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
ISHARES MORNINGSTAR GROWTH ETF MORNINGSTAR GRWT 464287119 2,254 44,990 SH   SOLE NONE 0 0 44,990
ISHARES MORNINGSTAR LARGE-CAP VALUE ETF MORNINGSTAR VALU 464288109 1,269 21,010 SH   SOLE NONE 0 0 21,010
FIRST TRUST NASDAQ-100 EQUAL WEIGHTED INDEX FUND SHS 337344105 400 4,580 SH   SOLE NONE 0 0 4,580
INVESCO QQQ TRUST UNIT SER 1 46090E103 254 905 SH   SOLE NONE 0 0 905
ISHARES GOLD TRUST ISHARES NEW 464285204 28,045 817,390 SH   SOLE NONE 0 0 817,390
SPDR PORTFOLIO INTERMEDIATE TERM TREASURY ETF PORTFLI INTRMDIT 78464A672 1,458 49,476 SH   SOLE NONE 0 0 49,476
JOHNSON & JOHNSON COM COM 478160104 565 3,184 SH   SOLE NONE 0 0 3,184
ISHARES DOW JONES U.S. ETF DOW JONES US ETF 464287846 858 9,289 SH   SOLE NONE 0 0 9,289
LAUDER ESTEE COS INC CL A CL A 518439104 443 1,739 SH   SOLE NONE 0 0 1,739
SPDR S&P 500 ETF TR UNIT 78462F103 7,930 21,020 SH   SOLE NONE 0 0 21,020
ISHARES S&P 100 ETF S&P 100 ETF 464287101 4,637 26,886 SH   SOLE NONE 0 0 26,886
VERIZON COMMUNICATIONS INC COM COM 92343V104 348 6,857 SH   SOLE NONE 0 0 6,857
ISHARES 1-3 YEAR TREASURY BOND ETF 1 3 YR TREAS BD 464287457 73,919 892,847 SH   SOLE NONE 0 0 892,847
HONEYWELL INTL INC COM COM 438516106 210 1,210 SH   SOLE NONE 0 0 1,210
ISHARES RUSSELL 1000 GROWTH ETF RUS 1000 GRW ETF 464287614 2,735 12,506 SH   SOLE NONE 0 0 12,506
SCHWAB U.S. LARGE-CAP ETF US LRG CAP ETF 808524201 654 14,652 SH   SOLE NONE 0 0 14,652
SCHWAB U.S. LARGE-CAP GROWTH ETF US LCAP GR ETF 808524300 1,744 30,082 SH   SOLE NONE 0 0 30,082
ISHARES S&P SMALL-CAP FUND CORE S&P SCP ETF 464287804 223 2,413 SH   SOLE NONE 0 0 2,413
VANGUARD INTERMEDIATE-TERM GOVERNMENT BOND ETF INTER TERM TREAS 92206C706 470 7,678 SH   SOLE NONE 0 0 7,678
PROSHARES ULTRA DOW 30 PSHS ULTRA DOW30 74347R305 3,746 66,169 SH   SOLE NONE 0 0 66,169
PROSHARES ULTRA S&P 500 PSHS ULT S&P 500 74347R107 3,790 84,411 SH   SOLE NONE 0 0 84,411
VANGUARD ESG U.S. STOCK ETF ESG US STK ETF 921910733 1,400 21,087 SH   SOLE NONE 0 0 21,087
VANGUARD LONG-TERM GOVERNMENT BOND ETF LONG TERM TREAS 92206C847 15,727 224,152 SH   SOLE NONE 0 0 224,152
SCHWAB U.S. LARGE-CAP VALUE ETF US LCAP VA ETF 808524409 30,554 489,488 SH   SOLE NONE 0 0 489,488
SCHWAB INTERMEDIATE-TERM U.S. TREASURY ETF INT-TRM U.S TRES 808524854 254 4,919 SH   SOLE NONE 0 0 4,919
PIMCO 25 YEAR ZERO COUPON U.S. TREASURY INDEX EXCHANGE-TRADED FUND 25YR+ ZERO U S 72201R882 14,639 135,112 SH   SOLE NONE 0 0 135,112
VANGUARD S&P 500 ETF S&P 500 ETF SHS 922908363 19,262 55,527 SH   SOLE NONE 0 0 55,527
ISHARES RUSSELL TOP 200 VALUE ETF RUS TP200 VL ETF 464289420 361 5,836 SH   SOLE NONE 0 0 5,836
ISHARES RUSSELL TOP 200 GROWTH ETF RUS TP200 GR ETF 464289438 601 4,800 SH   SOLE NONE 0 0 4,800
ISHARES RUSSELL TOP 200 ETF RUS TOP 200 ETF 464289446 521 5,801 SH   SOLE NONE 0 0 5,801
BOOKING HOLDINGS INC COM COM 09857L108 217 124 SH   SOLE NONE 0 0 124
PIMCO RAFI ESG U.S. ETF RAFI ESG US 72201T342 1,412 51,320 SH   SOLE NONE 0 0 51,320
ISHARES CORE HIGH DIVIDEND ETF CORE HIGH DV ETF 46429B663 210 2,087 SH   SOLE NONE 0 0 2,087
ISHARES ESG ADVANCED MSCI USA ETF ESG MSCI USA ETF 46436E767 1,416 47,392 SH   SOLE NONE 0 0 47,392
VANGUARD VALUE INDEX FUND VALUE ETF 922908744 853 6,471 SH   SOLE NONE 0 0 6,471
VANGUARD GROWTH INDEX FUND GROWTH ETF 922908736 24,137 108,291 SH   SOLE NONE 0 0 108,291
CEDAR FAIR L P DEPOSITRY UNIT DEPOSITRY UNIT 150185106 282 6,431 SH   SOLE NONE 0 0 6,431
GLOBAL X SUPERINCOME PREFERRED ETF GLBX SUPRINC ETF 37950E333 109 10,628 SH   SOLE NONE 0 0 10,628
AT&T INC COM COM 00206R102 290 13,854 SH   SOLE NONE 0 0 13,854
ISHARES S&P 500 VALUE ETF S&P 500 VAL ETF 464287408 2,747 19,985 SH   SOLE NONE 0 0 19,985
ISHARES S&P 500 GROWTH ETF S&P 500 GRWT ETF 464287309 2,579 42,732 SH   SOLE NONE 0 0 42,732
ISHARES CORE S&P 500 ETF CORE S&P500 ETF 464287200 319 840 SH   SOLE NONE 0 0 840
ISHARES PREFERRED AND INCOME SECURITIES ETF PFD AND INCM SEC 464288687 307 9,342 SH   SOLE NONE 0 0 9,342
PROSHARES ULTRA QQQ PSHS ULTRA QQQ 74347R206 2,904 70,122 SH   SOLE NONE 0 0 70,122
JPMORGAN CHASE & CO COM COM 46625H100 533 4,729 SH   SOLE NONE 0 0 4,729
AMGEN INC COM COM 031162100 334 1,374 SH   SOLE NONE 0 0 1,374
ISHARES CORE S&P U.S. GROWTH ETF CORE S&P US GWT 464287671 366 4,373 SH   SOLE NONE 0 0 4,373
ISHARES 7-10 YEAR TREASURY BOND ETF 7-10 YR TRSY BD 464287440 28,745 280,989 SH   SOLE NONE 0 0 280,989
SPDR PORTFOLIO S&P 500 ETF PORTFOLIO S&P500 78464A854 9,283 209,352 SH   SOLE NONE 0 0 209,352
SPDR PORTFOLIO S&P 500 GROWTH ETF PRTFLO S&P500 GW 78464A409 5,750 109,986 SH   SOLE NONE 0 0 109,986
SPDR PORTFOLIO S&P 500 VALUE ETF PRTFLO S&P500 VL 78464A508 5,581 151,574 SH   SOLE NONE 0 0 151,574
EXXON MOBIL CORP COM COM 30231G102 230 2,686 SH   SOLE NONE 0 0 2,686
APPLE INC COM COM 037833100 1,347 9,849 SH   SOLE NONE 0 0 9,849
INVESCO PREFERRED ETF PFD ETF 46138E511 186 15,069 SH   SOLE NONE 0 0 15,069
ISHARES RUSSELL 1000 ETF RUS 1000 ETF 464287622 1,731 8,331 SH   SOLE NONE 0 0 8,331
ISHARES RUSSELL 1000 VALUE ETF RUS 1000 VAL ETF 464287598 1,483 10,233 SH   SOLE NONE 0 0 10,233