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
Estimated average burden
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
ADT INC DEL COM 00090Q103   17 2,199 SH   SOLE   2,199 0 0
ABM INDS INC COM 000957100   13 261 SH   SOLE   261 0 0
AFLAC INC COM 001055102   1,909 21,379 SH   SOLE   21,379 0 0
API GROUP CORP COM STK 00187Y100   13 336 SH   SOLE   336 0 0
ABBOTT LABS COM 002824100   17 160 SH   SOLE   160 0 0
ABBVIE INC COM 00287Y109   2,284 13,317 SH   SOLE   13,317 0 0
ABERCROMBIE & FITCH CO CL A 002896207   35 196 SH   SOLE   196 0 0
AIR PRODS & CHEMS INC COM 009158106   14 53 SH   SOLE   53 0 0
ALBEMARLE CORP COM 012653101   13 131 SH   SOLE   131 0 0
BREAD FINANCIAL HOLDINGS INC COM 018581108   21 481 SH   SOLE   481 0 0
ALLSTATE CORP COM 020002101   2,170 13,590 SH   SOLE   13,590 0 0
ALPHA METALLURGICAL RESOUR I COM 020764106   8 28 SH   SOLE   28 0 0
AMERICAN FINL GROUP INC OHIO COM 025932104   16 129 SH   SOLE   129 0 0
AMKOR TECHNOLOGY INC COM 031652100   23 575 SH   SOLE   575 0 0
APPLE INC COM 037833100   2,537 12,046 SH   SOLE   12,046 0 0
APPLOVING CORP COM CL A 03831W108   18 219 SH   SOLE   219 0 0
ARCHER DANIELS MIDLAND CO COM 039483102   16 264 SH   SOLE   264 0 0
ARROW ELECTRS INC COM 042735100   12 103 SH   SOLE   103 0 0
AVNET INC COM 053807103   16 314 SH   SOLE   314 0 0
AZEK CO INC CL A 05478C105   9 225 SH   SOLE   225 0 0
BLACKROCK INC COM 09247X101   1,240 1,575 SH   SOLE   1,575 0 0
BOISE CASCADE CO DEL COM 09739D100   14 121 SH   SOLE   121 0 0
BONDBLOXX ETF TRUST BLOOMBERG SIX MN 09789C788   448 8,914 SH   SOLE   8,914 0 0
BONDBLOXX ETF TRUST BLOOMBERG ONE YR 09789C861   16 319 SH   SOLE   319 0 0
BROADCOM INC COM 11135F101   2,996 1,866 SH   SOLE   1,866 0 0
BUILDERS FIRSTSOURCE INC COM 12008R107   18 127 SH   SOLE   127 0 0
CBOE GLOBAL MKTS INC COM 12503M108   17 100 SH   SOLE   100 0 0
CME GROUP INC COM 12572Q105   1,575 8,013 SH   SOLE   8,013 0 0
CVR ENERGY INC COM 12662P108   10 389 SH   SOLE   389 0 0
CASEYS GEN STORES INC COM 147528103   18 46 SH   SOLE   46 0 0
CELSIUS HLDGS INC COM NEW 15118V207   9 165 SH   SOLE   165 0 0
CHEVRON CORP NEW COM 166764100   1,331 8,509 SH   SOLE   8,509 0 0
CISCO SYS INC COM 17275R102   1,046 22,024 SH   SOLE   22,024 0 0
COMFORT SYS USA INC COM 199908104   17 55 SH   SOLE   55 0 0
COMMERCIAL METALS CO COM 201723103   16 295 SH   SOLE   295 0 0
CORE & MAIN INC CL A 21874C102   9 191 SH   SOLE   191 0 0
COSTCO WHSL CORP NEW COM 22160K105   2,660 3,130 SH   SOLE   3,130 0 0
CULLEN FROST BANKERS INC COM 229899109   15 150 SH   SOLE   150 0 0
DECKERS OUTDOOR CORP COM 243537107   19 20 SH   SOLE   20 0 0
DELEK US HLDGS INC NEW COM 24665A103   13 531 SH   SOLE   531 0 0
E L F BEAUTY INC COM 26856L103   27 130 SH   SOLE   130 0 0
EPR PPTYS COM SH BEN INT 26884U109   17 413 SH   SOLE   413 0 0
EMCOR GROUP INC COM 29084Q100   26 72 SH   SOLE   72 0 0
ENOVA INTL INC COM 29357K103   16 255 SH   SOLE   255 0 0
ESAB CORPORATION COM 29605J106   11 116 SH   SOLE   116 0 0
EXTRA SPACE STORAGE INC COM 30225T102   1,047 6,739 SH   SOLE   6,739 0 0
EXXON MOBIL CORP COM 30231G102   2,248 19,528 SH   SOLE   19,528 0 0
FEDERAL SIGNAL CORP COM 313855108   13 158 SH   SOLE   158 0 0
G III APPAREL GROUP LTD COM 36237H101   7 274 SH   SOLE   274 0 0
GAP INC COM 364760108   12 492 SH   SOLE   492 0 0
GENUINE PARTS CO COM 372460105   18 132 SH   SOLE   132 0 0
GRACO INC COM 384109104   16 206 SH   SOLE   206 0 0
GRIFFON CORP COM 398433102   10 155 SH   SOLE   155 0 0
GULFPORT ENERGY CORP COMMON SHARES 402635502   12 79 SH   SOLE   79 0 0
HF SINCLAIR CORP COM 403949100   14 259 SH   SOLE   259 0 0
HANOVER INS GROUP INC COM 410867105   16 124 SH   SOLE   124 0 0
HARBOR ETF TRUST HARBOR COMMODITY 41151J505   61 2,728 SH   SOLE   2,728 0 0
HARTFORD FDS EXCHANGE TRADED HARTFORD QUALITY 41653L859   14,567 595,623 SH   SOLE   595,623 0 0
HOME DEPOT INC COM 437076102   1,954 5,677 SH   SOLE   5,677 0 0
HOST HOTELS & RESORTS INC COM 44107P104   17 940 SH   SOLE   940 0 0
HUB GROUP INC CL A 443320106   17 404 SH   SOLE   404 0 0
INFORMATICA INC COM CL A 45674M101   10 325 SH   SOLE   325 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101   12 70 SH   SOLE   70 0 0
ISHARES TR TIPS BD ETF 464287176   137 1,287 SH   SOLE   1,287 0 0
ISHARES TR S&P 500 INDEX 464287200   404 738 SH   SOLE   738 0 0
ISHARES TR CORE US AGGBD ET 464287226   20,175 207,840 SH   SOLE   207,840 0 0
ISHARES TR IBOXX INV CPBD 464287242   24 223 SH   SOLE   223 0 0
ISHARES TR 7-10 YR TRSY BD 464287440   298 3,182 SH   SOLE   3,182 0 0
ISHARES TR BARCLYS 1-3 YR 464287457   0 1 SH   SOLE   1 0 0
ISHARES TR ISHARES SEMICDTR 464287523   1,828 7,412 SH   SOLE   7,412 0 0
ISHARES TR MRNGSTR LG-CP VL 464288109   62,241 815,499 SH   SOLE   815,499 0 0
ISHARES TR GL TIMB FORE ETF 464288174   101 1,285 SH   SOLE   1,285 0 0
ISHARES TR MRGSTR MD CP ETF 464288208   10,856 154,883 SH   SOLE   154,883 0 0
ISHARES TR MRGSTR MD CP GRW 464288307   11,098 163,812 SH   SOLE   163,812 0 0
ISHARES TR MRGSTR MD CP VAL 464288406   15,580 221,814 SH   SOLE   221,814 0 0
ISHARES TR MRGSTR SM CP GR 464288604   6,563 144,315 SH   SOLE   144,315 0 0
ISHARES TR MRNING SM CP ETF 464288703   11,030 190,476 SH   SOLE   190,476 0 0
ISHARES TR MSCI INDIA ETF 46429B598   252 4,520 SH   SOLE   4,520 0 0
ISHARES TR MSCI INDIA SM CP 46429B614   17 207 SH   SOLE   207 0 0
ISHARES TR 0-5 YR TIPS ETF 46429B747   123 1,238 SH   SOLE   1,238 0 0
ISHARES TR MSCI CHINA A 46434V514   2,076 81,977 SH   SOLE   81,977 0 0
ISHARES TR BLACKROCK ULTRA 46434V878   1,625 32,161 SH   SOLE   32,161 0 0
JPMORGAN CHASE & CO COM 46625H100   2,054 10,157 SH   SOLE   10,157 0 0
JABIL INC COM 466313103   17 158 SH   SOLE   158 0 0
JACKSON FINANCIAL INC COM CL A 46817M107   11 153 SH   SOLE   153 0 0
JOHNSON & JOHNSON COM 478160104   1,661 11,367 SH   SOLE   11,367 0 0
LEAR CORP COM NEW 521865204   10 90 SH   SOLE   90 0 0
LINCOLN ELEC HLDGS INC COM 533900106   12 66 SH   SOLE   66 0 0
LOCKHEED MARTIN CORP COM 539830109   1,750 3,747 SH   SOLE   3,747 0 0
MSC INDL DIRECT INC CL A 553530106   17 209 SH   SOLE   209 0 0
MARSH & MCLENNAN COS INC COM 571748102   1,581 7,503 SH   SOLE   7,503 0 0
MASTERBRAND INC COMMON STOCK 57638P104   9 634 SH   SOLE   634 0 0
MATSON INC COM 57686G105   23 174 SH   SOLE   174 0 0
MEDPACE HLDGS INC COM 58506Q109   12 28 SH   SOLE   28 0 0
MERCK & CO INC COM 58933Y105   1,842 14,879 SH   SOLE   14,879 0 0
MICROSOFT CORP COM 594918104   2,492 5,576 SH   SOLE   5,576 0 0
NATIONAL STORAGE AFFILIATES COM SHS BEN IN 637870106   19 455 SH   SOLE   455 0 0
NEXTERA ENERGY INC COM 65339F101   1,482 20,928 SH   SOLE   20,928 0 0
NIKE INC CL B 654106103   12 154 SH   SOLE   154 0 0
NORTHROP GRUMMAN CORP COM 666807102   1,134 2,602 SH   SOLE   2,602 0 0
DNOW INC COM 67011P100   18 1,298 SH   SOLE   1,298 0 0
NUCOR CORP COM 670346105   15 94 SH   SOLE   94 0 0
ONEMAIN HLDGS INC COM 68268W103   15 314 SH   SOLE   314 0 0
ONTO INNOVATION INC COM 683344105   14 65 SH   SOLE   65 0 0
OPTION CARE HEALTH INC COM NEW 68404L201   16 572 SH   SOLE   572 0 0
OSCAR HEALTH INC CL A 687793109   9 570 SH   SOLE   570 0 0
OWENS & MINOR INC NEW COM 690732102   9 649 SH   SOLE   649 0 0
PBF ENERGY INC CL A 69318G106   18 384 SH   SOLE   384 0 0
PACER FDS TR US CASH COWS 100 69374H881   27 505 SH   SOLE   505 0 0
PAR PAC HOLDINGS INC COM NEW 69888T207   17 675 SH   SOLE   675 0 0
PAYCHEX INC COM 704326107   1,594 13,447 SH   SOLE   13,447 0 0
PEPSICO INC COM 713448108   1,057 6,410 SH   SOLE   6,410 0 0
PIMCO ETF TR ENHAN SHRT MAT 72201R833   12 122 SH   SOLE   122 0 0
PRICE T ROWE GROUP INC COM 74144T108   1,608 13,945 SH   SOLE   13,945 0 0
PULTE GROUP INC COM 745867101   12 109 SH   SOLE   109 0 0
Q2 HLDGS INC COM 74736L109   12 206 SH   SOLE   206 0 0
RPM INTL INC COM 749685103   18 165 SH   SOLE   165 0 0
RADNET INC COM 750491102   14 246 SH   SOLE   246 0 0
RAYTHEON TECHNOLOGIES CORP COM 75513E101   1,022 10,183 SH   SOLE   10,183 0 0
REINSURANCE GRP OF AMERICA I COM NEW 759351604   11 52 SH   SOLE   52 0 0
RESIDEO TECHNOLOGIES INC COM 76118Y104   16 804 SH   SOLE   804 0 0
RYERSON HLDG CORP COM 783754104   8 435 SH   SOLE   435 0 0
SPDR SER TR BLOOMBERG 1-3 MO 78468R663   87 949 SH   SOLE   949 0 0
SAIA INC COM 78709Y105   10 21 SH   SOLE   21 0 0
SANMINA CORPORATION COM 801056102   16 244 SH   SOLE   244 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   35,678 555,299 SH   SOLE   555,299 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   8,814 185,745 SH   SOLE   185,745 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   15,422 198,327 SH   SOLE   198,327 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   74,411 1,936,785 SH   SOLE   1,936,785 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870   28,711 552,036 SH   SOLE   552,036 0 0
SELECT SECTOR SPDR TR ENERGY 81369Y506   5,267 57,786 SH   SOLE   57,786 0 0
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852   1,645 19,209 SH   SOLE   19,209 0 0
SKYWEST INC COM 830879102   17 210 SH   SOLE   210 0 0
SONIC AUTOMOTIVE INC CL A 83545G102   14 261 SH   SOLE   261 0 0
SWEETGREEN INC COM CL A 87043Q108   14 477 SH   SOLE   477 0 0
SYLVAMO CORP COMMON STOCK 871332102   21 312 SH   SOLE   312 0 0
TD SYNNEX CORPORATION COM 87162W100   16 138 SH   SOLE   138 0 0
TRI POINTE HOMES INC COM 87265H109   16 434 SH   SOLE   434 0 0
TAYLOR MORRISON HOME CORP COM 87724P106   19 338 SH   SOLE   338 0 0
TELEPHONE & DATA SYS INC COM NEW 879433829   10 488 SH   SOLE   488 0 0
TEXAS INSTRS INC COM 882508104   2,129 10,943 SH   SOLE   10,943 0 0
TIDEWATER INC NEW COM 88642R109   16 169 SH   SOLE   169 0 0
TOPBUILD CORP COM 89055F103   12 31 SH   SOLE   31 0 0
UNION PAC CORP COM 907818108   1,709 7,553 SH   SOLE   7,553 0 0
UNITED PARCEL SERVICE INC CL B 911312106   1,387 10,137 SH   SOLE   10,137 0 0
US FOODS HLDG CORP COM 912008109   20 381 SH   SOLE   381 0 0
UNITEDHEALTH GROUP INC COM 91324P102   1,707 3,352 SH   SOLE   3,352 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   30,366 693,931 SH   SOLE   693,931 0 0
VANGUARD WORLD FDS UTILITIES ETF 92204A876   254 1,718 SH   SOLE   1,718 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   19,433 251,472 SH   SOLE   251,472 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   6,238 78,039 SH   SOLE   78,039 0 0
VERIZON COMMUNICATIONS INC COM 92343V104   15 364 SH   SOLE   364 0 0
VERTIV HOLDINGS CO COM CL A 92537N108   22 259 SH   SOLE   259 0 0
VIRTU FINL INC CL A 928254101   9 386 SH   SOLE   386 0 0
VISTA OUTDOOR INC COM 928377100   19 502 SH   SOLE   502 0 0
VISTRA CORP COM 92840M102   13 153 SH   SOLE   153 0 0
WP CAREY INC COM 92936U109   12 222 SH   SOLE   222 0 0
WALMART INC COM 931142103   21 311 SH   SOLE   311 0 0
WILLIAMS SONOMA INC COM 969904101   10 36 SH   SOLE   36 0 0
WISDOMTREE TR FLOATNG RAT TREA 97717Y527   1,668 33,158 SH   SOLE   33,158 0 0
WORLD KINECT CORPORATION COM 981475106   17 647 SH   SOLE   647 0 0
WORLD GOLD TR SPDR GLD MINIS 98149E303   388 8,410 SH   SOLE   8,410 0 0
XPO INC COM 983793100   13 123 SH   SOLE   123 0 0
CONSTELLIUM SE CL A SHS F21107101   20 1,080 SH   SOLE   1,080 0 0
ADIENT PLC ORD SHS G0084W101   9 358 SH   SOLE   358 0 0
AXIS CAP HLDGS LTD SHS G0692U109   18 259 SH   SOLE   259 0 0
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   2,228 7,343 SH   SOLE   7,343 0 0
FTAI AVIATION LTD SHS G3730V105   22 209 SH   SOLE   209 0 0
WEATHERFORD INTL PLC ORD SHS G48833118   16 133 SH   SOLE   133 0 0
TECHNIPFMC PLC COM G87110105   14 550 SH   SOLE   550 0 0
ELASTIC N V ORD SHS N14506104   12 107 SH   SOLE   107 0 0