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
SPDR PORTFOLIO PORTFOLIO S&P500 78464A854   119,760,650 1,946,378 SH   SOLE   6,034 0 1,940,344
ISHARES S&P CORE S&P US GWT 464287671   45,361,813 387,013 SH   SOLE   1,870 0 385,142
SPDR PORTFOLIO PRTFLO S&P500 VL 78464A508   26,875,766 536,442 SH   SOLE   1,707 0 534,734
ISHARES CORE CORE TOTAL USD 46434V613   19,206,273 421,282 SH   SOLE   3,009 0 418,273
ISHARES TR 10+ YR INVST GRD 464289511   17,402,278 337,842 SH   SOLE   2,979 0 334,863
BERKSHIRE HATHAWAY CL B NEW 084670702   16,212,294 38,552 SH   SOLE   172 0 38,380
SPDR PORTFOLIO PORTFOLIO LN TSR 78464A664   12,760,428 456,707 SH   SOLE   2,020 0 454,687
INVESCO QQQ UNIT SER 1 46090E103   9,211,561 20,746 SH   SOLE   0 0 20,746
ISHARES MSCI MSCI USA QLT FCT 46432F339   7,652,148 46,560 SH   SOLE   272 0 46,287
SPDR PORTFOLIO PORTFOLIO AGRGTE 78464A649   7,236,873 286,269 SH   SOLE   473 0 285,796
ISHARES S&P S&P 100 ETF 464287101   7,177,551 29,010 SH   SOLE   180 0 28,830
BLACKROCK U S US EQT FACTOR 09290C103   6,670,064 150,226 SH   SOLE   245 0 149,981
VANGUARD DIVIDEND DIV APP ETF 921908844   5,710,038 31,269 SH   SOLE   567 0 30,701
INVESCO EXCHANGE S&P500 LOW VOL 46138E354   4,712,889 71,548 SH   SOLE   451 0 71,097
ABBVIE INC COM 00287Y109   4,372,970 24,014 SH   SOLE   8 0 24,006
COLUMBIA EM EM CORE EX ETF 19762B202   4,040,306 129,910 SH   SOLE   205 0 129,705
ISHARES GLOBAL GLOBAL ENERG ETF 464287341   3,639,132 84,729 SH   SOLE   311 0 84,418
SPDR PORTFOLIO PORTFOLIO DEVLPD 78463X889   3,388,595 94,547 SH   SOLE   613 0 93,934
APPLE INC COM 037833100   3,296,135 19,221 SH   SOLE   97 0 19,124
SPDR S&P TR UNIT 78462F103   2,929,225 5,600 SH   SOLE   0 0 5,600
VANGUARD RUSSELL VNG RUS1000GRW 92206C680   2,790,466 32,196 SH   SOLE   0 0 32,196
PROCTER & GAMBLE COM 742718109   2,676,837 16,498 SH   SOLE   4,923 0 11,575
ISHARES INVESTMENT INVESTMENT GRADE 46435G219   2,462,178 54,897 SH   SOLE   27 0 54,870
MICROSOFT CORP COM 594918104   2,434,036 5,785 SH   SOLE   50 0 5,735
ABBOTT LABORATORIES COM 002824100   2,319,741 20,409 SH   SOLE   0 0 20,409
ISHARES 7-10YR 7-10 YR TRSY BD 464287440   2,276,394 24,048 SH   SOLE   0 0 24,048
VANGUARD RUSSELL VNG RUS1000VAL 92206C714   2,273,582 28,911 SH   SOLE   0 0 28,911
META PLATFORMS CL A 30303M102   2,148,719 4,425 SH   SOLE   0 0 4,425
PIMCO DYNAMIC SHS 72201Y101   2,131,524 110,498 SH   SOLE   0 0 110,498
NVIDIA CORP COM 67066G104   2,129,153 2,356 SH   SOLE   0 0 2,356
VANGUARD FTSE ALLWRLD EX US 922042775   2,113,104 36,029 SH   SOLE   0 0 36,029
ISHARES RUSSELL RUS MD CP GR ETF 464287481   2,093,372 18,340 SH   SOLE   0 0 18,340
QUALCOMM INC COM 747525103   2,000,748 11,817 SH   SOLE   0 0 11,817
SPDR NUVEEN NUVEEN BLOOMBERG 78464A284   1,917,223 74,629 SH   SOLE   1,498 0 73,131
ISHARES CORE CORE DIV GRWTH 46434V621   1,791,387 30,854 SH   SOLE   0 0 30,854
SPDR PORTFOLIO PORTFOLI S&P1500 78464A805   1,630,409 25,415 SH   SOLE   245 0 25,170
BROADCOM INC COM 11135F101   1,623,175 1,224 SH   SOLE   0 0 1,224
ISHARES CORE CORE S&P US VLU 464287663   1,559,922 17,248 SH   SOLE   0 0 17,248
ALPHABET INC CAP STK CL C 02079K107   1,505,123 9,885 SH   SOLE   0 0 9,885
ISHARES MSCI MSCI EAFE ETF 464287465   1,495,536 18,726 SH   SOLE   0 0 18,726
INVESCO NASDAQ NASDAQ 100 ETF 46138G649   1,301,433 7,123 SH   SOLE   0 0 7,123
JPMORGAN CHASE COM 46625H100   1,292,431 6,452 SH   SOLE   0 0 6,452
SPDR BLOOMBERG BLOOMBERG 1-3 MO 78468R663   1,219,654 13,286 SH   SOLE   0 0 13,286
LOWES COMPANIES COM 548661107   1,156,501 4,540 SH   SOLE   70 0 4,470
RIVERNORTH OPPORTUNITIES COM 76881Y109   1,153,442 95,800 SH   SOLE   0 0 95,800
SCHWAB INTERMEDIATE INT-TRM U.S TRES 808524854   999,993 20,387 SH   SOLE   0 0 20,387
ISHARES TECHNOLOGY U.S. TECH ETF 464287721   922,192 6,827 SH   SOLE   0 0 6,827
ISHARES CORE CORE MSCI EAFE 46432F842   915,640 12,336 SH   SOLE   0 0 12,336
AMAZON COM COM 023135106   879,896 4,878 SH   SOLE   0 0 4,878
GUGGENHEIM STRATEGIC COM SBI 40167F101   867,163 60,556 SH   SOLE   0 0 60,556
VANGUARD TOTAL TOTAL STK MKT 922908769   865,708 3,330 SH   SOLE   0 0 3,330
ISHARES CORE CORE S&P500 ETF 464287200   843,882 1,605 SH   SOLE   0 0 1,605
ISHARES U S US TREAS BD ETF 46429B267   840,782 36,925 SH   SOLE   552 0 36,372
SPDR MSCI PORTFLI MSCI GBL 78463X475   828,537 13,882 SH   SOLE   122 0 13,760
SPDR S&P UTSER1 S&PDCRP 78467Y107   817,814 1,469 SH   SOLE   0 0 1,469
ISHARES NATIONAL NATIONAL MUN ETF 464288414   798,170 7,417 SH   SOLE   0 0 7,417
VANGUARD RUSSELL VNG RUS3000IDX 92206C599   792,219 3,400 SH   SOLE   0 0 3,400
ISHARES CORE CORE US AGGBD ET 464287226   790,383 8,070 SH   SOLE   0 0 8,070
HOME DEPOT COM 437076102   777,822 2,027 SH   SOLE   0 0 2,027
BLACKROCK FLEXIBLE FLEXIBLE INCOME 092528603   757,370 14,437 SH   SOLE   17 0 14,420
INVESCO S&P S&P500 EQL WGT 46137V357   734,204 4,334 SH   SOLE   0 0 4,334
ISHARES CORE CORE S&P SCP ETF 464287804   731,033 6,614 SH   SOLE   0 0 6,614
ISHARES CORE CORE S&P MCP ETF 464287507   711,133 11,707 SH   SOLE   0 0 11,707
ISHARES MSCI MSCI USA MIN VOL 46429B697   700,855 8,385 SH   SOLE   225 0 8,159
INVESCO BULLETSHARES BULSHS 2024 CB 46138J841   680,994 32,474 SH   SOLE   0 0 32,474
VANGUARD S&P S&P 500 ETF SHS 922908363   642,604 1,336 SH   SOLE   0 0 1,336
INTL BUSINESS COM 459200101   631,691 3,307 SH   SOLE   0 0 3,307
EXXON MOBIL COM 30231G102   630,476 5,423 SH   SOLE   0 0 5,423
CATERPILLAR INC COM 149123101   605,403 1,652 SH   SOLE   0 0 1,652
VISA INC COM CL A 92826C839   554,588 1,987 SH   SOLE   0 0 1,987
INVESCO LTD SHS G491BT108   548,701 33,074 SH   SOLE   0 0 33,074
SALESFORCE INC COM 79466L302   548,680 1,821 SH   SOLE   0 0 1,821
VANGUARD RUSSELL VNG RUS2000IDX 92206C664   540,044 6,349 SH   SOLE   0 0 6,349
PHILLIPS 66 COM 718546104   528,967 3,238 SH   SOLE   0 0 3,238
TESLA INC COM 88160R101   509,617 2,899 SH   SOLE   0 0 2,899
SPDR PORTFOLIO PRTFLO S&P500 GW 78464A409   486,626 6,652 SH   SOLE   0 0 6,652
ISHARES JPMORGAN JPMORGAN USD EMG 464288281   481,723 5,372 SH   SOLE   19 0 5,353
ISHARES CORE CORE HIGH DV ETF 46429B663   469,277 4,258 SH   SOLE   0 0 4,258
HUMANA INC COM 444859102   464,507 1,339 SH   SOLE   0 0 1,339
ISHARES CORE CORE S&P TTL STK 464287150   426,002 3,694 SH   SOLE   0 0 3,694
ALIBABA GROUP SPONSORED ADS 01609W102   422,963 5,845 SH   SOLE   0 0 5,845
GLOBAL X NASDAQ 100 COVER 37954Y483   422,058 23,565 SH   SOLE   0 0 23,565
LAM RESEARCH CORPORATION COM 512807108   420,718 433 SH   SOLE   0 0 433
WALT DISNEY COM 254687106   411,882 3,366 SH   SOLE   0 0 3,366
ISHARES HIGH HIGH YLD SYSTM B 46435G250   402,063 8,605 SH   SOLE   0 0 8,605
WASTE MANAGEMENT COM 94106L109   400,182 1,877 SH   SOLE   0 0 1,877
SPDR NUVEEN NUVEEN BLMBRG SH 78468R739   395,159 8,329 SH   SOLE   29 0 8,300
SPDR PORTFOLIO PORTFOLIO S&P600 78468R853   388,405 9,024 SH   SOLE   0 0 9,024
ADVANCED MICRO COM 007903107   382,460 2,119 SH   SOLE   0 0 2,119
PEPSICO INC COM 713448108   377,106 2,154 SH   SOLE   0 0 2,154
SPDR GOLD GOLD SHS 78463V107   359,804 1,749 SH   SOLE   0 0 1,749
UNITED RENTALS COM 911363109   353,360 490 SH   SOLE   0 0 490
SPDR CORP PORTFOLIO CRPORT 78464A144   353,303 12,136 SH   SOLE   0 0 12,136
SPDR PORTFOLIO PORTFOLIO S&P400 78464A847   351,764 6,594 SH   SOLE   0 0 6,594
VANGUARD VALUE VALUE ETF 922908744   351,346 2,157 SH   SOLE   0 0 2,157
ISHARES MSCI MSCI KLD400 SOC 464288570   340,827 3,380 SH   SOLE   0 0 3,380
PAYPAL HOLDINGS COM 70450Y103   336,892 5,029 SH   SOLE   0 0 5,029
BROOKFIELD REAL SHS BEN INT 112830104   334,564 25,894 SH   SOLE   0 0 25,894
DRAFTKINGS INC COM CL A 26142V105   327,090 7,203 SH   SOLE   0 0 7,203
ISHARES MSCI MSCI USA MMENTM 46432F396   323,666 1,727 SH   SOLE   7 0 1,720
ISHARES RUSSELL RUSSELL 2000 ETF 464287655   320,438 1,523 SH   SOLE   0 0 1,523
JOHNSON & JOHNSON COM 478160104   316,137 1,998 SH   SOLE   0 0 1,998
SECTOR HEALTHCARE SBI HEALTHCARE 81369Y209   309,969 2,098 SH   SOLE   7 0 2,091
INTUIT INC COM 461202103   305,795 470 SH   SOLE   0 0 470
BOEING COMPANY COM 097023105   303,638 1,573 SH   SOLE   0 0 1,573
REPUBLIC SERVICES COM 760759100   286,061 1,494 SH   SOLE   0 0 1,494
SPDR PORTFOLIO PORTFOLIO EMG MK 78463X509   281,543 7,779 SH   SOLE   0 0 7,779
SPDR PORTFOLIO PRTFLO S&P500 HI 78468R788   279,629 6,868 SH   SOLE   0 0 6,868
MASTERCARD INC CL A 57636Q104   279,556 580 SH   SOLE   0 0 580
WALMART INC COM 931142103   276,979 4,603 SH   SOLE   0 0 4,603
ISHARES RUSSELL RUS MID CAP ETF 464287499   273,109 3,247 SH   SOLE   0 0 3,247
VANGUARD GROWTH GROWTH ETF 922908736   272,363 791 SH   SOLE   0 0 791
CARRIER GLOBAL COM 14448C104   268,467 4,618 SH   SOLE   0 0 4,618
SEAGATE TECHNOLOGY ORD SHS G7997R103   264,322 2,840 SH   SOLE   0 0 2,840
SMARTFINANCIAL INC COM NEW 83190L208   259,094 12,296 SH   SOLE   0 0 12,296
INVESCO S&P S&P MDCP MOMNTUM 46137V464   252,134 2,195 SH   SOLE   0 0 2,195
BLOCK INC CL A 852234103   241,055 2,850 SH   SOLE   0 0 2,850
CUMMINS INC COM 231021106   237,368 805 SH   SOLE   0 0 805
ELI LILLY COM 532457108   231,940 298 SH   SOLE   0 0 298
COSTCO WHOLESALE COM 22160K105   229,354 313 SH   SOLE   0 0 313
INVESCO BULLETSHARES BULSHS 2024 HY 46138J833   224,578 9,880 SH   SOLE   0 0 9,880
LKQ CORP COM 501889208   215,246 4,030 SH   SOLE   0 0 4,030
SPDR BLOOMBERG BLOOMBERG INTL T 78464A516   213,441 9,597 SH   SOLE   0 0 9,597
DEERE & CO COM 244199105   202,778 493 SH   SOLE   0 0 493
EASTMAN KODAK COM NEW 277461406   79,200 16,000 SH   SOLE   0 0 16,000
GERON CORP COM 374163103   49,500 15,000 SH   SOLE   0 0 15,000
FORD MOTOR COM 345370860   139,389 10,496 SH   SOLE   0 0 10,496
COMMUNITY HEALTH COM 203668108   35,000 10,000 SH   SOLE   0 0 10,000