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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
AMAZON COM INC COM Stock 023135106 737 221 SH   SOLE 0 37 0 184
INVESCO QQQ TRUST ETF 46090E103 202 508 SH   SOLE 0 0 0 508
TECHNOLOGY SELECT SECTOR SPDR FUND ETF 81369Y803 3,876 22,291 SH   SOLE 0 115 0 22,176
SPDR PORTFOLIO AGGREGATE BOND ETF ETF 78464A649 20,552 693,861 SH   SOLE 0 11,923 0 681,938
SPDR PORTFOLIO S&P 500 HIGH DIVIDEND ETF ETF 78468R788 25,453 605,296 SH   SOLE 0 22,046 0 583,250
JOHNSON & JOHNSON COM Stock 478160104 335 1,959 SH   SOLE 0 290 0 1,669
VANGUARD TOTAL STOCK MARKET INDEX FUND ETF 922908769 556 2,302 SH   SOLE 0 0 0 2,302
VANGUARD ENERGY INDEX FUND ETF 92204A306 323 4,157 SH   SOLE 0 0 0 4,157
COSTCO WHSL CORP NEW COM Stock 22160K105 249 439 SH   SOLE 0 98 0 341
ISHARES MSCI EMERGING MARKETS ETF ETF 464287234 1,077 22,056 SH   SOLE 0 0 0 22,056
COCA COLA CO COM Stock 191216100 1,153 19,470 SH   SOLE 0 4,478 0 14,992
FIRST TRUST MORNINGSTAR DIVIDEND LEADERS INDEX FUND ETF 336917109 222 6,246 SH   SOLE 0 0 0 6,246
ISHARES U.S. ENERGY ETF ETF 464287796 905 30,061 SH   SOLE 0 0 0 30,061
TRUIST FINL CORP COM Stock 89832Q109 283 4,838 SH   SOLE 0 2,965 0 1,873
MERCK & CO INC COM Stock 58933Y105 702 9,154 SH   SOLE 0 1,753 0 7,401
ISHARES SHORT-TERM NATIONAL MUNI BOND ETF ETF 464288158 8,273 77,049 SH   SOLE 0 2,082 0 74,967
SPDR S&P 500 ETF ETF 78462F103 504 1,061 SH   SOLE 0 0 0 1,061
VERIZON COMMUNICATIONS INC COM Stock 92343V104 338 6,505 SH   SOLE 0 2,421 0 4,084
MARVELL TECHNOLOGY INC COM Stock 573874104 201 2,292 SH   SOLE 0 2,292 0 0
VANGUARD FTSE ALL-WORLD EX-US SMALL-CAP INDEX FUND ETF 922042718 599 4,468 SH   SOLE 0 0 0 4,468
PEPSICO INC COM Stock 713448108 410 2,360 SH   SOLE 0 486 0 1,874
HEALTH CARE SELECT SECTOR SPDR FUND ETF 81369Y209 1,282 9,098 SH   SOLE 0 126 0 8,972
ISHARES RUSSELL 1000 GROWTH ETF ETF 464287614 281 920 SH   SOLE 0 0 0 920
SCHWAB INTERNATIONAL EQUITY ETF ETF 808524805 480 12,350 SH   SOLE 0 1,760 0 10,590
SCHWAB U.S. LARGE-CAP ETF ETF 808524201 286 2,517 SH   SOLE 0 0 0 2,517
EVOQUA WATER TECHNOLOGIES CORP COM Stock 30057T105 233 4,985 SH   SOLE 0 4,985 0 0
JPMORGAN ULTRA-SHORT INCOME ETF ETF 46641Q837 390 7,717 SH   SOLE 0 927 0 6,790
ISHARES S&P SMALL-CAP FUND ETF 464287804 413 3,606 SH   SOLE 0 0 0 3,606
BERKSHIRE HATHAWAY INC DEL CL B NEW Stock 084670702 450 1,504 SH   SOLE 0 320 0 1,184
SCHWAB EMERGING MARKETS EQUITY ETF ETF 808524706 46,003 1,553,111 SH   SOLE 0 40,473 0 1,512,638
ALPHABET INC CAP STK CL A Stock 02079K305 464 160 SH   SOLE 0 0 0 160
MICROSOFT CORP COM Stock 594918104 703 2,090 SH   SOLE 0 528 0 1,562
INVESCO CEF INCOME COMPOSITE ETF ETF 46138E404 677 28,000 SH   SOLE 0 0 0 28,000
VANGUARD SMALL-CAP INDEX FUND ETF 922908751 65,556 290,069 SH   SOLE 0 7,407 0 282,661
VANGUARD MID-CAP INDEX FUND ETF 922908629 30,020 117,838 SH   SOLE 0 3,138 0 114,700
VANGUARD LARGE-CAP INDEX FUND ETF 922908637 80,046 362,186 SH   SOLE 0 10,519 0 351,667
NEXTERA ENERGY INC COM Stock 65339F101 693 7,424 SH   SOLE 0 0 0 7,424
SPDR S&P KENSHO NEW ECONOMIES COMPOSITE ETF ETF 78468R648 604 10,252 SH   SOLE 0 0 0 10,252
ISHARES MSCI EMERGING MARKETS EX CHINA ETF ETF 46434G764 249 4,115 SH   SOLE 0 0 0 4,115
ALERIAN MLP ETF ETF 00162Q452 13,009 397,361 SH   SOLE 0 18,756 0 378,605
SCHWAB SHORT-TERM U.S. TREASURY ETF ETF 808524862 17,011 334,541 SH   SOLE 0 4,994 0 329,547
WALGREENS BOOTS ALLIANCE INC COM Stock 931427108 360 6,901 SH   SOLE 0 2,625 0 4,276
BROOKFIELD ASSET MGMT INC CL A LTD VT SH Stock 112585104 415 6,875 SH   SOLE 0 3,000 0 3,875
DOW INC COM Stock 260557103 346 6,092 SH   SOLE 0 2,160 0 3,932
ISHARES MSCI BRAZIL SMALL-CAP ETF ETF 464289131 233 16,949 SH   SOLE 0 0 0 16,949
ISHARES IBONDS DEC 2028 TERM MUNI BOND ETF ETF 46435U325 12,340 452,914 SH   SOLE 0 16,442 0 436,472
ISHARES 0-5 YEAR TIPS BOND ETF ETF 46429B747 13,115 123,870 SH   SOLE 0 2,016 0 121,854
VANECK GOLD MINERS ETF ETF 92189F106 10,712 334,446 SH   SOLE 0 8,592 0 325,854
VANGUARD MORTGAGE-BACKED SECURITIES ETF ETF 92206C771 16,807 318,066 SH   SOLE 0 5,199 0 312,866
ISHARES RUSSELL 2000 ETF ETF 464287655 305 1,369 SH   SOLE 0 0 0 1,369
ISHARES SELECT DIVIDEND ETF ETF 464287168 685 5,591 SH   SOLE 0 0 0 5,591
GLOBAL X SUPERDIVIDEND ETF ETF 37950E549 643 52,421 SH   SOLE 0 15,959 0 36,462
VANGUARD SMALL-CAP VALUE INDEX FUND ETF 922908611 2,429 13,584 SH   SOLE 0 0 0 13,584
VANGUARD MID-CAP GROWTH INDEX FUND ETF 922908538 731 2,872 SH   SOLE 0 0 0 2,872
VISA INC COM CL A Stock 92826C839 352 1,625 SH   SOLE 0 330 0 1,295
VANGUARD SMALL-CAP GROWTH INDEX FUND ETF 922908595 721 2,560 SH   SOLE 0 0 0 2,560
VANGUARD VALUE INDEX FUND ETF 922908744 27,690 188,226 SH   SOLE 0 815 0 187,411
VANGUARD GROWTH INDEX FUND ETF 922908736 18,601 57,965 SH   SOLE 0 272 0 57,693
AMERICAN TOWER CORP NEW COM REIT 03027X100 210 717 SH   SOLE 0 717 0 0
ISHARES EMERGING MARKETS DIVIDEND ETF ETF 464286319 2,764 71,781 SH   SOLE 0 17,125 0 54,656
ALPS SECTOR DIVIDEND DOGS ETF ETF 00162Q858 598 11,153 SH   SOLE 0 4,414 0 6,739
SPDR S&P METALS AND MINING ETF ETF 78464A755 1,357 30,312 SH   SOLE 0 0 0 30,312
ETFMG PRIME JUNIOR SILVER MINERS ETF ETF 26924G102 6,782 543,456 SH   SOLE 0 13,589 0 529,867
MCDONALDS CORP COM Stock 580135101 406 1,515 SH   SOLE 0 500 0 1,015
CISCO SYS INC COM Stock 17275R102 443 6,997 SH   SOLE 0 2,564 0 4,433
ISHARES MSCI FRONTIER AND SELECT EM ETF ETF 464286145 647 18,754 SH   SOLE 0 0 0 18,754
VANECK JUNIOR GOLD MINERS ETF ETF 92189F791 336 8,009 SH   SOLE 0 255 0 7,754
SPDR PORTFOLIO SHORT TERM TREASURY ETF ETF 78468R101 245 8,045 SH   SOLE 0 0 0 8,045
CONSUMER DISCRETIONARY SELECT SECTOR SPDR FUND ETF 81369Y407 1,245 6,091 SH   SOLE 0 89 0 6,002
INVESCO S&P ULTRA DIVIDEND REVENUE ETF ETF 46138G656 2,383 56,567 SH   SOLE 0 13,348 0 43,219
FIDELITY MSCI ENERGY INDEX ETF ETF 316092402 188 12,382 SH   SOLE 0 0 0 12,382
INVESCO BULLETSHARES 2022 CORPORATE BOND ETF ETF 46138J882 3,339 156,095 SH   SOLE 0 2,574 0 153,520
UNION PAC CORP COM Stock 907818108 1,048 4,161 SH   SOLE 0 0 0 4,161
VANGUARD MID-CAP VALUE INDEX FUND ETF 922908512 814 5,417 SH   SOLE 0 0 0 5,417
JPMORGAN CHASE & CO COM Stock 46625H100 721 4,554 SH   SOLE 0 670 0 3,884
CHEVRON CORP NEW COM Stock 166764100 402 3,429 SH   SOLE 0 1,279 0 2,150
ISHARES NATIONAL MUNI BOND ETF ETF 464288414 8,481 72,935 SH   SOLE 0 2,908 0 70,027
VANGUARD FTSE DEVELOPED MARKETS ETF ETF 921943858 65,062 1,274,225 SH   SOLE 0 30,515 0 1,243,710
SPDR S&P DIVIDEND ETF ETF 78464A763 212 1,640 SH   SOLE 0 0 0 1,640
ISHARES INTERNATIONAL SELECT DIVIDEND ETF ETF 464288448 3,137 100,623 SH   SOLE 0 20,849 0 79,774
INTERNATIONAL BUSINESS MACHS COM Stock 459200101 392 2,933 SH   SOLE 0 936 0 1,997
ORACLE CORP COM Stock 68389X105 365 4,186 SH   SOLE 0 0 0 4,186
VANGUARD FTSE EMERGING MARKETS ETF ETF 922042858 1,779 35,969 SH   SOLE 0 69 0 35,900
VANGUARD HIGH DIVIDEND YIELD ETF ETF 921946406 26,963 240,516 SH   SOLE 0 5,119 0 235,397
PFIZER INC COM Stock 717081103 315 5,334 SH   SOLE 0 0 0 5,334
3M CO COM Stock 88579Y101 524 2,951 SH   SOLE 0 1,102 0 1,849
SPDR SSGA ULTRA SHORT TERM BOND ETF ETF 78467V707 9,983 247,586 SH   SOLE 0 5,241 0 242,345
AMGEN INC COM Stock 031162100 360 1,600 SH   SOLE 0 562 0 1,038
APPLIED MATLS INC COM Stock 038222105 217 1,380 SH   SOLE 0 1,380 0 0
VANECK SHORT HIGH YIELD MUNI ETF ETF 92189F387 1,565 62,214 SH   SOLE 0 74 0 62,140
ISHARES CORE U.S. AGGREGATE BOND ETF ETF 464287226 13,322 116,781 SH   SOLE 0 1,925 0 114,855
ISHARES S&P SMALL-CAP 600 VALUE ETF ETF 464287879 20,205 193,380 SH   SOLE 0 5,063 0 188,317
INVESCO BULLETSHARES 2023 CORPORATE BOND ETF ETF 46138J866 3,328 155,073 SH   SOLE 0 2,559 0 152,513
INVESCO BULLETSHARES 2024 CORPORATE BOND ETF ETF 46138J841 3,311 151,655 SH   SOLE 0 2,304 0 149,351
VANGUARD SHORT-TERM BOND INDEX FUND ETF 921937827 7,021 86,858 SH   SOLE 0 1,704 0 85,154
VANGUARD MEGA CAP ETF ETF 921910873 1,495 8,893 SH   SOLE 0 42 0 8,851
EXXON MOBIL CORP COM Stock 30231G102 223 3,645 SH   SOLE 0 0 0 3,645
LOWES COS INC COM Stock 548661107 574 2,221 SH   SOLE 0 0 0 2,221
COLGATE PALMOLIVE CO COM Stock 194162103 226 2,645 SH   SOLE 0 0 0 2,645
SPDR PORTFOLIO DEVELOPED WORLD EX-US ETF ETF 78463X889 5,820 159,599 SH   SOLE 0 10,553 0 149,046
VANGUARD TAX-EXEMPT BOND ETF ETF 922907746 12,709 231,443 SH   SOLE 0 9,219 0 222,224
ISHARES MSCI EAFE ETF ETF 464287465 20,160 256,232 SH   SOLE 0 1,249 0 254,983
APPLE INC COM Stock 037833100 1,195 6,732 SH   SOLE 0 700 0 6,032
DISNEY WALT CO COM Stock 254687106 306 1,974 SH   SOLE 0 896 0 1,078
ISHARES RUSSELL 1000 ETF ETF 464287622 238 899 SH   SOLE 0 0 0 899