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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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
APPLE INC COM 037833100   3,374,522 16,022 SH   SOLE 0 0 0 16,022
AT&T INC COM 00206R102   232,702 12,177 SH   SOLE 0 0 0 12,177
BLACKROCK ETF TRUST US EQT FACTOR 09290C103   4,956,088 105,583 SH   SOLE 0 0 0 105,583
DAVITA INC COM 23918K108   452,570 3,266 SH   SOLE 0 0 0 3,266
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   203,144 6,301 SH   SOLE 0 0 0 6,301
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309   15,582,503 346,817 SH   SOLE 0 0 0 346,817
FLEXSHARES TR QUALT DIVD IDX 33939L860   1,432,326 21,536 SH   SOLE 0 0 0 21,536
GOLDMAN SACHS ETF TR ACTIVEBETA INT 381430107   2,460,800 73,129 SH   SOLE 0 0 0 73,129
GOLDMAN SACHS ETF TR ACCES TREASURY 381430529   1,838,742 18,373 SH   SOLE 0 0 0 18,373
INNOVATOR ETFS TRUST US EQT PWR BUF 45782C870   1,308,415 37,750 SH   SOLE 0 0 0 37,750
INNOVATOR ETFS TRUST US EQTY PWR BF 45782C680   1,858,103 50,893 SH   SOLE 0 0 0 50,893
INNOVATOR ETFS TRUST US EQTY PWR BUF 45782C573   275,989 7,603 SH   SOLE 0 0 0 7,603
INNOVATOR ETFS TRUST US EQTY PWR BUF 45782C417   223,076 6,350 SH   SOLE 0 0 0 6,350
INNOVATOR ETFS TRUST US EQTY BUFR FEB 45782C433   260,104 6,400 SH   SOLE 0 0 0 6,400
INNOVATOR ETFS TRUST US EQTY BUFR MAY 45782C326   336,089 8,850 SH   SOLE 0 0 0 8,850
INNOVATOR ETFS TRUST QUITY MANAGD FLR 45783Y673   1,221,268 39,536 SH   SOLE 0 0 0 39,536
INNOVATOR ETFS TRUST EQUITY DEF PROTN 45783Y541   486,727 18,175 SH   SOLE 0 0 0 18,175
INNOVATOR ETFS TRUST EQUITY DEFI 2026 45783Y418   206,294 8,160 SH   SOLE 0 0 0 8,160
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354   2,513,136 38,693 SH   SOLE 0 0 0 38,693
INVESCO EXCH TRD SLF IDX FD RUSL 1000 DYNM 46138J619   4,397,188 83,772 SH   SOLE 0 0 0 83,772
INVESCO QQQ TR UNIT SER 1 46090E103   318,785 665 SH   SOLE 0 0 0 665
ISHARES INC MSCI EQUAL WEITE 464286681   1,666,254 18,881 SH   SOLE 0 0 0 18,881
ISHARES INC MSCI GBL MIN VOL 464286525   2,793,362 26,695 SH   SOLE 0 0 0 26,695
ISHARES TR MSCI USA MMENTM 46432F396   696,202 3,573 SH   SOLE 0 0 0 3,573
ISHARES TR MSCI USA QLT FCT 46432F339   1,681,799 9,849 SH   SOLE 0 0 0 9,849
ISHARES TR CORE DIV GRWTH 46434V621   1,646,544 28,581 SH   SOLE 0 0 0 28,581
ISHARES TR CORE MSCI PAC 46434V696   755,714 12,344 SH   SOLE 0 0 0 12,344
ISHARES TR MSCI USA MIN VOL 46429B697   3,064,492 36,499 SH   SOLE 0 0 0 36,499
ISHARES TR GRWT ALLOCAT ETF 464289867   1,915,592 34,013 SH   SOLE 0 0 0 34,013
ISHARES TR MSCI ACWI ETF 464288257   1,963,508 17,469 SH   SOLE 0 0 0 17,469
ISHARES TR CORE S&P MCP ETF 464287507   1,415,810 24,194 SH   SOLE 0 0 0 24,194
ISHARES TR CORE S&P SCP ETF 464287804   11,931,737 111,867 SH   SOLE 0 0 0 111,867
ISHARES TR CORE S&P500 ETF 464287200   423,009 773 SH   SOLE 0 0 0 773
ISHARES TR RUS 1000 ETF 464287622   2,466,699 8,290 SH   SOLE 0 0 0 8,290
ISHARES TR CORE US AGGBD ET 464287226   1,074,289 11,067 SH   SOLE 0 0 0 11,067
ISHARES TR MSCI EAFE ETF 464287465   519,361 6,630 SH   SOLE 0 0 0 6,630
J P MORGAN EXCHANGE TRADED F INCOME ETF 46641Q159   1,058,713 23,289 SH   SOLE 0 0 0 23,289
J P MORGAN EXCHANGE TRADED F ACTIVE GROWTH 46654Q609   6,244,549 83,094 SH   SOLE 0 0 0 83,094
J P MORGAN EXCHANGE TRADED F ULTRA SHT MUNCPL 46641Q654   1,400,440 27,598 SH   SOLE 0 0 0 27,598
J P MORGAN EXCHANGE TRADED F CORE PLUS BD ETF 46641Q670   8,357,804 180,397 SH   SOLE 0 0 0 180,397
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   11,934,790 236,473 SH   SOLE 0 0 0 236,473
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332   362,486 6,395 SH   SOLE 0 0 0 6,395
J P MORGAN EXCHANGE TRADED F HEDGED EQUITY LA 46654Q724   762,647 13,023 SH   SOLE 0 0 0 13,023
JOHNSON & JOHNSON COM 478160104   297,436 2,035 SH   SOLE 0 0 0 2,035
PIMCO ETF TR ENHAN SHRT MA AC 72201R833   1,000,606 9,941 SH   SOLE 0 0 0 9,941
PIMCO ETF TR ACTIVE BD ETF 72201R775   16,024,505 175,939 SH   SOLE 0 0 0 175,939
PIMCO ETF TR MULTISECTOR BD 72201R585   6,581,416 256,686 SH   SOLE 0 0 0 256,686
PROCTER AND GAMBLE CO COM 742718109   7,087,767 42,977 SH   SOLE 0 0 0 42,977
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   2,945,805 46,856 SH   SOLE 0 0 0 46,856
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   2,853,519 44,413 SH   SOLE 0 0 0 44,413
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   576,237 12,144 SH   SOLE 0 0 0 12,144
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   7,117,761 70,585 SH   SOLE 0 0 0 70,585
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   7,590,169 97,610 SH   SOLE 0 0 0 97,610
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   6,416,867 82,447 SH   SOLE 0 0 0 82,447
SERVICENOW INC COM 81762P102   239,148 304 SH   SOLE 0 0 0 304
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109   264,789 677 SH   SOLE 0 0 0 677
SPDR S&P 500 ETF TR TR UNIT 78462F103   5,224,895 9,601 SH   SOLE 0 0 0 9,601
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   391,810 732 SH   SOLE 0 0 0 732
SPDR SER TR PRTFLO S&P500 GW 78464A409   1,108,519 13,834 SH   SOLE 0 0 0 13,834
SPDR SER TR S&P DIVID ETF 78464A763   364,251 2,864 SH   SOLE 0 0 0 2,864
SPDR SER TR S&P 400 MDCP GRW 78464A821   568,796 6,767 SH   SOLE 0 0 0 6,767
SPDR SER TR MSCI USA STRTGIC 78468R812   1,557,722 10,564 SH   SOLE 0 0 0 10,564
SSGA ACTIVE ETF TR SPDR TR TACTIC 78467V848   5,807,786 146,218 SH   SOLE 0 0 0 146,218
T ROWE PRICE ETF INC PRICE DIV GRWT 87283Q404   563,074 14,625 SH   SOLE 0 0 0 14,625
TESLA INC COM 88160R101   588,865 2,976 SH   SOLE 0 0 0 2,976
VANECK ETF TRUST MRNGSTR WDE MOAT 92189F643   2,584,719 29,843 SH   SOLE 0 0 0 29,843
VANGUARD INDEX FDS MID CAP ETF 922908629   3,799,057 15,692 SH   SOLE 0 0 0 15,692
VANGUARD INDEX FDS SMALL CP ETF 922908751   892,464 4,093 SH   SOLE 0 0 0 4,093
VANGUARD INDEX FDS GROWTH ETF 922908736   444,883 1,189 SH   SOLE 0 0 0 1,189
VANGUARD INDEX FDS TOTAL STK MKT 922908769   5,117,044 19,128 SH   SOLE 0 0 0 19,128
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   1,113,997 9,891 SH   SOLE 0 0 0 9,891
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   775,959 4,251 SH   SOLE 0 0 0 4,251
WELLS FARGO CO NEW COM 949746101   420,184 7,075 SH   SOLE 0 0 0 7,075
WISDOMTREE TR US MIDCAP DIVID 97717W505   997,390 21,325 SH   SOLE 0 0 0 21,325
WISDOMTREE TR US SMALLCAP DIVD 97717W604   233,559 7,498 SH   SOLE 0 0 0 7,498