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
Estimated average burden
hours per response: 23.8
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
DTE ENERGY CO COM 233331107   2,328,699 20,766 SH   SOLE   16,625 0 4,141
EBAY INC. COM 278642103   798,902 15,136 SH   SOLE   14,243 0 893
FIRST TR EXCHANGE TRADED FD CLOUD COMPUTING 33734X192   10,611 111 SH   SOLE   0 0 111
FORTUNE BRANDS INNOVATIONS I COM 34964C106   1,708,417 20,177 SH   SOLE   18,951 0 1,226
GENERAL DYNAMICS CORP COM 369550108   4,579,083 16,209 SH   SOLE   10,113 0 6,096
GLOBAL X FDS AUTONMOUS EV ETF 37954Y624   7,854 318 SH   SOLE   0 0 318
GLOBAL X FDS US INFR DEV ETF 37954Y673   1,838,807 46,189 SH   SOLE   1,068 0 45,121
GOLDMAN SACHS ETF TR ACCESS INVT GR 381430479   31,503,522 687,992 SH   SOLE   505,314 0 182,678
GOLDMAN SACHS ETF TR ACTIVEBETA US LG 381430503   17,706,945 170,603 SH   SOLE   117,595 0 53,008
INTERPUBLIC GROUP COS INC COM 460690100   2,418,894 74,131 SH   SOLE   54,647 0 19,484
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   42,185,931 249,075 SH   SOLE   160,815 0 88,260
ISHARES TR 10-20 YR TRS ETF 464288653   7,948,231 75,675 SH   SOLE   55,584 0 20,091
ISHARES TR MBS ETF 464288588   21,825,195 236,152 SH   SOLE   173,438 0 62,713
ISHARES TR RUS 1000 VAL ETF 464287598   5,100,168 28,475 SH   SOLE   626 0 27,849
JANUS DETROIT STR TR HENDERSON MTG 47103U852   24,940,574 553,006 SH   SOLE   406,173 0 146,833
KINDER MORGAN INC DEL COM 49456B101   18,340 1,000 SH   SOLE   0 0 1,000
LISTED FD TR CORE ALT FD 53656F847   31,765 1,200 SH   SOLE   0 0 1,200
MONDELEZ INTL INC CL A 609207105   1,407,140 20,102 SH   SOLE   18,878 0 1,224
PROCTER AND GAMBLE CO COM 742718109   1,455,365 8,969 SH   SOLE   6,987 0 1,982
SELECT SECTOR SPDR TR INDL 81369Y704   8,018 63 SH   SOLE   0 0 63
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109   2,157,560 5,424 SH   SOLE   105 0 5,319
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   9,948,614 17,880 SH   SOLE   15,795 0 2,085
SPDR SER TR PORTFLI HIGH YLD 78468R606   2,780,782 118,532 SH   SOLE   2,283 0 116,249
T-MOBILE US INC COM 872590104   758,339 4,646 SH   SOLE   80 0 4,566
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   13,058 151 SH   SOLE   0 0 151
VANGUARD INDEX FDS SMALL CP ETF 922908751   5,028 22 SH   SOLE   0 0 22
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   18,266,795 437,318 SH   SOLE   303,877 0 133,440
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   3,044,956 52,435 SH   SOLE   917 0 51,518
VERIZON COMMUNICATIONS INC COM 92343V104   26,361 628 SH   SOLE   0 0 628
APPLIED MATLS INC COM 038222105   1,430,823 6,938 SH   SOLE   6,513 0 425
BRISTOL-MYERS SQUIBB CO COM 110122108   1,734,169 31,978 SH   SOLE   23,150 0 8,828
CAPITAL ONE FINL CORP COM 14040H105   962,871 6,467 SH   SOLE   6,077 0 390
CARNIVAL CORP UNIT 99/99/9999 143658300   1,666 102 SH   SOLE   0 0 102
ECOLAB INC COM 278865100   908,591 3,935 SH   SOLE   3,696 0 239
ELI LILLY & CO COM 532457108   616,144 792 SH   SOLE   16 0 776
FIRST TR EXCHANGE TRADED FD ENERGY ALPHADX 33734X127   5,787 309 SH   SOLE   0 0 309
FIRST TR EXCHANGE TRADED FD INDXX NEXTG ETF 33737K205   21,003 265 SH   SOLE   0 0 265
FIRST TR EXCHANGE-TRADED FD NO AMER ENERGY 33738D101   9,327,956 315,880 SH   SOLE   223,314 0 92,566
FIRST TR EXCHANGE-TRADED FD SMID RISNG ETF 33741X102   5,719,308 164,253 SH   SOLE   3,644 0 160,609
GILEAD SCIENCES INC COM 375558103   821,477 11,214 SH   SOLE   10,537 0 677
HESS CORP COM 42809H107   177 1 SH   SOLE   1 0 0
HONEYWELL INTL INC COM 438516106   1,277,517 6,224 SH   SOLE   5,846 0 378
HUNTINGTON BANCSHARES INC COM 446150104   2,145,328 153,787 SH   SOLE   113,536 0 40,251
INVESCO INDIA EXCHANGE-TRADE INDIA ETF 46137R109   1,825,516 68,294 SH   SOLE   1,484 0 66,810
ISHARES SILVER TR ISHARES 46428Q109   1,665,118 73,192 SH   SOLE   51,463 0 21,729
ISHARES TR 1 3 YR TREAS BD 464287457   7,638,291 93,400 SH   SOLE   68,608 0 24,791
ISHARES TR 3 7 YR TREAS BD 464288661   4,627,940 39,961 SH   SOLE   29,343 0 10,617
ISHARES TR AGENCY BOND ETF 464288166   10,782,859 99,795 SH   SOLE   73,287 0 26,507
ISHARES TR MODERT ALLOC ETF 464289875   17,411 407 SH   SOLE   0 0 407
ISHARES TR RUS 1000 GRW ETF 464287614   323,377 959 SH   SOLE   0 0 959
ISHARES TR RUSSELL 2000 ETF 464287655   737,522 3,507 SH   SOLE   2,734 0 773
LYONDELLBASELL INDUSTRIES N SHS - A - N53745100   1,829,789 17,890 SH   SOLE   13,175 0 4,715
MCDONALDS CORP COM 580135101   1,763,916 6,256 SH   SOLE   4,349 0 1,907
METLIFE INC COM 59156R108   0 0 SH   SOLE   0 0 0
MICRON TECHNOLOGY INC COM 595112103   2,461,425 20,879 SH   SOLE   19,623 0 1,256
MICROSOFT CORP COM 594918104   1,094,874 2,602 SH   SOLE   67 0 2,535
MYMD PHARMACEUTICALS INC COM NEW 62856X201   81 34 SH   SOLE   0 0 34
NORFOLK SOUTHN CORP COM 655844108   12,743 50 SH   SOLE   0 0 50
PRUDENTIAL FINL INC COM 744320102   2,038,064 17,360 SH   SOLE   12,803 0 4,557
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   2,240,320 57,414 SH   SOLE   1,415 0 55,999
SCHWAB STRATEGIC TR US TIPS ETF 808524870   3,112,592 59,673 SH   SOLE   43,822 0 15,851
SELECT SECTOR SPDR TR ENERGY 81369Y506   472 5 SH   SOLE   0 0 5
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308   3,894 51 SH   SOLE   0 0 51
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   11,663 56 SH   SOLE   0 0 56
SPDR S&P 500 ETF TR TR UNIT 78462F103   925,310 1,769 SH   SOLE   1,653 0 116
SPDR SER TR PORTFOLIO LN TSR 78464A664   3,502,158 125,345 SH   SOLE   2,463 0 122,882
ABBVIE INC COM 00287Y109   2,039,520 11,200 SH   SOLE   10,526 0 674
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   1,821,088 5,254 SH   SOLE   4,938 0 316
ALPHABET INC CAP STK CL A 02079K305   1,143,445 7,576 SH   SOLE   195 0 7,381
APPLE INC COM 037833100   3,131,484 18,261 SH   SOLE   9,911 0 8,350
BANK AMERICA CORP COM 060505104   1,813,343 47,820 SH   SOLE   44,995 0 2,825
CONOCOPHILLIPS COM 20825C104   1,137,931 8,940 SH   SOLE   8,398 0 542
CORNING INC COM 219350105   1,675,719 50,841 SH   SOLE   37,486 0 13,355
DEERE & CO COM 244199105   347,824 846 SH   SOLE   0 0 846
EOG RES INC COM 26875P101   1,462,119 11,437 SH   SOLE   232 0 11,205
FIRST TR EXCHANGE TRAD FD VI FST TR GLB FD 33739H101   1,755 74 SH   SOLE   0 0 74
FIRST TR EXCHANGE-TRADED FD RBA INDL ETF 33738R704   1,843,646 27,382 SH   SOLE   632 0 26,750
GOLDMAN SACHS ETF TR ACTIVEBETA EME 381430206   14,947,529 476,947 SH   SOLE   331,035 0 145,912
IQVIA HLDGS INC COM 46266C105   2,529,152 10,001 SH   SOLE   9,397 0 604
ISHARES TR 20 YR TR BD ETF 464287432   7,995,098 84,496 SH   SOLE   62,071 0 22,425
ISHARES TR CMBS ETF 46429B366   21,892,698 464,813 SH   SOLE   341,395 0 123,417
ISHARES TR CORE US AGGBD ET 464287226   9,891 101 SH   SOLE   0 0 101
ISHARES TR S&P 500 GRWT ETF 464287309   5,665,956 67,100 SH   SOLE   63,034 0 4,066
ISHARES TR U.S. MED DVC ETF 464288810   56,187 959 SH   SOLE   0 0 959
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   75,069 1,488 SH   SOLE   0 0 1,488
JPMORGAN CHASE & CO COM 46625H100   8,344,237 41,658 SH   SOLE   21,831 0 19,827
LOCKHEED MARTIN CORP COM 539830109   2,461,756 5,412 SH   SOLE   3,987 0 1,425
OMNICOM GROUP INC COM 681919106   2,164,037 22,365 SH   SOLE   21,023 0 1,342
PEPSICO INC COM 713448108   782,644 4,472 SH   SOLE   78 0 4,394
PFIZER INC COM 717081103   2,709,955 97,656 SH   SOLE   80,764 0 16,892
PHILLIPS 66 COM 718546104   1,175,859 7,198 SH   SOLE   183 0 7,015
PIMCO ETF TR ENHAN SHRT MA AC 72201R833   22,018 219 SH   SOLE   0 0 219
PUBLIC SVC ENTERPRISE GRP IN COM 744573106   1,949,441 29,192 SH   SOLE   21,494 0 7,698
RESTAURANT BRANDS INTL INC COM 76131D103   1,456,636 18,334 SH   SOLE   17,207 0 1,127
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407   8,098 44 SH   SOLE   0 0 44
SKYWORKS SOLUTIONS INC COM 83088M102   1,377,666 12,718 SH   SOLE   11,950 0 768
SPDR SER TR S&P REGL BKG 78464A698   2,295,114 45,646 SH   SOLE   31,624 0 14,022
TARGET CORP COM 87612E106   1,819,769 10,269 SH   SOLE   7,570 0 2,699
UNITED PARCEL SERVICE INC CL B 911312106   1,787,424 12,026 SH   SOLE   8,876 0 3,150
VALERO ENERGY CORP COM 91913Y100   2,178,561 12,763 SH   SOLE   5,393 0 7,370
VANGUARD INDEX FDS GROWTH ETF 922908736   33,731 98 SH   SOLE   0 0 98
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538   11,964,592 50,742 SH   SOLE   34,999 0 15,743
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   17,898,059 114,797 SH   SOLE   79,296 0 35,501
VANGUARD INDEX FDS TOTAL STK MKT 922908769   10,655 41 SH   SOLE   11 0 30
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676   4,386,197 104,086 SH   SOLE   73,473 0 30,612
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   51,991,068 1,036,297 SH   SOLE   716,623 0 319,674
WHEATON PRECIOUS METALS CORP COM 962879102   2,356 50 SH   SOLE   0 0 50
WISDOMTREE TR US TOTAL DIVIDND 97717W109   2,234,595 31,597 SH   SOLE   23,437 0 8,160
SSGA ACTIVE TR SPDR DBLELN EMRG 78470P309   2,351,216 55,732 SH   SOLE   40,947 0 14,784
TRAVELERS COMPANIES INC COM 89417E109   3,806,285 16,539 SH   SOLE   13,393 0 3,146
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   8,134 112 SH   SOLE   0 0 112
VANGUARD INDEX FDS MID CAP ETF 922908629   2,998 12 SH   SOLE   0 0 12
VANGUARD INDEX FDS SM CP VAL ETF 922908611   14,164,750 73,820 SH   SOLE   51,066 0 22,753
VANGUARD INDEX FDS SML CP GRW ETF 922908595   8,363,770 32,079 SH   SOLE   22,105 0 9,973
ABRDN PALLADIUM ETF TRUST PHYSICAL PALLADM 003262102   1,763,319 18,855 SH   SOLE   13,346 0 5,509
ABRDN PLATINUM ETF TRUST PHYSCL PLATM SHS 003260106   1,622,039 19,414 SH   SOLE   13,723 0 5,691
ALLIANT ENERGY CORP COM 018802108   1,613,253 32,009 SH   SOLE   23,575 0 8,434
CAMBRIA ETF TR GLB MOMENT ETF 132061508   3,368,612 115,740 SH   SOLE   96,587 0 19,153
CHEVRON CORP NEW COM 166764100   2,526,521 16,017 SH   SOLE   11,803 0 4,214
CISCO SYS INC COM 17275R102   3,104,851 62,209 SH   SOLE   50,911 0 11,298
COMCAST CORP NEW CL A 20030N101   2,304,579 53,162 SH   SOLE   27,657 0 25,505
COSTCO WHSL CORP NEW COM 22160K105   194,146 265 SH   SOLE   0 0 265
CULLEN FROST BANKERS INC COM 229899109   36,970 328 SH   SOLE   0 0 328
DISNEY WALT CO COM 254687106   1,070,650 8,750 SH   SOLE   8,211 0 539
EXXON MOBIL CORP COM 30231G102   2,325,032 20,002 SH   SOLE   14,741 0 5,261
FISERV INC COM 337738108   2,553,763 15,979 SH   SOLE   15,022 0 957
FRANKLIN TEMPLETON ETF TR FTSE JAPAN ETF 35473P744   6,721,749 216,621 SH   SOLE   150,119 0 66,502
GLOBAL X FDS ARTIFICIAL ETF 37954Y632   762,911 22,465 SH   SOLE   392 0 22,073
GOLDMAN SACHS ETF TR ACCES TREASURY 381430529   4,567,259 45,269 SH   SOLE   31,947 0 13,322
HP INC COM 40434L105   1,036,364 34,294 SH   SOLE   32,221 0 2,073
INTERNATIONAL BUSINESS MACHS COM 459200101   1,926,595 10,089 SH   SOLE   7,438 0 2,651
INVESCO QQQ TR UNIT SER 1 46090E103   1,920,343 4,325 SH   SOLE   4,064 0 261
ISHARES TR 7-10 YR TRSY BD 464287440   6,222,168 65,731 SH   SOLE   48,284 0 17,447
ISHARES TR CORE S&P500 ETF 464287200   21,302,510 40,519 SH   SOLE   21,672 0 18,847
ISHARES TR GRWT ALLOCAT ETF 464289867   49,156 883 SH   SOLE   0 0 883
ISHARES TR MSCI EAFE ETF 464287465   9,625,765 120,533 SH   SOLE   110,930 0 9,603
JOHNSON & JOHNSON COM 478160104   3,356,651 21,219 SH   SOLE   14,820 0 6,399
KEURIG DR PEPPER INC COM 49271V100   1,260,168 41,088 SH   SOLE   30,252 0 10,836
LAM RESEARCH CORP COM 512807108   2,879,733 2,964 SH   SOLE   2,786 0 178
LOWES COS INC COM 548661107   2,576,593 10,115 SH   SOLE   9,501 0 614
MANAGED PORTFOLIO SERIES TORTOISE NRAM PI 56167N720   19,564,763 699,741 SH   SOLE   494,963 0 204,777
MERCK & CO INC COM 58933Y105   4,954,878 37,551 SH   SOLE   16,442 0 21,109
MOLINA HEALTHCARE INC COM 60855R100   804,405 1,958 SH   SOLE   34 0 1,924
NOVARTIS AG SPONSORED ADR 66987V109   1,997,087 20,646 SH   SOLE   15,203 0 5,443
SALESFORCE INC COM 79466L302   209,621 696 SH   SOLE   0 0 696
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771   5,458 81 SH   SOLE   0 0 81
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   8,199,749 55,504 SH   SOLE   38,287 0 17,217
SPDR INDEX SHS FDS PORTFLI MSCI GBL 78463X475   7,818 131 SH   SOLE   0 0 131
SPDR INDEX SHS FDS S&P INTL ETF 78463X772   165,070 4,696 SH   SOLE   3,631 0 1,064
TEXAS INSTRS INC COM 882508104   1,848,716 10,612 SH   SOLE   7,829 0 2,783
TRUIST FINL CORP COM 89832Q109   1,720,967 44,150 SH   SOLE   32,577 0 11,573
UNILEVER PLC SPON ADR NEW 904767704   1,975,026 39,351 SH   SOLE   28,548 0 10,803
UNION PAC CORP COM 907818108   1,743,151 7,088 SH   SOLE   6,660 0 428
VANGUARD INDEX FDS VALUE ETF 922908744   21,986 135 SH   SOLE   0 0 135
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   3,893,823 48,364 SH   SOLE   838 0 47,526
WALMART INC COM 931142103   3,062,635 50,899 SH   SOLE   912 0 49,987