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
APPLE INC COM 037833100 BBG001S5N8V8 1,455,078 7,557 SH   SOLE   7,557 0 0
BERKSHIRE HATHAWAY INC DEL CL A 084670108 BBG001S902J2 1,085,250 200 SH   SOLE   200 0 0
EXXON MOBIL CORP COM 30231G102 BBG001S69V32 232,526 2,325 SH   SOLE   2,325 0 0
FIDELITY MERRIMACK STR TR LTD TRM BD ETF 316188200 BBG0078XLZ93 321,890 6,543 SH   SOLE   6,543 0 0
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309 BBG0078X1341 14,534,528 315,693 SH   SOLE   315,693 0 0
FIRST TR EXCH TRADED FD III MANAGD MUN ETF 33739N108 BBG006H1W526 4,191,114 81,121 SH   SOLE   81,121 0 0
INVESCO ACTVELY MNGD ETC FD OPTIMUM YIELD 46090F100 BBG007HL81B6 4,873,222 366,407 SH   SOLE   366,407 0 0
INVESCO EXCHANGE TRADED FD T S&P 500 GARP ETF 46137V431 BBG001V28DF5 11,549,401 117,802 SH   SOLE   117,802 0 0
INVESCO EXCHANGE TRADED FD T S&P500 QUALITY 46137V241 BBG001SDTVQ0 8,303,988 153,550 SH   SOLE   153,550 0 0
ISHARES TR 7-10 YR TRSY BD 464287440 BBG001S80936 17,689,815 183,523 SH   SOLE   183,523 0 0
ISHARES TR CORE 1 5 YR USD 46432F859 BBG003HC6JD6 8,000,745 168,224 SH   SOLE   168,224 0 0
ISHARES TR CORE DIV GRWTH 46434V621 BBG006MJFZK4 350,885 6,519 SH   SOLE   6,519 0 0
ISHARES TR MSCI INTL QUALTY 46434V456 BBG007WGM3H4 931,513 24,800 SH   SOLE   24,800 0 0
ISHARES TR MSCI USA MIN VOL 46429B697 BBG0025X2G81 14,255,461 182,692 SH   SOLE   182,692 0 0
ISHARES TR MSCI USA SMCP MN 46435G433 BBG00DRM2VW7 11,319,914 317,173 SH   SOLE   317,173 0 0
ISHARES TR NATIONAL MUN ETF 464288414 BBG001SZV978 4,260,028 39,295 SH   SOLE   39,295 0 0
ISHARES TR US INFRASTRUC 46435U713 BBG00KHHFPF1 7,543,722 187,328 SH   SOLE   187,328 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 BBG001T5XQY3 3,837,964 103,841 SH   SOLE   103,841 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 BBG0025RWLM4 21,057,665 276,601 SH   SOLE   276,601 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 BBG001T66WN0 314,522 3,791 SH   SOLE   3,791 0 0
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 BBG001T66WQ7 236,864 3,378 SH   SOLE   3,378 0 0
SCHWAB STRATEGIC TR US REIT ETF 808524847 BBG001V039G2 7,350,208 354,911 SH   SOLE   354,911 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870 BBG001T9F777 11,593,560 222,098 SH   SOLE   222,098 0 0
SPDR SER TR BBG CONV SEC ETF 78464A359 BBG001T2PMD1 1,670,318 23,150 SH   SOLE   23,150 0 0
SPDR SER TR NUVEEN BLMBRG MU 78468R721 BBG001SRSPW6 852,563 18,139 SH   SOLE   18,139 0 0
SPDR SER TR NUVEEN BLMBRG SH 78468R739 BBG001T083N5 454,416 9,508 SH   SOLE   9,508 0 0
SPDR SER TR NUVEEN BLOOMBERG 78464A284 BBG001V11QG4 1,727,313 68,273 SH   SOLE   68,273 0 0
SPDR SER TR PORTFOLIO S&P400 78464A847 BBG001SPT9T9 2,598,653 53,338 SH   SOLE   53,338 0 0
SPDR SER TR PORTFOLIO S&P600 78468R853 BBG004T58LZ5 1,036,971 24,584 SH   SOLE   24,584 0 0
SPDR SER TR PRTFLO S&P500 GW 78464A409 BBG001SD7RB9 14,273,993 219,397 SH   SOLE   219,397 0 0
SPDR SER TR PRTFLO S&P500 VL 78464A508 BBG001SG4284 1,068,620 22,917 SH   SOLE   22,917 0 0
SPDR SER TR S&P KENSHO FUTRE 78468R671 BBG00JHP62Q5 275,178 4,990 SH   SOLE   4,990 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 BBG001TC6MC1 1,155,240 2,644 SH   SOLE   2,644 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 BBG001SHVR78 723,191 4,837 SH   SOLE   4,837 0 0
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504 BBG001SHVR32 6,144,619 24,509 SH   SOLE   24,509 0 0
WISDOMTREE TR EM EX ST-OWNED 97717X578 BBG007PB9N20 1,983,802 68,691 SH   SOLE   68,691 0 0
WISDOMTREE TR ITL HDG QTLY DIV 97717X594 BBG006G0J5J6 10,797,578 257,146 SH   SOLE   257,146 0 0
WISDOMTREE TR US QTLY DIV GRT 97717X669 BBG004LMH3Z6 12,684,051 180,478 SH   SOLE   180,478 0 0