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

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COLUMN 1COLUMN 2COLUMN 3COLUMN 4COLUMN 5COLUMN 6COLUMN 7COLUMN 8
VALUESHRS ORSH/PUT/INVESTMENTOTHERVOTING AUTHORITY
NAME OF ISSUERTITLE OF CLASSCUSIP(x$1000)PRN AMTPRNCALLDISCRETIONMANAGERSOLESHAREDNONE
VANGUARD INTL EQUITY FDS FTSE ALL WORLD EX USA SMALL CAP INDEX FD ETF SHSETF922042718212SH SOLE 0012
ISHARES TR BARCLAYS 20 YR TREAS BD ETFETF464287432213SH OTR10013
ETFMG ALTERNATIVE HARVEST ETFETF26924G5083133SH SOLE 00133
TCW CONVERTABLE SEC FUND INC.CM8723401043600SH SOLE 00600
MOTOROLA INC COM NEWC620076307420SH SOLE 0020
NAVIENT CORP COMC63938C1087500SH SOLE 00500
CARNIVAL CORPC1436583008300SH SOLE 00300
ISHARES SHORT-TERM NATIONAL MUNI BOND ETFETF464288158878SH SOLE 0078
ISHARES LATIN AMERICA 40 ETFETF4642873909334SH SOLE 00334
VANGUARD GROWTH VIPERSETF9229087361037SH SOLE 0037
ALTRIA GROUP INC COMC02209S10310200SH SOLE 00200
GUARANTEED FIXED INTEREST FUND ADV TR CLASS R1MM8535282551010,331SH SOLE 0010,331
COCA-COLA EUROPEAN PARTNERS PLCCG2583910410200SH SOLE 00200
NORFOLK SOUTHERN CORP COMC6558441081348SH SOLE 0048
SCHWAB STRATEGIC TR EMERGING MKTS EQUITY ETFETF80852470613411SH SOLE 00411
CISCO SYSTEMS, INC.C17275R10216300SH SOLE 00300
ISHARES GLOBAL MATERIALS ETFETF46428869516187SH SOLE 00187
FORD MOTOR COMPANYC345370860171,400SH SOLE 001,400
ISHARES TR NATL AMT FREE MUNI BD ETFETF46428841417148SH SOLE 00148
SPDR BLOOMBERG BARCLAYS HIGH YIELD BOND ETF NEWETF78468R62218166SH SOLE 00166
TEXAS INSTRUMENTS INC.C88250810419100SH SOLE 00100
HASBRO INCC41805610719200SH SOLE 00200
AMERICAN EXPRESSC02581610921150SH SOLE 00150
OCCIDENTAL PETRO CORPC67459910522824SH SOLE 00824
TRAVELERS COS INC COMC89417E10924158SH SOLE 00158
CONSOLIDATED EDISONC20911510424320SH SOLE 00320
ELI LILLY & CO.C53245710824130SH SOLE 00130
UNILEVER PLCC90476770428500SH SOLE 00500
PLAINS ALL AMERICAN PIPELINE LPC726503105293,224SH SOLE 003,224
PEPSICO INCC71344810832225SH SOLE 00225
AT&T INC COMC00206R102331,101SH SOLE 001,101
ENERGY TRANSFER OPERATING, LP.C29273V100364,642SH SOLE 004,642
AMEREN CORPC02360810236444SH SOLE 00444
UNIVERSAL HEALTH RLTY TR SBIRHTA91359E10538560SH SOLE 00560
BERKSHIRE HATHAWAY INC DEL CL B NEWC08467070238150SH SOLE 00150
ISHARES GLOBAL ENERGY ETFETF464287341401,607SH SOLE 001,607
JOHNSON & JOHNSONC47816010441250SH SOLE 00250
PROCTER & GAMBLEC74271810943314SH SOLE 00314
ISHARES TR BARCLAYS 7-10 YR TREAS BD ETFETF46428744050439SH SOLE 00439
FLEXSHARES TR GLOBAL QUALITY REAL ESTATE INDEX FDETF33939L78750827SH OTR100827
FLEXSHARES STOXX GLOBAL BROAD INFRASTRUCTURE INDEX FUNDETF33939L79550895SH OTR100895
EXXON MOBIL CORP COMC30231G10250900SH SOLE 00900
VANGUARD INTL EQUITY INDEX FDS GLOBAL EX-US REAL ESTATE INDEXETF92204267653947SH SOLE 00947
DISNEY (WALT) COC25468710655300SH SOLE 00300
VISA INC COM CL AC92826C83961288SH SOLE 00288
SPDR FTSE INTL GOVERNMENT INFLATION PROTECTED BD ETFETF78464A490661,180SH SOLE 001,180
JPM DIVERSIFIED RETURN INTL EQUITY ETFETF46641Q209661,083SH SOLE 001,083
SPDR INDEX SHS FDS S&P GLOBAL NAT RES ETFETF78463X541691,380SH SOLE 001,380
ISHARES TR COHEN & STEERS REIT ETFETF464287564691,200SH SOLE 001,200
COSTCO WHOLESALE CORPC22160K10569197SH SOLE 00197
WEYERHAEUSER CORHTA962166104732,059SH SOLE 002,059
DOMINION ENERGY INCC25746U10975985SH SOLE 00985
MERCK & CO INC NEWC58933Y105771,000SH SOLE 001,000
ISHARES INC MSCI GLOBAL SILVER AND METALS MINER ETFETF464286327825,549SH SOLE 005,549
ISHARES SHORT-TERM CORPORATE BOND ETFETF464288646821,502SH OTR1001,502
DISCOVER FINL SVCSC25470910885900SH SOLE 00900
VANGUARD SMALL-CAP VALUE VIPERSETF92290861186522SH SOLE 00522
SPDR S&P MIDCAP 400 ETF TR UNIT SER 1 STANDARD & POORS DEP RCPTETF78467Y10790190SH SOLE 00190
INVESCO DB COMMODITY INDEX TRACKING FUNDETF46138B1031056,306SH SOLE 006,306
ROPER TECHNOLGIES INC COMC776696106105260SH SOLE 00260
VANGUARD MID-CAP VALUE ETFETF922908512106788SH SOLE 00788
INVESCO MSCI SUSTAINABLE FUTURE ETFETF46137V4071091,442SH SOLE 001,442
AMAZON.COM, INCC02313510611437SH SOLE 0037
SNOWFLAKE INCC833445109123983SH SOLE 00983
VANGUARD VALUE VIPERSETF922908744126960SH SOLE 00960
VANGUARD SCOTTSDALE FDS VANGUARD LONG TERM GOVT BOND INDEX FDETF92206C8471281,551SH SOLE 001,551
CHEVRON CORP NEWC1667641001301,236SH SOLE 001,236
MGE ENERGY INC. - COMMON STOCKC55277P1041301,820SH SOLE 001,820
UNION PACIFIC CORP.C907818108132600SH SOLE 00600
SOUTHERN COC8425871071372,208SH SOLE 002,208
JPMORGAN DIVERSIFIED RETURN US SMALL CAP EQUITY ETFETF46641Q8451433,391SH SOLE 003,391
SPDR INDEX SHS FDS DJ WISHIRE GLOBAL REAL ESTATE ETFETF78463X7491463,088SH SOLE 003,088
MORGAN STANLEY COC6174464481552,000SH SOLE 002,000
ISHARES S&P 500 GROWTH ETFETF4642873091572,415SH SOLE 002,415
SPDR BLOOMBERG BARCLAYS INTERNATIONAL TREASURY BOND ETFETF78464A5161585,427SH SOLE 005,427
ISHARES US TREASURY BOND ETFETF46429B2671656,281SH SOLE 006,281
WISDOMTREE TR BLOOMBERG US DOLLAR BULLISH FDETF97717W4711766,843SH SOLE 006,843
ISHARES FLOATING RATE BOND ETFETF46429B6551773,487SH SOLE 003,487
DTE ENERGY COMPANYC2333311071851,386SH SOLE 001,386
NEXTERA ENERGY INC COMC65339F1012002,648SH SOLE 002,648
FLEXSHARES DEV MKTS EXUS QL LOW VOLATIITY INDEXETF33939L6472067,713SH OTR1007,713
GILEAD SCIENCE INC.C3755581032073,200SH SOLE 003,200
VANGUARD TOTAL STOCK MARKET VIPERSETF9229087692131,470SH SOLE 001,470
MICROSOFT CORPC5949181042361,000SH SOLE 001,000
VANGUARD SHORT TERM CORP BOND INDEX FUND ETFETF92206C40924639,097SH SOLE 0039,097
INVESCO TAXABLE MUNICIPAL BOND ETFETF46138G8052487,753SH SOLE 007,753
ALLSTATE CORPORATIONC0200021012732,376SH SOLE 002,376
PROSHARES TR S&P 500 ARISTOCRATS ETFETF74348A4672773,213SH SOLE 003,213
TESLA INCC88160R101281421SH SOLE 00421
AMERICAN ELECTRIC POWER COC0255371012963,500SH SOLE 003,500
JPMORGAN DIVERSIFIED RETURN USEQUITY ETFETF46641Q4073023,312SH SOLE 003,312
ISHARES MSCI EAFE MINIMUM VOLATILITY ETFETF46429B6893234,424SH SOLE 004,424
INVESCO NATIONAL AMT FREE MUNICIPAL BOND ETFETF46138E53732412,123SH SOLE 0012,123
ENERGY SELECT SECTOR SPDR FUNDETF81369Y5063477,072SH SOLE 007,072
WISDOMTREE BARCLAYS U.S. AGGREGATE BOND ZERO DURATION FUNDETF97717W3803517,457SH SOLE 007,457
VANGUARD INTERMEDIATE TERMETF92206C8703563,832SH SOLE 003,832
ISHARES MSCI ACWI EX US ETFETF4642882403706,704SH OTR1006,704
VANGUARD SECTOR INDEX FDS VANGUARD TELECOMMUNICATION SVCS VIPERSETF92204A8843752,883SH SOLE 002,883
ISHARES TR MSCI EAFE ETFETF4642874653754,945SH SOLE 004,945
ISHARES TR S&P US PFD STOCK INDEX FUNDETF4642886873789,834SH SOLE 009,834
ISHARES SELECT DIVIDEND ETFETF4642871683933,442SH SOLE 003,442
VANGUARD REAL ESTATE ETFETF9229085533964,313SH SOLE 004,313
ISHARES TR S&P 500 VALUE ETFETF4642874084032,852SH OTR1002,852
ISHARES TR RUSSELL 2000 ETFETF4642876554041,831SH SOLE 001,831
GATX CORPC3614481034174,500SH SOLE 004,500
FLEXSHARES TR READY ACCESS VAR INCOME FDETF33939L8864505,909SH SOLE 005,909
ISHARES COMEX GOLD TR ISHARESWF46428510545628,032SH SOLE 0028,032
ISHARES TR 10-20 YR TREAS BD ETFETF4642886534623,295SH OTR1003,295
WISDOMTREE TR HIGH DIVID FDETF97717W2084776,248SH SOLE 006,248
ISHARES TR IBOXX HIGH YIELD CORP BD ETFETF4642885134985,714SH SOLE 005,714
INVESCO S&P 500 HIGH DIVIDEND LOW VOLATILITY ETFETF46138E36255412,933SH SOLE 0012,933
SPDR S&P 500 ETF TR TR UNITETF78462F1035701,438SH SOLE 001,438
WISDOMTREE TR US QUALITY DIVID GROWTH FDETF97717X66960810,634SH SOLE 0010,634
FLEXSHARES US QUALITY LOW VOLATILITY INDEXETF33939L65472115,409SH OTR10015,409
INVESCO SENIOR LOAN ETFETF46138G50872432,735SH SOLE 0032,735
US BANCORP DEL COM NEWC90297330474513,462SH SOLE 0013,462
ISHARES TR 3-7 YR TREAS BD ETFETF4642886617615,860SH SOLE 005,860
SPDR SER TR S&P BIOTECH ETFETF78464A8708055,933SH SOLE 005,933
ISHARES TIPS BOND ETFETF4642871769157,294SH SOLE 007,294
FLEXSHARES TR IBOXX 3 YR TARGET DURATION TIPS INDEX FDETF33939L50692635,126SH SOLE 0035,126
FLEXSHARES CREDITSCORED US CORP BOND INDEXETF33939L7611,01018,884SH OTR10018,884
FLEXSHARES HIGH YIELD VALUESCORED BOND INDEXETF33939L6621,02220,643SH OTR10020,643
SPDR BLACKSTONE SENIOR LOAN ETFETF78467V6081,08223,646SH SOLE 0023,646
UTILITIES SELECT SECTOR SPDR FUNDETF81369Y8861,17518,343SH SOLE 0018,343
CONSUMER STAPLES SPDRETF81369Y3081,23718,113SH SOLE 0018,113
FLEXSHARES STOXX US ESG IMPACT INDEX FUNDETF33939L6961,24412,775SH SOLE 0012,775
VANGUARD HIGH DIVIDEND YIELD ETFETF9219464061,36514,171SH SOLE 0014,171
FACEBOOK INC CL AC30303M1021,3854,703SH SOLE 004,703
NETFLIX COM INCC64110L1061,4022,687SH SOLE 002,687
VANGUARD TREASURY MONEY MARKET FUND INVESTOR CLASS (GOVT)MM9219321091,4381,437,666SH SOLE 001,437,666
VANGUARD SECTOR INDEX FDS VANGUARD CONSUMER DISCRETIONARY VIPERSETF92204A1081,4744,991SH SOLE 004,991
FIRST TRUST WATER ETFETF33733B1001,54319,728SH SOLE 0019,728
AMPLIFY ONLINE RETAIL ETFETF0321081021,56812,629SH SOLE 0012,629
ISHARES SILVER TRUSTWF46428Q1091,63471,999SH SOLE 0071,999
ISHARES TR DOW JONES US AEROSPACE & DEFENSE INDEX FDETF4642887602,57024,685SH OTR10024,685
ISHARES NORTH AMERICAN NATURAL RES ETFETF4642873742,57493,362SH SOLE 0093,362
APPLE INCC0378331003,03424,839SH SOLE 0024,839
ISHARES GOLDMAN SACHS TECHNOLOGY INDEX FUNDETF4642875493,1688,778SH OTR1008,778
VANGUARD LARGE-CAP VIPERSETF9229086373,34618,057SH SOLE 0018,057
SPDR GOLD TR GOLD SHSWF78463V1073,74023,382SH SOLE 0023,382
ISHARES RESIDENTIAL REAL ESTATE ETFETF4642885623,82851,724SH SOLE 0051,724
SELECT SECTOR SPDR FD HEALTH CAREETF81369Y2093,84932,974SH SOLE 0032,974
SCHWAB STRATEGIC TR US REIT ETFETF8085248474,446108,210SH OTR100108,210
PROSHARES TR SHORT 20 YRETF74347X8494,545250,827SH OTR100250,827
ARK INNOVATION ETFETF00214Q1044,56338,039SH SOLE 0038,039
ISHARES MORTGAGE REAL ESTATE CAPPED ETF NEWETF46435G3424,583129,980SH SOLE 00129,980
ISHARES INTERMEDIATE TERM CORPORATE BOND ETFETF4642886384,79881,004SH SOLE 0081,004
VANGUARD INDEX FDS S&P 500 ETF SHS NEWETF9229083634,91313,486SH OTR10013,486
ISHARES TR BARCLAYS 1-3 TREAS BD ETFETF4642874574,97357,655SH SOLE 0057,655
VANGUARD DEVELOPED MARKETS INDEX FUNDETF9219438584,987101,543SH OTR100101,543
VANGUARD CHARLOTTE FDS TOTAL INTL BD INDEX FDETF92203J4075,29792,738SH SOLE 0092,738
VANGUARD INTL EQUITY INDEX FDS FTSE EMERGING MKTSETF9220428586,077116,762SH SOLE 00116,762
ISHARES S&P SMALLCAP 600 GROWTH ETFETF4642878876,51650,819SH SOLE 0050,819
ALPHABET INC CAP STK CL AC02079K3056,5573,179SH SOLE 003,179
ISHARES MSCI EAFE VALUE ETFETF4642888779,928194,775SH OTR100194,775
INVESCO CURRENCYSHARES SWISS FRANC TRUSTETF46138R10810,617110,459SH SOLE 00110,459
ISHARES CORE S&P SMALL-CAP ETFETF46428780411,016101,501SH SOLE 00101,501
ISHARES TR RUSSELL 2000 VALUE ETFETF46428763011,78473,896SH OTR10073,896
ISHARES IBOXX INVESTMENT GRADE CO ETFETF46428724212,94599,537SH SOLE 0099,537
VANGUARD DIVIDEND APPRECIATION VIPERSETF92190884414,728100,137SH SOLE 00100,137
ISHARES CORE US AGGREGATE BOND ETFETF46428722615,338134,747SH SOLE 00134,747
ISHARES CORE S&P 500 ETFETF46428720022,28956,027SH SOLE 0056,027