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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ALPS ETF TR RIVRFRNT STR INC 00162Q783 BBG005CZ6C31 1,279,633 55,928 SH   SOLE   0 0 55,928
APPLE INC COM 037833100 BBG001S5N8V8 252,076 1,470 SH   SOLE   0 0 1,470
BOOKING HOLDINGS INC COM 09857L108 BBG001S89N72 558,694 154 SH   SOLE   0 0 154
CHIPOTLE MEXICAN GRILL INC COM 169656105 BBG001SP50B3 581,354 200 SH   SOLE   0 0 200
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309 BBG0078X1341 12,035,423 265,624 SH   SOLE   9 0 265,615
FIRST TR EXCHANGE-TRADED FD SENIOR LN FD 33738D309 BBG004HQLXB7 548,051 11,860 SH   SOLE   0 0 11,860
FLEXSHARES TR MORNSTAR UPSTR 33939L407 BBG00243P8S9 7,888,068 192,064 SH   SOLE   0 0 192,064
FRANKLIN TEMPLETON ETF TR SENIOR LOAN ETF 35473P595 BBG00L2CKST9 867,834 35,429 SH   SOLE   0 0 35,429
INNOVATOR ETFS TRUST LADDERED ALC BFR 45783Y756 BBG0154NXX67 2,021,256 68,797 SH   SOLE   0 0 68,797
INNOVATOR ETFS TRUST US EQTY BUF SEP 45782C664 BBG00Q4023H0 1,779,602 45,303 SH   SOLE   0 0 45,303
INVESCO QQQ TR UNIT SER 1 46090E103 BBG001S9GN63 545,688 1,229 SH   SOLE   0 0 1,229
ISHARES INC CORE MSCI EMKT 46434G103 BBG003HC3DG9 290,250 5,625 SH   SOLE   0 0 5,625
ISHARES INC JP MRG EM CRP BD 464286251 BBG002WGKJD6 222,311 4,998 SH   SOLE   0 0 4,998
ISHARES TR CONV BD ETF 46435G102 BBG009BKDMM6 3,243,333 40,628 SH   SOLE   0 0 40,628
ISHARES TR CORE S&P MCP ETF 464287507 BBG001SFC7V0 515,683 8,490 SH   SOLE   0 0 8,490
ISHARES TR FALN ANGLS USD 46435G474 BBG00D332C84 3,748,061 139,541 SH   SOLE   12 0 139,529
ISHARES TR MRGSTR MD CP GRW 464288307 BBG001SBRK44 11,049,899 156,337 SH   SOLE   11 0 156,326
ISHARES TR MSCI EAFE SMCP 46435G839 BBG009HYWS37 7,456,743 236,722 SH   SOLE   15 0 236,707
MICROSOFT CORP COM 594918104 BBG001S5TD05 663,055 1,576 SH   SOLE   0 0 1,576
NATIXIS ETF TR LOOMIS SAYLES 63873X208 BBG00JM7QWH1 381,523 15,970 SH   SOLE   0 0 15,970
NVIDIA CORPORATION COM 67066G104 BBG001S5TZJ6 1,391,482 1,540 SH   SOLE   0 0 1,540
PEAKSTONE REALTY TRUST COMMON SHARES 39818P799 BBG00XTV8H01 338,633 20,994 SH   SOLE   841 0 20,153
PROCTER AND GAMBLE CO COM 742718109 BBG001S5V4L9 291,563 1,797 SH   SOLE   0 0 1,797
RPM INTL INC COM 749685103 BBG001S7X317 204,475 1,719 SH   SOLE   0 0 1,719
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755 BBG0051K49J8 11,767,004 330,441 SH   SOLE   19 0 330,422
SELECT SECTOR SPDR TR INDL 81369Y704 BBG001S7T232 323,087 2,565 SH   SOLE   0 0 2,565
SELECT SECTOR SPDR TR RL EST SEL SEC 81369Y860 BBG00B597137 6,772,952 171,337 SH   SOLE   0 0 171,337
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 BBG001SRXRD7 13,711,776 378,883 SH   SOLE   25 0 378,858
SPDR INDEX SHS FDS S&P NORTH AMER 78463X152 BBG00BNK9JD0 5,308,232 97,256 SH   SOLE   0 0 97,256
SPDR S&P 500 ETF TR TR UNIT 78462F103 BBG001S72SM3 6,979,846 13,344 SH   SOLE   2 0 13,342
SPDR SER TR BLOOMBERG 1 10 Y 78468R861 BBG004MKB438 860,516 46,165 SH   SOLE   0 0 46,165
SPDR SER TR PORTFOLIO SHORT 78464A474 BBG001T6B0P2 21,385,756 718,366 SH   SOLE   10 0 718,356
SPDR SER TR S&P 400 MDCP VAL 78464A839 BBG001SPTBM1 5,252,588 69,113 SH   SOLE   6 0 69,107
THERMO FISHER SCIENTIFIC INC COM 883556102 BBG001S5WS08 391,736 674 SH   SOLE   0 0 674
UNION PAC CORP COM 907818108 BBG001S5X2M0 209,041 850 SH   SOLE   0 0 850
VANECK ETF TRUST FALLEN ANGEL HG 92189F437 BBG002VZY7Y3 816,536 28,137 SH   SOLE   0 0 28,137
VANGUARD ADMIRAL FDS INC SMLCP 600 GRTH 921932794 BBG001TC6MT3 928,447 8,258 SH   SOLE   0 0 8,258
VANGUARD INDEX FDS GROWTH ETF 922908736 BBG001SHTTS4 24,953,467 72,497 SH   SOLE   4 0 72,493
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 BBG001TC6MC1 3,985,964 8,292 SH   SOLE   0 0 8,292
VANGUARD INDEX FDS SM CP VAL ETF 922908611 BBG001SHVTR2 12,788,802 66,650 SH   SOLE   3 0 66,647
VANGUARD INDEX FDS SMALL CP ETF 922908751 BBG001SHTTV0 259,450 1,135 SH   SOLE   0 0 1,135
VANGUARD INDEX FDS VALUE ETF 922908744 BBG001SHVR78 21,080,110 129,437 SH   SOLE   9 0 129,428
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810 BBG00C863MQ1 1,498,684 18,382 SH   SOLE   0 0 18,382
WISDOMTREE TR ITL HDG QTLY DIV 97717X594 BBG006G0J5J6 11,423,900 248,670 SH   SOLE   16 0 248,654