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
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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 1,299,064 7,575 SH   SOLE   7,575 0 0
BERKSHIRE HATHAWAY INC DEL CL A 084670108 BBG001S902J2 1,268,880 200 SH   SOLE   200 0 0
EXXON MOBIL CORP COM 30231G102 BBG001S69V32 279,890 2,407 SH   SOLE   2,407 0 0
FIDELITY MERRIMACK STR TR LTD TRM BD ETF 316188200 BBG0078XLZ93 290,984 5,933 SH   SOLE   5,933 0 0
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309 BBG0078X1341 15,236,920 336,281 SH   SOLE   336,281 0 0
FIRST TR EXCH TRADED FD III MANAGD MUN ETF 33739N108 BBG006H1W526 2,264,927 44,099 SH   SOLE   44,099 0 0
INVESCO ACTVELY MNGD ETC FD OPTIMUM YIELD 46090F100 BBG007HL81B6 4,783,663 349,218 SH   SOLE   349,218 0 0
INVESCO EXCHANGE TRADED FD T S&P 500 GARP ETF 46137V431 BBG001V28DF5 13,078,441 122,813 SH   SOLE   122,813 0 0
INVESCO EXCHANGE TRADED FD T S&P500 QUALITY 46137V241 BBG001SDTVQ0 10,664,753 176,510 SH   SOLE   176,510 0 0
ISHARES INC MSCI EMERG MRKT 464286533 BBG0025X3FS0 201,901 3,567 SH   SOLE   3,567 0 0
ISHARES TR 7-10 YR TRSY BD 464287440 BBG001S80936 18,331,175 193,652 SH   SOLE   193,652 0 0
ISHARES TR CORE 1 5 YR USD 46432F859 BBG003HC6JD6 8,462,384 178,380 SH   SOLE   178,380 0 0
ISHARES TR CORE DIV GRWTH 46434V621 BBG006MJFZK4 378,528 6,519 SH   SOLE   6,519 0 0
ISHARES TR MSCI INTL QUALTY 46434V456 BBG007WGM3H4 728,700 18,373 SH   SOLE   18,373 0 0
ISHARES TR MSCI USA MIN VOL 46429B697 BBG0025X2G81 15,503,765 185,496 SH   SOLE   185,496 0 0
ISHARES TR MSCI USA SMCP MN 46435G433 BBG00DRM2VW7 12,287,291 328,098 SH   SOLE   328,098 0 0
ISHARES TR NATIONAL MUN ETF 464288414 BBG001SZV978 4,973,213 46,219 SH   SOLE   46,219 0 0
ISHARES TR US INFRASTRUC 46435U713 BBG00KHHFPF1 7,874,368 181,604 SH   SOLE   181,604 0 0
NETFLIX INC COM 64110L106 BBG001SF6L46 244,146 402 SH   SOLE   402 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 BBG001T5XQY3 4,809,618 123,260 SH   SOLE   123,260 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 BBG0025RWLM4 23,364,723 289,777 SH   SOLE   289,777 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 BBG001T66WN0 339,471 3,661 SH   SOLE   3,661 0 0
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 BBG001T66WQ7 227,153 2,989 SH   SOLE   2,989 0 0
SCHWAB STRATEGIC TR US REIT ETF 808524847 BBG001V039G2 7,445,958 366,796 SH   SOLE   366,796 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870 BBG001T9F777 11,816,781 226,548 SH   SOLE   226,548 0 0
SPDR SER TR BBG CONV SEC ETF 78464A359 BBG001T2PMD1 1,632,414 22,349 SH   SOLE   22,349 0 0
SPDR SER TR NUVEEN BLMBRG MU 78468R721 BBG001SRSPW6 840,794 18,089 SH   SOLE   18,089 0 0
SPDR SER TR NUVEEN BLMBRG SH 78468R739 BBG001T083N5 438,823 9,250 SH   SOLE   9,250 0 0
SPDR SER TR NUVEEN BLOOMBERG 78464A284 BBG001V11QG4 1,803,856 70,216 SH   SOLE   70,216 0 0
SPDR SER TR PORTFOLIO S&P400 78464A847 BBG001SPT9T9 3,251,502 60,958 SH   SOLE   60,958 0 0
SPDR SER TR PORTFOLIO S&P600 78468R853 BBG004T58LZ5 1,226,865 28,505 SH   SOLE   28,505 0 0
SPDR SER TR PRTFLO S&P500 GW 78464A409 BBG001SD7RB9 16,498,829 225,547 SH   SOLE   225,547 0 0
SPDR SER TR PRTFLO S&P500 VL 78464A508 BBG001SG4284 1,324,927 26,445 SH   SOLE   26,445 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 BBG001TC6MC1 1,509,770 2,140 SH   SOLE   2,140 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 BBG001SHVR78 1,002,336 6,154 SH   SOLE   6,154 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 BBG009THVRX1 809,600 16,000 SH   SOLE   16,000 0 0
VANGUARD WORLD FD HEALTH CAR ETF 92204A504 BBG001SHVR32 6,584,096 24,338 SH   SOLE   24,338 0 0
WISDOMTREE TR EM EX ST-OWNED 97717X578 BBG007PB9N20 2,372,157 80,521 SH   SOLE   80,521 0 0
WISDOMTREE TR ITL HDG QTLY DIV 97717X594 BBG006G0J5J6 12,386,050 269,613 SH   SOLE   269,613 0 0
WISDOMTREE TR US QTLY DIV GRT 97717X669 BBG004LMH3Z6 13,589,912 178,368 SH   SOLE   178,368 0 0