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
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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
ALPS ETF TR OSHARES US SMLCP 00162Q395   11,293,273 336,410 SH   SOLE 0 0 0 336,410
APPLE INC COM 037833100   1,777,941 13,684 SH   SOLE 0 0 0 13,684
AUTOMATIC DATA PROCESSING IN COM 053015103   278,511 1,166 SH   SOLE 0 0 0 1,166
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   339,481 1,099 SH   SOLE 0 0 0 1,099
BRISTOL-MYERS SQUIBB CO COM 110122108   362,844 5,043 SH   SOLE 0 0 0 5,043
BROADRIDGE FINL SOLUTIONS IN COM 11133T103   233,386 1,740 SH   SOLE 0 0 0 1,740
CHEVRON CORP NEW COM 166764100   297,774 1,659 SH   SOLE 0 0 0 1,659
COSTCO WHSL CORP NEW COM 22160K105   211,816 464 SH   SOLE 0 0 0 464
CVS HEALTH CORP COM 126650100   249,656 2,679 SH   SOLE 0 0 0 2,679
D R HORTON INC COM 23331A109   291,934 3,275 SH   SOLE 0 0 0 3,275
DEERE & CO COM 244199105   313,106 730 SH   SOLE 0 0 0 730
DOUBLELINE ETF TRUST OPPORTUNISTIC BD 25861R105   215,372 4,735 SH   SOLE 0 0 0 4,735
EMERSON ELEC CO COM 291011104   227,182 2,365 SH   SOLE 0 0 0 2,365
ETF MANAGERS TR ETHO CLIMATE LEA 26924G888   1,515,901 30,699 SH   SOLE 0 0 0 30,699
EXXON MOBIL CORP COM 30231G102   1,496,881 13,571 SH   SOLE 0 0 0 13,571
GENERAL ELECTRIC CO COM NEW 369604301   704,255 8,405 SH   SOLE 0 0 0 8,405
GENERAL MLS INC COM 370334104   200,569 2,392 SH   SOLE 0 0 0 2,392
GOLDMAN SACHS ETF TR ACTIVEBETA INT 381430107   966,001 33,565 SH   SOLE 0 0 0 33,565
GOLDMAN SACHS ETF TR ACTIVEBETA US LG 381430503   1,099,850 14,447 SH   SOLE 0 0 0 14,447
HARTFORD FDS EXCHANGE TRADED MUN OPORTUNITE 41653L503   718,823 19,138 SH   SOLE 0 0 0 19,138
HOME DEPOT INC COM 437076102   429,254 1,359 SH   SOLE 0 0 0 1,359
HUNTINGTON BANCSHARES INC COM 446150104   198,528 14,080 SH   SOLE 0 0 0 14,080
INDEXIQ ETF TR HEDGE MLTI ETF 45409B107   212,739 7,475 SH   SOLE 0 0 0 7,475
INVESCO EXCHANGE TRADED FD T S&P500 QUALITY 46137V241   1,342,798 30,518 SH   SOLE 0 0 0 30,518
ISHARES INC MSCI GBL GOLD MN 46434G855   232,151 10,396 SH   SOLE 0 0 0 10,396
ISHARES TR EAFE SML CP ETF 464288273   703,628 12,458 SH   SOLE 0 0 0 12,458
ISHARES TR MSCI USA MIN VOL 46429B697   6,473,374 89,783 SH   SOLE 0 0 0 89,783
ISHARES TR MSCI USA QLT FCT 46432F339   11,632,939 102,079 SH   SOLE 0 0 0 102,079
ISHARES TR FLTG RATE NT ETF 46429B655   667,124 13,255 SH   SOLE 0 0 0 13,255
ISHARES TR PFD AND INCM SEC 464288687   439,731 14,403 SH   SOLE 0 0 0 14,403
ISHARES TR MSCI LW CRB TG 46434V464   1,910,634 13,831 SH   SOLE 0 0 0 13,831
ISHARES TR CORE S&P SCP ETF 464287804   7,074,827 74,755 SH   SOLE 0 0 0 74,755
ISHARES TR MSCI USA VALUE 46432F388   18,572,797 203,783 SH   SOLE 0 0 0 203,783
ISHARES TR ESG AWR US AGRGT 46435U549   955,311 20,439 SH   SOLE 0 0 0 20,439
ISHARES TR US TREAS BD ETF 46429B267   1,118,846 49,245 SH   SOLE 0 0 0 49,245
ISHARES TR 3 7 YR TREAS BD 464288661   543,889 4,734 SH   SOLE 0 0 0 4,734
ISHARES TR IBONDS 23 TRM TS 46436E882   200,910 8,134 SH   SOLE 0 0 0 8,134
ISHARES TR RUS 1000 GRW ETF 464287614   375,348 1,752 SH   SOLE 0 0 0 1,752
ISHARES TR CORE S&P500 ETF 464287200   220,444 574 SH   SOLE 0 0 0 574
ISHARES TR MSCI USA MMENTM 46432F396   13,969,971 95,731 SH   SOLE 0 0 0 95,731
J P MORGAN EXCHANGE TRADED F DIV RTN INT EQ 46641Q209   9,153,557 185,746 SH   SOLE 0 0 0 185,746
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   23,586,024 470,497 SH   SOLE 0 0 0 470,497
JOHNSON & JOHNSON COM 478160104   1,302,175 7,372 SH   SOLE 0 0 0 7,372
JPMORGAN CHASE & CO COM 46625H100   434,082 3,237 SH   SOLE 0 0 0 3,237
LOCKHEED MARTIN CORP COM 539830109   232,299 478 SH   SOLE 0 0 0 478
LOWES COS INC COM 548661107   239,088 1,200 SH   SOLE 0 0 0 1,200
MERCK & CO INC COM 58933Y105   413,954 3,731 SH   SOLE 0 0 0 3,731
NUSHARES ETF TR NUVEEN ESG SMLCP 67092P607   2,482,969 72,644 SH   SOLE 0 0 0 72,644
ORACLE CORP COM 68389X105   209,459 2,563 SH   SOLE 0 0 0 2,563
PFIZER INC COM 717081103   457,215 8,923 SH   SOLE 0 0 0 8,923
PROGRESSIVE CORP COM 743315103   311,953 2,405 SH   SOLE 0 0 0 2,405
RAYTHEON TECHNOLOGIES CORP COM 75513E101   1,058,292 10,486 SH   SOLE 0 0 0 10,486
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   706,342 15,473 SH   SOLE 0 0 0 15,473
SPDR GOLD TR GOLD SHS 78463V107   6,239,269 36,779 SH   SOLE 0 0 0 36,779
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   1,380,694 41,890 SH   SOLE 0 0 0 41,890
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   217,360 7,321 SH   SOLE 0 0 0 7,321
SPDR INDEX SHS FDS S&P INTL SMLCP 78463X871   250,867 8,530 SH   SOLE 0 0 0 8,530
SPDR S&P 500 ETF TR TR UNIT 78462F103   346,099 905 SH   SOLE 0 0 0 905
SPDR SER TR ICE PFD SEC ETF 78464A292   1,508,046 45,949 SH   SOLE 0 0 0 45,949
SPDR SER TR S&P KENSHO CLEAN 78468R655   4,261,614 51,967 SH   SOLE 0 0 0 51,967
SPDR SER TR SPDR S&P 500 ETF 78468R796   2,631,987 28,195 SH   SOLE 0 0 0 28,195
SSGA ACTIVE ETF TR BLACKSTONE SENR 78467V608   267,241 6,534 SH   SOLE 0 0 0 6,534
STARBUCKS CORP COM 855244109   279,546 2,818 SH   SOLE 0 0 0 2,818
VACASA INC CLASS A COM 91854V107   19,378 15,379 SH   SOLE 0 0 0 15,379
VANECK ETF TRUST GOLD MINERS ETF 92189F106   4,650,264 162,256 SH   SOLE 0 0 0 162,256
VANGUARD INDEX FDS VALUE ETF 922908744   1,846,802 13,157 SH   SOLE 0 0 0 13,157
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   6,759,344 173,405 SH   SOLE 0 0 0 173,405
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706   10,881,558 186,073 SH   SOLE 0 0 0 186,073
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   5,136,727 122,390 SH   SOLE 0 0 0 122,390
VERIZON COMMUNICATIONS INC COM 92343V104   399,964 10,151 SH   SOLE 0 0 0 10,151