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
Estimated average burden
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
AMERICAN CENTY ETF TR US EQT ETF 025072885   22,290,306 273,333 SH   SOLE   273,333 0 0
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852   4,477,091 61,617 SH   SOLE   61,617 0 0
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203   8,222,172 287,087 SH   SOLE   287,087 0 0
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500   6,184,323 103,729 SH   SOLE   103,729 0 0
ISHARES TR CORE S&P500 ETF 464287200   17,224,301 36,062 SH   SOLE   36,062 0 0
ISHARES TR CORE US AGGBD ET 464287226   12,170,035 122,620 SH   SOLE   122,620 0 0
SPDR SER TR BLOOMBERG 1-3 MO 78468R663   12,590,892 137,771 SH   SOLE   137,771 0 0
SPDR SER TR S&P OILGAS EXP 78468R556   4,168,636 30,448 SH   SOLE   30,448 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   5,901,168 13,510 SH   SOLE   13,510 0 0
WISDOMTREE TR FLOATNG RAT TREA 97717Y527   16,839,242 335,176 SH   SOLE   335,176 0 0
WISDOMTREE TR US QTLY DIV GRT 97717X669   15,773,713 224,441 SH   SOLE   224,441 0 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2024 CB 46138J841   1,196,857 57,307 SH   SOLE   57,307 0 0
ISHARES TR FALN ANGLS USD 46435G474   6,718,721 254,497 SH   SOLE   254,497 0 0
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354   1,050,634 16,767 SH   SOLE   16,767 0 0
ISHARES TR 0-5 YR TIPS ETF 46429B747   867,986 8,804 SH   SOLE   8,804 0 0
ISHARES TR CORE S&P MCP ETF 464287507   1,161,536 4,191 SH   SOLE   4,191 0 0
ISHARES TR CORE S&P SCP ETF 464287804   1,404,544 12,975 SH   SOLE   12,975 0 0
ISHARES GOLD TR ISHARES NEW 464285204   225,203 5,770 SH   SOLE   5,770 0 0
J P MORGAN EXCHANGE TRADED F BETABUILDERS US 46641Q241   431,659 9,277 SH   SOLE   9,277 0 0
GENERAL ELECTRIC CO COM NEW 369604301   207,271 1,624 SH   SOLE   1,624 0 0
INNOVATOR ETFS TR LADDERED ALC BFR 45783Y756   468,045 16,862 SH   SOLE   16,862 0 0
ISHARES TR MRGSTR SM CP ETF 464288505   220,641 4,116 SH   SOLE   4,116 0 0
VANGUARD INDEX FDS VALUE ETF 922908744   2,564,673 17,155 SH   SOLE   17,155 0 0
EA SERIES TRUST ALPHA ARCH 1-3 02072L565   453,512 4,313 SH   SOLE   4,313 0 0
ISHARES TR CORE DIV GRWTH 46434V621   360,163 6,692 SH   SOLE   6,692 0 0
FIRST TR EXCH TRADED FD III SHRT DUR MNG MUN 33739P830   435,788 21,844 SH   SOLE   21,844 0 0
ISHARES TR SELECT DIVID ETF 464287168   367,066 3,131 SH   SOLE   3,131 0 0
ISHARES TR SHRT NAT MUN ETF 464288158   1,208,755 11,465 SH   SOLE   11,465 0 0
ISHARES TR US HLTHCARE ETF 464287762   381,272 1,332 SH   SOLE   1,332 0 0
AMAZON COM INC COM 023135106   215,451 1,418 SH   SOLE   1,418 0 0
APPLE INC COM 037833100   362,534 1,883 SH   SOLE   1,883 0 0
JPMORGAN CHASE & CO COM 46625H100   261,274 1,536 SH   SOLE   1,536 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   647,978 8,603 SH   SOLE   8,603 0 0
MCDONALDS CORP COM 580135101   255,888 863 SH   SOLE   863 0 0
INTEL CORP COM 458140100   232,406 4,625 SH   SOLE   4,625 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101   284,157 1,737 SH   SOLE   1,737 0 0
MICROSOFT CORP COM 594918104   1,735,808 4,616 SH   SOLE   4,616 0 0
UNITEDHEALTH GROUP INC COM 91324P102   455,923 866 SH   SOLE   866 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   216,737 4,588 SH   SOLE   4,588 0 0
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   395,229 2,898 SH   SOLE   2,898 0 0
ISHARES TR GLB CNS DISC ETF 464288745   296,806 1,866 SH   SOLE   1,866 0 0
ISHARES TR RUSSELL 2000 ETF 464287655   216,365 1,078 SH   SOLE   1,078 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769   224,647 947 SH   SOLE   947 0 0
ISHARES TR GLOB HLTHCRE ETF 464287325   407,411 4,698 SH   SOLE   4,698 0 0
INNOVATOR ETFS TR US EQT PWR BUF 45782C870   289,437 8,854 SH   SOLE   8,854 0 0
ISHARES TR GLOBAL TECH ETF 464287291   392,717 5,760 SH   SOLE   5,760 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   337,051 1,978 SH   SOLE   1,978 0 0
INNOVATOR ETFS TR US EQTY PWR BUF 45782C318   251,607 7,994 SH   SOLE   7,994 0 0
INNOVATOR ETFS TR US EQTY PWR BUF 45782C748   250,150 7,494 SH   SOLE   7,494 0 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2025 CB 46138J825   375,452 18,355 SH   SOLE   18,355 0 0
LAM RESEARCH CORP COM 512807108   549,065 701 SH   SOLE   701 0 0