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   14,818,740 209,068 SH   SOLE   209,068 0 0
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500   6,985,490 132,552 SH   SOLE   132,552 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   16,039,949 110,911 SH   SOLE   110,911 0 0
ISHARES TR CORE US AGGBD ET 464287226   11,019,387 110,592 SH   SOLE   110,592 0 0
J P MORGAN EXCHANGE TRADED F BETABUILDERS EUR 46641Q191   12,350,264 231,365 SH   SOLE   231,365 0 0
WORLD GOLD TR SPDR GLD MINIS 98149E303   7,048,443 180,221 SH   SOLE   180,221 0 0
WISDOMTREE TR FLOATNG RAT TREA 97717Y527   14,752,888 293,473 SH   SOLE   293,473 0 0
WISDOMTREE TR US QTLY DIV GRT 97717X669   11,178,185 179,310 SH   SOLE   179,310 0 0
ISHARES TR FALN ANGLS USD 46435G474   2,687,515 106,352 SH   SOLE   106,352 0 0
VANGUARD INDEX FDS VALUE ETF 922908744   10,884,725 78,812 SH   SOLE   78,812 0 0
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354   1,096,319 17,569 SH   SOLE   17,569 0 0
ISHARES TR 0-5 YR TIPS ETF 46429B747   972,057 9,796 SH   SOLE   9,796 0 0
ISHARES TR CORE S&P MCP ETF 464287507   1,056,176 4,222 SH   SOLE   4,222 0 0
ISHARES TR CORE S&P SCP ETF 464287804   1,352,446 13,986 SH   SOLE   13,986 0 0
ISHARES GOLD TR ISHARES NEW 464285204   215,961 5,779 SH   SOLE   5,779 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   596,469 8,791 SH   SOLE   8,791 0 0
J P MORGAN EXCHANGE TRADED F BETABUILDERS US 46641Q241   337,711 7,193 SH   SOLE   7,193 0 0
INNOVATOR ETFS TR LADDERED ALC BFR 45783Y756   307,817 12,593 SH   SOLE   12,593 0 0
ISHARES TR CORE DIV GRWTH 46434V621   375,275 7,507 SH   SOLE   7,507 0 0
FIRST TR EXCH TRADED FD III SHRT DUR MNG MUN 33739P830   336,787 16,941 SH   SOLE   16,941 0 0
ISHARES TR CORE S&P500 ETF 464287200   327,631 797 SH   SOLE   797 0 0
ISHARES TR SELECT DIVID ETF 464287168   366,941 3,131 SH   SOLE   3,131 0 0
ISHARES TR SHRT NAT MUN ETF 464288158   776,935 7,422 SH   SOLE   7,422 0 0
ISHARES TR US HLTHCARE ETF 464287762   413,413 1,514 SH   SOLE   1,514 0 0
APPLE INC COM 037833100   311,826 1,891 SH   SOLE   1,891 0 0
JPMORGAN CHASE & CO COM 46625H100   200,156 1,536 SH   SOLE   1,536 0 0
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   440,682 3,404 SH   SOLE   3,404 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101   231,693 1,767 SH   SOLE   1,767 0 0
MCDONALDS CORP COM 580135101   227,603 814 SH   SOLE   814 0 0
MICROSOFT CORP COM 594918104   1,342,331 4,656 SH   SOLE   4,656 0 0
UNITEDHEALTH GROUP INC COM 91324P102   465,974 986 SH   SOLE   986 0 0
ISHARES TR GLB CNS DISC ETF 464288745   270,887 1,866 SH   SOLE   1,866 0 0
ISHARES TR GLOB HLTHCRE ETF 464287325   407,630 4,890 SH   SOLE   4,890 0 0
INNOVATOR ETFS TR US EQT PWR BUF 45782C870   260,308 8,854 SH   SOLE   8,854 0 0
PIMCO ETF TR ENHAN SHRT MA AC 72201R833   220,335 2,220 SH   SOLE   2,220 0 0
ISHARES TR GLOBAL TECH ETF 464287291   313,114 5,760 SH   SOLE   5,760 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   304,632 1,978 SH   SOLE   1,978 0 0
INNOVATOR ETFS TR US EQTY PWR BUF 45782C318   230,387 7,994 SH   SOLE   7,994 0 0
INNOVATOR ETFS TR US EQTY PWR BUF 45782C748   230,630 7,494 SH   SOLE   7,494 0 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2023 CB 46138J866   359,477 17,053 SH   SOLE   17,053 0 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2024 CB 46138J841   423,207 20,554 SH   SOLE   20,554 0 0