Summit Wealth & Retirement Planning 13F-HR Quarterly holdings report by institutional manager

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
INOVIO PHARMACEUTICALS INC	COM NEW	45773H201	162	17,465	SH		SOLE		0	0	17,465
VISTRA CORP	COM	92840M102	199	11,280	SH		SOLE		0	0	11,280
INVESCO QQQ TR	UNIT SER 1	46090E103	203	636	SH		SOLE		0	0	636
BK OF AMERICA CORP	COM	060505104	211	5,462	SH		SOLE		0	0	5,462
TAIWAN SEMICONDUCTOR MFG LTD	SPONSORED ADS	874039100	212	1,795	SH		SOLE		0	0	1,795
ISHARES TR	RUS MID CAP ETF	464287499	223	3,019	SH		SOLE		0	0	3,019
NIKE INC	CL B	654106103	224	1,686	SH		SOLE		0	0	1,686
LIVERAMP HLDGS INC	COM	53815P108	229	4,415	SH		SOLE		0	0	4,415
SAREPTA THERAPEUTICS INC	COM	803607100	233	3,125	SH		SOLE		0	0	3,125
WALMART INC	COM	931142103	234	1,726	SH		SOLE		0	0	1,726
CRH PLC	ADR	12626K203	235	5,000	SH		SOLE		0	0	5,000
ISHARES TR	SP SMCP600VL ETF	464287879	238	2,364	SH		SOLE		0	0	2,364
CORTEVA INC	COM	22052L104	243	5,216	SH		SOLE		0	0	5,216
ZENDESK INC	COM	98936J101	249	1,881	SH		SOLE		0	0	1,881
ECOLAB INC	COM	278865100	270	1,262	SH		SOLE		0	0	1,262
FACEBOOK INC	CL A	30303M102	272	925	SH		SOLE		0	0	925
QUALCOMM INC	COM	747525103	277	2,090	SH		SOLE		0	0	2,090
AMERIPRISE FINL INC	COM	03076C106	279	1,200	SH		SOLE		0	0	1,200
ROYAL DUTCH SHELL PLC	SPONS ADR A	780259206	314	8,000	SH		SOLE		0	0	8,000
CO-DIAGNOSTICS INC	COM	189763105	343	35,905	SH		SOLE		0	0	35,905
CSX CORP	COM	126408103	356	3,691	SH		SOLE		0	0	3,691
JPMORGAN CHASE & CO	COM	46625H100	358	2,350	SH		SOLE		0	0	2,350
HEWLETT PACKARD ENTERPRISE C	COM	42824C109	390	24,800	SH		SOLE		0	0	24,800
STELLANTIS N.V	SHS	N82405106	391	21,996	SH		SOLE		0	0	21,996
VIATRIS INC	COM	92556V106	404	28,947	SH		SOLE		0	0	28,947
ISHARES TR	1 3 YR TREAS BD	464287457	426	4,938	SH		SOLE		0	0	4,938
FLEXSHARES TR	CR SCORED LONG	33939L753	428	7,448	SH		SOLE		0	0	7,448
DIAGEO PLC	SPON ADR NEW	25243Q205	461	2,806	SH		SOLE		0	0	2,806
COMCAST CORP NEW	CL A	20030N101	490	9,061	SH		SOLE		0	0	9,061
PRIMORIS SVCS CORP	COM	74164F103	493	14,885	SH		SOLE		0	0	14,885
WASTE MGMT INC DEL	COM	94106L109	561	4,350	SH		SOLE		0	0	4,350
AGILENT TECHNOLOGIES INC	COM	00846U101	582	4,576	SH		SOLE		0	0	4,576
ISHARES TR	RUSSELL 3000 ETF	464287689	608	2,564	SH		SOLE		0	0	2,564
VANECK VECTORS ETF TR	CHINAAMC CHINA B	92189F379	613	25,828	SH		SOLE		0	0	25,828
MEDIFAST INC	COM	58470H101	643	3,034	SH		SOLE		0	0	3,034
DUKE REALTY CORP	COM NEW	264411505	648	15,463	SH		SOLE		0	0	15,463
ALPHABET INC	CAP STK CL C	02079K107	652	315	SH		SOLE		0	0	315
TESLA INC	COM	88160R101	672	1,006	SH		SOLE		0	0	1,006
VANECK VECTORS ETF TR	HIGH YLD MUN ETF	92189H409	701	11,275	SH		SOLE		0	0	11,275
BLUEPRINT MEDICINES CORP	COM	09627Y109	706	7,265	SH		SOLE		0	0	7,265
CRESTWOOD EQUITY PARTNERS LP	UNIT LTD PARTNER	226344208	712	25,503	SH		SOLE		0	0	25,503
PROSHARES TR	INVT INT RT HG	74347B607	724	9,390	SH		SOLE		0	0	9,390
GUARDANT HEALTH INC	COM	40131M109	725	4,752	SH		SOLE		0	0	4,752
PALO ALTO NETWORKS INC	COM	697435105	737	2,287	SH		SOLE		0	0	2,287
BRISTOL-MYERS SQUIBB CO	COM	110122108	755	11,961	SH		SOLE		0	0	11,961
SALESFORCE COM INC	COM	79466L302	785	3,703	SH		SOLE		0	0	3,703
ALIBABA GROUP HLDG LTD	SPONSORED ADS	01609W102	787	3,470	SH		SOLE		0	0	3,470
HP INC	COM	40434L105	787	24,800	SH		SOLE		0	0	24,800
STATE STR CORP	COM	857477103	807	9,605	SH		SOLE		0	0	9,605
AMERICAN EXPRESS CO	COM	025816109	856	6,050	SH		SOLE		0	0	6,050
FUTU HLDGS LTD	SPON ADS CL A	36118L106	876	5,515	SH		SOLE		0	0	5,515
KINDER MORGAN INC DEL	COM	49456B101	889	53,398	SH		SOLE		0	0	53,398
ISHARES TR	IBOXX INV CP ETF	464287242	906	6,965	SH		SOLE		0	0	6,965
T-MOBILE US INC	COM	872590104	918	7,325	SH		SOLE		0	0	7,325
FLEXSHARES TR	CR SCD US BD	33939L761	968	18,090	SH		SOLE		0	0	18,090
FLEXSHARES TR	HIG YLD VL ETF	33939L662	1,020	20,596	SH		SOLE		0	0	20,596
ETF SER SOLUTIONS	DEFIANCE NXT GN	26922B204	1,035	39,185	SH		SOLE		0	0	39,185
VISA INC	COM CL A	92826C839	1,057	4,990	SH		SOLE		0	0	4,990
GENERAL ELECTRIC CO	COM	369604103	1,160	88,378	SH		SOLE		0	0	88,378
VANGUARD INDEX FDS	S&P 500 ETF SHS	922908363	1,174	3,222	SH		SOLE		0	0	3,222
PENNYMAC FINL SVCS INC NEW	COM	70932M107	1,185	17,716	SH		SOLE		0	0	17,716
INGERSOLL RAND INC	COM	45687V106	1,229	24,966	SH		SOLE		0	0	24,966
SCHWAB STRATEGIC TR	US DIVIDEND EQ	808524797	1,234	16,923	SH		SOLE		0	0	16,923
ELECTRONIC ARTS INC	COM	285512109	1,590	11,748	SH		SOLE		0	0	11,748
AMAZON COM INC	COM	023135106	1,686	545	SH		SOLE		0	0	545
ALPHABET INC	CAP STK CL A	02079K305	1,737	842	SH		SOLE		0	0	842
ISHARES TR	CALIF MUN BD ETF	464288356	1,791	28,837	SH		SOLE		0	0	28,837
MICROSOFT CORP	COM	594918104	1,796	7,618	SH		SOLE		0	0	7,618
ISHARES TR	RUS 1000 GRW ETF	464287614	1,864	7,669	SH		SOLE		0	0	7,669
ISHARES TR	JPMORGAN USD EMG	464288281	1,886	17,321	SH		SOLE		0	0	17,321
VANECK VECTORS ETF TR	SHRT HGH YLD MUN	92189F387	2,009	80,265	SH		SOLE		0	0	80,265
VANECK VECTORS ETF TR	JP MORGAN MKTS	92189H300	2,079	67,778	SH		SOLE		0	0	67,778
ISHARES TR	0-5YR HI YL CP	46434V407	2,103	45,915	SH		SOLE		0	0	45,915
VANECK VECTORS ETF TR	FALLEN ANGEL HG	92189F437	2,211	69,248	SH		SOLE		0	0	69,248
VANECK VECTORS ETF TR	EMERGING MKTS HI	92189F353	2,347	99,338	SH		SOLE		0	0	99,338
SPDR SER TR	NUVEEN BBG BRCLY	78464A284	2,648	44,639	SH		SOLE		0	0	44,639
INVESCO EXCH TRADED FD TR II	CALIF AMT MUN	46138E206	2,908	105,109	SH		SOLE		0	0	105,109
SPDR SER TR	BLOMBERG BRC INT	78464A334	3,174	100,769	SH		SOLE		0	0	100,769
APPLE INC	COM	037833100	3,625	29,675	SH		SOLE		0	0	29,675
VANGUARD SCOTTSDALE FDS	INTER TERM TREAS	92206C706	3,636	54,079	SH		SOLE		0	0	54,079
SCHWAB STRATEGIC TR	US BRD MKT ETF	808524102	3,809	39,387	SH		SOLE		0	0	39,387
ISHARES TR	RUSSELL 2000 ETF	464287655	3,965	17,944	SH		SOLE		0	0	17,944
ISHARES TR	MSCI EMG MKT ETF	464287234	4,257	79,813	SH		SOLE		0	0	79,813
ISHARES TR	CORE US AGGBD ET	464287226	4,407	38,716	SH		SOLE		0	0	38,716
INVESCO EXCH TRADED FD TR II	NATL AMT MUNI	46138E537	4,864	181,759	SH		SOLE		0	0	181,759
ISHARES TR	RUS 1000 VAL ETF	464287598	5,733	37,829	SH		SOLE		0	0	37,829
ISHARES TR	MSCI EAFE ETF	464287465	6,231	82,133	SH		SOLE		0	0	82,133
SCHWAB STRATEGIC TR	EMRG MKTEQ ETF	808524706	7,180	225,939	SH		SOLE		0	0	225,939
TIDAL ETF TR	RPAR RISK PARI	886364603	7,281	320,472	SH		SOLE		0	0	320,472
ISHARES TR	MBS ETF	464288588	7,446	68,679	SH		SOLE		0	0	68,679
ABERDEEN STD PRECIOUS METALS	PHYSCL PM BASKET	003263100	7,693	83,010	SH		SOLE		0	0	83,010
SCHWAB STRATEGIC TR	US SML CAP ETF	808524607	8,035	80,619	SH		SOLE		0	0	80,619
ISHARES TR	MODERT ALLOC ETF	464289875	8,986	206,337	SH		SOLE		0	0	206,337
SCHWAB STRATEGIC TR	INTL EQTY ETF	808524805	11,862	315,323	SH		SOLE		0	0	315,323
ISHARES TR	NATIONAL MUN ETF	464288414	12,458	107,349	SH		SOLE		0	0	107,349
SCHWAB STRATEGIC TR	US LCAP VA ETF	808524409	14,462	221,533	SH		SOLE		0	0	221,533
VANGUARD BD INDEX FDS	INTERMED TERM	921937819	21,133	238,167	SH		SOLE		0	0	238,167
VANGUARD WORLD FD	MEGA CAP INDEX	921910873	25,818	184,109	SH		SOLE		0	0	184,109
SCHWAB STRATEGIC TR	US LCAP GR ETF	808524300	27,601	212,674	SH		SOLE		0	0	212,674