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
AMERICAN CENTY ETF TR US EQT ETF 025072885   13,803,650 202,965 SH   SOLE   202,965 0 0
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308   2,004,650 26,890 SH   SOLE   26,890 0 0
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500   4,977,048 97,303 SH   SOLE   97,303 0 0
SELECT SECTOR SPDR TR ENERGY 81369Y506   2,181,939 24,945 SH   SOLE   24,945 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   9,199,330 65,128 SH   SOLE   65,128 0 0
ISHARES TR 0-5 YR TIPS ETF 46429B747   2,500,017 25,784 SH   SOLE   25,784 0 0
ISHARES TR CORE US AGGBD ET 464287226   5,450,644 56,198 SH   SOLE   56,198 0 0
VANGUARD INDEX FDS VALUE ETF 922908744   12,004,162 85,518 SH   SOLE   85,518 0 0
WISDOMTREE TR FLOATNG RAT TREA 97717Y527   14,266,727 283,802 SH   SOLE   283,802 0 0
WISDOMTREE TR US QTLY DIV GRT 97717X669   12,283,864 203,510 SH   SOLE   203,510 0 0
FIRST TR EXCH TRADED FD III PFD SECS INC ETF 33739E108   1,724,352 102,640 SH   SOLE   102,640 0 0
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354   1,311,114 20,518 SH   SOLE   20,518 0 0
INNOVATOR ETFS TR LADDERED ALC BFR 45783Y756   889,585 38,618 SH   SOLE   38,618 0 0
PIMCO ETF TR ENHAN SHRT MA AC 72201R833   356,225 3,611 SH   SOLE   3,611 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   2,155,551 32,854 SH   SOLE   32,854 0 0
UNITEDHEALTH GROUP INC COM 91324P102   555,098 1,047 SH   SOLE   1,047 0 0
ISHARES TR CORE S&P MCP ETF 464287507   2,071,546 8,564 SH   SOLE   8,564 0 0
ISHARES TR US HLTHCARE ETF 464287762   1,388,760 4,895 SH   SOLE   4,895 0 0
ISHARES TR CORE S&P SCP ETF 464287804   1,336,411 14,121 SH   SOLE   14,121 0 0
ISHARES GOLD TR ISHARES NEW 464285204   207,229 5,991 SH   SOLE   5,991 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   574,189 14,174 SH   SOLE   14,174 0 0
ISHARES TR CORE DIV GRWTH 46434V621   419,700 8,394 SH   SOLE   8,394 0 0
ISHARES TR SELECT DIVID ETF 464287168   377,650 3,131 SH   SOLE   3,131 0 0
FIRST TR EXCH TRADED FD III SHRT DUR MNG MUN 33739P830   360,867 18,281 SH   SOLE   18,281 0 0
ISHARES TR CORE S&P500 ETF 464287200   313,900 817 SH   SOLE   817 0 0
ISHARES TR SHRT NAT MUN ETF 464288158   883,167 8,470 SH   SOLE   8,470 0 0
JOHNSON & JOHNSON COM 478160104   217,934 1,234 SH   SOLE   1,234 0 0
APPLE INC COM 037833100   287,535 2,213 SH   SOLE   2,213 0 0
JPMORGAN CHASE & CO COM 46625H100   205,978 1,536 SH   SOLE   1,536 0 0
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   711,311 5,236 SH   SOLE   5,236 0 0
ISHARES TR CORE S&P TTL STK 464287150   647,533 7,636 SH   SOLE   7,636 0 0
ISHARES TR GLOB HLTHCRE ETF 464287325   425,334 5,011 SH   SOLE   5,011 0 0
VANGUARD WORLD FD ESG US STK ETF 921910733   250,729 3,807 SH   SOLE   3,807 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101   248,591 1,764 SH   SOLE   1,764 0 0
MCDONALDS CORP COM 580135101   262,476 996 SH   SOLE   996 0 0
MICROSOFT CORP COM 594918104   1,116,607 4,656 SH   SOLE   4,656 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   300,359 1,978 SH   SOLE   1,978 0 0
ISHARES TR GLB CNS DISC ETF 464288745   235,079 1,866 SH   SOLE   1,866 0 0
INNOVATOR ETFS TR US EQT PWR BUF 45782C870   248,541 8,854 SH   SOLE   8,854 0 0
INNOVATOR ETFS TR US EQTY PWR BUF 45782C748   222,785 7,494 SH   SOLE   7,494 0 0
INNOVATOR ETFS TR US EQTY PWR BUF 45782C318   224,551 7,994 SH   SOLE   7,994 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   219,519 2,906 SH   SOLE   2,906 0 0
ISHARES TR RUSSELL 2000 ETF 464287655   216,032 1,239 SH   SOLE   1,239 0 0
ISHARES TR GLOBAL TECH ETF 464287291   258,221 5,760 SH   SOLE   5,760 0 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2023 CB 46138J866   357,772 17,053 SH   SOLE   17,053 0 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2024 CB 46138J841   421,051 20,554 SH   SOLE   20,554 0 0