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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   378,391 2,545 SH   SOLE 0 20 0 2,525
ALPS ETF TR ALERIAN MLP 00162Q452   845,297 19,450 SH   SOLE 0 0 0 19,450
APPLE INC COM 037833100   1,656,883 8,489 SH   SOLE 0 0 0 8,489
ARCH CAP GROUP LTD ORD G0450A105   843,570 10,500 SH   SOLE 0 0 0 10,500
ATEA PHARMACEUTICALS INC COM 04683R106   670,830 177,000 SH   SOLE 0 80,000 0 97,000
CINTAS CORP COM 172908105   304,853 505 SH   SOLE 0 0 0 505
EXXON MOBIL CORP COM 30231G102   393,876 4,023 SH   SOLE 0 0 0 4,023
FIDELITY COMWLTH TR NASDAQ COMPSIT 315912808   202,464 3,330 SH   SOLE 0 0 0 3,330
FIRST TR EXCH TRADED FD III MANAGD MUN ETF 33739N108   357,669 6,995 SH   SOLE 0 0 0 6,995
FIRST TR EXCHANGE-TRADED FD NO AMER ENERGY 33738D101   1,577,097 58,411 SH   SOLE 0 0 0 58,411
FLEXSHARES TR FLEXSHARES ULTRA 33939L886   1,088,473 14,447 SH   SOLE 0 37 0 14,410
HOME DEPOT INC COM 437076102   294,304 839 SH   SOLE 0 0 0 839
ISHARES TR CORE US AGGBD ET 464287226   1,743,440 17,797 SH   SOLE 0 29 0 17,768
ISHARES TR RUS 1000 ETF 464287622   1,526,287 5,719 SH   SOLE 0 0 0 5,719
ISHARES TR CORE S&P MCP ETF 464287507   275,035 999 SH   SOLE 0 0 0 999
ISHARES TR RUS 1000 GRW ETF 464287614   2,067,172 6,583 SH   SOLE 0 0 0 6,583
ISHARES TR CORE MSCI EAFE 46432F842   5,372,213 77,915 SH   SOLE 0 1,310 0 76,605
ISHARES TR RUSSELL 2000 ETF 464287655   3,578,354 18,260 SH   SOLE 0 0 0 18,260
ISHARES TR RUS MD CP GR ETF 464287481   3,570,455 34,008 SH   SOLE 0 0 0 34,008
ISHARES TR GLB INFRASTR ETF 464288372   454,885 10,102 SH   SOLE 0 0 0 10,102
ISHARES TR NATIONAL MUN ETF 464288414   257,613 2,398 SH   SOLE 0 0 0 2,398
ISHARES TR SHRT NAT MUN ETF 464288158   299,661 2,858 SH   SOLE 0 0 0 2,858
ISHARES TR TIPS BD ETF 464287176   468,101 4,386 SH   SOLE 0 2 0 4,384
ISHARES TR INTL SEL DIV ETF 464288448   723,331 26,486 SH   SOLE 0 0 0 26,486
ISHARES TR PFD AND INCM SEC 464288687   487,001 15,426 SH   SOLE 0 0 0 15,426
ISHARES TR RUSSELL 3000 ETF 464287689   335,812 1,208 SH   SOLE 0 0 0 1,208
ISHARES TR RUS 1000 VAL ETF 464287598   4,780,421 29,021 SH   SOLE 0 0 0 29,021
ISHARES TR RUS MDCP VAL ETF 464287473   3,499,600 30,522 SH   SOLE 0 0 0 30,522
ISHARES U S ETF TR BLACKROCK SH DUR 46431W507   4,909,330 97,022 SH   SOLE 0 906 0 96,116
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332   1,057,352 18,932 SH   SOLE 0 0 0 18,932
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   3,287,774 65,234 SH   SOLE 0 709 0 64,525
JANUS DETROIT STR TR HENDRSON AAA CL 47103U845   4,817,425 95,225 SH   SOLE 0 0 0 95,225
JOHNSON & JOHNSON COM 478160104   270,878 1,695 SH   SOLE 0 0 0 1,695
MICROSOFT CORP COM 594918104   879,176 2,204 SH   SOLE 0 0 0 2,204
PIMCO ETF TR ENHAN SHRT MA AC 72201R833   4,744,804 47,339 SH   SOLE 0 0 0 47,339
PROCTER AND GAMBLE CO COM 742718109   519,375 3,373 SH   SOLE 0 0 0 3,373
SERES THERAPEUTICS INC COM 81750R102   20,570 17,000 SH   SOLE 0 0 0 17,000
SHERWIN WILLIAMS CO COM 824348106   214,433 702 SH   SOLE 0 0 0 702
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   26,413,684 793,442 SH   SOLE 0 0 0 793,442
SPDR S&P 500 ETF TR TR UNIT 78462F103   1,554,295 3,206 SH   SOLE 0 0 0 3,206
SPDR SER TR PORTFLI TIPS ETF 78464A656   562,375 22,019 SH   SOLE 0 90 0 21,929
SPDR SER TR PORTFOLIO INTRMD 78464A375   6,698,506 205,035 SH   SOLE 0 0 0 205,035
SPDR SER TR BLOOMBERG 3-12 M 78468R523   4,039,168 40,635 SH   SOLE 0 0 0 40,635
SPDR SER TR PORTFLI INTRMDIT 78464A672   5,303,515 187,139 SH   SOLE 0 0 0 187,139
SPDR SER TR PORTFOLIO LN TSR 78464A664   443,119 15,974 SH   SOLE 0 0 0 15,974
SPDR SER TR BLOOMBERG INTL T 78464A516   1,603,390 71,836 SH   SOLE 0 0 0 71,836
SPDR SER TR NUVEEN BLMBRG SH 78468R739   248,879 5,241 SH   SOLE 0 0 0 5,241
SPDR SER TR PORTFOLIO S&P500 78464A854   42,598,983 747,088 SH   SOLE 0 0 0 747,088
SPDR SER TR PORTFOLIO SHORT 78464A474   4,909,360 164,633 SH   SOLE 0 1,133 0 163,500
SPDR SER TR PRTFLO S&P500 VL 78464A508   6,267,706 134,500 SH   SOLE 0 1,006 0 133,494
SPDR SER TR BLOOMBERG HIGH Y 78468R622   771,035 8,161 SH   SOLE 0 0 0 8,161
SPDR SER TR PRTFLO S&P500 GW 78464A409   4,829,442 71,484 SH   SOLE 0 0 0 71,484
SPDR SER TR PORTFOLIO AGRGTE 78464A649   3,033,508 119,901 SH   SOLE 0 403 0 119,498
SPDR SER TR BLOOMBERG 1-3 MO 78468R663   33,916,764 369,947 SH   SOLE 0 2,097 0 367,850
SSGA ACTIVE ETF TR ULT SHT TRM BD 78467V707   5,067,346 125,089 SH   SOLE 0 1,784 0 123,305
SSGA ACTIVE ETF TR BLACKSTONE SENR 78467V608   429,664 10,230 SH   SOLE 0 0 0 10,230
SSGA ACTIVE ETF TR SPDR TR TACTIC 78467V848   1,930,623 48,520 SH   SOLE 0 128 0 48,392
SSGA ACTIVE TR SPDR BLACKSTONE 78470P846   2,049,659 72,994 SH   SOLE 0 0 0 72,994
TYRA BIOSCIENCES INC COM 90240B106   1,136,292 85,020 SH   SOLE 0 0 0 85,020
VANECK ETF TRUST SHRT HGH YLD MUN 92189F387   250,297 11,408 SH   SOLE 0 0 0 11,408
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   5,096,959 104,660 SH   SOLE 0 310 0 104,350
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   3,425,194 7,686 SH   SOLE 0 415 0 7,271
VANGUARD INDEX FDS EXTEND MKT ETF 922908652   203,924 1,256 SH   SOLE 0 0 0 1,256
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   503,624 5,903 SH   SOLE 0 0 0 5,903
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   5,460,284 138,095 SH   SOLE 0 0 0 138,095
VANGUARD MALVERN FDS CORE BD ETF 922020748   281,758 3,692 SH   SOLE 0 0 0 3,692
VANGUARD SCOTTSDALE FDS LONG TERM TREAS 92206C847   383,042 6,511 SH   SOLE 0 0 0 6,511
VANGUARD SCOTTSDALE FDS VNG RUS1000GRW 92206C680   4,520,009 55,927 SH   SOLE 0 519 0 55,408
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706   4,009,138 68,090 SH   SOLE 0 477 0 67,613
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   4,378,953 54,526 SH   SOLE 0 304 0 54,222
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   9,781,120 208,909 SH   SOLE 0 0 0 208,909
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   2,377,026 21,197 SH   SOLE 0 200 0 20,997
WORLD GOLD TR SPDR GLD MINIS 98149E303   488,311 12,141 SH   SOLE 0 0 0 12,141