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
ISHARES TR CORE S&P500 ETF 464287200 3,591 11,597 SH   SOLE 0 0 0 11,597
ISHARES TR CORE S&P US GWT 464287671 1,618 22,509 SH   SOLE 0 0 0 22,509
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 608 3,404 SH   SOLE 0 0 0 3,404
ABBOTT LABS COM 002824100 421 4,600 SH   SOLE 0 0 0 4,600
BEST BUY INC COM 086516101 218 2,500 SH   SOLE 0 0 0 2,500
INTEL CORP COM 458140100 317 5,300 SH   SOLE 0 0 0 5,300
BLACKROCK MUNIVEST FD INC COM 09253R105 421 50,095 SH   SOLE 0 0 0 50,095
QUALCOMM INC COM 747525103 240 2,626 SH   SOLE 0 0 0 2,626
DISNEY WALT CO COM DISNEY 254687106 247 2,218 SH   SOLE 0 0 0 2,218
US BANCORP DEL COM NEW 902973304 258 7,000 SH   SOLE 0 0 0 7,000
JOHNSON & JOHNSON COM 478160104 1,122 7,976 SH   SOLE 0 0 0 7,976
PFIZER INC COM 717081103 250 7,643 SH   SOLE 0 0 0 7,643
CHEVRON CORP NEW COM 166764100 872 9,767 SH   SOLE 0 0 0 9,767
MICROSOFT CORP COM 594918104 874 4,294 SH   SOLE 0 0 0 4,294
AT&T INC COM 00206R102 327 10,832 SH   SOLE 0 0 0 10,832
CITIGROUP INC COM NEW 172967424 204 4,000 SH   SOLE 0 0 0 4,000
CISCO SYS INC COM 17275R102 233 5,000 SH   SOLE 0 0 0 5,000
PEPSICO INC COM 713448108 291 2,200 SH   SOLE 0 0 0 2,200
VERIZON COMMUNICATIONS INC COM 92343V104 221 4,000 SH   SOLE 0 0 0 4,000
SPDR SER TR PRTFLO S&P500 GW 78464A409 38,824 864,296 SH   SOLE 0 0 0 864,296
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 407 3,899 SH   SOLE 0 0 0 3,899
ISHARES INC MSCI TAIWAN ETF 46434G772 338 8,393 SH   SOLE 0 0 0 8,393
ISHARES INC MSCI BRAZIL ETF 464286400 289 10,047 SH   SOLE 0 0 0 10,047
ISHARES INC MSCI MEXICO ETF 464286822 226 7,097 SH   SOLE 0 0 0 7,097
ISHARES INC MSCI STH KOR ETF 464286772 372 6,512 SH   SOLE 0 0 0 6,512
BK OF AMERICA CORP COM 060505104 216 9,100 SH   SOLE 0 0 0 9,100
EXXON MOBIL CORP COM 30231G102 664 14,844 SH   SOLE 0 0 0 14,844
UNION PAC CORP COM 907818108 440 2,600 SH   SOLE 0 0 0 2,600
TEXAS INSTRS INC COM 882508104 203 1,600 SH   SOLE 0 0 0 1,600
DANAHER CORPORATION COM 235851102 221 1,250 SH   SOLE 0 0 0 1,250
MERCK & CO. INC COM 58933Y105 309 4,000 SH   SOLE 0 0 0 4,000
PROCTER AND GAMBLE CO COM 742718109 302 2,528 SH   SOLE 0 0 0 2,528
GOLDMAN SACHS GROUP INC COM 38141G104 296 1,500 SH   SOLE 0 0 0 1,500
MCDONALDS CORP COM 580135101 600 3,250 SH   SOLE 0 0 0 3,250
JPMORGAN CHASE & CO COM 46625H100 563 5,981 SH   SOLE 0 0 0 5,981
SIRIUS XM HOLDINGS INC COM 82968B103 235 40,000 SH   SOLE 0 0 0 40,000
SOUTHWEST AIRLS CO COM 844741108 327 9,580 SH   SOLE 0 0 0 9,580
CONOCOPHILLIPS COM 20825C104 233 5,550 SH   SOLE 0 0 0 5,550
APPLE INC COM 037833100 615 1,685 SH   SOLE 0 0 0 1,685
SPDR SER TR PRTFLO S&P500 VL 78464A508 2,283 78,775 SH   SOLE 0 0 0 78,775
VERISIGN INC COM 92343E102 207 1,000 SH   SOLE 0 0 0 1,000
EASTMAN CHEM CO COM 277432100 209 3,000 SH   SOLE 0 0 0 3,000
EOG RES INC COM 26875P101 501 9,887 SH   SOLE 0 0 0 9,887
NETFLIX INC COM 64110L106 314 689 SH   SOLE 0 0 0 689
DWS MUN INCOME TR COM 233368109 1,014 93,900 SH   SOLE 0 0 0 93,900
DARDEN RESTAURANTS INC COM 237194105 303 4,000 SH   SOLE 0 0 0 4,000
INVESCO CALIF MUN INCOME TR COM 46132P108 232 16,052 SH   SOLE 0 0 0 16,052
UDR INC COM 902653104 376 10,050 SH   SOLE 0 0 0 10,050
ISHARES TR CHINA LG-CAP ETF 464287184 377 9,504 SH   SOLE 0 0 0 9,504
AMEDISYS INC COM 023436108 206 1,036 SH   SOLE 0 0 0 1,036
YUM BRANDS INC COM 988498101 400 4,600 SH   SOLE 0 0 0 4,600
MFS HIGH INCOME MUN TR SH BEN INT 59318D104 187 40,155 SH   SOLE 0 0 0 40,155
PIONEER MUN HIGH INCOME TR COM SHS 723763108 263 23,328 SH   SOLE 0 0 0 23,328
ALPHABET INC CAP STK CL A 02079K305 624 440 SH   SOLE 0 0 0 440
BLACKROCK MUNIHLDGS NJ QLTY COM 09254X101 807 60,250 SH   SOLE 0 0 0 60,250
VANGUARD INDEX FDS VALUE ETF 922908744 9,182 92,201 SH   SOLE 0 0 0 92,201
GLOBAL X FDS GLBX MSCI COLUM 37954Y327 204 8,960 SH   SOLE 0 0 0 8,960
VANGUARD INDEX FDS SM CP VAL ETF 922908611 2,864 26,784 SH   SOLE 0 0 0 26,784
MFS HIGH YIELD MUN TR SH BEN INT 59318E102 67 16,359 SH   SOLE 0 0 0 16,359
PIONEER MUN HIGH INCOME ADVA COM 723762100 403 38,384 SH   SOLE 0 0 0 38,384
VANGUARD INDEX FDS SML CP GRW ETF 922908595 3,587 17,973 SH   SOLE 0 0 0 17,973
CENTENE CORP DEL COM 15135B101 254 4,000 SH   SOLE 0 0 0 4,000
BNY MELLON STRATEGIC MUN BD COM 09662E109 156 21,500 SH   SOLE 0 0 0 21,500
ISHARES GOLD TRUST ISHARES 464285105 249 14,655 SH   SOLE 0 0 0 14,655
BLACKROCK MUNIVEST FD II INC COM 09253T101 385 28,363 SH   SOLE 0 0 0 28,363
INVESCO CALIF VALUE MUN INCO COM 46132H106 656 56,180 SH   SOLE 0 0 0 56,180
WESTERN ASSET INTER MUNI FD COM 958435109 556 65,002 SH   SOLE 0 0 0 65,002
NUVEEN NEW YORK AMT QLT MUNI COM 670656107 272 21,143 SH   SOLE 0 0 0 21,143
PIMCO NEW YORK MUN FD II COM 72200Y102 132 12,780 SH   SOLE 0 0 0 12,780
SPDR SER TR NUVEEN BLMBRG SR 78468R739 4,117 82,556 SH   SOLE 0 0 0 82,556
NEUBERGER BRMAN CLIFRN MUNI COM 64123C101 337 26,200 SH   SOLE 0 0 0 26,200
BLACKROCK CALIF MUN INCOME T SH BEN INT 09248E102 242 18,388 SH   SOLE 0 0 0 18,388
BLACKROCK MUNIYIELD INVT QUA COM 09254T100 307 23,686 SH   SOLE 0 0 0 23,686
INVESCO TR INVT GRADE NEW YO COM 46131T101 947 77,749 SH   SOLE 0 0 0 77,749
DWS STRATEGIC MUN INCOME TR COM 23342Q101 797 75,900 SH   SOLE 0 0 0 75,900
BLACKROCK MUNIHOLDINGS FD IN COM 09253N104 686 45,960 SH   SOLE 0 0 0 45,960
BLACKROCK MUNIYLD MICH QLTY COM 09254V105 535 39,430 SH   SOLE 0 0 0 39,430
BLACKROCK MUNIYIELD N J FD I COM 09254Y109 339 24,940 SH   SOLE 0 0 0 24,940
INVESCO PA VALUE MUN INC TR COM 46132K109 265 22,307 SH   SOLE 0 0 0 22,307
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 9,781 117,669 SH   SOLE 0 0 0 117,669
VANECK VECTORS ETF TR RUSSIA ETF 92189F403 358 17,267 SH   SOLE 0 0 0 17,267
VANGUARD BD INDEX FDS LONG TERM BOND 921937793 3,023 27,075 SH   SOLE 0 0 0 27,075
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 1,000 12,692 SH   SOLE 0 0 0 12,692
ISHARES TR NATIONAL MUN ETF 464288414 949 8,221 SH   SOLE 0 0 0 8,221
NUVEEN NEW JERSEY QULT MUN F COM 67069Y102 525 39,648 SH   SOLE 0 0 0 39,648
ISHARES TR JPMORGAN USD EMG 464288281 1,938 17,748 SH   SOLE 0 0 0 17,748
ISHARES TR INTRM TR CRP ETF 464288638 5,639 93,397 SH   SOLE 0 0 0 93,397
VISA INC COM CL A 92826C839 650 3,364 SH   SOLE 0 0 0 3,364
VANECK VECTORS ETF TR AMT FREE INT ETF 92189H201 6,692 131,371 SH   SOLE 0 0 0 131,371
ISHARES INC MSCI TURKEY ETF 464286715 320 13,785 SH   SOLE 0 0 0 13,785
ISHARES TR CALIF MUN BD ETF 464288356 221 3,555 SH   SOLE 0 0 0 3,555
EATON VANCE NEW YORK MUN INC SH BEN INT 27826W104 155 12,287 SH   SOLE 0 0 0 12,287
ISHARES TR NEW YORK MUN ETF 464288323 519 9,027 SH   SOLE 0 0 0 9,027
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 9,758 130,461 SH   SOLE 0 0 0 130,461
NUVEEN CALIF MUNICPAL VALUE COM 6706EB106 147 10,226 SH   SOLE 0 0 0 10,226
EATON VANCE NATL MUN OPPORTU COM SHS 27829L105 640 32,556 SH   SOLE 0 0 0 32,556
ISHARES TR MSCI PERU ETF 464289842 283 9,948 SH   SOLE 0 0 0 9,948
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 18,075 178,007 SH   SOLE 0 0 0 178,007
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 7,573 151,121 SH   SOLE 0 0 0 151,121
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 6,067 85,978 SH   SOLE 0 0 0 85,978
ISHARES TR MSCI POLAND ETF 46429B606 249 14,966 SH   SOLE 0 0 0 14,966
VANGUARD ADMIRAL FDS INC SMLCP 600 GRTH 921932794 1,001 6,850 SH   SOLE 0 0 0 6,850
VANGUARD ADMIRAL FDS INC SMLCP 600 VAL 921932778 1,583 15,166 SH   SOLE 0 0 0 15,166
PROSHARES TR II SHT VIX ST TRM 74347W130 315 10,000 SH   SOLE 0 0 0 10,000
ISHARES TR MIN VOL EAFE ETF 46429B689 284 4,300 SH   SOLE 0 0 0 4,300
ISHARES INC MIN VOL GBL ETF 464286525 16,307 186,197 SH   SOLE 0 0 0 186,197
ISHARES INC MSCI FRNTR100ETF 464286145 209 8,655 SH   SOLE 0 0 0 8,655
GLOBAL X FDS MSCI GREECE ETF 37954Y319 214 10,810 SH   SOLE 0 0 0 10,810
ISHARES TR MSCI INDIA ETF 46429B598 239 8,242 SH   SOLE 0 0 0 8,242
ISHARES INC CORE MSCI EMKT 46434G103 10,335 217,125 SH   SOLE 0 0 0 217,125
ISHARES TR CORE 1 5 YR USD 46432F859 1,293 25,113 SH   SOLE 0 0 0 25,113
ISHARES TR USA MOMENTUM FCT 46432F396 4,582 34,978 SH   SOLE 0 0 0 34,978
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730 1,419 60,629 SH   SOLE 0 0 0 60,629
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755 5,545 233,552 SH   SOLE 0 0 0 233,552
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771 308 8,356 SH   SOLE 0 0 0 8,356
ISHARES TR USA QUALITY FCTR 46432F339 8,909 92,883 SH   SOLE 0 0 0 92,883
ISHARES TR INTL MOMENTUM FT 46434V449 4,912 156,588 SH   SOLE 0 0 0 156,588
ISHARES TR INTL QLTY FACTOR 46434V456 12,173 413,897 SH   SOLE 0 0 0 413,897
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 69,488 1,283,493 SH   SOLE 0 0 0 1,283,493
HEWLETT PACKARD ENTERPRISE C COM 42824C109 175 18,000 SH   SOLE 0 0 0 18,000
ISHARES TR CORE INTL AGGR 46435G672 6,377 114,528 SH   SOLE 0 0 0 114,528
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794 7,815 152,675 SH   SOLE 0 0 0 152,675
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810 11,696 174,365 SH   SOLE 0 0 0 174,365