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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
CHEVRON CORP NEW COM 166764100   765,029 4,537 SH   SOLE   4,500 0 37
EXXON MOBIL CORP COM 30231G102   786,617 6,690 SH   SOLE   6,500 0 190
FIDELITY COVINGTON TRUST MSCI HLTH CARE I 316092600   242,382 4,001 SH   SOLE   0 0 4,001
FIDELITY COVINGTON TRUST LOW VOLITY ETF 316092824   203,197 4,179 SH   SOLE   0 0 4,179
FIDELITY MERRIMACK STR TR LTD TRM BD ETF 316188200   260,322 5,447 SH   SOLE   0 0 5,447
FLEXSHARES TR HIG YLD VL ETF 33939L662   222,449 5,595 SH   SOLE   0 0 5,595
FLEXSHARES TR CRE SLCT BD FD 33939L670   323,127 15,253 SH   SOLE   0 0 15,253
INVESCO EXCH TRADED FD TR II S&P500 HDL VOL 46138E362   1,372,435 35,020 SH   SOLE   0 0 35,020
INVESCO EXCH TRADED FD TR II S&P 500 REVENUE 46138G698   6,190,018 79,217 SH   SOLE   42,800 0 36,417
INVESCO EXCH TRD SLF IDX FD BULSHS 2025 CB 46138J825   300,764 14,956 SH   SOLE   0 0 14,956
INVESCO QQQ TR UNIT SER 1 46090E103   4,567,611 12,749 SH   SOLE   12,700 0 49
ISHARES INC CORE MSCI EMKT 46434G103   410,359 8,623 SH   SOLE   0 0 8,623
ISHARES TR TRS FLT RT BD 46434V860   571,035 11,254 SH   SOLE   0 0 11,254
ISHARES TR MSCI USA MIN VOL 46429B697   5,193,461 71,733 SH   SOLE   32,400 0 39,333
ISHARES TR US AER DEF ETF 464288760   917,606 8,659 SH   SOLE   0 0 8,659
ISHARES TR U.S. TECH ETF 464287721   1,151,895 10,977 SH   SOLE   0 0 10,977
ISHARES TR 10+ YR INVST GRD 464289511   497,938 10,563 SH   SOLE   0 0 10,563
ISHARES TR 0-5YR HI YL CP 46434V407   641,749 15,641 SH   SOLE   0 0 15,641
ISHARES TR IBONDS 23 TRM TS 46436E882   1,308,014 52,700 SH   SOLE   52,700 0 0
ISHARES TR S&P 500 GRWT ETF 464287309   481,229 7,017 SH   SOLE   0 0 7,017
ISHARES TR ISHS 5-10YR INVT 464288638   3,026,243 62,204 SH   SOLE   0 0 62,204
ISHARES TR IBONDS 24 TRM HG 46435U184   2,946,400 127,000 SH   SOLE   127,000 0 0
ISHARES TR IBONDS 2026 TERM 46436E528   3,602,849 159,913 SH   SOLE   0 0 159,913
ISHARES TR IBONDS DEC23 ETF 46434VAX8   2,936,688 115,800 PRN   SOLE   115,800 0 0
ISHARES TR IBONDS DEC24 ETF 46434VBG4   467,397 18,900 PRN   SOLE   18,900 0 0
ISHARES TR CYBERSECURITY 46435U135   870,326 22,600 SH   SOLE   22,600 0 0
ISHARES TR RUSSELL 2000 ETF 464287655   1,190,944 6,707 SH   SOLE   0 0 6,707
ISHARES TR CORE TOTAL USD 46434V613   1,757,913 40,213 SH   SOLE   0 0 40,213
ISHARES TR MSCI USA QLT FCT 46432F339   974,594 7,366 SH   SOLE   0 0 7,366
ISHARES TR EAFE VALUE ETF 464288877   993,017 20,295 SH   SOLE   0 0 20,295
ISHARES TR 20 YR TR BD ETF 464287432   360,290 4,062 SH   SOLE   0 0 4,062
ISHARES TR ESG AWR MSCI USA 46435G425   378,994 4,019 SH   SOLE   0 0 4,019
ISHARES TR CORE S&P MCP ETF 464287507   226,156 903 SH   SOLE   0 0 903
ISHARES TR MBS ETF 464288588   557,727 6,281 SH   SOLE   0 0 6,281
ISHARES TR EAFE GRWTH ETF 464288885   769,921 8,921 SH   SOLE   0 0 8,921
ISHARES TR CORE S&P500 ETF 464287200   4,124,388 9,561 SH   SOLE   0 0 9,561
J P MORGAN EXCHANGE TRADED F NASDAQ EQT PREM 46654Q203   593,245 12,641 SH   SOLE   0 0 12,641
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332   945,015 17,644 SH   SOLE   0 0 17,644
MCDONALDS CORP COM 580135101   1,211,824 4,600 SH   SOLE   4,600 0 0
MONDELEZ INTL INC CL A 609207105   576,020 8,300 SH   SOLE   8,300 0 0
PALO ALTO NETWORKS INC COM 697435105   1,759,003 7,503 SH   SOLE   7,500 0 3
QUANTA SVCS INC COM 74762E102   869,888 4,650 SH   SOLE   4,500 0 150
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   981,895 13,876 SH   SOLE   0 0 13,876
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854   576,238 12,020 SH   SOLE   0 0 12,020
SELECT SECTOR SPDR TR INDL 81369Y704   3,155,449 31,125 SH   SOLE   23,800 0 7,325
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   1,337,669 8,160 SH   SOLE   8,100 0 60
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   3,762,309 29,224 SH   SOLE   7,900 0 21,324
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308   543,254 7,895 SH   SOLE   0 0 7,895
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   248,998 8,030 SH   SOLE   0 0 8,030
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   228,468 6,806 SH   SOLE   0 0 6,806
SPDR S&P 500 ETF TR TR UNIT 78462F103   450,362 1,050 SH   SOLE   0 0 1,050
SPDR SER TR SSGA US LRG ETF 78468R804   1,415,370 10,600 SH   SOLE   10,600 0 0
SPDR SER TR PORTFOLIO SHORT 78464A474   3,343,418 114,032 SH   SOLE   113,600 0 432
SPDR SER TR PORTFOLIO S&P500 78464A854   4,703,019 93,574 SH   SOLE   93,500 0 74
SPDR SER TR BLOOMBERG 1-3 MO 78468R663   276,789 3,014 SH   SOLE   0 0 3,014
SPDR SER TR BBG CONV SEC ETF 78464A359   449,377 6,628 SH   SOLE   0 0 6,628
SSGA ACTIVE TR SPDR SSGA US SCT 78470P408   308,065 7,465 SH   SOLE   0 0 7,465
UBER TECHNOLOGIES INC COM 90353T100   892,206 19,400 SH   SOLE   19,400 0 0
UNITEDHEALTH GROUP INC COM 91324P102   1,416,774 2,810 SH   SOLE   2,800 0 10
VANGUARD BD INDEX FDS INTERMED TERM 921937819   340,821 4,713 SH   SOLE   0 0 4,713
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   605,384 8,054 SH   SOLE   0 0 8,054
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   368,951 5,287 SH   SOLE   0 0 5,287
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   484,021 10,120 SH   SOLE   0 0 10,120
VANGUARD INDEX FDS VALUE ETF 922908744   499,523 3,622 SH   SOLE   0 0 3,622
VANGUARD INDEX FDS GROWTH ETF 922908736   599,638 2,202 SH   SOLE   0 0 2,202
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538   688,122 3,533 SH   SOLE   3,500 0 33
VANGUARD INDEX FDS TOTAL STK MKT 922908769   4,437,196 20,890 SH   SOLE   18,900 0 1,990
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874   887,431 15,319 SH   SOLE   0 0 15,319
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   258,214 6,585 SH   SOLE   0 0 6,585
VANGUARD SCOTTSDALE FDS LG-TERM COR BD 92206C813   2,390,023 33,371 SH   SOLE   0 0 33,371
VANGUARD STAR FDS VG TL INTL STK F 921909768   267,761 5,003 SH   SOLE   0 0 5,003
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   687,154 15,717 SH   SOLE   0 0 15,717
VANGUARD WELLINGTON FD US MULTIFACTOR 921935607   2,570,443 24,893 SH   SOLE   7,100 0 17,793
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504   2,263,583 9,627 SH   SOLE   8,900 0 727
VANGUARD WORLD FDS INF TECH ETF 92204A702   3,153,404 7,600 SH   SOLE   0 0 7,600
VANGUARD WORLD FDS COMM SRVC ETF 92204A884   1,439,555 13,683 SH   SOLE   13,000 0 683
YUM BRANDS INC COM 988498101   624,700 5,000 SH   SOLE   5,000 0 0