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
ABRDN ETFS BBRG ALL COMD K1 003261104   633,098 28,699 SH   SOLE   0 0 28,699
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   778,372 2,917 SH   SOLE   0 0 2,917
APPLE INC COM 037833100   709,937 5,464 SH   SOLE   0 0 5,464
BLACKROCK INC COM 09247X101   2,596,420 3,664 SH   SOLE   0 0 3,664
FIRST TR EXCH TRADED FD III SHRT DUR MNG MUN 33739P830   22,079,348 1,118,508 SH   SOLE   0 0 1,118,508
INVESCO ACTVELY MNGD ETC FD OPTIMUM YIELD 46090F100   390,906 26,448 SH   SOLE   0 0 26,448
INVESCO EXCH TRADED FD TR II PURBTA 0 5 YR 46138E495   234,357 9,609 SH   SOLE   0 0 9,609
INVESCO EXCH TRADED FD TR II S&P SMLCP INDL 46138E123   8,503,327 95,756 SH   SOLE   0 0 95,756
INVESCO EXCH TRADED FD TR II VAR RATE PFD 46138G870   6,662,438 297,563 SH   SOLE   0 0 297,563
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   2,385,415 16,888 SH   SOLE   0 0 16,888
ISHARES INC CORE MSCI EMKT 46434G103   11,217,655 240,207 SH   SOLE   0 0 240,207
ISHARES TR 0-5 YR TIPS ETF 46429B747   16,236,246 167,453 SH   SOLE   0 0 167,453
ISHARES TR 0-5YR HI YL CP 46434V407   6,533,896 159,792 SH   SOLE   0 0 159,792
ISHARES TR CORE 1 5 YR USD 46432F859   10,824,754 233,091 SH   SOLE   0 0 233,091
ISHARES TR CORE DIV GRWTH 46434V621   3,442,377 68,848 SH   SOLE   0 0 68,848
ISHARES TR CORE MSCI EAFE 46432F842   18,193,619 295,159 SH   SOLE   0 0 295,159
ISHARES TR CORE MSCI INTL 46435G326   478,308 8,544 SH   SOLE   0 0 8,544
ISHARES TR CORE S&P MCP ETF 464287507   7,348,119 30,378 SH   SOLE   0 0 30,378
ISHARES TR CORE S&P SCP ETF 464287804   6,926,042 73,183 SH   SOLE   0 0 73,183
ISHARES TR CORE S&P500 ETF 464287200   18,290,746 47,606 SH   SOLE   0 0 47,606
ISHARES TR HDG MSCI EAFE 46434V803   1,244,892 46,107 SH   SOLE   0 0 46,107
ISHARES TR MBS ETF 464288588   10,205,047 110,027 SH   SOLE   0 0 110,027
ISHARES TR MSCI EAFE ETF 464287465   2,045,893 31,168 SH   SOLE   0 0 31,168
ISHARES TR MSCI EMG MKT ETF 464287234   760,441 20,064 SH   SOLE   0 0 20,064
ISHARES TR NATIONAL MUN ETF 464288414   361,446 3,425 SH   SOLE   0 0 3,425
ISHARES TR RUS 1000 ETF 464287622   1,704,857 8,098 SH   SOLE   0 0 8,098
ISHARES TR RUS 1000 GRW ETF 464287614   601,289 2,807 SH   SOLE   0 0 2,807
ISHARES TR RUS 1000 VAL ETF 464287598   642,686 4,238 SH   SOLE   0 0 4,238
ISHARES TR RUS 2000 GRW ETF 464287648   216,891 1,011 SH   SOLE   0 0 1,011
ISHARES TR RUS 2000 VAL ETF 464287630   209,488 1,511 SH   SOLE   0 0 1,511
ISHARES TR RUS MID CAP ETF 464287499   304,989 4,522 SH   SOLE   0 0 4,522
ISHARES TR RUSSELL 2000 ETF 464287655   414,517 2,377 SH   SOLE   0 0 2,377
ISHARES TR S&P 100 ETF 464287101   813,419 4,769 SH   SOLE   0 0 4,769
ISHARES TR S&P 500 GRWT ETF 464287309   8,157,272 139,441 SH   SOLE   0 0 139,441
ISHARES TR S&P 500 VAL ETF 464287408   8,846,202 60,979 SH   SOLE   0 0 60,979
ISHARES TR S&P MC 400GR ETF 464287606   629,409 9,215 SH   SOLE   0 0 9,215
ISHARES TR S&P MC 400VL ETF 464287705   807,813 8,014 SH   SOLE   0 0 8,014
ISHARES TR S&P SML 600 GWT 464287887   345,488 3,197 SH   SOLE   0 0 3,197
ISHARES TR SP SMCP600VL ETF 464287879   356,515 3,904 SH   SOLE   0 0 3,904
PIMCO ETF TR 1-5 US TIP IDX 72201R205   245,931 4,931 SH   SOLE   0 0 4,931
SPDR S&P 500 ETF TR TR UNIT 78462F103   2,832,680 7,407 SH   SOLE   0 0 7,407
SPDR SER TR BLOOMBERG SHT TE 78468R408   255,967 10,560 SH   SOLE   0 0 10,560
SPDR SER TR NUVEEN BLMBRG SH 78468R739   308,369 6,564 SH   SOLE   0 0 6,564
SPDR SER TR S&P DIVID ETF 78464A763   268,012 2,142 SH   SOLE   0 0 2,142
SPDR SER TR SPDR S&P1500VL 78464A128   8,285,801 59,268 SH   SOLE   0 0 59,268
VANGUARD INDEX FDS LARGE CAP ETF 922908637   2,498,594 14,343 SH   SOLE   0 0 14,343
VANGUARD INDEX FDS MID CAP ETF 922908629   3,549,457 17,416 SH   SOLE   0 0 17,416
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   274,045 780 SH   SOLE   0 0 780
VANGUARD INDEX FDS SMALL CP ETF 922908751   3,163,282 17,235 SH   SOLE   0 0 17,235
VANGUARD INDEX FDS TOTAL STK MKT 922908769   265,863 1,391 SH   SOLE   0 0 1,391
VANGUARD INDEX FDS VALUE ETF 922908744   412,828 2,941 SH   SOLE   0 0 2,941
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   3,184,434 81,694 SH   SOLE   0 0 81,694
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718   5,353,103 52,068 SH   SOLE   0 0 52,068
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   232,578 4,979 SH   SOLE   0 0 4,979
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   16,840,323 110,901 SH   SOLE   0 0 110,901
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   6,508,381 155,072 SH   SOLE   0 0 155,072
VANGUARD WORLD FD MEGA CAP VAL ETF 921910840   693,265 6,741 SH   SOLE   0 0 6,741
VANGUARD WORLD FD MEGA GRWTH IND 921910816   360,162 2,093 SH   SOLE   0 0 2,093