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 02079K305 782 270 SH   SOLE   270 0 0
AMGEN INC COM 031162100 206 914 SH   SOLE   914 0 0
APPLE INC COM 037833100 2,559 14,413 SH   SOLE   7,833 0 6,580
BERKSHIRE HATHAWAY INC DEL CL A 084670108 1,803 4 SH   SOLE   4 0 0
COHEN & STEERS QUALITY INCOM COM 19247L106 1,529 83,936 SH   SOLE   69,284 0 14,652
COSTCO WHSL CORP NEW COM 22160K105 234 413 SH   SOLE   413 0 0
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708 518 17,897 SH   SOLE   17,896 0 0
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880 267 10,212 SH   SOLE   10,212 0 0
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807 593 18,076 SH   SOLE   18,075 0 0
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609 232 4,887 SH   SOLE   4,887 0 0
DISNEY WALT CO COM 254687106 218 1,408 SH   SOLE   1,408 0 0
ETF SER SOLUTIONS NATIONWIDE NASDQ 26922A172 1,264 45,270 SH   SOLE   30,953 0 14,316
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309 2,869 54,104 SH   SOLE   36,063 0 18,039
FLEXSHARES TR INTL QLTDV IDX 33939L837 1,752 68,510 SH   SOLE   45,833 0 22,676
HEARTLAND FINL USA INC COM 42234Q102 1,176 23,238 SH   SOLE   0 0 23,238
HIVE BLOCKCHAIN TECHNLGIES L COM 43366H100 26 10,000 SH   SOLE   10,000 0 0
INVESCO EXCHANGE TRADED FD T S&P SMCP VLU MNT 46137V480 4,423 82,083 SH   SOLE   68,508 0 13,574
ISHARES INC CORE MSCI EMKT 46434G103 271 4,527 SH   SOLE   1,982 0 2,544
ISHARES TR MSCI USA MMENTM 46432F396 11,032 60,674 SH   SOLE   44,472 0 16,201
ISHARES TR COHEN STEER REIT 464287564 3,358 44,134 SH   SOLE   29,821 0 14,312
ISHARES TR EAFE SML CP ETF 464288273 341 4,660 SH   SOLE   2,573 0 2,086
ISHARES TR EAFE VALUE ETF 464288877 5,648 112,079 SH   SOLE   93,936 0 18,142
ISHARES U S ETF TR BLACKROCK ST MAT 46431W507 1,650 33,027 SH   SOLE   24,194 0 8,832
J P MORGAN EXCHANGE-TRADED F ULTRA SHRT INC 46641Q837 10,650 210,981 SH   SOLE   164,170 0 46,810
JOHN HANCOCK EXCHANGE TRADED MULTFCTR EMRNG 47804J834 467 16,077 SH   SOLE   16,077 0 0
JOHN HANCOCK EXCHANGE TRADED MULTI INTL ETF 47804J859 2,575 76,444 SH   SOLE   76,443 0 0
JOHN HANCOCK EXCHANGE TRADED MLTFCTR LRG CAP 47804J107 4,707 79,183 SH   SOLE   79,182 0 0
JPMORGAN CHASE & CO COM 46625H100 227 1,435 SH   SOLE   269 0 1,166
MICROSOFT CORP COM 594918104 422 1,254 SH   SOLE   1,154 0 100
NEXTERA ENERGY INC COM 65339F101 203 2,174 SH   SOLE   2,174 0 0
PROSHARES TR INVT INT RT HG 74347B607 232 3,122 SH   SOLE   3,122 0 0
RIVERNORTH OPPORTUNISTIC MUN COM 76883F108 1,070 47,974 SH   SOLE   47,973 0 0
S&P GLOBAL INC COM 78409V104 3,274 6,937 SH   SOLE   150 0 6,787
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 8,012 206,115 SH   SOLE   118,778 0 87,336
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 402 3,534 SH   SOLE   0 0 3,534
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755 416 12,810 SH   SOLE   1,188 0 11,622
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 6,345 155,024 SH   SOLE   104,348 0 50,675
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 2,895 35,811 SH   SOLE   23,350 0 12,459
SCHWAB STRATEGIC TR US REIT ETF 808524847 3,589 68,107 SH   SOLE   51,976 0 16,130
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 6,460 88,222 SH   SOLE   70,048 0 18,173
SEMPRA COM 816851109 208 1,573 SH   SOLE   1,572 0 0
SPDR INDEX SHS FDS ASIA PACIF ETF 78463X301 7,388 60,800 SH   SOLE   42,773 0 18,026
SPDR S&P 500 ETF TR TR UNIT 78462F103 706 1,487 SH   SOLE   1,487 0 0
SPDR SER TR NUVEEN BLMBRG SH 78468R739 223 4,531 SH   SOLE   0 0 4,531
SYNTAX ETF TR STRATIFD LRG CAP 87166N106 21,807 305,823 SH   SOLE   219,266 0 86,557
TESLA INC COM 88160R101 348 329 SH   SOLE   329 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 265 1,173 SH   SOLE   1,108 0 65
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 206 1,775 SH   SOLE   1,686 0 88
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 574 3,141 SH   SOLE   3,141 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 2,602 10,778 SH   SOLE   9,850 0 927
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 1,827 4,186 SH   SOLE   4,186 0 0
VANGUARD INDEX FDS LARGE CAP ETF 922908637 444 2,009 SH   SOLE   2,009 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 580 11,725 SH   SOLE   10,547 0 1,177
VANGUARD STAR FDS VG TL INTL STK F 921909768 763 11,995 SH   SOLE   11,995 0 0
VISA INC COM CL A 92826C839 243 1,121 SH   SOLE   1,120 0 0
WESTERN ASSET MTG CAP CORP COM 95790D105 39 18,282 SH   SOLE   18,282 0 0