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
ABERDEEN STD GOLD ETF TR PHYSCL GOLD SHS 00326A104 2,006 132,453 SH   SOLE   0 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 1,700 82,186 SH   SOLE   0 0 0
SCHWAB STRATEGIC TR INTRM TRM TRES 808524854 2,199 37,412 SH   SOLE   0 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 6,575 254,476 SH   SOLE   0 0 0
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 7,066 136,597 SH   SOLE   0 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 19,663 325,399 SH   SOLE   0 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 496 11,042 SH   SOLE   0 0 0
SCHWAB STRATEGIC TR US REIT ETF 808524847 1,903 58,142 SH   SOLE   0 0 0
VANGUARD SCOTTSDALE FDS MORTG-BACK SEC 92206C771 2,058 37,776 SH   SOLE   0 0 0
DBX ETF TR XTRACK USD HIGH 233051432 1,062 24,110 SH   SOLE   0 0 0
INVESCO EXCHANGE-TRADED FD T S&P500 LOW VOL 46138E354 5,063 107,912 SH   SOLE   0 0 0
ADOBE INC COM 00724F101 829 2,607 SH   SOLE   0 0 0
APPLE INC COM 037833100 1,787 7,028 SH   SOLE   0 0 0
BOEING CO COM 097023105 921 6,176 SH   SOLE   0 0 0
COSTCO WHSL CORP NEW COM 22160K105 566 1,988 SH   SOLE   0 0 0
FACEBOOK INC CL A 30303M102 744 4,460 SH   SOLE   0 0 0
FEDEX CORP COM 31428X106 658 5,413 SH   SOLE   0 0 0
FIRST TR EXCHANGE-TRADED FD DJ INTERNT IDX 33733E302 1,095 8,858 SH   SOLE   0 0 0
FIRST TR EXCHANGE-TRADED FD NASD TECH DIV 33738R118 2,655 75,051 SH   SOLE   0 0 0
INTUIT COM 461202103 526 2,290 SH   SOLE   0 0 0
ISHARES TR MSCI MIN VOL ETF 46429B697 5,327 98,636 SH   SOLE   0 0 0
MASTERCARD INC CL A 57636Q104 933 3,865 SH   SOLE   0 0 0
MICROSOFT CORP COM 594918104 1,164 7,382 SH   SOLE   0 0 0
PAYPAL HLDGS INC COM 70450Y103 428 4,475 SH   SOLE   0 0 0
ROKU INC COM CL A 77543R102 342 3,918 SH   SOLE   0 0 0
SPDR SER TR AEROSPACE DEF 78464A631 949 12,485 SH   SOLE   0 0 0
SQUARE INC CL A 852234103 372 7,115 SH   SOLE   0 0 0
T MOBILE US INC COM 872590104 584 6,967 SH   SOLE   0 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 1,202 14,956 SH   SOLE   0 0 0
HOME DEPOT INC COM 437076102 360 1,929 SH   SOLE   0 0 0
DISNEY WALT CO COM DISNEY 254687106 674 6,981 SH   SOLE   0 0 0
UNITED PARCEL SERVICE INC CL B 911312106 457 4,901 SH   SOLE   0 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 566 10,545 SH   SOLE   0 0 0
VISA INC COM CL A 92826C839 958 5,950 SH   SOLE   0 0 0
WALMART INC COM 931142103 766 6,716 SH   SOLE   0 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 671 8,429 SH   SOLE   0 0 0
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 622 14,067 SH   SOLE   0 0 0
SPDR SER TR S&P 600 SMCP GRW 78464A201 247 5,351 SH   SOLE   0 0 0
SPDR SER TR S&P 600 SMCP VAL 78464A300 235 5,752 SH   SOLE   0 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 1,741 32,081 SH   SOLE   0 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870 388 6,749 SH   SOLE   0 0 0
ETF MANAGERS TR PRIME MOBILE PAY 26924G409 416 11,183 SH   SOLE   0 0 0
FIRST TR EXCHANGE-TRADED FD FST LOW OPPT EFT 33739Q200 317 6,220 SH   SOLE   0 0 0
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 1,099 12,411 SH   SOLE   0 0 0
ISHARES TR ULTR SH TRM BD 46434V878 2,467 49,401 SH   SOLE   0 0 0
ISHARES TR EXPANDED TECH 464287515 495 2,355 SH   SOLE   0 0 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2021 CB 46138J700 345 16,485 SH   SOLE   0 0 0
ALPHABET INC CAP STK CL C 02079K107 1,666 1,433 SH   SOLE   0 0 0
AMAZON COM INC COM 023135106 2,585 1,326 SH   SOLE   0 0 0
DOCUSIGN INC COM 256163106 572 6,192 SH   SOLE   0 0 0
INVESCO EXCHANGE-TRADED FD T S&P MIDCP LOW 46138E198 204 5,139 SH   SOLE   0 0 0
LULULEMON ATHLETICA INC COM 550021109 266 1,408 SH   SOLE   0 0 0
NETFLIX INC COM 64110L106 509 1,358 SH   SOLE   0 0 0
SALESFORCE COM INC COM 79466L302 401 2,792 SH   SOLE   0 0 0
TJX COS INC NEW COM 872540109 221 4,635 SH   SOLE   0 0 0
ISHARES TR ESG MSCI USA ETF 46435G425 209 3,638 SH   SOLE   0 0 0
INVESCO CURRENCYSHARES JAPAN JAPANESE YEN 46138W107 1,342 15,222 SH   SOLE   0 0 0
ISHARES TR MBS ETF 464288588 620 5,619 SH   SOLE   0 0 0
FIRST TR EXCHANGE-TRADED FD FIRST TR ENH NEW 33739Q408 690 11,695 SH   SOLE   0 0 0
ISHARES TR MIN VOL EAFE ETF 46429B689 512 8,267 SH   SOLE   0 0 0
HANCOCK JOHN PREM DIVID FD COM SH BEN INT 41013T105 153 12,615 SH   SOLE   0 0 0
SPDR GOLD TRUST GOLD SHS 78463V107 291 1,970 SH   SOLE   0 0 0
SOUTHWEST AIRLS CO COM 844741108 444 12,472 SH   SOLE   0 0 0
ISHARES TR S&P 500 GRWT ETF 464287309 215 1,305 SH   SOLE   0 0 0
JPMORGAN CHASE & CO COM 46625H100 307 3,420 SH   SOLE   0 0 0