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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ABBOTT LABS COM 002824100   243,051 2,214 SH   SOLE   2,214 0 0
ABBVIE INC COM 00287Y109   367,508 2,274 SH   SOLE   2,274 0 0
ADVENT CONV & INCOME FD COM 00764C109   292,312 26,818 SH   SOLE   26,818 0 0
AMAZON COM INC COM 023135106   295,767 3,521 SH   SOLE   3,521 0 0
AMERICAN EXPRESS CO COM 025816109   260,191 1,761 SH   SOLE   1,761 0 0
APPLE INC COM 037833100   3,193,391 24,578 SH   SOLE   24,578 0 0
AT&T INC COM 00206R102   219,208 11,907 SH   SOLE   11,907 0 0
AXON ENTERPRISE INC COM 05464C101   829,650 5,000 SH   SOLE   5,000 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   257,314 833 SH   SOLE   833 0 0
BROADCOM INC COM 11135F101   910,536 1,628 SH   SOLE   1,628 0 0
CATERPILLAR INC COM 149123101   677,136 2,827 SH   SOLE   2,827 0 0
CHEVRON CORP NEW COM 166764100   1,371,213 7,639 SH   SOLE   7,639 0 0
CISCO SYS INC COM 17275R102   1,210,196 25,403 SH   SOLE   25,403 0 0
COCA COLA CO COM 191216100   1,214,244 19,089 SH   SOLE   19,089 0 0
COLGATE PALMOLIVE CO COM 194162103   326,450 4,143 SH   SOLE   4,143 0 0
COMCAST CORP NEW CL A 20030N101   445,768 12,747 SH   SOLE   12,747 0 0
DISNEY WALT CO COM 254687106   330,658 3,806 SH   SOLE   3,806 0 0
EXXON MOBIL CORP COM 30231G102   1,194,050 10,825 SH   SOLE   10,825 0 0
FIRSTENERGY CORP COM 337932107   386,477 9,215 SH   SOLE   9,215 0 0
GABELLI CONV & INC SECS FD I COM 36240B109   175,717 36,608 SH   SOLE   36,608 0 0
GOLDMAN SACHS GROUP INC COM 38141G104   577,840 1,683 SH   SOLE   1,683 0 0
HOME DEPOT INC COM 437076102   855,018 2,707 SH   SOLE   2,707 0 0
HONEYWELL INTL INC COM 438516106   535,612 2,499 SH   SOLE   2,499 0 0
INTEL CORP COM 458140100   622,353 23,547 SH   SOLE   23,547 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101   352,935 2,505 SH   SOLE   2,505 0 0
INTERNATIONAL FLAVORS&FRAGRA COM 459506101   342,323 3,265 SH   SOLE   3,265 0 0
ISHARES TR MSCI EMG MKT ETF 464287234   337,793 8,913 SH   SOLE   8,913 0 0
ISHARES TR COHEN STEER REIT 464287564   235,573 4,296 SH   SOLE   4,296 0 0
ISHARES TR TIPS BD ETF 464287176   7,378,666 69,322 SH   SOLE   69,322 0 0
ISHARES TR GLOBAL TECH ETF 464287291   282,429 6,300 SH   SOLE   6,300 0 0
ISHARES TR CRE U S REIT ETF 464288521   2,210,325 44,698 SH   SOLE   44,698 0 0
ISHARES TR ESG AW MSCI EAFE 46435G516   9,543,440 145,169 SH   SOLE   145,169 0 0
ISHARES TR CORE S&P SCP ETF 464287804   4,101,079 43,333 SH   SOLE   43,333 0 0
ISHARES TR IBOXX HI YD ETF 464288513   243,393 3,306 SH   SOLE   3,306 0 0
ISHARES TR IBONDS DEC23 ETF 46434VAX8   9,170,246 366,370 PRN   SOLE   366,370 0 0
ISHARES TR IBONDS 24 TRM HG 46435U184   263,799 11,616 SH   SOLE   11,616 0 0
ISHARES TR MSCI EAFE ETF 464287465   1,251,275 19,063 SH   SOLE   19,063 0 0
ISHARES TR RUS MID CAP ETF 464287499   536,596 7,955 SH   SOLE   7,955 0 0
ISHARES TR IBONDS DEC25 ETF 46434VBD1   10,161,600 417,829 PRN   SOLE   417,829 0 0
ISHARES TR CORE S&P MCP ETF 464287507   9,821,102 40,602 SH   SOLE   40,602 0 0
ISHARES TR RUS MD CP GR ETF 464287481   221,788 2,653 SH   SOLE   2,653 0 0
ISHARES TR CORE S&P500 ETF 464287200   19,914,230 51,832 SH   SOLE   51,832 0 0
ISHARES TR CONV BD ETF 46435G102   487,881 7,023 SH   SOLE   7,023 0 0
ISHARES TR IBONDS DEC24 ETF 46434VBG4   10,699,340 438,138 PRN   SOLE   438,138 0 0
ISHARES TR IBONDS DEC2026 46435GAA0   7,742,188 331,571 PRN   SOLE   331,571 0 0
ISHARES TR CORE S&P TTL STK 464287150   601,721 7,096 SH   SOLE   7,096 0 0
ISHARES TR IBONDS 25 TRM HG 46435U168   233,946 10,393 SH   SOLE   10,393 0 0
ISHARES TR PFD AND INCM SEC 464288687   228,341 7,479 SH   SOLE   7,479 0 0
ISHARES TR FLTG RATE NT ETF 46429B655   8,513,660 169,157 SH   SOLE   169,157 0 0
ISHARES TR RUSSELL 2000 ETF 464287655   756,248 4,337 SH   SOLE   4,337 0 0
ISHARES U S ETF TR BLACKROCK SHORT 46431W838   372,348 7,489 SH   SOLE   7,489 0 0
ISHARES U S ETF TR BLACKROCK ST MAT 46431W507   712,406 14,459 SH   SOLE   14,459 0 0
J P MORGAN EXCHANGE TRADED F HIGH YLD RESRCH 46641Q878   5,629,652 128,414 SH   SOLE   128,414 0 0
J P MORGAN EXCHANGE TRADED F INTL BD OPP ETF 46641Q852   6,696,305 145,630 SH   SOLE   145,630 0 0
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   5,950,182 118,695 SH   SOLE   118,695 0 0
J P MORGAN EXCHANGE TRADED F ULTRA SHT MUNCPL 46641Q654   320,849 6,349 SH   SOLE   6,349 0 0
JOHNSON & JOHNSON COM 478160104   1,303,529 7,379 SH   SOLE   7,379 0 0
JPMORGAN CHASE & CO COM 46625H100   1,592,870 11,878 SH   SOLE   11,878 0 0
LOWES COS INC COM 548661107   675,317 3,389 SH   SOLE   3,389 0 0
MCDONALDS CORP COM 580135101   1,616,283 6,133 SH   SOLE   6,133 0 0
MEDTRONIC PLC SHS G5960L103   506,931 6,523 SH   SOLE   6,523 0 0
MERCK & CO INC COM 58933Y105   2,094,288 18,876 SH   SOLE   18,876 0 0
METLIFE INC COM 59156R108   740,843 10,237 SH   SOLE   10,237 0 0
MICROSOFT CORP COM 594918104   913,204 3,808 SH   SOLE   3,808 0 0
NIKE INC CL B 654106103   719,597 6,150 SH   SOLE   6,150 0 0
ORACLE CORP COM 68389X105   280,326 3,429 SH   SOLE   3,429 0 0
PEPSICO INC COM 713448108   207,964 1,151 SH   SOLE   1,151 0 0
PFIZER INC COM 717081103   824,830 16,097 SH   SOLE   16,097 0 0
PROCTER AND GAMBLE CO COM 742718109   1,547,046 10,207 SH   SOLE   10,207 0 0
PROLOGIS INC. COM 74340W103   692,051 6,139 SH   SOLE   6,139 0 0
PROSPECT CAP CORP NOTE 6.375% 3/0 74348TAT9   5,053,234 5,072,000 PRN   SOLE   5,072,000 0 0
ROBERT HALF INTL INC COM 770323103   599,453 8,119 SH   SOLE   8,119 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   3,645,763 29,297 SH   SOLE   29,297 0 0
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   1,710,738 50,022 SH   SOLE   50,022 0 0
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   2,543,106 18,720 SH   SOLE   18,720 0 0
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308   1,121,165 15,039 SH   SOLE   15,039 0 0
SELECT SECTOR SPDR TR ENERGY 81369Y506   1,141,236 13,047 SH   SOLE   13,047 0 0
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704   1,386,616 14,119 SH   SOLE   14,119 0 0
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100   513,026 6,604 SH   SOLE   6,604 0 0
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886   616,127 8,739 SH   SOLE   8,739 0 0
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407   1,741,956 13,487 SH   SOLE   13,487 0 0
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109   1,975,214 5,961 SH   SOLE   5,961 0 0
SPDR GOLD TR GOLD SHS 78463V107   387,458 2,284 SH   SOLE   2,284 0 0
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   4,249,052 128,915 SH   SOLE   128,915 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   4,653,010 12,167 SH   SOLE   12,167 0 0
SPDR SER TR BBG CONV SEC ETF 78464A359   6,577,186 102,225 SH   SOLE   102,225 0 0
SPDR SER TR PORTFOLIO S&P400 78464A847   9,413,758 221,500 SH   SOLE   221,500 0 0
SPDR SER TR PORTFOLIO INTRMD 78464A375   225,366 7,080 SH   SOLE   7,080 0 0
SPDR SER TR PORTFOLIO SHORT 78464A474   913,361 31,088 SH   SOLE   31,088 0 0
SPDR SER TR PORTFOLIO S&P600 78468R853   8,414,750 227,610 SH   SOLE   227,610 0 0
SPDR SER TR BLOOMBERG HIGH Y 78468R622   5,515,418 61,282 SH   SOLE   61,282 0 0
SPDR SER TR PORTFOLIO S&P500 78464A854   16,423,150 365,121 SH   SOLE   365,121 0 0
SPDR SER TR PRTFLO S&P500 VL 78464A508   17,328,370 445,574 SH   SOLE   445,574 0 0
SSGA ACTIVE ETF TR BLACKSTONE SENR 78467V608   4,785,626 117,008 SH   SOLE   117,008 0 0
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100   655,661 8,802 SH   SOLE   8,802 0 0
TE CONNECTIVITY LTD SHS H84989104   456,666 3,978 SH   SOLE   3,978 0 0
TEMPLETON GLOBAL INCOME FD COM 880198106   331,368 76,528 SH   SOLE   76,528 0 0
TRAVELERS COMPANIES INC COM 89417E109   276,136 1,473 SH   SOLE   1,473 0 0
UNION PAC CORP COM 907818108   235,232 1,136 SH   SOLE   1,136 0 0
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   453,688 6,027 SH   SOLE   6,027 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   1,153,820 13,989 SH   SOLE   13,989 0 0
VANGUARD INDEX FDS VALUE ETF 922908744   804,440 5,731 SH   SOLE   5,731 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736   440,996 2,069 SH   SOLE   2,069 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   1,434,220 36,794 SH   SOLE   36,794 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   912,202 12,132 SH   SOLE   12,132 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   216,206 1,424 SH   SOLE   1,424 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   7,236,668 172,425 SH   SOLE   172,425 0 0
VERIZON COMMUNICATIONS INC COM 92343V104   219,058 5,560 SH   SOLE   5,560 0 0
VISA INC COM CL A 92826C839   862,243 4,150 SH   SOLE   4,150 0 0
WALMART INC COM 931142103   1,783,548 12,579 SH   SOLE   12,579 0 0
WELLS FARGO CO NEW COM 949746101   201,508 4,880 SH   SOLE   4,880 0 0
XCEL ENERGY INC COM 98389B100   224,474 3,202 SH   SOLE   3,202 0 0