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
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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
SPDR S&P 500 ETF TR TR UNIT 78462F103   24,552,139 51,655 SH   SOLE   51,655 0 0
ISHARES TR MBS ETF 464288588   10,400,945 110,554 SH   SOLE   110,554 0 0
ISHARES TR MSCI USA QLT FCT 46432F339   9,994,337 67,924 SH   SOLE   67,924 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   9,332,360 21,365 SH   SOLE   21,365 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   8,785,912 188,458 SH   SOLE   188,458 0 0
ISHARES TR US TREAS BD ETF 46429B267   7,829,983 339,843 SH   SOLE   339,843 0 0
VANGUARD INDEX FDS VALUE ETF 922908744   7,235,208 48,396 SH   SOLE   48,396 0 0
ISHARES TR CORE US AGGBD ET 464287226   7,212,350 72,669 SH   SOLE   72,669 0 0
ISHARES TR CORE S&P500 ETF 464287200   6,745,601 14,123 SH   SOLE   14,123 0 0
SPDR SER TR PORTFLI INTRMDIT 78464A672   6,329,008 221,604 SH   SOLE   221,604 0 0
ISHARES TR CORE MSCI EAFE 46432F842   4,800,852 68,242 SH   SOLE   68,242 0 0
ISHARES TR EAFE VALUE ETF 464288877   4,742,246 91,022 SH   SOLE   91,022 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751   4,612,291 21,620 SH   SOLE   21,620 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629   4,167,009 17,912 SH   SOLE   17,912 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   4,071,109 54,051 SH   SOLE   54,051 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   3,738,509 45,064 SH   SOLE   45,064 0 0
SCHWAB STRATEGIC TR LONG TERM US 808524680   3,706,062 105,646 SH   SOLE   105,646 0 0
SPDR SER TR PRTFLO S&P500 GW 78464A409   3,454,568 53,098 SH   SOLE   53,098 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   3,074,753 18,044 SH   SOLE   18,044 0 0
ISHARES INC MSCI EMERG MRKT 464286533   2,804,571 50,451 SH   SOLE   50,451 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   2,801,606 36,210 SH   SOLE   36,210 0 0
INVESCO EXCHANGE TRADED FD T S&P500 PUR GWT 46137V266   2,664,561 82,596 SH   SOLE   82,596 0 0
VANGUARD SCOTTSDALE FDS VNG RUS2000IDX 92206C664   2,653,458 32,718 SH   SOLE   32,718 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   2,324,919 45,542 SH   SOLE   45,542 0 0
ISHARES TR CORE DIV GRWTH 46434V621   2,264,423 42,074 SH   SOLE   42,074 0 0
ISHARES TR S&P 500 GRWT ETF 464287309   2,255,989 30,040 SH   SOLE   30,040 0 0
ISHARES TR EAFE GRWTH ETF 464288885   2,039,661 21,060 SH   SOLE   21,060 0 0
ISHARES TR U.S. TECH ETF 464287721   1,965,473 16,012 SH   SOLE   16,012 0 0
ISHARES TR CORE MSCI TOTAL 46432F834   1,836,236 28,280 SH   SOLE   28,280 0 0
ISHARES TR CORE INTL AGGR 46435G672   1,711,377 34,365 SH   SOLE   34,365 0 0
VANGUARD ADMIRAL FDS INC 500 VAL IDX FD 921932703   1,659,445 9,880 SH   SOLE   9,880 0 0
ISHARES TR ISHS 5-10YR INVT 464288638   1,618,812 31,131 SH   SOLE   31,131 0 0
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   1,598,247 3,150 SH   SOLE   3,150 0 0
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   1,592,038 44,960 SH   SOLE   44,960 0 0
ISHARES TR MSCI EMG MKT ETF 464287234   1,528,783 38,020 SH   SOLE   38,020 0 0
SPDR SER TR S&P DIVID ETF 78464A763   1,504,639 12,040 SH   SOLE   12,040 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736   1,246,007 4,008 SH   SOLE   4,008 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768   1,229,042 21,205 SH   SOLE   21,205 0 0
FISERV INC COM 337738108   1,081,185 8,139 SH   SOLE   8,139 0 0
INVESCO QQQ TR UNIT SER 1 46090E103   1,026,317 2,506 SH   SOLE   2,506 0 0
TESLA INC COM 88160R101   1,015,538 4,087 SH   SOLE   4,087 0 0
SCHWAB STRATEGIC TR 5 10YR CORP BD 808524698   1,012,229 22,524 SH   SOLE   22,524 0 0
ISHARES TR CORE S&P SCP ETF 464287804   999,364 9,232 SH   SOLE   9,232 0 0
ISHARES TR S&P 100 ETF 464287101   971,970 4,351 SH   SOLE   4,351 0 0
PIMCO ETF TR 0-5 HIGH YIELD 72201R783   939,270 10,091 SH   SOLE   10,091 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   901,270 24,385 SH   SOLE   24,385 0 0
ISHARES TR NATIONAL MUN ETF 464288414   887,553 8,187 SH   SOLE   8,187 0 0
ISHARES TR IBOXX HI YD ETF 464288513   728,859 9,418 SH   SOLE   9,418 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   658,861 8,958 SH   SOLE   8,958 0 0
ALPHABET INC CAP STK CL A 02079K305   607,791 4,351 SH   SOLE   4,351 0 0
AMAZON COM INC COM 023135106   589,071 3,877 SH   SOLE   3,877 0 0
HOME DEPOT INC COM 437076102   538,941 1,555 SH   SOLE   1,555 0 0
ISHARES TR CORE LT USDB ETF 464289479   530,795 10,095 SH   SOLE   10,095 0 0
BROADCOM INC COM 11135F101   512,359 459 SH   SOLE   459 0 0
S&P GLOBAL INC COM 78409V104   499,417 1,134 SH   SOLE   1,134 0 0
PROCTER AND GAMBLE CO COM 742718109   489,297 3,339 SH   SOLE   3,339 0 0
FIRST TR EXCHANGE-TRADED FD DJ INTERNT IDX 33733E302   482,978 2,589 SH   SOLE   2,589 0 0
MICROSOFT CORP COM 594918104   471,197 1,253 SH   SOLE   1,253 0 0
ISHARES TR CORE MSCI EURO 46434V738   468,165 8,509 SH   SOLE   8,509 0 0
ISHARES TR JPMORGAN USD EMG 464288281   454,562 5,104 SH   SOLE   5,104 0 0
BOEING CO COM 097023105   441,558 1,694 SH   SOLE   1,694 0 0
SELECT SECTOR SPDR TR ENERGY 81369Y506   423,224 5,048 SH   SOLE   5,048 0 0
ABBVIE INC COM 00287Y109   404,317 2,609 SH   SOLE   2,609 0 0
JPMORGAN CHASE & CO COM 46625H100   383,405 2,254 SH   SOLE   2,254 0 0
CHEVRON CORP NEW COM 166764100   373,501 2,504 SH   SOLE   2,504 0 0
JOHNSON & JOHNSON COM 478160104   371,283 2,369 SH   SOLE   2,369 0 0
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   366,453 2,687 SH   SOLE   2,687 0 0
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407   350,646 1,961 SH   SOLE   1,961 0 0
SPDR SER TR AEROSPACE DEF 78464A631   349,790 2,583 SH   SOLE   2,583 0 0
ALPHABET INC CAP STK CL C 02079K107   325,971 2,313 SH   SOLE   2,313 0 0
ISHARES TR CORE TOTAL USD 46434V613   316,639 6,873 SH   SOLE   6,873 0 0
VISA INC COM CL A 92826C839   307,994 1,183 SH   SOLE   1,183 0 0
SPDR SER TR PORTFOLIO S&P500 78464A854   287,494 5,143 SH   SOLE   5,143 0 0
ZOETIS INC CL A 98978V103   284,410 1,441 SH   SOLE   1,441 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108   283,590 5,527 SH   SOLE   5,527 0 0
QUALCOMM INC COM 747525103   280,871 1,942 SH   SOLE   1,942 0 0
CONOCOPHILLIPS COM 20825C104   273,345 2,355 SH   SOLE   2,355 0 0
CITIGROUP INC COM NEW 172967424   272,683 5,301 SH   SOLE   5,301 0 0
SPDR SER TR PRTFLO S&P500 HI 78468R788   267,080 6,815 SH   SOLE   6,815 0 0
NUVEEN DYNAMIC MUN OPPORTUNI COM SHS 67079X102   263,229 26,562 SH   SOLE   26,562 0 0
ISHARES TR CORE 1 5 YR USD 46432F859   255,445 5,371 SH   SOLE   5,371 0 0
MCDONALDS CORP COM 580135101   254,406 858 SH   SOLE   858 0 0
VICI PPTYS INC COM 925652109   247,006 7,748 SH   SOLE   7,748 0 0
ISHARES TR S&P 500 VAL ETF 464287408   244,115 1,404 SH   SOLE   1,404 0 0
SPDR SER TR NUVEEN BLMBRG SH 78468R739   232,451 4,864 SH   SOLE   4,864 0 0
METLIFE INC COM 59156R108   229,802 3,475 SH   SOLE   3,475 0 0
NVIDIA CORPORATION COM 67066G104   228,367 461 SH   SOLE   461 0 0
ISHARES TR INTL SEL DIV ETF 464288448   228,174 8,152 SH   SOLE   8,152 0 0
STARBUCKS CORP COM 855244109   227,448 2,369 SH   SOLE   2,369 0 0
INVESCO EXCH TRADED FD TR II SR LN ETF 46138G508   225,080 10,627 SH   SOLE   10,627 0 0
DTE ENERGY CO COM 233331107   223,056 2,023 SH   SOLE   2,023 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   220,756 2,716 SH   SOLE   2,716 0 0
VANGUARD BD INDEX FDS INTERMED TERM 921937819   219,898 2,879 SH   SOLE   2,879 0 0
ISHARES TR 3 7 YR TREAS BD 464288661   218,096 1,862 SH   SOLE   1,862 0 0
ISHARES TR MSCI EAFE ETF 464287465   217,762 2,890 SH   SOLE   2,890 0 0
INVESCO EXCH TRADED FD TR II PFD ETF 46138E511   217,597 18,971 SH   SOLE   18,971 0 0
ISHARES TR 10-20 YR TRS ETF 464288653   216,845 2,003 SH   SOLE   2,003 0 0
WP CAREY INC COM 92936U109   215,947 3,332 SH   SOLE   3,332 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870   215,743 4,133 SH   SOLE   4,133 0 0
CORNING INC COM 219350105   214,866 7,056 SH   SOLE   7,056 0 0
SYSCO CORP COM 871829107   214,344 2,931 SH   SOLE   2,931 0 0
CMS ENERGY CORP COM 125896100   214,162 3,688 SH   SOLE   3,688 0 0
REALTY INCOME CORP COM 756109104   214,062 3,728 SH   SOLE   3,728 0 0
IRON MTN INC DEL COM 46284V101   206,301 2,948 SH   SOLE   2,948 0 0
ISHARES TR GLOBAL ENERG ETF 464287341   202,746 5,184 SH   SOLE   5,184 0 0
ISHARES TR U.S. MED DVC ETF 464288810   201,682 3,737 SH   SOLE   3,737 0 0