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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
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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ISHARES TR CORE S&P500 ETF 464287200   18,082,254 47,063 SH   SOLE   0 0 47,063
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   14,502,064 95,503 SH   SOLE   0 0 95,503
ISHARES TR CORE US AGGBD ET 464287226   12,915,053 133,159 SH   SOLE   0 0 133,159
ISHARES TR EAFE VALUE ETF 464288877   8,542,031 186,182 SH   SOLE   0 0 186,182
ISHARES TR RUS 2000 VAL ETF 464287630   8,374,567 60,392 SH   SOLE   0 0 60,392
ISHARES TR IBOXX INV CP ETF 464287242   7,030,754 66,686 SH   SOLE   0 0 66,686
FLEXSHARES TR READY ACC VARI 33939L886   4,445,390 59,750 SH   SOLE   0 0 59,750
ISHARES TR ISHS 5-10YR INVT 464288638   4,261,318 86,070 SH   SOLE   0 0 86,070
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   4,229,520 89,174 SH   SOLE   0 0 89,174
FLEXSHARES TR STOX US ESG SLCT 33939L696   3,828,572 41,694 SH   SOLE   0 0 41,694
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   2,996,968 71,407 SH   SOLE   0 0 71,407
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308   2,925,337 39,240 SH   SOLE   0 0 39,240
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   2,733,229 7,779 SH   SOLE   0 0 7,779
SPDR GOLD TR GOLD SHS 78463V107   2,718,651 16,026 SH   SOLE   0 0 16,026
ISHARES TR US AER DEF ETF 464288760   2,682,531 23,981 SH   SOLE   0 0 23,981
VANGUARD INDEX FDS LARGE CAP ETF 922908637   2,655,507 15,244 SH   SOLE   0 0 15,244
SPDR INDEX SHS FDS PORTFLI MSCI GBL 78463X475   2,645,379 56,731 SH   SOLE   0 0 56,731
SPDR SER TR BLOOMBERG 1-3 MO 78468R663   2,620,524 28,649 SH   SOLE   0 0 28,649
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   2,563,906 18,873 SH   SOLE   0 0 18,873
SCHWAB STRATEGIC TR US REIT ETF 808524847   2,518,347 130,552 SH   SOLE   0 0 130,552
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886   2,501,984 35,489 SH   SOLE   0 0 35,489
ISHARES TR RESIDENTIAL MULT 464288562   2,282,762 33,403 SH   SOLE   0 0 33,403
ISHARES TR 20 YR TR BD ETF 464287432   2,105,282 21,146 SH   SOLE   0 0 21,146
ISHARES TR NORTH AMERN NAT 464287374   1,831,025 45,033 SH   SOLE   0 0 45,033
ISHARES TR EXPND TEC SC ETF 464287549   1,803,079 6,440 SH   SOLE   0 0 6,440
SELECT SECTOR SPDR TR ENERGY 81369Y506   1,626,727 18,598 SH   SOLE   0 0 18,598
VANGUARD INDEX FDS MID CAP ETF 922908629   1,557,152 7,640 SH   SOLE   0 0 7,640
ISHARES TR TIPS BD ETF 464287176   1,465,287 13,766 SH   SOLE   0 0 13,766
FIRST TR EXCHANGE TRADED FD WTR ETF 33733B100   1,445,692 18,217 SH   SOLE   0 0 18,217
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   1,344,952 12,429 SH   SOLE   0 0 12,429
FLEXSHARES TR IBOXX 3R TARGT 33939L506   1,119,298 47,589 SH   SOLE   0 0 47,589
INVESCO EXCH TRADED FD TR II S&P INTL DEV 46138E248   1,119,037 45,241 SH   SOLE   0 0 45,241
FLEXSHARES TR CR SCD US BD 33939L761   1,072,953 23,136 SH   SOLE   0 0 23,136
APPLE INC COM 037833100   1,047,106 8,059 SH   SOLE   0 0 8,059
FLEXSHARES TR HIG YLD VL ETF 33939L662   1,045,345 26,232 SH   SOLE   0 0 26,232
VANGUARD WELLINGTON FD US QUALITY 921935706   1,006,970 9,604 SH   SOLE   0 0 9,604
FLEXSHARES TR US QT LW VLTY 33939L654   925,814 18,418 SH   SOLE   0 0 18,418
INVESCO QQQ TR UNIT SER 1 46090E103   925,057 3,474 SH   SOLE   0 0 3,474
INVESCO EXCH TRADED FD TR II S&P500 HDL VOL 46138E362   872,131 19,898 SH   SOLE   0 0 19,898
ISHARES TR 1 3 YR TREAS BD 464287457   851,367 10,489 SH   SOLE   0 0 10,489
INVESCO EXCHANGE TRADED FD T S&P500 EQL REL 46137V290   825,884 26,858 SH   SOLE   0 0 26,858
FLEXSHARES TR MORNSTAR USMKT 33939L100   768,559 5,172 SH   SOLE   0 0 5,172
ISHARES TR NATIONAL MUN ETF 464288414   759,111 7,194 SH   SOLE   0 0 7,194
ISHARES GOLD TR ISHARES NEW 464285204   738,427 21,348 SH   SOLE   0 0 21,348
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   711,505 9,180 SH   SOLE   0 0 9,180
SPDR SER TR S&P BIOTECH 78464A870   703,166 8,472 SH   SOLE   0 0 8,472
VANGUARD WORLD FDS UTILITIES ETF 92204A876   654,234 4,266 SH   SOLE   0 0 4,266
J P MORGAN EXCHANGE TRADED F JPMORGAN DIVER 46641Q407   625,864 6,603 SH   SOLE   0 0 6,603
ISHARES TR PFD AND INCM SEC 464288687   609,837 19,975 SH   SOLE   0 0 19,975
INVESCO EXCH TRADED FD TR II NATL AMT MUNI 46138E537   607,933 26,501 SH   SOLE   0 0 26,501
US BANCORP DEL COM NEW 902973304   587,078 13,462 SH   SOLE   0 0 13,462
FLEXSHARES TR QUALT DIVD IDX 33939L860   557,823 10,605 SH   SOLE   0 0 10,605
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   557,118 4,477 SH   SOLE   0 0 4,477
WISDOMTREE TR US QTLY DIV GRT 97717X669   549,904 9,110 SH   SOLE   0 0 9,110
ISHARES TR 3 7 YR TREAS BD 464288661   530,664 4,619 SH   SOLE   0 0 4,619
J P MORGAN EXCHANGE TRADED F DIVERSFD EQT ETF 46641Q845   508,150 13,117 SH   SOLE   0 0 13,117
WISDOMTREE TR US HIGH DIVIDEND 97717W208   485,347 5,640 SH   SOLE   0 0 5,640
GATX CORP COM 361448103   478,530 4,500 SH   SOLE   0 0 4,500
ISHARES TR EXPONENTIAL TECH 46434V381   463,979 9,801 SH   SOLE   0 0 9,801
SPDR S&P 500 ETF TR TR UNIT 78462F103   456,896 1,195 SH   SOLE   0 0 1,195
GLOBAL X FDS US INFR DEV ETF 37954Y673   450,648 17,012 SH   SOLE   0 0 17,012
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100   426,152 5,486 SH   SOLE   0 0 5,486
FLEXSHARES TR US QUALITY CAP 33939L746   417,961 9,809 SH   SOLE   0 0 9,809
INVESCO EXCHANGE TRADED FD T INVESCO MSCI 46137V407   410,508 8,592 SH   SOLE   0 0 8,592
ARK ETF TR INNOVATION ETF 00214Q104   409,015 13,093 SH   SOLE   0 0 13,093
ISHARES TR S&P 500 VAL ETF 464287408   370,368 2,553 SH   SOLE   0 0 2,553
VANGUARD WORLD FDS CONSUM DIS ETF 92204A108   366,427 1,673 SH   SOLE   0 0 1,673
WISDOMTREE TR INTRST RATE HDGE 97717W380   360,126 8,287 SH   SOLE   0 0 8,287
ISHARES TR SELECT DIVID ETF 464287168   351,308 2,913 SH   SOLE   0 0 2,913
INVESCO EXCH TRADED FD TR II TAXABLE MUN BD 46138G805   338,009 13,147 SH   SOLE   0 0 13,147
AMERICAN ELEC PWR CO INC COM 025537101   332,325 3,500 SH   SOLE   0 0 3,500
ISHARES TR MSCI ACWI EX US 464288240   330,380 7,261 SH   SOLE   0 0 7,261
ALLSTATE CORP COM 020002101   322,186 2,376 SH   SOLE   0 0 2,376
ISHARES TR MSCI EAFE ETF 464287465   299,118 4,557 SH   SOLE   0 0 4,557
AMPLIFY ETF TR ONLIN RETL ETF 032108102   285,147 7,313 SH   SOLE   0 0 7,313
ISHARES TR 10-20 YR TRS ETF 464288653   282,127 2,608 SH   SOLE   0 0 2,608
GILEAD SCIENCES INC COM 375558103   274,720 3,200 SH   SOLE   0 0 3,200
VANGUARD WORLD FDS COMM SRVC ETF 92204A884   256,702 3,121 SH   SOLE   0 0 3,121
ISHARES SILVER TR ISHARES 46428Q109   255,322 11,595 SH   SOLE   0 0 11,595
MICROSOFT CORP COM 594918104   252,051 1,051 SH   SOLE   0 0 1,051
ISHARES TR RUSSELL 2000 ETF 464287655   243,169 1,395 SH   SOLE   0 0 1,395
ISHARES TR MSCI EAFE MIN VL 46429B689   237,236 3,731 SH   SOLE   0 0 3,731
CHEVRON CORP NEW COM 166764100   221,850 1,236 SH   SOLE   0 0 1,236
NEXTERA ENERGY INC COM 65339F101   221,373 2,648 SH   SOLE   0 0 2,648
FLEXSHARES TR DEV MRK EX LOW 33939L647   215,385 8,949 SH   SOLE   0 0 8,949
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   213,348 2,837 SH   SOLE   0 0 2,837
PROSHARES TR S&P 500 DV ARIST 74348A467   191,319 2,126 SH   SOLE   0 0 2,126
SPDR SER TR PORTFOLIO CRPORT 78464A144   186,485 6,571 SH   SOLE   0 0 6,571
VANECK ETF TRUST SEMICONDUCTR ETF 92189F676   184,472 909 SH   SOLE   0 0 909
ISHARES TR FLTG RATE NT ETF 46429B655   182,886 3,634 SH   SOLE   0 0 3,634
WISDOMTREE TR BLMBG US BULL 97717W471   181,512 6,968 SH   SOLE   0 0 6,968
MORGAN STANLEY COM NEW 617446448   170,040 2,000 SH   SOLE   0 0 2,000
SPDR INDEX SHS FDS S&P NORTH AMER 78463X152   167,919 3,097 SH   SOLE   0 0 3,097
ISHARES TR US TREAS BD ETF 46429B267   167,742 7,383 SH   SOLE   0 0 7,383
VANGUARD WHITEHALL FDS EM MK GOV BD ETF 921946885   163,670 2,684 SH   SOLE   0 0 2,684
ABRDN ETFS BBRG ALL COMMDY 003261203   163,576 4,729 SH   SOLE   0 0 4,729
DTE ENERGY CO COM 233331107   162,897 1,386 SH   SOLE   0 0 1,386
TESLA INC COM 88160R101   162,228 1,317 SH   SOLE   0 0 1,317
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   162,226 1,967 SH   SOLE   0 0 1,967
SOUTHERN CO COM 842587107   157,673 2,208 SH   SOLE   0 0 2,208
ISHARES TR JPMORGAN USD EMG 464288281   134,667 1,592 SH   SOLE   0 0 1,592
MGE ENERGY INC COM 55277P104   128,128 1,820 SH   SOLE   0 0 1,820
INVESCO CURRENCYSHARES SWISS SWISS FRANC 46138R108   127,779 1,324 SH   SOLE   0 0 1,324
ISHARES TR S&P 500 GRWT ETF 464287309   126,243 2,158 SH   SOLE   0 0 2,158
ROPER TECHNOLOGIES INC COM 776696106   112,343 260 SH   SOLE   0 0 260
MERCK & CO INC COM 58933Y105   110,950 1,000 SH   SOLE   0 0 1,000
DOMINION ENERGY INC COM 25746U109   105,470 1,720 SH   SOLE   0 0 1,720
COSTCO WHSL CORP NEW COM 22160K105   104,995 230 SH   SOLE   0 0 230
WEYERHAEUSER CO MTN BE COM NEW 962166104   94,674 3,054 SH   SOLE   0 0 3,054
VANGUARD INDEX FDS TOTAL STK MKT 922908769   94,257 493 SH   SOLE   0 0 493
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   92,670 300 SH   SOLE   0 0 300
SPDR SER TR BLOOMBERG INTL T 78464A516   92,148 4,108 SH   SOLE   0 0 4,108
EXXON MOBIL CORP COM 30231G102   88,240 800 SH   SOLE   0 0 800
DISCOVER FINL SVCS COM 254709108   88,047 900 SH   SOLE   0 0 900
UNION PAC CORP COM 907818108   81,171 392 SH   SOLE   0 0 392
VANECK ETF TRUST INFLATION ALLOCA 92189F130   70,606 2,847 SH   SOLE   0 0 2,847
ISHARES TR GLOBAL ENERG ETF 464287341   66,400 1,703 SH   SOLE   0 0 1,703
VISA INC COM CL A 92826C839   59,835 288 SH   SOLE   0 0 288
ISHARES TR COHEN STEER REIT 464287564   59,023 1,076 SH   SOLE   0 0 1,076
FLEXSHARES TR STOXX GLOBR INF 33939L795   51,620 1,024 SH   SOLE   0 0 1,024
PROCTER AND GAMBLE CO COM 742718109   47,590 314 SH   SOLE   0 0 314
LILLY ELI & CO COM 532457108   47,559 130 SH   SOLE   0 0 130
PROSHARES TR SHRT 20+YR TRE 74347X849   47,515 2,095 SH   SOLE   0 0 2,095
AMAZON COM INC COM 023135106   47,208 562 SH   SOLE   0 0 562
ISHARES TR ISHS 1-5YR INVS 464288646   45,041 904 SH   SOLE   0 0 904
FLEXSHARES TR GLB QLT R/E IDX 33939L787   45,007 855 SH   SOLE   0 0 855
JOHNSON & JOHNSON COM 478160104   44,163 250 SH   SOLE   0 0 250
ISHARES TR 7-10 YR TRSY BD 464287440   41,849 437 SH   SOLE   0 0 437
AMEREN CORP COM 023608102   39,480 444 SH   SOLE   0 0 444
PEPSICO INC COM 713448108   38,842 215 SH   SOLE   0 0 215
DT MIDSTREAM INC COMMON STOCK 23345M107   38,295 693 SH   SOLE   0 0 693
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676   36,480 882 SH   SOLE   0 0 882
INVESCO DB COMMDY INDX TRCK UNIT 46138B103   34,313 1,392 SH   SOLE   0 0 1,392
CONSOLIDATED EDISON INC COM 209115104   30,499 320 SH   SOLE   0 0 320
TRAVELERS COMPANIES INC COM 89417E109   29,623 158 SH   SOLE   0 0 158
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   27,787 713 SH   SOLE   0 0 713
UNIVERSAL HEALTH RLTY INCOME SH BEN INT 91359E105   26,729 560 SH   SOLE   0 0 560
DISNEY WALT CO COM 254687106   26,064 300 SH   SOLE   0 0 300
UNILEVER PLC SPON ADR NEW 904767704   25,175 500 SH   SOLE   0 0 500
INVESCO EXCH TRADED FD TR II S&P INTL QULTY 46138E214   24,008 971 SH   SOLE   0 0 971
AMERICAN EXPRESS CO COM 025816109   22,163 150 SH   SOLE   0 0 150
J P MORGAN EXCHANGE TRADED F DIV RTN INT EQ 46641Q209   17,396 353 SH   SOLE   0 0 353
TEXAS INSTRS INC COM 882508104   16,522 100 SH   SOLE   0 0 100
FORD MTR CO DEL COM 345370860   16,282 1,400 SH   SOLE   0 0 1,400
ISHARES TR IBOXX HI YD ETF 464288513   15,757 214 SH   SOLE   0 0 214
SPDR SER TR BLOOMBERG HIGH Y 78468R622   14,940 166 SH   SOLE   0 0 166
CISCO SYS INC COM 17275R102   14,292 300 SH   SOLE   0 0 300
BOEING CO COM 097023105   14,287 75 SH   SOLE   0 0 75
HASBRO INC COM 418056107   12,202 200 SH   SOLE   0 0 200
AT&T INC COM 00206R102   12,077 656 SH   SOLE   0 0 656
NORFOLK SOUTHN CORP COM 655844108   11,828 48 SH   SOLE   0 0 48
SPDR SER TR FTSE INT GVT ETF 78464A490   11,577 281 SH   SOLE   0 0 281
COCA-COLA EUROPACIFIC PARTNE SHS G25839104   11,064 200 SH   SOLE   0 0 200
NAVIENT CORPORATION COM 63938C108   8,225 500 SH   SOLE   0 0 500
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   8,190 346 SH   SOLE   0 0 346
DUKE ENERGY CORP NEW COM NEW 26441C204   7,724 75 SH   SOLE   0 0 75
ISHARES TR LATN AMER 40 ETF 464287390   7,141 312 SH   SOLE   0 0 312
VANGUARD INDEX FDS GROWTH ETF 922908736   6,820 32 SH   SOLE   0 0 32
ISHARES TR SHRT NAT MUN ETF 464288158   6,778 65 SH   SOLE   0 0 65
HONEYWELL INTL INC COM 438516106   6,429 30 SH   SOLE   0 0 30
ISHARES TR GLOBAL MATER ETF 464288695   6,057 77 SH   SOLE   0 0 77
L3HARRIS TECHNOLOGIES INC COM 502431109   5,622 27 SH   SOLE   0 0 27
MOTOROLA SOLUTIONS INC COM NEW 620076307   5,154 20 SH   SOLE   0 0 20
ALTRIA GROUP INC COM 02209S103   4,571 100 SH   SOLE   0 0 100
ORGANON & CO COMMON STOCK 68622V106   2,793 100 SH   SOLE   0 0 100
CARNIVAL CORP COMMON STOCK 143658300   2,418 300 SH   SOLE   0 0 300
VANGUARD INDEX FDS SM CP VAL ETF 922908611   2,064 13 SH   SOLE   0 0 13