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
AGCO CORP COM 001084102   218,730 1,778 SH   SOLE 0 0 0 1,778
ALPS ETF TR OSHARES US SMLCP 00162Q395   14,050,420 330,054 SH   SOLE 0 0 0 330,054
APPLE INC COM 037833100   2,339,474 13,643 SH   SOLE 0 0 0 13,643
AUTOMATIC DATA PROCESSING IN COM 053015103   291,197 1,166 SH   SOLE 0 0 0 1,166
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   398,232 947 SH   SOLE 0 0 0 947
BOOKING HOLDINGS INC COM 09857L108   224,929 62 SH   SOLE 0 0 0 62
BRISTOL-MYERS SQUIBB CO COM 110122108   477,658 8,808 SH   SOLE 0 0 0 8,808
BROADRIDGE FINL SOLUTIONS IN COM 11133T103   330,849 1,615 SH   SOLE 0 0 0 1,615
CHEVRON CORP NEW COM 166764100   233,928 1,483 SH   SOLE 0 0 0 1,483
COSTCO WHSL CORP NEW COM 22160K105   316,496 432 SH   SOLE 0 0 0 432
DEERE & CO COM 244199105   242,854 591 SH   SOLE 0 0 0 591
DELTA AIR LINES INC DEL COM NEW 247361702   213,357 4,457 SH   SOLE 0 0 0 4,457
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203   17,373,389 574,897 SH   SOLE 0 0 0 574,897
DOUBLELINE ETF TRUST OPPORTUNISTIC BD 25861R105   273,158 5,954 SH   SOLE 0 0 0 5,954
ELI LILLY & CO COM 532457108   206,159 265 SH   SOLE 0 0 0 265
EMERSON ELEC CO COM 291011104   376,554 3,320 SH   SOLE 0 0 0 3,320
EXXON MOBIL CORP COM 30231G102   1,527,394 13,140 SH   SOLE 0 0 0 13,140
FIDELITY COVINGTON TRUST MOMENTUM FACTR 316092816   217,402 3,602 SH   SOLE 0 0 0 3,602
GENERAL ELECTRIC CO COM NEW 369604301   1,292,340 7,363 SH   SOLE 0 0 0 7,363
GENERAL MLS INC COM 370334104   224,254 3,205 SH   SOLE 0 0 0 3,205
GOLDMAN SACHS ETF TR ACTIVEBETA INT 381430107   3,075,642 89,695 SH   SOLE 0 0 0 89,695
GOLDMAN SACHS ETF TR ACTIVEBETA US LG 381430503   1,576,778 15,192 SH   SOLE 0 0 0 15,192
HARTFORD FDS EXCHANGE TRADED TOTAL RTRN ETF 41653L305   238,571 7,071 SH   SOLE 0 0 0 7,071
HARTFORD FDS EXCHANGE TRADED MUN OPORTUNITE 41653L503   413,976 10,659 SH   SOLE 0 0 0 10,659
HOME DEPOT INC COM 437076102   547,397 1,427 SH   SOLE 0 0 0 1,427
HUNTINGTON BANCSHARES INC COM 446150104   290,090 20,795 SH   SOLE 0 0 0 20,795
INVESCO EXCHANGE TRADED FD T S&P500 QUALITY 46137V241   1,639,089 27,128 SH   SOLE 0 0 0 27,128
INVESCO QQQ TR UNIT SER 1 46090E103   5,853,901 13,184 SH   SOLE 0 0 0 13,184
ISHARES TR CORE S&P SCP ETF 464287804   5,593,294 50,609 SH   SOLE 0 0 0 50,609
ISHARES TR CORE S&P500 ETF 464287200   341,072 649 SH   SOLE 0 0 0 649
ISHARES TR RUS 1000 VAL ETF 464287598   211,171 1,179 SH   SOLE 0 0 0 1,179
ISHARES TR RUS 1000 GRW ETF 464287614   602,308 1,787 SH   SOLE 0 0 0 1,787
ISHARES TR JPMORGAN USD EMG 464288281   5,491,929 61,246 SH   SOLE 0 0 0 61,246
ISHARES TR MSCI ACWI ETF 464288257   7,382,234 67,032 SH   SOLE 0 0 0 67,032
ISHARES TR GRWT ALLOCAT ETF 464289867   220,008 3,952 SH   SOLE 0 0 0 3,952
ISHARES TR MSCI LW CRB TG 46434V464   2,573,247 14,336 SH   SOLE 0 0 0 14,336
ISHARES TR MSCI USA MIN VOL 46429B697   809,995 9,691 SH   SOLE 0 0 0 9,691
ISHARES TR US TREAS BD ETF 46429B267   496,022 21,784 SH   SOLE 0 0 0 21,784
ISHARES TR MSCI USA MMENTM 46432F396   31,813,019 169,805 SH   SOLE 0 0 0 169,805
ISHARES TR MSCI USA VALUE 46432F388   35,433,257 327,147 SH   SOLE 0 0 0 327,147
ISHARES TR MSCI USA QLT FCT 46432F339   16,765,505 102,011 SH   SOLE 0 0 0 102,011
ISHARES TR ESG AWR US AGRGT 46435U549   1,046,658 22,241 SH   SOLE 0 0 0 22,241
J P MORGAN EXCHANGE TRADED F CORE PLUS BD ETF 46641Q670   286,820 6,149 SH   SOLE 0 0 0 6,149
J P MORGAN EXCHANGE TRADED F DIV RTN INT EQ 46641Q209   1,061,990 18,853 SH   SOLE 0 0 0 18,853
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   1,934,472 38,344 SH   SOLE 0 0 0 38,344
JOHNSON & JOHNSON COM 478160104   975,953 6,170 SH   SOLE 0 0 0 6,170
JPMORGAN CHASE & CO COM 46625H100   223,134 1,114 SH   SOLE 0 0 0 1,114
LAM RESEARCH CORP COM 512807108   353,651 364 SH   SOLE 0 0 0 364
LOCKHEED MARTIN CORP COM 539830109   217,200 478 SH   SOLE 0 0 0 478
LOEWS CORP COM 540424108   211,383 2,700 SH   SOLE 0 0 0 2,700
LOWES COS INC COM 548661107   305,676 1,200 SH   SOLE 0 0 0 1,200
MERCK & CO INC COM 58933Y105   492,305 3,731 SH   SOLE 0 0 0 3,731
META PLATFORMS INC CL A 30303M102   329,724 679 SH   SOLE 0 0 0 679
MICROSOFT CORP COM 594918104   206,637 491 SH   SOLE 0 0 0 491
NETFLIX INC COM 64110L106   329,173 542 SH   SOLE 0 0 0 542
NORTHROP GRUMMAN CORP COM 666807102   388,672 812 SH   SOLE 0 0 0 812
NUSHARES ETF TR NUVEEN ESG SMLCP 67092P607   2,509,832 60,347 SH   SOLE 0 0 0 60,347
ORACLE CORP COM 68389X105   321,876 2,563 SH   SOLE 0 0 0 2,563
PARAMOUNT GLOBAL CLASS B COM 92556H206   156,941 13,334 SH   SOLE 0 0 0 13,334
PFIZER INC COM 717081103   290,348 10,463 SH   SOLE 0 0 0 10,463
PROGRESSIVE CORP COM 743315103   402,679 1,947 SH   SOLE 0 0 0 1,947
RTX CORPORATION COM 75513E101   727,325 7,457 SH   SOLE 0 0 0 7,457
SKYWORKS SOLUTIONS INC COM 83088M102   227,255 2,098 SH   SOLE 0 0 0 2,098
SPDR GOLD TR GOLD SHS 78463V107   7,734,259 37,596 SH   SOLE 0 0 0 37,596
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   222,136 6,198 SH   SOLE 0 0 0 6,198
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   1,461,786 40,392 SH   SOLE 0 0 0 40,392
SPDR INDEX SHS FDS MSCI EAFE FS ETF 78470E106   318,392 7,656 SH   SOLE 0 0 0 7,656
SPDR S&P 500 ETF TR TR UNIT 78462F103   473,378 905 SH   SOLE 0 0 0 905
SPDR SER TR SPDR S&P 500 ETF 78468R796   3,499,670 81,768 SH   SOLE 0 0 0 81,768
STARBUCKS CORP COM 855244109   235,055 2,572 SH   SOLE 0 0 0 2,572
STEEL DYNAMICS INC COM 858119100   352,463 2,378 SH   SOLE 0 0 0 2,378
UNITEDHEALTH GROUP INC COM 91324P102   288,905 584 SH   SOLE 0 0 0 584
VANGUARD INDEX FDS VALUE ETF 922908744   1,885,137 11,575 SH   SOLE 0 0 0 11,575
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   9,814,319 234,961 SH   SOLE 0 0 0 234,961
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706   8,103,567 138,404 SH   SOLE 0 0 0 138,404
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   7,551,670 150,522 SH   SOLE 0 0 0 150,522
VANGUARD WORLD FD ESG US STK ETF 921910733   3,235,091 34,715 SH   SOLE 0 0 0 34,715
VERIZON COMMUNICATIONS INC COM 92343V104   529,845 12,627 SH   SOLE 0 0 0 12,627