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
Estimated average burden
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 703 15,556 SH   SOLE NONE 0 0 15,556
ABRDN GOLD ETF TRUST PHYSCL GOLD SHS 00326A104 401 25,170 SH   SOLE NONE 0 0 25,170
APPLE INC COM 037833100 578 4,179 SH   SOLE NONE 0 0 4,179
BCE INC COM NEW 05534B760 267 6,372 SH   SOLE NONE 0 0 6,372
FIDELITY COVINGTON TRUST QLTY FCTOR ETF 316092790 646 15,550 SH   SOLE NONE 0 0 15,550
FIRST TR EXCHANGE TRADED FD CONSUMR STAPLE 33734X119 481 8,452 SH   SOLE NONE 0 0 8,452
FIRST TR EXCHANGE-TRADED FD FIRST TR ENH NEW 33739Q408 1,129 19,031 SH   SOLE NONE 0 0 19,031
INVESCO QQQ TR UNIT SER 1 46090E103 548 2,050 SH   SOLE NONE 0 0 2,050
ISHARES GOLD TR ISHARES NEW 464285204 2,480 78,656 SH   SOLE NONE 0 0 78,656
ISHARES TR CORE S&P TTL STK 464287150 584 7,347 SH   SOLE NONE 0 0 7,347
ISHARES TR TIPS BD ETF 464287176 1,624 15,479 SH   SOLE NONE 0 0 15,479
ISHARES TR CORE S&P500 ETF 464287200 430 1,198 SH   SOLE NONE 0 0 1,198
ISHARES TR CORE US AGGBD ET 464287226 2,322 24,106 SH   SOLE NONE 0 0 24,106
ISHARES TR MSCI EAFE ETF 464287465 5,199 92,822 SH   SOLE NONE 0 0 92,822
ISHARES TR CORE S&P MCP ETF 464287507 1,176 5,362 SH   SOLE NONE 0 0 5,362
ISHARES TR RUS 1000 ETF 464287622 256 1,295 SH   SOLE NONE 0 0 1,295
ISHARES TR RUSSELL 2000 ETF 464287655 284 1,724 SH   SOLE NONE 0 0 1,724
ISHARES TR U.S. UTILITS ETF 464287697 369 4,544 SH   SOLE NONE 0 0 4,544
ISHARES TR CORE S&P SCP ETF 464287804 2,373 27,215 SH   SOLE NONE 0 0 27,215
ISHARES TR GLB CNSM STP ETF 464288737 225 4,193 SH   SOLE NONE 0 0 4,193
ISHARES TR U.S. MED DVC ETF 464288810 3,825 81,074 SH   SOLE NONE 0 0 81,074
ISHARES TR EAFE VALUE ETF 464288877 311 8,061 SH   SOLE NONE 0 0 8,061
ISHARES TR CORE HIGH DV ETF 46429B663 1,250 13,696 SH   SOLE NONE 0 0 13,696
ISHARES TR 0-5 YR TIPS ETF 46429B747 2,264 23,558 SH   SOLE NONE 0 0 23,558
ISHARES TR CORE MSCI EAFE 46432F842 427 8,112 SH   SOLE NONE 0 0 8,112
ISHARES TR 0-5YR HI YL CP 46434V407 1,096 27,436 SH   SOLE NONE 0 0 27,436
ISHARES TR MSCI INTL QUALTY 46434V456 353 12,689 SH   SOLE NONE 0 0 12,689
ISHARES TR HDG MSCI EAFE 46434V803 385 12,890 SH   SOLE NONE 0 0 12,890
ISHARES TR IBONDS DEC23 ETF 46434VAX8 4,117 165,009 SH   SOLE NONE 0 0 165,009
ISHARES TR IBONDS DEC22 ETF 46434VBA7 5,106 203,976 SH   SOLE NONE 0 0 203,976
ISHARES TR IBONDS DEC25 ETF 46434VBD1 446 18,499 SH   SOLE NONE 0 0 18,499
ISHARES TR IBONDS DEC24 ETF 46434VBG4 1,317 54,066 SH   SOLE NONE 0 0 54,066
ISHARES TR IBONDS DEC2023 46435G318 291 11,522 SH   SOLE NONE 0 0 11,522
ISHARES TR IBONDS DEC2022 46435G755 247 9,547 SH   SOLE NONE 0 0 9,547
JOHNSON & JOHNSON COM 478160104 228 1,394 SH   SOLE NONE 0 0 1,394
PEPSICO INC COM 713448108 218 1,332 SH   SOLE NONE 0 0 1,332
PIMCO ETF TR INV GRD CRP BD 72201R817 692 7,585 SH   SOLE NONE 0 0 7,585
SPDR S&P 500 ETF TR TR UNIT 78462F103 3,349 9,376 SH   SOLE NONE 0 0 9,376
SPDR GOLD TR GOLD SHS 78463V107 313 2,021 SH   SOLE NONE 0 0 2,021
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 231 8,939 SH   SOLE NONE 0 0 8,939
SPDR SER TR BBG CONV SEC ETF 78464A359 205 3,245 SH   SOLE NONE 0 0 3,245
SPDR SER TR S&P HOMEBUILD 78464A888 250 4,568 SH   SOLE NONE 0 0 4,568
SPDR SER TR PORTFLI HIGH YLD 78468R606 237 10,843 SH   SOLE NONE 0 0 10,843
SPDR SER TR BLOOMBERG HIGH Y 78468R622 289 3,290 SH   SOLE NONE 0 0 3,290
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 14,737 350,963 SH   SOLE NONE 0 0 350,963
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 3,881 91,634 SH   SOLE NONE 0 0 91,634
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 2,703 48,431 SH   SOLE NONE 0 0 48,431
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 2,729 45,091 SH   SOLE NONE 0 0 45,091
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 362 9,586 SH   SOLE NONE 0 0 9,586
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 578 25,782 SH   SOLE NONE 0 0 25,782
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 1,111 16,730 SH   SOLE NONE 0 0 16,730
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 657 23,363 SH   SOLE NONE 0 0 23,363
SCHWAB STRATEGIC TR US REIT ETF 808524847 1,629 87,172 SH   SOLE NONE 0 0 87,172
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 934 6,553 SH   SOLE NONE 0 0 6,553
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704 721 8,698 SH   SOLE NONE 0 0 8,698
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 812 6,832 SH   SOLE NONE 0 0 6,832
SPROTT PHYSICAL GOLD & SILVE TR UNIT 85208R101 496 31,864 SH   SOLE NONE 0 0 31,864
VANECK ETF TRUST IG FLOATING RATE 92189F486 2,128 85,669 SH   SOLE NONE 0 0 85,669
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 1,306 9,664 SH   SOLE NONE 0 0 9,664
VANGUARD STAR FDS VG TL INTL STK F 921909768 1,103 24,101 SH   SOLE NONE 0 0 24,101
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 562 7,508 SH   SOLE NONE 0 0 7,508
VANGUARD WORLD FDS CONSUM DIS ETF 92204A108 1,625 6,912 SH   SOLE NONE 0 0 6,912
VANGUARD WORLD FDS CONSUM STP ETF 92204A207 3,104 18,069 SH   SOLE NONE 0 0 18,069
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504 2,514 11,238 SH   SOLE NONE 0 0 11,238
VANGUARD WORLD FDS INDUSTRIAL ETF 92204A603 1,193 7,570 SH   SOLE NONE 0 0 7,570
VANGUARD WORLD FDS INF TECH ETF 92204A702 7,988 25,987 SH   SOLE NONE 0 0 25,987
VANGUARD WORLD FDS UTILITIES ETF 92204A876 1,080 7,593 SH   SOLE NONE 0 0 7,593
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 1,466 19,729 SH   SOLE NONE 0 0 19,729
VANGUARD SCOTTSDALE FDS VNG RUS1000IDX 92206C730 450 2,755 SH   SOLE NONE 0 0 2,755
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 8,266 25,177 SH   SOLE NONE 0 0 25,177
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 441 5,497 SH   SOLE NONE 0 0 5,497
VANGUARD INDEX FDS MID CAP ETF 922908629 368 1,956 SH   SOLE NONE 0 0 1,956
VANGUARD INDEX FDS GROWTH ETF 922908736 483 2,255 SH   SOLE NONE 0 0 2,255
VANGUARD INDEX FDS VALUE ETF 922908744 6,655 53,898 SH   SOLE NONE 0 0 53,898
VANGUARD INDEX FDS SMALL CP ETF 922908751 965 5,648 SH   SOLE NONE 0 0 5,648
VANGUARD INDEX FDS TOTAL STK MKT 922908769 2,089 11,640 SH   SOLE NONE 0 0 11,640
WELLTOWER INC COM 95040Q104 499 7,763 SH   SOLE NONE 0 0 7,763