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 39 1,648 SH   SOLE   0 0 1,648
ARK ETF TR INNOVATION ETF 00214Q104 5 69 SH   SOLE   0 0 69
ADOBE INC COM 00724F101 25 55 SH   SOLE   0 0 55
ADVANCED MICRO DEVICES INC COM 007903107 44 400 SH   SOLE   0 0 400
AIRBNB INC COM CL A 007903107 1 8 SH   SOLE   0 0 8
ALPHABET INC CAP STK CL C 02079K107 684 245 SH   SOLE   0 0 245
ALPHABET INC CAP STK CL A 02079K305 267 96 SH   SOLE   0 0 96
AMAZON COM INC COM 023135106 280 86 SH   SOLE   0 0 86
APPLE INC COM 037833100 2,222 12,722 SH   SOLE   0 0 12,722
APPLIED MATLS INC COM 038222105 73 555 SH   SOLE   0 0 555
BAIDU INC COM 056752108 1 10 SH   SOLE   0 0 10
BANK AMER CORP COM 060505104 733 17,777 SH   SOLE   0 0 17,777
BARCLAYS BK PLC DJUBS CMDT ETN36 06738C778 221 5,989 SH   SOLE   0 0 5,989
BERSHIRE HATHAWAY INC DEL CL B NEW 084670702 161 456 SH   SOLE   0 0 456
BEST BUY INC COM 086516101 82 900 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 243 2,400 SH   SOLE   0 0 2,400
CADENCE DESIGN SYSTEM INC COM 127387108 41 250 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 4 105 SH   SOLE   0 0 105
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 7 51 SH   SOLE   0 0 51
DOLLAR TREE INC COM 256746108 833 5,200 SH   SOLE   0 0 5,200
DRAFTKINGS INC COM CL A 2614R2104 2 106 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 14 555 SH   SOLE   0 0 555
EXXON MOBIL CORP COM 30231G102 40 482 SH   SOLE   0 0 482
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309 425 8,538 SH   SOLE   0 0 8,538
FIDELITY NATL INFORMATION SV COM 31620M106 88 876 SH   SOLE   0 0 876
FIDELITY NATIONAL FINANCIAL FNF GROUP COM 31620R303 0 3 SH   SOLE   0 0 3
FIRST TR EXCHANGE TRADED FD INTL EQUITY OPP 33734X853 131 2,677 SH   SOLE   0 0 2,677
FIRST TR EXCHNG TRADED FD VI TCW OPPORTUNIS 33740F805 68 1,371 SH   SOLE   0 0 1,371
FORD MTR CO DEL COM 345370860 9 502 SH   SOLE   0 0 502
FORTUNE BRANDS HOME & SEC IN COM 34964C106 15 200 SH   SOLE   0 0 50
GENERAC HLDGS INC COM 368736104 15 50 SH   SOLE   0 0 50
GENERAL ELECTRIC CO COM 369604301 27 300 SH   SOLE   0 0 300
GRAPHIC PACKAGING HLDG CO COM 388689101 283 14,144 SH   SOLE   0 0 14,114
GROWGENERATION CORP COM 39986L109 1 100 SH   SOLE   0 0 100
HP INC COM 40434L105 8 212 SH   SOLE   0 0 212
HEWLETT PACKARD ENTERPRISE C COM 42824C109 3 199 SH   SOLE   0 0 199
HOME DEPOT INC COM 437076102 183 611 SH   SOLE   0 0 611
IDEXX LABS INC COM 45168D104 14 25 SH   SOLE   0 0 25
INTEL CORP COM 458140100 17 344 SH   SOLE   0 0 344
INVESCO EXCHANGE TRADED FD T S&P500 QUALITY 46137V241 250 4,999 SH   SOLE   0 0 4,999
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 35 219 SH   SOLE   0 0 219
INVESCO EXCHNG TRADED FD TR S&P500 LOW VOL 46138E354 97 1,440 SH   SOLE   0 0 1,440
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 323 8,781 SH   SOLE   0 0 8,781
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 246 4,034 SH   SOLE   0 0 4,034
ISHARES TR TIPS BD ETF 464287176 1,625 13,047 SH   SOLE   0 0 13,047
ISHARES TR CORE S&P500 ETF 464287200 5,298 11,678 SH   SOLE   0 0 11,678
ISHARES TR CORE US AGGBD ET 464287226 496 4,634 SH   SOLE   0 0 4,634
ISHARES TR IBOXX INV CP ETF 464287242 25 204 SH   SOLE   0 0 204
ISHARES TR S&P 500 GRWT ETF 464287309 1,113 14,565 SH   SOLE   0 0 14,565
ISHARES TR GLOBAL ENERG ETF 464287341 43 1,179 SH   SOLE   0 0 1,179
ISHARES TR S&P 500 VAL ETF 464287408 1,292 8,299 SH   SOLE   0 0 8,299
ISHARES TR 20 YR TR BD ETF 464287432 61 460 SH   SOLE   0 0 460
ISHARES TR RUS MD CAP GR ETF 464287499 14 173 SH   SOLE   0 0 173
ISHARES TR CORE S&P MCP ETF 464287507 4,566 17,014 SH   SOLE   0 0 17,014
ISHARES TR NASDAQ BIOTECH 464287556 25 165 SH   SOLE   0 0 165
ISHARES TR RUS 2000 VAL ETF 464287630 355 2,200 SH   SOLE   0 0 2,200
ISHARES TR RUS 2000 GRW ETF 464287648 385 1,505 SH   SOLE   0 0 1,505
ISHARES TR RUSSELL 2000 ETF 464287655 96 465 SH   SOLE   0 0 465
ISHARES TR U.S REAL ES ETF 464287739 233 2,156 SH   SOLE   0 0 2,156
ISHARES TR CORE S&P SCP ETF 464287804 1,828 16,947 SH   SOLE   0 0 16,947
ISHARES TR CORE SMC600VL ETF 464287879 338 3,302 SH   SOLE   0 0 3,302
ISHARES TR SP SMCP600GR ETF 464287887 337 2,694 SH   SOLE   0 0 2,694
ISHARES TR INTL TREA BD ETF 464288117 79 1,699 SH   SOLE   0 0 1,699
ISHARES TR MSCI ACWI EX US 464288240 5 86 SH   SOLE   0 0 86
ISHARES TR MSCI ACWI ETF 464288257 3 34 SH   SOLE   0 0 34
ISHARES TR EAFE SML CP ETF 464288273 145 2,181 SH   SOLE   0 0 2,181
ISHARES TR JP MOR EM MK ETF 464288281 255 2,603 SH   SOLE   0 0 2,603
ISHARES TR IBOXX HI YD ETF 464288513 691 8,395 SH   SOLE   0 0 8,395
ISHARES SILVER TR ISHARES 46428Q109 47 2,063 SH   SOLE   0 0 2,063
ISHARES TR CORE HIGH DV ETF 46429B663 63 591 SH   SOLE   0 0 591
ISHARES TR MIN VOL EAFE ETF 46429B689 16 217 SH   SOLE   0 0 217
ISHARES TR MSCI USA MIN VOL 46429B697 31 405 SH   SOLE   0 0 405
ISHARES TR 0-5 YR TIPS ETF 46429B747 1,801 17,159 SH   SOLE   0 0 17,159
ISHARES US ETF TR SHT MAT BD ETF 46431W507 67 1,344 SH   SOLE   0 0 1,344
ISHARES TR USA QUALITY FCTR 46432F339 272 2,020 SH   SOLE   0 0 2,020
ISHARES TR USA MOMENTUM FCT 46432F396 15 87 SH   SOLE   0 0 87
ISHARES TR CORE MSCI TOTAL 46432F834 219 3,283 SH   SOLE   0 0 3,283
ISHARES TR CORES MSCI EAFE 46432F842 3,093 44,490 SH   SOLE   0 0 44,490
ISHARES TR CORE ST USDB ETF 46432F859 152 3,133 SH   SOLE   0 0 3,133
ISHARES INC CORE MSCI EMKT 46434G103 1,806 32,516 SH   SOLE   0 0 32,516
ISHARES TR MULTIFACTOR USA 46434V282 188 4,234 SH   SOLE   0 0 4,234
ISHARES TR CORE DIV GRWTH 46434V621 76 1,423 SH   SOLE   0 0 1,423
JPMORGAN CHASE & CO COM 46625H100 16 116 SH   SOLE   0 0 116
JOHNSON & JOHNSON COM 478160104 380 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 6 300 SH   SOLE   0 0 300
LILLY ELI & CO COM 532457108 752 2,627 SH   SOLE   0 0 2,627
LOWES COS INC COM 548661107 202 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 512 1,660 SH   SOLE   0 0 1,660
MONEYGRAM INTL INC COM NEW 60935Y208 0 18 SH   SOLE   0 0 18
NETFLIX INC COM 64110L106 27 73 SH   SOLE   0 0 73
NIKOLA CORP COM 654110105 2 205 SH   SOLE   0 0 205
NVIDIA CORP COM 67066G104 231 848 SH   SOLE   0 0 848
PAYCHEX INC COM 704326107 27 197 SH   SOLE   0 0 197
PAYCOM SOFTWARE INC COM 70432V102 34 98 SH   SOLE   0 0 98
PFIZER INC COM 717081103 104 2,000 SH   SOLE   0 0 2,000
PIMCO ETF TR ENHNCD LW DUR AC 72201R718 209 2,138 SH   SOLE   0 0 2,138
PIMCO EFT TR 0-5 HIGH YIELD 72201R783 118 2,138 SH   SOLE   0 0 2,138
PROCTOR AND GAMBLE CO COM 742718109 172 1,128 SH   SOLE   0 0 1,128
PROSHARES TR ULTRAPRO QQQ 74347X831 1 20 SH   SOLE   0 0 20
RYDER SYS INC COM 783549108 169 2,136 SH   SOLE   0 0 2,136
SSGA ACTIVE ETF TR BLACKSTONE SENR 78467V608 62 1,368 SH   SOLE   0 0 1,368
SCWAB STRATEGIC TR US LRG CAP ETF 808524201 2,218 41,197 SH   SOLE   0 0 41,197
SCWAB STRATEGIC TR US LCAP GR ETF 808524300 487 6,515 SH   SOLE   0 0 6,515
SCWAB STRATEGIC TR US LCAP GR ETF 808524409 466 6,531 SH   SOLE   0 0 6,531
SCWAB STRATEGIC TR US MID-CAP ETF 808524508 961 12,669 SH   SOLE   0 0 12,669
SCWAB STRATEGIC TR US SML CAP ETF 808524607 583 12,312 SH   SOLE   0 0 12,312
SCWAB STRATEGIC TR EMRD MKTEQ ETF 808524706 132 4,740 SH   SOLE   0 0 4,740
SCWAB STRATEGIC TR US DIVIDEND EQ 808524797 134 1,697 SH   SOLE   0 0 1,697
SCWAB STRATEGIC TR INTL EQTY ETF 808524805 535 14,564 SH   SOLE   0 0 14,564
SCWAB STRATEGIC TR US AGGREGATE B 808524839 38 750 SH   SOLE   0 0 750
SCWAB STRATEGIC TR US REIT ETF 808524847 183 7,348 SH   SOLE   0 0 7,348
SCWAB STRATEGIC TR US TIPS ETF 808524870 206 3,388 SH   SOLE   0 0 3,388
SCWAB STRATEGIC TR INTL SCEQT ETF 808524888 67 1,755 SH   SOLE   0 0 1,755
SNAP INC CL A 83304A106 1 23 SH   SOLE   0 0 23
SOUTHERN CO COM 842587107 152 2,090 SH   SOLE   0 0 2,090
STARBUCKS CORP COM 855244109 2 25 SH   SOLE   0 0 25
SYNOPSYS INC COM 871607107 42 125 SH   SOLE   0 0 125
TESLA INC COM 88160R101 44 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 161 2,837 SH   SOLE   0 0 2,837
UBER TECHNOLOGIES INC COM 90353T100 2 68 SH   SOLE   0 0 68
VANECK VECTORS ETF TR FALLEN ANGEL HG 92189F437 2,177 71,622 SH   SOLE   0 0 71,622
VANGUARD BD INDEX FD INC SHORT TRM BOND 921937827 326 4,182 SH   SOLE   0 0 4,182
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 5 42 SH   SOLE   0 0 42
VANGUARD WORLD FDS UTILITIES ETF 92204A876 27 164 SH   SOLE   0 0 164
VANGUARD SCOTTSDALE FDS SHRT TMR CORP BD 92206C409 0 6 SH   SOLE   0 0 6
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 3,295 30,407 SH   SOLE   0 0 30,407
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 25 113 SH   SOLE   0 0 113
WABTEC COM 929740108 1 12 SH   SOLE   0 0 12
WALGREENS BOOT ALLIANCE INC COM 931427108 36 800 SH   SOLE   0 0 800
WELLS FARGO CO NEW COM 949746101 132 2,734 SH   SOLE   0 0 2,734
INVESCO LTD SHS G491BT108 23 1,000 SH   SOLE   0 0 1,200
MEDTRONIC PLC SHS G5960L103 67 600 SH   SOLE   0 0 600
CNH INDL N V SHS N20944109 3 167 SH   SOLE   0 0 167