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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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
FIDELITY COVINGTON TRUST MSCI RL EST ETF 316092857 5,112 157,835 SH   SOLE   0 0 157,835
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309 781 15,702 SH   SOLE   0 0 15,702
FIRST TR EXCHANGE TRADED FD INTL EQUITY OPP 33734X853 1,940 39,792 SH   SOLE   0 0 39,792
INDEPENDENCE RLTY TR INC COM 45378A106 900 34,039 SH   SOLE   0 0 34,039
INNOVATOR ETFS TR US EQTY BUF SEP 45782C664 1,660 50,857 SH   SOLE   0 0 50,857
INVESCO ACTIVELY MANAGED ETF TOTAL RETURN 46090A804 4,402 83,932 SH   SOLE   0 0 83,932
ISHARES INC CORE MSCI EMKT 46434G103 1,222 22,008 SH   SOLE   0 0 22,008
ISHARES INC JP MRG EM CRP BD 464286251 990 21,337 SH   SOLE   0 0 21,337
ISHARES TR CONV BD ETF 46435G102 1,206 14,476 SH   SOLE   0 0 14,476
ISHARES TR CORE MSCI EAFE 46432F842 2,763 39,739 SH   SOLE   0 0 39,739
ISHARES TR CORE S&P MCP ETF 464287507 4,841 18,038 SH   SOLE   0 0 18,038
ISHARES TR CORE S&P SCP ETF 464287804 2,961 27,449 SH   SOLE   0 0 27,449
ISHARES TR CORE S&P TTL STK 464287150 629 6,230 SH   SOLE   0 0 6,230
ISHARES TR FALN ANGLS USD 46435G474 304 10,928 SH   SOLE   0 0 10,928
ISHARES TR MRGSTR MD CP GRW 464288307 3,799 59,093 SH   SOLE   0 0 59,093
ISHARES TR MSCI EAFE SMCP 46435G839 4,308 125,234 SH   SOLE   0 0 125,234
NATIXIS ETF TR LOOMIS SAYLES 63873X208 500 20,640 SH   SOLE   0 0 20,640
PHILLIPS EDISON & CO INC COMMON STOCK 71844V201 2,943 85,567 SH   SOLE   1,742 0 83,825
PRINCIPAL EXCHANGE-TRADED FD PRNCPL VLU ETF 74255Y300 349 7,873 SH   SOLE   0 0 7,873
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755 4,169 129,309 SH   SOLE   0 0 129,309
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 1,880 23,837 SH   SOLE   0 0 23,837
SCHWAB STRATEGIC TR US TIPS ETF 808524870 1,551 25,546 SH   SOLE   0 0 25,546
SELECT SECTOR SPDR TR RL EST SEL SEC 81369Y860 278 5,743 SH   SOLE   0 0 5,743
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100 919 10,433 SH   SOLE   0 0 10,433
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 6,433 166,464 SH   SOLE   0 0 166,464
SPDR S&P 500 ETF TR TR UNIT 78462F103 7,552 16,721 SH   SOLE   0 0 16,721
SPDR SER TR S&P 400 MDCP VAL 78464A839 2,609 37,072 SH   SOLE   0 0 37,072
SPDR SER TR S&P 600 SMCP VAL 78464A300 251 3,007 SH   SOLE   0 0 3,007
SSGA ACTIVE ETF TR BLACKSTONE SENR 78467V608 3,443 76,584 SH   SOLE   0 0 76,584
VANECK ETF TRUST FALLEN ANGEL HG 92189F437 717 23,608 SH   SOLE   0 0 23,608
VANGUARD ADMIRAL FDS INC SMLCP 600 GRTH 921932794 692 3,205 SH   SOLE   0 0 3,205
VANGUARD INDEX FDS GROWTH ETF 922908736 20,834 72,443 SH   SOLE   0 0 72,443
VANGUARD INDEX FDS MID CAP ETF 922908629 3,252 13,675 SH   SOLE   0 0 13,675
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 3,873 9,328 SH   SOLE   0 0 9,328
VANGUARD INDEX FDS SM CP VAL ETF 922908611 5,180 29,445 SH   SOLE   0 0 29,445
VANGUARD INDEX FDS SMALL CP ETF 922908751 3,965 18,657 SH   SOLE   0 0 18,657
VANGUARD INDEX FDS VALUE ETF 922908744 16,839 113,943 SH   SOLE   0 0 113,943
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 10,935 140,024 SH   SOLE   0 0 140,024
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 2,542 52,943 SH   SOLE   0 0 52,943
VANGUARD WORLD FDS MATERIALS ETF 92204A801 7,541 38,860 SH   SOLE   0 0 38,860
WISDOMTREE TR ITL HDG QTLY DIV 97717X594 1,220 28,413 SH   SOLE   0 0 28,413