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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hours per response: 23.8
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
AFRICAN AGRICULTURE HOLDINGS ORD COM 00792J100   12,500 10,000 SH   SOLE   0 0 0
Apple Computer Inc COM 037833100   16,325,930 84,797 SH   SOLE   0 0 0
Abbvie Inc COM 00287Y109   790,812 5,103 SH   SOLE   0 0 0
Virtus Diversified Income & Convertible Fund COM 92840N100   253,858 12,100 SH   SOLE   0 0 0
ProShares Ultra Silver ULTRA SILVER NEW 74347W353   461,890 17,000 SH   SOLE   0 0 0
Amazon Com Inc COM 023135106   577,068 3,798 SH   SOLE   0 0 0
AMERICAN CENTURY INVESTMENTS I NTL EQT ETF INTL EQT ETF 025072703   27,419,569 453,741 SH   SOLE   0 0 0
AMERICAN CENTURY INVESTMENTS A VANTIS EMGMKT ETF AVENTIS EMGMKT 025072604   1,306,331 23,166 SH   SOLE   0 0 0
AMERICAN CENTURY INVESTMENTS U S EQT ETF US EQT ETF 025072885   91,891,602 1,126,813 SH   SOLE   0 0 0
AVANTIS US SMALL CAP VALUE ETF US SML CP VALU 025072877   21,832,513 243,124 SH   SOLE   0 0 0
Berkshire Hathaway Inc A CL A 084670108   542,625 1 SH   SOLE   0 0 0
Berkshire Hathaway Inc B CL B NEW 084670702   1,316,789 3,692 SH   SOLE   0 0 0
INVESCO EXCHANGE TRADED SELF I BULSHS 2024 CB ETF BULSHS 2024 CB 46138J841   4,523,754 216,603 SH   SOLE   0 0 0
INVESCO EXCHANGE TRADED SELF I BULSHS 2025 CB ETF BULSHS 2025 CB 46138J825   1,534,657 75,026 SH   SOLE   0 0 0
INVESCO EXCHANGE TRADED SELF I BULSHS 2026 CB ETF BULSHS 2026 CB 46138J791   989,260 51,257 SH   SOLE   0 0 0
INVESCO EXCHANGE TRADED SELF I BULSHS 2027 CB ETF BULSHS 2027 CB 46138J783   303,809 15,616 SH   SOLE   0 0 0
Calamos Dynamic Convertible and Income COM 12811V105   255,221 12,903 SH   SOLE   0 0 0
Costco Whsl Corp New COM 22160K105   235,649 357 SH   SOLE   0 0 0
PACER FDS TR US CASH COWS 100 ETF US CASH COWS 100 69374H881   37,489,717 721,095 SH   SOLE   0 0 0
Chevron Corporation COM 166764100   517,436 3,469 SH   SOLE   0 0 0
Spdr Barclays Cnv BBG CONV SEC ETF 78464A359   395,238 5,478 SH   SOLE   0 0 0
CohBar Inc COM NEW 19249J307   4,029,080 5,444,703 SH   SOLE   0 0 0
Dominion Res Inc Va New COM 25746U109   363,053 7,725 SH   SOLE   0 0 0
Dutsch X Trck Rusl 1000 XTRACKERS RUSSEL 233051481   8,599,210 180,598 SH   SOLE   0 0 0
Dimensional Emerging Core Equity Mkt ETF EMGR CRE EQT MNG 25434V302   21,824,767 905,216 SH   SOLE   0 0 0
Dimensional International Cr Eq Mkt ETF INTL CORE EQT MK 25434V203   44,858,850 1,566,301 SH   SOLE   0 0 0
DIMENSIONAL US CORE EQUITY MARKT ETF US CORE EQT MKT 25434V104   40,722,222 1,224,728 SH   SOLE   0 0 0
DIMENSIONAL WLD EX US CR EQ 2 ETF WORLD EX US CORE 25434V880   518,635 21,238 SH   SOLE   0 0 0
Ishares Core Dividend CORE DIV GRWTH 46434V621   565,164 10,501 SH   SOLE   0 0 0
Wisdomtree US Divid Etf US QTLY DIV GRT 97717X669   53,403,211 759,864 SH   SOLE   0 0 0
Disney Walt Co COM 254687106   623,520 6,906 SH   SOLE   0 0 0
Wisdomtree Midcap Divdnd US MIDCAP DIVID 97717W505   258,286 5,653 SH   SOLE   0 0 0
Ishares Msci Emrg Mkt Fd MSCI EMG MKT ETF 464287234   250,227 6,223 SH   SOLE   0 0 0
Ishares Tr Msci Eafe Fd MSCI EAFE ETF 464287465   18,000,211 238,888 SH   SOLE   0 0 0
iShares MSCI Israel ETF MSCI ISRAEL ETF 464286632   811,774 13,950 SH   SOLE   0 0 0
Flexsh Stoxx US Esg STOX US ESG SLCT 33939L696   1,971,299 16,990 SH   SOLE   0 0 0
Ishares Esg Msci Eafe ESG AW MSCI EAFE 46435G516   11,275,251 149,262 SH   SOLE   0 0 0
Wisdomtree TRUST Midcap US MIDCAP FUND 97717W570   1,168,116 20,354 SH   SOLE   0 0 0
FIRST TRUST EXCHANGE-TRADED AL EM SML CP ALPH ETF EM SML CP ALPH 33737J307   1,598,220 41,577 SH   SOLE   0 0 0
First TRUST Preferred PFD SECS INC ETF 33739E108   321,554 19,072 SH   SOLE   0 0 0
First TRUST Intermediate COM 33718W103   207,137 12,700 SH   SOLE   0 0 0
FIRST TRUST PORTFOLIOS COM ETF COM 33734G108   235,242 8,965 SH   SOLE   0 0 0
FIRST TRUST SENIOR LN FD ETF SENIOR LN FD 33738D309   1,311,981 28,478 SH   SOLE   0 0 0
First TRUST Value SHS 33734H106   7,014,839 172,950 SH   SOLE   0 0 0
FIRST TRUST EXCH TRADED FUND 2 TECH ALPHADEX ETF TECH ALPHADEX 33734X176   22,491,059 175,615 SH   SOLE   0 0 0
Google Inc Class A CL A COM 02079K305   391,691 2,804 SH   SOLE   0 0 0
FLEXSHARES TRUST HIG YLD VL ET F HIG YLD VL ETF 33939L662   883,936 21,628 SH   SOLE   0 0 0
Western Asset High Yld Def Opp COM 95768B107   235,755 19,500 SH   SOLE   0 0 0
First TRUST Tactcl High FIRST TR TA HIYL 33738D408   462,009 11,114 SH   SOLE   0 0 0
ISHARES TRUST IBONDS DEC24 ETF IBONDS DEC24 ETF 46434VBG4   14,822,898 595,058 SH   SOLE   0 0 0
ISHARES TRUST IBONDS DEC25 ETF IBONDS DEC25 ETF 46434VBD1   18,643,562 752,971 SH   SOLE   0 0 0
ISHARES TRUST IBONDS DEC2026 E TF IBONDS DEC2026 46435GAA0   17,944,306 750,808 SH   SOLE   0 0 0
iShares iBonds Dec 2027 Term Corp ETF IBONDS 27 ETF 46435UAA9   17,476,472 730,316 SH   SOLE   0 0 0
ISHARES TRUST IBDS DEC28 ETF IBDS DEC28 ETF 46435U515   15,931,010 634,955 SH   SOLE   0 0 0
ISHARES TRUST IBONDS DEC 29 ET F IBONDS DEC 29 46436E205   394,728 17,110 SH   SOLE   0 0 0
iShares iBonds Dec 2024 Term Muni Bond IBONDS DEC 46435U697   301,721 11,636 SH   SOLE   0 0 0
ISHARES TRUST ULTR SH TRM BD E TF BLACKROCK ULTRA 46434V878   6,262,014 124,345 SH   SOLE   0 0 0
Ishares Core Msci Eafe CORE MSCI EAFE 46432F842   530,158 7,536 SH   SOLE   0 0 0
Ishares Tr S&P Midcap CORE S&P MCP ETF 464287507   321,771 1,161 SH   SOLE   0 0 0
Ishares Tr S&P Smallcap CORE S&P SCP ETF 464287804   3,431,904 31,704 SH   SOLE   0 0 0
Intuit Inc COM 461202103   3,485,167 5,576 SH   SOLE   0 0 0
FlexShares Intl Qual Div ETF INTL QLTDV IDX 33939L837   1,157,106 49,706 SH   SOLE   0 0 0
ISHARES TRUST INTL QLTY FACTOR ETF MSCI INTL QUALTY 46434V456   37,429,686 996,531 SH   SOLE   0 0 0
Vaneck Vectors Israel ETF ISRAEL ETF 92189F635   593,011 16,954 SH   SOLE   0 0 0
BlueStar Israel Technology ETF BLUESTAR ISRAEL 26924G870   356,269 7,730 SH   SOLE   0 0 0
Invesco RAFI Strategic US ETF RAFI STRATGIC US 46138J742   1,366,994 31,570 SH   SOLE   0 0 0
Ishares TRUST S&P CORE S&P500 ETF 464287200   385,925 808 SH   SOLE   0 0 0
Ishares S&P 500 Growth S&P 500 GRWT ETF 464287309   264,728 3,525 SH   SOLE   0 0 0
Ishares Russell 1000 Val RUS 1000 VAL ETF 464287598   1,360,834 8,235 SH   SOLE   0 0 0
Ishares Tr Russell RUS 1000 GRW ETF 464287614   1,614,077 5,324 SH   SOLE   0 0 0
Ishares Russell Midcap RUS MD CP GR ETF 464287481   219,915 2,105 SH   SOLE   0 0 0
Ishares Russell 3000 RUSSELL 3000 ETF 464287689   426,487 1,558 SH   SOLE   0 0 0
Nuveen Floating Rate Income COM 67072T108   238,684 29,037 SH   SOLE   0 0 0
NUVEEN GLOBAL HIGH INCM FD SHS SHS 67075G103   389,180 31,900 SH   SOLE   0 0 0
Johnson & Johnson COM 478160104   232,717 1,485 SH   SOLE   0 0 0
Nuveen Preferred Income COM 67073B106   395,460 58,500 SH   SOLE   0 0 0
Jpmrg Dvsfd Retn Emrg DIV RTN EM EQT 46641Q308   201,369 3,851 SH   SOLE   0 0 0
Jpmorgan Dvrsfd Rtrn DIV RTN INT EQ 46641Q209   964,071 17,748 SH   SOLE   0 0 0
JP MORGAN ETF TRUST DIVERSFED RTRN ETF DIVERSFED RTRN 46641Q886   8,412,855 91,565 SH   SOLE   0 0 0
JP MORGAN ETF TRUST ULTRA SHRT INC ETF ULTRA SHRT INC 46641Q837   818,297 16,291 SH   SOLE   0 0 0
JP MORGAN ETF TRUST US QUALTY FCTR ETF US QUALTY FCTR 46641Q761   34,824,435 727,631 SH   SOLE   0 0 0
Kezar Life Sciences Inc COM 49372L100   22,515 23,765 SH   SOLE   0 0 0
ISHARES TRUST MULTIFACTOR USA ETF U S EQUITY FACTR 46434V282   2,462,355 50,991 SH   SOLE   0 0 0
Mc Donalds Corp COM 580135101   229,795 775 SH   SOLE   0 0 0
Mid Cap SPDR UTSER1 S&PDCRP 78467Y107   4,192,481 8,263 SH   SOLE   0 0 0
Meta Platforms, Inc. CL A 30303M102   328,829 929 SH   SOLE   0 0 0
Mannkind Corp COM NEW 56400P706   167,990 46,151 SH   SOLE   0 0 0
Microsoft Corp COM 594918104   2,214,219 5,888 SH   SOLE   0 0 0
Nuveen Esg Emerging NUVEEN ESG EMRGN 67092P888   300,412 11,147 SH   SOLE   0 0 0
NUVEEN ESG NUVEEN ESG LRG CAP GRWTH ETF NUVEEN ESG LRGCP 67092P201   11,509,080 165,670 SH   SOLE   0 0 0
NUVEEN ESG NUVEEN ESG LRG CAP VAL ETF NUVEEN ESG LRGVL 67092P300   250,760 6,983 SH   SOLE   0 0 0
Nuveen Esg Mid Cap NUVEEN ESG MIDCP 67092P409   326,788 7,720 SH   SOLE   0 0 0
Nuveen Esg Mid Cap Value NUVEEN ESG MIDVL 67092P508   600,869 19,051 SH   SOLE   0 0 0
Nuveen Esg Small Cap NUVEEN ESG SMLCP 67092P607   912,829 23,346 SH   SOLE   0 0 0
Nvidia Corp COM 67066G104   2,277,517 4,599 SH   SOLE   0 0 0
Pepsico Incorporated COM 713448108   219,263 1,291 SH   SOLE   0 0 0
GLOBAL X FDS US PFD ETF US PFD ETF 37954Y657   748,568 38,586 SH   SOLE   0 0 0
Powershs Exch Trad Fd Tr PFD ETF 46138E511   387,044 33,744 SH   SOLE   0 0 0
Powershs Exch Trad Fd Tr BUYBACK ACHIEV 46137V308   209,427 2,115 SH   SOLE   0 0 0
FLEXSHARES TRUST QLT DIV DEF I DX ETF QLT DIV DEF IDX 33939L845   7,690,321 130,212 SH   SOLE   0 0 0
WISDOMTREE US QUALITY GROWTH ETF US QUALITY GROW 97717Y477   21,329,740 583,100 SH   SOLE   0 0 0
Powershs Qqq TRUST Ser UNIT SER 1 46090E103   7,829,614 19,119 SH   SOLE   0 0 0
First Tr Nasdaq 100 Fund SHS 337345102   19,161,709 109,202 SH   SOLE   0 0 0
Ishares Etf MSCI USA QLT FCT 46432F339   21,679,411 147,339 SH   SOLE   0 0 0
First Trst Nasdaq Rsng RISNG DIVD ACHIV 33738R506   31,781,800 615,092 SH   SOLE   0 0 0
Ishares Ftse Nareit Res RESIDENTIAL MULT 464288562   424,357 5,772 SH   SOLE   0 0 0
Rydex Etf TRUST S&P500 EQL WGT 46137V357   7,138,973 45,241 SH   SOLE   0 0 0
INVESCO EXCHANGE TRADED FUND T S&P MDCP 400 REV ET S&P MDCP 400 REV 46138G672   18,176,912 173,064 SH   SOLE   0 0 0
INVESCO EXCHANGE TRADED FUND T S&P 500 REVENUE ETF S&P 500 REVENUE 46138G698   5,803,461 68,004 SH   SOLE   0 0 0
Schw US Brd Mkt Etf US BRD MKT ETF 808524102   2,393,031 42,986 SH   SOLE   0 0 0
SCHWAB US DIVIDEND EQ ETF US DIVIDEND EQ 808524797   15,467,208 203,168 SH   SOLE   0 0 0
SPDR PORTFOLIO EMG MK ETF PORTFOLIO EMG MK 78463X509   809,827 22,870 SH   SOLE   0 0 0
Pwrshr S&P500 Hidiv S&P500 HDL VOL 46138E362   1,070,853 25,250 SH   SOLE   0 0 0
INVESCO EXCHANGE TRADED FD TR S&P500 QUALITY ETF S&P500 QUALITY 46137V241   2,269,906 41,973 SH   SOLE   0 0 0
SPDR SERIES TRUST PORTFOLIO SM ETF PORTFOLIO S&P600 78468R853   14,131,263 335,023 SH   SOLE   0 0 0
SPDR SERIES TRUST PORTFOLIO TL STK ETF PORTFOLI S&P1500 78464A805   19,786,862 338,526 SH   SOLE   0 0 0
S P D R TRUST Unit SR TR UNIT 78462F103   273,303 575 SH   SOLE   0 0 0
Spdr Blackstone Gso BLACKSTONE SENR 78467V608   264,453 6,307 SH   SOLE   0 0 0
Stryker Corp COM 863667101   1,078,056 3,600 SH   SOLE   0 0 0
A T & T Inc New COM 00206R102   770,336 45,908 SH   SOLE   0 0 0
Flexshares Morningstar MORNSTAR USMKT 33939L100   16,122,094 88,352 SH   SOLE   0 0 0
Ishares Tr Lehman Tips TIPS BD ETF 464287176   742,218 6,905 SH   SOLE   0 0 0
Tesla Motors Inc COM 88160R101   1,979,889 7,968 SH   SOLE   0 0 0
iShares Broad USD High Yield Corp Bd ETF BROAD USD HIGH 46435U853   1,145,207 31,505 SH   SOLE   0 0 0
ISHARES TRUST CRE U S REIT ETF CRE U S REIT ETF 464288521   1,125,486 20,731 SH   SOLE   0 0 0
Vanguard Small Cap SMALL CP ETF 922908751   202,183 948 SH   SOLE   0 0 0
Vanguard Europe Pac Etf VAN FTSE DEV MKT 921943858   552,479 11,534 SH   SOLE   0 0 0
Vanguard Intl Eqty Index ALLWRLD EX US 922042775   647,014 11,525 SH   SOLE   0 0 0
Vanguard Info Technology INF TECH ETF 92204A702   393,492 813 SH   SOLE   0 0 0
Vanguard Health Care HEALTH CAR ETF 92204A504   239,920 957 SH   SOLE   0 0 0
Vanguard Div Apprciation DIV APP ETF 921908844   2,139,340 12,555 SH   SOLE   0 0 0
Vanguard Reit REAL ESTATE ETF 922908553   232,387 2,630 SH   SOLE   0 0 0
Vanguard S&P 500 Etf S&P 500 ETF SHS 922908363   268,211 614 SH   SOLE   0 0 0
Invesco Variable Rate Preferred ETF VAR RATE PFD 46138G870   686,468 29,743 SH   SOLE   0 0 0
Vanguard Total Stock Mkt TOTAL STK MKT 922908769   4,740,690 19,984 SH   SOLE   0 0 0
Vanguard Value VALUE ETF 922908744   316,492 2,117 SH   SOLE   0 0 0
Vanguard Growth GROWTH ETF 922908736   1,156,474 3,720 SH   SOLE   0 0 0
WISDOMTREE TRUST WISDOMTREE US VALUE FUND ETF WISDOMTREE US VA 97717W547   1,870,663 27,297 SH   SOLE   0 0 0
iShares ESG Screened S&P Mid-Cap ETF ESG SCRD S&P MID 46436E551   2,448,806 64,912 SH   SOLE   0 0 0
Sector Spdr Tech Select TECHNOLOGY 81369Y803   283,138 1,471 SH   SOLE   0 0 0
Real Estate Select Sctr RL EST SEL SEC 81369Y860   1,151,164 28,736 SH   SOLE   0 0 0
Exxon Mobil Corporation COM 30231G102   559,788 5,599 SH   SOLE   0 0 0