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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
3M CO COM 88579Y101   1,081,786 6,189 SH   SOLE   5,044 0 1,145
ABBOTT LABS COM 002824100   254,785 2,327 SH   SOLE   2,202 0 125
ABBVIE INC COM 00287Y109   2,131,682 19,894 SH   SOLE   17,473 0 2,421
AMGEN INC COM 031162100   2,579,344 11,218 SH   SOLE   9,621 0 1,597
APPLE HOSPITALITY REIT INC COM NEW 03784Y200   213,609 16,546 SH   SOLE   16,546 0 0
APPLE INC COM 037833100   353,498 2,664 SH   SOLE   914 0 1,750
BLACKROCK INC COM 09247X101   1,839,161 2,549 SH   SOLE   1,913 0 636
BLACKROCK MUNIASSETS FD INC COM 09254J102   1,855,952 126,427 SH   SOLE   79,199 0 47,228
CISCO SYS INC COM 17275R102   1,914,781 42,788 SH   SOLE   36,449 0 6,339
COCA COLA CO COM 191216100   255,666 4,662 SH   SOLE   4,662 0 0
CSX CORP COM 126408103   205,549 2,265 SH   SOLE   2,265 0 0
DBX ETF TR XTRACK MSCI EAFE 233051200   947,647 28,195 SH   SOLE   20,624 0 7,571
DBX ETF TR XTRACK MSCI EURP 233051853   388,642 12,989 SH   SOLE   6,089 0 6,900
DIAMOND HILL INVT GROUP INC COM NEW 25264R207   1,767,058 11,838 SH   SOLE   10,576 0 1,262
DISNEY WALT CO COM 254687106   245,901 1,357 SH   SOLE   682 0 675
EAST WEST BANCORP INC COM 27579R104   274,226 5,408 SH   SOLE   4,546 0 862
INTEL CORP COM 458140100   261,306 5,245 SH   SOLE   4,870 0 375
INVESCO EXCH TRADED FD TR II S&P INTL LOW 46138E230   1,070,843 35,707 SH   SOLE   26,135 0 9,572
INVESCO MUNI INCOME OPP TRST COM 46132X101   1,380,203 174,931 SH   SOLE   128,830 0 46,101
ISHARES TR CORE MSCI EAFE 46432F842   508,770 7,364 SH   SOLE   5,334 0 2,030
ISHARES TR CORE S&P500 ETF 464287200   4,267,726 11,369 SH   SOLE   11,273 0 96
ISHARES TR CORE US AGGBD ET 464287226   1,355,882 11,472 SH   SOLE   11,472 0 0
ISHARES TR EAFE SML CP ETF 464288273   1,369,930 20,043 SH   SOLE   16,498 0 3,545
ISHARES TR HDG MSCI EAFE 46434V803   926,955 30,422 SH   SOLE   19,348 0 11,074
ISHARES TR MICRO-CAP ETF 464288869   277,641 2,340 SH   SOLE   1,840 0 500
ISHARES TR MSCI EAFE MIN VL 46429B689   4,411,681 60,096 SH   SOLE   54,876 0 5,220
ISHARES TR MSCI EAFE SMCP 46435G839   4,484,314 139,297 SH   SOLE   122,192 0 17,105
ISHARES TR MSCI USA MIN VOL 46429B697   2,623,551 38,650 SH   SOLE   36,518 0 2,132
ISHARES TR MSCI USA SMCP MN 46435G433   945,272 27,892 SH   SOLE   23,412 0 4,480
ISHARES TR RUS 1000 GRW ETF 464287614   352,235 1,461 SH   SOLE   1,446 0 15
ISHARES TR RUS 1000 VAL ETF 464287598   427,402 3,126 SH   SOLE   3,097 0 29
ISHARES TR RUS 2000 VAL ETF 464287630   818,597 6,213 SH   SOLE   5,036 0 1,177
ISHARES TR RUS MDCP VAL ETF 464287473   1,277,810 13,179 SH   SOLE   11,846 0 1,333
JOHNSON & JOHNSON COM 478160104   205,381 1,305 SH   SOLE   1,055 0 250
KANSAS CITY SOUTHERN COM NEW 485170302   3,462,675 16,963 SH   SOLE   13,526 0 3,437
LOWES COS INC COM 548661107   5,030,123 31,338 SH   SOLE   26,023 0 5,315
MASTERCARD INCORPORATED CL A 57636Q104   5,766,202 16,155 SH   SOLE   12,234 0 3,921
MERCK & CO. INC COM 58933Y105   752,118 9,195 SH   SOLE   5,948 0 3,247
MICROSOFT CORP COM 594918104   1,167,024 5,247 SH   SOLE   2,198 0 3,049
MORNINGSTAR INC COM 617700109   985,805 4,257 SH   SOLE   2,734 0 1,523
OREILLY AUTOMOTIVE INC COM 67103H107   330,376 730 SH   SOLE   730 0 0
PAYCHEX INC COM 704326107   393,931 4,228 SH   SOLE   2,628 0 1,600
PIMCO ETF TR ENHAN SHRT MA AC 72201R833   1,458,387 14,292 SH   SOLE   14,177 0 115
ROSS STORES INC COM 778296103   1,438,596 11,714 SH   SOLE   10,404 0 1,310
SCHWAB STRATEGIC TR INTRM TRM TRES 808524854   1,885,211 32,381 SH   SOLE   29,495 0 2,886
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   1,454,714 25,963 SH   SOLE   21,997 0 3,966
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   6,698,003 104,428 SH   SOLE   89,779 0 14,649
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   392,793 3,059 SH   SOLE   2,296 0 763
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   4,242,401 46,645 SH   SOLE   37,784 0 8,861
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   804,821 11,804 SH   SOLE   9,179 0 2,625
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   2,720,095 30,563 SH   SOLE   27,691 0 2,872
SPDR INDEX SHS FDS DJ GLB RL ES ETF 78463X749   338,673 7,617 SH   SOLE   7,008 0 609
SPDR INDEX SHS FDS S&P INTL SMLCP 78463X871   304,136 8,589 SH   SOLE   7,989 0 600
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   388,846 926 SH   SOLE   926 0 0
SPDR SER TR PORTFLI INTRMDIT 78464A672   502,868 15,211 SH   SOLE   14,725 0 486
SPDR SER TR PRTFLO S&P500 GW 78464A409   230,111 4,162 SH   SOLE   4,132 0 30
SPDR SER TR PRTFLO S&P500 VL 78464A508   209,917 6,104 SH   SOLE   6,104 0 0
SPDR SER TR RUSSELL LOW VOL 78468R754   2,384,177 26,556 SH   SOLE   19,328 0 7,228
SPDR SER TR S&P DIVID ETF 78464A763   2,820,206 26,623 SH   SOLE   23,450 0 3,173
SPDR SER TR SSGA US LRG ETF 78468R804   662,164 5,520 SH   SOLE   4,401 0 1,119
SPDR SER TR SSGA US SMAL ETF 78468R887   933,265 9,752 SH   SOLE   7,870 0 1,882
STATE STR CORP COM 857477103   1,437,255 19,748 SH   SOLE   17,142 0 2,606
TCW STRATEGIC INCOME FD INC COM 872340104   3,129,558 550,010 SH   SOLE   499,936 0 50,074
US BANCORP DEL COM NEW 902973304   612,823 13,154 SH   SOLE   13,154 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   1,659,319 18,815 SH   SOLE   18,232 0 583
VANGUARD INDEX FDS EXTEND MKT ETF 922908652   1,378,930 8,373 SH   SOLE   7,541 0 832
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   3,549,867 29,841 SH   SOLE   27,546 0 2,295
VANGUARD INDEX FDS SM CP VAL ETF 922908611   3,944,284 27,736 SH   SOLE   25,593 0 2,143
VANGUARD INDEX FDS SMALL CP ETF 922908751   308,373 1,584 SH   SOLE   1,584 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769   541,222 2,781 SH   SOLE   2,781 0 0
VANGUARD INDEX FDS VALUE ETF 922908744   244,209 2,053 SH   SOLE   1,853 0 200
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858   1,902,302 40,294 SH   SOLE   37,659 0 2,635
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   259,911 2,840 SH   SOLE   2,840 0 0
VIATRIS INC COM 92556V106   709,496 37,860 SH   SOLE   32,830 0 5,030
VISA INC COM CL A 92826C839   5,864,881 26,813 SH   SOLE   21,615 0 5,198
WISDOMTREE TR INTL EQUITY FD 97717W703   296,894 5,864 SH   SOLE   3,154 0 2,710
WISDOMTREE TR ITL HDG QTLY DIV 97717X594   6,496,894 165,231 SH   SOLE   151,190 0 14,041
WISDOMTREE TR US MIDCAP DIVID 97717W505   384,092 11,034 SH   SOLE   3,784 0 7,250