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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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
AT&T INC COM 00206R102   176,883 11,090 SH   SOLE   0 0 11,090
ABRDN ASIA PACIFIC INCOME FU COM 003009107   131,089 48,551 SH   SOLE   0 0 48,551
ABRDN INCOME CREDIT STRATEGI COM 003057106   269,661 39,424 SH   SOLE   0 0 39,424
ADVENT CONV & INCOME FD COM 00764C109   130,443 11,130 SH   SOLE   0 0 11,130
ALLIANCEBERNSTEIN NATL MUN I COM 01864U106   571,759 53,286 SH   SOLE   0 0 53,286
APOLLO SR FLOATING RATE FD I COM 037636107   149,400 11,572 SH   SOLE   0 0 11,572
APPLE INC COM 037833100   4,286,232 22,097 SH   SOLE   0 0 22,097
BNY MELLON STRATEGIC MUNS IN COM 05588W108   321,633 51,710 SH   SOLE   0 0 51,710
BNY MELLON MUN INCOME INC COM 05589T104   227,156 36,114 SH   SOLE   0 0 36,114
BLACKROCK FLOATING RATE INC COM 091941104   1,266,485 108,618 SH   SOLE   0 0 108,618
BLACKROCK INVT QUALITY MUN T COM 09247D105   232,230 19,968 SH   SOLE   0 0 19,968
BLACKROCK INCOME TR INC COM NEW 09247F209   4,072,039 334,596 SH   SOLE   0 0 334,596
BLACKROCK CALIF MUN INCOME T SH BEN INT 09248E102   938,259 79,111 SH   SOLE   0 0 79,111
BLACKROCK MUN INCOME TR SH BEN INT 09248F109   1,060,272 106,667 SH   SOLE   0 0 106,667
BLACKROCK TAX MUNICPAL BD TR SHS 09248X100   245,868 14,820 SH   SOLE   0 0 14,820
BLACKROCK CORE BD TR SHS BEN INT 09249E101   687,441 64,609 SH   SOLE   0 0 64,609
BLACKROCK MUNI INCOME TR II COM 09249N101   947,463 91,015 SH   SOLE   0 0 91,015
BLACKROCK CR ALLOCATION INCO COM 092508100   132,262 13,031 SH   SOLE   0 0 13,031
BLACKROCK LONG-TERM MUN ADVA COM 09250B103   467,194 48,314 SH   SOLE   0 0 48,314
BLACKROCK MUNIHOLDINGS FD IN COM 09253N104   2,349,881 202,053 SH   SOLE   0 0 202,053
BLACKROCK MUNIVEST FD INC COM 09253R105   1,121,944 166,708 SH   SOLE   0 0 166,708
BLACKROCK MUNIVEST FD II INC COM 09253T101   601,392 56,575 SH   SOLE   0 0 56,575
BLACKROCK MUNICIPAL INCOME COM 09253X102   1,223,347 106,936 SH   SOLE   0 0 106,936
BLACKROCK MUNIHOLDINGS QUALI COM 09254C107   169,216 17,427 SH   SOLE   0 0 17,427
BLACKROCK MUNIYIELD QUALITY COM 09254E103   2,426,716 221,821 SH   SOLE   0 0 221,821
BLACKROCK MUNIYILD QULT FD I COM 09254F100   2,341,656 202,390 SH   SOLE   0 0 202,390
BLACKROCK MUNIYIELD QUALITY COM 09254G108   162,246 16,128 SH   SOLE   0 0 16,128
BLACKROCK MUNIASSETS FD INC COM 09254J102   864,964 84,967 SH   SOLE   0 0 84,967
BLACKROCK MUNIHLDNGS CALI QL COM 09254L107   853,492 78,663 SH   SOLE   0 0 78,663
BLACKROCK MUNIYIELD MICH QU COM 09254V105   586,116 53,042 SH   SOLE   0 0 53,042
BLACKROCK MUNIHLDGS NJ QLTY COM 09254X101   573,906 51,379 SH   SOLE   0 0 51,379
BLACKROCK MUNIHLDGS NY QLTY COM 09255C106   137,244 13,096 SH   SOLE   0 0 13,096
BLACKROCK ENHANCED GOVT FD I COM 09255K108   117,721 12,327 SH   SOLE   0 0 12,327
BLACKROCK CORPOR HI YLD FD I COM 09255P107   743,557 83,358 SH   SOLE   0 0 83,358
BLACKROCK DEBT STRATEGIES FD COM NEW 09255R202   547,155 55,889 SH   SOLE   0 0 55,889
BLACKROCK FLOATING RATE INCO COM 09255X100   835,057 68,391 SH   SOLE   0 0 68,391
BLACKROCK MUN TARGET TERM TR COM SHS BEN IN 09257P105   202,274 9,734 SH   SOLE   0 0 9,734
BLACKSTONE STRATEGIC CRED 20 COM SHS BEN IN 09257R101   122,055 11,167 SH   SOLE   0 0 11,167
BNY MELLON HIGH YIELD STRATE SH BEN INT 09660L105   57,727 26,003 SH   SOLE   0 0 26,003
BNY MELLON MUN BD INFRASTRUC COM SHS 09662W109   155,356 14,425 SH   SOLE   0 0 14,425
CALAMOS CONV OPPORTUNITIES & SH BEN INT 128117108   154,373 13,783 SH   SOLE   0 0 13,783
CALAMOS CONV & HIGH INCOME F COM SHS 12811P108   200,259 17,833 SH   SOLE   0 0 17,833
COMMUNITY BK SYS INC COM 203607106   228,541 4,875 SH   SOLE   0 0 4,875
CREDIT SUISSE HIGH YIELD BD SH BEN INT 22544F103   47,936 25,363 SH   SOLE   0 0 25,363
DTF TAX-FREE INCOME 2028 TER COM 23334J107   152,796 14,187 SH   SOLE   0 0 14,187
DWS MUN INCOME TR COM 233368109   1,292,521 150,119 SH   SOLE   0 0 150,119
DWS STRATEGIC MUN INCOME TR COM 23342Q101   283,955 33,466 SH   SOLE   0 0 33,466
DELAWARE INVTS NATL MUN INCO SH BEN INT 24610T108   254,150 25,314 SH   SOLE   0 0 25,314
DIMENSIONAL ETF TRUST US CORE EQT MKT 25434V104   2,125,413 68,584 SH   SOLE   0 0 68,584
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203   638,381 23,367 SH   SOLE   0 0 23,367
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609   1,163,394 25,079 SH   SOLE   0 0 25,079
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   7,340,809 270,380 SH   SOLE   0 0 270,380
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724   2,471,516 71,638 SH   SOLE   0 0 71,638
DIMENSIONAL ETF TRUST US SMALL CAP VAL 25434V815   716,497 27,879 SH   SOLE   0 0 27,879
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880   1,717,610 73,686 SH   SOLE   0 0 73,686
DOUBLELINE OPPORTUNISTIC CR COM 258623107   219,738 15,144 SH   SOLE   0 0 15,144
EATON VANCE CALIF MUN INCOM SH BEN INT 27826F101   203,215 20,352 SH   SOLE   0 0 20,352
EATON VANCE SR INCOME TR SH BEN INT 27826S103   108,093 19,797 SH   SOLE   0 0 19,797
EATON VANCE MUNI INCOME TRUS SH BEN INT 27826U108   4,279,793 430,130 SH   SOLE   0 0 430,130
EATON VANCE FLTING RATE INC COM 278279104   380,040 32,538 SH   SOLE   0 0 32,538
EATON VANCE MUN BD FD COM 27827X101   1,594,484 160,250 SH   SOLE   0 0 160,250
EATON VANCE NEW YORK MUN BD COM 27827Y109   574,805 61,149 SH   SOLE   0 0 61,149
EATON VANCE CALIF MUN BD FD COM 27828A100   262,138 29,454 SH   SOLE   0 0 29,454
EATON VANCE LTD DURATION INC COM 27828H105   933,779 99,763 SH   SOLE   0 0 99,763
EATON VANCE SHORT DURATION D COM 27828V104   272,183 27,745 SH   SOLE   0 0 27,745
EATON VANCE NATL MUN OPPORT COM SHS 27829L105   1,568,972 90,379 SH   SOLE   0 0 90,379
EATON VANCE MUN INCOME 2028 SHS 27829U105   362,097 20,597 SH   SOLE   0 0 20,597
EVERSOURCE ENERGY COM 30040W108   276,133 3,894 SH   SOLE   0 0 3,894
EXXON MOBIL CORP COM 30231G102   1,804,585 16,826 SH   SOLE   0 0 16,826
HANCOCK JOHN INCOME SECS TR COM 410123103   263,915 24,505 SH   SOLE   0 0 24,505
HIGH INCOME SECS FD SHS BEN INT 42968F108   195,083 30,105 SH   SOLE   0 0 30,105
HIGHLAND OPPORTUNITIES HIGHLAND INCOME 43010E404   279,830 30,989 SH   SOLE   0 0 30,989
INVESCO HIGH INCOME TR II COM 46131F101   787,791 75,028 SH   SOLE   0 0 75,028
INVESCO SR INCOME TR COM 46131H107   226,657 58,872 SH   SOLE   0 0 58,872
INVESCO MUNICIPAL TRUST COM 46131J103   335,148 35,541 SH   SOLE   0 0 35,541
INVESCO TR INVT GRADE MUNS COM 46131M106   362,766 37,360 SH   SOLE   0 0 37,360
INVESCO MUN OPPORTUNITY TR COM 46132C107   492,500 52,061 SH   SOLE   0 0 52,061
INVESCO ADVANTAGE MUN INCOME SH BEN INT 46132E103   819,543 97,449 SH   SOLE   0 0 97,449
INVESCO BD FD COM 46132L107   291,117 19,564 SH   SOLE   0 0 19,564
INVESCO MUNI INCOME OPP TRST COM 46132X101   443,955 71,147 SH   SOLE   0 0 71,147
INVESCO QUALITY MUN INCOME T COM 46133G107   141,435 14,794 SH   SOLE   0 0 14,794
INVESCO EXCHANGE TRADED FD T S&P500 EQL TEC 46137V282   918,086 3,122 SH   SOLE   0 0 3,122
ISHARES TR DOW JONES US ETF 464287846   251,431 2,321 SH   SOLE   0 0 2,321
ISHARES TR PFD AND INCM SEC 464288687   329,135 10,641 SH   SOLE   0 0 10,641
MFS MUN INCOME TR SH BEN INT 552738106   512,866 100,562 SH   SOLE   0 0 100,562
MFS INTER INCOME TR SH BEN INT 55273C107   138,735 50,633 SH   SOLE   0 0 50,633
MFS INVT GRADE MUN TR SH BEN INT 59318B108   456,609 62,081 SH   SOLE   0 0 62,081
MFS HIGH INCOME MUN TR SH BEN INT 59318D104   472,575 135,797 SH   SOLE   0 0 135,797
MFS HIGH YIELD MUN TR SH BEN INT 59318E102   488,231 151,625 SH   SOLE   0 0 151,625
NEUBERGER BRMAN CLIFRN MUNI COM 64123C101   1,657,915 155,673 SH   SOLE   0 0 155,673
NEUBERGER BERMAN MUN FD INC COM 64124P101   216,661 21,076 SH   SOLE   0 0 21,076
NEUBERGER BERMAN HIGH YIELD COM 64128C106   436,376 58,261 SH   SOLE   0 0 58,261
NUVEEN MASSACHUSETS QLT MUN COM 67061E104   480,748 46,049 SH   SOLE   0 0 46,049
NUVEEN CALIFORNIA MUNI VLU F COM STK 67062C107   720,332 84,249 SH   SOLE   0 0 84,249
NUVEEN SELECT TAX-FREE INCOM SH BEN INT 67062F100   1,467,051 101,808 SH   SOLE   0 0 101,808
NUVEEN N Y MUN VALUE FD COM 67062M105   265,398 31,408 SH   SOLE   0 0 31,408
NUVEEN MUN CR OPPORTUNITIES COM 670663103   414,615 38,319 SH   SOLE   0 0 38,319
NUVEEN QUALITY MUNCP INCOME COM 67066V101   401,772 35,650 SH   SOLE   0 0 35,650
NUVEEN CA QUALTY MUN INCOME COM 67066Y105   130,996 11,996 SH   SOLE   0 0 11,996
NUVEEN AMT-FREE MUN VALUE FD COM 670695105   478,558 34,855 SH   SOLE   0 0 34,855
NUVEEN FLOATING RATE INCOME COM SHS 6706EN100   98,795 12,666 SH   SOLE   0 0 12,666
NUVEEN MUNICIPAL CREDIT INC COM SH BEN INT 67070X101   130,720 11,211 SH   SOLE   0 0 11,211
NUVEEN AMT FREE MUN CR INC F COM 67071L106   2,196,483 187,734 SH   SOLE   0 0 187,734
NUVEEN PFD & INCOME SECS FD COM 67072C105   291,707 45,722 SH   SOLE   0 0 45,722
NUVEEN FLOATING RATE INCOME COM 67072T108   873,847 110,754 SH   SOLE   0 0 110,754
NUVEEN PFD & INCOME OPPORTUN COM 67073B106   407,916 62,950 SH   SOLE   0 0 62,950
NUVEEN REAL ASSET INCOME & G COM 67074Y105   138,159 12,098 SH   SOLE   0 0 12,098
NUVEEN MUN VALUE FD INC COM 670928100   375,169 43,123 SH   SOLE   0 0 43,123
PGIM GLOBAL HIGH YIELD FD FO COM 69346J106   430,411 39,235 SH   SOLE   0 0 39,235
PIMCO CALIF MUN INCOME FD COM 72200N106   536,334 54,728 SH   SOLE   0 0 54,728
PIMCO MUN INCOME FD COM 72200R107   218,889 21,293 SH   SOLE   0 0 21,293
PIMCO NEW YORK MUN INCOME FD COM 72200T103   405,782 47,294 SH   SOLE   0 0 47,294
PIMCO NEW YORK MUN FD II COM 72200Y102   469,083 61,803 SH   SOLE   0 0 61,803
PIMCO MUN INCOME FD III COM 72201A103   350,518 43,543 SH   SOLE   0 0 43,543
PIMCO CALIF MUN INCOME FD II COM 72201C109   81,158 10,540 SH   SOLE   0 0 10,540
PIMCO NEW YORK MUN INCOME FD COM 72201E105   79,224 12,595 SH   SOLE   0 0 12,595
PIMCO DYNAMIC INCOME FD SHS 72201Y101   321,109 17,126 SH   SOLE   0 0 17,126
PIONEER FLOATING RATE FUND I COM 72369J102   273,926 31,558 SH   SOLE   0 0 31,558
PIONEER MUNICIPAL HIGH INCOM COM 723762100   244,951 31,006 SH   SOLE   0 0 31,006
PUTNAM MANAGED MUN INCOME TR COM 746823103   595,328 97,755 SH   SOLE   0 0 97,755
PUTNAM MASTER INTER INCOME T SH BEN INT 746909100   40,410 12,788 SH   SOLE   0 0 12,788
PUTNAM MUN OPPORTUNITIES TR SH BEN INT 746922103   4,964,245 486,214 SH   SOLE   0 0 486,214
RIVERNORTH MANAGED DUR MUN I COM 76882H105   164,218 10,847 SH   SOLE   0 0 10,847
SPDR SER TR S&P BIOTECH 78464A870   552,791 6,644 SH   SOLE   0 0 6,644
VIRTUS STONE HBR EMG MKTS TO COM 86164W100   52,827 10,218 SH   SOLE   0 0 10,218
TEMPLETON GLOBAL INCOME FD COM 880198106   201,825 48,750 SH   SOLE   0 0 48,750
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   648,339 3,991 SH   SOLE   0 0 3,991
VANGUARD STAR FDS VG TL INTL STK F 921909768   631,912 11,268 SH   SOLE   0 0 11,268
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   223,192 2,301 SH   SOLE   0 0 2,301
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   207,421 5,099 SH   SOLE   0 0 5,099
VANGUARD INDEX FDS SM CP VAL ETF 922908611   261,667 1,582 SH   SOLE   0 0 1,582
VANGUARD INDEX FDS TOTAL STK MKT 922908769   677,559 3,076 SH   SOLE   0 0 3,076
VERTICAL CAP INCOME FD SHS BEN INT 92535C104   207,392 20,854 SH   SOLE   0 0 20,854
VIRTUS CONVERTIBLE & INCOME COM 92838X102   125,990 36,204 SH   SOLE   0 0 36,204
WESTERN ASSET PREMIER BD FD SHS BEN INT 957664105   237,987 23,355 SH   SOLE   0 0 23,355
WESTERN ASSET HIGH INCOME OP COM 95766K109   104,302 27,593 SH   SOLE   0 0 27,593
WESTERN ASSET MANAGED MUNS F COM 95766M105   287,336 28,936 SH   SOLE   0 0 28,936
WESTERN ASSET MUN HIGH INCOM COM 95766N103   454,703 69,420 SH   SOLE   0 0 69,420
WESTERN ASSET MUN PARTNERS F COM 95766P108   805,014 68,795 SH   SOLE   0 0 68,795
WESTERN ASST INFLTN LKD INM COM SH BEN INT 95766Q106   101,579 12,298 SH   SOLE   0 0 12,298
WESTERN ASSET INTER MUNI FD COM 958435109   173,332 22,747 SH   SOLE   0 0 22,747