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
Estimated average burden
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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
APPLE INC COM 037833100 5 44,370 SH   SOLE   0 0 44,370
BOULDER GROWTH & INCOME FD I COM 101507101 0 10,909 SH   SOLE   0 0 10,909
EXXON MOBIL CORP COM 30231G102 1 15,238 SH   SOLE   0 0 15,238
FIDELITY MERRIMACK STR TR CORP BOND ETF 316188101 1 26,610 SH   SOLE   0 0 26,610
FIRST TR MORNINGSTAR DIVID L SHS 336917109 2 63,505 SH   SOLE   0 0 63,505
GENERAL ELECTRIC CO COM 369604103 0 10,689 SH   SOLE   0 0 10,689
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354 1 12,776 SH   SOLE   0 0 12,776
INVESCO EXCHANGE TRADED FD T ZACKS MULT AST 46137Y500 1 87,967 SH   SOLE   0 0 87,967
INVESCO EXCHANGE TRADED FD T INTL DIVI ACHI 46137V548 2 120,431 SH   SOLE   0 0 120,431
INVESCO QQQ TR UNIT SER 1 46090E103 4 12,688 SH   SOLE   0 0 12,688
ISHARES INC ESG AWR MSCI EM 46434G863 5 132,374 SH   SOLE   0 0 132,374
ISHARES INC MSCI GBL MIN VOL 464286525 11 116,408 SH   SOLE   0 0 116,408
ISHARES TR U.S. FIN SVC ETF 464287770 2 13,888 SH   SOLE   0 0 13,888
ISHARES TR MSCI USA VALUE 46432F388 3 44,792 SH   SOLE   0 0 44,792
ISHARES TR CORE S&P SCP ETF 464287804 11 151,201 SH   SOLE   0 0 151,201
ISHARES TR EAFE GRWTH ETF 464288885 7 81,547 SH   SOLE   0 0 81,547
ISHARES TR CORE US AGGBD ET 464287226 9 80,227 SH   SOLE   0 0 80,227
ISHARES TR US TREAS BD ETF 46429B267 8 280,963 SH   SOLE   0 0 280,963
ISHARES TR IBOXX HI YD ETF 464288513 15 182,075 SH   SOLE   0 0 182,075
ISHARES TR ESG AWR MSCI USA 46435G425 10 128,990 SH   SOLE   0 0 128,990
ISHARES TR 0-5YR HI YL CP 46434V407 3 69,058 SH   SOLE   0 0 69,058
ISHARES TR CORE S&P500 ETF 464287200 15 45,730 SH   SOLE   0 0 45,730
ISHARES TR IBOXX INV CP ETF 464287242 23 173,432 SH   SOLE   0 0 173,432
ISHARES TR NATIONAL MUN ETF 464288414 1 10,721 SH   SOLE   0 0 10,721
ISHARES TR CORE S&P MCP ETF 464287507 10 56,524 SH   SOLE   0 0 56,524
ISHARES TR SELECT DIVID ETF 464287168 8 101,102 SH   SOLE   0 0 101,102
ISHARES TR MSCI USA MIN VOL 46429B697 16 252,269 SH   SOLE   0 0 252,269
ISHARES TR MSCI EAFE MIN VL 46429B689 11 159,064 SH   SOLE   0 0 159,064
ISHARES TR ISHS 1-5YR INVS 464288646 5 82,764 SH   SOLE   0 0 82,764
ISHARES TR PFD AND INCM SEC 464288687 11 306,918 SH   SOLE   0 0 306,918
ISHARES TR GLOBAL TECH ETF 464287291 10 36,716 SH   SOLE   0 0 36,716
ISHARES TR CORE MSCI EAFE 46432F842 12 195,444 SH   SOLE   0 0 195,444
ISHARES TR U.S. MED DVC ETF 464288810 9 31,435 SH   SOLE   0 0 31,435
ISHARES TR TIPS BD ETF 464287176 7 55,996 SH   SOLE   0 0 55,996
ISHARES TR FLTG RATE NT ETF 46429B655 1 23,757 SH   SOLE   0 0 23,757
ISHARES TR 1 3 YR TREAS BD 464287457 10 114,845 SH   SOLE   0 0 114,845
ISHARES TR U.S. REAL ES ETF 464287739 5 61,747 SH   SOLE   0 0 61,747
ISHARES TR MBS ETF 464288588 9 82,489 SH   SOLE   0 0 82,489
NUVEEN MUN VALUE FD INC COM 670928100 0 11,000 SH   SOLE   0 0 11,000
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886 1 10,245 SH   SOLE   0 0 10,245
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100 1 10,461 SH   SOLE   0 0 10,461
SPDR S&P 500 ETF TR TR UNIT 78462F103 19 57,872 SH   SOLE   0 0 57,872
SPDR SER TR S&P HOMEBUILD 78464A888 1 15,377 SH   SOLE   0 0 15,377
SPDR SER TR S&P DIVID ETF 78464A763 2 16,451 SH   SOLE   0 0 16,451