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
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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   386,740 2,540 SH   SOLE 0 20 0 2,520
ALPS ETF TR ALERIAN MLP 00162Q452   922,907 19,446 SH   SOLE 0 0 0 19,446
APPLE INC COM 037833100   1,455,179 8,486 SH   SOLE 0 0 0 8,486
ARCH CAP GROUP LTD ORD G0450A105   970,620 10,500 SH   SOLE 0 0 0 10,500
ATEA PHARMACEUTICALS INC COM 04683R106   715,080 177,000 SH   SOLE 0 80,000 0 97,000
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   219,091 521 SH   SOLE 0 0 0 521
CINTAS CORP COM 172908105   346,950 505 SH   SOLE 0 0 0 505
ELI LILLY & CO COM 532457108   233,388 300 SH   SOLE 0 0 0 300
EXXON MOBIL CORP COM 30231G102   467,615 4,023 SH   SOLE 0 0 0 4,023
FIDELITY COMWLTH TR NASDAQ COMPSIT 315912808   214,452 3,330 SH   SOLE 0 0 0 3,330
FIRST TR EXCH TRADED FD III MANAGD MUN ETF 33739N108   356,179 6,935 SH   SOLE 0 0 0 6,935
FIRST TR EXCHANGE-TRADED FD NO AMER ENERGY 33738D101   1,731,787 58,645 SH   SOLE 0 0 0 58,645
FLEXSHARES TR FLEXSHARES ULTRA 33939L886   1,101,399 14,599 SH   SOLE 0 37 0 14,562
HOME DEPOT INC COM 437076102   321,840 839 SH   SOLE 0 0 0 839
INVESCO EXCH TRADED FD TR II EMRNG MKT SVRG 46138E784   214,235 10,471 SH   SOLE 0 0 0 10,471
ISHARES TR NATIONAL MUN ETF 464288414   241,291 2,242 SH   SOLE 0 0 0 2,242
ISHARES TR SHRT NAT MUN ETF 464288158   324,558 3,099 SH   SOLE 0 0 0 3,099
ISHARES TR TIPS BD ETF 464287176   471,015 4,385 SH   SOLE 0 2 0 4,383
ISHARES TR RUSSELL 3000 ETF 464287689   362,497 1,208 SH   SOLE 0 0 0 1,208
ISHARES TR PFD AND INCM SEC 464288687   534,992 16,599 SH   SOLE 0 0 0 16,599
ISHARES TR INTL SEL DIV ETF 464288448   872,525 31,117 SH   SOLE 0 0 0 31,117
ISHARES TR CORE US AGGBD ET 464287226   1,881,507 19,211 SH   SOLE 0 29 0 19,182
ISHARES TR RUS 1000 VAL ETF 464287598   5,113,631 28,550 SH   SOLE 0 0 0 28,550
ISHARES TR RUS MDCP VAL ETF 464287473   3,901,760 31,132 SH   SOLE 0 0 0 31,132
ISHARES TR RUS 1000 ETF 464287622   1,650,642 5,731 SH   SOLE 0 0 0 5,731
ISHARES TR CORE S&P MCP ETF 464287507   303,396 4,995 SH   SOLE 0 0 0 4,995
ISHARES TR RUS 1000 GRW ETF 464287614   2,192,545 6,505 SH   SOLE 0 0 0 6,505
ISHARES TR RUS MD CP GR ETF 464287481   3,898,419 34,155 SH   SOLE 0 0 0 34,155
ISHARES TR RUSSELL 2000 ETF 464287655   3,960,342 18,832 SH   SOLE 0 0 0 18,832
ISHARES TR CORE MSCI EAFE 46432F842   5,948,705 80,150 SH   SOLE 0 1,310 0 78,840
ISHARES TR GLB INFRASTR ETF 464288372   574,003 12,054 SH   SOLE 0 0 0 12,054
ISHARES U S ETF TR BLACKROCK SH DUR 46431W507   842,428 16,695 SH   SOLE 0 906 0 15,789
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   4,039,045 80,060 SH   SOLE 0 709 0 79,351
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332   1,166,346 20,158 SH   SOLE 0 0 0 20,158
JANUS DETROIT STR TR HENDRSON AAA CL 47103U845   5,797,881 114,266 SH   SOLE 0 0 0 114,266
JOHNSON & JOHNSON COM 478160104   268,132 1,695 SH   SOLE 0 0 0 1,695
MICROSOFT CORP COM 594918104   926,425 2,202 SH   SOLE 0 0 0 2,202
NEUMORA THERAPEUTICS INC. COM 640979100   1,444,946 105,087 SH   SOLE 0 0 0 105,087
PIMCO ETF TR ENHAN SHRT MA AC 72201R833   5,788,512 57,574 SH   SOLE 0 0 0 57,574
PROCTER AND GAMBLE CO COM 742718109   547,269 3,373 SH   SOLE 0 0 0 3,373
PROSHARES TR SHORT QQQ NEW 74347B714   89,606 10,229 SH   SOLE 0 0 0 10,229
PROSHARES TR PSHS ULTSH 20YRS 74347B201   203,462 6,173 SH   SOLE 0 0 0 6,173
SERES THERAPEUTICS INC COM 81750R102   13,160 17,000 SH   SOLE 0 0 0 17,000
SHERWIN WILLIAMS CO COM 824348106   243,826 702 SH   SOLE 0 0 0 702
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   28,320,728 790,199 SH   SOLE 0 0 0 790,199
SPDR S&P 500 ETF TR TR UNIT 78462F103   1,708,228 3,266 SH   SOLE 0 0 0 3,266
SPDR SER TR PORTFLI TIPS ETF 78464A656   591,345 23,081 SH   SOLE 0 90 0 22,991
SPDR SER TR PORTFOLIO INTRMD 78464A375   6,746,763 206,386 SH   SOLE 0 0 0 206,386
SPDR SER TR BLOOMBERG 3-12 M 78468R523   4,844,577 48,728 SH   SOLE 0 0 0 48,728
SPDR SER TR PORTFLI INTRMDIT 78464A672   5,333,285 189,258 SH   SOLE 0 0 0 189,258
SPDR SER TR BLOOMBERG INTL T 78464A516   1,692,721 76,112 SH   SOLE 0 0 0 76,112
SPDR SER TR PORTFOLIO LN TSR 78464A664   462,640 16,558 SH   SOLE 0 0 0 16,558
SPDR SER TR NUVEEN BLMBRG SH 78468R739   237,180 5,000 SH   SOLE 0 0 0 5,000
SPDR SER TR PORTFOLIO SHORT 78464A474   9,276,972 311,621 SH   SOLE 0 1,133 0 310,488
SPDR SER TR PRTFLO S&P500 GW 78464A409   5,220,842 71,372 SH   SOLE 0 0 0 71,372
SPDR SER TR PRTFLO S&P500 VL 78464A508   6,729,067 134,313 SH   SOLE 0 1,006 0 133,307
SPDR SER TR BLOOMBERG 1-3 MO 78468R663   28,623,219 311,800 SH   SOLE 0 2,097 0 309,703
SPDR SER TR PORTFOLIO AGRGTE 78464A649   3,146,677 124,473 SH   SOLE 0 403 0 124,070
SPDR SER TR PORTFOLIO S&P500 78464A854   46,548,100 756,511 SH   SOLE 0 0 0 756,511
SPDR SER TR BLOOMBERG HIGH Y 78468R622   841,660 8,841 SH   SOLE 0 0 0 8,841
SSGA ACTIVE ETF TR BLACKSTONE SENR 78467V608   504,572 11,982 SH   SOLE 0 0 0 11,982
SSGA ACTIVE ETF TR ULT SHT TRM BD 78467V707   5,350,371 132,108 SH   SOLE 0 1,784 0 130,324
SSGA ACTIVE ETF TR SPDR TR TACTIC 78467V848   2,020,110 50,440 SH   SOLE 0 128 0 50,312
SSGA ACTIVE TR SPDR BLACKSTONE 78470P846   2,447,096 86,226 SH   SOLE 0 0 0 86,226
TYRA BIOSCIENCES INC COM 90240B106   1,394,328 85,020 SH   SOLE 0 0 0 85,020
VALUED ADVISERS TR REGAN FLTG RATE 92046L338   1,938,725 76,701 SH   SOLE 0 0 0 76,701
VANECK ETF TRUST SHRT HGH YLD MUN 92189F387   319,658 14,264 SH   SOLE 0 0 0 14,264
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   5,184,733 105,402 SH   SOLE 0 310 0 105,092
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   581,130 6,720 SH   SOLE 0 0 0 6,720
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   3,390,682 7,054 SH   SOLE 0 415 0 6,639
VANGUARD INDEX FDS EXTEND MKT ETF 922908652   220,139 1,256 SH   SOLE 0 0 0 1,256
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   6,657,289 159,380 SH   SOLE 0 0 0 159,380
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706   4,029,246 68,817 SH   SOLE 0 477 0 68,340
VANGUARD SCOTTSDALE FDS LONG TERM TREAS 92206C847   415,332 7,011 SH   SOLE 0 0 0 7,011
VANGUARD SCOTTSDALE FDS VNG RUS1000GRW 92206C680   4,652,450 53,680 SH   SOLE 0 519 0 53,161
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   4,544,797 56,450 SH   SOLE 0 304 0 56,146
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   10,326,020 205,821 SH   SOLE 0 0 0 205,821
VANGUARD WHITEHALL FDS EM MK GOV BD ETF 921946885   202,851 3,177 SH   SOLE 0 0 0 3,177
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   2,665,774 22,033 SH   SOLE 0 0 0 22,033
WORLD GOLD TR SPDR GLD MINIS 98149E303   544,370 12,358 SH   SOLE 0 0 0 12,358