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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
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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   18,631,631 247,794 SH   SOLE   247,794 0 0
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407   4,576,379 26,950 SH   SOLE   26,950 0 0
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203   5,929,150 217,026 SH   SOLE   217,026 0 0
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500   5,536,718 101,035 SH   SOLE   101,035 0 0
FIRST TR EXCHANGE TRADED FD CLOUD COMPUTING 33734X192   4,325,391 56,958 SH   SOLE   56,958 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   7,193,793 48,074 SH   SOLE   48,074 0 0
ISHARES TR CORE MSCI EAFE 46432F842   5,573,745 82,574 SH   SOLE   82,574 0 0
ISHARES TR CORE S&P500 ETF 464287200   7,614,064 17,083 SH   SOLE   17,083 0 0
ISHARES TR CORE S&P SCP ETF 464287804   1,567,694 15,732 SH   SOLE   15,732 0 0
ISHARES TR CORE US AGGBD ET 464287226   11,587,681 118,302 SH   SOLE   118,302 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   12,853,350 31,559 SH   SOLE   31,559 0 0
WISDOMTREE TR FLOATNG RAT TREA 97717Y527   15,630,298 310,618 SH   SOLE   310,618 0 0
WISDOMTREE TR US QTLY DIV GRT 97717X669   14,120,788 211,833 SH   SOLE   211,833 0 0
ISHARES TR FALN ANGLS USD 46435G474   5,911,134 232,997 SH   SOLE   232,997 0 0
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354   1,092,719 17,397 SH   SOLE   17,397 0 0
ISHARES TR 0-5 YR TIPS ETF 46429B747   923,882 9,466 SH   SOLE   9,466 0 0
ISHARES TR CORE S&P MCP ETF 464287507   1,095,863 4,191 SH   SOLE   4,191 0 0
ISHARES GOLD TR ISHARES NEW 464285204   210,698 5,790 SH   SOLE   5,790 0 0
J P MORGAN EXCHANGE TRADED F BETABUILDERS EUR 46641Q191   1,443,597 26,674 SH   SOLE   26,674 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   624,425 8,791 SH   SOLE   8,791 0 0
VANGUARD INDEX FDS VALUE ETF 922908744   3,118,527 21,946 SH   SOLE   21,946 0 0
J P MORGAN EXCHANGE TRADED F BETABUILDERS US 46641Q241   316,194 6,847 SH   SOLE   6,847 0 0
INNOVATOR ETFS TR LADDERED ALC BFR 45783Y756   319,111 12,211 SH   SOLE   12,211 0 0
ISHARES TR MRGSTR SM CP ETF 464288505   204,650 4,116 SH   SOLE   4,116 0 0
EA SERIES TRUST ALPHA ARCH 1-3 02072L565   421,027 4,113 SH   SOLE   4,113 0 0
ISHARES TR CORE DIV GRWTH 46434V621   347,570 6,745 SH   SOLE   6,745 0 0
FIRST TR EXCH TRADED FD III SHRT DUR MNG MUN 33739P830   409,111 20,725 SH   SOLE   20,725 0 0
ISHARES TR SELECT DIVID ETF 464287168   354,791 3,131 SH   SOLE   3,131 0 0
ISHARES TR SHRT NAT MUN ETF 464288158   990,981 9,525 SH   SOLE   9,525 0 0
ISHARES TR US HLTHCARE ETF 464287762   373,296 1,332 SH   SOLE   1,332 0 0
APPLE INC COM 037833100   366,021 1,887 SH   SOLE   1,887 0 0
JPMORGAN CHASE & CO COM 46625H100   223,396 1,536 SH   SOLE   1,536 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101   236,500 1,767 SH   SOLE   1,767 0 0
MCDONALDS CORP COM 580135101   242,906 814 SH   SOLE   814 0 0
MICROSOFT CORP COM 594918104   1,585,561 4,656 SH   SOLE   4,656 0 0
UNITEDHEALTH GROUP INC COM 91324P102   416,234 866 SH   SOLE   866 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   200,954 4,588 SH   SOLE   4,588 0 0
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   434,425 3,273 SH   SOLE   3,273 0 0
ISHARES TR GLB CNS DISC ETF 464288745   292,421 1,866 SH   SOLE   1,866 0 0
ISHARES TR RUSSELL 2000 ETF 464287655   201,877 1,078 SH   SOLE   1,078 0 0
SPDR SER TR BLOOMBERG 1-3 MO 78468R663   270,226 2,943 SH   SOLE   2,943 0 0
ISHARES TR GLOB HLTHCRE ETF 464287325   399,283 4,698 SH   SOLE   4,698 0 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2024 CB 46138J841   494,791 24,054 SH   SOLE   24,054 0 0
INNOVATOR ETFS TR US EQT PWR BUF 45782C870   273,589 8,854 SH   SOLE   8,854 0 0
ISHARES TR GLOBAL TECH ETF 464287291   358,214 5,760 SH   SOLE   5,760 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   321,287 1,978 SH   SOLE   1,978 0 0
INNOVATOR ETFS TR US EQTY PWR BUF 45782C318   238,621 7,994 SH   SOLE   7,994 0 0
INNOVATOR ETFS TR US EQTY PWR BUF 45782C748   237,335 7,494 SH   SOLE   7,494 0 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2023 CB 46138J866   361,012 17,053 SH   SOLE   17,053 0 0
LAM RESEARCH CORP COM 512807108   772,075 1,201 SH   SOLE   1,201 0 0