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   239,345 1,314 SH   SOLE   0 0 1,314
AMAZON COM INC COM 023135106   377,745 1,954 SH   SOLE   0 0 1,954
APPLE INC COM 037833100   1,323,747 6,285 SH   SOLE   0 0 6,285
AT&T INC COM 00206R102   315,697 16,520 SH   SOLE   0 0 16,520
BLACKROCK CORE BD TR SHS BEN INT 09249E101   364,411 34,217 SH   SOLE   0 0 34,217
BOEING CO COM 097023105   211,496 1,162 SH   SOLE   0 0 1,162
EA SERIES TRUST VAL MOMTM TRND 02072L508   552,717 22,269 SH   SOLE   0 0 22,269
EA SERIES TRUST INTL QUAN MOMNTM 02072L300   3,838,869 138,938 SH   SOLE   0 0 138,938
EA SERIES TRUST INTL QUAN VALUE 02072L201   4,451,315 178,553 SH   SOLE   0 0 178,553
EA SERIES TRUST US QUAN MOMENTUM 02072L409   6,673,244 114,542 SH   SOLE   0 0 114,542
EA SERIES TRUST US QUAN VALUE 02072L102   7,434,082 173,410 SH   SOLE   0 0 173,410
EA SERIES TRUST ALPHA ARCHITECT 02072L631   4,298,192 187,401 SH   SOLE   0 0 187,401
EA SERIES TRUST ALPHA ARCH 1-3 02072L565   1,917,995 17,790 SH   SOLE   0 0 17,790
ETF SER SOLUTIONS DEFIANCE NEXT 26922A289   239,347 5,726 SH   SOLE   0 0 5,726
FIDELITY COVINGTON TRUST LOW VOLITY ETF 316092824   302,883 5,310 SH   SOLE   0 0 5,310
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309   6,312,274 140,491 SH   SOLE   0 0 140,491
FIRST TR EXCHANGE-TRADED FD FST LOW OPPT EFT 33739Q200   564,252 11,743 SH   SOLE   0 0 11,743
FS CREDIT OPPORTUNITIES CORP COMMON STOCK 30290Y101   95,626 15,012 SH   SOLE   0 0 15,012
FS KKR CAP CORP COM 302635206   286,673 14,530 SH   SOLE   0 0 14,530
INVESCO EXCH TRADED FD TR II SHORT TERM TREAS 46138G888   1,460,838 13,851 SH   SOLE   0 0 13,851
INVESCO QQQ TR UNIT SER 1 46090E103   2,101,376 4,386 SH   SOLE   0 0 4,386
ISHARES INC MSCI EMERG MRKT 464286533   268,773 4,698 SH   SOLE   0 0 4,698
ISHARES TR CONSER ALLOC ETF 464289883   571,319 15,472 SH   SOLE   0 0 15,472
ISHARES TR CORE S&P SCP ETF 464287804   1,711,786 16,049 SH   SOLE   0 0 16,049
ISHARES TR CORE S&P500 ETF 464287200   23,443,544 42,840 SH   SOLE   0 0 42,840
ISHARES TR 1 3 YR TREAS BD 464287457   258,341 3,164 SH   SOLE   0 0 3,164
ISHARES TR USD INV GRDE ETF 464288620   445,664 8,876 SH   SOLE   0 0 8,876
ISHARES TR CYBERSECURITY 46435U135   376,101 8,185 SH   SOLE   0 0 8,185
ISHARES TR MSCI EAFE ETF 464287465   309,090 3,946 SH   SOLE   0 0 3,946
ISHARES TR NATIONAL MUN ETF 464288414   390,186 3,662 SH   SOLE   0 0 3,662
ISHARES U S ETF TR BLACKROCK SH DUR 46431W507   589,616 11,715 SH   SOLE   0 0 11,715
MERCK & CO INC COM 58933Y105   428,348 3,460 SH   SOLE   0 0 3,460
META PLATFORMS INC CL A 30303M102   322,701 640 SH   SOLE   0 0 640
MICROSOFT CORP COM 594918104   629,753 1,409 SH   SOLE   0 0 1,409
MORGAN STANLEY ETF TRUST CALVERT ULT SHR 61774R601   13,521,700 268,389 SH   SOLE   0 0 268,389
PFIZER INC COM 717081103   257,640 9,208 SH   SOLE   0 0 9,208
PIMCO ETF TR ENHNCD LW DUR AC 72201R718   242,545 2,562 SH   SOLE   0 0 2,562
PIMCO HIGH INCOME FD COM SHS 722014107   95,677 19,850 SH   SOLE   0 0 19,850
PROSHARES TR PSHS ULT S&P 500 74347R107   224,507 2,718 SH   SOLE   0 0 2,718
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   1,013,757 13,037 SH   SOLE   0 0 13,037
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   11,464,784 238,205 SH   SOLE   0 0 238,205
SPDR GOLD TR GOLD SHS 78463V107   1,237,383 5,755 SH   SOLE   0 0 5,755
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   649,320 17,237 SH   SOLE   0 0 17,237
SPDR S&P 500 ETF TR TR UNIT 78462F103   841,064 1,545 SH   SOLE   0 0 1,545
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   331,286 4,598 SH   SOLE   0 0 4,598
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   1,491,720 19,449 SH   SOLE   0 0 19,449
VANGUARD INDEX FDS TOTAL STK MKT 922908769   4,812,237 17,989 SH   SOLE   0 0 17,989
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   1,053,785 12,581 SH   SOLE   0 0 12,581
VANGUARD INDEX FDS VALUE ETF 922908744   224,574 1,400 SH   SOLE   0 0 1,400
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   1,322,344 2,644 SH   SOLE   0 0 2,644
VANGUARD INDEX FDS SMALL CP ETF 922908751   274,512 1,259 SH   SOLE   0 0 1,259
VANGUARD INDEX FDS GROWTH ETF 922908736   223,284 597 SH   SOLE   0 0 597
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   12,665,392 215,986 SH   SOLE   0 0 215,986
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   3,207,067 41,502 SH   SOLE   0 0 41,502
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   4,298,926 74,132 SH   SOLE   0 0 74,132
VANGUARD STAR FDS VG TL INTL STK F 921909768   1,507,560 25,001 SH   SOLE   0 0 25,001
VANGUARD WORLD FD FINANCIALS ETF 92204A405   205,953 2,062 SH   SOLE   0 0 2,062
VERIZON COMMUNICATIONS INC COM 92343V104   1,770,474 42,931 SH   SOLE   0 0 42,931