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 S&P SML 600 GWT 464287887 299 2,300 SH   SOLE 0 0 0 2,300
ISHARES TR CORE S&P500 ETF 464287200 2,568 5,960 SH   SOLE 0 0 0 5,960
ISHARES TR RUS 1000 GRW ETF 464287614 926 3,379 SH   SOLE 0 0 0 3,379
ISHARES TR CORE S&P US GWT 464287671 477 4,657 SH   SOLE 0 0 0 4,657
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 755 2,766 SH   SOLE 0 0 0 2,766
ABBOTT LABS COM 002824100 543 4,600 SH   SOLE 0 0 0 4,600
BEST BUY INC COM 086516101 202 1,912 SH   SOLE 0 0 0 1,912
QUALCOMM INC COM 747525103 340 2,636 SH   SOLE 0 0 0 2,636
DISNEY WALT CO COM 254687106 634 3,748 SH   SOLE 0 0 0 3,748
JOHNSON & JOHNSON COM 478160104 901 5,576 SH   SOLE 0 0 0 5,576
CHEVRON CORP NEW COM 166764100 991 9,767 SH   SOLE 0 0 0 9,767
MICROSOFT CORP COM 594918104 1,103 3,913 SH   SOLE 0 0 0 3,913
PEPSICO INC COM 713448108 382 2,540 SH   SOLE 0 0 0 2,540
SPDR SER TR PRTFLO S&P500 GW 78464A409 40,162 627,341 SH   SOLE 0 0 0 627,341
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 718 4,807 SH   SOLE 0 0 0 4,807
BK OF AMERICA CORP COM 060505104 271 6,383 SH   SOLE 0 0 0 6,383
EXXON MOBIL CORP COM 30231G102 866 14,725 SH   SOLE 0 0 0 14,725
UNION PAC CORP COM 907818108 510 2,600 SH   SOLE 0 0 0 2,600
TEXAS INSTRS INC COM 882508104 308 1,600 SH   SOLE 0 0 0 1,600
TARGET CORP COM 87612E106 280 1,226 SH   SOLE 0 0 0 1,226
DANAHER CORPORATION COM 235851102 381 1,250 SH   SOLE 0 0 0 1,250
GOLDMAN SACHS GROUP INC COM 38141G104 435 1,151 SH   SOLE 0 0 0 1,151
MCDONALDS CORP COM 580135101 615 2,551 SH   SOLE 0 0 0 2,551
JPMORGAN CHASE & CO COM 46625H100 489 2,987 SH   SOLE 0 0 0 2,987
ISHARES TR IBOXX INV CP ETF 464287242 230 1,730 SH   SOLE 0 0 0 1,730
SOUTHWEST AIRLS CO COM 844741108 355 6,903 SH   SOLE 0 0 0 6,903
PIONEER NAT RES CO COM 723787107 318 1,912 SH   SOLE 0 0 0 1,912
COMCAST CORP NEW CL A 20030N101 216 3,862 SH   SOLE 0 0 0 3,862
CONOCOPHILLIPS COM 20825C104 376 5,550 SH   SOLE 0 0 0 5,550
APPLE INC COM 037833100 904 6,388 SH   SOLE 0 0 0 6,388
AMERICAN AIRLS GROUP INC COM 02376R102 317 15,430 SH   SOLE 0 0 0 15,430
BLACKROCK MUNIYIELD FD INC COM 09253W104 200 13,444 SH   SOLE 0 0 0 13,444
SPDR SER TR PRTFLO S&P500 VL 78464A508 13,792 353,641 SH   SOLE 0 0 0 353,641
EASTMAN CHEM CO COM 277432100 232 2,301 SH   SOLE 0 0 0 2,301
EOG RES INC COM 26875P101 935 11,651 SH   SOLE 0 0 0 11,651
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 1,517 30,327 SH   SOLE 0 0 0 30,327
NETFLIX INC COM 64110L106 421 689 SH   SOLE 0 0 0 689
ISHARES TR CORE US AGGBD ET 464287226 1,524 13,268 SH   SOLE 0 0 0 13,268
DWS MUN INCOME TR COM 233368109 524 44,021 SH   SOLE 0 0 0 44,021
DARDEN RESTAURANTS INC COM 237194105 465 3,067 SH   SOLE 0 0 0 3,067
UDR INC COM 902653104 532 10,050 SH   SOLE 0 0 0 10,050
MFS HIGH INCOME MUN TR SH BEN INT 59318D104 132 25,163 SH   SOLE 0 0 0 25,163
BNY MELLON STRATEGIC MUNS IN COM 05588W108 463 53,203 SH   SOLE 0 0 0 53,203
PIONEER MUNICIPAL HIGH INCOM COM SHS 723763108 930 76,674 SH   SOLE 0 0 0 76,674
ALPHABET INC CAP STK CL A 02079K305 1,176 440 SH   SOLE 0 0 0 440
VANGUARD INDEX FDS VALUE ETF 922908744 12,619 93,218 SH   SOLE 0 0 0 93,218
VANGUARD INDEX FDS SM CP VAL ETF 922908611 6,690 39,526 SH   SOLE 0 0 0 39,526
PIMCO NEW YORK MUN INCOME FD COM 72201E105 104 10,125 SH   SOLE 0 0 0 10,125
MFS HIGH YIELD MUN TR SH BEN INT 59318E102 351 76,383 SH   SOLE 0 0 0 76,383
NUVEEN AMT FREE MUN CR INC F COM 67071L106 391 22,782 SH   SOLE 0 0 0 22,782
MFS MUN INCOME TR SH BEN INT 552738106 532 76,065 SH   SOLE 0 0 0 76,065
WESTERN ASSET MANAGED MUNS F COM 95766M105 1,573 117,901 SH   SOLE 0 0 0 117,901
NUVEEN QUALITY MUNCP INCOME COM 67066V101 690 44,155 SH   SOLE 0 0 0 44,155
PIONEER MUNICIPAL HIGH INCOM COM 723762100 438 37,732 SH   SOLE 0 0 0 37,732
VANGUARD INDEX FDS SML CP GRW ETF 922908595 5,859 20,913 SH   SOLE 0 0 0 20,913
ISHARES GOLD TR ISHARES NEW 464285204 363 10,856 SH   SOLE 0 0 0 10,856
BLACKROCK MUNIVEST FD II INC COM 09253T101 240 15,758 SH   SOLE 0 0 0 15,758
WESTERN ASSET MUN PARTNERS F COM 95766P108 694 44,295 SH   SOLE 0 0 0 44,295
PIMCO CALIF MUN INCOME FD II COM 72201C109 152 13,807 SH   SOLE 0 0 0 13,807
BLACKROCK MUNIYIELD CALIF FD COM 09254M105 347 22,851 SH   SOLE 0 0 0 22,851
PIMCO CALIF MUN INCOME FD II COM 72200M108 1,102 114,423 SH   SOLE 0 0 0 114,423
BLACKROCK MUN INCOME QUALITY COM 092479104 237 15,536 SH   SOLE 0 0 0 15,536
WESTERN ASSET INTER MUNI FD COM 958435109 413 42,350 SH   SOLE 0 0 0 42,350
NUVEEN NEW YORK AMT QLT MUNI COM 670656107 228 16,470 SH   SOLE 0 0 0 16,470
PIMCO NEW YORK MUN FD II COM 72200Y102 150 12,924 SH   SOLE 0 0 0 12,924
SPDR SER TR NUVEEN BLMBRG SR 78468R739 2,562 51,856 SH   SOLE 0 0 0 51,856
NEUBERGER BRMAN CLIFRN MUNI COM 64123C101 534 37,290 SH   SOLE 0 0 0 37,290
MFS INVT GRADE MUN TR SH BEN INT 59318B108 486 48,610 SH   SOLE 0 0 0 48,610
ISHARES TR CORE S&P TTL STK 464287150 2,717 27,620 SH   SOLE 0 0 0 27,620
NUVEEN MUNICIPAL CREDIT INC COM SH BEN INT 67070X101 190 11,367 SH   SOLE 0 0 0 11,367
NUVEEN AMT FREE QLTY MUN INC COM 670657105 713 46,956 SH   SOLE 0 0 0 46,956
INVESCO TR INVT GRADE NEW YO COM 46131T101 241 17,841 SH   SOLE 0 0 0 17,841
DWS STRATEGIC MUN INCOME TR COM 23342Q101 240 19,526 SH   SOLE 0 0 0 19,526
BLACKROCK MUNIHOLDINGS QUALI COM 09254C107 180 13,041 SH   SOLE 0 0 0 13,041
BLACKROCK MUNIHOLDINGS FD IN COM 09253N104 2,094 127,914 SH   SOLE 0 0 0 127,914
PIMCO NEW YORK MUN INCOME FD COM 72200T103 309 24,734 SH   SOLE 0 0 0 24,734
EATON VANCE NEW YORK MUN BD COM 27827Y109 309 25,157 SH   SOLE 0 0 0 25,157
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 11,882 145,011 SH   SOLE 0 0 0 145,011
VANGUARD BD INDEX FDS LONG TERM BOND 921937793 2,278 22,260 SH   SOLE 0 0 0 22,260
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 727 7,039 SH   SOLE 0 0 0 7,039
ISHARES TR NATIONAL MUN ETF 464288414 10,550 90,818 SH   SOLE 0 0 0 90,818
SPDR SER TR NUVEEN BRC MUNIC 78468R721 857 16,619 SH   SOLE 0 0 0 16,619
ISHARES TR ISHS 5-10YR INVT 464288638 6,061 100,922 SH   SOLE 0 0 0 100,922
VISA INC COM CL A 92826C839 749 3,364 SH   SOLE 0 0 0 3,364
VANECK ETF TRUST INTRMDT MUNI ETF 92189H201 8,487 165,640 SH   SOLE 0 0 0 165,640
ISHARES TR NEW YORK MUN ETF 464288323 426 7,355 SH   SOLE 0 0 0 7,355
DELAWARE INVTS COLO MUN INCO COM 246101109 185 12,543 SH   SOLE 0 0 0 12,543
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 2,290 22,491 SH   SOLE 0 0 0 22,491
ISHARES TR SHRT NAT MUN ETF 464288158 4,852 45,102 SH   SOLE 0 0 0 45,102
NUVEEN ENHANCED MUN VALUE FD COM 67074M101 338 21,342 SH   SOLE 0 0 0 21,342
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 9,922 67,000 SH   SOLE 0 0 0 67,000
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 17,988 266,574 SH   SOLE 0 0 0 266,574
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 8,120 120,213 SH   SOLE 0 0 0 120,213
VANGUARD ADMIRAL FDS INC SMLCP 600 GRTH 921932794 2,545 11,329 SH   SOLE 0 0 0 11,329
VANGUARD ADMIRAL FDS INC SMLCP 600 VAL 921932778 3,132 17,996 SH   SOLE 0 0 0 17,996
ISHARES TR MSCI EAFE MIN VL 46429B689 324 4,300 SH   SOLE 0 0 0 4,300
ISHARES INC MSCI GBL MIN VOL 464286525 12,684 123,467 SH   SOLE 0 0 0 123,467
BLACKROCK MUN TARGET TERM TR COM SHS BEN IN 09257P105 225 8,802 SH   SOLE 0 0 0 8,802
ISHARES INC CORE MSCI EMKT 46434G103 29,469 477,161 SH   SOLE 0 0 0 477,161
ISHARES TR CORE MSCI EAFE 46432F842 1,569 21,131 SH   SOLE 0 0 0 21,131
ISHARES TR CORE 1 5 YR USD 46432F859 203 3,974 SH   SOLE 0 0 0 3,974
VANGUARD WHITEHALL FDS EMERG MKT BD ETF 921946885 2,324 29,678 SH   SOLE 0 0 0 29,678
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730 1,879 58,315 SH   SOLE 0 0 0 58,315
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755 14,293 435,351 SH   SOLE 0 0 0 435,351
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771 240 4,451 SH   SOLE 0 0 0 4,451
ISHARES TR MSCI USA QLT FCT 46432F339 1,524 11,570 SH   SOLE 0 0 0 11,570
ISHARES TR 0-5YR HI YL CP 46434V407 233 5,103 SH   SOLE 0 0 0 5,103
ISHARES TR MSCI INTL MOMENT 46434V449 2,421 63,582 SH   SOLE 0 0 0 63,582
ISHARES TR MSCI INTL QUALTY 46434V456 10,089 266,343 SH   SOLE 0 0 0 266,343
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 83,321 1,521,281 SH   SOLE 0 0 0 1,521,281
ISHARES TR CORE INTL AGGR 46435G672 6,580 119,601 SH   SOLE 0 0 0 119,601
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794 33,890 513,103 SH   SOLE 0 0 0 513,103
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810 18,704 214,417 SH   SOLE 0 0 0 214,417
NUVEEN DYNAMIC MUN OPPORTUNI COM SHS 67079X102 265 16,547 SH   SOLE 0 0 0 16,547