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
3M Company COM 88579Y101 10 70 SH   SOLE None 0 0 70
Abbott Laboratories COM 002824100 11 90 SH   SOLE None 0 0 90
Aberdeen Standard Physical Silver ETF PHYSCL SILVR SHS 003264108 24 987 SH   SOLE None 0 0 987
Accenture PLC A SHS CLASS A G1151C101 82 243 SH   SOLE None 0 0 243
Adobe Inc COM 00724F101 10 22 SH   SOLE None 0 0 22
Advanced Micro COM 007903107 45 415 SH   SOLE None 0 0 415
AirBnB Inc COM CL A 009066101 9 55 SH   SOLE None 0 0 55
Alibaba Group SPONSORED ADS 01609W102 1 10 SH   SOLE None 0 0 10
Allstate Corporation COM 020002101 11 82 SH   SOLE None 0 0 82
Alphabet Inc. Cl A CAP STK CL A 02079K305 348 125 SH   SOLE None 0 0 125
Alphabet Inc. Cl C CAP STK CL C 02079K107 427 153 SH   SOLE None 0 0 153
Amazon.com COM 023135106 1,161 356 SH   SOLE None 0 0 356
American Express Co COM 025816109 11 58 SH   SOLE None 0 0 58
Amgen Inc COM 031162100 2 8 SH   SOLE None 0 0 8
Apple Inc. COM 037833100 1,567 8,973 SH   SOLE None 0 0 8,973
Archer Daniels COM 039483102 20 220 SH   SOLE None 0 0 220
Arrow Electronics COM 042735100 18 154 SH   SOLE None 0 0 154
Asml Holding N V N Y N Y REGISTRY SHS N07059210 3 5 SH   SOLE None 0 0 5
AT&T Inc COM 00206R102 9 394 SH   SOLE None 0 0 394
Axalta Coating COM G0750C108 8 345 SH   SOLE None 0 0 345
Bank of America Corp. COM 060505104 24 583 SH   SOLE None 0 0 583
BCE, Inc. COM NEW 05534B760 10 181 SH   SOLE None 0 0 181
Beachbody Co. Inc. COM CL A 073463101 0 100 SH   SOLE None 0 0 100
Berkshire Hathaway Class B CL B NEW 084670702 124 350 SH   SOLE None 0 0 350
Biogen Inc COM 09062X103 1 5 SH   SOLE None 0 0 5
BlackRock Inc Com COM 09247X101 7 9 SH   SOLE None 0 0 9
Boeing Co. COM 097023105 4 23 SH   SOLE None 0 0 23
Borg Warner Inc Com COM 099724106 7 181 SH   SOLE None 0 0 181
Bristol-Myers Squibb COM 110122108 14 186 SH   SOLE None 0 0 186
Broadridge Financial COM 11133T103 9 60 SH   SOLE None 0 0 60
Canadian Natl RY Co COM 136375102 12 93 SH   SOLE None 0 0 93
Celsius Holdings, Inc. COM NEW 15118V207 1 19 SH   SOLE None 0 0 19
Chevron Corp New Com COM 166764100 19 115 SH   SOLE None 0 0 115
Chubb Limited Com COM H1467J104 29 134 SH   SOLE None 0 0 134
Cisco Systems Inc COM 17275R102 30 545 SH   SOLE None 0 0 545
Citigroup Inc COM NEW 172967424 7 132 SH   SOLE None 0 0 132
Coinbase Global Inc. COM CL A 19260Q107 2,348 12,369 SH   SOLE None 0 0 12,369
Comcast Corp New CL A 20030N101 12 246 SH   SOLE None 0 0 246
Communication Services Select Sector SPDR ETF COMMUNICATION 81369Y852 115 1,667 SH   SOLE None 0 0 1,667
Conocophillips Com COM 20825C104 39 392 SH   SOLE None 0 0 392
Consumer Staples Select Sector SPDR ETF SBI CONS STPLS 81369Y308 48 634 SH   SOLE None 0 0 634
Costco Wholesale COM 22160K105 14 25 SH   SOLE None 0 0 25
CVS Health COM 126650100 12 120 SH   SOLE None 0 0 120
Deere & Company COM 244199105 8 19 SH   SOLE None 0 0 19
Devon Energy Corp COM 25179M103 24 400 SH   SOLE None 0 0 400
DFA Emerging Core Equity Market ETF EMGR CRE EQT MNG 25434V302 1,392 53,042 SH   SOLE None 0 0 53,042
DFA US Core Equity 2 ETF US CORE EQUITY 2 25434V708 464 16,841 SH   SOLE None 0 0 16,841
Dimensional Intl Value ETF INTERNATNAL VAL 25434V807 193 5,775 SH   SOLE None 0 0 5,775
DR Horton Inc. COM 23331A109 22 298 SH   SOLE None 0 0 298
eBay Inc COM 278642103 4 64 SH   SOLE None 0 0 64
Energy Select Sector SPDR ETF ENERGY 81369Y506 46 596 SH   SOLE None 0 0 596
Financial Select Sector SPDR FINANCIAL 81369Y605 206 5,367 SH   SOLE None 0 0 5,367
First Trust NASDAQ Cybersecurity ETF NASDAQ CYB ETF 33734X846 4 75 SH   SOLE None 0 0 75
FlexShares Global Upstream Resources ETF MORNSTAR UPSTR 33939L407 1,909 40,774 SH   SOLE None 0 0 40,774
Ford Motor Co. COM 345370860 385 22,745 SH   SOLE None 0 0 22,745
Generac HLDGS Inc COM 368736104 6 20 SH   SOLE None 0 0 20
General Dynamics COM 369550108 13 53 SH   SOLE None 0 0 53
General Electric Co COM NEW 369604301 1 12 SH   SOLE None 0 0 12
General Motors Company COM 37045V100 137 3,126 SH   SOLE None 0 0 3,126
Global X US Infrastructure Dev ETF US INFR DEV ETF 37954Y673 8 275 SH   SOLE None 0 0 275
Goldman Sachs ActiveBeta US Large Cap ETF ACTIVEBETA US LG 381430503 89 999 SH   SOLE None 0 0 999
GraniteShares Gold Trust ETF SHS BEN INT 38748G101 79 4,111 SH   SOLE None 0 0 4,111
Healthcare Select Sector SPDR SBI HEALTHCARE 81369Y209 221 1,614 SH   SOLE None 0 0 1,614
Home Depot Inc. COM 437076102 55 185 SH   SOLE None 0 0 185
Honeywell COM 438516106 8 43 SH   SOLE None 0 0 43
Industrial Select Sector SPDR ETF SBI INT-INDS 81369Y704 126 1,225 SH   SOLE None 0 0 1,225
Intel Corp Com COM 458140100 10 203 SH   SOLE None 0 0 203
InterContinental Exchange Inc COM 45866F104 30 226 SH   SOLE None 0 0 226
International Business Machines COM 459200101 76 587 SH   SOLE None 0 0 587
Invesco FTSE RAFI US 1500 Small-Mid ETF FTSE RAFI 1500 46137V597 91 500 SH   SOLE None 0 0 500
Invesco S&P 500 Low Volatility ETF S&P500 LOW VOL 46138E354 13 200 SH   SOLE None 0 0 200
Invesco WilderHill Clean Energy ETF WILDERHIL CLAN 46137V134 28 429 SH   SOLE None 0 0 429
IQ Hedge Multi-Strategy Tracker ETF HEDGE MLTI ETF 45409B107 83 2,680 SH   SOLE None 0 0 2,680
iShares Commodities Select Strategy ETF GSCI CMDTY STGY 46431W853 907 22,639 SH   SOLE None 0 0 22,639
iShares Core MSCI EAFE ETF CORE MSCI EAFE 46432F842 254 3,659 SH   SOLE None 0 0 3,659
iShares Core MSCI Emerging Markets ETF CORE MSCI EMKT 46434G103 163 2,941 SH   SOLE None 0 0 2,941
iShares Core MSCI Int'l Developed Markets ETF CORE MSCI INTL 46435G326 557 8,761 SH   SOLE None 0 0 8,761
iShares Core S&P 500 ETF CORE S&P500 ETF 464287200 95 209 SH   SOLE None 0 0 209
iShares Core S&P Mid-Cap ETF CORE S&P MCP ETF 464287507 13 50 SH   SOLE None 0 0 50
iShares Core S&P Small-Cap ETF CORE S&P SCP ETF 464287804 8 75 SH   SOLE None 0 0 75
iShares Core US Aggregate Bond ETF CORE US AGGBD ET 464287226 245 2,287 SH   SOLE None 0 0 2,287
iShares Edge MSCI Min Vol Global ETF MSCI GBL MIN VOL 464286525 344 3,282 SH   SOLE None 0 0 3,282
iShares ESG MSCI EM ETF ESG AWR MSCI EM 46434G863 888 24,181 SH   SOLE None 0 0 24,181
iShares Gold Trust ISHARES NEW 464285204 1,026 27,850 SH   SOLE None 0 0 27,850
iShares MSCI EAFE ETF MSCI EAFE ETF 464287465 10 135 SH   SOLE None 0 0 135
iShares MSCI Emerging Markets ETF MSCI EMG MKT ETF 464287234 5 115 SH   SOLE None 0 0 115
iShares MSCI Emerging Markets Min Vol Factor ETF MSCI EMERG MRKT 464286533 334 5,477 SH   SOLE None 0 0 5,477
iShares MSCI Intl Small-Cap Multifactor ETF MSCI INTL SML CP 46434V266 50 1,467 SH   SOLE None 0 0 1,467
iShares MSCI Japan ETF MSCI JPN ETF NEW 46434G822 72 1,165 SH   SOLE None 0 0 1,165
iShares Nasdaq Biotechnology ETF ISHARES BIOTECH 464287556 3 25 SH   SOLE None 0 0 25
iShares Russell Mid-Cap Growth ETF RUS MD CP GR ETF 464287481 110 1,090 SH   SOLE None 0 0 1,090
iShares Russell Mid-Cap Value ETF RUS MDCP VAL ETF 464287473 131 1,098 SH   SOLE None 0 0 1,098
iShares S&P Small-Cap 600 Growth ETF S&P SML 600 GWT 464287887 61 487 SH   SOLE None 0 0 487
iShares S&P Small-Cap 600 Value SP SMCP600VL ETF 464287879 76 743 SH   SOLE None 0 0 743
iShares TIPS Bond ETF TIPS BD ETF 464287176 60 478 SH   SOLE None 0 0 478
Jacobs Engr Group COM 469814107 12 85 SH   SOLE None 0 0 85
Johnson & Johnson COM 478160104 32 180 SH   SOLE None 0 0 180
JPMorgan BetaBuilders Canada ETF BETABUILDERS CDA 46641Q225 179 2,555 SH   SOLE None 0 0 2,555
JPMorgan Chase & Co. COM 46625H100 39 288 SH   SOLE None 0 0 288
L3 Harris Technologies COM 502431109 9 35 SH   SOLE None 0 0 35
Linde PLC Com SHS G5494J103 10 30 SH   SOLE None 0 0 30
Lowes Companies Inc COM 548661107 13 62 SH   SOLE None 0 0 62
Madden Steven Ltd COM 556269108 13 341 SH   SOLE None 0 0 341
Marsh & McLennan Companies, Inc. COM 571748102 49 289 SH   SOLE None 0 0 289
Mastercard Inc CL A CL A 57636Q104 11 30 SH   SOLE None 0 0 30
Materials Select Sector SPDR ETF SBI MATERIALS 81369Y100 41 465 SH   SOLE None 0 0 465
Medtronic PLC SHS G5960L103 14 122 SH   SOLE None 0 0 122
Merck & Co Inc COM 58933Y105 12 150 SH   SOLE None 0 0 150
Meta Platforms Inc. CL A 30303M102 33 147 SH   SOLE None 0 0 147
Microsoft Corp. COM 594918104 134 435 SH   SOLE None 0 0 435
Mondelez Intl Inc CL A 609207105 15 235 SH   SOLE None 0 0 235
Morgan Stanley Com COM NEW 617446448 33 381 SH   SOLE None 0 0 381
Netflix Inc. COM 64110L106 153 409 SH   SOLE None 0 0 409
Nextera Energy Inc COM 65339F101 11 125 SH   SOLE None 0 0 125
Nike Inc. B CL B 654106103 4 32 SH   SOLE None 0 0 32
Novartis A G SPONSORED ADR 66987V109 10 109 SH   SOLE None 0 0 109
Nvidia Corp COM 67066G104 7 25 SH   SOLE None 0 0 25
Occidental Pete Corp COM 674599105 23 400 SH   SOLE None 0 0 400
Oracle Corp. COM 68389X105 14 166 SH   SOLE None 0 0 166
Packaging Corp Of COM 695156109 11 72 SH   SOLE None 0 0 72
Palo Alto Networks COM 697435105 15 24 SH   SOLE None 0 0 24
Paypal Holdings Inc COM 70450Y103 3 25 SH   SOLE None 0 0 25
Pepsico Inc. COM 713448108 54 322 SH   SOLE None 0 0 322
Petco Health And COM 71601V105 10 520 SH   SOLE None 0 0 520
Pfizer Inc COM 717081103 34 659 SH   SOLE None 0 0 659
PIMCO 15 Year US TIPS ETF 15+ YR US TIPS 72201R304 508 6,158 SH   SOLE None 0 0 6,158
PIMCO Enhanced Short Maturity Active ETF ENHAN SHRT MA AC 72201R833 41 409 SH   SOLE None 0 0 409
Procter And Gamble COM 742718109 1 8 SH   SOLE None 0 0 8
Qualcomm Inc COM 747525103 15 95 SH   SOLE None 0 0 95
Raytheon Technologies COM 75513E101 12 124 SH   SOLE None 0 0 124
Real Estate Select Sector SPDR RL EST SEL SEC 81369Y860 41 845 SH   SOLE None 0 0 845
Rio Tinto ADR Each SPONSORED ADR 767204100 12 137 SH   SOLE None 0 0 137
Rockwell Automation COM 773903109 7 25 SH   SOLE None 0 0 25
RPAR Risk Parity ETF RPAR RISK PARI 886364603 140,534 5,939,710 SH   SOLE None 0 0 5,939,710
S&P Global Inc Com COM 78409V104 12 30 SH   SOLE None 0 0 30
Schlumberger Limited COM STK 806857108 12 290 SH   SOLE None 0 0 290
Schwab US Large Cap ETF US LRG CAP ETF 808524201 215 4,000 SH   SOLE None 0 0 4,000
Schwab US TIPS ETF US TIPS ETF 808524870 6,615 108,967 SH   SOLE None 0 0 108,967
SELECT SECTOR SPDR ETF SBI CONS DISCR 81369Y407 147 795 SH   SOLE None 0 0 795
Sensata Technologies Holding PLC SHS G8060N102 8 158 SH   SOLE None 0 0 158
Shopify Inc. CL A 82509L107 611 904 SH   SOLE None 0 0 904
Signature BK New COM 82669G104 18 60 SH   SOLE None 0 0 60
Skyworks Solutions COM 83088M102 7 51 SH   SOLE None 0 0 51
SPDR Bloomberg Barclays Convert Sec ETF BLOOMBERG CONV 78464A359 81 1,049 SH   SOLE None 0 0 1,049
SPDR Dow Jones Industrial Average ETF UT SER 1 78467X109 17 50 SH   SOLE None 0 0 50
SPDR Gold MiniShares SPDR GLD MINIS 98149E303 3,958 102,873 SH   SOLE None 0 0 102,873
SPDR Gold Shares GOLD SHS 78463V107 38 209 SH   SOLE None 0 0 209
SPDR S&P 500 ETF TR UNIT 78462F103 29 65 SH   SOLE None 0 0 65
SPDR S&P Regional Banking ETF S&P REGL BKG 78464A698 9 125 SH   SOLE None 0 0 125
Starbucks Corp. COM 855244109 8 90 SH   SOLE None 0 0 90
Taiwan Semiconductor SPONSORED ADS 874039100 7 66 SH   SOLE None 0 0 66
Technology Select Sector SPDR ETF TECHNOLOGY 81369Y803 378 2,379 SH   SOLE None 0 0 2,379
Tesla Inc. COM 88160R101 31 29 SH   SOLE None 0 0 29
Texas Instruments COM 882508104 14 77 SH   SOLE None 0 0 77
Thermo Fisher COM 883556102 28 47 SH   SOLE None 0 0 47
Total SA Sponsored ADR SPONSORED ADS 89151E109 40 771 SH   SOLE None 0 0 771
Toyota Motor Corp. ADS 892331307 35 192 SH   SOLE None 0 0 192
Truist Financial Corp COM 89832Q109 10 170 SH   SOLE None 0 0 170
Twist Bioscience Corp COM 90184D100 35 705 SH   SOLE None 0 0 705
UBS Group AG SHS H42097107 14 705 SH   SOLE None 0 0 705
Ulta Beauty Inc COM 90384S303 30 75 SH   SOLE None 0 0 75
Unilever PLC Spon SPON ADR NEW 904767704 13 276 SH   SOLE None 0 0 276
United Parcel SVC CL B 911312106 3 12 SH   SOLE None 0 0 12
UnitedHealth Group Inc. COM 91324P102 247 484 SH   SOLE None 0 0 484
UPAR Ultra Risk Parity ETF UPAR ULTRA RISK 886364595 13,743 733,748 SH   SOLE None 0 0 733,748
USD PSHS ULT SEMICDT 74347R669 21,518 21,518,021 SH   SOLE None 0 0 21,518,021
Utilities Select Sector SPDR ETF SBI INT-UTILS 81369Y886 35 476 SH   SOLE None 0 0 476
Vanguard Dividend Appreciation ETF DIV APP ETF 921908844 7,943 48,985 SH   SOLE None 0 0 48,985
Vanguard ESG International Stock ETF ESG INTL STK ETF 921910725 609 10,652 SH   SOLE None 0 0 10,652
Vanguard ESG US Stock ETF ESG US STK ETF 921910733 1,601 19,745 SH   SOLE None 0 0 19,745
Vanguard Extended Duration Treasury ETF EXTENDED DUR 921910709 894 7,341 SH   SOLE None 0 0 7,341
Vanguard FTSE Developed Markets ETF FTSE DEV MKT ETF 921943858 4,629 96,366 SH   SOLE None 0 0 96,366
Vanguard FTSE Emerging Markets ETF FTSE EMR MKT ETF 922042858 4,006 86,831 SH   SOLE None 0 0 86,831
Vanguard FTSE Europe FTSE EUROPE ETF 922042874 120 1,925 SH   SOLE None 0 0 1,925
Vanguard FTSE Pacific FTSE PACIFIC ETF 922042866 121 1,633 SH   SOLE None 0 0 1,633
Vanguard Information Technology ETF INF TECH ETF 92204A702 8 20 SH   SOLE None 0 0 20
Vanguard Intermediate-Term Treasury ETF INTER TERM TREAS 92206C706 106 1,682 SH   SOLE None 0 0 1,682
Vanguard Mid Cap Index ETF MID CAP ETF 922908629 31 130 SH   SOLE None 0 0 130
Vanguard Real Estate Index Fund ETF REAL ESTATE ETF 922908553 973 8,980 SH   SOLE None 0 0 8,980
Vanguard Short-Term Corporate Bond ETF SHRT TRM CORP BD 92206C409 188 2,406 SH   SOLE None 0 0 2,406
Vanguard Small-Cap ETF SMALL CP ETF 922908751 94 440 SH   SOLE None 0 0 440
Vanguard Total Stock Market ETF TOTAL STK MKT 922908769 9,641 42,346 SH   SOLE None 0 0 42,346
Vanguard Value Index ETF VALUE ETF 922908744 201 1,359 SH   SOLE None 0 0 1,359
Visa Inc A COM CL A 92826C839 94 424 SH   SOLE None 0 0 424
WalMart Inc COM 931142103 15 100 SH   SOLE None 0 0 100
Walt Disney Co COM 254687106 45 331 SH   SOLE None 0 0 331
Xtrackers MSCI EAFE Hedged Equity XTRACK MSCI EAFE 233051200 47 1,234 SH   SOLE None 0 0 1,234
Zillow Group Inc. Cl C CL C CAP STK 98954M200 2 50 SH   SOLE None 0 0 50