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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hours per response: 23.8
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
ALPS ETF TR SECTR DIV DOGS 00162Q858 893 16,225 SH   SOLE NONE 0 0 16,225
ABRDN GOLD ETF TRUST PHYSCL GOLD SHS 00326A104 470 25,310 SH   SOLE NONE 0 0 25,310
AMAZON COM INC COM 023135106 225 69 SH   SOLE NONE 0 0 69
APPLE INC COM 037833100 729 4,173 SH   SOLE NONE 0 0 4,173
BCE INC COM NEW 05534B760 357 6,442 SH   SOLE NONE 0 0 6,442
FIRST TR EXCHANGE TRADED FD CONSUMR STAPLE 33734X119 525 8,235 SH   SOLE NONE 0 0 8,235
FIRST TR EXCHANGE-TRADED FD FIRST TR ENH NEW 33739Q408 817 13,722 SH   SOLE NONE 0 0 13,722
INVESCO QQQ TR UNIT SER 1 46090E103 1,094 3,018 SH   SOLE NONE 0 0 3,018
ISHARES GOLD TR ISHARES NEW 464285204 2,761 74,955 SH   SOLE NONE 0 0 74,955
ISHARES TR CORE S&P TTL STK 464287150 742 7,347 SH   SOLE NONE 0 0 7,347
ISHARES TR TIPS BD ETF 464287176 2,163 17,363 SH   SOLE NONE 0 0 17,363
ISHARES TR CORE S&P500 ETF 464287200 693 1,527 SH   SOLE NONE 0 0 1,527
ISHARES TR CORE US AGGBD ET 464287226 5,784 54,007 SH   SOLE NONE 0 0 54,007
ISHARES TR IBOXX INV CP ETF 464287242 325 2,687 SH   SOLE NONE 0 0 2,687
ISHARES TR MSCI EAFE ETF 464287465 7,920 107,610 SH   SOLE NONE 0 0 107,610
ISHARES TR RUS MID CAP ETF 464287499 378 4,840 SH   SOLE NONE 0 0 4,840
ISHARES TR CORE S&P MCP ETF 464287507 893 3,328 SH   SOLE NONE 0 0 3,328
ISHARES TR RUS 1000 ETF 464287622 324 1,295 SH   SOLE NONE 0 0 1,295
ISHARES TR RUSSELL 2000 ETF 464287655 334 1,626 SH   SOLE NONE 0 0 1,626
ISHARES TR U.S. UTILITS ETF 464287697 414 4,544 SH   SOLE NONE 0 0 4,544
ISHARES TR U.S. TECH ETF 464287721 271 2,631 SH   SOLE NONE 0 0 2,631
ISHARES TR CORE S&P SCP ETF 464287804 2,855 26,466 SH   SOLE NONE 0 0 26,466
ISHARES TR GLB CNSM STP ETF 464288737 260 4,193 SH   SOLE NONE 0 0 4,193
ISHARES TR U.S. MED DVC ETF 464288810 7,634 125,226 SH   SOLE NONE 0 0 125,226
ISHARES TR EAFE VALUE ETF 464288877 405 8,061 SH   SOLE NONE 0 0 8,061
ISHARES TR CORE HIGH DV ETF 46429B663 1,464 13,696 SH   SOLE NONE 0 0 13,696
ISHARES TR 0-5 YR TIPS ETF 46429B747 1,994 18,998 SH   SOLE NONE 0 0 18,998
ISHARES TR CORE MSCI EAFE 46432F842 604 8,684 SH   SOLE NONE 0 0 8,684
ISHARES TR 0-5YR HI YL CP 46434V407 254 5,785 SH   SOLE NONE 0 0 5,785
ISHARES TR IBONDS DEC23 ETF 46434VAX8 3,429 135,643 SH   SOLE NONE 0 0 135,643
ISHARES TR IBONDS DEC22 ETF 46434VBA7 4,486 179,172 SH   SOLE NONE 0 0 179,172
ISHARES TR IBONDS DEC25 ETF 46434VBD1 743 29,443 SH   SOLE NONE 0 0 29,443
ISHARES TR IBONDS DEC24 ETF 46434VBG4 1,626 64,774 SH   SOLE NONE 0 0 64,774
ISHARES TR IBONDS DEC2022 46435G755 205 7,912 SH   SOLE NONE 0 0 7,912
JOHNSON & JOHNSON COM 478160104 245 1,380 SH   SOLE NONE 0 0 1,380
PIMCO ETF TR INV GRD CRP BD 72201R817 636 6,109 SH   SOLE NONE 0 0 6,109
SPDR S&P 500 ETF TR TR UNIT 78462F103 4,290 9,498 SH   SOLE NONE 0 0 9,498
SPDR GOLD TR GOLD SHS 78463V107 412 2,278 SH   SOLE NONE 0 0 2,278
SPDR SER TR NYSE TECH ETF 78464A102 227 1,630 SH   SOLE NONE 0 0 1,630
SPDR SER TR BLOOMBERG CONV 78464A359 250 3,245 SH   SOLE NONE 0 0 3,245
SPDR SER TR S&P HOMEBUILD 78464A888 298 4,713 SH   SOLE NONE 0 0 4,713
SPDR SER TR PORTFLI HIGH YLD 78468R606 337 13,408 SH   SOLE NONE 0 0 13,408
SPDR SER TR BLOOMBERG HIGH Y 78468R622 813 7,935 SH   SOLE NONE 0 0 7,935
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 19,341 362,257 SH   SOLE NONE 0 0 362,257
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 5,072 94,183 SH   SOLE NONE 0 0 94,183
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 3,782 50,550 SH   SOLE NONE 0 0 50,550
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 3,481 45,891 SH   SOLE NONE 0 0 45,891
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 371 7,842 SH   SOLE NONE 0 0 7,842
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 796 28,658 SH   SOLE NONE 0 0 28,658
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 454 5,751 SH   SOLE NONE 0 0 5,751
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 883 24,057 SH   SOLE NONE 0 0 24,057
SCHWAB STRATEGIC TR US REIT ETF 808524847 2,060 82,762 SH   SOLE NONE 0 0 82,762
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 904 4,884 SH   SOLE NONE 0 0 4,884
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704 896 8,696 SH   SOLE NONE 0 0 8,696
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 813 5,116 SH   SOLE NONE 0 0 5,116
SELECT SECTOR SPDR TR RL EST SEL SEC 81369Y860 259 5,368 SH   SOLE NONE 0 0 5,368
SPROTT PHYSICAL GOLD & SILVE TR UNIT 85208R101 635 32,790 SH   SOLE NONE 0 0 32,790
VANECK ETF TRUST INVESTMENT GRD 92189F486 249 9,931 SH   SOLE NONE 0 0 9,931
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 1,654 10,198 SH   SOLE NONE 0 0 10,198
VANGUARD WORLD FDS CONSUM DIS ETF 92204A108 1,911 6,261 SH   SOLE NONE 0 0 6,261
VANGUARD WORLD FDS CONSUM STP ETF 92204A207 2,993 15,278 SH   SOLE NONE 0 0 15,278
VANGUARD WORLD FDS INDUSTRIAL ETF 92204A603 1,519 7,810 SH   SOLE NONE 0 0 7,810
VANGUARD WORLD FDS INF TECH ETF 92204A702 10,852 26,057 SH   SOLE NONE 0 0 26,057
VANGUARD WORLD FDS UTILITIES ETF 92204A876 1,024 6,328 SH   SOLE NONE 0 0 6,328
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 1,026 13,135 SH   SOLE NONE 0 0 13,135
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 10,583 25,490 SH   SOLE NONE 0 0 25,490
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 525 4,842 SH   SOLE NONE 0 0 4,842
VANGUARD INDEX FDS MID CAP ETF 922908629 445 1,871 SH   SOLE NONE 0 0 1,871
VANGUARD INDEX FDS GROWTH ETF 922908736 259 901 SH   SOLE NONE 0 0 901
VANGUARD INDEX FDS VALUE ETF 922908744 8,130 55,014 SH   SOLE NONE 0 0 55,014
VANGUARD INDEX FDS SMALL CP ETF 922908751 1,275 6,001 SH   SOLE NONE 0 0 6,001
VANGUARD INDEX FDS TOTAL STK MKT 922908769 2,648 11,631 SH   SOLE NONE 0 0 11,631
WELLTOWER INC COM 95040Q104 755 7,848 SH   SOLE NONE 0 0 7,848