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
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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
ALPHABET INC CAP STK CL A 02079K305   236,658 1,568 SH   SOLE   0 0 1,568
AMAZON COM INC COM 023135106   353,507 1,961 SH   SOLE   0 0 1,961
APPLE INC COM 037833100   1,098,501 6,406 SH   SOLE   0 0 6,406
AT&T INC COM 00206R102   291,298 16,551 SH   SOLE   0 0 16,551
BLACKROCK CORE BD TR SHS BEN INT 09249E101   381,337 35,309 SH   SOLE   0 0 35,309
BOEING CO COM 097023105   224,254 1,162 SH   SOLE   0 0 1,162
EA SERIES TRUST VAL MOMTM TRND 02072L508   565,789 21,998 SH   SOLE   0 0 21,998
EA SERIES TRUST INTL QUAN MOMNTM 02072L300   3,763,847 129,031 SH   SOLE   0 0 129,031
EA SERIES TRUST INTL QUAN VALUE 02072L201   4,522,922 167,640 SH   SOLE   0 0 167,640
EA SERIES TRUST US QUAN MOMENTUM 02072L409   6,350,747 107,439 SH   SOLE   0 0 107,439
EA SERIES TRUST US QUAN VALUE 02072L102   7,358,753 163,746 SH   SOLE   0 0 163,746
EA SERIES TRUST ALPHA ARCHITECT 02072L631   4,291,621 185,513 SH   SOLE   0 0 185,513
EA SERIES TRUST ALPHA ARCH 1-3 02072L565   2,524,772 23,716 SH   SOLE   0 0 23,716
ETF SER SOLUTIONS DEFIANCE NEXT 26922A289   219,551 5,618 SH   SOLE   0 0 5,618
FIDELITY COVINGTON TRUST LOW VOLITY ETF 316092824   298,316 5,310 SH   SOLE   0 0 5,310
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309   6,063,242 133,817 SH   SOLE   0 0 133,817
FIRST TR EXCHANGE-TRADED FD FST LOW OPPT EFT 33739Q200   566,600 11,743 SH   SOLE   0 0 11,743
FS CREDIT OPPORTUNITIES CORP COMMON STOCK 30290Y101   63,759 10,752 SH   SOLE   0 0 10,752
FS KKR CAP CORP COM 302635206   282,156 14,796 SH   SOLE   0 0 14,796
INVESCO EXCH TRADED FD TR II SHORT TERM TREAS 46138G888   1,573,058 14,915 SH   SOLE   0 0 14,915
INVESCO QQQ TR UNIT SER 1 46090E103   1,987,833 4,477 SH   SOLE   0 0 4,477
ISHARES INC MSCI EMERG MRKT 464286533   275,933 4,876 SH   SOLE   0 0 4,876
ISHARES TR CONSER ALLOC ETF 464289883   583,971 15,858 SH   SOLE   0 0 15,858
ISHARES TR CORE S&P SCP ETF 464287804   1,781,693 16,121 SH   SOLE   0 0 16,121
ISHARES TR CORE S&P500 ETF 464287200   21,472,947 40,844 SH   SOLE   0 0 40,844
ISHARES TR USD INV GRDE ETF 464288620   459,367 9,048 SH   SOLE   0 0 9,048
ISHARES TR CYBERSECURITY 46435U135   376,815 8,043 SH   SOLE   0 0 8,043
ISHARES TR MSCI EAFE ETF 464287465   315,128 3,946 SH   SOLE   0 0 3,946
ISHARES TR NATIONAL MUN ETF 464288414   392,094 3,644 SH   SOLE   0 0 3,644
ISHARES U S ETF TR BLACKROCK SH DUR 46431W507   599,465 11,880 SH   SOLE   0 0 11,880
MERCK & CO INC COM 58933Y105   396,246 3,003 SH   SOLE   0 0 3,003
META PLATFORMS INC CL A 30303M102   307,858 634 SH   SOLE   0 0 634
MICROSOFT CORP COM 594918104   593,636 1,411 SH   SOLE   0 0 1,411
MORGAN STANLEY ETF TRUST CALVERT ULT SHR 61774R601   12,874,788 255,671 SH   SOLE   0 0 255,671
PFIZER INC COM 717081103   253,607 9,139 SH   SOLE   0 0 9,139
PIMCO ETF TR ENHNCD LW DUR AC 72201R718   246,257 2,596 SH   SOLE   0 0 2,596
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   1,062,945 13,183 SH   SOLE   0 0 13,183
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   10,993,712 228,038 SH   SOLE   0 0 228,038
SPDR GOLD TR GOLD SHS 78463V107   1,226,503 5,962 SH   SOLE   0 0 5,962
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   706,165 19,513 SH   SOLE   0 0 19,513
SPDR S&P 500 ETF TR TR UNIT 78462F103   808,310 1,545 SH   SOLE   0 0 1,545
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   335,042 4,613 SH   SOLE   0 0 4,613
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   1,510,918 19,707 SH   SOLE   0 0 19,707
VANGUARD INDEX FDS TOTAL STK MKT 922908769   4,706,789 18,110 SH   SOLE   0 0 18,110
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   1,081,519 12,506 SH   SOLE   0 0 12,506
VANGUARD INDEX FDS VALUE ETF 922908744   239,567 1,471 SH   SOLE   0 0 1,471
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   1,252,224 2,605 SH   SOLE   0 0 2,605
VANGUARD INDEX FDS SMALL CP ETF 922908751   285,509 1,249 SH   SOLE   0 0 1,249
VANGUARD INDEX FDS GROWTH ETF 922908736   208,929 607 SH   SOLE   0 0 607
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   11,894,580 202,806 SH   SOLE   0 0 202,806
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   3,195,377 41,332 SH   SOLE   0 0 41,332
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   4,429,603 76,280 SH   SOLE   0 0 76,280
VANGUARD STAR FDS VG TL INTL STK F 921909768   1,520,585 25,217 SH   SOLE   0 0 25,217
VANGUARD WORLD FD FINANCIALS ETF 92204A405   215,019 2,100 SH   SOLE   0 0 2,100
VERIZON COMMUNICATIONS INC COM 92343V104   1,802,308 42,953 SH   SOLE   0 0 42,953