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The reader should not assume that the information is accurate and complete.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F

FORM 13F INFORMATION TABLE
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COLUMN 1 COLUMN 2 COLUMN 3 COLUMN 4 COLUMN 5 COLUMN 6 COLUMN 7 COLUMN 8
VALUE SHRS OR SH/ PUT/ INVESTMENT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ALPHABET INC CAP STK CL C 02079K107   356,337 2,540 SH   SOLE 0 20 0 2,520
ALPS ETF TR ALERIAN MLP 00162Q452   819,045 19,464 SH   SOLE 0 0 0 19,464
APPLE INC COM 037833100   1,567,117 8,672 SH   SOLE 0 0 0 8,672
ARCH CAP GROUP LTD ORD G0450A105   872,025 10,500 SH   SOLE 0 0 0 10,500
ATEA PHARMACEUTICALS INC COM 04683R106   534,540 177,000 SH   SOLE 0 80,000 0 97,000
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   208,433 603 SH   SOLE 0 0 0 603
CINTAS CORP COM 172908105   260,070 505 SH   SOLE 0 0 0 505
EXXON MOBIL CORP COM 30231G102   428,312 4,023 SH   SOLE 0 0 0 4,023
FIRST TR EXCH TRADED FD III MANAGD MUN ETF 33739N108   430,209 8,791 SH   SOLE 0 0 0 8,791
FIRST TR EXCHANGE-TRADED FD NO AMER ENERGY 33738D101   1,543,803 58,411 SH   SOLE 0 0 0 58,411
FLEXSHARES TR FLEXSHARES ULTRA 33939L886   1,105,442 14,753 SH   SOLE 0 37 0 14,716
HOME DEPOT INC COM 437076102   245,844 839 SH   SOLE 0 0 0 839
ISHARES TR CORE US AGGBD ET 464287226   1,743,387 18,698 SH   SOLE 0 29 0 18,669
ISHARES TR RUS 1000 ETF 464287622   1,381,422 5,804 SH   SOLE 0 0 0 5,804
ISHARES TR RUS 1000 GRW ETF 464287614   1,813,587 6,597 SH   SOLE 0 0 0 6,597
ISHARES TR CORE S&P MCP ETF 464287507   244,775 999 SH   SOLE 0 0 0 999
ISHARES TR RUSSELL 2000 ETF 464287655   3,089,313 17,993 SH   SOLE 0 0 0 17,993
ISHARES TR CORE MSCI EAFE 46432F842   5,058,373 78,595 SH   SOLE 0 1,310 0 77,285
ISHARES TR RUS MD CP GR ETF 464287481   3,070,808 33,575 SH   SOLE 0 0 0 33,575
ISHARES TR GLB INFRASTR ETF 464288372   435,639 10,246 SH   SOLE 0 0 0 10,246
ISHARES TR NATIONAL MUN ETF 464288414   295,384 2,883 SH   SOLE 0 0 0 2,883
ISHARES TR SHRT NAT MUN ETF 464288158   381,845 3,704 SH   SOLE 0 0 0 3,704
ISHARES TR TIPS BD ETF 464287176   510,373 4,957 SH   SOLE 0 2 0 4,955
ISHARES TR INTL SEL DIV ETF 464288448   680,395 26,925 SH   SOLE 0 0 0 26,925
ISHARES TR PFD AND INCM SEC 464288687   455,846 15,708 SH   SOLE 0 0 0 15,708
ISHARES TR RUSSELL 3000 ETF 464287689   299,342 1,208 SH   SOLE 0 0 0 1,208
ISHARES TR RUS 1000 VAL ETF 464287598   4,325,450 28,800 SH   SOLE 0 0 0 28,800
ISHARES TR RUS MDCP VAL ETF 464287473   3,094,411 29,970 SH   SOLE 0 0 0 29,970
ISHARES U S ETF TR BLACKROCK ST MAT 46431W507   4,802,198 96,430 SH   SOLE 0 906 0 95,524
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332   1,089,826 20,382 SH   SOLE 0 0 0 20,382
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   3,221,932 64,349 SH   SOLE 0 709 0 63,640
JANUS DETROIT STR TR HENDRSON AAA CL 47103U845   4,712,035 94,128 SH   SOLE 0 0 0 94,128
JOHNSON & JOHNSON COM 478160104   264,979 1,695 SH   SOLE 0 0 0 1,695
MICROSOFT CORP COM 594918104   733,519 2,215 SH   SOLE 0 0 0 2,215
PIMCO ETF TR ENHAN SHRT MA AC 72201R833   4,748,872 47,551 SH   SOLE 0 0 0 47,551
PROCTER AND GAMBLE CO COM 742718109   483,418 3,373 SH   SOLE 0 0 0 3,373
PROSHARES TR SHORT QQQ NEW 74347B714   119,166 11,274 SH   SOLE 0 0 0 11,274
SERES THERAPEUTICS INC COM 81750R102   25,075 17,000 SH   SOLE 0 0 0 17,000
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   23,948,351 772,527 SH   SOLE 0 0 0 772,527
SPDR S&P 500 ETF TR TR UNIT 78462F103   1,387,515 3,200 SH   SOLE 0 0 0 3,200
SPDR SER TR PORTFLI TIPS ETF 78464A656   494,594 20,081 SH   SOLE 0 90 0 19,991
SPDR SER TR PORTFLI INTRMDIT 78464A672   5,104,690 186,575 SH   SOLE 0 0 0 186,575
SPDR SER TR BLOOMBERG 3-12 M 78468R523   3,989,534 40,221 SH   SOLE 0 0 0 40,221
SPDR SER TR BLOOMBERG INTL T 78464A516   1,423,536 67,562 SH   SOLE 0 0 0 67,562
SPDR SER TR PORTFOLIO LN TSR 78464A664   412,239 16,198 SH   SOLE 0 0 0 16,198
SPDR SER TR NUVEEN BLMBRG SH 78468R739   296,382 6,394 SH   SOLE 0 0 0 6,394
SPDR SER TR PORTFOLIO S&P500 78464A854   37,713,755 739,340 SH   SOLE 0 0 0 739,340
SPDR SER TR PORTFOLIO INTRMD 78464A375   6,441,541 205,997 SH   SOLE 0 0 0 205,997
SPDR SER TR PORTFOLIO SHORT 78464A474   4,780,092 163,422 SH   SOLE 0 1,133 0 162,289
SPDR SER TR PRTFLO S&P500 VL 78464A508   5,553,131 134,198 SH   SOLE 0 1,006 0 133,192
SPDR SER TR BLOOMBERG HIGH Y 78468R622   780,313 8,743 SH   SOLE 0 0 0 8,743
SPDR SER TR PORTFOLIO AGRGTE 78464A649   2,922,835 121,229 SH   SOLE 0 403 0 120,826
SPDR SER TR PRTFLO S&P500 GW 78464A409   4,239,013 69,789 SH   SOLE 0 0 0 69,789
SPDR SER TR BLOOMBERG 1-3 MO 78468R663   32,625,215 356,170 SH   SOLE 0 2,097 0 354,073
SSGA ACTIVE ETF TR BLACKSTONE SENR 78467V608   434,074 10,440 SH   SOLE 0 0 0 10,440
SSGA ACTIVE ETF TR ULT SHT TRM BD 78467V707   5,009,973 124,719 SH   SOLE 0 1,784 0 122,935
SSGA ACTIVE ETF TR SPDR TR TACTIC 78467V848   1,980,472 51,886 SH   SOLE 0 128 0 51,758
SSGA ACTIVE TR SPDR BLACKSTONE 78470P846   1,976,293 72,418 SH   SOLE 0 0 0 72,418
TYRA BIOSCIENCES INC COM 90240B106   1,198,782 85,020 SH   SOLE 0 0 0 85,020
VANECK ETF TRUST SHRT HGH YLD MUN 92189F387   383,226 17,595 SH   SOLE 0 0 0 17,595
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   5,161,696 108,076 SH   SOLE 0 310 0 107,766
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   3,119,223 7,827 SH   SOLE 0 415 0 7,412
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   453,853 5,997 SH   SOLE 0 0 0 5,997
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   5,309,452 135,514 SH   SOLE 0 0 0 135,514
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706   4,005,257 70,503 SH   SOLE 0 477 0 70,026
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   4,230,009 56,161 SH   SOLE 0 304 0 55,857
VANGUARD SCOTTSDALE FDS LONG TERM TREAS 92206C847   360,815 6,683 SH   SOLE 0 0 0 6,683
VANGUARD SCOTTSDALE FDS VNG RUS1000GRW 92206C680   4,019,000 56,798 SH   SOLE 0 519 0 56,279
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   9,149,546 209,420 SH   SOLE 0 0 0 209,420
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   2,238,099 21,889 SH   SOLE 0 200 0 21,689
WORLD GOLD TR SPDR GLD MINIS 98149E303   451,317 12,178 SH   SOLE 0 0 0 12,178