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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hours per response: 23.8
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   462,373 25,170 SH   SOLE   0 0 25,170
ALPS ETF TR SECTR DIV DOGS 00162Q858   777,719 15,564 SH   SOLE   0 0 15,564
APPLE INC COM 037833100   733,551 3,782 SH   SOLE   0 0 3,782
BCE INC COM NEW 05534B760   289,542 6,351 SH   SOLE   0 0 6,351
FIDELITY COVINGTON TRUST QLTY FCTOR ETF 316092790   786,053 15,550 SH   SOLE   0 0 15,550
FIRST TR EXCHANGE TRADED FD CONSUMR STAPLE 33734X119   497,692 7,944 SH   SOLE   0 0 7,944
FIRST TR EXCHANGE-TRADED FD FIRST TR ENH NEW 33739Q408   1,130,632 19,031 SH   SOLE   0 0 19,031
INVESCO QQQ TR UNIT SER 1 46090E103   758,095 2,052 SH   SOLE   0 0 2,052
ISHARES GOLD TR ISHARES NEW 464285204   3,114,766 85,594 SH   SOLE   0 0 85,594
ISHARES TR CORE MSCI EAFE 46432F842   723,195 10,714 SH   SOLE   0 0 10,714
ISHARES TR 0-5 YR TIPS ETF 46429B747   2,621,472 26,859 SH   SOLE   0 0 26,859
ISHARES TR U.S. MED DVC ETF 464288810   5,054,753 89,528 SH   SOLE   0 0 89,528
ISHARES TR MSCI INTL QUALTY 46434V456   451,728 12,689 SH   SOLE   0 0 12,689
ISHARES TR IBONDS DEC2023 46435G318   291,490 11,435 SH   SOLE   0 0 11,435
ISHARES TR U.S. TECH ETF 464287721   286,437 2,631 SH   SOLE   0 0 2,631
ISHARES TR IBONDS DEC24 ETF 46434VBG4   1,859,819 75,541 SH   SOLE   0 0 75,541
ISHARES TR IBONDS DEC25 ETF 46434VBD1   499,278 20,479 SH   SOLE   0 0 20,479
ISHARES TR CORE HIGH DV ETF 46429B663   1,348,671 13,381 SH   SOLE   0 0 13,381
ISHARES TR HDG MSCI EAFE 46434V803   399,590 12,890 SH   SOLE   0 0 12,890
ISHARES TR CORE S&P MCP ETF 464287507   1,386,240 5,302 SH   SOLE   0 0 5,302
ISHARES TR EAFE VALUE ETF 464288877   394,505 8,061 SH   SOLE   0 0 8,061
ISHARES TR CORE S&P SCP ETF 464287804   2,854,751 28,648 SH   SOLE   0 0 28,648
ISHARES TR GLB CNSM STP ETF 464288737   256,570 4,193 SH   SOLE   0 0 4,193
ISHARES TR CORE US AGGBD ET 464287226   2,199,534 22,456 SH   SOLE   0 0 22,456
ISHARES TR IBONDS DEC23 ETF 46434VAX8   4,316,118 170,665 SH   SOLE   0 0 170,665
ISHARES TR TIPS BD ETF 464287176   1,570,292 14,591 SH   SOLE   0 0 14,591
ISHARES TR MSCI EAFE ETF 464287465   7,133,664 98,395 SH   SOLE   0 0 98,395
ISHARES TR CORE S&P500 ETF 464287200   543,610 1,220 SH   SOLE   0 0 1,220
ISHARES TR RUS 1000 ETF 464287622   315,643 1,295 SH   SOLE   0 0 1,295
ISHARES TR CORE S&P TTL STK 464287150   690,750 7,060 SH   SOLE   0 0 7,060
ISHARES TR RUSSELL 2000 ETF 464287655   323,041 1,725 SH   SOLE   0 0 1,725
ISHARES TR U.S. UTILITS ETF 464287697   343,677 4,204 SH   SOLE   0 0 4,204
ISHARES TR 0-5YR HI YL CP 46434V407   1,708,993 41,230 SH   SOLE   0 0 41,230
JOHNSON & JOHNSON COM 478160104   238,428 1,440 SH   SOLE   0 0 1,440
MICROSOFT CORP COM 594918104   4,782,438 14,044 SH   SOLE   0 0 14,044
PEPSICO INC COM 713448108   241,816 1,306 SH   SOLE   0 0 1,306
PIMCO ETF TR INV GRD CRP BD 72201R817   850,330 8,965 SH   SOLE   0 0 8,965
PRUDENTIAL FINL INC COM 744320102   285,127 3,232 SH   SOLE   0 0 3,232
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   3,323,479 46,790 SH   SOLE   0 0 46,790
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   833,412 23,378 SH   SOLE   0 0 23,378
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   422,278 9,641 SH   SOLE   0 0 9,641
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   17,562,432 339,699 SH   SOLE   0 0 339,699
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   1,274,191 17,546 SH   SOLE   0 0 17,546
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   4,787,456 91,416 SH   SOLE   0 0 91,416
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   655,232 26,603 SH   SOLE   0 0 26,603
SCHWAB STRATEGIC TR US REIT ETF 808524847   1,918,124 98,214 SH   SOLE   0 0 98,214
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   3,566,079 47,579 SH   SOLE   0 0 47,579
SELECT SECTOR SPDR TR RL EST SEL SEC 81369Y860   202,320 5,368 SH   SOLE   0 0 5,368
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704   897,461 8,362 SH   SOLE   0 0 8,362
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407   1,032,086 6,078 SH   SOLE   0 0 6,078
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   1,157,376 6,657 SH   SOLE   0 0 6,657
SPDR GOLD TR GOLD SHS 78463V107   353,331 1,982 SH   SOLE   0 0 1,982
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   290,875 8,939 SH   SOLE   0 0 8,939
SPDR S&P 500 ETF TR TR UNIT 78462F103   3,948,528 8,908 SH   SOLE   0 0 8,908
SPDR SER TR BLOOMBERG HIGH Y 78468R622   273,145 2,968 SH   SOLE   0 0 2,968
SPDR SER TR PRTFLO S&P500 GW 78464A409   242,942 3,982 SH   SOLE   0 0 3,982
SPDR SER TR S&P HOMEBUILD 78464A888   366,810 4,568 SH   SOLE   0 0 4,568
SPDR SER TR NYSE TECH ETF 78464A102   211,131 1,513 SH   SOLE   0 0 1,513
SPDR SER TR BBG CONV SEC ETF 78464A359   204,114 2,918 SH   SOLE   0 0 2,918
SPDR SER TR PORTFLI HIGH YLD 78468R606   248,435 10,877 SH   SOLE   0 0 10,877
SPROTT PHYSICAL GOLD & SILVE TR UNIT 85208R101   556,061 30,858 SH   SOLE   0 0 30,858
VANECK ETF TRUST IG FLOATING RATE 92189F486   2,139,064 84,715 SH   SOLE   0 0 84,715
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   607,738 8,042 SH   SOLE   0 0 8,042
VANGUARD INDEX FDS VALUE ETF 922908744   8,148,871 57,346 SH   SOLE   0 0 57,346
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   446,598 5,345 SH   SOLE   0 0 5,345
VANGUARD INDEX FDS SMALL CP ETF 922908751   1,127,309 5,668 SH   SOLE   0 0 5,668
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   11,241,669 27,602 SH   SOLE   0 0 27,602
VANGUARD INDEX FDS GROWTH ETF 922908736   626,227 2,213 SH   SOLE   0 0 2,213
VANGUARD INDEX FDS TOTAL STK MKT 922908769   2,646,003 12,012 SH   SOLE   0 0 12,012
VANGUARD INDEX FDS MID CAP ETF 922908629   556,344 2,527 SH   SOLE   0 0 2,527
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   215,808 4,551 SH   SOLE   0 0 4,551
VANGUARD SCOTTSDALE FDS VNG RUS1000IDX 92206C730   557,640 2,767 SH   SOLE   0 0 2,767
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   1,924,431 25,435 SH   SOLE   0 0 25,435
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   1,730,042 10,651 SH   SOLE   0 0 10,651
VANGUARD STAR FDS VG TL INTL STK F 921909768   1,431,778 25,531 SH   SOLE   0 0 25,531
VANGUARD WORLD FDS INDUSTRIAL ETF 92204A603   1,553,960 7,561 SH   SOLE   0 0 7,561
VANGUARD WORLD FDS UTILITIES ETF 92204A876   1,364,007 9,594 SH   SOLE   0 0 9,594
VANGUARD WORLD FDS CONSUM DIS ETF 92204A108   2,088,822 7,376 SH   SOLE   0 0 7,376
VANGUARD WORLD FDS CONSUM STP ETF 92204A207   4,250,316 21,858 SH   SOLE   0 0 21,858
VANGUARD WORLD FDS INF TECH ETF 92204A702   11,571,972 26,171 SH   SOLE   0 0 26,171
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504   2,821,833 11,526 SH   SOLE   0 0 11,526
WELLTOWER INC COM 95040Q104   606,918 7,503 SH   SOLE   0 0 7,503