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
AT&T INC COM 00206R102   225,000 14,980 SH   SOLE 0 0 0 14,980
BONDBLOXX ETF TRUST BLOOMBERG ONE YR 09789C861   1,265,827 25,454 SH   SOLE 0 0 0 25,454
CION INVT CORP COM 17259U204   204,788 19,374 SH   SOLE 0 0 0 19,374
DBX ETF TR XTRACKERS HIGH 233051259   214,098 5,471 SH   SOLE 0 0 0 5,471
FIRST TR EXCH TRADED FD III SHRT DUR MNG MUN 33739P830   1,426,465 73,586 SH   SOLE 0 0 0 73,586
FIRST TR EXCHNG TRADED FD VI CBOE VEST US EQT 33740F722   493,696 12,178 SH   SOLE 0 0 0 12,178
FIRST TR EXCHNG TRADED FD VI FT CBOE VEST US 33740U307   490,605 13,231 SH   SOLE 0 0 0 13,231
FRANKLIN TEMPLETON ETF TR FTSE JAPAN ETF 35473P744   358,636 13,559 SH   SOLE 0 0 0 13,559
GLOBAL X FDS SUPERDIVIDEND 37960A669   396,339 18,089 SH   SOLE 0 0 0 18,089
INDEXIQ ACTIVE ETF TR IQ MACKAY INTRME 45409F827   852,651 36,283 SH   SOLE 0 0 0 36,283
INVESCO EXCHANGE TRADED FD T S&P MDCP QUALITY 46137V472   1,315,218 16,330 SH   SOLE 0 0 0 16,330
ISHARES INC CORE MSCI EMKT 46434G103   4,229,990 88,884 SH   SOLE 0 0 0 88,884
ISHARES TR CORE MSCI TOTAL 46432F834   5,416,797 90,295 SH   SOLE 0 0 0 90,295
ISHARES TR CORE MSCI EAFE 46432F842   3,104,823 48,249 SH   SOLE 0 0 0 48,249
ISHARES TR MSCI USA MIN VOL 46429B697   2,190,219 30,260 SH   SOLE 0 0 0 30,260
ISHARES TR US TREAS BD ETF 46429B267   1,947,565 88,365 SH   SOLE 0 0 0 88,365
ISHARES TR BROAD USD HIGH 46435U853   523,982 15,096 SH   SOLE 0 0 0 15,096
ISHARES TR TRS FLT RT BD 46434V860   1,702,784 33,559 SH   SOLE 0 0 0 33,559
ISHARES TR CORE TOTAL USD 46434V613   7,170,659 164,032 SH   SOLE 0 0 0 164,032
ISHARES TR IBONDS DEC23 ETF 46434VAX8   314,515 12,402 SH   SOLE 0 0 0 12,402
ISHARES TR IBONDS DEC25 ETF 46434VBD1   304,698 12,503 SH   SOLE 0 0 0 12,503
ISHARES TR IBONDS DEC24 ETF 46434VBG4   787,527 31,845 SH   SOLE 0 0 0 31,845
ISHARES TR CONV BD ETF 46435G102   211,424 2,849 SH   SOLE 0 0 0 2,849
ISHARES TR ESG AWR MSCI USA 46435G425   4,599,900 48,982 SH   SOLE 0 0 0 48,982
ISHARES TR SHRT NAT MUN ETF 464288158   1,444,566 14,044 SH   SOLE 0 0 0 14,044
ISHARES TR MBS ETF 464288588   4,504,913 50,731 SH   SOLE 0 0 0 50,731
ISHARES TR NATIONAL MUN ETF 464288414   733,058 7,149 SH   SOLE 0 0 0 7,149
ISHARES TR JPMORGAN USD EMG 464288281   1,077,794 13,061 SH   SOLE 0 0 0 13,061
ISHARES TR SHORT TREAS BD 464288679   1,414,679 12,806 SH   SOLE 0 0 0 12,806
ISHARES TR USD INV GRDE ETF 464288620   2,177,427 45,297 SH   SOLE 0 0 0 45,297
ISHARES TR ISHS 1-5YR INVS 464288646   391,614 7,859 SH   SOLE 0 0 0 7,859
ISHARES TR 10-20 YR TRS ETF 464288653   1,061,507 10,780 SH   SOLE 0 0 0 10,780
ISHARES TR EAFE VALUE ETF 464288877   8,295,054 169,529 SH   SOLE 0 0 0 169,529
ISHARES TR EAFE GRWTH ETF 464288885   6,407,085 74,242 SH   SOLE 0 0 0 74,242
ISHARES TR MSCI UK ETF NEW 46435G334   288,525 9,119 SH   SOLE 0 0 0 9,119
ISHARES TR 1 3 YR TREAS BD 464287457   257,323 3,178 SH   SOLE 0 0 0 3,178
ISHARES TR 20 YR TR BD ETF 464287432   1,456,112 16,418 SH   SOLE 0 0 0 16,418
ISHARES TR IBOXX INV CP ETF 464287242   577,127 5,657 SH   SOLE 0 0 0 5,657
ISHARES TR CORE US AGGBD ET 464287226   379,545 4,036 SH   SOLE 0 0 0 4,036
ISHARES TR TIPS BD ETF 464287176   530,217 5,112 SH   SOLE 0 0 0 5,112
ISHARES TR CORE S&P MCP ETF 464287507   1,483,134 5,948 SH   SOLE 0 0 0 5,948
ISHARES TR CORE S&P SCP ETF 464287804   1,160,542 12,303 SH   SOLE 0 0 0 12,303
ISHARES TR CORE S&P500 ETF 464287200   51,336,209 119,545 SH   SOLE 0 0 0 119,545
ISHARES TR S&P 500 GRWT ETF 464287309   2,111,441 30,860 SH   SOLE 0 0 0 30,860
ISHARES TR RUSSELL 2000 ETF 464287655   18,400,225 104,109 SH   SOLE 0 0 0 104,109
ISHARES TR CORE S&P US VLU 464287663   617,704 8,278 SH   SOLE 0 0 0 8,278
ISHARES TR U.S. TECH ETF 464287721   2,129,037 20,292 SH   SOLE 0 0 0 20,292
ISHARES TR BB RAT CORP BD 46435U473   887,130 20,268 SH   SOLE 0 0 0 20,268
ISHARES TR MSCI CHINA ETF 46429B671   230,346 5,321 SH   SOLE 0 0 0 5,321
ISHARES TR MSCI USA QLT FCT 46432F339   7,456,283 56,577 SH   SOLE 0 0 0 56,577
ISHARES TR US INFRASTRUC 46435U713   1,078,417 29,473 SH   SOLE 0 0 0 29,473
J P MORGAN EXCHANGE TRADED F BETABULDRS JAPAN 46641Q217   307,368 6,118 SH   SOLE 0 0 0 6,118
J P MORGAN EXCHANGE TRADED F MUNICIPAL ETF 46641Q647   467,835 9,672 SH   SOLE 0 0 0 9,672
J P MORGAN EXCHANGE TRADED F NASDAQ EQT PREM 46654Q203   496,712 10,584 SH   SOLE 0 0 0 10,584
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   629,809 12,551 SH   SOLE 0 0 0 12,551
LOCKHEED MARTIN CORP COM 539830109   787,248 1,925 SH   SOLE 0 0 0 1,925
PACER FDS TR PACER US SMALL 69374H857   835,626 20,039 SH   SOLE 0 0 0 20,039
PGIM ETF TR PGIM ULTRA SH BD 69344A107   985,890 19,921 SH   SOLE 0 0 0 19,921
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   292,272 6,608 SH   SOLE 0 0 0 6,608
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886   268,485 4,556 SH   SOLE 0 0 0 4,556
SELECT SECTOR SPDR TR ENERGY 81369Y506   338,782 3,748 SH   SOLE 0 0 0 3,748
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   349,579 10,539 SH   SOLE 0 0 0 10,539
SELECT SECTOR SPDR TR INDL 81369Y704   374,396 3,693 SH   SOLE 0 0 0 3,693
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   1,292,096 7,882 SH   SOLE 0 0 0 7,882
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308   519,722 7,553 SH   SOLE 0 0 0 7,553
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   1,002,885 7,790 SH   SOLE 0 0 0 7,790
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407   545,078 3,386 SH   SOLE 0 0 0 3,386
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852   579,967 8,845 SH   SOLE 0 0 0 8,845
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   1,984,175 63,985 SH   SOLE 0 0 0 63,985
SPDR S&P 500 ETF TR TR UNIT 78462F103   507,419 1,187 SH   SOLE 0 0 0 1,187
SPDR SER TR S&P 600 SMCP VAL 78464A300   252,137 3,484 SH   SOLE 0 0 0 3,484
SPDR SER TR S&P 600 SMCP GRW 78464A201   429,435 5,861 SH   SOLE 0 0 0 5,861
SPDR SER TR PRTFLO S&P500 GW 78464A409   285,374 4,814 SH   SOLE 0 0 0 4,814
SPDR SER TR PRTFLO S&P500 VL 78464A508   513,563 12,447 SH   SOLE 0 0 0 12,447
SPDR SER TR PORTFOLIO SHORT 78464A474   570,069 19,443 SH   SOLE 0 0 0 19,443
SPDR SER TR BLOOMBERG 1-3 MO 78468R663   301,721 3,286 SH   SOLE 0 0 0 3,286
SPDR SER TR PORTFOLIO S&P500 78464A854   331,465 6,595 SH   SOLE 0 0 0 6,595
SPDR SER TR S&P 400 MDCP VAL 78464A839   2,060,408 31,767 SH   SOLE 0 0 0 31,767
SPDR SER TR S&P METALS MNG 78464A755   228,165 4,346 SH   SOLE 0 0 0 4,346
SPDR SER TR S&P 400 MDCP GRW 78464A821   1,669,385 24,145 SH   SOLE 0 0 0 24,145
SPDR SER TR PORTFOLIO S&P600 78468R853   204,758 5,549 SH   SOLE 0 0 0 5,549
VANECK ETF TRUST MRNGSTR WDE MOAT 92189F643   349,016 4,602 SH   SOLE 0 0 0 4,602
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   243,951 3,496 SH   SOLE 0 0 0 3,496
VANGUARD INDEX FDS VALUE ETF 922908744   402,342 2,917 SH   SOLE 0 0 0 2,917
VANGUARD INDEX FDS MID CAP ETF 922908629   896,890 4,307 SH   SOLE 0 0 0 4,307
VANGUARD INDEX FDS GROWTH ETF 922908736   888,820 3,264 SH   SOLE 0 0 0 3,264
VANGUARD INDEX FDS TOTAL STK MKT 922908769   4,363,326 20,542 SH   SOLE 0 0 0 20,542
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   1,002,170 2,552 SH   SOLE 0 0 0 2,552
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   627,360 16,000 SH   SOLE 0 0 0 16,000
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   292,675 3,852 SH   SOLE 0 0 0 3,852
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   1,816,129 41,540 SH   SOLE 0 0 0 41,540
VANGUARD WORLD FDS COMM SRVC ETF 92204A884   248,880 2,366 SH   SOLE 0 0 0 2,366
VANGUARD WORLD FDS FINANCIALS ETF 92204A405   297,666 3,706 SH   SOLE 0 0 0 3,706
VICTORY PORTFOLIOS II SHORT TRM BD ETF 92647N535   908,053 18,562 SH   SOLE 0 0 0 18,562
WORLD GOLD TR SPDR GLD MINIS 98149E303   1,105,996 30,169 SH   SOLE 0 0 0 30,169