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
ABRDN GOLD ETF TRUST PHYSCL GOLD SHS 00326A104   3,533,910 192,374 SH   SOLE   0 0 192,374
ALPHABET INC CAP STK CL C 02079K107   248,230 2,052 SH   SOLE   0 0 2,052
AMPLIFY ETF TR CWP ENHANCED DIV 032108409   626,576 17,405 SH   SOLE   0 0 17,405
FRANKLIN TEMPLETON ETF TR FTSE JAPAN ETF 35473P744   3,541,106 130,910 SH   SOLE   0 0 130,910
INVESCO QQQ TR UNIT SER 1 46090E103   16,804,969 45,490 SH   SOLE   0 0 45,490
ISHARES TR S&P 500 VAL ETF 464287408   6,249,674 38,772 SH   SOLE   0 0 38,772
ISHARES TR RUS TP200 GR ETF 464289438   396,708 2,502 SH   SOLE   0 0 2,502
ISHARES TR MBS ETF 464288588   806,743 8,650 SH   SOLE   0 0 8,650
ISHARES TR RUS MDCP VAL ETF 464287473   267,021 2,431 SH   SOLE   0 0 2,431
ISHARES TR CORE S&P500 ETF 464287200   11,880,947 26,656 SH   SOLE   0 0 26,656
ISHARES TR AGENCY BOND ETF 464288166   434,072 4,058 SH   SOLE   0 0 4,058
ISHARES TR 3 7 YR TREAS BD 464288661   1,170,005 10,151 SH   SOLE   0 0 10,151
ISHARES TR CORE US AGGBD ET 464287226   1,072,248 10,947 SH   SOLE   0 0 10,947
ISHARES TR ESG AWR MSCI USA 46435G425   6,098,215 62,571 SH   SOLE   0 0 62,571
ISHARES TR 1 3 YR TREAS BD 464287457   11,825,086 145,845 SH   SOLE   0 0 145,845
ISHARES TR 7-10 YR TRSY BD 464287440   373,539 3,867 SH   SOLE   0 0 3,867
ISHARES TR S&P MC 400VL ETF 464287705   1,616,049 15,085 SH   SOLE   0 0 15,085
ISHARES TR SP SMCP600VL ETF 464287879   1,510,207 15,882 SH   SOLE   0 0 15,882
ISHARES TR MRGSTR MD CP ETF 464288208   5,854,623 92,505 SH   SOLE   0 0 92,505
ISHARES TR MSCI EAFE ETF 464287465   255,904 3,530 SH   SOLE   0 0 3,530
ISHARES TR RUS 1000 GRW ETF 464287614   931,166 3,384 SH   SOLE   0 0 3,384
ISHARES TR S&P SML 600 GWT 464287887   1,911,066 16,628 SH   SOLE   0 0 16,628
ISHARES TR US TREAS BD ETF 46429B267   846,178 36,951 SH   SOLE   0 0 36,951
ISHARES TR IBOXX HI YD ETF 464288513   224,423 2,990 SH   SOLE   0 0 2,990
ISHARES TR CORE DIV GRWTH 46434V621   5,551,172 107,727 SH   SOLE   0 0 107,727
ISHARES TR CORE S&P SCP ETF 464287804   8,331,637 83,609 SH   SOLE   0 0 83,609
ISHARES TR RUS MID CAP ETF 464287499   835,510 11,441 SH   SOLE   0 0 11,441
ISHARES TR S&P MC 400GR ETF 464287606   2,798,621 37,315 SH   SOLE   0 0 37,315
ISHARES TR RUS TP200 VL ETF 464289420   257,426 3,817 SH   SOLE   0 0 3,817
ISHARES TR SHORT TREAS BD 464288679   5,267,760 47,694 SH   SOLE   0 0 47,694
ISHARES TR RUSSELL 2000 ETF 464287655   379,990 2,029 SH   SOLE   0 0 2,029
ISHARES TR RUS 1000 VAL ETF 464287598   1,012,396 6,414 SH   SOLE   0 0 6,414
ISHARES TR RUS 1000 ETF 464287622   985,441 4,043 SH   SOLE   0 0 4,043
ISHARES TR S&P 500 GRWT ETF 464287309   8,239,256 116,902 SH   SOLE   0 0 116,902
ISHARES TR CORE S&P MCP ETF 464287507   4,757,144 18,193 SH   SOLE   0 0 18,193
SIMPLIFY EXCHANGE TRADED FUN VOLATILITY PREM 82889N863   4,180,322 182,149 SH   SOLE   0 0 182,149
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109   771,401 2,243 SH   SOLE   0 0 2,243
SPDR S&P 500 ETF TR TR UNIT 78462F103   4,385,253 9,893 SH   SOLE   0 0 9,893
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   925,200 1,932 SH   SOLE   0 0 1,932
SPDR SER TR PRTFLO S&P500 VL 78464A508   5,878,328 136,072 SH   SOLE   0 0 136,072
SPDR SER TR PORTFOLIO INTRMD 78464A375   2,665,119 83,000 SH   SOLE   0 0 83,000
SPDR SER TR PORTFOLIO S&P500 78464A854   3,653,923 70,119 SH   SOLE   0 0 70,119
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   1,305,378 17,274 SH   SOLE   0 0 17,274
VANGUARD BD INDEX FDS INTERMED TERM 921937819   333,443 4,432 SH   SOLE   0 0 4,432
VANGUARD BD INDEX FDS LONG TERM BOND 921937793   226,290 3,020 SH   SOLE   0 0 3,020
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   484,819 9,919 SH   SOLE   0 0 9,919
VANGUARD INDEX FDS TOTAL STK MKT 922908769   1,134,309 5,149 SH   SOLE   0 0 5,149
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   551,396 1,354 SH   SOLE   0 0 1,354
VANGUARD INDEX FDS LARGE CAP ETF 922908637   836,423 4,126 SH   SOLE   0 0 4,126
VANGUARD INDEX FDS GROWTH ETF 922908736   798,657 2,823 SH   SOLE   0 0 2,823
VANGUARD INDEX FDS VALUE ETF 922908744   609,997 4,293 SH   SOLE   0 0 4,293
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   248,492 6,108 SH   SOLE   0 0 6,108
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874   4,549,854 73,742 SH   SOLE   0 0 73,742
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771   224,099 4,873 SH   SOLE   0 0 4,873
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   358,792 6,215 SH   SOLE   0 0 6,215
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   647,266 3,985 SH   SOLE   0 0 3,985
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   835,995 18,103 SH   SOLE   0 0 18,103