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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
ABBVIE INC COM 00287Y109   2,220,489 11,244 SH   SOLE   10,572 0 671
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   1,868,187 5,285 SH   SOLE   4,969 0 316
ALPHABET INC CAP STK CL A 02079K305   1,798,554 10,844 SH   SOLE   3,750 0 7,094
APPLE INC COM 037833100   4,237,319 18,185 SH   SOLE   9,927 0 8,258
BANK AMERICA CORP COM 060505104   1,888,493 47,593 SH   SOLE   44,740 0 2,852
CAPITAL GROUP CORE BALANCED SHS 14021D107   54,803 1,765 SH   SOLE   0 0 1,765
CONOCOPHILLIPS COM 20825C104   941,044 8,938 SH   SOLE   8,398 0 539
CORNING INC COM 219350105   1,925,376 42,644 SH   SOLE   31,987 0 10,657
DEERE & CO COM 244199105   377,411 904 SH   SOLE   0 0 904
EOG RES INC COM 26875P101   1,598,791 13,005 SH   SOLE   238 0 12,767
FIRST TR EXCHANGE TRAD FD VI FST TR GLB FD 33739H101   8,003,584 337,846 SH   SOLE   235,470 0 102,376
FIRST TR EXCHANGE-TRADED FD RBA INDL ETF 33738R704   2,213,134 29,638 SH   SOLE   641 0 28,997
GOLDMAN SACHS ETF TR ACTIVEBETA EME 381430206   16,121,763 459,178 SH   SOLE   312,623 0 146,555
IQVIA HLDGS INC COM 46266C105   2,385,221 10,065 SH   SOLE   9,454 0 611
ISHARES TR 20 YR TR BD ETF 464287432   8,317,430 84,785 SH   SOLE   61,585 0 23,199
ISHARES TR CMBS ETF 46429B366   21,623,228 441,921 SH   SOLE   321,749 0 120,172
ISHARES TR CORE US AGGBD ET 464287226   10,228 101 SH   SOLE   0 0 101
ISHARES TR S&P 500 GRWT ETF 464287309   6,441,290 67,271 SH   SOLE   63,207 0 4,064
JPMORGAN CHASE & CO. COM 46625H100   7,871,040 37,328 SH   SOLE   19,132 0 18,195
LOCKHEED MARTIN CORP COM 539830109   2,157,610 3,691 SH   SOLE   2,769 0 922
OMNICOM GROUP INC COM 681919106   2,320,819 22,447 SH   SOLE   21,099 0 1,347
PFIZER INC COM 717081103   2,869,919 99,167 SH   SOLE   82,679 0 16,488
PHILLIPS 66 COM 718546104   1,095,289 8,332 SH   SOLE   222 0 8,109
PIMCO ETF TR ENHAN SHRT MA AC 72201R833   22,051 219 SH   SOLE   0 0 219
PUBLIC SVC ENTERPRISE GRP IN COM 744573106   2,207,501 24,745 SH   SOLE   18,590 0 6,155
RESTAURANT BRANDS INTL INC COM 76131D103   1,330,663 18,450 SH   SOLE   17,348 0 1,102
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407   7,020 35 SH   SOLE   0 0 35
SKYWORKS SOLUTIONS INC COM 83088M102   1,257,446 12,731 SH   SOLE   11,968 0 763
SPDR SER TR S&P REGL BKG 78464A698   2,247,341 39,705 SH   SOLE   27,024 0 12,681
TARGET CORP COM 87612E106   1,351,929 8,674 SH   SOLE   6,495 0 2,179
UNITED PARCEL SERVICE INC CL B 911312106   1,664,029 12,205 SH   SOLE   9,145 0 3,060
VALERO ENERGY CORP COM 91913Y100   1,826,059 13,523 SH   SOLE   5,430 0 8,093
VANGUARD INDEX FDS GROWTH ETF 922908736   37,625 98 SH   SOLE   0 0 98
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538   11,973,212 49,177 SH   SOLE   33,286 0 15,890
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   17,734,342 105,769 SH   SOLE   71,676 0 34,092
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676   4,059,859 86,545 SH   SOLE   60,464 0 26,080
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   46,007,229 871,184 SH   SOLE   591,251 0 279,932
WHEATON PRECIOUS METALS CORP COM 962879102   3,054 50 SH   SOLE   0 0 50
WISDOMTREE TR US TOTAL DIVIDND 97717W109   2,101,054 27,400 SH   SOLE   20,644 0 6,756
ABRDN PALLADIUM ETF TRUST PHYSICAL PALLADM 003262102   2,051,809 22,385 SH   SOLE   15,673 0 6,712
ABRDN PLATINUM ETF TRUST PHYSCL PLATM SHS 003260106   2,104,552 23,436 SH   SOLE   16,424 0 7,012
ALLIANT ENERGY CORP COM 018802108   1,644,152 27,091 SH   SOLE   20,313 0 6,778
CAMBRIA ETF TR GLB MOMENT ETF 132061508   3,131,088 105,780 SH   SOLE   85,816 0 19,964
CAPITAL GROUP DIVIDEND GROWE SHS ETF 14021L109   40,857 1,330 SH   SOLE   0 0 1,330
CAPITAL GROUP DIVIDEND VALUE SHS CREATION UNI 14020W106   56,482 1,550 SH   SOLE   0 0 1,550
CHEVRON CORP NEW COM 166764100   1,998,601 13,571 SH   SOLE   10,187 0 3,384
CISCO SYS INC COM 17275R102   3,007,966 56,519 SH   SOLE   47,112 0 9,407
COMCAST CORP NEW CL A 20030N101   1,136,624 27,211 SH   SOLE   726 0 26,485
COSTCO WHSL CORP NEW COM 22160K105   280,140 316 SH   SOLE   0 0 316
CULLEN FROST BANKERS INC COM 229899109   37,416 334 SH   SOLE   0 0 334
DISNEY WALT CO COM 254687106   844,620 8,780 SH   SOLE   8,248 0 532
EXXON MOBIL CORP COM 30231G102   1,998,249 17,047 SH   SOLE   12,794 0 4,253
FIRST TR EXCHANGE-TRADED FD RISNG DIVD ACHIV 33738R506   3,060,345 51,686 SH   SOLE   1,026 0 50,660
FISERV INC COM 337738108   2,217,285 12,342 SH   SOLE   11,601 0 741
FRANKLIN TEMPLETON ETF TR FTSE JAPAN ETF 35473P744   6,348,045 208,680 SH   SOLE   141,952 0 66,728
GLOBAL X FDS ARTIFICIAL ETF 37954Y632   1,136,096 30,564 SH   SOLE   430 0 30,134
GOLDMAN SACHS ETF TR ACCES TREASURY 381430529   4,631,750 46,183 SH   SOLE   32,045 0 14,137
HP INC COM 40434L105   1,232,317 34,355 SH   SOLE   32,309 0 2,045
INTERNATIONAL BUSINESS MACHS COM 459200101   1,879,180 8,500 SH   SOLE   6,379 0 2,121
INVESCO EXCH TRADED FD TR II SHORT TERM TREAS 46138G888   5,923,629 56,063 SH   SOLE   38,124 0 17,939
INVESCO QQQ TR UNIT SER 1 46090E103   2,120,802 4,345 SH   SOLE   4,082 0 263
ISHARES TR 7-10 YR TRSY BD 464287440   3,306,584 33,699 SH   SOLE   24,476 0 9,223
ISHARES TR CORE S&P500 ETF 464287200   22,181,258 38,454 SH   SOLE   20,299 0 18,154
ISHARES TR EAFE SML CP ETF 464288273   6,831,532 100,908 SH   SOLE   68,782 0 32,126
ISHARES TR GRWT ALLOCAT ETF 464289867   52,308 883 SH   SOLE   0 0 883
ISHARES TR MSCI EAFE ETF 464287465   9,978,863 119,321 SH   SOLE   109,953 0 9,368
J P MORGAN EXCHANGE TRADED F ULTRA SHRT ETF 46641Q837   3,196 63 SH   SOLE   0 0 63
JOHNSON & JOHNSON COM 478160104   2,661,263 16,421 SH   SOLE   13,752 0 2,668
KEURIG DR PEPPER INC COM 49271V100   1,308,351 34,908 SH   SOLE   26,174 0 8,734
LAM RESEARCH CORP COM 512807108   1,851,102 2,268 SH   SOLE   2,129 0 139
LOWES COS INC COM 548661107   2,760,917 10,193 SH   SOLE   9,578 0 615
MANAGED PORTFOLIO SERIES TORTOISE NRAM PI 56167N720   13,527,216 431,077 SH   SOLE   301,346 0 129,731
MERCK & CO INC COM 58933Y105   4,376,667 38,540 SH   SOLE   14,355 0 24,185
MOLINA HEALTHCARE INC COM 60855R100   917,907 2,664 SH   SOLE   43 0 2,621
NOVARTIS AG SPONSORED ADR 66987V109   2,016,875 17,535 SH   SOLE   13,166 0 4,369
CAPITAL GROUP CORE EQUITY ET SHS CREATION UNI 14020V108   14,020 409 SH   SOLE   0 0 409
CAPITAL GROUP GBL GROWTH EQT SHS CREATION UNI 14020X104   13,326 442 SH   SOLE   0 0 442
CAPITAL GRP FIXED INCM ETF T CORE PLUS INCM 14020Y102   26,472 1,145 SH   SOLE   0 0 1,145
DTE ENERGY CO COM 233331107   2,385,437 18,576 SH   SOLE   15,188 0 3,388
EBAY INC. COM 278642103   990,023 15,205 SH   SOLE   14,302 0 902
FORTUNE BRANDS INNOVATIONS I COM 34964C106   1,818,269 20,309 SH   SOLE   19,083 0 1,225
GENERAL DYNAMICS CORP COM 369550108   4,688,319 15,513 SH   SOLE   9,568 0 5,945
GLOBAL X FDS US INFR DEV ETF 37954Y673   2,216,129 53,841 SH   SOLE   1,165 0 52,676
GOLDMAN SACHS ETF TR ACCESS INVT GR 381430479   33,045,990 698,351 SH   SOLE   507,297 0 191,053
GOLDMAN SACHS ETF TR ACTIVEBETA US LG 381430503   17,422,843 154,266 SH   SOLE   104,412 0 49,853
INTERPUBLIC GROUP COS INC COM 460690100   1,998,288 63,177 SH   SOLE   47,367 0 15,810
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   43,493,630 242,764 SH   SOLE   148,318 0 94,445
ISHARES TR 10-20 YR TRS ETF 464288653   9,929,112 90,817 SH   SOLE   65,986 0 24,831
ISHARES TR MBS ETF 464288588   23,212,807 242,279 SH   SOLE   176,199 0 66,080
ISHARES TR RUS 1000 VAL ETF 464287598   2,771,549 14,602 SH   SOLE   315 0 14,287
JANUS DETROIT STR TR HENDERSON MTG 47103U852   29,764,838 638,045 SH   SOLE   463,510 0 174,535
KINDER MORGAN INC DEL COM 49456B101   22,090 1,000 SH   SOLE   0 0 1,000
MONDELEZ INTL INC CL A 609207105   1,486,662 20,180 SH   SOLE   18,956 0 1,223
PROCTER AND GAMBLE CO COM 742718109   1,660,990 9,590 SH   SOLE   7,022 0 2,567
SCHWAB STRATEGIC TR FUNDAMENTAL US L 808524771   358 5 SH   SOLE   0 0 5
SELECT SECTOR SPDR TR INDL 81369Y704   8,621 63 SH   SOLE   0 0 63
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109   2,592,636 6,127 SH   SOLE   107 0 6,020
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   10,166,726 17,847 SH   SOLE   15,687 0 2,159
SPDR SER TR PORTFLI HIGH YLD 78468R606   3,066,665 127,512 SH   SOLE   1,829 0 125,683
T-MOBILE US INC COM 872590104   975,095 4,725 SH   SOLE   76 0 4,649
TNF PHARMACEUTICALS INC COM NEW 62856X201   55 34 SH   SOLE   0 0 34
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   14,710 151 SH   SOLE   0 0 151
VANGUARD INDEX FDS SMALL CP ETF 922908751   5,218 22 SH   SOLE   0 0 22
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   20,123,812 420,560 SH   SOLE   286,411 0 134,148
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   3,532,807 59,857 SH   SOLE   736 0 59,121
VERIZON COMMUNICATIONS INC COM 92343V104   29,159 649 SH   SOLE   0 0 649
APPLIED MATLS INC COM 038222105   1,406,470 6,961 SH   SOLE   6,539 0 422
BRISTOL-MYERS SQUIBB CO COM 110122108   1,397,421 27,008 SH   SOLE   19,831 0 7,177
CAPITAL GRP FIXED INCM ETF T CORE BOND ETF 14020Y508   26,303 976 SH   SOLE   0 0 976
CAPITAL ONE FINL CORP COM 14040H105   975,215 6,513 SH   SOLE   6,118 0 395
CARNIVAL CORP UNIT 99/99/9999 143658300   1,884 102 SH   SOLE   0 0 102
ECOLAB INC COM 278865100   1,008,582 3,950 SH   SOLE   3,710 0 240
ELI LILLY & CO COM 532457108   770,819 870 SH   SOLE   17 0 853
FIRST TR EXCHANGE TRADED FD ENERGY ALPHADX 33734X127   4,184 258 SH   SOLE   0 0 258
FIRST TR EXCHANGE TRADED FD INDXX NEXTG ETF 33737K205   23,145 265 SH   SOLE   0 0 265
FIRST TR EXCHANGE-TRADED FD NO AMER ENERGY 33738D101   7,858,195 233,874 SH   SOLE   163,298 0 70,576
FIRST TR EXCHANGE-TRADED FD SMID RISNG ETF 33741X102   6,649,326 182,774 SH   SOLE   3,804 0 178,970
GILEAD SCIENCES INC COM 375558103   942,295 11,239 SH   SOLE   10,568 0 670
HONEYWELL INTL INC COM 438516106   1,292,173 6,251 SH   SOLE   5,871 0 379
HUNTINGTON BANCSHARES INC COM 446150104   1,954,806 132,980 SH   SOLE   99,293 0 33,687
INVESCO INDIA EXCHANGE-TRADE INDIA ETF 46137R109   3,541,282 115,313 SH   SOLE   2,405 0 112,908
ISHARES SILVER TR ISHARES 46428Q109   1,956,383 68,862 SH   SOLE   47,799 0 21,063
ISHARES TR 1 3 YR TREAS BD 464287457   6,509,332 78,284 SH   SOLE   56,847 0 21,436
ISHARES TR 3 7 YR TREAS BD 464288661   4,926,589 41,190 SH   SOLE   29,917 0 11,272
ISHARES TR AGENCY BOND ETF 464288166   11,390,612 103,175 SH   SOLE   74,938 0 28,237
ISHARES TR FLTG RATE NT ETF 46429B655   1,809,316 35,449 SH   SOLE   578 0 34,871
ISHARES TR RUS 1000 GRW ETF 464287614   385,380 1,026 SH   SOLE   0 0 1,026
ISHARES TR RUSSELL 2000 ETF 464287655   697,570 3,158 SH   SOLE   2,352 0 806
LYONDELLBASELL INDUSTRIES N SHS - A - N53745100   1,458,159 15,205 SH   SOLE   11,422 0 3,783
MCDONALDS CORP COM 580135101   1,652,125 5,425 SH   SOLE   3,764 0 1,661
MICRON TECHNOLOGY INC COM 595112103   2,161,535 20,842 SH   SOLE   19,580 0 1,262
MICROSOFT CORP COM 594918104   2,172,000 5,047 SH   SOLE   2,320 0 2,727
MOTOROLA SOLUTIONS INC COM NEW 620076307   740,540 1,647 SH   SOLE   1,548 0 99
NORFOLK SOUTHN CORP COM 655844108   12,425 50 SH   SOLE   0 0 50
ONEOK INC NEW COM 682680103   1,869,076 20,510 SH   SOLE   15,364 0 5,146
PRUDENTIAL FINL INC COM 744320102   1,783,318 14,726 SH   SOLE   11,024 0 3,702
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   2,932,502 71,315 SH   SOLE   1,469 0 69,846
SCHWAB STRATEGIC TR US TIPS ETF 808524870   4,908,140 91,518 SH   SOLE   66,486 0 25,032
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308   4,233 51 SH   SOLE   0 0 51
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   12,642 56 SH   SOLE   0 0 56
SPDR S&P 500 ETF TR TR UNIT 78462F103   1,016,715 1,772 SH   SOLE   1,656 0 116
SPDR SER TR PORTFOLIO LN TSR 78464A664   4,570,076 157,209 SH   SOLE   2,453 0 154,756
SALESFORCE INC COM 79466L302   263,628 963 SH   SOLE   0 0 963
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   8,011,025 52,012 SH   SOLE   35,233 0 16,779
SPDR INDEX SHS FDS S&P INTL ETF 78463X772   160,441 4,178 SH   SOLE   3,203 0 975
TEXAS INSTRS INC COM 882508104   1,845,289 8,933 SH   SOLE   6,706 0 2,227
TRUIST FINL CORP COM 89832Q109   1,584,585 37,049 SH   SOLE   27,790 0 9,259
UNILEVER PLC SPON ADR NEW 904767704   2,175,055 33,483 SH   SOLE   24,712 0 8,771
UNION PAC CORP COM 907818108   1,752,651 7,110 SH   SOLE   6,683 0 427
VANGUARD INDEX FDS VALUE ETF 922908744   23,566 135 SH   SOLE   0 0 135
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   4,896,504 58,465 SH   SOLE   884 0 57,581
WALMART INC COM 931142103   3,832,664 47,463 SH   SOLE   754 0 46,708
SSGA ACTIVE TR SPDR DBLELN EMRG 78470P309   2,460,442 56,574 SH   SOLE   41,097 0 15,477
TRAVELERS COMPANIES INC COM 89417E109   3,520,381 15,036 SH   SOLE   12,408 0 2,628
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   8,412 112 SH   SOLE   0 0 112
VANGUARD INDEX FDS MID CAP ETF 922908629   3,165 12 SH   SOLE   0 0 12
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   9,498 18 SH   SOLE   0 0 18
VANGUARD INDEX FDS SM CP VAL ETF 922908611   13,951,899 69,488 SH   SOLE   47,158 0 22,330
VANGUARD INDEX FDS SML CP GRW ETF 922908595   8,380,149 31,342 SH   SOLE   21,202 0 10,140
WISDOMTREE TR INDIA ERNGS FD 97717W422   80,433 1,594 SH   SOLE   0 0 1,594