 39,657 SH   SOLE NONE 0 0 39,657
VANGUARD INTL EQUITY INDEX FDS FTSE SMCAP ETF FTSE SMCAP ETF 922042718 337 2,519 SH   SOLE NONE 0 0 2,519
VANGUARD MID-CAP VALUE INDEX FUND MCAP VL IDXVIP 922908512 866 5,764 SH   SOLE NONE 0 0 5,764
VANGUARD REAL ESTATE ETF REAL ESTATE ETF 922908553 763 6,577 SH   SOLE NONE 0 0 6,577
VANGUARD RUSSELL 2000 ETF VNG RUS2000IDX 92206C664 703 7,834 SH   SOLE NONE 0 0 7,834
VANGUARD SCOTTSDALE FDS INTER TERM TREAS INTER TERM TREAS 92206C706 672 10,121 SH   SOLE NONE 0 0 10,121
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF MTG-BKD SECS ETF 92206C771 1,612 30,515 SH   SOLE NONE 0 0 30,515
VANGUARD SHORT TERM TREASURY ETF SHORT TERM TREAS 92206C102 407 6,691 SH   SOLE NONE 0 0 6,691
VANGUARD SMALL CAP VALUE ETF SM CP VAL ETF 922908611 1,475 8,248 SH   SOLE NONE 0 0 8,248
VANGUARD UTILITIES ETF UTILITIES ETF 92204A876 1,771 11,323 SH   SOLE NONE 0 0 11,323
VANGUARD WHITEHALL FDS HIGH DIV YLD HIGH DIV YLD 921946406 249 2,228 SH   SOLE NONE 0 0 2,228