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
PFIZER INC COM 717081103 258 6,038 SH   SOLE   0 0 6,038
SPDR SER TR BLMBRG BRC CNVRT 78464A359 9,929 115,332 SH   SOLE   0 0 115,332
ISHARES TR SHRT NAT MUN ETF 464288158 218 2,021 SH   SOLE   0 0 2,021
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 22,432 146,521 SH   SOLE   0 0 146,521
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 7,497 241,136 SH   SOLE   0 0 241,136
GENERAL ELECTRIC CO COM 369604103 141 10,593 SH   SOLE   0 0 10,593
ISHARES TR NATIONAL MUN ETF 464288414 8,206 69,734 SH   SOLE   0 0 69,734
DRAFTKINGS INC COM CL A 26142R104 250 5,026 SH   SOLE   0 0 5,026
DISNEY WALT CO COM 254687106 537 3,009 SH   SOLE   0 0 3,009
SPDR S&P 500 ETF TR TR UNIT 78462F103 733 1,662 SH   SOLE   0 0 1,662
CHOICE HOTELS INTL INC COM 169905106 316 2,618 SH   SOLE   0 0 2,618
AON PLC SHS CL A G0403H108 756 2,865 SH   SOLE   0 0 2,865
GOLDMAN SACHS ETF TR ACTIVEBETA US LG 381430503 2,278 25,676 SH   SOLE   0 0 25,676
BK OF AMERICA CORP COM 060505104 376 9,722 SH   SOLE   0 0 9,722
ANNALY CAPITAL MANAGEMENT IN COM 035710409 361 41,928 SH   SOLE   0 0 41,928
AMERICAN EXPRESS CO COM 025816109 1,115 6,487 SH   SOLE   0 0 6,487
SPDR SER TR ICE PFD SEC ETF 78464A292 269 6,160 SH   SOLE   0 0 6,160
INVESCO EXCHANGE TRADED FD T S&P500 EQL IND 46137V324 300 1,582 SH   SOLE   0 0 1,582
INDEXIQ ETF TR IQ MRGR ARB ETF 45409B800 591 17,754 SH   SOLE   0 0 17,754
STATE STR CORP COM 857477103 551 6,265 SH   SOLE   0 0 6,265
SELECT SECTOR SPDR TR ENERGY 81369Y506 209 4,166 SH   SOLE   0 0 4,166
VANGUARD SCOTTSDALE FDS VNG RUS1000GRW 92206C680 1,033 14,221 SH   SOLE   0 0 14,221
NEXTERA ENERGY INC COM 65339F101 305 3,899 SH   SOLE   0 0 3,899
UNION PAC CORP COM 907818108 242 1,115 SH   SOLE   0 0 1,115
AMPLIFY ETF TR CWP ENHANCED DIV 032108409 1,181 32,254 SH   SOLE   0 0 32,254
AT&T INC COM 00206R102 624 22,058 SH   SOLE   0 0 22,058
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763 12,628 236,745 SH   SOLE   0 0 236,745
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109 516 1,470 SH   SOLE   0 0 1,470
LOWES COS INC COM 548661107 257 1,327 SH   SOLE   0 0 1,327
REGENERON PHARMACEUTICALS COM 75886F107 1,951 3,345 SH   SOLE   0 0 3,345
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730 19,833 628,229 SH   SOLE   0 0 628,229
APPLE INC COM 037833100 6,546 44,948 SH   SOLE   0 0 44,948
DISNEY WALT CO COM 254687106 10 200 SH Call SOLE   0 0 200
AMAZON COM INC COM 023135106 2,092 581 SH   SOLE   0 0 581
INVESCO EXCH TRADED FD TR II EMRNG MKT SVRG 46138E784 399 14,474 SH   SOLE   0 0 14,474
ISHARES TR EAFE SML CP ETF 464288273 2,260 29,791 SH   SOLE   0 0 29,791
VANGUARD WORLD FDS INDUSTRIAL ETF 92204A603 206 1,044 SH   SOLE   0 0 1,044
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 610 7,404 SH   SOLE   0 0 7,404
PROCTER AND GAMBLE CO COM 742718109 394 2,821 SH   SOLE   0 0 2,821
BOEING CO COM 097023105 386 1,665 SH   SOLE   0 0 1,665
CINCINNATI FINL CORP COM 172062101 292 2,484 SH   SOLE   0 0 2,484
HEPION PHARMACEUTICALS INC COM 426897104 86 55,978 SH   SOLE   0 0 55,978
PIMCO ETF TR INV GRD CRP BD 72201R817 10,939 94,564 SH   SOLE   0 0 94,564
ORACLE CORP COM 68389X105 496 5,655 SH   SOLE   0 0 5,655
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 2,053 20,138 SH   SOLE   0 0 20,138
LEAP THERAPEUTICS INC COM 52187K101 51 36,000 SH   SOLE   0 0 36,000
SCHWAB STRATEGIC TR INTRM TRM TRES 808524854 9,569 166,703 SH   SOLE   0 0 166,703
WORLD GOLD TR SPDR GLD MINIS 98149E204 182 10,024 SH   SOLE   0 0 10,024
MODERNA INC COM 60770K107 832 2,406 SH   SOLE   0 0 2,406
ISHARES TR RUS 2000 VAL ETF 464287630 330 2,048 SH   SOLE   0 0 2,048
VANGUARD INDEX FDS GROWTH ETF 922908736 636 2,133 SH   SOLE   0 0 2,133
NIKE INC CL B 654106103 425 2,544 SH   SOLE   0 0 2,544
ISHARES TR JPMORGAN USD EMG 464288281 280 2,493 SH   SOLE   0 0 2,493
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 66,645 1,211,073 SH   SOLE   0 0 1,211,073
INTEL CORP COM 458140100 303 5,634 SH   SOLE   0 0 5,634
US BANCORP DEL COM NEW 902973304 451 7,986 SH   SOLE   0 0 7,986
WALMART INC COM 931142103 273 1,923 SH   SOLE   0 0 1,923
CINTAS CORP COM 172908105 345 878 SH   SOLE   0 0 878
INVESCO INDIA EXCHANGE-TRADE INDIA ETF 46137R109 2,201 84,389 SH   SOLE   0 0 84,389
SPDR SER TR S&P 600 SMCP VAL 78464A300 8,733 105,682 SH   SOLE   0 0 105,682
ISHARES TR CORE MSCI TOTAL 46432F834 1,773 24,335 SH   SOLE   0 0 24,335
DOW INC COM 260557103 451 7,198 SH   SOLE   0 0 7,198
COMCAST CORP NEW CL A 20030N101 425 7,310 SH   SOLE   0 0 7,310
SPDR SER TR S&P 600 SMCP GRW 78464A201 6,785 76,758 SH   SOLE   0 0 76,758
CISCO SYS INC COM 17275R102 720 13,079 SH   SOLE   0 0 13,079
BRISTOL-MYERS SQUIBB CO COM 110122108 471 6,915 SH   SOLE   0 0 6,915
EXXON MOBIL CORP COM 30231G102 403 6,842 SH   SOLE   0 0 6,842
ABBVIE INC COM 00287Y109 1,831 15,400 SH   SOLE   0 0 15,400
ISHARES INC CORE MSCI EMKT 46434G103 507 7,957 SH   SOLE   0 0 7,957
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 414 1,479 SH   SOLE   0 0 1,479
SPDR SER TR NUVEEN BBG BRCLY 78464A284 3,036 49,749 SH   SOLE   0 0 49,749
AMPLIFY ETF TR BLACKSWAN GRWT 032108888 5,000 141,444 SH   SOLE   0 0 141,444
ALIBABA GROUP HLDG LTD SPONSORED ADS 01609W102 261 1,323 SH   SOLE   0 0 1,323
SPDR SER TR PORTFOLIO LN TSR 78464A664 17,280 406,212 SH   SOLE   0 0 406,212
VANGUARD INDEX FDS VALUE ETF 922908744 363 2,600 SH   SOLE   0 0 2,600
SENSEONICS HLDGS INC COM 81727U105 76 25,000 SH   SOLE   0 0 25,000
INVESCO EXCH TRADED FD TR II PFD ETF 46138E511 8,257 544,996 SH   SOLE   0 0 544,996
TRIMBLE INC COM 896239100 584 6,830 SH   SOLE   0 0 6,830
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 515 3,226 SH   SOLE   0 0 3,226
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 90,957 598,244 SH   SOLE   0 0 598,244
VISA INC COM CL A 92826C839 282 1,136 SH   SOLE   0 0 1,136
CORBUS PHARMACEUTICALS HLDGS COM 21833P103 14 10,005 SH   SOLE   0 0 10,005
PPL CORP COM 69351T106 214 7,470 SH   SOLE   0 0 7,470
VANGUARD INDEX FDS MID CAP ETF 922908629 348 1,443 SH   SOLE   0 0 1,443
SPDR SER TR S&P 400 MDCP VAL 78464A839 22,683 335,352 SH   SOLE   0 0 335,352
VANGUARD INDEX FDS SML CP GRW ETF 922908595 4,551 15,872 SH   SOLE   0 0 15,872
SPDR SER TR NUVEEN BRC MUNIC 78468R721 12,322 235,196 SH   SOLE   0 0 235,196
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 63,051 1,582,991 SH   SOLE   0 0 1,582,991
ISHARES TR CONV BD ETF 46435G102 255 2,534 SH   SOLE   0 0 2,534
FS KKR CAP CORP COM 302635206 215 10,228 SH   SOLE   0 0 10,228
SPDR SER TR S&P BIOTECH 78464A870 1,517 12,122 SH   SOLE   0 0 12,122
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771 93,092 1,689,513 SH   SOLE   0 0 1,689,513
INVESCO EXCHANGE TRADED FD T S&P500 EQL HLT 46137V332 4,843 15,749 SH   SOLE   0 0 15,749
TJX COS INC NEW COM 872540109 382 5,556 SH   SOLE   0 0 5,556
ISHARES TR RUS MDCP VAL ETF 464287473 3,920 33,780 SH   SOLE   0 0 33,780
GLOBE LIFE INC COM 37959E102 270 2,869 SH   SOLE   0 0 2,869
LILLY ELI & CO COM 532457108 218 889 SH   SOLE   0 0 889
VANGUARD INDEX FDS SMALL CP ETF 922908751 4,336 19,465 SH   SOLE   0 0 19,465
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 3,337 43,730 SH   SOLE   0 0 43,730
INSULET CORP COM 45784P101 286 1,046 SH   SOLE   0 0 1,046
WISDOMTREE TR INTRST RATE HDGE 97717W380 1,859 39,597 SH   SOLE   0 0 39,597
FACEBOOK INC CL A 30303M102 548 1,529 SH   SOLE   0 0 1,529
VIACOMCBS INC CL B 92556H206 355 8,525 SH   SOLE   0 0 8,525
INVESCO EXCH TRADED FD TR II FNDMNTL HY CRP 46138E719 3,094 158,158 SH   SOLE   0 0 158,158
ISHARES TR IBOXX HI YD ETF 464288513 4,745 53,945 SH   SOLE   0 0 53,945
VANGUARD INDEX FDS TOTAL STK MKT 922908769 8,005 35,103 SH   SOLE   0 0 35,103
VANGUARD WORLD FD MEGA CAP INDEX 921910873 1,118 7,116 SH   SOLE   0 0 7,116
DYNATRACE INC COM NEW 268150109 910 14,291 SH   SOLE   0 0 14,291
HOME DEPOT INC COM 437076102 311 950 SH   SOLE   0 0 950
ISHARES TR CORE US AGGBD ET 464287226 2,759 23,724 SH   SOLE   0 0 23,724
COCA COLA CO COM 191216100 354 6,202 SH   SOLE   0 0 6,202
INVESCO QQQ TR UNIT SER 1 46090E103 711 1,940 SH   SOLE   0 0 1,940
TESLA INC COM 88160R101 1,402 2,070 SH   SOLE   0 0 2,070
ISHARES TR S&P 500 GRWT ETF 464287309 250 3,294 SH   SOLE   0 0 3,294
INTERNATIONAL BUSINESS MACHS COM 459200101 459 3,235 SH   SOLE   0 0 3,235
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 9,678 68,223 SH   SOLE   0 0 68,223
3M CO COM 88579Y101 273 1,379 SH   SOLE   0 0 1,379
VERIZON COMMUNICATIONS INC COM 92343V104 1,014 18,117 SH   SOLE   0 0 18,117
NVIDIA CORPORATION COM 67066G104 430 2,188 SH   SOLE   0 0 2,188
SCHWAB STRATEGIC TR US TIPS ETF 808524870 13,566 212,659 SH   SOLE   0 0 212,659
INVESCO EXCHANGE TRADED FD T S&P 500 TOP 50 46137V233 4,999 14,812 SH   SOLE   0 0 14,812
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 857 2,116 SH   SOLE   0 0 2,116
ISHARES TR RUS TP200 GR ETF 464289438 608 3,860 SH   SOLE   0 0 3,860
T2 BIOSYSTEMS INC COM 89853L104 72 69,526 SH   SOLE   0 0 69,526
TATTOOED CHEF INC COM CL A 87663X102 251 12,861 SH   SOLE   0 0 12,861
STARBUCKS CORP COM 855244109 371 3,033 SH   SOLE   0 0 3,033
MICROSOFT CORP COM 594918104 3,364 11,741 SH   SOLE   0 0 11,741
TYSON FOODS INC CL A 902494103 253 3,524 SH   SOLE   0 0 3,524
ISHARES TR RUSSELL 2000 ETF 464287655 244 1,097 SH   SOLE   0 0 1,097
WISDOMTREE TR HEDGED HI YLD BD 97717W430 3,870 174,911 SH   SOLE   0 0 174,911
CASSAVA SCIENCES INC COM 14817C107 565 5,464 SH   SOLE   0 0 5,464
VANGUARD WORLD FDS INF TECH ETF 92204A702 3,032 7,345 SH   SOLE   0 0 7,345
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 112,775 1,053,968 SH   SOLE   0 0 1,053,968
MERCK & CO INC COM 58933Y105 337 4,378 SH   SOLE   0 0 4,378
VERASTEM INC COM 92337C104 103 31,054 SH   SOLE   0 0 31,054
ISHARES TR RUS 1000 GRW ETF 464287614 234 828 SH   SOLE   0 0 828
VANECK VECTORS ETF TR SHRT HGH YLD MUN 92189F387 833 32,549 SH   SOLE   0 0 32,549
MCDONALDS CORP COM 580135101 427 1,748 SH   SOLE   0 0 1,748
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 293 2,218 SH   SOLE   0 0 2,218
MARRIOTT INTL INC NEW CL A 571903202 203 1,376 SH   SOLE   0 0 1,376
ISHARES TR ASIA 50 ETF 464288430 2,371 27,970 SH   SOLE   0 0 27,970
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 1,967 45,576 SH   SOLE   0 0 45,576
FRANCO NEV CORP COM 351858105 364 2,278 SH   SOLE   0 0 2,278
INVESCO EXCH TRADED FD TR II SR LN ETF 46138G508 5,253 238,210 SH   SOLE   0 0 238,210
ALPHABET INC CAP STK CL A 02079K305 1,241 457 SH   SOLE   0 0 457
VERTEX PHARMACEUTICALS INC COM 92532F100 385 1,920 SH   SOLE   0 0 1,920
ALPHABET INC CAP STK CL C 02079K107 776 284 SH   SOLE   0 0 284
INVESCO EXCH TRADED FD TR II NATL AMT MUNI 46138E537 203 7,395 SH   SOLE   0 0 7,395
AGILENT TECHNOLOGIES INC COM 00846U101 414 2,713 SH   SOLE   0 0 2,713
ISHARES TR MSCI EAFE ETF 464287465 4,000 50,058 SH   SOLE   0 0 50,058
SPDR SER TR NUVEEN BLMBRG SR 78468R739 3,990 80,340 SH   SOLE   0 0 80,340
ISHARES TR 20 YR TR BD ETF 464287432 228 1,535 SH   SOLE   0 0 1,535
GLOBAL X FDS S&P 500 COVERED 37954Y475 2,814 57,440 SH   SOLE   0 0 57,440
ISHARES TR RUS MD CP GR ETF 464287481 2,384 20,768 SH   SOLE   0 0 20,768
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 611 11,865 SH   SOLE   0 0 11,865
CHEMED CORP NEW COM 16359R103 314 666 SH   SOLE   0 0 666
GAMIDA CELL LTD SHS M47364100 129 24,429 SH   SOLE   0 0 24,429
PERSHING SQUARE TONTINE HLDG COM CL A 71531R109 614 30,211 SH   SOLE   0 0 30,211
BIOGEN INC COM 09062X103 258 784 SH   SOLE   0 0 784
SPDR SER TR PRTFLO S&P500 VL 78464A508 5,059 126,453 SH   SOLE   0 0 126,453
ISHARES TR CORE S&P500 ETF 464287200 4,812 10,870 SH   SOLE   0 0 10,870
UNITED PARCEL SERVICE INC CL B 911312106 703 3,663 SH   SOLE   0 0 3,663
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 230 3,977 SH   SOLE   0 0 3,977
DBX ETF TR XTRACK MUN INFRA 233051705 4,228 142,268 SH   SOLE   0 0 142,268
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 1,310 23,598 SH   SOLE   0 0 23,598
SPDR SER TR S&P 400 MDCP GRW 78464A821 28,474 364,263 SH   SOLE   0 0 364,263
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 10,135 41,946 SH   SOLE   0 0 41,946
SPDR SER TR MSCI USA STRTGIC 78468R812 2,947 23,989 SH   SOLE   0 0 23,989
PAYPAL HLDGS INC COM 70450Y103 383 1,351 SH   SOLE   0 0 1,351
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 1,625 20,720 SH   SOLE   0 0 20,720
JOHNSON & JOHNSON COM 478160104 1,083 6,289 SH   SOLE   0 0 6,289
INVESCO EXCHANGE TRADED FD T S&P500 PUR GWT 46137V266 306 1,586 SH   SOLE   0 0 1,586
ISHARES TR 0-5YR HI YL CP 46434V407 662 14,427 SH   SOLE   0 0 14,427
VANGUARD INDEX FDS SM CP VAL ETF 922908611 4,080 23,770 SH   SOLE   0 0 23,770
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 30,642 719,623 SH   SOLE   0 0 719,623
CHURCHILL CAPITAL CORP IV *W EXP 08/04/202 171439110 120 10,630 SH   SOLE   0 0 10,630
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 626 3,397 SH   SOLE   0 0 3,397