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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
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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
APPLE INC COM 037833100   628,989 3,668 SH   SOLE   3,668 0 0
DBX ETF TR XTRACK MSCI EURP 233051853   1,490,895 36,319 SH   SOLE   36,319 0 0
EXXON MOBIL CORP COM 30231G102   228,760 1,968 SH   SOLE   1,968 0 0
FIRST TR EXCH TRADED FD III MANAGD MUN ETF 33739N108   325,314 6,334 SH   SOLE   6,334 0 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2026 MUNI 46138J510   348,198 14,776 SH   SOLE   14,776 0 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2027 MUNI 46138J494   351,561 14,862 SH   SOLE   14,862 0 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2028 MUNI 46138J486   353,327 15,048 SH   SOLE   15,048 0 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2029 MUNI 46138J478   353,318 15,203 SH   SOLE   15,203 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   689,675 4,072 SH   SOLE   4,072 0 0
INVESCO EXCHANGE TRADED FD T LARGE CAP VALUE 46137V738   2,964,987 52,311 SH   SOLE   52,311 0 0
ISHARES TR RUS 1000 GRW ETF 464287614   14,332,714 42,524 SH   SOLE   42,524 0 0
ISHARES TR ISHS 1-5YR INVS 464288646   1,682,753 32,815 SH   SOLE   32,815 0 0
ISHARES TR NATIONAL MUN ETF 464288414   1,202,322 11,174 SH   SOLE   11,174 0 0
ISHARES TR CORE US AGGBD ET 464287226   2,286,115 23,342 SH   SOLE   23,342 0 0
ISHARES TR MSCI EAFE ETF 464287465   252,757 3,165 SH   SOLE   3,165 0 0
J P MORGAN EXCHANGE TRADED F BETABULDRS JAPAN 46641Q217   316,053 5,398 SH   SOLE   5,398 0 0
J P MORGAN EXCHANGE TRADED F BETABUILDERS CDA 46641Q225   249,068 3,728 SH   SOLE   3,728 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   657,896 13,361 SH   SOLE   13,361 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   689,549 8,468 SH   SOLE   8,468 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   8,457,636 40,609 SH   SOLE   40,609 0 0
SELECT SECTOR SPDR TR RL EST SEL SEC 81369Y860   644,655 16,308 SH   SOLE   16,308 0 0
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   4,199,078 28,424 SH   SOLE   28,424 0 0
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308   1,567,136 20,523 SH   SOLE   20,523 0 0
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852   2,721,483 33,327 SH   SOLE   33,327 0 0
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   3,832,752 90,996 SH   SOLE   90,996 0 0
SELECT SECTOR SPDR TR ENERGY 81369Y506   1,526,799 16,172 SH   SOLE   16,172 0 0
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100   787,057 8,473 SH   SOLE   8,473 0 0
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407   3,399,391 18,486 SH   SOLE   18,486 0 0
SELECT SECTOR SPDR TR INDL 81369Y704   2,785,983 22,118 SH   SOLE   22,118 0 0
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886   471,170 7,177 SH   SOLE   7,177 0 0
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   637,089 17,604 SH   SOLE   17,604 0 0
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   2,707,139 75,534 SH   SOLE   75,534 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   2,324,000 4,443 SH   SOLE   4,443 0 0
SPDR SER TR S&P DIVID ETF 78464A763   1,526,059 11,628 SH   SOLE   11,628 0 0
TARGA RES CORP COM 87612G101   1,039,155 9,279 SH   SOLE   9,279 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611   1,848,764 9,635 SH   SOLE   9,635 0 0
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538   2,546,768 10,801 SH   SOLE   10,801 0 0
VANGUARD INDEX FDS SML CP GRW ETF 922908595   1,776,807 6,815 SH   SOLE   6,815 0 0
VANGUARD INDEX FDS VALUE ETF 922908744   8,986,126 55,177 SH   SOLE   55,177 0 0
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   2,779,563 17,828 SH   SOLE   17,828 0 0
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874   3,816,023 56,668 SH   SOLE   56,668 0 0
VANGUARD INTL EQUITY INDEX F FTSE PACIFIC ETF 922042866   2,147,391 28,244 SH   SOLE   28,244 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   3,394,731 81,272 SH   SOLE   81,272 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   239,085 4,725 SH   SOLE   4,725 0 0
WISDOMTREE TR EUROPE HEDGED EQ 97717X701   572,645 11,856 SH   SOLE   11,856 0 0