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
Alphabet Inc. Class A COM 02079K305   340,568 3,860 SH   SOLE   0 0 3,860
Alphabet Inc. Class C COM 02079K107   634,153 7,147 SH   SOLE   0 0 7,147
Apple COM 037833100   5,455,424 41,987 SH   SOLE   0 0 41,987
Arbutus Biopharma Corp COM 03879J100   46,600 20,000 SH   SOLE   0 0 20,000
Berkshire Hathaway B COM 084670702   460,879 1,492 SH   SOLE   0 0 1,492
BlackRock Floating Rate COM 09255X100   714,859 63,487 SH   SOLE   0 0 63,487
Broadcom Inc COM 11135F101   351,732 629 SH   SOLE   0 0 629
BulletShares 2023 Corporate COM 18383M241   883,050 42,090 SH   SOLE   0 0 42,090
BulletShares 2024 Corporate COM 18383M233   220,955 10,786 SH   SOLE   0 0 10,786
BulletShares 2025 Corporate COM 18383M191   237,330 11,784 SH   SOLE   0 0 11,784
Chevron COM 166764100   723,723 4,032 SH   SOLE   0 0 4,032
Crown Castle International COM 22822V101   251,187 1,852 SH   SOLE   0 0 1,852
Cummins COM 231021106   879,935 3,632 SH   SOLE   0 0 3,632
CVS Corporation COM 126650100   626,193 6,720 SH   SOLE   0 0 6,720
Dimensional US Marketwide Value ETF COM 25434V724   342,067 10,217 SH   SOLE   0 0 10,217
Disney Holding COM 254687106   433,245 4,987 SH   SOLE   0 0 4,987
Ford Motor Company COM 345370860   297,170 25,552 SH   SOLE   0 0 25,552
GraniteShares Gold ETF COM 38748G101   1,315,322 72,871 SH   SOLE   0 0 72,871
Hologic COM 436440101   460,381 6,154 SH   SOLE   0 0 6,154
Int'l Business Machines COM 459200101   783,595 5,562 SH   SOLE   0 0 5,562
Invesco NY AMT-Free Muni Bd ETF COM 46138E529   342,639 15,483 SH   SOLE   0 0 15,483
Invesco Preferred Stock ETF COM 46138E511   1,099,257 98,324 SH   SOLE   0 0 98,324
Invesco QQQ Trust COM 46090E103   371,290 1,394 SH   SOLE   0 0 1,394
Invesco Variable Rate Preferred ETF COM 46138G870   2,657,036 118,671 SH   SOLE   0 0 118,671
iShares Biotechnology COM 464287556   348,982 2,658 SH   SOLE   0 0 2,658
iShares Convertible Bond ETF COM 46435G102   4,639,903 66,790 SH   SOLE   0 0 66,790
iShares Dow Select Dividend COM 464287168   1,012,730 8,397 SH   SOLE   0 0 8,397
iShares Floating Rate Note COM 46429B655   1,729,357 34,360 SH   SOLE   0 0 34,360
iShares Gold Trust COM 464285105   4,443,016 128,448 SH   SOLE   0 0 128,448
iShares iBond Dec-2023 Muni COM 46435G318   352,999 13,925 SH   SOLE   0 0 13,925
iShares iBonds Dec 2026 Term Muni Bd ETF COM 46435U259   259,789 10,305 SH   SOLE   0 0 10,305
iShares iBonds Dec-2025 Muni COM 46435U432   637,126 24,161 SH   SOLE   0 0 24,161
iShares National Muni Bond ETF COM 464288414   2,431,490 23,043 SH   SOLE   0 0 23,043
iShares New York Muni Bond ETF COM 464288323   459,810 8,775 SH   SOLE   0 0 8,775
iShares Russell 1000 COM 464287622   800,608 3,803 SH   SOLE   0 0 3,803
iShares Russell 2000 COM 464287655   251,737 1,444 SH   SOLE   0 0 1,444
iShares S-T National Muni COM 464288158   663,148 6,360 SH   SOLE   0 0 6,360
iShares US Preferred Stock COM 464288687   5,091,681 166,776 SH   SOLE   0 0 166,776
McKesson COM 58155Q103   245,328 654 SH   SOLE   0 0 654
Medtronic COM 585055106   495,620 6,377 SH   SOLE   0 0 6,377
Microsoft COM 594918104   1,347,137 5,617 SH   SOLE   0 0 5,617
NextEra Energy COM 65339F101   601,277 7,192 SH   SOLE   0 0 7,192
Nuveen Floating Rate COM 67072T108   1,578,681 199,328 SH   SOLE   0 0 199,328
Nvidia COM 67066G104   347,482 2,378 SH   SOLE   0 0 2,378
Procter & Gamble COM 742718109   531,209 3,505 SH   SOLE   0 0 3,505
Schwab 1-5 Year Corporate Bond ETF COM 808524714   1,714,178 36,557 SH   SOLE   0 0 36,557
Schwab Emerging Markets COM 808524706   1,085,538 45,861 SH   SOLE   0 0 45,861
Schwab International Equity Index ETF COM 808524805   1,822,347 56,577 SH   SOLE   0 0 56,577
Schwab I-T US Treasury COM 808524854   378,136 7,681 SH   SOLE   0 0 7,681
Schwab Small Cap Index ETF COM 808524607   639,731 15,792 SH   SOLE   0 0 15,792
Schwab S-T US Treasury COM 808524862   4,794,162 99,381 SH   SOLE   0 0 99,381
Schwab US Aggregate Bond ETF COM 808524839   2,460,203 53,893 SH   SOLE   0 0 53,893
Schwab US Broad Market COM 808524102   361,804 8,074 SH   SOLE   0 0 8,074
Schwab US Dividend Equity COM 808524797   14,783,329 195,702 SH   SOLE   0 0 195,702
Schwab US Large Growth Index ETF COM 808524300   1,395,279 25,113 SH   SOLE   0 0 25,113
Schwab US Large Value Index ETF COM 808524409   439,374 6,655 SH   SOLE   0 0 6,655
Schwab US REIT Index COM 808524847   576,427 29,882 SH   SOLE   0 0 29,882
Schwab US TIPS ETF COM 808524870   2,040,657 39,403 SH   SOLE   0 0 39,403
SPDR Barclays S-T Muni Bond COM 78464A425   6,127,358 130,425 SH   SOLE   0 0 130,425
SPDR S&P 600 Small Cap Growth COM 78464A201   7,529,387 104,227 SH   SOLE   0 0 104,227
SPDR S&P 600 Small Cap Value COM 78464A300   4,599,922 61,977 SH   SOLE   0 0 61,977
SPDR S&P International Dividend COM 78463X772   2,751,582 85,136 SH   SOLE   0 0 85,136
Stratgy Shars Nasdaq 7 Handl ETF COM 86280R506   1,161,768 59,334 SH   SOLE   0 0 59,334
United Parcel Service COM 911312106   433,746 2,495 SH   SOLE   0 0 2,495
Utilities Sector SPDR COM 81369Y886   505,493 7,170 SH   SOLE   0 0 7,170
Van Eck S-T HY Muni COM 92189F387   1,886,925 84,729 SH   SOLE   0 0 84,729
Vanguard Dividend Appreciation COM 921908844   6,053,858 39,867 SH   SOLE   0 0 39,867
Vanguard High Dividend Yield COM 921946406   1,168,361 10,797 SH   SOLE   0 0 10,797
Vanguard I-T Corporate Bond COM 92206C870   334,568 4,316 SH   SOLE   0 0 4,316
Vanguard Small Cap Growth ETF COM 922908595   1,294,463 6,455 SH   SOLE   0 0 6,455
Walmart COM 931142103   468,146 3,302 SH   SOLE   0 0 3,302
Waste Management COM 94106L109   553,316 3,527 SH   SOLE   0 0 3,527
WisdomTree EM Equity Income COM 97717W315   985,156 27,642 SH   SOLE   0 0 27,642
WisdomTree Small Cap Dividend COM 97717W604   3,096,899 108,892 SH   SOLE   0 0 108,892