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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ABRDN GOLD ETF TRUST PHYSCL GOLD SHS 00326A104   439,720 25,170 SH   SOLE   0 0 25,170
ALPS ETF TR SECTR DIV DOGS 00162Q858   800,351 15,559 SH   SOLE   0 0 15,559
APPLE INC COM 037833100   543,398 4,182 SH   SOLE   0 0 4,182
BCE INC COM NEW 05534B760   280,049 6,372 SH   SOLE   0 0 6,372
FIDELITY COVINGTON TRUST QLTY FCTOR ETF 316092790   690,420 15,550 SH   SOLE   0 0 15,550
FIRST TR EXCHANGE TRADED FD CONSUMR STAPLE 33734X119   530,532 8,452 SH   SOLE   0 0 8,452
FIRST TR EXCHANGE-TRADED FD FIRST TR ENH NEW 33739Q408   1,131,203 19,031 SH   SOLE   0 0 19,031
INVESCO QQQ TR UNIT SER 1 46090E103   544,830 2,046 SH   SOLE   0 0 2,046
ISHARES GOLD TR ISHARES NEW 464285204   2,760,974 79,820 SH   SOLE   0 0 79,820
ISHARES TR 0-5 YR TIPS ETF 46429B747   2,373,096 24,475 SH   SOLE   0 0 24,475
ISHARES TR RUSSELL 2000 ETF 464287655   300,771 1,725 SH   SOLE   0 0 1,725
ISHARES TR IBONDS DEC23 ETF 46434VAX8   4,111,915 164,279 SH   SOLE   0 0 164,279
ISHARES TR CORE S&P500 ETF 464287200   468,363 1,219 SH   SOLE   0 0 1,219
ISHARES TR IBONDS DEC2023 46435G318   289,678 11,427 SH   SOLE   0 0 11,427
ISHARES TR RUS 1000 ETF 464287622   272,623 1,295 SH   SOLE   0 0 1,295
ISHARES TR IBONDS DEC24 ETF 46434VBG4   1,570,035 64,293 SH   SOLE   0 0 64,293
ISHARES TR CORE MSCI EAFE 46432F842   522,461 8,476 SH   SOLE   0 0 8,476
ISHARES TR CORE S&P SCP ETF 464287804   2,610,841 27,587 SH   SOLE   0 0 27,587
ISHARES TR HDG MSCI EAFE 46434V803   348,030 12,890 SH   SOLE   0 0 12,890
ISHARES TR U.S. MED DVC ETF 464288810   4,449,021 84,630 SH   SOLE   0 0 84,630
ISHARES TR IBONDS DEC25 ETF 46434VBD1   476,745 19,603 SH   SOLE   0 0 19,603
ISHARES TR U.S. UTILITS ETF 464287697   369,872 4,274 SH   SOLE   0 0 4,274
ISHARES TR 0-5YR HI YL CP 46434V407   1,310,743 32,055 SH   SOLE   0 0 32,055
ISHARES TR MSCI INTL QUALTY 46434V456   410,997 12,689 SH   SOLE   0 0 12,689
ISHARES TR CORE US AGGBD ET 464287226   2,182,067 22,498 SH   SOLE   0 0 22,498
ISHARES TR CORE S&P MCP ETF 464287507   1,267,917 5,242 SH   SOLE   0 0 5,242
ISHARES TR MSCI EAFE ETF 464287465   6,176,245 94,093 SH   SOLE   0 0 94,093
ISHARES TR GLB CNSM STP ETF 464288737   250,071 4,193 SH   SOLE   0 0 4,193
ISHARES TR CORE HIGH DV ETF 46429B663   1,394,835 13,381 SH   SOLE   0 0 13,381
ISHARES TR CORE S&P TTL STK 464287150   623,026 7,347 SH   SOLE   0 0 7,347
ISHARES TR TIPS BD ETF 464287176   1,626,908 15,285 SH   SOLE   0 0 15,285
ISHARES TR EAFE VALUE ETF 464288877   369,839 8,061 SH   SOLE   0 0 8,061
JOHNSON & JOHNSON COM 478160104   247,580 1,402 SH   SOLE   0 0 1,402
MICROSOFT CORP COM 594918104   3,364,479 14,029 SH   SOLE   0 0 14,029
PEPSICO INC COM 713448108   235,188 1,302 SH   SOLE   0 0 1,302
PIMCO ETF TR INV GRD CRP BD 72201R817   713,775 7,675 SH   SOLE   0 0 7,675
PRUDENTIAL FINL INC COM 744320102   594,472 5,977 SH   SOLE   0 0 5,977
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   3,025,698 46,116 SH   SOLE   0 0 46,116
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   1,321,874 17,499 SH   SOLE   0 0 17,499
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   4,160,843 92,156 SH   SOLE   0 0 92,156
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   390,456 9,639 SH   SOLE   0 0 9,639
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   15,690,250 350,151 SH   SOLE   0 0 350,151
SCHWAB STRATEGIC TR US REIT ETF 808524847   1,758,869 91,180 SH   SOLE   0 0 91,180
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   598,259 25,275 SH   SOLE   0 0 25,275
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   752,598 23,365 SH   SOLE   0 0 23,365
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   2,651,958 47,731 SH   SOLE   0 0 47,731
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704   821,148 8,361 SH   SOLE   0 0 8,361
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   828,077 6,654 SH   SOLE   0 0 6,654
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407   784,940 6,077 SH   SOLE   0 0 6,077
SPDR GOLD TR GOLD SHS 78463V107   342,842 2,021 SH   SOLE   0 0 2,021
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   265,399 8,939 SH   SOLE   0 0 8,939
SPDR S&P 500 ETF TR TR UNIT 78462F103   3,445,395 9,009 SH   SOLE   0 0 9,009
SPDR SER TR BLOOMBERG HIGH Y 78468R622   267,120 2,968 SH   SOLE   0 0 2,968
SPDR SER TR S&P HOMEBUILD 78464A888   275,542 4,568 SH   SOLE   0 0 4,568
SPDR SER TR PORTFLI HIGH YLD 78468R606   242,572 10,858 SH   SOLE   0 0 10,858
SPDR SER TR PRTFLO S&P500 GW 78464A409   201,768 3,982 SH   SOLE   0 0 3,982
SPROTT PHYSICAL GOLD & SILVE TR UNIT 85208R101   565,064 31,515 SH   SOLE   0 0 31,515
VANECK ETF TRUST IG FLOATING RATE 92189F486   2,106,391 84,662 SH   SOLE   0 0 84,662
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   646,233 8,584 SH   SOLE   0 0 8,584
VANGUARD INDEX FDS GROWTH ETF 922908736   470,777 2,209 SH   SOLE   0 0 2,209
VANGUARD INDEX FDS VALUE ETF 922908744   7,665,631 54,610 SH   SOLE   0 0 54,610
VANGUARD INDEX FDS SMALL CP ETF 922908751   1,032,963 5,628 SH   SOLE   0 0 5,628
VANGUARD INDEX FDS TOTAL STK MKT 922908769   2,217,804 11,600 SH   SOLE   0 0 11,600
VANGUARD INDEX FDS MID CAP ETF 922908629   421,683 2,069 SH   SOLE   0 0 2,069
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   440,900 5,346 SH   SOLE   0 0 5,346
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   9,111,370 25,933 SH   SOLE   0 0 25,933
VANGUARD SCOTTSDALE FDS VNG RUS1000IDX 92206C730   481,185 2,761 SH   SOLE   0 0 2,761
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   1,713,668 22,791 SH   SOLE   0 0 22,791
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   1,576,173 10,380 SH   SOLE   0 0 10,380
VANGUARD STAR FDS VG TL INTL STK F 921909768   1,297,293 25,083 SH   SOLE   0 0 25,083
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504   2,736,290 11,031 SH   SOLE   0 0 11,031
VANGUARD WORLD FDS CONSUM STP ETF 92204A207   3,665,022 19,132 SH   SOLE   0 0 19,132
VANGUARD WORLD FDS UTILITIES ETF 92204A876   1,290,986 8,418 SH   SOLE   0 0 8,418
VANGUARD WORLD FDS INDUSTRIAL ETF 92204A603   1,401,884 7,676 SH   SOLE   0 0 7,676
VANGUARD WORLD FDS CONSUM DIS ETF 92204A108   1,540,946 7,036 SH   SOLE   0 0 7,036
VANGUARD WORLD FDS INF TECH ETF 92204A702   8,309,979 26,017 SH   SOLE   0 0 26,017
WELLTOWER INC COM 95040Q104   508,865 7,763 SH   SOLE   0 0 7,763