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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ABRDN ETFS BBRG ALL COMD K1 003261104 295 10,524 SH   SOLE   10,524 0 0
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 933 2,917 SH   SOLE   2,917 0 0
APPLE INC COM 037833100 590 4,166 SH   SOLE   4,166 0 0
INVESCO ACTIVLY MANGD ETC FD OPTIMUM YIELD 46090F100 455 21,600 SH   SOLE   21,600 0 0
INVESCO EXCH TRADED FD TR II S&P SMLCP INDL 46138E123 8,422 92,729 SH   SOLE   92,729 0 0
INVESCO EXCH TRADED FD TR II VAR RATE PFD 46138G870 7,397 282,106 SH   SOLE   282,106 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 2,198 14,672 SH   SOLE   14,672 0 0
ISHARES INC CORE MSCI EMKT 46434G103 11,107 179,842 SH   SOLE   179,842 0 0
ISHARES TR 0-5 YR TIPS ETF 46429B747 17,548 166,127 SH   SOLE   166,127 0 0
ISHARES TR 0-5YR HI YL CP 46434V407 6,796 148,701 SH   SOLE   148,701 0 0
ISHARES TR CORE 1 5 YR USD 46432F859 11,594 227,028 SH   SOLE   227,028 0 0
ISHARES TR CORE DIV GRWTH 46434V621 3,564 70,934 SH   SOLE   70,934 0 0
ISHARES TR CORE MSCI EAFE 46432F842 14,858 200,109 SH   SOLE   200,109 0 0
ISHARES TR CORE MSCI INTL 46435G326 268 4,017 SH   SOLE   4,017 0 0
ISHARES TR CORE S&P MCP ETF 464287507 7,551 28,703 SH   SOLE   28,703 0 0
ISHARES TR CORE S&P SCP ETF 464287804 7,614 69,730 SH   SOLE   69,730 0 0
ISHARES TR CORE S&P500 ETF 464287200 21,159 49,114 SH   SOLE   49,114 0 0
ISHARES TR HDG MSCI EAFE 46434V803 1,303 37,886 SH   SOLE   37,886 0 0
ISHARES TR MBS ETF 464288588 11,415 105,562 SH   SOLE   105,562 0 0
ISHARES TR MSCI EAFE ETF 464287465 346 4,434 SH   SOLE   4,434 0 0
ISHARES TR MSCI EAFE MIN VL 46429B689 5,863 77,822 SH   SOLE   77,822 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 344 6,829 SH   SOLE   6,829 0 0
ISHARES TR MSCI USA ESG SLC 464288802 214 2,232 SH   SOLE   2,232 0 0
ISHARES TR RUS 1000 ETF 464287622 1,543 6,384 SH   SOLE   6,384 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 877 3,201 SH   SOLE   3,201 0 0
ISHARES TR RUS 1000 VAL ETF 464287598 628 4,014 SH   SOLE   4,014 0 0
ISHARES TR RUS 2000 GRW ETF 464287648 242 825 SH   SOLE   825 0 0
ISHARES TR RUS 2000 VAL ETF 464287630 207 1,293 SH   SOLE   1,293 0 0
ISHARES TR S&P 100 ETF 464287101 1,700 8,611 SH   SOLE   8,611 0 0
ISHARES TR S&P 500 GRWT ETF 464287309 9,836 133,084 SH   SOLE   133,084 0 0
ISHARES TR S&P 500 VAL ETF 464287408 9,298 63,937 SH   SOLE   63,937 0 0
ISHARES TR S&P MC 400GR ETF 464287606 682 8,617 SH   SOLE   8,617 0 0
ISHARES TR S&P MC 400VL ETF 464287705 877 8,515 SH   SOLE   8,515 0 0
ISHARES TR S&P SML 600 GWT 464287887 382 2,934 SH   SOLE   2,934 0 0
ISHARES TR SP SMCP600VL ETF 464287879 424 4,211 SH   SOLE   4,211 0 0
PIMCO ETF TR 1-5 US TIP IDX 72201R205 281 5,124 SH   SOLE   5,124 0 0
POLARITYTE INC COM 731094108 54 82,746 SH   SOLE   82,746 0 0
PRUDENTIAL FINL INC COM 744320102 1,086 10,319 SH   SOLE   10,319 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 288 3,880 SH   SOLE   3,880 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 1,223 2,851 SH   SOLE   2,851 0 0
SPDR SER TR BLOOMBERG SRT TR 78468R408 322 11,746 SH   SOLE   11,746 0 0
SPDR SER TR S&P DIVID ETF 78464A763 257 2,185 SH   SOLE   2,185 0 0
SPDR SER TR SPDR S&P1500VL 78464A128 8,600 59,480 SH   SOLE   59,480 0 0
UNITED STS COMMODITY INDEX F COMM IDX FND 911717106 483 11,813 SH   SOLE   11,813 0 0
VANGUARD INDEX FDS LARGE CAP ETF 922908637 2,811 13,989 SH   SOLE   13,989 0 0
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 244 1,033 SH   SOLE   1,033 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 4,161 17,575 SH   SOLE   17,575 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 308 780 SH   SOLE   780 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 3,621 16,560 SH   SOLE   16,560 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 325 1,465 SH   SOLE   1,465 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 443 3,274 SH   SOLE   3,274 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 3,987 79,715 SH   SOLE   79,715 0 0
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 5,852 43,774 SH   SOLE   43,774 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 17,003 110,698 SH   SOLE   110,698 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768 308 4,862 SH   SOLE   4,862 0 0
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 6,671 132,129 SH   SOLE   132,129 0 0
VANGUARD WORLD FD MEGA CAP VAL ETF 921910840 722 7,378 SH   SOLE   7,378 0 0
VANGUARD WORLD FD MEGA GRWTH IND 921910816 498 2,121 SH   SOLE   2,121 0 0