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
AT&T INC COM 00206R102 706 23,341 SH   SOLE   0 0 23,341
ALTRIA GROUP INC COM 02209S103 407 10,363 SH   SOLE   0 0 10,363
APPLE INC COM 037833100 44,908 123,102 SH   SOLE   0 0 123,102
BK OF AMERICA CORP COM 060505104 798 33,619 SH   SOLE   0 0 33,619
BLACKROCK MUN TARGET TERM TR COM SHS BEN IN 09257P105 904 38,033 SH   SOLE   0 0 38,033
BOEING CO COM 097023105 1,969 10,740 SH   SOLE   0 0 10,740
BRISTOL-MYERS SQUIBB CO COM 110122108 798 13,579 SH   SOLE   0 0 13,579
CARRIER GLOBAL CORPORATION COM 14448C104 439 19,749 SH   SOLE   0 0 19,749
CHEVRON CORP NEW COM 166764100 1,206 13,516 SH   SOLE   0 0 13,516
CISCO SYS INC COM 17275R102 656 14,073 SH   SOLE   0 0 14,073
COCA COLA CO COM 191216100 1,138 25,477 SH   SOLE   0 0 25,477
COHEN & STEERS QUALITY INCOM COM 19247L106 278 25,424 SH   SOLE   0 0 25,424
COUNTY BANCORP INC COM 221907108 627 29,948 SH   SOLE   0 0 29,948
DEVON ENERGY CORP NEW COM 25179M103 1,784 157,291 SH   SOLE   0 0 157,291
ENBRIDGE INC COM 29250N105 571 18,782 SH   SOLE   0 0 18,782
ENTERPRISE PRODS PARTNERS L COM 293792107 351 19,316 SH   SOLE   0 0 19,316
EXELON CORP COM 30161N101 1,757 48,412 SH   SOLE   0 0 48,412
EXXON MOBIL CORP COM 30231G102 743 16,609 SH   SOLE   0 0 16,609
FIRST TR EXCHANGE TRADED FD DJ GLBL DIVID 33734X200 389 21,608 SH   SOLE   0 0 21,608
FORD MTR CO DEL COM 345370860 365 60,070 SH   SOLE   0 0 60,070
INTEL CORP COM 458140100 1,486 24,832 SH   SOLE   0 0 24,832
INTERNATIONAL BUSINESS MACHS COM 459200101 1,528 12,656 SH   SOLE   0 0 12,656
INVESCO CALIF MUN INCOME TR COM 46132P108 207 14,352 SH   SOLE   0 0 14,352
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1500 46137V597 2,111 18,901 SH   SOLE   0 0 18,901
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354 15,422 310,430 SH   SOLE   0 0 310,430
INVESCO EXCHANGE-TRADED FD T SR LN ETF 46138G508 563 26,365 SH   SOLE   0 0 26,365
GOLD TRUST ISHARES 464285105 212 12,456 SH   SOLE   0 0 12,456
ISHARES INC JP MRGN EM HI BD 464286285 1,205 28,020 SH   SOLE   0 0 28,020
ISHARES INC EM MKTS DIV ETF 464286319 5,174 165,202 SH   SOLE   0 0 165,202
ISHARES TR CORE S&P TTL STK 464287150 18,264 263,023 SH   SOLE   0 0 263,023
ISHARES TR SELECT DIVID ETF 464287168 1,212 15,018 SH   SOLE   0 0 15,018
ISHARES TR CORE S&P500 ETF 464287200 25,047 80,879 SH   SOLE   0 0 80,879
ISHARES TR CORE US AGGBD ET 464287226 104,757 886,194 SH   SOLE   0 0 886,194
ISHARES TR MSCI EMG MKT ETF 464287234 2,364 59,120 SH   SOLE   0 0 59,120
ISHARES TR IBOXX INV CP ETF 464287242 1,513 11,253 SH   SOLE   0 0 11,253
ISHARES TR S&P 500 GRWT ETF 464287309 90,115 434,312 SH   SOLE   0 0 434,312
ISHARES TR S&P 500 VAL ETF 464287408 79,927 738,630 SH   SOLE   0 0 738,630
ISHARES TR 1 3 YR TREAS BD 464287457 4,978 57,476 SH   SOLE   0 0 57,476
ISHARES TR MSCI EAFE ETF 464287465 3,801 62,452 SH   SOLE   0 0 62,452
ISHARES TR RUS MID CAP ETF 464287499 985 18,378 SH   SOLE   0 0 18,378
ISHARES TR CORE S&P MCP ETF 464287507 38,556 216,825 SH   SOLE   0 0 216,825
ISHARES TR RUS 1000 VAL ETF 464287598 4,014 35,646 SH   SOLE   0 0 35,646
ISHARES TR RUS 1000 GRW ETF 464287614 7,287 37,961 SH   SOLE   0 0 37,961
ISHARES TR RUSSELL 2000 ETF 464287655 2,384 16,652 SH   SOLE   0 0 16,652
ISHARES TR CORE S&P SCP ETF 464287804 21,358 312,757 SH   SOLE   0 0 312,757
ISHARES TR SHRT NAT MUN ETF 464288158 23,555 218,388 SH   SOLE   0 0 218,388
ISHARES TR JPMORGAN USD EMG 464288281 23,698 216,977 SH   SOLE   0 0 216,977
ISHARES TR NATIONAL MUN ETF 464288414 106,842 925,837 SH   SOLE   0 0 925,837
ISHARES TR INTL SEL DIV ETF 464288448 1,096 43,620 SH   SOLE   0 0 43,620
ISHARES TR MBS ETF 464288588 5,305 47,920 SH   SOLE   0 0 47,920
ISHARES TR USD INV GRDE ETF 464288620 9,575 158,471 SH   SOLE   0 0 158,471
ISHARES TR SH TR CRPORT ETF 464288646 6,038 110,357 SH   SOLE   0 0 110,357
ISHARES TR PFD AND INCM SEC 464288687 7,099 204,946 SH   SOLE   0 0 204,946
ISHARES TR US TREAS BD ETF 46429B267 8,434 301,309 SH   SOLE   0 0 301,309
ISHARES TR FLTG RATE NT ETF 46429B655 5,993 118,453 SH   SOLE   0 0 118,453
ISHARES TR CORE HIGH DV ETF 46429B663 1,613 19,872 SH   SOLE   0 0 19,872
ISHARES TR MIN VOL EAFE ETF 46429B689 12,605 190,807 SH   SOLE   0 0 190,807
ISHARES TR MSCI MIN VOL ETF 46429B697 5,119 84,432 SH   SOLE   0 0 84,432
ISHARES TR USA QUALITY FCTR 46432F339 79,845 832,416 SH   SOLE   0 0 832,416
ISHARES TR CORE MSCI TOTAL 46432F834 17,287 317,083 SH   SOLE   0 0 317,083
ISHARES TR CORE MSCI EAFE 46432F842 97,265 1,701,627 SH   SOLE   0 0 1,701,627
ISHARES INC CORE MSCI EMKT 46434G103 32,477 682,288 SH   SOLE   0 0 682,288
ISHARES TR 0-5YR HI YL CP 46434V407 3,272 76,297 SH   SOLE   0 0 76,297
ISHARES TR INTL QLTY FACTOR 46434V456 28,769 978,216 SH   SOLE   0 0 978,216
ISHARES TR IBONDS SEP2020 46434V571 3,262 127,970 SH   SOLE   0 0 127,970
ISHARES TR CORE DIV GRWTH 46434V621 4,614 122,701 SH   SOLE   0 0 122,701
ISHARES TR CUR HD EURZN ETF 46434V639 2,297 81,640 SH   SOLE   0 0 81,640
ISHARES TR HDG MSCI EAFE 46434V803 715 25,925 SH   SOLE   0 0 25,925
ISHARES TR IBONDS DEC20 ETF 46434VAQ3 2,646 104,453 SH   SOLE   0 0 104,453
ISHARES TR IBONDS DEC23 ETF 46434VAX8 1,652 62,968 SH   SOLE   0 0 62,968
ISHARES TR IBONDS DEC22 ETF 46434VBA7 2,639 102,751 SH   SOLE   0 0 102,751
ISHARES TR IBONDS DEC25 ETF 46434VBD1 990 36,699 SH   SOLE   0 0 36,699
ISHARES TR IBONDS DEC24 ETF 46434VBG4 1,567 59,447 SH   SOLE   0 0 59,447
ISHARES TR IBONDS DEC21 ETF 46434VBK5 2,513 99,906 SH   SOLE   0 0 99,906
ISHARES TR IBONDS DEC2023 46435G318 2,307 87,918 SH   SOLE   0 0 87,918
ISHARES TR IBONDS DEC2022 46435G755 3,510 132,852 SH   SOLE   0 0 132,852
ISHARES TR IBONDS DEC2021 46435G789 4,334 167,059 SH   SOLE   0 0 167,059
ISHARES TR IBONDS DEC2026 46435GAA0 1,104 41,393 SH   SOLE   0 0 41,393
ISHARES TR IBONDS DEC 26 46435U259 1,614 60,520 SH   SOLE   0 0 60,520
ISHARES TR IBONDS DEC 28 46435U325 1,168 43,104 SH   SOLE   0 0 43,104
ISHARES TR IBONDS DEC 25 46435U432 944 33,875 SH   SOLE   0 0 33,875
ISHARES TR IBDS DEC28 ETF 46435U515 378 13,116 SH   SOLE   0 0 13,116
ISHARES TR IBONDS DEC 46435U697 1,223 45,330 SH   SOLE   0 0 45,330
ISHARES TR IBONDS 27 ETF 46435UAA9 450 16,687 SH   SOLE   0 0 16,687
J P MORGAN EXCHANGE-TRADED F ULTRA SHRT INC 46641Q837 38,966 768,111 SH   SOLE   0 0 768,111
KIRKLAND LAKE GOLD LTD COM 49741E100 442 10,712 SH   SOLE   0 0 10,712
MARATHON PETE CORP COM 56585A102 380 10,172 SH   SOLE   0 0 10,172
MATTHEWS INTL CORP CL A 577128101 247 12,932 SH   SOLE   0 0 12,932
MERCK & CO. INC COM 58933Y105 2,257 29,183 SH   SOLE   0 0 29,183
MICROSOFT CORP COM 594918104 8,345 41,007 SH   SOLE   0 0 41,007
MONDELEZ INTL INC CL A 609207105 562 10,999 SH   SOLE   0 0 10,999
NUVEEN AMT FREE QLTY MUN INC COM 670657105 3,239 233,022 SH   SOLE   0 0 233,022
NUVEEN QUALITY MUNCP INCOME COM 67066V101 4,759 339,438 SH   SOLE   0 0 339,438
NUVEEN MUN HIGH INCOME OPPOR COM 670682103 3,240 245,655 SH   SOLE   0 0 245,655
NUVEEN MUNICIPAL CREDIT INC COM SH BEN INT 67070X101 685 46,441 SH   SOLE   0 0 46,441
NUVEEN AMT FREE MUN CR INC F COM 67071L106 1,076 70,401 SH   SOLE   0 0 70,401
NUVEEN MUN VALUE FD INC COM 670928100 654 64,131 SH   SOLE   0 0 64,131
ORACLE CORP COM 68389X105 570 10,314 SH   SOLE   0 0 10,314
OTIS WORLDWIDE CORP COM 68902V107 574 10,092 SH   SOLE   0 0 10,092
PG&E CORP COM 69331C108 266 30,038 SH   SOLE   0 0 30,038
PFIZER INC COM 717081103 680 20,784 SH   SOLE   0 0 20,784
PIONEER MUN HIGH INCOME ADVA COM 723762100 1,805 171,769 SH   SOLE   0 0 171,769
PIONEER MUN HIGH INCOME TR COM SHS 723763108 2,050 181,563 SH   SOLE   0 0 181,563
PROCTER AND GAMBLE CO COM 742718109 2,331 19,493 SH   SOLE   0 0 19,493
PROSHARES TR S&P 500 DV ARIST 74348A467 44,158 655,643 SH   SOLE   0 0 655,643
RAYTHEON TECHNOLOGIES CORP COM 75513E101 1,296 21,026 SH   SOLE   0 0 21,026
ROCKWELL AUTOMATION INC COM 773903109 11,942 56,065 SH   SOLE   0 0 56,065
SBA COMMUNICATIONS CORP NEW CL A 78410G104 3,458 11,607 SH   SOLE   0 0 11,607
SPDR S&P 500 ETF TR TR UNIT 78462F103 4,923 15,966 SH   SOLE   0 0 15,966
SPDR INDEX SHS FDS MSCI ACWI EXUS 78463X848 20,032 884,003 SH   SOLE   0 0 884,003
SPDR SER TR BLOMBRG BRC INTL 78464A151 5,027 149,509 SH   SOLE   0 0 149,509
SPDR SER TR PRTFLO S&P500 GW 78464A409 12,763 284,128 SH   SOLE   0 0 284,128
SPDR SER TR PRTFLO S&P500 VL 78464A508 339 11,683 SH   SOLE   0 0 11,683
SPDR SER TR S&P DIVID ETF 78464A763 6,604 72,411 SH   SOLE   0 0 72,411
SPDR SER TR NUVEEN BRC MUNIC 78468R721 16,463 318,673 SH   SOLE   0 0 318,673
SPDR SER TR NUVEEN BLMBRG SR 78468R739 3,328 66,726 SH   SOLE   0 0 66,726
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 41,185 560,575 SH   SOLE   0 0 560,575
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 1,174 15,840 SH   SOLE   0 0 15,840
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 28,512 280,798 SH   SOLE   0 0 280,798
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 22,722 453,444 SH   SOLE   0 0 453,444
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 912 17,332 SH   SOLE   0 0 17,332
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 1,339 54,980 SH   SOLE   0 0 54,980
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755 649 27,346 SH   SOLE   0 0 27,346
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 10,052 337,885 SH   SOLE   0 0 337,885
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 25,165 447,462 SH   SOLE   0 0 447,462
SCHWAB STRATEGIC TR US REIT ETF 808524847 553 15,699 SH   SOLE   0 0 15,699
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886 2,274 40,289 SH   SOLE   0 0 40,289
STARBUCKS CORP COM 855244109 1,028 13,976 SH   SOLE   0 0 13,976
UNITED STS COMMODITY INDEX F COMM IDX FND 911717106 598 22,500 SH   SOLE   0 0 22,500
VANECK VECTORS ETF TR SHORT HIGH YIELD 92189F387 2,444 102,617 SH   SOLE   0 0 102,617
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 28,403 242,391 SH   SOLE   0 0 242,391
VANGUARD STAR FDS VG TL INTL STK F 921909768 614 12,480 SH   SOLE   0 0 12,480
VANGUARD WORLD FD ESG US STK ETF 921910733 764 13,548 SH   SOLE   0 0 13,548
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 1,287 15,485 SH   SOLE   0 0 15,485
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 22,616 256,014 SH   SOLE   0 0 256,014
VANGUARD TAX-MANAGED FDS FTSE DEV MKT ETF 921943858 14,043 362,037 SH   SOLE   0 0 362,037
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 3,291 44,000 SH   SOLE   0 0 44,000
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 41,429 870,170 SH   SOLE   0 0 870,170
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 2,135 53,891 SH   SOLE   0 0 53,891
VANGUARD INTL EQUITY INDEX F FTSE PACIFIC ETF 922042866 1,180 18,535 SH   SOLE   0 0 18,535
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 1,047 20,800 SH   SOLE   0 0 20,800
VANGUARD WORLD FDS INF TECH ETF 92204A702 28,414 101,949 SH   SOLE   0 0 101,949
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 1,047 12,672 SH   SOLE   0 0 12,672
VANGUARD SCOTTSDALE FDS LG-TERM COR BD 92206C813 13,551 127,488 SH   SOLE   0 0 127,488
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 18,323 192,589 SH   SOLE   0 0 192,589
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 25,568 472,263 SH   SOLE   0 0 472,263
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 69,102 243,807 SH   SOLE   0 0 243,807
VANGUARD INDEX FDS GROWTH ETF 922908736 4,287 21,212 SH   SOLE   0 0 21,212
VANGUARD INDEX FDS VALUE ETF 922908744 3,132 31,448 SH   SOLE   0 0 31,448
VANGUARD INDEX FDS TOTAL STK MKT 922908769 2,390 15,270 SH   SOLE   0 0 15,270
VERIZON COMMUNICATIONS INC COM 92343V104 743 13,482 SH   SOLE   0 0 13,482
WALGREENS BOOTS ALLIANCE INC COM 931427108 487 11,487 SH   SOLE   0 0 11,487
WELLS FARGO CO NEW COM 949746101 445 17,369 SH   SOLE   0 0 17,369
WHEATON PRECIOUS METALS CORP COM 962879102 524 11,888 SH   SOLE   0 0 11,888
WISDOMTREE TR US MIDCAP DIVID 97717W505 1,914 67,527 SH   SOLE   0 0 67,527