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
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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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ALPS ETF TR RIVRFRNT STR INC 00162Q783 BBG005CZ6C31 1,279,922 55,673 SH   SOLE   0 0 55,673
APPLE INC COM 037833100 BBG001S5N8V8 865,725 5,250 SH   SOLE   0 0 5,250
BOOKING HOLDINGS INC COM 09857L108 BBG001S89N72 482,739 182 SH   SOLE   0 0 182
CHIPOTLE MEXICAN GRILL INC COM 169656105 BBG001SP50B3 444,155 260 SH   SOLE   0 0 260
EXXON MOBIL CORP COM 30231G102 BBG001S69V32 252,218 2,300 SH   SOLE   0 0 2,300
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309 BBG0078X1341 8,695,978 189,043 SH   SOLE   9 0 189,034
FIRST TR EXCHANGE-TRADED FD SENIOR LN FD 33738D309 BBG004HQLXB7 2,049,598 45,305 SH   SOLE   0 0 45,305
FLEXSHARES TR MORNSTAR UPSTR 33939L407 BBG00243P8S9 12,271,036 290,164 SH   SOLE   0 0 290,164
INNOVATOR ETFS TR LADDERED ALC BFR 45783Y756 BBG0154NXX67 1,808,648 73,993 SH   SOLE   0 0 73,993
INNOVATOR ETFS TR US EQTY BUF SEP 45782C664 BBG00Q4023H0 1,475,129 45,930 SH   SOLE   0 0 45,930
INVESCO QQQ TR UNIT SER 1 46090E103 BBG001S9GN63 444,809 1,386 SH   SOLE   0 0 1,386
ISHARES INC CORE MSCI EMKT 46434G103 BBG003HC3DG9 292,496 5,995 SH   SOLE   0 0 5,995
ISHARES INC JP MRG EM CRP BD 464286251 BBG002WGKJD6 301,087 6,912 SH   SOLE   0 0 6,912
ISHARES TR CONV BD ETF 46435G102 BBG009BKDMM6 2,402,778 33,087 SH   SOLE   0 0 33,087
ISHARES TR CORE S&P MCP ETF 464287507 BBG001SFC7V0 866,054 3,462 SH   SOLE   0 0 3,462
ISHARES TR CORE S&P SCP ETF 464287804 BBG001SFC7W9 250,840 2,594 SH   SOLE   0 0 2,594
ISHARES TR FALN ANGLS USD 46435G474 BBG00D332C84 3,237,188 128,104 SH   SOLE   12 0 128,092
ISHARES TR MRGSTR MD CP GRW 464288307 BBG001SBRK44 8,908,043 154,761 SH   SOLE   11 0 154,750
ISHARES TR MSCI EAFE SMCP 46435G839 BBG009HYWS37 6,398,980 233,745 SH   SOLE   15 0 233,730
MICROSOFT CORP COM 594918104 BBG001S5TD05 451,478 1,566 SH   SOLE   0 0 1,566
NATIXIS ETF TR LOOMIS SAYLES 63873X208 BBG00JM7QWH1 499,439 21,029 SH   SOLE   0 0 21,029
NVIDIA CORPORATION COM 67066G104 BBG001S5TZJ6 858,309 3,090 SH   SOLE   0 0 3,090
RPM INTL INC COM 749685103 BBG001S7X317 278,295 3,190 SH   SOLE   0 0 3,190
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755 BBG0051K49J8 9,107,043 291,239 SH   SOLE   19 0 291,220
SELECT SECTOR SPDR TR RL EST SEL SEC 81369Y860 BBG00B597137 6,710,122 179,511 SH   SOLE   0 0 179,511
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 BBG001SRXRD7 12,750,490 373,586 SH   SOLE   25 0 373,561
SPDR INDEX SHS FDS S&P NORTH AMER 78463X152 BBG00BNK9JD0 253,294 4,723 SH   SOLE   0 0 4,723
SPDR S&P 500 ETF TR TR UNIT 78462F103 BBG001S72SM3 5,180,012 12,653 SH   SOLE   2 0 12,651
SPDR SER TR BLOOMBERG 1 10 Y 78468R861 BBG004MKB438 1,266,884 66,573 SH   SOLE   0 0 66,573
SPDR SER TR PORTFOLIO SHORT 78464A474 BBG001T6B0P2 14,298,104 482,555 SH   SOLE   10 0 482,545
SPDR SER TR S&P 400 MDCP VAL 78464A839 BBG001SPTBM1 3,969,822 60,076 SH   SOLE   6 0 60,070
THERMO FISHER SCIENTIFIC INC COM 883556102 BBG001S5WS08 388,474 674 SH   SOLE   0 0 674
VANECK ETF TRUST FALLEN ANGEL HG 92189F437 BBG002VZY7Y3 757,521 27,035 SH   SOLE   0 0 27,035
VANGUARD ADMIRAL FDS INC SMLCP 600 GRTH 921932794 BBG001TC6MT3 1,062,480 11,215 SH   SOLE   0 0 11,215
VANGUARD INDEX FDS GROWTH ETF 922908736 BBG001SHTTS4 20,353,556 81,597 SH   SOLE   4 0 81,593
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 BBG001TC6MC1 3,456,604 9,191 SH   SOLE   0 0 9,191
VANGUARD INDEX FDS SM CP VAL ETF 922908611 BBG001SHVTR2 10,176,516 64,100 SH   SOLE   3 0 64,097
VANGUARD INDEX FDS SMALL CP ETF 922908751 BBG001SHTTV0 424,425 2,239 SH   SOLE   0 0 2,239
VANGUARD INDEX FDS VALUE ETF 922908744 BBG001SHVR78 18,105,393 131,094 SH   SOLE   9 0 131,085
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810 BBG00C863MQ1 1,209,825 16,420 SH   SOLE   0 0 16,420
WHEELS UP EXPERIENCE INC COM CL A 96328L106 BBG00XTV85M3 10,784 17,042 SH   SOLE   0 0 17,042
WISDOMTREE TR ITL HDG QTLY DIV 97717X594 BBG006G0J5J6 9,847,668 249,814 SH   SOLE   16 0 249,798