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
BRITISH AMERN TOB PLC SPONSORED ADR 110448107   302,121 10,315 SH   DFND 2 0 0 10,315
CHEVRON CORP NEW COM 166764100   200,447 1,344 SH   DFND 2 0 0 1,344
COCA COLA CO COM 191216100   362,138 6,145 SH   DFND 2 0 0 6,145
COMERICA INC COM 200340107   679,152 12,169 SH   SOLE   0 0 12,169
DBX ETF TR XTRACK MSCI EAFE 233051200   419,797 11,352 SH   SOLE   0 0 11,352
DISNEY WALT CO COM 254687106   269,617 2,986 SH   DFND 2 0 0 2,986
FIDELITY COVINGTON TRUST FIDELITY GROWTH 316092337   233,315 12,300 SH   SOLE   0 0 12,300
FIDELITY COVINGTON TRUST BLUE CHIP GRWTH 316092352   450,287 13,518 SH   SOLE   0 0 13,518
FIDELITY COVINGTON TRUST VLU FACTOR ETF 316092782   264,717 4,995 SH   SOLE   0 0 4,995
FIDELITY COVINGTON TRUST MSCI INFO TECH I 316092808   6,158,545 42,875 SH   SOLE   0 0 42,875
GILEAD SCIENCES INC COM 375558103   593,372 7,324 SH   DFND 2 0 0 7,324
HOME DEPOT INC COM 437076102   300,670 867 SH   DFND 2 0 0 867
INTEL CORP COM 458140100   353,131 7,027 SH   DFND 2 0 0 7,027
ISHARES GOLD TR ISHARES NEW 464285204   665,014 17,039 SH   DFND 2 0 0 17,039
ISHARES INC MSCI BRAZIL ETF 464286400   526,246 15,053 SH   SOLE   0 0 15,053
ISHARES INC MSCI EMERG MRKT 464286533   575,293 10,349 SH   SOLE   0 0 10,349
ISHARES INC MSCI EQUAL WEITE 464286681   242,887 2,876 SH   DFND 2 0 0 2,876
ISHARES TR CORE S&P500 ETF 464287200   17,358,160 36,342 SH   DFND 2 0 0 36,342
ISHARES TR IBOXX INV CP ETF 464287242   723,219 6,536 SH   DFND 2 0 0 6,536
ISHARES TR 7-10 YR TRSY BD 464287440   734,919 7,624 SH   DFND 2 0 0 7,624
ISHARES TR 1 3 YR TREAS BD 464287457   943,020 11,495 SH   SOLE   0 0 11,495
ISHARES TR CORE S&P MCP ETF 464287507   319,277 1,152 SH   SOLE   0 0 1,152
ISHARES TR ISHARES SEMICDTR 464287523   300,680 522 SH   SOLE   0 0 522
ISHARES TR COHEN STEER REIT 464287564   204,259 3,478 SH   SOLE   0 0 3,478
ISHARES TR GLOBAL 100 ETF 464287572   494,931 6,147 SH   SOLE   0 0 6,147
ISHARES TR RUS 2000 GRW ETF 464287648   466,075 1,848 SH   SOLE   0 0 1,848
ISHARES TR NATIONAL MUN ETF 464288414   395,825 3,651 SH   DFND 2 0 0 3,651
ISHARES TR MBS ETF 464288588   981,201 10,429 SH   DFND 2 0 0 10,429
ISHARES TR ISHS 1-5YR INVS 464288646   310,012 6,046 SH   DFND 2 0 0 6,046
ISHARES TR 10-20 YR TRS ETF 464288653   4,579,794 42,304 SH   SOLE   0 0 42,304
ISHARES TR EAFE VALUE ETF 464288877   388,498 7,457 SH   SOLE   0 0 7,457
ISHARES TR EAFE GRWTH ETF 464288885   206,186 2,129 SH   SOLE   0 0 2,129
KEYCORP COM 493267108   165,576 11,498 SH   SOLE   0 0 11,498
KIMBERLY-CLARK CORP COM 494368103   1,430,900 11,776 SH   DFND 2 0 0 11,776
LAM RESEARCH CORP COM 512807108   222,276 284 SH   DFND 2 0 0 284
ELI LILLY & CO COM 532457108   546,426 937 SH   DFND 2 0 0 937
MARATHON DIGITAL HOLDINGS IN COM 565788106   473,253 20,147 SH   DFND 2 0 0 20,147
MCDONALDS CORP COM 580135101   379,049 1,278 SH   DFND 2 0 0 1,278
MICROSOFT CORP COM 594918104   1,383,027 3,678 SH   DFND 2 0 0 3,678
OCCIDENTAL PETE CORP COM 674599105   661,746 11,083 SH   DFND 2 0 0 11,083
POLESTAR AUTOMOTIVE HLDG UK ADS A 731105201   22,600 10,000 SH   SOLE   0 0 10,000
PROCTER AND GAMBLE CO COM 742718109   301,172 2,055 SH   DFND 2 0 0 2,055
RIOT PLATFORMS INC COM 767292105   258,738 16,725 SH   SOLE   0 0 16,725
SHELL PLC SPON ADS 780259305   208,250 3,165 SH   DFND 2 0 0 3,165
SCHWAB STRATEGIC TR US REIT ETF 808524847   500,032 24,144 SH   DFND 2 0 0 24,144
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   222,435 4,591 SH   DFND 2 0 0 4,591
SCHWAB STRATEGIC TR US TIPS ETF 808524870   434,326 8,321 SH   DFND 2 0 0 8,321
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888   471,804 13,523 SH   DFND 2 0 0 13,523
UNION PAC CORP COM 907818108   384,160 1,564 SH   DFND 2 0 0 1,564
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   655,757 3,848 SH   SOLE   0 0 3,848
VANGUARD WELLINGTON FD SHORT TRM TAX EX 921935870   305,459 3,012 SH   SOLE   0 0 3,012
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   384,521 8,027 SH   DFND 2 0 0 8,027
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810   519,712 6,550 SH   SOLE   0 0 6,550
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   436,966 10,632 SH   DFND 2 0 0 10,632
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   570,122 11,168 SH   DFND 2 0 0 11,168
VANGUARD INDEX FDS MID CAP ETF 922908629   315,324 1,355 SH   SOLE   0 0 1,355
WALMART INC COM 931142103   303,339 1,924 SH   DFND 2 0 0 1,924
WALGREENS BOOTS ALLIANCE INC COM 931427108   241,776 9,260 SH   DFND 2 0 0 9,260
WELLS FARGO CO NEW COM 949746101   249,016 5,059 SH   DFND 2 0 0 5,059
ZIONS BANCORPORATION N A COM 989701107   451,904 10,301 SH   SOLE   0 0 10,301
AB ACTIVE ETFS INC HIGH YIELD ETF 00039J608   999,944 27,397 SH   SOLE   0 0 27,397
AT&T INC COM 00206R102   323,211 19,262 SH   DFND 2 0 0 19,262
ABRDN ETFS BBRG ALL COMD K1 003261104   513,524 26,525 SH   DFND 2 0 0 26,525
ADOBE INC COM 00724F101   597,943 1,002 SH   DFND 2 0 0 1,002
ADVANCED MICRO DEVICES INC COM 007903107   776,659 5,269 SH   DFND 2 0 0 5,269
ALLY FINL INC COM 02005N100   272,020 7,790 SH   SOLE   0 0 7,790
ALPHABET INC CAP STK CL A 02079K305   1,010,235 7,232 SH   DFND 2 0 0 7,232
ALTRIA GROUP INC COM 02209S103   468,703 11,619 SH   DFND 2 0 0 11,619
AMAZON COM INC COM 023135106   1,485,166 9,775 SH   DFND 2 0 0 9,775
APPLE INC COM 037833100   3,323,855 17,264 SH   DFND 2 0 0 17,264
APPLIED MATLS INC COM 038222105   234,045 1,444 SH   DFND 2 0 0 1,444
AUTOMATIC DATA PROCESSING IN COM 053015103   245,631 1,054 SH   DFND 2 0 0 1,054
BP PLC SPONSORED ADR 055622104   200,628 5,668 SH   DFND 2 0 0 5,668
BARRICK GOLD CORP COM 067901108   624,584 34,526 SH   DFND 2 0 0 34,526
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   352,805 989 SH   DFND 2 0 0 989
BOEING CO COM 097023105   1,029,086 3,948 SH   SOLE   0 0 3,948
CAPITAL GROUP INTL FOCUS EQT SHS CREATION UNI 14019W109   461,768 19,345 SH   SOLE   0 0 19,345
CHENIERE ENERGY INC COM NEW 16411R208   483,847 2,834 SH   SOLE   0 0 2,834
CROWDSTRIKE HLDGS INC CL A 22788C105   884,432 3,464 SH   SOLE   0 0 3,464
DIREXION SHS ETF TR DLY S&P500 BR 3X 25460E265   189,391 16,398 SH   SOLE   0 0 16,398
DOUBLELINE ETF TRUST SHILLER CAPE U S 25861R204   543,062 20,470 SH   SOLE   0 0 20,470
EXCHANGE LISTED FDS TR CABANA TARGET 16 30151E681   273,507 11,784 SH   DFND 1 0 0 11,784
EXXON MOBIL CORP COM 30231G102   802,673 8,029 SH   DFND 2 0 0 8,029
META PLATFORMS INC CL A 30303M102   1,279,722 3,615 SH   DFND 2 0 0 3,615
FIRST TR EXCHANGE-TRADED FD NASDAQ BUYWRITE 33738R407   1,213,896 61,246 SH   SOLE   0 0 61,246
FRANKLIN TEMPLETON ETF TR INTL COR DIV TIL 35473P108   1,351,761 43,974 SH   SOLE   0 0 43,974
INVESCO QQQ TR UNIT SER 1 46090E103   5,240,531 12,797 SH   SOLE   0 0 12,797
INVESCO EXCHANGE TRADED FD T S&P500 EQL TEC 46137V282   750,292 22,987 SH   SOLE   0 0 22,987
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   1,040,884 6,596 SH   SOLE   0 0 6,596
INVESCO EXCHANGE TRADED FD T S&P 500 GARP ETF 46137V431   6,491,940 66,217 SH   SOLE   0 0 66,217
INVESCO EXCHANGE TRADED FD T S&P MDCP VLU MNT 46137V456   482,909 9,593 SH   SOLE   0 0 9,593
ISHARES TR MSCI USA MIN VOL 46429B697   892,228 11,434 SH   SOLE   0 0 11,434
ISHARES INC MSCI JPN ETF NEW 46434G822   525,651 8,195 SH   SOLE   0 0 8,195
ISHARES TR MSCI INTL QUALTY 46434V456   637,207 16,965 SH   SOLE   0 0 16,965
ISHARES TR CORE DIV GRWTH 46434V621   457,889 8,508 SH   SOLE   0 0 8,508
ISHARES TR BLACKROCK ULTRA 46434V878   3,213,075 63,802 SH   SOLE   0 0 63,802
ISHARES TR CORE INTL AGGR 46435G672   334,705 6,721 SH   DFND 2 0 0 6,721
ISHARES TR BROAD USD HIGH 46435U853   456,229 12,551 SH   DFND 2 0 0 12,551
JPMORGAN CHASE & CO COM 46625H100   933,887 5,490 SH   DFND 2 0 0 5,490
J P MORGAN EXCHANGE TRADED F ACTIVE VALUE ETF 46641Q167   6,595,459 118,581 SH   SOLE   0 0 118,581
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332   2,500,859 45,487 SH   SOLE   0 0 45,487
J P MORGAN EXCHANGE TRADED F ULTRA SHT MUNCPL 46641Q654   701,937 13,834 SH   SOLE   0 0 13,834
J P MORGAN EXCHANGE TRADED F US VALUE FACTR 46641Q753   209,778 5,437 SH   SOLE   0 0 5,437
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   806,561 16,057 SH   DFND 2 0 0 16,057
JOHN HANCOCK EXCHANGE TRADED MULTIFACTOR MI 47804J206   1,112,636 21,129 SH   SOLE   0 0 21,129
MERCK & CO INC COM 58933Y105   316,938 2,907 SH   DFND 2 0 0 2,907
NIO INC SPON ADS 62914V106   557,453 61,461 SH   DFND 2 0 0 61,461
NVIDIA CORPORATION COM 67066G104   1,106,804 2,235 SH   DFND 2 0 0 2,235
PACER FDS TR PACER US SMALL 69374H857   1,239,687 25,811 SH   SOLE   0 0 25,811
PACER FDS TR US CASH COWS 100 69374H881   6,123,146 117,775 SH   SOLE   0 0 117,775
PIMCO ETF TR ACTIVE BD ETF 72201R775   222,951 2,412 SH   SOLE   0 0 2,412
PIMCO ETF TR INTER MUN BD ACT 72201R866   1,019,888 19,316 SH   SOLE   0 0 19,316
PROSHARES TR S&P MDCP 400 DIV 74347B680   2,167,359 29,460 SH   SOLE   0 0 29,460
PROSHARES TR ULTRAPRO SHT QQQ 74347G432   632,816 47,049 SH   SOLE   0 0 47,049
PROSHARES TR PSHS ULT SEMICDT 74347R669   338,275 6,216 SH   SOLE   0 0 6,216
SPDR S&P 500 ETF TR TR UNIT 78462F103   342,699 721 SH   SOLE   0 0 721
SPDR GOLD TR GOLD SHS 78463V107   332,827 1,741 SH   SOLE   0 0 1,741
SPDR SER TR S&P BIOTECH 78464A870   345,536 3,870 SH   SOLE   0 0 3,870
SNAP INC CL A 83304A106   312,249 18,444 SH   SOLE   0 0 18,444
TESLA INC COM 88160R101   1,116,539 4,493 SH   DFND 2 0 0 4,493
TG THERAPEUTICS INC COM 88322Q108   500,149 29,283 SH   SOLE   0 0 29,283
TILRAY BRANDS INC COM 88688T100   122,772 53,379 SH   SOLE   0 0 53,379
TRUIST FINL CORP COM 89832Q109   255,128 6,910 SH   SOLE   0 0 6,910
UBER TECHNOLOGIES INC COM 90353T100   681,396 11,067 SH   DFND 2 0 0 11,067
UNITEDHEALTH GROUP INC COM 91324P102   447,538 850 SH   DFND 2 0 0 850
VANECK ETF TRUST MRNGSTR WDE MOAT 92189F643   208,695 2,459 SH   SOLE   0 0 2,459
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   966,655 19,582 SH   DFND 2 0 0 19,582
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504   383,023 1,528 SH   SOLE   0 0 1,528
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   750,244 12,863 SH   DFND 2 0 0 12,863
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   1,087,653 14,058 SH   DFND 2 0 0 14,058
VANGUARD SCOTTSDALE FDS VNG RUS2000IDX 92206C664   211,313 2,605 SH   DFND 2 0 0 2,605
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706   916,344 15,448 SH   DFND 2 0 0 15,448
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771   299,248 6,455 SH   DFND 2 0 0 6,455
VANGUARD SCOTTSDALE FDS LG-TERM COR BD 92206C813   1,113,995 13,899 SH   SOLE   0 0 13,899
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   1,081,128 13,301 SH   DFND 2 0 0 13,301
VERIZON COMMUNICATIONS INC COM 92343V104   249,977 6,631 SH   DFND 2 0 0 6,631
PARAMOUNT GLOBAL CLASS B COM 92556H206   193,290 13,069 SH   SOLE   0 0 13,069
VICTORY PORTFOLIOS II VCSHS US LRG CAP 92647N865   1,038,425 17,763 SH   SOLE   0 0 17,763
WISDOMTREE TR EMG MKTS SMCAP 97717W281   1,118,997 22,416 SH   SOLE   0 0 22,416
WISDOMTREE TR US QTLY DIV GRT 97717X669   16,209,434 230,641 SH   SOLE   0 0 230,641
WISDOMTREE TR FLOATNG RAT TREA 97717Y527   1,975,692 39,325 SH   SOLE   0 0 39,325
AMCOR PLC ORD G0250X107   257,707 26,733 SH   DFND 2 0 0 26,733
HERBALIFE LTD COM SHS G4412G101   311,918 20,440 SH   DFND 2 0 0 20,440