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 779 15,552 SH   SOLE NONE 0 0 15,552
ABRDN GOLD ETF TRUST PHYSCL GOLD SHS 00326A104 430 24,798 SH   SOLE NONE 0 0 24,798
APPLE INC COM 037833100 571 4,176 SH   SOLE NONE 0 0 4,176
BCE INC COM NEW 05534B760 313 6,372 SH   SOLE NONE 0 0 6,372
FIDELITY COVINGTON TRUST QLTY FCTOR ETF 316092790 688 15,550 SH   SOLE NONE 0 0 15,550
FIRST TR EXCHANGE TRADED FD CONSUMR STAPLE 33734X119 505 8,235 SH   SOLE NONE 0 0 8,235
FIRST TR EXCHANGE-TRADED FD FIRST TR ENH NEW 33739Q408 1,130 19,031 SH   SOLE NONE 0 0 19,031
INVESCO QQQ TR UNIT SER 1 46090E103 575 2,050 SH   SOLE NONE 0 0 2,050
ISHARES GOLD TR ISHARES NEW 464285204 2,726 79,438 SH   SOLE NONE 0 0 79,438
ISHARES TR CORE S&P TTL STK 464287150 616 7,347 SH   SOLE NONE 0 0 7,347
ISHARES TR TIPS BD ETF 464287176 1,787 15,690 SH   SOLE NONE 0 0 15,690
ISHARES TR CORE S&P500 ETF 464287200 454 1,198 SH   SOLE NONE 0 0 1,198
ISHARES TR CORE US AGGBD ET 464287226 2,766 27,198 SH   SOLE NONE 0 0 27,198
ISHARES TR MSCI EAFE ETF 464287465 5,746 91,952 SH   SOLE NONE 0 0 91,952
ISHARES TR CORE S&P MCP ETF 464287507 1,171 5,178 SH   SOLE NONE 0 0 5,178
ISHARES TR RUS 1000 ETF 464287622 269 1,295 SH   SOLE NONE 0 0 1,295
ISHARES TR RUSSELL 2000 ETF 464287655 292 1,723 SH   SOLE NONE 0 0 1,723
ISHARES TR U.S. UTILITS ETF 464287697 389 4,544 SH   SOLE NONE 0 0 4,544
ISHARES TR U.S. TECH ETF 464287721 210 2,631 SH   SOLE NONE 0 0 2,631
ISHARES TR CORE S&P SCP ETF 464287804 2,506 27,122 SH   SOLE NONE 0 0 27,122
ISHARES TR GLB CNSM STP ETF 464288737 242 4,193 SH   SOLE NONE 0 0 4,193
ISHARES TR U.S. MED DVC ETF 464288810 4,121 81,705 SH   SOLE NONE 0 0 81,705
ISHARES TR EAFE VALUE ETF 464288877 350 8,061 SH   SOLE NONE 0 0 8,061
ISHARES TR CORE HIGH DV ETF 46429B663 1,375 13,696 SH   SOLE NONE 0 0 13,696
ISHARES TR 0-5 YR TIPS ETF 46429B747 2,327 22,942 SH   SOLE NONE 0 0 22,942
ISHARES TR CORE MSCI EAFE 46432F842 486 8,252 SH   SOLE NONE 0 0 8,252
ISHARES TR 0-5YR HI YL CP 46434V407 1,041 25,682 SH   SOLE NONE 0 0 25,682
ISHARES TR MSCI INTL QUALTY 46434V456 392 12,689 SH   SOLE NONE 0 0 12,689
ISHARES TR HDG MSCI EAFE 46434V803 410 12,890 SH   SOLE NONE 0 0 12,890
ISHARES TR IBONDS DEC23 ETF 46434VAX8 3,993 159,142 SH   SOLE NONE 0 0 159,142
ISHARES TR IBONDS DEC22 ETF 46434VBA7 5,056 202,154 SH   SOLE NONE 0 0 202,154
ISHARES TR IBONDS DEC25 ETF 46434VBD1 457 18,499 SH   SOLE NONE 0 0 18,499
ISHARES TR IBONDS DEC24 ETF 46434VBG4 1,303 52,651 SH   SOLE NONE 0 0 52,651
ISHARES TR IBONDS DEC2023 46435G318 293 11,506 SH   SOLE NONE 0 0 11,506
ISHARES TR IBONDS DEC2022 46435G755 247 9,532 SH   SOLE NONE 0 0 9,532
JOHNSON & JOHNSON COM 478160104 246 1,387 SH   SOLE NONE 0 0 1,387
PIMCO ETF TR INV GRD CRP BD 72201R817 704 7,309 SH   SOLE NONE 0 0 7,309
SPDR S&P 500 ETF TR TR UNIT 78462F103 3,560 9,435 SH   SOLE NONE 0 0 9,435
SPDR GOLD TR GOLD SHS 78463V107 384 2,278 SH   SOLE NONE 0 0 2,278
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 236 8,176 SH   SOLE NONE 0 0 8,176
SPDR SER TR BBG CONV SEC ETF 78464A359 209 3,245 SH   SOLE NONE 0 0 3,245
SPDR SER TR PRTFLO S&P500 GW 78464A409 208 3,982 SH   SOLE NONE 0 0 3,982
SPDR SER TR S&P HOMEBUILD 78464A888 258 4,713 SH   SOLE NONE 0 0 4,713
SPDR SER TR PORTFLI HIGH YLD 78468R606 258 11,475 SH   SOLE NONE 0 0 11,475
SPDR SER TR BLOOMBERG HIGH Y 78468R622 298 3,290 SH   SOLE NONE 0 0 3,290
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 15,517 351,146 SH   SOLE NONE 0 0 351,146
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 4,093 91,645 SH   SOLE NONE 0 0 91,645
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 2,767 47,715 SH   SOLE NONE 0 0 47,715
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 2,846 45,365 SH   SOLE NONE 0 0 45,365
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 363 9,302 SH   SOLE NONE 0 0 9,302
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 632 24,902 SH   SOLE NONE 0 0 24,902
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 957 13,357 SH   SOLE NONE 0 0 13,357
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 735 23,363 SH   SOLE NONE 0 0 23,363
SCHWAB STRATEGIC TR US REIT ETF 808524847 1,825 86,519 SH   SOLE NONE 0 0 86,519
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 835 6,076 SH   SOLE NONE 0 0 6,076
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704 760 8,697 SH   SOLE NONE 0 0 8,697
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 952 7,488 SH   SOLE NONE 0 0 7,488
SELECT SECTOR SPDR TR RL EST SEL SEC 81369Y860 219 5,368 SH   SOLE NONE 0 0 5,368
SPROTT PHYSICAL GOLD & SILVE TR UNIT 85208R101 549 32,620 SH   SOLE NONE 0 0 32,620
VANECK ETF TRUST INVESTMENT GRD 92189F486 2,200 89,127 SH   SOLE NONE 0 0 89,127
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 1,337 9,319 SH   SOLE NONE 0 0 9,319
VANGUARD STAR FDS VG TL INTL STK F 921909768 1,266 24,529 SH   SOLE NONE 0 0 24,529
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 612 7,976 SH   SOLE NONE 0 0 7,976
VANGUARD WORLD FDS CONSUM DIS ETF 92204A108 1,530 6,728 SH   SOLE NONE 0 0 6,728
VANGUARD WORLD FDS CONSUM STP ETF 92204A207 3,279 17,692 SH   SOLE NONE 0 0 17,692
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504 2,579 10,953 SH   SOLE NONE 0 0 10,953
VANGUARD WORLD FDS INDUSTRIAL ETF 92204A603 1,216 7,442 SH   SOLE NONE 0 0 7,442
VANGUARD WORLD FDS INF TECH ETF 92204A702 8,458 25,902 SH   SOLE NONE 0 0 25,902
VANGUARD WORLD FDS UTILITIES ETF 92204A876 1,106 7,256 SH   SOLE NONE 0 0 7,256
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 1,356 17,784 SH   SOLE NONE 0 0 17,784
VANGUARD SCOTTSDALE FDS VNG RUS1000IDX 92206C730 433 2,520 SH   SOLE NONE 0 0 2,520
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 8,769 25,280 SH   SOLE NONE 0 0 25,280
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 489 5,368 SH   SOLE NONE 0 0 5,368
VANGUARD INDEX FDS MID CAP ETF 922908629 396 2,009 SH   SOLE NONE 0 0 2,009
VANGUARD INDEX FDS GROWTH ETF 922908736 502 2,253 SH   SOLE NONE 0 0 2,253
VANGUARD INDEX FDS VALUE ETF 922908744 7,278 55,185 SH   SOLE NONE 0 0 55,185
VANGUARD INDEX FDS SMALL CP ETF 922908751 998 5,668 SH   SOLE NONE 0 0 5,668
VANGUARD INDEX FDS TOTAL STK MKT 922908769 2,199 11,658 SH   SOLE NONE 0 0 11,658
WELLTOWER INC COM 95040Q104 639 7,763 SH   SOLE NONE 0 0 7,763