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   365,888 3,481 SH   SOLE   3,481 0 0
ABBOTT LABS COM 002824100   210,986 2,084 SH   SOLE   2,084 0 0
ABBVIE INC COM 00287Y109   1,040,049 6,526 SH   SOLE   6,526 0 0
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   206,069 721 SH   SOLE   721 0 0
ALPHABET INC CAP STK CL A 02079K305   405,066 3,905 SH   SOLE   3,905 0 0
ALPHABET INC CAP STK CL C 02079K107   218,400 2,100 SH   SOLE   2,100 0 0
AMGEN INC COM 031162100   300,495 1,243 SH   SOLE   1,243 0 0
APPLE INC COM 037833100   16,791,974 101,831 SH   SOLE   101,831 0 0
AT&T INC COM 00206R102   319,410 16,593 SH   SOLE   16,593 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103   261,590 1,175 SH   SOLE   1,175 0 0
BROADCOM INC COM 11135F101   403,529 629 SH   SOLE   629 0 0
CATERPILLAR INC COM 149123101   376,442 1,645 SH   SOLE   1,645 0 0
CHEVRON CORP NEW COM 166764100   538,917 3,303 SH   SOLE   3,303 0 0
CISCO SYS INC COM 17275R102   713,972 13,658 SH   SOLE   13,658 0 0
COCA COLA CO COM 191216100   308,413 4,972 SH   SOLE   4,972 0 0
COMCAST CORP NEW CL A 20030N101   268,365 7,079 SH   SOLE   7,079 0 0
COMMERCIAL METALS CO COM 201723103   244,549 5,001 SH   SOLE   5,001 0 0
COSTCO WHSL CORP NEW COM 22160K105   628,541 1,265 SH   SOLE   1,265 0 0
DIREXION SHS ETF TR NAS100 EQL WGT 25459Y207   331,771 4,573 SH   SOLE   4,573 0 0
EMERSON ELEC CO COM 291011104   237,718 2,728 SH   SOLE   2,728 0 0
EXXON MOBIL CORP COM 30231G102   890,439 8,120 SH   SOLE   8,120 0 0
GILEAD SCIENCES INC COM 375558103   325,989 3,929 SH   SOLE   3,929 0 0
GLOBAL X FDS RATE PREFERRED 37954Y376   1,957,362 85,624 SH   SOLE   85,624 0 0
GROUP 1 AUTOMOTIVE INC COM 398905109   227,552 1,005 SH   SOLE   1,005 0 0
HOME DEPOT INC COM 437076102   852,011 2,887 SH   SOLE   2,887 0 0
INDEXIQ ACTIVE ETF TR IQ MACKAY INSRED 45409F843   2,195,896 89,922 SH   SOLE   89,922 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101   296,657 2,263 SH   SOLE   2,263 0 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2023 CB 46138J866   222,183 10,540 SH   SOLE   10,540 0 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2027 MUNI 46138J494   529,270 22,173 SH   SOLE   22,173 0 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2024 MUNI 46138J536   566,665 22,761 SH   SOLE   22,761 0 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2026 MUNI 46138J510   512,047 21,524 SH   SOLE   21,524 0 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2023 MUNI 46138J544   568,164 22,636 SH   SOLE   22,636 0 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2025 MUNI 46138J528   532,346 21,693 SH   SOLE   21,693 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   469,292 3,245 SH   SOLE   3,245 0 0
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613   590,590 3,767 SH   SOLE   3,767 0 0
INVESCO QQQ TR UNIT SER 1 46090E103   241,981 754 SH   SOLE   754 0 0
ISHARES TR MSCI EAFE ETF 464287465   24,596,295 343,908 SH   SOLE   343,908 0 0
ISHARES TR MSCI USA QLT FCT 46432F339   541,544 4,365 SH   SOLE   4,365 0 0
ISHARES TR RUS 1000 VAL ETF 464287598   28,722,789 188,643 SH   SOLE   188,643 0 0
ISHARES TR CORE S&P MCP ETF 464287507   304,195 1,216 SH   SOLE   1,216 0 0
ISHARES TR MSCI EMG MKT ETF 464287234   4,037,296 102,314 SH   SOLE   102,314 0 0
ISHARES TR RUS 2000 VAL ETF 464287630   399,961 2,919 SH   SOLE   2,919 0 0
ISHARES TR S&P 100 ETF 464287101   456,939 2,443 SH   SOLE   2,443 0 0
ISHARES TR SHORT TREAS BD 464288679   8,600,668 77,834 SH   SOLE   77,834 0 0
ISHARES TR RUS 1000 GRW ETF 464287614   31,450,590 128,722 SH   SOLE   128,722 0 0
ISHARES TR CORE S&P500 ETF 464287200   1,893,876 4,607 SH   SOLE   4,607 0 0
ISHARES TR RUSSELL 2000 ETF 464287655   16,304,707 91,394 SH   SOLE   91,394 0 0
ISHARES TR NATIONAL MUN ETF 464288414   2,662,858 24,716 SH   SOLE   24,716 0 0
ISHARES TR CORE S&P SCP ETF 464287804   297,933 3,081 SH   SOLE   3,081 0 0
JOHNSON & JOHNSON COM 478160104   979,600 6,320 SH   SOLE   6,320 0 0
JPMORGAN CHASE & CO COM 46625H100   1,221,396 9,373 SH   SOLE   9,373 0 0
LAZARD LTD SHS A G54050102   1,614,510 48,762 SH   SOLE   48,762 0 0
LILLY ELI & CO COM 532457108   276,453 805 SH   SOLE   805 0 0
LOCKHEED MARTIN CORP COM 539830109   521,421 1,103 SH   SOLE   1,103 0 0
LOWES COS INC COM 548661107   369,145 1,846 SH   SOLE   1,846 0 0
MCDONALDS CORP COM 580135101   286,321 1,024 SH   SOLE   1,024 0 0
MERCK & CO INC COM 58933Y105   674,765 6,342 SH   SOLE   6,342 0 0
MICROSOFT CORP COM 594918104   1,068,377 3,706 SH   SOLE   3,706 0 0
NIKE INC CL B 654106103   238,657 1,946 SH   SOLE   1,946 0 0
NVIDIA CORPORATION COM 67066G104   252,771 910 SH   SOLE   910 0 0
ORACLE CORP COM 68389X105   224,123 2,412 SH   SOLE   2,412 0 0
PEPSICO INC COM 713448108   487,653 2,675 SH   SOLE   2,675 0 0
PFIZER INC COM 717081103   443,088 10,860 SH   SOLE   10,860 0 0
PIMCO ETF TR MUNI INCOME OPP 72201R635   3,474,675 78,188 SH   SOLE   78,188 0 0
PROCTER AND GAMBLE CO COM 742718109   791,415 5,323 SH   SOLE   5,323 0 0
QUALCOMM INC COM 747525103   362,072 2,838 SH   SOLE   2,838 0 0
RELIANCE STEEL & ALUMINUM CO COM 759509102   275,225 1,072 SH   SOLE   1,072 0 0
SANMINA CORPORATION COM 801056102   236,824 3,883 SH   SOLE   3,883 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   267,590 1,772 SH   SOLE   1,772 0 0
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109   518,970 1,560 SH   SOLE   1,560 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   7,098,766 17,340 SH   SOLE   17,340 0 0
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   1,429,181 3,118 SH   SOLE   3,118 0 0
SPDR SER TR PORTFOLI S&P1500 78464A805   289,115 5,733 SH   SOLE   5,733 0 0
SPDR SER TR BBG CONV SEC ETF 78464A359   8,065,599 120,256 SH   SOLE   120,256 0 0
SPDR SER TR BLOOMBERG 1-3 MO 78468R663   6,397,467 69,674 SH   SOLE   69,674 0 0
SPDR SER TR S&P 600 SML CAP 78464A813   1,516,666 18,049 SH   SOLE   18,049 0 0
SPDR SER TR NUVEEN BLMBRG SH 78468R739   5,620,554 118,203 SH   SOLE   118,203 0 0
TEXAS INSTRS INC COM 882508104   1,170,282 6,292 SH   SOLE   6,292 0 0
THE CIGNA GROUP COM 125523100   458,676 1,795 SH   SOLE   1,795 0 0
UNITEDHEALTH GROUP INC COM 91324P102   1,125,709 2,382 SH   SOLE   2,382 0 0
US BANCORP DEL COM NEW 902973304   275,206 7,634 SH   SOLE   7,634 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   263,632 3,571 SH   SOLE   3,571 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   222,715 2,682 SH   SOLE   2,682 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629   626,882 2,972 SH   SOLE   2,972 0 0
VANGUARD INDEX FDS VALUE ETF 922908744   264,895 1,918 SH   SOLE   1,918 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   452,642 11,204 SH   SOLE   11,204 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   14,770,957 193,768 SH   SOLE   193,768 0 0
VANGUARD SCOTTSDALE FDS VNG RUS3000IDX 92206C599   348,270 1,900 SH   SOLE   1,900 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   3,135,114 69,407 SH   SOLE   69,407 0 0
VERIZON COMMUNICATIONS INC COM 92343V104   301,942 7,764 SH   SOLE   7,764 0 0
VISA INC COM CL A 92826C839   535,693 2,376 SH   SOLE   2,376 0 0
WALGREENS BOOTS ALLIANCE INC COM 931427108   279,476 8,082 SH   SOLE   8,082 0 0
WALMART INC COM 931142103   266,295 1,806 SH   SOLE   1,806 0 0