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
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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 1,519,416 65,595 SH   SOLE   0 0 65,595
APPLE INC COM 037833100 BBG001S5N8V8 1,014,056 5,267 SH   SOLE   0 0 5,267
BOOKING HOLDINGS INC COM 09857L108 BBG001S89N72 645,594 182 SH   SOLE   0 0 182
CHIPOTLE MEXICAN GRILL INC COM 169656105 BBG001SP50B3 594,610 260 SH   SOLE   0 0 260
EXXON MOBIL CORP COM 30231G102 BBG001S69V32 232,953 2,330 SH   SOLE   0 0 2,330
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309 BBG0078X1341 11,213,548 243,561 SH   SOLE   9 0 243,552
FIRST TR EXCHANGE-TRADED FD SENIOR LN FD 33738D309 BBG004HQLXB7 1,984,557 43,077 SH   SOLE   0 0 43,077
FLEXSHARES TR MORNSTAR UPSTR 33939L407 BBG00243P8S9 9,754,945 238,216 SH   SOLE   0 0 238,216
INNOVATOR ETFS TR LADDERED ALC BFR 45783Y756 BBG0154NXX67 1,984,377 71,490 SH   SOLE   0 0 71,490
INNOVATOR ETFS TR US EQTY BUF SEP 45782C664 BBG00Q4023H0 1,684,529 45,925 SH   SOLE   0 0 45,925
INVESCO QQQ TR UNIT SER 1 46090E103 BBG001S9GN63 507,805 1,240 SH   SOLE   0 0 1,240
ISHARES INC CORE MSCI EMKT 46434G103 BBG003HC3DG9 361,091 7,139 SH   SOLE   0 0 7,139
ISHARES INC JP MRG EM CRP BD 464286251 BBG002WGKJD6 258,999 5,869 SH   SOLE   0 0 5,869
ISHARES TR CONV BD ETF 46435G102 BBG009BKDMM6 2,838,985 36,124 SH   SOLE   0 0 36,124
ISHARES TR CORE S&P MCP ETF 464287507 BBG001SFC7V0 813,435 2,935 SH   SOLE   0 0 2,935
ISHARES TR CORE S&P SCP ETF 464287804 BBG001SFC7W9 280,801 2,594 SH   SOLE   0 0 2,594
ISHARES TR FALN ANGLS USD 46435G474 BBG00D332C84 3,727,654 141,199 SH   SOLE   12 0 141,187
ISHARES TR MRGSTR MD CP GRW 464288307 BBG001SBRK44 10,134,633 157,248 SH   SOLE   11 0 157,237
ISHARES TR MSCI EAFE SMCP 46435G839 BBG009HYWS37 6,937,402 236,752 SH   SOLE   15 0 236,737
MICROSOFT CORP COM 594918104 BBG001S5TD05 598,656 1,592 SH   SOLE   0 0 1,592
NATIXIS ETF TR LOOMIS SAYLES 63873X208 BBG00JM7QWH1 503,434 21,029 SH   SOLE   0 0 21,029
NVIDIA CORPORATION COM 67066G104 BBG001S5TZJ6 1,430,195 2,888 SH   SOLE   0 0 2,888
PEAKSTONE REALTY TRUST COMMON SHARES 39818P799 BBG00XTV8H01 509,212 25,550 SH   SOLE   841 0 24,709
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755 BBG0051K49J8 10,268,255 304,425 SH   SOLE   19 0 304,406
SELECT SECTOR SPDR TR RL EST SEL SEC 81369Y860 BBG00B597137 6,428,629 160,475 SH   SOLE   0 0 160,475
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 BBG001SRXRD7 13,099,257 369,931 SH   SOLE   25 0 369,906
SPDR INDEX SHS FDS S&P NORTH AMER 78463X152 BBG00BNK9JD0 2,885,461 56,580 SH   SOLE   0 0 56,580
SPDR S&P 500 ETF TR TR UNIT 78462F103 BBG001S72SM3 5,961,813 12,543 SH   SOLE   2 0 12,541
SPDR SER TR BLOOMBERG 1 10 Y 78468R861 BBG004MKB438 951,566 51,187 SH   SOLE   0 0 51,187
SPDR SER TR PORTFOLIO SHORT 78464A474 BBG001T6B0P2 18,620,362 625,264 SH   SOLE   10 0 625,254
SPDR SER TR S&P 400 MDCP VAL 78464A839 BBG001SPTBM1 4,915,653 66,989 SH   SOLE   6 0 66,983
THERMO FISHER SCIENTIFIC INC COM 883556102 BBG001S5WS08 359,345 677 SH   SOLE   0 0 677
VANECK ETF TRUST FALLEN ANGEL HG 92189F437 BBG002VZY7Y3 823,453 28,612 SH   SOLE   0 0 28,612
VANGUARD ADMIRAL FDS INC SMLCP 600 GRTH 921932794 BBG001TC6MT3 903,302 8,395 SH   SOLE   0 0 8,395
VANGUARD INDEX FDS GROWTH ETF 922908736 BBG001SHTTS4 23,797,242 76,548 SH   SOLE   4 0 76,544
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 BBG001TC6MC1 3,732,187 8,544 SH   SOLE   0 0 8,544
VANGUARD INDEX FDS SM CP VAL ETF 922908611 BBG001SHVTR2 12,118,460 67,336 SH   SOLE   3 0 67,333
VANGUARD INDEX FDS SMALL CP ETF 922908751 BBG001SHTTV0 382,074 1,791 SH   SOLE   0 0 1,791
VANGUARD INDEX FDS VALUE ETF 922908744 BBG001SHVR78 19,562,673 130,854 SH   SOLE   9 0 130,845
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810 BBG00C863MQ1 1,388,450 17,500 SH   SOLE   0 0 17,500
WISDOMTREE TR ITL HDG QTLY DIV 97717X594 BBG006G0J5J6 10,571,318 251,758 SH   SOLE   16 0 251,742