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   386,102 21,826 SH   SOLE   0 0 21,826
ALPS ETF TR SECTR DIV DOGS 00162Q858   765,809 16,283 SH   SOLE   0 0 16,283
APPLE INC COM 037833100   1,056,976 6,174 SH   SOLE   0 0 6,174
FIDELITY COVINGTON TRUST QLTY FCTOR ETF 316092790   970,719 19,692 SH   SOLE   0 0 19,692
FIRST TR EXCHANGE TRADED FD CONSUMR STAPLE 33734X119   482,177 7,991 SH   SOLE   0 0 7,991
FIRST TR EXCHANGE-TRADED FD FIRST TR ENH NEW 33739Q408   938,004 15,786 SH   SOLE   0 0 15,786
INVESCO QQQ TR UNIT SER 1 46090E103   733,428 2,047 SH   SOLE   0 0 2,047
ISHARES GOLD TR ISHARES NEW 464285204   3,006,131 85,914 SH   SOLE   0 0 85,914
ISHARES TR CORE HIGH DV ETF 46429B663   1,396,623 14,123 SH   SOLE   0 0 14,123
ISHARES TR RUSSELL 2000 ETF 464287655   295,686 1,673 SH   SOLE   0 0 1,673
ISHARES TR CORE S&P500 ETF 464287200   606,353 1,412 SH   SOLE   0 0 1,412
ISHARES TR RUS 1000 ETF 464287622   303,974 1,294 SH   SOLE   0 0 1,294
ISHARES TR TIPS BD ETF 464287176   1,167,939 11,261 SH   SOLE   0 0 11,261
ISHARES TR CORE US AGGBD ET 464287226   1,526,883 16,237 SH   SOLE   0 0 16,237
ISHARES TR U.S. UTILITS ETF 464287697   320,588 4,357 SH   SOLE   0 0 4,357
ISHARES TR 0-5YR HI YL CP 46434V407   2,545,650 62,044 SH   SOLE   0 0 62,044
ISHARES TR CORE MSCI EAFE 46432F842   732,882 11,389 SH   SOLE   0 0 11,389
ISHARES TR IBONDS DEC24 ETF 46434VBG4   4,327,107 174,974 SH   SOLE   0 0 174,974
ISHARES TR CORE S&P MCP ETF 464287507   1,260,288 5,054 SH   SOLE   0 0 5,054
ISHARES TR U.S. TECH ETF 464287721   244,569 2,331 SH   SOLE   0 0 2,331
ISHARES TR EAFE VALUE ETF 464288877   409,348 8,366 SH   SOLE   0 0 8,366
ISHARES TR GLB CNSM STP ETF 464288737   221,108 3,875 SH   SOLE   0 0 3,875
ISHARES TR IBONDS DEC2026 46435GAA0   736,873 31,578 SH   SOLE   0 0 31,578
ISHARES TR CORE S&P TTL STK 464287150   633,710 6,728 SH   SOLE   0 0 6,728
ISHARES TR IBONDS DEC23 ETF 46434VAX8   5,631,189 222,050 SH   SOLE   0 0 222,050
ISHARES TR 0-5 YR TIPS ETF 46429B747   2,942,087 30,356 SH   SOLE   0 0 30,356
ISHARES TR MSCI EAFE ETF 464287465   6,506,486 94,406 SH   SOLE   0 0 94,406
ISHARES TR CORE S&P SCP ETF 464287804   2,807,446 29,762 SH   SOLE   0 0 29,762
ISHARES TR IBONDS DEC2023 46435G318   202,996 7,953 SH   SOLE   0 0 7,953
ISHARES TR IBONDS DEC25 ETF 46434VBD1   2,181,018 89,496 SH   SOLE   0 0 89,496
ISHARES TR MSCI INTL QUALTY 46434V456   425,435 12,658 SH   SOLE   0 0 12,658
ISHARES TR U.S. MED DVC ETF 464288810   3,832,084 79,012 SH   SOLE   0 0 79,012
JOHNSON & JOHNSON COM 478160104   253,581 1,628 SH   SOLE   0 0 1,628
MICROSOFT CORP COM 594918104   4,513,808 14,296 SH   SOLE   0 0 14,296
PEPSICO INC COM 713448108   221,560 1,308 SH   SOLE   0 0 1,308
PIMCO ETF TR INV GRD CRP BD 72201R817   959,585 10,531 SH   SOLE   0 0 10,531
PRUDENTIAL FINL INC COM 744320102   296,152 3,121 SH   SOLE   0 0 3,121
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   774,649 22,811 SH   SOLE   0 0 22,811
SCHWAB STRATEGIC TR US REIT ETF 808524847   1,589,551 89,552 SH   SOLE   0 0 89,552
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   3,243,198 44,598 SH   SOLE   0 0 44,598
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   1,877,321 26,531 SH   SOLE   0 0 26,531
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   4,860,434 96,056 SH   SOLE   0 0 96,056
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   447,106 10,794 SH   SOLE   0 0 10,794
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   14,725,475 295,396 SH   SOLE   0 0 295,396
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   3,161,771 46,716 SH   SOLE   0 0 46,716
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   789,876 32,994 SH   SOLE   0 0 32,994
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   1,026,237 6,260 SH   SOLE   0 0 6,260
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886   292,175 4,958 SH   SOLE   0 0 4,958
SELECT SECTOR SPDR TR INDL 81369Y704   861,746 8,500 SH   SOLE   0 0 8,500
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407   938,533 5,830 SH   SOLE   0 0 5,830
SPDR GOLD TR GOLD SHS 78463V107   331,927 1,936 SH   SOLE   0 0 1,936
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   277,198 8,939 SH   SOLE   0 0 8,939
SPDR S&P 500 ETF TR TR UNIT 78462F103   3,399,177 7,952 SH   SOLE   0 0 7,952
SPDR SER TR PRTFLO S&P500 GW 78464A409   235,401 3,971 SH   SOLE   0 0 3,971
SPDR SER TR BLOOMBERG HIGH Y 78468R622   262,431 2,903 SH   SOLE   0 0 2,903
SPDR SER TR S&P HOMEBUILD 78464A888   328,409 4,289 SH   SOLE   0 0 4,289
SPDR SER TR PORTFLI HIGH YLD 78468R606   227,838 10,162 SH   SOLE   0 0 10,162
SPROTT PHYSICAL GOLD & SILVE TR UNIT 85208R101   377,282 21,783 SH   SOLE   0 0 21,783
VANECK ETF TRUST IG FLOATING RATE 92189F486   3,337,771 131,980 SH   SOLE   0 0 131,980
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   359,705 4,785 SH   SOLE   0 0 4,785
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   717,465 9,483 SH   SOLE   0 0 9,483
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   11,062,378 28,170 SH   SOLE   0 0 28,170
VANGUARD INDEX FDS GROWTH ETF 922908736   600,680 2,206 SH   SOLE   0 0 2,206
VANGUARD INDEX FDS SMALL CP ETF 922908751   1,155,941 6,114 SH   SOLE   0 0 6,114
VANGUARD INDEX FDS VALUE ETF 922908744   9,046,160 65,585 SH   SOLE   0 0 65,585
VANGUARD INDEX FDS MID CAP ETF 922908629   654,251 3,142 SH   SOLE   0 0 3,142
VANGUARD INDEX FDS TOTAL STK MKT 922908769   2,477,125 11,662 SH   SOLE   0 0 11,662
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   290,076 7,398 SH   SOLE   0 0 7,398
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   237,251 5,018 SH   SOLE   0 0 5,018
VANGUARD SCOTTSDALE FDS VNG RUS1000IDX 92206C730   524,512 2,695 SH   SOLE   0 0 2,695
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   1,976,570 26,302 SH   SOLE   0 0 26,302
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   2,591,327 16,677 SH   SOLE   0 0 16,677
VANGUARD STAR FDS VG TL INTL STK F 921909768   2,878,092 53,776 SH   SOLE   0 0 53,776
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   206,169 1,995 SH   SOLE   0 0 1,995
VANGUARD WORLD FDS CONSUM DIS ETF 92204A108   2,089,446 7,757 SH   SOLE   0 0 7,757
VANGUARD WORLD FDS CONSUM STP ETF 92204A207   4,609,346 25,233 SH   SOLE   0 0 25,233
VANGUARD WORLD FDS INF TECH ETF 92204A702   10,466,884 25,227 SH   SOLE   0 0 25,227
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504   3,637,169 15,471 SH   SOLE   0 0 15,471
VANGUARD WORLD FDS UTILITIES ETF 92204A876   1,289,224 10,108 SH   SOLE   0 0 10,108
VANGUARD WORLD FDS INDUSTRIAL ETF 92204A603   1,434,048 7,355 SH   SOLE   0 0 7,355
WELLTOWER INC COM 95040Q104   579,092 7,069 SH   SOLE   0 0 7,069