<SEC-DOCUMENT>0001735605-24-000003.txt : 20240806 <SEC-HEADER>0001735605-24-000003.hdr.sgml : 20240806 <ACCEPTANCE-DATETIME>20240806090210 ACCESSION NUMBER: 0001735605-24-000003 CONFORMED SUBMISSION TYPE: 13F-HR PUBLIC DOCUMENT COUNT: 2 CONFORMED PERIOD OF REPORT: 20240630 FILED AS OF DATE: 20240806 DATE AS OF CHANGE: 20240806 EFFECTIVENESS DATE: 20240806 FILER: COMPANY DATA: COMPANY CONFORMED NAME: USAdvisors Wealth Management, LLC CENTRAL INDEX KEY: 0001735605 ORGANIZATION NAME: IRS NUMBER: 273888632 STATE OF INCORPORATION: DE FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 13F-HR SEC ACT: 1934 Act SEC FILE NUMBER: 028-18704 FILM NUMBER: 241177283 BUSINESS ADDRESS: STREET 1: 15750 VENTURE LANE CITY: EDEN PRAIRIE STATE: MN ZIP: 55344 BUSINESS PHONE: 9528290000 MAIL ADDRESS: STREET 1: 15750 VENTURE LANE CITY: EDEN PRAIRIE STATE: MN ZIP: 55344 </SEC-HEADER> <DOCUMENT> <TYPE>13F-HR <SEQUENCE>1 <FILENAME>primary_doc.xml <TEXT> <XML> <?xml version="1.0" encoding="UTF-8"?> <edgarSubmission xmlns="http://www.sec.gov/edgar/thirteenffiler" xmlns:com="http://www.sec.gov/edgar/common"> <schemaVersion>X0202</schemaVersion> <headerData> <submissionType>13F-HR</submissionType> <filerInfo> <liveTestFlag>LIVE</liveTestFlag> <flags> <confirmingCopyFlag>false</confirmingCopyFlag> <returnCopyFlag>true</returnCopyFlag> <overrideInternetFlag>false</overrideInternetFlag> </flags> <filer> <credentials> <cik>0001735605</cik> <ccc>XXXXXXXX</ccc> </credentials> </filer> <periodOfReport>06-30-2024</periodOfReport> </filerInfo> </headerData> <formData> <coverPage> <reportCalendarOrQuarter>06-30-2024</reportCalendarOrQuarter> <filingManager> <name>USAdvisors Wealth Management, LLC</name> <address> <com:street1>15750 VENTURE LANE</com:street1> <com:city>EDEN PRAIRIE</com:city> <com:stateOrCountry>MN</com:stateOrCountry> <com:zipCode>55344</com:zipCode> </address> </filingManager> <reportType>13F HOLDINGS REPORT</reportType> <form13FFileNumber>028-18704</form13FFileNumber> <provideInfoForInstruction5>N</provideInfoForInstruction5> </coverPage> <signatureBlock> <name>Andrew Beilke</name> <title>COO</title> <phone>952-829-0000</phone> <signature>Andrew Beilke</signature> <city>Marshall</city> <stateOrCountry>MN</stateOrCountry> <signatureDate>08-06-2024</signatureDate> </signatureBlock> <summaryPage> <otherIncludedManagersCount>0</otherIncludedManagersCount> <tableEntryTotal>127</tableEntryTotal> <tableValueTotal>284210</tableValueTotal> <isConfidentialOmitted>false</isConfidentialOmitted> </summaryPage> </formData> </edgarSubmission> </XML> </TEXT> </DOCUMENT> <DOCUMENT> <TYPE>INFORMATION TABLE <SEQUENCE>2 <FILENAME>usawm13fq22024.xml <DESCRIPTION>USAWM 13F Q2 2024 <TEXT> <XML> <?xml version="1.0" encoding="UTF-8" standalone="yes"?> <ns1:informationTable xmlns:ns1="http://www.sec.gov/edgar/document/thirteenf/informationtable"> <ns1:infoTable> <ns1:nameOfIssuer>3M CO</ns1:nameOfIssuer> <ns1:titleOfClass>COM</ns1:titleOfClass> <ns1:cusip>88579Y101</ns1:cusip> <ns1:value>3026</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>29619</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>29619</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>0</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>Alphabet Inc.</ns1:nameOfIssuer> <ns1:titleOfClass>COM</ns1:titleOfClass> <ns1:cusip>02079K305</ns1:cusip> <ns1:value>743</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>4079</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>4079</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>0</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>Amazon.com, Inc.</ns1:nameOfIssuer> <ns1:titleOfClass>Com</ns1:titleOfClass> <ns1:cusip>023135106</ns1:cusip> <ns1:value>965</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>4996</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>4996</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>0</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>Alpha Tau Medical Ltd.</ns1:nameOfIssuer> <ns1:titleOfClass>ORDINARY SHARES</ns1:titleOfClass> <ns1:cusip>M0740A108</ns1:cusip> <ns1:value>27</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>10687</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>10687</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>0</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>AMERICAN CENTY ETF TR</ns1:nameOfIssuer> <ns1:titleOfClass>AVANTIS EMGMKT</ns1:titleOfClass> <ns1:cusip>025072604</ns1:cusip> <ns1:value>353</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>5778</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>5778</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>0</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>Apple Inc.</ns1:nameOfIssuer> <ns1:titleOfClass>Com</ns1:titleOfClass> <ns1:cusip>037833100</ns1:cusip> <ns1:value>975</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>4629</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>4629</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>0</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>Avantis US Equity ETF</ns1:nameOfIssuer> <ns1:titleOfClass>US Equity ETF</ns1:titleOfClass> <ns1:cusip>025072885</ns1:cusip> <ns1:value>1034</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>11472</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>11472</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>0</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>Avantis International Equity ETF</ns1:nameOfIssuer> <ns1:titleOfClass>International Equity ETF-AVDE</ns1:titleOfClass> <ns1:cusip>025072703</ns1:cusip> <ns1:value>1063</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>17084</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>17084</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>0</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>Avantis US Large Cap Value ETF</ns1:nameOfIssuer> <ns1:titleOfClass>Large Cap Value</ns1:titleOfClass> <ns1:cusip>025072349</ns1:cusip> <ns1:value>1401</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>22300</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>22300</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>0</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>Avantis US Small Cap Value ETF</ns1:nameOfIssuer> <ns1:titleOfClass>SMALL CAP ETF</ns1:titleOfClass> <ns1:cusip>025072877</ns1:cusip> <ns1:value>4237</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>47226</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>47226</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>0</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>BANK OF AMERICA CORP.</ns1:nameOfIssuer> <ns1:titleOfClass>COM</ns1:titleOfClass> <ns1:cusip>060505104</ns1:cusip> <ns1:value>222</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>5583</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>5583</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>0</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>Berkshire Hathaway Class B</ns1:nameOfIssuer> <ns1:titleOfClass>Com</ns1:titleOfClass> <ns1:cusip>084670702</ns1:cusip> <ns1:value>875</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>2152</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>2152</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>0</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>CIM REAL ESTATE FINANCE TRUST INC.</ns1:nameOfIssuer> <ns1:titleOfClass>12558Q103</ns1:titleOfClass> <ns1:cusip>19326U100</ns1:cusip> <ns1:value>89</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>14707</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>14707</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>0</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>COMCAST CORP CLASS A</ns1:nameOfIssuer> <ns1:titleOfClass>(CMCSA) COMCAST CORP CLASS A</ns1:titleOfClass> <ns1:cusip>20030N101</ns1:cusip> <ns1:value>284</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>7260</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>7260</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>0</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>COSTCO WHOLESALE CO </ns1:nameOfIssuer> <ns1:titleOfClass>COM</ns1:titleOfClass> <ns1:cusip>22160K105</ns1:cusip> <ns1:value>326</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>384</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>384</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>0</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>DIMENSIONAL ETF TR INTL CORE ETF</ns1:nameOfIssuer> <ns1:titleOfClass>INTL CORE EQT MK</ns1:titleOfClass> <ns1:cusip>25434V203</ns1:cusip> <ns1:value>1393</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>46972</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>46972</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>0</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>DIMENSIONAL ETF TR SHORT DURATION FX</ns1:nameOfIssuer> <ns1:titleOfClass>SHORT DURA CORE</ns1:titleOfClass> <ns1:cusip>25434V864</ns1:cusip> <ns1:value>923</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>19656</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>19656</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>0</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>DIMENSIONAL ETF TR U S CORE EQUITY 2</ns1:nameOfIssuer> <ns1:titleOfClass>US CORE EQUITY 2</ns1:titleOfClass> <ns1:cusip>25434V708</ns1:cusip> <ns1:value>6564</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>203601</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>203601</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>0</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>DIMENSIONAL ETF TR U S SMALL CAP ETF</ns1:nameOfIssuer> <ns1:titleOfClass>US SMALL CAP ETF</ns1:titleOfClass> <ns1:cusip>25434V500</ns1:cusip> <ns1:value>974</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>16214</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>16214</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>0</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>DIMENSIONAL ETF TR US CORE ETF</ns1:nameOfIssuer> <ns1:titleOfClass>US CORE EQT MKT</ns1:titleOfClass> <ns1:cusip>25434V104</ns1:cusip> <ns1:value>1890</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>50437</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>50437</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>0</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>DIMENSIONAL ETF TRUST</ns1:nameOfIssuer> <ns1:titleOfClass>WORLD EX US CORE</ns1:titleOfClass> <ns1:cusip>25434V880</ns1:cusip> <ns1:value>2610</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>102711</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>102711</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>0</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>DIMENSIONAL ETF TRUST</ns1:nameOfIssuer> <ns1:titleOfClass>CORE FIXED INCOM</ns1:titleOfClass> <ns1:cusip>25434V872</ns1:cusip> <ns1:value>2129</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>51267</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>51267</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>0</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>DIMENSIONAL ETF TRUST</ns1:nameOfIssuer> <ns1:titleOfClass>EMGR CRE EQT MNG</ns1:titleOfClass> <ns1:cusip>25434V302</ns1:cusip> <ns1:value>518</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>20035</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>20035</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>0</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>DUKE ENERGY CORP FLORIDA</ns1:nameOfIssuer> <ns1:titleOfClass>DUKE ENERGY CORP</ns1:titleOfClass> <ns1:cusip>26441C204</ns1:cusip> <ns1:value>8</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>10000</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>10000</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>0</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>ECOLAB INC</ns1:nameOfIssuer> <ns1:titleOfClass>COM</ns1:titleOfClass> <ns1:cusip>278865100</ns1:cusip> <ns1:value>1406</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>5910</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>5910</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>0</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>Eli Lilly & Co</ns1:nameOfIssuer> <ns1:titleOfClass>COM</ns1:titleOfClass> <ns1:cusip>532457108</ns1:cusip> <ns1:value>375</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>414</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>414</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>0</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>ENERGY TRANSFER LP LP</ns1:nameOfIssuer> <ns1:titleOfClass>ET</ns1:titleOfClass> <ns1:cusip>29273V100</ns1:cusip> <ns1:value>171</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>10550</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>10550</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>0</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>EXCHANGE TRADED CONCEPTS TR</ns1:nameOfIssuer> <ns1:titleOfClass>ROBO GLB ETF</ns1:titleOfClass> <ns1:cusip>301505707</ns1:cusip> <ns1:value>2252</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>40884</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>40884</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>0</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>FIDELITY TOTAL BOND ETF</ns1:nameOfIssuer> <ns1:titleOfClass>TOTAL BD ETF</ns1:titleOfClass> <ns1:cusip>316188309</ns1:cusip> <ns1:value>8161</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>181654</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>181654</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>0</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>FIRST TR EX-TD VIII FT CBOE VEST FUN</ns1:nameOfIssuer> <ns1:titleOfClass>(BUFR)Cboe Vest Fund of Buffer ETF</ns1:titleOfClass> <ns1:cusip>33740F755</ns1:cusip> <ns1:value>2782</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>96202</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>96202</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>0</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>FIRST TRUST LRGE CAP CORE APADEX ETF</ns1:nameOfIssuer> <ns1:titleOfClass>COM SHS</ns1:titleOfClass> <ns1:cusip>33734K109</ns1:cusip> <ns1:value>702</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>7242</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>7242</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>0</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>FIRST TRUST TCW OPPORTUNISTIC FI ETF</ns1:nameOfIssuer> <ns1:titleOfClass>TCW OPPORTUNIS</ns1:titleOfClass> <ns1:cusip>33740F805</ns1:cusip> <ns1:value>4721</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>109684</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>109684</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>0</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>FUBOTV INC.</ns1:nameOfIssuer> <ns1:titleOfClass>(FUBO) FUBOTV INC.</ns1:titleOfClass> <ns1:cusip>35953D104</ns1:cusip> <ns1:value>31</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>25000</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>25000</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>0</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>HARTFORD SCHRODERS TAX AWARE BND ETF</ns1:nameOfIssuer> <ns1:titleOfClass>(HTAB) TAX AWARE BND ETF</ns1:titleOfClass> <ns1:cusip>41653L404</ns1:cusip> <ns1:value>399</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>20678</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>20678</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>0</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>INVESCO ACTVELY MNGD ETC FD</ns1:nameOfIssuer> <ns1:titleOfClass>OPTIMUM YIELD</ns1:titleOfClass> <ns1:cusip>46090F100</ns1:cusip> <ns1:value>298</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>21217</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>21217</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>0</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>INVESCO EXCHANGE-TRADED FD TR II INV</ns1:nameOfIssuer> <ns1:titleOfClass>Small Cap 600 Revenue</ns1:titleOfClass> <ns1:cusip>46138G664</ns1:cusip> <ns1:value>201</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>5033</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>5033</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>0</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>INVESCO EXCHANGE-TRADED FD TR INVESC</ns1:nameOfIssuer> <ns1:titleOfClass>S&P MDCP QUALITY (XMHQ)</ns1:titleOfClass> <ns1:cusip>46137V472</ns1:cusip> <ns1:value>6014</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>61982</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>61982</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>0</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>INVESCO S&P 500 MOMENTUM ETF</ns1:nameOfIssuer> <ns1:titleOfClass>SPMO</ns1:titleOfClass> <ns1:cusip>46138E339</ns1:cusip> <ns1:value>15744</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>180021</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>180021</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>0</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>INVESCO QQQ TRUST</ns1:nameOfIssuer> <ns1:titleOfClass>Nasdaq 100 ETF</ns1:titleOfClass> <ns1:cusip>46090E103</ns1:cusip> <ns1:value>28297</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>59061</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>59061</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>0</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>INVESCO S&P SMALL CAP MOMENTM ETF</ns1:nameOfIssuer> <ns1:titleOfClass>S&P SMLCP MOMENT</ns1:titleOfClass> <ns1:cusip>46137V498</ns1:cusip> <ns1:value>1137</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>18936</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>18936</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>0</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>INVESCO TOTAL RETURN BOND ETF</ns1:nameOfIssuer> <ns1:titleOfClass>TTL RETURN BND ETF (GTO)</ns1:titleOfClass> <ns1:cusip>46090A804</ns1:cusip> <ns1:value>2952</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>63686</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>63686</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>0</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>iShares 0-3 Month Treasury Bond ETF</ns1:nameOfIssuer> <ns1:titleOfClass>0-3 Month Treasury Bond ETF</ns1:titleOfClass> <ns1:cusip>46436E718</ns1:cusip> <ns1:value>594</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>5908</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>5908</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>0</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>iShares 0-5 Year TIPS Bond ETF</ns1:nameOfIssuer> <ns1:titleOfClass>BOND ETF</ns1:titleOfClass> <ns1:cusip>46429B747</ns1:cusip> <ns1:value>2384</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>23967</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>23967</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>0</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>iShares 20 PLS YEAR TREASURY BND ETF</ns1:nameOfIssuer> <ns1:titleOfClass>TLT</ns1:titleOfClass> <ns1:cusip>464287432</ns1:cusip> <ns1:value>3724</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>40578</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>40578</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>0</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>iShares Broad USD HG YLD CRP BND Etf</ns1:nameOfIssuer> <ns1:titleOfClass>USHY</ns1:titleOfClass> <ns1:cusip>46435U853</ns1:cusip> <ns1:value>352</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>9706</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>9706</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>0</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>ISHARES CORE CONSERVATIVE ALL ETF IV</ns1:nameOfIssuer> <ns1:titleOfClass>CONSER ALLOC ETF</ns1:titleOfClass> <ns1:cusip>464289883</ns1:cusip> <ns1:value>244</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>6632</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>6632</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>0</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>ISHARES CORE DIVIDEND GROWTH ETF</ns1:nameOfIssuer> <ns1:titleOfClass>CORE DIV GRWTH</ns1:titleOfClass> <ns1:cusip>46434V621</ns1:cusip> <ns1:value>1606</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>27885</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>27885</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>0</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>iShares Core S&P Mid-Cap ETF</ns1:nameOfIssuer> <ns1:titleOfClass>GROWTH ETF</ns1:titleOfClass> <ns1:cusip>464287507</ns1:cusip> <ns1:value>5043</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>86182</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>86182</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>0</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>ISHARES CORE S&P US VALUE ETF</ns1:nameOfIssuer> <ns1:titleOfClass>CORE S&P USVLU</ns1:titleOfClass> <ns1:cusip>464287663</ns1:cusip> <ns1:value>5768</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>65459</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>65459</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>0</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>ISHARES CORE US AGGREGATE BOND ETF</ns1:nameOfIssuer> <ns1:titleOfClass>CORE US AGGBD ET</ns1:titleOfClass> <ns1:cusip>464287226</ns1:cusip> <ns1:value>331</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>3414</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>3414</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>0</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>ISHARES GLOBAL 100 ETF</ns1:nameOfIssuer> <ns1:titleOfClass>GLOBAL 100 ETF</ns1:titleOfClass> <ns1:cusip>464287572</ns1:cusip> <ns1:value>4079</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>42241</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>42241</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>0</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>ISHARES MSCI ACWI ETF</ns1:nameOfIssuer> <ns1:titleOfClass>MSCI ACWI ETF</ns1:titleOfClass> <ns1:cusip>464288257</ns1:cusip> <ns1:value>5022</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>44688</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>44688</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>0</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>ISHARES MSCI USA MOMNTUM FCT ETF</ns1:nameOfIssuer> <ns1:titleOfClass>USA MOMENTUM FCT</ns1:titleOfClass> <ns1:cusip>46432F396</ns1:cusip> <ns1:value>279</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>1433</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>1433</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>0</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>ISHARES MSCI USA QUALITY FACTOR ETF</ns1:nameOfIssuer> <ns1:titleOfClass>USA QUALITY FCTR</ns1:titleOfClass> <ns1:cusip>46432F339</ns1:cusip> <ns1:value>1512</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>8857</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>8857</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>0</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>ISHARES RUSSELL 1000 GROWTH ETF IV</ns1:nameOfIssuer> <ns1:titleOfClass>RUS 1000 GRW ETF</ns1:titleOfClass> <ns1:cusip>464287614</ns1:cusip> <ns1:value>1937</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>5315</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>5315</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>0</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>ISHARES RUSSELL 1000 VALUE ETF IV</ns1:nameOfIssuer> <ns1:titleOfClass>RUS 1000 VAL ETF</ns1:titleOfClass> <ns1:cusip>464287598</ns1:cusip> <ns1:value>311</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>1788</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>1788</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>0</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>ISHARES RUSSELL 2000 ETF</ns1:nameOfIssuer> <ns1:titleOfClass>RUSSELL 2000 ETF</ns1:titleOfClass> <ns1:cusip>464287655</ns1:cusip> <ns1:value>4428</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>21825</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>21825</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>0</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>ISHARES RUSSELL MID-CAP ETF</ns1:nameOfIssuer> <ns1:titleOfClass>RUS MID CAP ETF</ns1:titleOfClass> <ns1:cusip>464287499</ns1:cusip> <ns1:value>911</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>11237</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>11237</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>0</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>ISHARES RUSSELL MID CAP GROWTH ETF</ns1:nameOfIssuer> <ns1:titleOfClass>MID CAP GROWTH ETF</ns1:titleOfClass> <ns1:cusip>464287481</ns1:cusip> <ns1:value>3304</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>29949</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>29949</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>0</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>ISHARES TR</ns1:nameOfIssuer> <ns1:titleOfClass>CORE S&P500 ETF</ns1:titleOfClass> <ns1:cusip>464287200</ns1:cusip> <ns1:value>643</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>1176</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>1176</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>0</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>ISHARES TR RUSSELL 2500 ETF</ns1:nameOfIssuer> <ns1:titleOfClass>RUSEL 2500 ETF</ns1:titleOfClass> <ns1:cusip>46435G268</ns1:cusip> <ns1:value>907</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>14498</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>14498</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>0</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>ISHARES US AEROSPACE DEFENSE ETF IV</ns1:nameOfIssuer> <ns1:titleOfClass>US AER DEF ETF</ns1:titleOfClass> <ns1:cusip>464288760</ns1:cusip> <ns1:value>261</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>1977</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>1977</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>0</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>ISHS MSCI INTL QUALITY FACT ETF</ns1:nameOfIssuer> <ns1:titleOfClass>INTL QLTY FACTOR</ns1:titleOfClass> <ns1:cusip>46434V456</ns1:cusip> <ns1:value>7681</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>196707</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>196707</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>0</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>JPMORGAN CHASE & CO</ns1:nameOfIssuer> <ns1:titleOfClass>JPM</ns1:titleOfClass> <ns1:cusip>46625H100</ns1:cusip> <ns1:value>309</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>1532</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>1532</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>0</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>J P MORGAN EXCHANGE-TRADED FD TR ACT</ns1:nameOfIssuer> <ns1:titleOfClass>Active Growth (JGRO)</ns1:titleOfClass> <ns1:cusip>46654Q609</ns1:cusip> <ns1:value>582</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>7747</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>7747</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>0</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>J P MORGAN EXCHANGE-TRADED FD TR COR</ns1:nameOfIssuer> <ns1:titleOfClass>BOND ETF</ns1:titleOfClass> <ns1:cusip>46641Q670</ns1:cusip> <ns1:value>319</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>6898</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>6898</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>0</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>JANUS DETROIT STR TR </ns1:nameOfIssuer> <ns1:titleOfClass>HENDERSON JAAA CL</ns1:titleOfClass> <ns1:cusip>47103U845</ns1:cusip> <ns1:value>4490</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>88247</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>88247</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>0</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>JP MORGAN EXCH-TRADED FD TR SHORT DU</ns1:nameOfIssuer> <ns1:titleOfClass>SHORT DURA CORE</ns1:titleOfClass> <ns1:cusip>46641Q274</ns1:cusip> <ns1:value>342</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>7388</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>7388</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>0</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>JP MORGAN MUNICIPAL ETF</ns1:nameOfIssuer> <ns1:titleOfClass>(JMUB) Municipal ETG</ns1:titleOfClass> <ns1:cusip>46641Q647</ns1:cusip> <ns1:value>381</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>7572</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>7572</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>0</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>JP MORGAN ULTRA SHORT MUN INCOME ETF</ns1:nameOfIssuer> <ns1:titleOfClass>ULTRA SHT MUNCPL</ns1:titleOfClass> <ns1:cusip>46641Q654</ns1:cusip> <ns1:value>681</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>13427</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>13427</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>0</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>JPMORGAN ULTRA SHORT INCOME ETF</ns1:nameOfIssuer> <ns1:titleOfClass>ULTRA SHRT INC</ns1:titleOfClass> <ns1:cusip>46641Q837</ns1:cusip> <ns1:value>2450</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>48549</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>48549</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>0</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>KINDER MORGAN INC.</ns1:nameOfIssuer> <ns1:titleOfClass>KMI</ns1:titleOfClass> <ns1:cusip>49456B101</ns1:cusip> <ns1:value>203</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>10262</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>10262</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>0</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>Luminar Technologies Inc</ns1:nameOfIssuer> <ns1:titleOfClass>COM CL A</ns1:titleOfClass> <ns1:cusip>550424105</ns1:cusip> <ns1:value>14</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>10050</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>10050</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>0</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>MICROSOFT CORP</ns1:nameOfIssuer> <ns1:titleOfClass>COM</ns1:titleOfClass> <ns1:cusip>594918104</ns1:cusip> <ns1:value>2502</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>5598</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>5598</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>0</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>MEDTRONIC PLC F</ns1:nameOfIssuer> <ns1:titleOfClass>MDT</ns1:titleOfClass> <ns1:cusip>G5960L103</ns1:cusip> <ns1:value>604</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>7680</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>7680</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>0</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>Nuveen ESG Large Cap Growth ETF (NULG)</ns1:nameOfIssuer> <ns1:titleOfClass>NULG</ns1:titleOfClass> <ns1:cusip>67092P201</ns1:cusip> <ns1:value>218</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>2689</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>2689</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>0</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>NVIDIA CORPORATION</ns1:nameOfIssuer> <ns1:titleOfClass>COM</ns1:titleOfClass> <ns1:cusip>67066G104</ns1:cusip> <ns1:value>220</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>1786</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>1786</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>0</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>ORACLE Corp</ns1:nameOfIssuer> <ns1:titleOfClass>(ORCL) ORACLE CORP</ns1:titleOfClass> <ns1:cusip>68389X105</ns1:cusip> <ns1:value>363</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>2574</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>2574</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>0</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>PACER US CASH COWS 100 ETF</ns1:nameOfIssuer> <ns1:titleOfClass>GROWTH ETF</ns1:titleOfClass> <ns1:cusip>69374H881</ns1:cusip> <ns1:value>6107</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>112085</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>112085</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>0</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>PACER FDS TR</ns1:nameOfIssuer> <ns1:titleOfClass>PACER US SMALL</ns1:titleOfClass> <ns1:cusip>69374H857</ns1:cusip> <ns1:value>1330</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>30534</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>30534</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>0</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>PGIM ULTRA SHORT BOND ETF</ns1:nameOfIssuer> <ns1:titleOfClass>PGIM ULTRA SH BD</ns1:titleOfClass> <ns1:cusip>69344A107</ns1:cusip> <ns1:value>1144</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>23022</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>23022</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>0</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>PIMCO ACTIVE BOND ETF</ns1:nameOfIssuer> <ns1:titleOfClass>(BOND) Active Bond ETF</ns1:titleOfClass> <ns1:cusip>72201R775</ns1:cusip> <ns1:value>1813</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>19907</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>19907</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>0</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>PIMCO MULTI SECTOR BOND ACTV ETF</ns1:nameOfIssuer> <ns1:titleOfClass>(PYLD) MULTI SECTOR</ns1:titleOfClass> <ns1:cusip>72201R585</ns1:cusip> <ns1:value>853</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>33293</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>33293</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>0</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>Procter & Gamble Co</ns1:nameOfIssuer> <ns1:titleOfClass>Com</ns1:titleOfClass> <ns1:cusip>742718109</ns1:cusip> <ns1:value>481</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>2921</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>2921</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>0</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>QUALCOMM INC.</ns1:nameOfIssuer> <ns1:titleOfClass>COM</ns1:titleOfClass> <ns1:cusip>747525103</ns1:cusip> <ns1:value>226</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>1137</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>1137</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>0</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>SCHWAB US DIVIDEND EQUITY ETF</ns1:nameOfIssuer> <ns1:titleOfClass>US DIVIDEND EQ</ns1:titleOfClass> <ns1:cusip>808524797</ns1:cusip> <ns1:value>6702</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>86190</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>86190</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>0</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>SCHWAB US LARGE CAP GROWTH ETF </ns1:nameOfIssuer> <ns1:titleOfClass>US LCAP GR ETF</ns1:titleOfClass> <ns1:cusip>808524300</ns1:cusip> <ns1:value>15744</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>180021</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>180021</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>0</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>SCHWAB US LARGE CAP VALUE ETF</ns1:nameOfIssuer> <ns1:titleOfClass>US LCAP VA ETF</ns1:titleOfClass> <ns1:cusip>808524409</ns1:cusip> <ns1:value>10713</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>106241</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>106241</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>0</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>SOLVENTUM CORPORATION</ns1:nameOfIssuer> <ns1:titleOfClass>SOLV</ns1:titleOfClass> <ns1:cusip>83444M101</ns1:cusip> <ns1:value>393</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>7441</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>7441</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>0</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>Southern CO</ns1:nameOfIssuer> <ns1:titleOfClass>(SO) Sothern Co</ns1:titleOfClass> <ns1:cusip>842587107</ns1:cusip> <ns1:value>260</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>3354</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>3354</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>0</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>SPDR AGGREGATE BOND ETF IV</ns1:nameOfIssuer> <ns1:titleOfClass>PORTFOLIO AGRGTE</ns1:titleOfClass> <ns1:cusip>78464A649</ns1:cusip> <ns1:value>4162</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>165911</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>165911</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>0</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>SPDR BLACKSTONE SENIOR LOAN ETF IV</ns1:nameOfIssuer> <ns1:titleOfClass>BLACKSTONE SENR</ns1:titleOfClass> <ns1:cusip>78467V608</ns1:cusip> <ns1:value>3420</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>81838</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>81838</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>0</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>SPDR BLMBRG BRCLY EMG MKT LCL ETF IV</ns1:nameOfIssuer> <ns1:titleOfClass>BLOMBRG BRC EMRG</ns1:titleOfClass> <ns1:cusip>78464A391</ns1:cusip> <ns1:value>257</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>12962</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>12962</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>0</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>SPDR Bloomberg 1-10 Year TIPS</ns1:nameOfIssuer> <ns1:titleOfClass>TIPS ETF</ns1:titleOfClass> <ns1:cusip>78468R861</ns1:cusip> <ns1:value>198</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>10719</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>10719</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>0</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>SPDR DOUBLELINE TTL RTRNT RTCL ETF</ns1:nameOfIssuer> <ns1:titleOfClass>(TOTL) Total Return Tactical</ns1:titleOfClass> <ns1:cusip>78467V848</ns1:cusip> <ns1:value>1760</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>44322</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>44322</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>0</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>SPDR DOW JONE GLOBAL REAL EST ETF IV</ns1:nameOfIssuer> <ns1:titleOfClass>DJ GLB RL ES ETF</ns1:titleOfClass> <ns1:cusip>78463X749</ns1:cusip> <ns1:value>345</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>8309</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>8309</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>0</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>SPDR GOLD SHARES ETF</ns1:nameOfIssuer> <ns1:titleOfClass>GOLD SHS</ns1:titleOfClass> <ns1:cusip>78463V107</ns1:cusip> <ns1:value>1962</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>9126</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>9126</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>0</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>SPDR INDEX SHARES EMERG MARKT ETF IV</ns1:nameOfIssuer> <ns1:titleOfClass>PORTFOLIO EMG MK (SPEM)</ns1:titleOfClass> <ns1:cusip>78463X509</ns1:cusip> <ns1:value>12687</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>33668</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>33668</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>0</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>SPDR LONG TERM TREASURY ETF IV</ns1:nameOfIssuer> <ns1:titleOfClass>PORTFOLIO LN TSR</ns1:titleOfClass> <ns1:cusip>78464A664</ns1:cusip> <ns1:value>456</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>16759</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>16759</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>0</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>SPDR PORTFOLIO DVLPD WRLD EX-US ETF</ns1:nameOfIssuer> <ns1:titleOfClass>PORTFOLIO DEVLPD</ns1:titleOfClass> <ns1:cusip>78463X889</ns1:cusip> <ns1:value>2290</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>65300</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>65300</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>0</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>SPDR PORTFOLIO HIGH YIELD BOND ETF</ns1:nameOfIssuer> <ns1:titleOfClass>SPHY</ns1:titleOfClass> <ns1:cusip>78468R606</ns1:cusip> <ns1:value>202</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>8736</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>8736</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>0</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>SPDR PORTFOLIO S&P 400 MID CP ETF IV</ns1:nameOfIssuer> <ns1:titleOfClass>PORTFOLIO S&P400</ns1:titleOfClass> <ns1:cusip>78464A847</ns1:cusip> <ns1:value>527</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>10279</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>10279</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>0</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>SPDR PORTFOLIO S&P 500 ETF IV</ns1:nameOfIssuer> <ns1:titleOfClass>PORTFOLIO S&P500</ns1:titleOfClass> <ns1:cusip>78464A854</ns1:cusip> <ns1:value>5103</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>79734</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>79734</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>0</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>SPDR PORTFOLIO S&P 600 SML CP ETF IV</ns1:nameOfIssuer> <ns1:titleOfClass>PORTFOLIO S&P600</ns1:titleOfClass> <ns1:cusip>78468R853</ns1:cusip> <ns1:value>512</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>12344</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>12344</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>0</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>SPDR S& P EMERGING MARKETS DIVIDEND ETF</ns1:nameOfIssuer> <ns1:titleOfClass>EDIV- S&P EMERGING MARKETS </ns1:titleOfClass> <ns1:cusip>78463X533</ns1:cusip> <ns1:value>1849</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>52381</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>52381</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>0</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>SPDR S&P 500 ETF</ns1:nameOfIssuer> <ns1:titleOfClass>TR UNIT</ns1:titleOfClass> <ns1:cusip>78462F103</ns1:cusip> <ns1:value>3931</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>7223</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>7223</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>0</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>SPDR S&P 500 GROWTH ETF</ns1:nameOfIssuer> <ns1:titleOfClass>Growth ETF(SPYG)</ns1:titleOfClass> <ns1:cusip>78464A409</ns1:cusip> <ns1:value>4976</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>62105</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>62105</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>0</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>SPDR S&P INTERNATIONAL SMALL ETF IV</ns1:nameOfIssuer> <ns1:titleOfClass>S&P INTL SMLCP</ns1:titleOfClass> <ns1:cusip>78463X871</ns1:cusip> <ns1:value>391</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>12326</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>12326</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>0</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>SPDR SSGA U S SECTOR ROTATION ETF</ns1:nameOfIssuer> <ns1:titleOfClass>SPDR SSGA US SCT</ns1:titleOfClass> <ns1:cusip>78470P408</ns1:cusip> <ns1:value>319</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>6230</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>6230</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>0</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>TECHNOLOGY SELECT SECTOR SPDR ETF IV</ns1:nameOfIssuer> <ns1:titleOfClass>TECHNOLOGY</ns1:titleOfClass> <ns1:cusip>81369Y803</ns1:cusip> <ns1:value>2372</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>10485</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>10485</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>0</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>TEXAS MINERAL RESOURCES</ns1:nameOfIssuer> <ns1:titleOfClass>TMRC</ns1:titleOfClass> <ns1:cusip>88256L109</ns1:cusip> <ns1:value>9</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>40333</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>40333</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>0</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>VANECK HIGH YIELD MUNI ETF</ns1:nameOfIssuer> <ns1:titleOfClass>HIGH YLD MUNI ETF</ns1:titleOfClass> <ns1:cusip>92189H409</ns1:cusip> <ns1:value>333</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>6458</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>6458</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>0</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>VANECK MORNINGSTAR WIDE MOAT ETF</ns1:nameOfIssuer> <ns1:titleOfClass>MOAT</ns1:titleOfClass> <ns1:cusip>92189F643</ns1:cusip> <ns1:value>4691</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>54167</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>54167</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>0</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>VANGUARD EXTENDED MARKET ETF IV</ns1:nameOfIssuer> <ns1:titleOfClass>EXTEND MKT ETF</ns1:titleOfClass> <ns1:cusip>922908652</ns1:cusip> <ns1:value>200</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>1189</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>1189</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>0</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>VANGUARD FTSE DEVELOPED MARKETS ETF</ns1:nameOfIssuer> <ns1:titleOfClass>VAN FTSE DEV MKT</ns1:titleOfClass> <ns1:cusip>921943858</ns1:cusip> <ns1:value>207</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>4205</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>4205</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>0</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>VANGUARD HIGH DIVIDEND YIELD ETF (VYM)</ns1:nameOfIssuer> <ns1:titleOfClass>VYM</ns1:titleOfClass> <ns1:cusip>921946406</ns1:cusip> <ns1:value>210</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>1773</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>1773</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>0</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>VANGUARD INDUSTRIALS ETF IV</ns1:nameOfIssuer> <ns1:titleOfClass>INDUSTRIAL ETF</ns1:titleOfClass> <ns1:cusip>92204A603</ns1:cusip> <ns1:value>930</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>3957</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>3957</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>0</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>VANGUARD MEGA CAP ETF IV</ns1:nameOfIssuer> <ns1:titleOfClass>MEGA CAP INDEX</ns1:titleOfClass> <ns1:cusip>921910873</ns1:cusip> <ns1:value>3849</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>19513</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>19513</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>0</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>VANGUARD MEGA CAP GROWTH ETF IV</ns1:nameOfIssuer> <ns1:titleOfClass>MEGA GRWTH IND</ns1:titleOfClass> <ns1:cusip>921910816</ns1:cusip> <ns1:value>1964</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>6253</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>6253</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>0</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>VANGUARD S&P 500 ETF</ns1:nameOfIssuer> <ns1:titleOfClass>(VOO) S&P 500 ETF</ns1:titleOfClass> <ns1:cusip>922908363</ns1:cusip> <ns1:value>550</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>1100</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>1100</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>0</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>VANGUARD SMALL CAP ETF IV</ns1:nameOfIssuer> <ns1:titleOfClass>SMALL CP ETF</ns1:titleOfClass> <ns1:cusip>922908751</ns1:cusip> <ns1:value>1363</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>6252</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>6252</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>0</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>VANGUARD SMALL CAP GROWTH ETF IV</ns1:nameOfIssuer> <ns1:titleOfClass>SML CP GRW ETF</ns1:titleOfClass> <ns1:cusip>922908595</ns1:cusip> <ns1:value>1169</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>4673</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>4673</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>0</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>VANGUARD TOTAL BOND MARKET ETF</ns1:nameOfIssuer> <ns1:titleOfClass>TOTAL BND MRKT</ns1:titleOfClass> <ns1:cusip>921937835</ns1:cusip> <ns1:value>532</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>7386</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>7386</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>0</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>VISA INC CLASS A</ns1:nameOfIssuer> <ns1:titleOfClass>(V) VISA INC CLASS A</ns1:titleOfClass> <ns1:cusip>92826C839</ns1:cusip> <ns1:value>237</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>903</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>903</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>0</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>Walmart Inc</ns1:nameOfIssuer> <ns1:titleOfClass>COM</ns1:titleOfClass> <ns1:cusip>931142103</ns1:cusip> <ns1:value>577</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>8524</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>8524</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>0</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>XTRCKRS MSCI EMRG MRKT HDGD EQY ETF</ns1:nameOfIssuer> <ns1:titleOfClass>XTRACK MSCI EMRG</ns1:titleOfClass> <ns1:cusip>233051101</ns1:cusip> <ns1:value>232</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>13031</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>13031</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>0</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>XTRCKRS SHORT DURATION HIGH YIELD BOND ETF</ns1:nameOfIssuer> <ns1:titleOfClass>XTRACKERS SHRT</ns1:titleOfClass> <ns1:cusip>233051283</ns1:cusip> <ns1:value>401</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>9107</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>9107</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>0</ns1:None> </ns1:votingAuthority> </ns1:infoTable> </ns1:informationTable> </XML> </TEXT> </DOCUMENT> </SEC-DOCUMENT>