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
ABRDN GOLD ETF TRUST PHYSCL GOLD SHS 00326A104   474,958 25,170 SH   SOLE   0 0 25,170
ALPS ETF TR SECTR DIV DOGS 00162Q858   796,740 15,561 SH   SOLE   0 0 15,561
APPLE INC COM 037833100   694,283 4,210 SH   SOLE   0 0 4,210
BCE INC COM NEW 05534B760   285,402 6,372 SH   SOLE   0 0 6,372
FIDELITY COVINGTON TRUST QLTY FCTOR ETF 316092790   737,785 15,550 SH   SOLE   0 0 15,550
FIRST TR EXCHANGE TRADED FD CONSUMR STAPLE 33734X119   524,616 8,452 SH   SOLE   0 0 8,452
FIRST TR EXCHANGE-TRADED FD FIRST TR ENH NEW 33739Q408   1,132,535 19,031 SH   SOLE   0 0 19,031
INVESCO QQQ TR UNIT SER 1 46090E103   650,559 2,027 SH   SOLE   0 0 2,027
ISHARES GOLD TR ISHARES NEW 464285204   2,998,494 80,238 SH   SOLE   0 0 80,238
ISHARES TR CORE S&P TTL STK 464287150   639,283 7,060 SH   SOLE   0 0 7,060
ISHARES TR TIPS BD ETF 464287176   1,639,612 14,872 SH   SOLE   0 0 14,872
ISHARES TR MSCI INTL QUALTY 46434V456   447,922 12,689 SH   SOLE   0 0 12,689
ISHARES TR CORE S&P MCP ETF 464287507   1,312,663 5,247 SH   SOLE   0 0 5,247
ISHARES TR CORE S&P SCP ETF 464287804   2,676,552 27,679 SH   SOLE   0 0 27,679
ISHARES TR CORE US AGGBD ET 464287226   2,227,348 22,354 SH   SOLE   0 0 22,354
ISHARES TR U.S. MED DVC ETF 464288810   4,564,531 84,560 SH   SOLE   0 0 84,560
ISHARES TR 0-5 YR TIPS ETF 46429B747   2,447,607 24,666 SH   SOLE   0 0 24,666
ISHARES TR HDG MSCI EAFE 46434V803   379,868 12,890 SH   SOLE   0 0 12,890
ISHARES TR RUS 1000 ETF 464287622   291,673 1,295 SH   SOLE   0 0 1,295
ISHARES TR U.S. TECH ETF 464287721   244,183 2,631 SH   SOLE   0 0 2,631
ISHARES TR IBONDS DEC24 ETF 46434VBG4   1,590,555 64,683 SH   SOLE   0 0 64,683
ISHARES TR CORE HIGH DV ETF 46429B663   1,360,312 13,381 SH   SOLE   0 0 13,381
ISHARES TR 0-5YR HI YL CP 46434V407   1,392,852 33,418 SH   SOLE   0 0 33,418
ISHARES TR EAFE VALUE ETF 464288877   391,200 8,061 SH   SOLE   0 0 8,061
ISHARES TR MSCI EAFE ETF 464287465   6,754,614 94,444 SH   SOLE   0 0 94,444
ISHARES TR U.S. UTILITS ETF 464287697   351,917 4,204 SH   SOLE   0 0 4,204
ISHARES TR IBONDS DEC25 ETF 46434VBD1   482,726 19,679 SH   SOLE   0 0 19,679
ISHARES TR IBONDS DEC2023 46435G318   290,236 11,413 SH   SOLE   0 0 11,413
ISHARES TR CORE MSCI EAFE 46432F842   610,942 9,139 SH   SOLE   0 0 9,139
ISHARES TR GLB CNSM STP ETF 464288737   259,756 4,193 SH   SOLE   0 0 4,193
ISHARES TR RUSSELL 2000 ETF 464287655   307,740 1,725 SH   SOLE   0 0 1,725
ISHARES TR CORE S&P500 ETF 464287200   501,264 1,219 SH   SOLE   0 0 1,219
ISHARES TR IBONDS DEC23 ETF 46434VAX8   4,146,736 164,618 SH   SOLE   0 0 164,618
JOHNSON & JOHNSON COM 478160104   218,457 1,409 SH   SOLE   0 0 1,409
MICROSOFT CORP COM 594918104   4,044,860 14,030 SH   SOLE   0 0 14,030
PEPSICO INC COM 713448108   237,663 1,304 SH   SOLE   0 0 1,304
PIMCO ETF TR INV GRD CRP BD 72201R817   794,612 8,260 SH   SOLE   0 0 8,260
PRUDENTIAL FINL INC COM 744320102   285,039 3,445 SH   SOLE   0 0 3,445
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   404,194 9,640 SH   SOLE   0 0 9,640
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   3,120,351 45,989 SH   SOLE   0 0 45,989
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   808,903 23,244 SH   SOLE   0 0 23,244
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   3,105,118 47,646 SH   SOLE   0 0 47,646
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   16,661,889 348,211 SH   SOLE   0 0 348,211
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   622,121 25,372 SH   SOLE   0 0 25,372
SCHWAB STRATEGIC TR US REIT ETF 808524847   1,795,691 92,087 SH   SOLE   0 0 92,087
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   4,444,236 91,880 SH   SOLE   0 0 91,880
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   1,280,227 17,499 SH   SOLE   0 0 17,499
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   1,005,076 6,656 SH   SOLE   0 0 6,656
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407   908,851 6,078 SH   SOLE   0 0 6,078
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704   846,048 8,362 SH   SOLE   0 0 8,362
SELECT SECTOR SPDR TR RL EST SEL SEC 81369Y860   200,656 5,368 SH   SOLE   0 0 5,368
SPDR GOLD TR GOLD SHS 78463V107   370,288 2,021 SH   SOLE   0 0 2,021
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   287,121 8,939 SH   SOLE   0 0 8,939
SPDR S&P 500 ETF TR TR UNIT 78462F103   3,642,501 8,897 SH   SOLE   0 0 8,897
SPDR SER TR BLOOMBERG HIGH Y 78468R622   275,490 2,968 SH   SOLE   0 0 2,968
SPDR SER TR PORTFLI HIGH YLD 78468R606   249,689 10,865 SH   SOLE   0 0 10,865
SPDR SER TR PRTFLO S&P500 GW 78464A409   220,444 3,982 SH   SOLE   0 0 3,982
SPDR SER TR S&P HOMEBUILD 78464A888   309,528 4,568 SH   SOLE   0 0 4,568
SPROTT PHYSICAL GOLD & SILVE TR UNIT 85208R101   595,949 31,515 SH   SOLE   0 0 31,515
VANECK ETF TRUST IG FLOATING RATE 92189F486   2,114,624 84,687 SH   SOLE   0 0 84,687
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   660,299 8,632 SH   SOLE   0 0 8,632
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   443,902 5,346 SH   SOLE   0 0 5,346
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   10,008,283 26,613 SH   SOLE   0 0 26,613
VANGUARD INDEX FDS GROWTH ETF 922908736   551,582 2,211 SH   SOLE   0 0 2,211
VANGUARD INDEX FDS MID CAP ETF 922908629   438,292 2,078 SH   SOLE   0 0 2,078
VANGUARD INDEX FDS SMALL CP ETF 922908751   1,066,844 5,628 SH   SOLE   0 0 5,628
VANGUARD INDEX FDS VALUE ETF 922908744   7,559,160 54,733 SH   SOLE   0 0 54,733
VANGUARD INDEX FDS TOTAL STK MKT 922908769   2,454,711 12,027 SH   SOLE   0 0 12,027
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   202,566 4,236 SH   SOLE   0 0 4,236
VANGUARD SCOTTSDALE FDS VNG RUS1000IDX 92206C730   515,028 2,764 SH   SOLE   0 0 2,764
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   1,748,883 22,942 SH   SOLE   0 0 22,942
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   1,587,998 10,311 SH   SOLE   0 0 10,311
VANGUARD STAR FDS VG TL INTL STK F 921909768   1,393,887 25,247 SH   SOLE   0 0 25,247
VANGUARD WORLD FDS UTILITIES ETF 92204A876   1,245,983 8,446 SH   SOLE   0 0 8,446
VANGUARD WORLD FDS CONSUM DIS ETF 92204A108   1,785,979 7,072 SH   SOLE   0 0 7,072
VANGUARD WORLD FDS CONSUM STP ETF 92204A207   3,740,769 19,330 SH   SOLE   0 0 19,330
VANGUARD WORLD FDS INDUSTRIAL ETF 92204A603   1,449,351 7,608 SH   SOLE   0 0 7,608
VANGUARD WORLD FDS INF TECH ETF 92204A702   9,968,431 25,860 SH   SOLE   0 0 25,860
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504   2,633,351 11,043 SH   SOLE   0 0 11,043
WELLTOWER INC COM 95040Q104   556,529 7,763 SH   SOLE   0 0 7,763