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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
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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
ALPHABET INC CAP STK CL A 02079K305   544,933 1,741 SH   SOLE   0 0 1,741
AMAZON COM INC COM 023135106   591,361 2,562 SH   SOLE   0 0 2,562
APPLE INC COM 037833100   285,491 1,050 SH   SOLE   0 0 1,050
FIDELITY COVINGTON TRUST HIGH DIVID ETF 316092840   257,555 4,543 SH   SOLE   0 0 4,543
FORD MTR CO COM 345370860   215,168 16,400 SH   SOLE   0 0 16,400
GAMESQUARE HLDGS INC COM 36468G103   4,620 12,000 SH   SOLE   0 0 12,000
INNOVATOR ETFS TRUST LADDERED ALC BFR 45783Y756   576,635 15,740 SH   SOLE   0 0 15,740
ISHARES GOLD TR ISHARES NEW 464285204   377,765 4,654 SH   SOLE   0 0 4,654
ISHARES TR CORE S&P TTL STK 464287150   504,654 3,394 SH   SOLE   0 0 3,394
ISHARES TR CORE S&P500 ETF 464287200   55,851,720 81,543 SH   SOLE   0 0 81,543
ISHARES TR CORE US AGGBD ET 464287226   7,333,593 73,424 SH   SOLE   0 0 73,424
ISHARES TR MSCI EAFE ETF 464287465   647,901 6,747 SH   SOLE   0 0 6,747
ISHARES TR CORE S&P MCP ETF 464287507   15,166,881 229,801 SH   SOLE   0 0 229,801
ISHARES TR RUS 1000 ETF 464287622   3,774,358 10,107 SH   SOLE   0 0 10,107
ISHARES TR CORE S&P SCP ETF 464287804   1,654,108 13,764 SH   SOLE   0 0 13,764
ISHARES TR NATIONAL MUN ETF 464288414   2,296,518 21,441 SH   SOLE   0 0 21,441
ISHARES TR IBOXX HI YD ETF 464288513   670,324 8,314 SH   SOLE   0 0 8,314
ISHARES TR EAFE GRWTH ETF 464288885   2,070,571 18,176 SH   SOLE   0 0 18,176
ISHARES TR CORE 40/60 MODER 464289875   286,983 6,013 SH   SOLE   0 0 6,013
ISHARES INC CORE MSCI EMKT 46434G103   2,194,590 32,648 SH   SOLE   0 0 32,648
LITMAN GREGORY FDS TR IMGP DBI MANAGED 53700T827   2,578,817 91,904 SH   SOLE   0 0 91,904
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109   205,684 428 SH   SOLE   0 0 428
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   321,570 11,950 SH   SOLE   0 0 11,950
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   206,515 8,590 SH   SOLE   0 0 8,590
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   292,174 12,502 SH   SOLE   0 0 12,502
VANGUARD INDEX FDS GROWTH ETF 922908736   695,201 1,425 SH   SOLE   0 0 1,425
VANGUARD INDEX FDS VALUE ETF 922908744   407,000 2,131 SH   SOLE   0 0 2,131