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
Expires: July 31, 2015
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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
3M CO COM 88579Y101 326,494 2,529 SH SOLE 0 0 2,529
ALLSTATE CORP COM 020002101 228,071 1,183 SH SOLE 0 0 1,183
AMGEN INC COM 031162100 218,244 837 SH SOLE 0 0 837
APPLE INC COM 037833100 5,014,713 20,025 SH SOLE 0 0 20,025
AT&T INC COM 00206R102 207,116 9,096 SH SOLE 0 0 9,096
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 4,339,779 9,574 SH SOLE 0 0 9,574
BROADCOM INC COM 11135F101 2,252,560 9,716 SH SOLE 0 0 9,716
CATERPILLAR INC COM 149123101 285,133 786 SH SOLE 0 0 786
CHEVRON CORP NEW COM 166764100 381,763 2,636 SH SOLE 0 0 2,636
CORTEVA INC COM 22052L104 1,025,365 18,001 SH SOLE 0 0 18,001
COSTCO WHSL CORP NEW COM 22160K105 1,508,850 1,647 SH SOLE 0 0 1,647
DEERE & CO COM 244199105 202,846 479 SH SOLE 0 0 479
DOW INC COM 260557103 719,606 17,932 SH SOLE 0 0 17,932
DUPONT DE NEMOURS INC COM 26614N102 972,297 12,751 SH SOLE 0 0 12,751
EXXON MOBIL CORP COM 30231G102 342,296 3,182 SH SOLE 0 0 3,182
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309 4,024,428 89,691 SH SOLE 0 0 89,691
ALPHABET INC CAP STK CL A 02079K305 1,696,654 8,963 SH SOLE 0 0 8,963
HOME DEPOT INC COM 437076102 626,140 1,610 SH SOLE 0 0 1,610
INTERNATIONAL BUSINESS MACHS COM 459200101 217,736 990 SH SOLE 0 0 990
INVESCO EXCHANGE TRADED FD T S&P500 EQL HLT 46137V332 1,049,989 35,836 SH SOLE 0 0 35,836
ISHARES GOLD TR ISHARES NEW 464285204 2,284,837 46,149 SH SOLE 0 0 46,149
ISHARES TR CORE S&P500 ETF 464287200 228,343 388 SH SOLE 0 0 388
ISHARES TR RUSEL 2500 ETF 46435G268 317,533 4,670 SH SOLE 0 0 4,670
JOHNSON & JOHNSON COM 478160104 225,250 1,558 SH SOLE 0 0 1,558
J P MORGAN EXCHANGE TRADED F ULTRA SHRT ETF 46641Q837 1,768,261 35,105 SH SOLE 0 0 35,105
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332 1,703,439 29,610 SH SOLE 0 0 29,610
J P MORGAN EXCHANGE TRADED F INCOME ETF 46641Q159 4,384,712 96,114 SH SOLE 0 0 96,114
J P MORGAN EXCHANGE TRADED F MUNICIPAL ETF 46641Q647 3,672,682 73,234 SH SOLE 0 0 73,234
J P MORGAN EXCHANGE TRADED F ULTRA SHT MUNCPL 46641Q654 1,319,864 26,028 SH SOLE 0 0 26,028
KRATOS DEFENSE & SEC SOLUTIO COM NEW 50077B207 276,990 10,500 SH SOLE 0 0 10,500
LOCKHEED MARTIN CORP COM 539830109 947,920 1,951 SH SOLE 0 0 1,951
MCDONALDS CORP COM 580135101 353,096 1,218 SH SOLE 0 0 1,218
MERCK & CO INC COM 58933Y105 662,071 6,655 SH SOLE 0 0 6,655
MICROSOFT CORP COM 594918104 1,154,565 2,739 SH SOLE 0 0 2,739
NVIDIA CORPORATION COM 67066G104 3,101,616 23,096 SH SOLE 0 0 23,096
PFIZER INC COM 717081103 323,601 12,198 SH SOLE 0 0 12,198
PROCTER AND GAMBLE CO COM 742718109 362,262 2,161 SH SOLE 0 0 2,161
PROSHARES TR S&P 500 DV ARIST 74348A467 343,431 3,450 SH SOLE 0 0 3,450
SCHWAB CHARLES FAMILY FD AMT TAX FREE MNY 808515530 12,766,056 12,766,056 SH SOLE 0 0 12,766,056
SCHWAB STRATEGIC TR FUNDAMENTAL INTL 808524755 222,514 6,700 SH SOLE 0 0 6,700
SCHWAB STRATEGIC TR INTERNL DIVID 808524672 2,903,065 125,565 SH SOLE 0 0 125,565
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 9,864,784 361,083 SH SOLE 0 0 361,083
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 753,878 27,206 SH SOLE 0 0 27,206
SCHWAB STRATEGIC TR FUNDAMENTAL US S 808524763 1,009,042 33,974 SH SOLE 0 0 33,974
SPDR SER TR PORTFOLIO S&P600 78468R853 229,032 5,099 SH SOLE 0 0 5,099
SPDR SER TR PORTFOLI S&P1500 78464A805 1,065,038 14,910 SH SOLE 0 0 14,910
SPDR S&P 500 ETF TR TR UNIT 78462F103 237,934 406 SH SOLE 0 0 406
STRYKER CORPORATION COM 863667101 216,030 600 SH SOLE 0 0 600
T ROWE PRICE ETF INC FLOATING RATE 87283Q883 300,870 5,821 SH SOLE 0 0 5,821
TOYOTA MOTOR CORP ADS 892331307 265,448 1,364 SH SOLE 0 0 1,364
UNION PAC CORP COM 907818108 519,422 2,278 SH SOLE 0 0 2,278
VANECK ETF TRUST MRNGSTR WDE MOAT 92189F643 268,115 2,892 SH SOLE 0 0 2,892
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 799,910 4,210 SH SOLE 0 0 4,210
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 1,484,218 7,579 SH SOLE 0 0 7,579
VANGUARD WORLD FD HEALTH CAR ETF 92204A504 421,314 1,661 SH SOLE 0 0 1,661
VANGUARD WORLD FD INF TECH ETF 92204A702 531,446 855 SH SOLE 0 0 855
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810 2,654,543 33,186 SH SOLE 0 0 33,186
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 2,023,310 35,243 SH SOLE 0 0 35,243
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 2,980,797 38,576 SH SOLE 0 0 38,576
VANGUARD INDEX FDS TOTAL STK MKT 922908769 525,943 1,815 SH SOLE 0 0 1,815
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 428,337 4,808 SH SOLE 0 0 4,808
VISTRA CORP COM 92840M102 336,541 2,441 SH SOLE 0 0 2,441
WALMART INC COM 931142103 1,127,392 12,478 SH SOLE 0 0 12,478