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
ABRDN GOLD ETF TRUST PHYSCL GOLD SHS 00326A104   449,203 22,756 SH   SOLE   0 0 22,756
ALPS ETF TR SECTR DIV DOGS 00162Q858   844,452 16,474 SH   SOLE   0 0 16,474
APPLE INC COM 037833100   948,819 4,928 SH   SOLE   0 0 4,928
FIDELITY COVINGTON TRUST QLTY FCTOR ETF 316092790   1,131,739 20,827 SH   SOLE   0 0 20,827
FIRST TR EXCHANGE TRADED FD CONSUMR STAPLE 33734X119   491,471 7,790 SH   SOLE   0 0 7,790
FIRST TR EXCHANGE-TRADED FD FIRST TR ENH NEW 33739Q408   853,019 14,298 SH   SOLE   0 0 14,298
INVENTRUST PPTYS CORP COM NEW 46124J201   207,104 8,173 SH   SOLE   0 0 8,173
INVESCO QQQ TR UNIT SER 1 46090E103   1,031,644 2,519 SH   SOLE   0 0 2,519
ISHARES GOLD TR ISHARES NEW 464285204   3,645,909 93,413 SH   SOLE   0 0 93,413
ISHARES TR IBONDS 24 TRM TS 46436E874   436,042 18,275 SH   SOLE   0 0 18,275
ISHARES TR U.S. TECH ETF 464287721   279,134 2,274 SH   SOLE   0 0 2,274
ISHARES TR 0-5YR HI YL CP 46434V407   3,134,008 74,230 SH   SOLE   0 0 74,230
ISHARES TR IBONDS 25 TRM TS 46436E866   239,412 10,284 SH   SOLE   0 0 10,284
ISHARES TR TIPS BD ETF 464287176   951,990 8,857 SH   SOLE   0 0 8,857
ISHARES TR EAFE VALUE ETF 464288877   475,673 9,130 SH   SOLE   0 0 9,130
ISHARES TR MSCI EAFE ETF 464287465   6,857,370 91,007 SH   SOLE   0 0 91,007
ISHARES TR IBONDS DEC24 ETF 46434VBG4   6,060,728 243,305 SH   SOLE   0 0 243,305
ISHARES TR CORE S&P MCP ETF 464287507   1,416,268 5,110 SH   SOLE   0 0 5,110
ISHARES TR CORE S&P500 ETF 464287200   601,534 1,259 SH   SOLE   0 0 1,259
ISHARES TR CORE US AGGBD ET 464287226   1,029,178 10,370 SH   SOLE   0 0 10,370
ISHARES TR IBONDS 25 TRM HG 46435U168   303,372 13,133 SH   SOLE   0 0 13,133
ISHARES TR IBONDS 24 TRM HG 46435U184   417,316 17,980 SH   SOLE   0 0 17,980
ISHARES TR IBONDS 27 ETF 46435UAA9   416,358 17,399 SH   SOLE   0 0 17,399
ISHARES TR IBONDS DEC2026 46435GAA0   1,799,909 75,310 SH   SOLE   0 0 75,310
ISHARES TR IBONDS DEC25 ETF 46434VBD1   3,906,113 157,759 SH   SOLE   0 0 157,759
ISHARES TR RUSSELL 2000 ETF 464287655   359,472 1,791 SH   SOLE   0 0 1,791
ISHARES TR RUS 1000 ETF 464287622   399,422 1,523 SH   SOLE   0 0 1,523
ISHARES TR 0-5 YR TIPS ETF 46429B747   2,862,468 29,034 SH   SOLE   0 0 29,034
ISHARES TR CORE MSCI EAFE 46432F842   884,933 12,579 SH   SOLE   0 0 12,579
ISHARES TR U.S. MED DVC ETF 464288810   3,024,845 56,047 SH   SOLE   0 0 56,047
ISHARES TR CORE S&P SCP ETF 464287804   3,079,491 28,448 SH   SOLE   0 0 28,448
ISHARES TR CORE HIGH DV ETF 46429B663   1,454,785 14,264 SH   SOLE   0 0 14,264
ISHARES TR RUS MID CAP ETF 464287499   212,589 2,735 SH   SOLE   0 0 2,735
ISHARES TR U.S. UTILITS ETF 464287697   356,248 4,457 SH   SOLE   0 0 4,457
ISHARES TR CORE S&P TTL STK 464287150   694,413 6,599 SH   SOLE   0 0 6,599
ISHARES TR MSCI INTL QUALTY 46434V456   475,434 12,658 SH   SOLE   0 0 12,658
JOHNSON & JOHNSON COM 478160104   204,508 1,305 SH   SOLE   0 0 1,305
MICROSOFT CORP COM 594918104   5,299,964 14,094 SH   SOLE   0 0 14,094
PEPSICO INC COM 713448108   222,466 1,310 SH   SOLE   0 0 1,310
PIMCO ETF TR INV GRD CRP BD 72201R817   1,186,767 12,202 SH   SOLE   0 0 12,202
PRUDENTIAL FINL INC COM 744320102   241,229 2,326 SH   SOLE   0 0 2,326
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   549,989 11,642 SH   SOLE   0 0 11,642
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   15,220,085 273,398 SH   SOLE   0 0 273,398
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   3,520,444 42,435 SH   SOLE   0 0 42,435
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   925,460 37,332 SH   SOLE   0 0 37,332
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   3,554,415 47,191 SH   SOLE   0 0 47,191
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   5,440,570 96,464 SH   SOLE   0 0 96,464
SCHWAB STRATEGIC TR US REIT ETF 808524847   1,841,902 88,938 SH   SOLE   0 0 88,938
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   1,015,061 27,464 SH   SOLE   0 0 27,464
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   2,498,649 32,821 SH   SOLE   0 0 32,821
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886   416,711 6,580 SH   SOLE   0 0 6,580
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308   526,395 7,308 SH   SOLE   0 0 7,308
SELECT SECTOR SPDR TR INDL 81369Y704   974,963 8,553 SH   SOLE   0 0 8,553
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407   1,182,710 6,614 SH   SOLE   0 0 6,614
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   1,224,269 6,361 SH   SOLE   0 0 6,361
SELECT SECTOR SPDR TR RL EST SEL SEC 81369Y860   237,476 5,928 SH   SOLE   0 0 5,928
SPDR GOLD TR GOLD SHS 78463V107   375,458 1,964 SH   SOLE   0 0 1,964
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   304,015 8,939 SH   SOLE   0 0 8,939
SPDR S&P 500 ETF TR TR UNIT 78462F103   3,624,148 7,625 SH   SOLE   0 0 7,625
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   206,504 407 SH   SOLE   0 0 407
SPDR SER TR PORTFLI HIGH YLD 78468R606   239,650 10,250 SH   SOLE   0 0 10,250
SPDR SER TR BLOOMBERG HIGH Y 78468R622   269,696 2,847 SH   SOLE   0 0 2,847
SPDR SER TR PRTFLO S&P500 GW 78464A409   255,165 3,922 SH   SOLE   0 0 3,922
SPDR SER TR NYSE TECH ETF 78464A102   226,356 1,379 SH   SOLE   0 0 1,379
SPDR SER TR S&P HOMEBUILD 78464A888   410,286 4,289 SH   SOLE   0 0 4,289
SPROTT PHYSICAL GOLD & SILVE TR UNIT 85208R101   339,874 17,748 SH   SOLE   0 0 17,748
VANECK ETF TRUST IG FLOATING RATE 92189F486   3,620,815 143,969 SH   SOLE   0 0 143,969
VANECK ETF TRUST SEMICONDUCTR ETF 92189F676   279,442 1,598 SH   SOLE   0 0 1,598
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   655,947 8,517 SH   SOLE   0 0 8,517
VANGUARD INDEX FDS VALUE ETF 922908744   10,719,321 71,701 SH   SOLE   0 0 71,701
VANGUARD INDEX FDS MID CAP ETF 922908629   826,992 3,555 SH   SOLE   0 0 3,555
VANGUARD INDEX FDS TOTAL STK MKT 922908769   2,754,361 11,611 SH   SOLE   0 0 11,611
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   12,350,178 28,274 SH   SOLE   0 0 28,274
VANGUARD INDEX FDS GROWTH ETF 922908736   745,555 2,398 SH   SOLE   0 0 2,398
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   1,137,634 12,875 SH   SOLE   0 0 12,875
VANGUARD INDEX FDS SMALL CP ETF 922908751   1,288,902 6,042 SH   SOLE   0 0 6,042
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   415,069 10,099 SH   SOLE   0 0 10,099
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   265,707 5,595 SH   SOLE   0 0 5,595
VANGUARD SCOTTSDALE FDS VNG RUS1000IDX 92206C730   583,921 2,692 SH   SOLE   0 0 2,692
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   2,088,406 26,992 SH   SOLE   0 0 26,992
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   3,427,997 20,117 SH   SOLE   0 0 20,117
VANGUARD STAR FDS VG TL INTL STK F 921909768   3,896,709 67,231 SH   SOLE   0 0 67,231
VANGUARD WORLD FDS UTILITIES ETF 92204A876   1,501,443 10,954 SH   SOLE   0 0 10,954
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504   4,967,489 19,814 SH   SOLE   0 0 19,814
VANGUARD WORLD FDS CONSUM DIS ETF 92204A108   2,345,773 7,702 SH   SOLE   0 0 7,702
VANGUARD WORLD FDS CONSUM STP ETF 92204A207   5,231,477 27,396 SH   SOLE   0 0 27,396
VANGUARD WORLD FDS INF TECH ETF 92204A702   11,642,132 24,054 SH   SOLE   0 0 24,054
VANGUARD WORLD FDS MATERIALS ETF 92204A801   267,815 1,410 SH   SOLE   0 0 1,410
VANGUARD WORLD FDS INDUSTRIAL ETF 92204A603   1,565,822 7,103 SH   SOLE   0 0 7,103
WELLTOWER INC COM 95040Q104   597,196 6,623 SH   SOLE   0 0 6,623