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
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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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ABRDN BLOOMBERG ALL CMDY LONGER DATED STARTEGY K-1 FREE ETF ETF 003261203 88 2,523 SH   SOLE   0 0 2,523
ALLSTATE CORPORATION C 020002101 296 2,376 SH   SOLE   0 0 2,376
ALTRIA GROUP INC COM C 02209S103 4 100 SH   SOLE   0 0 100
AMAZON.COM, INC C 023135106 64 562 SH   SOLE   0 0 562
AMEREN CORP C 023608102 36 444 SH   SOLE   0 0 444
AMERICAN ELECTRIC POWER CO C 025537101 303 3,500 SH   SOLE   0 0 3,500
AMERICAN EXPRESS C 025816109 20 150 SH   SOLE   0 0 150
Amplify Online Retail ETF ETF 032108102 305 7,707 SH   SOLE   0 0 7,707
APPLE INC C 037833100 1,208 8,740 SH   SOLE   0 0 8,740
ARK INNOVATION ETF ETF 00214Q104 1,000 1,395 SH   SOLE   0 0 1,395
AT&T INC COM C 00206R102 16 1,056 SH   SOLE   0 0 1,056
BERKSHIRE HATHAWAY INC DEL CL B NEW C 084670702 80 300 SH   SOLE   0 0 300
BOEING COMPANY C 097023105 9 75 SH   SOLE   0 0 75
CARNIVAL CORP C 143658300 2 300 SH   SOLE   0 0 300
CHEVRON CORP NEW C 166764100 178 1,236 SH   SOLE   0 0 1,236
CISCO SYSTEMS, INC. C 17275R102 12 300 SH   SOLE   0 0 300
COCA-COLA EUROPACIFIC PARTNERS PLC C G25839104 9 200 SH   SOLE   0 0 200
CONSOLIDATED EDISON C 209115104 27 320 SH   SOLE   0 0 320
CONSUMER STAPLES SPDR ETF 81369Y308 2,455 36,797 SH   SOLE   0 0 36,797
COSTCO WHOLESALE CORP C 22160K105 109 230 SH   SOLE   0 0 230
DISCOVER FINL SVCS C 254709108 82 900 SH   SOLE   0 0 900
DISNEY (WALT) CO C 254687106 28 300 SH   SOLE   0 0 300
DOMINION ENERGY INC C 25746U109 119 1,720 SH   SOLE   0 0 1,720
DT MIDSTREAM INC C 23345M107 36 693 SH   SOLE   0 0 693
DTE ENERGY COMPANY C 233331107 159 1,386 SH   SOLE   0 0 1,386
DUKE ENERGY CORP NEW COM C 26441C204 7 75 SH   SOLE   0 0 75
ELI LILLY & CO. C 532457108 42 130 SH   SOLE   0 0 130
ENERGY SELECT SECTOR SPDR FUND ETF 81369Y506 1,219 16,921 SH   SOLE   0 0 16,921
EXXON MOBIL CORP COM C 30231G102 70 800 SH   SOLE   0 0 800
FIRST TRUST WATER ETF ETF 33733B100 1,274 17,743 SH   SOLE   0 0 17,743
FLEXSHARES CREDITSCORED US CORP BOND INDEX ETF 33939L761 1,173 25,697 SH   OTR 1 0 0 25,697
FLEXSHARES DEV MKTS EXUS QL LOW VOLATIITY INDEX ETF 33939L647 212 9,877 SH   OTR 1 0 0 9,877
FLEXSHARES HIGH YIELD VALUESCORED BOND INDEX ETF 33939L662 1,119 28,632 SH   OTR 1 0 0 28,632
FLEXSHARES STOXX GLOBAL BROAD INFRASTRUCTURE INDEX FUND ETF 33939L795 51 1,126 SH   OTR 1 0 0 1,126
FLEXSHARES STOXX US ESG SELECT INDEX FUND ETF 33939L696 3,210 37,366 SH   SOLE   0 0 37,366
FLEXSHARES TR GLOBAL QUALITY REAL ESTATE INDEX FD ETF 33939L787 46 917 SH   OTR 1 0 0 917
FLEXSHARES TR IBOXX 3 YR TARGET DURATION TIPS INDEX FD ETF 33939L506 1,242 53,104 SH   SOLE   0 0 53,104
FLEXSHARES TR MORNINGSTAR US MKT FACTOR TILT INDEX FD ETF 33939L100 787 5,689 SH   OTR 1 0 0 5,689
FLEXSHARES TR READY ACCESS VAR INCOME FD ETF 33939L886 636 8,549 SH   SOLE   0 0 8,549
FLEXSHARES US QUALITY LARGE CAP INDEX FUND ETF 33939L746 499 12,580 SH   OTR 1 0 0 12,580
FLEXSHARES US QUALITY LOW VOLATILITY INDEX ETF 33939L654 1,447 31,197 SH   OTR 1 0 0 31,197
FORD MOTOR COMPANY C 345370860 16 1,400 SH   SOLE   0 0 1,400
GATX CORP C 361448103 383 4,500 SH   SOLE   0 0 4,500
GILEAD SCIENCE INC. C 375558103 197 3,200 SH   SOLE   0 0 3,200
GLOBAL X U.S. INFRASTRUCTURE DEVELOPMENT ETF ETF 37954Y673 385 16,703 SH   SOLE   0 0 16,703
HASBRO INC C 418056107 13 200 SH   SOLE   0 0 200
HONEYWELL INTL C 438516106 5 32 SH   SOLE   0 0 32
INVESCO CURRENCYSHARES SWISS FRANC TRUST ETF 46138R108 120 1,324 SH   SOLE   0 0 1,324
INVESCO DB COMMODITY INDEX TRACKING FUND ETF 46138B103 33 1,392 SH   SOLE   0 0 1,392
INVESCO MSCI SUSTAINABLE FUTURE ETF ETF 46137V407 337 6,906 SH   SOLE   0 0 6,906
INVESCO NATIONAL AMT FREE MUNICIPAL BOND ETF ETF 46138E537 601 27,197 SH   OTR 1 0 0 27,197
INVESCO QQQ TRUST ETF 46090E103 529 1,978 SH   SOLE   0 0 1,978
INVESCO S&P 500 EQUAL WEIGHT REAL ESTATE ETF ETF 46137V290 663 22,150 SH   SOLE   0 0 22,150
INVESCO S&P 500 HIGH DIVIDEND LOW VOLATILITY ETF ETF 46138E362 748 19,134 SH   OTR 1 0 0 19,134
INVESCO S&P INTERNATIONAL DEVELOPED QUALITY ETF ETF 46138E214 847 40,067 SH   SOLE   0 0 40,067
INVESCO TAXABLE MUNICIPAL BOND ETF ETF 46138G805 342 13,341 SH   OTR 1 0 0 13,341
iShares Core S&P 500 ETF ETF 464287200 16,536 46,106 SH   SOLE   0 0 46,106
iShares Core US Aggregate Bond ETF ETF 464287226 12,682 131,639 SH   SOLE   0 0 131,639
ISHARES FLOATING RATE BOND ETF ETF 46429B655 174 3,468 SH   SOLE   0 0 3,468
ISHARES GLOBAL ENERGY ETF ETF 464287341 55 1,665 SH   SOLE   0 0 1,665
ISHARES GLOBAL MATERIALS ETF ETF 464288695 5 76 SH   SOLE   0 0 76
ISHARES GOLD TRUST WF 464285204 694 22,006 SH   SOLE   0 0 22,006
ISHARES GOLDMAN SACHS TECHNOLOGY INDEX FUND ETF 464287549 1,803 6,522 SH   SOLE   0 0 6,522
ISHARES IBOXX INVESTMENT GRADE CO ETF ETF 464287242 6,142 59,950 SH   OTR 1 0 0 59,950
ISHARES INTERMEDIATE TERM CORPORATE BOND ETF ETF 464288638 4,002 82,890 SH   OTR 1 0 0 82,890
ISHARES JP MORGAN USD EMERGING MKTS BD ETF ETF 464288281 138 1,739 SH   OTR 1 0 0 1,739
ISHARES LATIN AMERICA 40 ETF ETF 464287390 8 324 SH   SOLE   0 0 324
ISHARES MSCI ACWI EX US ETF ETF 464288240 278 6,939 SH   SOLE   0 0 6,939
ISHARES MSCI EAFE MINIMUM VOLATILITY ETF ETF 46429B689 218 3,816 SH   OTR 1 0 0 3,816
ISHARES MSCI EAFE VALUE ETF ETF 464288877 7,085 183,894 SH   SOLE   0 0 183,894
ISHARES NORTH AMERICAN NATURAL RES ETF ETF 464287374 1,423 40,949 SH   OTR 1 0 0 40,949
ISHARES RESIDENTIAL REAL ESTATE ETF ETF 464288562 2,013 28,033 SH   OTR 1 0 0 28,033
ISHARES S&P 500 GROWTH ETF ETF 464287309 127 2,190 SH   SOLE   0 0 2,190
ISHARES SELECT DIVIDEND ETF ETF 464287168 305 2,847 SH   OTR 1 0 0 2,847
ISHARES SHORT-TERM CORPORATE BOND ETF ETF 464288646 42 860 SH   SOLE   0 0 860
ISHARES SHORT-TERM NATIONAL MUNI BOND ETF ETF 464288158 7 65 SH   SOLE   0 0 65
ISHARES SILVER TRUST WF 46428Q109 208 11,897 SH   SOLE   0 0 11,897
iShares TIPS Bond ETF ETF 464287176 1,492 14,227 SH   OTR 1 0 0 14,227
ISHARES TR 10-20 YR TREAS BD ETF ETF 464288653 304 2,786 SH   SOLE   0 0 2,786
ISHARES TR 3-7 YR TREAS BD ETF ETF 464288661 562 4,915 SH   SOLE   0 0 4,915
ISHARES TR BARCLAYS 1-3 TREAS BD ETF ETF 464287457 5,633 69,358 SH   OTR 1 0 0 69,358
ISHARES TR BARCLAYS 20 YR TREAS BD ETF ETF 464287432 1,875 18,299 SH   OTR 1 0 0 18,299
ISHARES TR BARCLAYS 7-10 YR TREAS BD ETF ETF 464287440 42 437 SH   SOLE   0 0 437
ISHARES TR COHEN & STEERS REIT ETF ETF 464287564 58 1,075 SH   SOLE   0 0 1,075
ISHARES TR DOW JONES US AEROSPACE & DEFENSE INDEX FD ETF 464288760 2,102 23,049 SH   SOLE   0 0 23,049
ISHARES TR IBOXX HIGH YIELD CORP BD ETF ETF 464288513 15 214 SH   SOLE   0 0 214
ISHARES TR MSCI EAFE ETF ETF 464287465 259 4,618 SH   SOLE   0 0 4,618
ISHARES TR NATL AMT FREE MUNI BD ETF ETF 464288414 416 4,055 SH   SOLE   0 0 4,055
ISHARES TR RUSSELL 1000 GROWTH ETF ETF 464287614 82 391 SH   SOLE   0 0 391
ISHARES TR RUSSELL 2000 ETF ETF 464287655 234 1,419 SH   SOLE   0 0 1,419
ISHARES TR RUSSELL 2000 VALUE ETF ETF 464287630 7,615 59,066 SH   SOLE   0 0 59,066
ISHARES TR S&P 500 VALUE ETF ETF 464287408 335 2,605 SH   SOLE   0 0 2,605
ISHARES TR S&P US PFD STOCK INDEX FUND ETF 464288687 518 16,346 SH   OTR 1 0 0 16,346
ISHARES US TREASURY BOND ETF ETF 46429B267 188 8,271 SH   OTR 1 0 0 8,271
JOHNSON & JOHNSON C 478160104 41 250 SH   SOLE   0 0 250
JPM DIVERSIFIED RETURN INTL EQUITY ETF ETF 46641Q209 15 353 SH   SOLE   0 0 353
JPMORGAN DIVERSIFIED RETURN US SMALL CAP EQUITY ETF ETF 46641Q845 434 12,271 SH   SOLE   0 0 12,271
JPMORGAN DIVERSIFIED RETURN USEQUITY ETF ETF 46641Q407 539 6,309 SH   SOLE   0 0 6,309
L3 HARRIS TECHNOLOGIES INC C 502431109 6 27 SH   SOLE   0 0 27
MERCK & CO INC NEW C 58933Y105 86 1,000 SH   SOLE   0 0 1,000
MGE ENERGY INC. - COMMON STOCK C 55277P104 119 1,820 SH   SOLE   0 0 1,820
MICROSOFT CORP C 594918104 245 1,051 SH   SOLE   0 0 1,051
MORGAN STANLEY CO C 617446448 158 2,000 SH   SOLE   0 0 2,000
MOTOROLA INC COM NEW C 620076307 4 20 SH   SOLE   0 0 20
NAVIENT CORP COM C 63938C108 7 500 SH   SOLE   0 0 500
NEXTERA ENERGY INC COM C 65339F101 208 2,648 SH   SOLE   0 0 2,648
NORFOLK SOUTHERN CORP COM C 655844108 10 48 SH   SOLE   0 0 48
Organon & Co. C 68622V106 2 100 SH   SOLE   0 0 100
PEPSICO INC C 713448108 37 225 SH   SOLE   0 0 225
PROCTER & GAMBLE C 742718109 40 314 SH   SOLE   0 0 314
PROSHARES TR S&P 500 ARISTOCRATS ETF ETF 74348A467 172 2,156 SH   OTR 1 0 0 2,156
PROSHARES TR SHORT 20 YR ETF 74347X849 1,763 79,065 SH   OTR 1 0 0 79,065
ROPER TECHNOLGIES INC COM C 776696106 94 260 SH   SOLE   0 0 260
SCHWAB STRATEGIC TR EMERGING MKTS EQUITY ETF ETF 808524706 7 334 SH   SOLE   0 0 334
SCHWAB STRATEGIC TR US REIT ETF ETF 808524847 2,070 110,746 SH   OTR 1 0 0 110,746
SELECT SECTOR SPDR FD HEALTH CARE ETF 81369Y209 2,158 17,817 SH   SOLE   0 0 17,817
SELECT SECTOR SPDR TR MATLS ETF 81369Y100 360 5,298 SH   SOLE   0 0 5,298
SOUTHERN CO C 842587107 150 2,208 SH   SOLE   0 0 2,208
SPDR BLOOMBERG 1-3 MONTH T-BILL ETF ETF 78468R663 810 8,841 SH   SOLE   0 0 8,841
SPDR BLOOMBERG HIGH YIELD BOND ETF NEW ETF 78468R622 15 166 SH   SOLE   0 0 166
SPDR BLOOMBERG INTERNATIONAL TREASURY BOND ETF ETF 78464A516 87 4,180 SH   SOLE   0 0 4,180
SPDR FTSE INTL GOVERNMENT INFLATION PROTECTED BD ETF ETF 78464A490 17 419 SH   SOLE   0 0 419
SPDR GOLD TR GOLD SHS WF 78463V107 2,360 15,261 SH   SOLE   0 0 15,261
SPDR INDEX SHS FDS S7P NORTH AMERICAN NATURAL RSOURCES ETF ETF 78463X152 88 1,840 SH   SOLE   0 0 1,840
SPDR PORTFOLIO CORPOARTE BOND ETF ETF 78464A144 99 3,580 SH   SOLE   0 0 3,580
SPDR PORTFOLIO MSCI GLOBAL STOCK MARKET ETF ETF 78463X475 2,050 47,917 SH   SOLE   0 0 47,917
SPDR S&P 500 ETF TR TR UNIT ETF 78462F103 374 1,048 SH   SOLE   0 0 1,048
SPDR SER TR S&P BIOTECH ETF ETF 78464A870 632 7,966 SH   SOLE   0 0 7,966
TECHNOLOGY SECTOR SPDR TR ETF 81369Y803 313 2,635 SH   SOLE   0 0 2,635
TESLA INC C 88160R101 349 1,317 SH   SOLE   0 0 1,317
TEXAS INSTRUMENTS INC. C 882508104 15 100 SH   SOLE   0 0 100
TRAVELERS COS INC COM C 89417E109 24 158 SH   SOLE   0 0 158
UNILEVER PLC C 904767704 22 500 SH   SOLE   0 0 500
UNION PACIFIC CORP. C 907818108 115 590 SH   SOLE   0 0 590
UNIVERSAL HEALTH RLTY TR SBI RHTA 91359E105 24 560 SH   SOLE   0 0 560
US BANCORP DEL COM NEW C 902973304 543 13,462 SH   SOLE   0 0 13,462
UTILITIES SELECT SECTOR SPDR FUND ETF 81369Y886 2,216 33,825 SH   SOLE   0 0 33,825
VANECK INFLATION ALLOCATION ETF 92189F130 65 2,847 SH   SOLE   0 0 2,847
VANECK SEMICONDUCTOR ETF ETF 92189F676 102 550 SH   SOLE   0 0 550
VANGUARD CHARLOTTE FDS TOTAL INTL BD INDEX FD ETF 92203J407 4,254 89,124 SH   SOLE   0 0 89,124
VANGUARD DEVELOPED MARKETS INDEX FUND ETF 921943858 2,301 63,272 SH   OTR 1 0 0 63,272
VANGUARD DIVIDEND APPRECIATION VIPERS ETF 921908844 12,474 92,292 SH   SOLE   0 0 92,292
VANGUARD GROWTH VIPERS ETF 922908736 7 32 SH   SOLE   0 0 32
VANGUARD HIGH DIVIDEND YIELD ETF ETF 921946406 1,166 12,292 SH   SOLE   0 0 12,292
VANGUARD INDEX FDS S&P 500 ETF SHS NEW ETF 922908363 2,226 6,780 SH   OTR 1 0 0 6,780
VANGUARD INTERMEDIATE TERM ETF 92206C870 602 7,960 SH   SOLE   0 0 7,960
VANGUARD INTL EQUITY INDEX FDS FTSE EMERGING MKTS ETF 922042858 25 680 SH   SOLE   0 0 680
VANGUARD INTL EQUITY INDEX FDS GLOBAL EX-US REAL ESTATE INDEX ETF 922042676 34 879 SH   SOLE   0 0 879
VANGUARD LARGE-CAP VIPERS ETF 922908637 2,360 14,431 SH   SOLE   0 0 14,431
VANGUARD MID-CAP VIPERS ETF 922908629 1,215 6,462 SH   SOLE   0 0 6,462
VANGUARD REAL ESTATE ETF ETF 922908553 158 1,974 SH   OTR 1 0 0 1,974
VANGUARD SECTOR INDEX FDS VANGUARD CONSUMER DISCRETIONARY VIPERS ETF 92204A108 435 1,852 SH   SOLE   0 0 1,852
VANGUARD SECTOR INDEX FDS VANGUARD TELECOMMUNICATION SVCS VIPERS ETF 92204A884 262 3,175 SH   SOLE   0 0 3,175
VANGUARD SECTOR INDEX FDS VANGUARD UTILITIES VIPERS ETF 92204A876 494 3,471 SH   SOLE   0 0 3,471
VANGUARD SHORT TERM CORP BOND INDEX FUND ETF ETF 92206C409 273 4,056 SH   SOLE   0 0 4,056
VANGUARD SMALL-CAP VALUE VIPERS ETF 922908611 2 14 SH   SOLE   0 0 14
VANGUARD TOTAL STOCK MARKET VIPERS ETF 922908769 50 279 SH   SOLE   0 0 279
VANGUARD TREASURY MONEY MARKET FUND INVESTOR CLASS (GOVT) MM 921932109 20,769 20,768,655 SH   OTR 1 0 0 20,768,655
VANGUARD WELLINGTON FD US QUALITY FACTOR ETF ETF 921935706 783 8,220 SH   SOLE   0 0 8,220
VANGUARD WHITEHALL FDS EMERGING MKT GOVT BD INDEX FD ETF CL ETF 921946885 86 1,489 SH   SOLE   0 0 1,489
VISA INC COM CL A C 92826C839 51 288 SH   SOLE   0 0 288
WARNER BROS DISCOVERY C 934423104 3 253 SH   SOLE   0 0 253
WEYERHAEUSER CO RHTA 962166104 50 1,742 SH   SOLE   0 0 1,742
Wilmington US Treasury Money Mkt Admin MM 97181C480 1,168 1,168,195 SH   OTR 1 0 0 1,168,195
WISDOMTREE BARCLAYS U.S. AGGREGATE BOND ZERO DURATION FUND ETF 97717W380 347 7,620 SH   SOLE   0 0 7,620
WISDOMTREE TR BLOOMBERG US DOLLAR BULLISH FD ETF 97717W471 193 6,476 SH   SOLE   0 0 6,476
WISDOMTREE TR HIGH DIVID FD ETF 97717W208 423 5,574 SH   SOLE   0 0 5,574
WISDOMTREE TR US QUALITY DIVID GROWTH FD ETF 97717X669 407 7,543 SH   SOLE   0 0 7,543