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
AT&T COM 00206R102 41 1,648 SH   SOLE   0 0 1,648
ARK ETF TR INNOVATION ETF 00214Q104 7 69 SH   SOLE   0 0 69
ADOBE INC COM 00724F101 31 55 SH   SOLE   0 0 55
ADVANCED MICRO DEVICES INC COM 007903107 58 400 SH   SOLE   0 0 400
AIRBNB INC COM CL A 007903107 1 5 SH   SOLE   0 0 5
ALIBABA GROUP HLDG LTD SPONSORED ADS 01609W102 9 75 SH   SOLE   0 0 75
ALPHABET INC CAP STK CL C 02079K107 709 245 SH   SOLE   0 0 245
ALPHABET INC CAP STK CL A 02079K305 275 95 SH   SOLE   0 0 95
AMAZON COM INC COM 023135106 287 86 SH   SOLE   0 0 86
APPLE INC COM 037833100 2,258 12,718 SH   SOLE   0 0 12,718
APPLIED MATLS INC COM 038222105 87 555 SH   SOLE   0 0 555
BAIDU INC COM 056752108 16 110 SH   SOLE   0 0 110
BANK AMER CORP COM 060505104 791 17,777 SH   SOLE   0 0 17,777
BARCLAYS BK PLC DJUBS CMDT ETN36 06738C778 191 6,537 SH   SOLE   0 0 6,537
BERSHIRE HATHAWAY INC DEL CL B NEW 084670702 136 456 SH   SOLE   0 0 456
BEST BUY INC COM 086516101 91 900 SH   SOLE   0 0 900
BLINK CHARGING CO COM 09354A100 0 10 SH   SOLE   0 0 10
BOEING CO COM 097023105 1 3 SH   SOLE   0 0 3
CVS HEALTH GROUP COM 126650100 248 2,400 SH   SOLE   0 0 2,400
CADENCE DESIGN SYSTEM INC COM 127387108 47 250 SH   SOLE   0 0 250
CANNAE HLDGS INC COM 13765N107 0 1 SH   SOLE   0 0 1
COINBASE GLOBAL INC COM CL A 19260Q107 0 1 SH   SOLE   0 0 1
CONAGRA BANDS INC COM 205887102 4 104 SH   SOLE   0 0 104
CORTEVA INC COM 22052L104 0 0 SH   SOLE   0 0 0
DXC TECHNOLOGY CO COM 23355L106 0 14 SH   SOLE   0 0 14
DELTA AIR LINES INC DEL COM NEW 247361702 0 10 SH   SOLE   0 0 10
DISNEY WALT CO COM DISNEY 254687106 8 51 SH   SOLE   0 0 51
DOLLAR TREE INC COM 256746108 731 5,200 SH   SOLE   0 0 5,200
DRAFTKINGS INC COM CL A 2614R2104 3 106 SH   SOLE   0 0 106
DUPONT DE NEMOURS INC COM 26614N102 0 0 SH   SOLE   0 0 0
ESSENTIAL PPTYS RLTY TR INC COM 29670E107 16 550 SH   SOLE   0 0 550
EXXON MOBIL CORP COM 30231G102 29 472 SH   SOLE   0 0 472
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309 449 8,474 SH   SOLE   0 0 8,474
FIDELITY NATL INFORMATION SV COM 31620M106 96 876 SH   SOLE   0 0 876
FIDELITY NATIONAL FINANCIAL FNF GROUP COM 31620R303 0 3 SH   SOLE   0 0 3
FIRST TR EXCHANGE TRADED FD FINLS ALPHADEX 33734X135 43 935 SH   SOLE   0 0 935
FIRST TR EXCHANGE TRADED FD INTL EQUITY OPP 33734X853 150 2,607 SH   SOLE   0 0 2,607
FIRST TR EXCHNG TRADED FD VI TCW OPPORTUNIS 33740F805 109 2,054 SH   SOLE   0 0 2,054
FLEXSHARES TR STOXX GLOBR INF 33939L795 22 379 SH   SOLE   0 0 379
FORD MTR CO DEL COM 345370860 10 500 SH   SOLE   0 0 500
FORTUNE BRANDS HOME & SEC IN COM 34964C106 21 200 SH   SOLE   0 0 50
GENERAC HLDGS INC COM 368736104 18 50 SH   SOLE   0 0 50
GENERAL ELECTRIC CO COM 369604301 28 300 SH   SOLE   0 0 300
GLOBAL X FDS US INFR DEV ETF 37954Y673 25 866 SH   SOLE   0 0 866
GRAPHIC PACKAGING HLDG CO COM 388689101 275 14,103 SH   SOLE   0 0 14,103
GROWGENERATION CORP COM 39986L109 1 100 SH   SOLE   0 0 100
HP INC COM 40434L105 8 210 SH   SOLE   0 0 210
HEWLETT PACKARD ENTERPRISE C COM 42824C109 3 197 SH   SOLE   0 0 197
HOME DEPOT INC COM 437076102 254 611 SH   SOLE   0 0 611
IDEXX LABS INC COM 45168D104 16 25 SH   SOLE   0 0 25
INTEL CORP COM 458140100 18 341 SH   SOLE   0 0 341
INVESCO EXCHANGE TRADED FD T S&P500 QUALITY 46137V241 266 4,998 SH   SOLE   0 0 4,998
INVESCO EXCHNG TRADED FD TR S&P500 LOW VOL 46138E354 135 1,962 SH   SOLE   0 0 1,962
INVESCO EXCHNG TRADED FD TR EMRNG MKT SVRG 46138E784 0 4 SH   SOLE   0 0 4
INVESCO EXCHNG TRADED FD TR SOLAR ETF 46138G706 15 197 SH   SOLE   0 0 197
INVESCO EXCHANGE TRADED FD T TREAS COLATERL 46138G888 60 566 SH   SOLE   0 0 566
ISHARES GOLD TR ISHARES NEW 464285204 455 13,083 SH   SOLE   0 0 13,083
ISHARES MSCI FRNTR100ETF 464286145 0 9 SH   SOLE   0 0 9
ISHARES GLB ENR PROD ETF 464286343 0 11 SH   SOLE   0 0 11
ISHARES MIN VOL EMRG MKT 464286533 253 4,031 SH   SOLE   0 0 4,031
ISHARES TR TIPS BD ETF 464287176 2,753 21,306 SH   SOLE   0 0 21,306
ISHARES TR CORE S&P500 ETF 464287200 6,029 12,639 SH   SOLE   0 0 12,639
ISHARES TR CORE US AGGBD ET 464287226 941 8,246 SH   SOLE   0 0 8,246
ISHARES TR IBOXX INV CP ETF 464287242 27 204 SH   SOLE   0 0 204
ISHARES TR S&P 500 GRWT ETF 464287309 1,396 16,687 SH   SOLE   0 0 16,687
ISHARES TR GLOBAL ENERG ETF 464287341 32 1,179 SH   SOLE   0 0 1,179
ISHARES TR S&P 500 VAL ETF 464287408 1,517 9,682 SH   SOLE   0 0 9,682
ISHARES TR 20 YR TR BD ETF 464287432 316 2,130 SH   SOLE   0 0 2,130
ISHARES TR RUS MD CAP GR ETF 464287499 15 176 SH   SOLE   0 0 176
ISHARES TR CORE S&P MCP ETF 464287507 6,130 21,655 SH   SOLE   0 0 21,655
ISHARES TR NASDAQ BIOTECH 464287556 25 165 SH   SOLE   0 0 165
ISHARES TR RUS 2000 VAL ETF 464287630 394 2,371 SH   SOLE   0 0 2,371
ISHARES TR RUS 2000 GRW ETF 464287648 457 1,559 SH   SOLE   0 0 1,559
ISHARES TR RUSSELL 2000 ETF 464287655 198 889 SH   SOLE   0 0 889
ISHARES TR U.S REAL ES ETF 464287739 322 2,769 SH   SOLE   0 0 2,769
ISHARES TR CORE S&P SCP ETF 464287804 4,080 35,633 SH   SOLE   0 0 35,633
ISHARES TR CORE SMC600VL ETF 464287879 364 3,480 SH   SOLE   0 0 3,480
ISHARES TR SP SMCP600GR ETF 464287887 363 2,614 SH   SOLE   0 0 2,614
ISHARES TR INTL TREA BD ETF 464288117 91 1,813 SH   SOLE   0 0 1,813
ISHARES TR MSCI ACWI EX US 464288240 5 86 SH   SOLE   0 0 86
ISHARES TR MSCI ACWI ETF 464288257 4 34 SH   SOLE   0 0 34
ISHARES TR EAFE SML CP ETF 464288273 156 2,136 SH   SOLE   0 0 2,136
ISHARES TR JP MOR EM MK ETF 464288281 409 3,754 SH   SOLE   0 0 3,754
ISHARES TR IBOXX HI YD ETF 464288513 4,440 51,026 SH   SOLE   0 0 51,026
ISHARES SILVER TR ISHARES 46428Q109 52 2,419 SH   SOLE   0 0 2,419
ISHARES TR CORE HIGH DV ETF 46429B663 64 629 SH   SOLE   0 0 629
ISHARES TR MIN VOL EAFE ETF 46429B689 17 217 SH   SOLE   0 0 217
ISHARES TR MSCI USA MIN VOL 46429B697 34 425 SH   SOLE   0 0 425
ISHARES TR 0-5 YR TIPS ETF 46429B747 1,973 18,632 SH   SOLE   0 0 18,632
ISHARES US ETF TR SHT MAT BD ETF 46431W507 56 1,125 SH   SOLE   0 0 1,125
ISHARES TR USA QUALITY FCTR 46432F339 362 2,486 SH   SOLE   0 0 2,486
ISHARES TR USA MOMENTUM FCT 46432F396 16 87 SH   SOLE   0 0 87
ISHARES TR CORE MSCI TOTAL 46432F834 219 3,084 SH   SOLE   0 0 3,084
ISHARES TR CORES MSCI EAFE 46432F842 3,344 44,800 SH   SOLE   0 0 44,800
ISHARES TR CORE ST USDB ETF 46432F859 121 2,401 SH   SOLE   0 0 2,401
ISHARES INC CORE MSCI EMKT 46434G103 4,134 69,062 SH   SOLE   0 0 69,062
ISHARES TR MULTIFACTOR USA 46434V282 197 4,234 SH   SOLE   0 0 4,234
ISHARES TR CORE DIV GRWTH 46434V621 80 1,445 SH   SOLE   0 0 1,445
JPMORGAN CHASE & CO COM 46625H100 8 53 SH   SOLE   0 0 53
JOHNSON & JOHNSON COM 478160104 366 2,141 SH   SOLE   0 0 2,141
KEARNY FINL CORP MD COM 48716P108 0 30 SH   SOLE   0 0 30
LAMB WESTON HLDGS INC COM 513272104 2 31 SH   SOLE   0 0 31
LEVI STRAUSS & CO NEW CL A COM STK 52736R102 8 300 SH   SOLE   0 0 300
LILLY ELI & CO COM 532457108 726 2,627 SH   SOLE   0 0 2,627
LOWES COS INC COM 548661107 258 1,000 SH   SOLE   0 0 1,000
MICRO FOCUS INTERNATIONAL PL SPON ADR NEW 594837403 0 19 SH   SOLE   0 0 19
MICROSOFT CORP COM 594918104 558 1,657 SH   SOLE   0 0 1,657
MONEYGRAM INTL INC COM NEW 60935Y208 0 18 SH   SOLE   0 0 18
NETFLIX INC COM 64110L106 44 73 SH   SOLE   0 0 73
NIKOLA CORP COM 654110105 2 205 SH   SOLE   0 0 205
NVIDIA CORP COM 67066G104 272 924 SH   SOLE   0 0 924
PAYCOM SOFTWARE INC COM 70432V102 41 98 SH   SOLE   0 0 98
PFIZER INC COM 717081103 118 2,000 SH   SOLE   0 0 2,000
PIMCO ETF TR ENHNCD LW DUR AC 72201R718 181 1,800 SH   SOLE   0 0 1,800
PIMCO EFT TR 0-5 HIGH YIELD 72201R783 55 558 SH   SOLE   0 0 558
PROCTOR AND GAMBLE CO COM 742718109 185 1,128 SH   SOLE   0 0 1,128
RYDER SYS INC COM 783549108 176 2,136 SH   SOLE   0 0 2,136
SSGA ACTIVE ETF TR BLACKSTONE SENR 78467V608 26 577 SH   SOLE   0 0 577
SCWAB STRATEGIC TR US LRG CAP ETF 808524201 2,338 20,545 SH   SOLE   0 0 20,545
SCWAB STRATEGIC TR US LCAP GR ETF 808524300 526 3,213 SH   SOLE   0 0 3,213
SCWAB STRATEGIC TR US LCAP GR ETF 808524409 478 6,531 SH   SOLE   0 0 6,531
SCWAB STRATEGIC TR US MID-CAP ETF 808524508 1,013 12,596 SH   SOLE   0 0 12,596
SCWAB STRATEGIC TR US SML CAP ETF 808524607 627 6,119 SH   SOLE   0 0 6,119
SCWAB STRATEGIC TR EMRD MKTEQ ETF 808524706 153 5,174 SH   SOLE   0 0 5,174
SCWAB STRATEGIC TR US DIVIDEND EQ 808524797 113 1,403 SH   SOLE   0 0 1,403
SCWAB STRATEGIC TR INTL EQTY ETF 808524805 555 14,288 SH   SOLE   0 0 14,288
SCWAB STRATEGIC TR US AGGREGATE B 808524839 40 750 SH   SOLE   0 0 750
SCWAB STRATEGIC TR US REIT ETF 808524847 194 3,674 SH   SOLE   0 0 3,674
SCWAB STRATEGIC TR US TIPS ETF 808524870 390 6,207 SH   SOLE   0 0 6,207
SCWAB STRATEGIC TR INTL SCEQT ETF 808524888 72 1,755 SH   SOLE   0 0 1,755
SNAP INC CL A 83304A106 1 23 SH   SOLE   0 0 23
SOUTHERN CO COM 842587107 143 2,090 SH   SOLE   0 0 2,090
STARBUCKS CORP COM 855244109 3 25 SH   SOLE   0 0 25
SYNOPSYS INC COM 871607107 46 125 SH   SOLE   0 0 125
TESLA INC COM 88160R101 43 41 SH   SOLE   0 0 41
TORONTO DOMINION BK ONT COM NEW 891160509 1 10 SH   SOLE   0 0 10
TRUIST FINL CORP COM 89832Q109 166 2,837 SH   SOLE   0 0 2,837
UBER TECHNOLOGIES INC COM 90353T100 3 68 SH   SOLE   0 0 68
VANECK VECTORS ETF TR FALLEN ANGEL HG 92189F437 1,224 37,136 SH   SOLE   0 0 37,136
VANGUARD BD INDEX FD INC SHORT TRM BOND 921937827 251 3,106 SH   SOLE   0 0 3,106
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 5 45 SH   SOLE   0 0 45
VANGUARD WORLD FDS FINANCIALS ETF 92204A405 45 461 SH   SOLE   0 0 461
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 3,531 30,436 SH   SOLE   0 0 30,436
VIAD CORP COM NEW 92552R406 2 42 SH   SOLE   0 0 42
VIATRIS INC COM 92556V106 3 248 SH   SOLE   0 0 248
VISA INC COM CL A 92826C839 24 113 SH   SOLE   0 0 113
WABTEC COM 929740108 1 12 SH   SOLE   0 0 12
WALGREENS BOOT ALLIANCE INC COM 931427108 42 800 SH   SOLE   0 0 800
WELLS FARGO CO NEW COM 949746101 131 2,734 SH   SOLE   0 0 2,734
XILINX INC COM 983919101 30 140 SH   SOLE   0 0 140
INVESCO LTD SHS G491BT108 23 1,000 SH   SOLE   0 0 1,200
MEDTRONIC PLC SHS G5960L103 62 600 SH   SOLE   0 0 600
CNH INDL N V SHS N20944109 3 167 SH   SOLE   0 0 167