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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
SHELL PLC SPON ADS 780259305   243,567 4,233 SH   SOLE   0 0 4,233
AMAZON COM INC COM 023135106   1,913,762 18,528 SH   SOLE   0 0 18,528
CINTAS CORP COM 172908105   421,602 911 SH   SOLE   0 0 911
SCHWAB STRATEGIC TR US TIPS ETF 808524870   14,435,393 269,267 SH   SOLE   0 0 269,267
ISHARES TR RUS TP200 GR ETF 464289438   9,695,891 69,790 SH   SOLE   0 0 69,790
ABBOTT LABS COM 002824100   334,259 3,301 SH   SOLE   0 0 3,301
MICROSOFT CORP COM 594918104   4,476,174 15,526 SH   SOLE   0 0 15,526
ISHARES TR CORE MSCI EAFE 46432F842   10,371,050 155,139 SH   SOLE   0 0 155,139
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   1,627,228 23,983 SH   SOLE   0 0 23,983
SPDR INDEX SHS FDS S&P INTL ETF 78463X772   494,009 14,411 SH   SOLE   0 0 14,411
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   97,451,662 1,495,345 SH   SOLE   0 0 1,495,345
ISHARES TR CORE DIV GRWTH 46434V621   378,582 7,573 SH   SOLE   0 0 7,573
ISHARES TR RUSSELL 2000 ETF 464287655   454,068 2,545 SH   SOLE   0 0 2,545
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   17,742,620 723,598 SH   SOLE   0 0 723,598
ENERGY TRANSFER L P COM UT LTD PTN 29273V100   967,912 77,619 SH   SOLE   0 0 77,619
INVESCO EXCHANGE TRADED FD T S&P500 EQL HLT 46137V332   3,337,872 11,444 SH   SOLE   0 0 11,444
ISHARES TR S&P 500 GRWT ETF 464287309   307,253 4,809 SH   SOLE   0 0 4,809
INNOVATOR ETFS TR US EQTY PWR BUF 45782C748   7,282,944 236,649 SH   SOLE   0 0 236,649
ISHARES TR FLTG RATE NT ETF 46429B655   942,343 18,701 SH   SOLE   0 0 18,701
PAVMED INC COM 70387R106   5,151 13,792 SH   SOLE   0 0 13,792
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730   11,932,777 458,072 SH   SOLE   0 0 458,072
ISHARES TR MSCI USA VALUE 46432F388   1,832,726 19,794 SH   SOLE   0 0 19,794
STATE STR CORP COM 857477103   484,719 6,404 SH   SOLE   0 0 6,404
ISHARES TR PFD AND INCM SEC 464288687   288,941 9,255 SH   SOLE   0 0 9,255
DESKTOP METAL INC COM CL A 25058X105   24,650 34,000 SH Call SOLE   0 0 34,000
LILLY ELI & CO COM 532457108   318,587 928 SH   SOLE   0 0 928
ISHARES TR CORE US AGGBD ET 464287226   4,560,806 45,773 SH   SOLE   0 0 45,773
ISHARES TR NATIONAL MUN ETF 464288414   5,661,868 52,551 SH   SOLE   0 0 52,551
GLOBAL X FDS NASDAQ 100 COVER 37954Y483   325,744 18,994 SH   SOLE   0 0 18,994
VANGUARD WORLD FD MEGA CAP INDEX 921910873   832,088 5,813 SH   SOLE   0 0 5,813
ISHARES TR MSCI EAFE ETF 464287465   3,434,993 48,028 SH   SOLE   0 0 48,028
ISHARES TR RUS 2000 VAL ETF 464287630   986,681 7,201 SH   SOLE   0 0 7,201
TILRAY BRANDS INC COM 88688T100   32,994 13,041 SH   SOLE   0 0 13,041
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100   527,274 6,537 SH   SOLE   0 0 6,537
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   2,402,325 70,387 SH   SOLE   0 0 70,387
FS CREDIT OPPORTUNITIES CORP COMMON STOCK 30290Y101   160,546 36,159 SH   SOLE   0 0 36,159
CHEVRON CORP NEW COM 166764100   452,744 2,775 SH   SOLE   0 0 2,775
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   22,246,672 165,933 SH   SOLE   0 0 165,933
INNOVATOR ETFS TR US EQT ULTRA BF 45782C805   382,006 15,317 SH   SOLE   0 0 15,317
ISHARES TR SHORT TREAS BD 464288679   7,002,054 63,367 SH   SOLE   0 0 63,367
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   530,322 7,183 SH   SOLE   0 0 7,183
ISHARES TR TIPS BD ETF 464287176   663,329 6,017 SH   SOLE   0 0 6,017
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   214,975 8,437 SH   SOLE   0 0 8,437
ISHARES TR 0-5 YR TIPS ETF 46429B747   1,296,241 13,063 SH   SOLE   0 0 13,063
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407   458,789 3,068 SH   SOLE   0 0 3,068
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538   21,667,293 111,177 SH   SOLE   0 0 111,177
ISHARES TR ISHS 1-5YR INVS 464288646   214,290 4,240 SH   SOLE   0 0 4,240
INVESCO QQQ TR UNIT SER 1 46090E103   1,100,646 3,430 SH   SOLE   0 0 3,430
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763   8,456,429 173,750 SH   SOLE   0 0 173,750
ISHARES TR MSCI USA ESG SLC 464288802   225,393 2,568 SH   SOLE   0 0 2,568
AGILENT TECHNOLOGIES INC COM 00846U101   389,289 2,814 SH   SOLE   0 0 2,814
HOME DEPOT INC COM 437076102   537,361 1,821 SH   SOLE   0 0 1,821
NETFLIX INC COM 64110L106   376,919 1,091 SH   SOLE   0 0 1,091
NVIDIA CORPORATION COM 67066G104   836,749 3,012 SH   SOLE   0 0 3,012
ISHARES TR CORE MSCI TOTAL 46432F834   1,416,053 22,858 SH   SOLE   0 0 22,858
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   79,756,761 2,291,861 SH   SOLE   0 0 2,291,861
ARK ETF TR INNOVATION ETF 00214Q104   213,483 5,292 SH   SOLE   0 0 5,292
COMCAST CORP NEW CL A 20030N101   337,494 8,902 SH   SOLE   0 0 8,902
SPDR SER TR S&P 600 SMCP VAL 78464A300   6,834,727 89,718 SH   SOLE   0 0 89,718
SELECT SECTOR SPDR TR ENERGY 81369Y506   2,927,100 35,339 SH   SOLE   0 0 35,339
VANGUARD SCOTTSDALE FDS LONG TERM TREAS 92206C847   281,431 4,296 SH   SOLE   0 0 4,296
LEAP THERAPEUTICS INC COM 52187K101   15,565 45,778 SH   SOLE   0 0 45,778
GLOBAL X FDS S&P 500 COVERED 37954Y475   1,786,448 44,110 SH   SOLE   0 0 44,110
WORLD GOLD TR SPDR GLD MINIS 98149E303   240,527 6,150 SH   SOLE   0 0 6,150
ISHARES TR RUS 1000 ETF 464287622   206,417 916 SH   SOLE   0 0 916
VANGUARD INDEX FDS MID CAP ETF 922908629   347,041 1,645 SH   SOLE   0 0 1,645
ISHARES TR JPMORGAN USD EMG 464288281   250,041 2,898 SH   SOLE   0 0 2,898
TRIMBLE INC COM 896239100   358,081 6,831 SH   SOLE   0 0 6,831
SPDR SER TR PORTFOLIO AGRGTE 78464A649   2,084,839 80,839 SH   SOLE   0 0 80,839
US BANCORP DEL COM NEW 902973304   291,040 8,073 SH   SOLE   0 0 8,073
AUTOMATIC DATA PROCESSING IN COM 053015103   288,083 1,294 SH   SOLE   0 0 1,294
SCHWAB STRATEGIC TR 1000 INDEX ETF 808524722   285,689 7,224 SH   SOLE   0 0 7,224
ISHARES TR S&P 100 ETF 464287101   2,374,473 12,695 SH   SOLE   0 0 12,695
INNOVATOR ETFS TR US EQTY PWR BUF 45782C813   2,792,357 88,254 SH   SOLE   0 0 88,254
DBX ETF TR XTRACK MUN INFRA 233051705   5,453,911 217,982 SH   SOLE   0 0 217,982
INVESCO EXCH TRADED FD TR II FNDMNTL HY CRP 46138E719   1,531,003 87,436 SH   SOLE   0 0 87,436
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888   36,657,244 1,087,429 SH   SOLE   0 0 1,087,429
ISHARES TR IBOXX INV CP ETF 464287242   670,966 6,121 SH   SOLE   0 0 6,121
VANGUARD SCOTTSDALE FDS VNG RUS1000GRW 92206C680   880,260 13,997 SH   SOLE   0 0 13,997
ALKALINE WTR CO INC COM NEW 01643A207   2,163 13,501 SH   SOLE   0 0 13,501
DESKTOP METAL INC COM CL A 25058X105   3,489 1,517 SH   SOLE   0 0 1,517
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   354,902 3,364 SH   SOLE   0 0 3,364
DOW INC COM 260557103   508,819 9,282 SH   SOLE   0 0 9,282
REGENERON PHARMACEUTICALS COM 75886F107   2,191,394 2,667 SH   SOLE   0 0 2,667
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854   6,238,598 123,708 SH   SOLE   0 0 123,708
LOWES COS INC COM 548661107   254,912 1,275 SH   SOLE   0 0 1,275
ISHARES TR MRGSTR MD CP GRW 464288307   325,847 5,661 SH   SOLE   0 0 5,661
VANGUARD INDEX FDS TOTAL STK MKT 922908769   7,849,934 38,461 SH   SOLE   0 0 38,461
RAYTHEON TECHNOLOGIES CORP COM 75513E101   583,206 5,955 SH   SOLE   0 0 5,955
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   5,398,086 119,506 SH   SOLE   0 0 119,506
ISHARES TR 0-3 MNTH TREASRY 46436E718   396,989 3,947 SH   SOLE   0 0 3,947
AMPLIFY ETF TR BLACKSWAN GRWT 032108888   4,244,471 166,134 SH   SOLE   0 0 166,134
ISHARES TR CORE S&P US GWT 464287671   232,134 2,615 SH   SOLE   0 0 2,615
INTERNATIONAL BUSINESS MACHS COM 459200101   398,458 3,040 SH   SOLE   0 0 3,040
EXXON MOBIL CORP COM 30231G102   902,315 8,228 SH   SOLE   0 0 8,228
SPDR SER TR BBG CONV SEC ETF 78464A359   6,056,091 90,295 SH   SOLE   0 0 90,295
AMERICAN CENTY ETF TR DIVERSIFIED MU 025072505   240,908 4,785 SH   SOLE   0 0 4,785
MARRIOTT INTL INC NEW CL A 571903202   230,966 1,391 SH   SOLE   0 0 1,391
INVESCO INDIA EXCHANGE-TRADE INDIA ETF 46137R109   2,405,258 116,481 SH   SOLE   0 0 116,481
SPDR SER TR PRTFLO S&P500 HI 78468R788   776,916 20,445 SH   SOLE   0 0 20,445
FRANCO NEV CORP COM 351858105   332,278 2,279 SH   SOLE   0 0 2,279
SPDR SER TR PORTFLI TIPS ETF 78464A656   1,173,133 43,987 SH   SOLE   0 0 43,987
ISHARES TR RUS TOP 200 ETF 464289446   276,068 2,837 SH   SOLE   0 0 2,837
BRISTOL-MYERS SQUIBB CO COM 110122108   348,197 5,024 SH   SOLE   0 0 5,024
SENSEONICS HLDGS INC COM 81727U105   17,751 25,001 SH   SOLE   0 0 25,001
STARBUCKS CORP COM 855244109   336,518 3,232 SH   SOLE   0 0 3,232
BANK AMERICA CORP COM 060505104   295,828 10,344 SH   SOLE   0 0 10,344
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771   115,688,082 2,106,484 SH   SOLE   0 0 2,106,484
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   249,226 872 SH   SOLE   0 0 872
COCA COLA CO COM 191216100   418,223 6,742 SH   SOLE   0 0 6,742
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504   287,755 1,207 SH   SOLE   0 0 1,207
VANGUARD WORLD FDS INF TECH ETF 92204A702   2,317,080 6,011 SH   SOLE   0 0 6,011
VAXXINITY INC COM CL A 92244V104   105,155 46,324 SH   SOLE   0 0 46,324
VERTEX PHARMACEUTICALS INC COM 92532F100   700,401 2,223 SH   SOLE   0 0 2,223
ISHARES TR RESIDENTIAL MULT 464288562   1,851,109 26,212 SH   SOLE   0 0 26,212
INNOVATOR ETFS TR US EQTY PWR BUF 45782C797   216,286 6,838 SH   SOLE   0 0 6,838
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   4,220,939 57,695 SH   SOLE   0 0 57,695
VANGUARD INDEX FDS GROWTH ETF 922908736   1,502,479 6,023 SH   SOLE   0 0 6,023
SPDR SER TR S&P 400 MDCP GRW 78464A821   20,900,097 305,378 SH   SOLE   0 0 305,378
ALPS ETF TR SECTR DIV DOGS 00162Q858   200,543 3,917 SH   SOLE   0 0 3,917
MARSH & MCLENNAN COS INC COM 571748102   689,017 4,137 SH   SOLE   0 0 4,137
ALPHABET INC CAP STK CL A 02079K305   678,602 6,542 SH   SOLE   0 0 6,542
SPDR S&P 500 ETF TR TR UNIT 78462F103   2,067,522 5,050 SH   SOLE   0 0 5,050
ISHARES TR 0-5YR HI YL CP 46434V407   2,873,324 68,938 SH   SOLE   0 0 68,938
SPDR SER TR S&P 400 MDCP VAL 78464A839   16,945,993 256,447 SH   SOLE   0 0 256,447
CHOICE HOTELS INTL INC COM 169905106   306,803 2,618 SH   SOLE   0 0 2,618
ISHARES TR RUS 2000 GRW ETF 464287648   1,062,879 4,686 SH   SOLE   0 0 4,686
CRYPTYDE INC COM 22890A104   3,786 45,500 SH   SOLE   0 0 45,500
ISHARES TR CORE S&P MCP ETF 464287507   213,977 855 SH   SOLE   0 0 855
ISHARES TR INTERNATIONAL SL 46434V266   3,536,845 113,789 SH   SOLE   0 0 113,789
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   732,810 4,758 SH   SOLE   0 0 4,758
PIMCO ETF TR INTER MUN BD ACT 72201R866   2,064,916 39,512 SH   SOLE   0 0 39,512
HEPION PHARMACEUTICALS INC COM 426897104   48,274 62,169 SH   SOLE   0 0 62,169
VANGUARD INDEX FDS VALUE ETF 922908744   2,227,952 16,132 SH   SOLE   0 0 16,132
PHILLIPS EDISON & CO INC COMMON STOCK 71844V201   7,988,736 244,903 SH   SOLE   0 0 244,903
ETF SER SOLUTIONS APTUS DEFINED 26922A388   358,171 13,792 SH   SOLE   0 0 13,792
MCDONALDS CORP COM 580135101   528,401 1,890 SH   SOLE   0 0 1,890
WISDOMTREE TR INTRST RATE HDGE 97717W380   2,440,957 56,075 SH   SOLE   0 0 56,075
SPDR SER TR NUVEEN BLOOMBERG 78464A284   1,704,780 68,082 SH   SOLE   0 0 68,082
GILEAD SCIENCES INC COM 375558103   767,971 9,256 SH   SOLE   0 0 9,256
NIKE INC CL B 654106103   275,588 2,247 SH   SOLE   0 0 2,247
THE CIGNA GROUP COM 125523100   286,290 1,120 SH   SOLE   0 0 1,120
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   5,651,278 111,553 SH   SOLE   0 0 111,553
PEPSICO INC COM 713448108   240,734 1,321 SH   SOLE   0 0 1,321
SPDR S&P 500 ETF TR TR UNIT 78462F103   24 100 SH Call SOLE   0 0 100
JOHNSON & JOHNSON COM 478160104   1,251,045 8,071 SH   SOLE   0 0 8,071
ISHARES TR RUS 1000 VAL ETF 464287598   1,746,172 11,468 SH   SOLE   0 0 11,468
ISHARES GOLD TR ISHARES NEW 464285204   1,272,150 34,042 SH   SOLE   0 0 34,042
NEXTERA ENERGY INC COM 65339F101   229,471 2,977 SH   SOLE   0 0 2,977
INVESCO EXCHANGE TRADED FD T S&P 500 TOP 50 46137V233   2,895,060 9,323 SH   SOLE   0 0 9,323
SPDR SER TR S&P BIOTECH 78464A870   619,968 8,135 SH   SOLE   0 0 8,135
INNOVATOR ETFS TR US EQTY BUFR JUN 45782C755   277,504 8,672 SH   SOLE   0 0 8,672
ISHARES TR CORE S&P500 ETF 464287200   15,439,880 37,559 SH   SOLE   0 0 37,559
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308   3,267,787 43,740 SH   SOLE   0 0 43,740
VANGUARD INDEX FDS SML CP GRW ETF 922908595   9,204,484 42,533 SH   SOLE   0 0 42,533
VANGUARD WORLD FDS UTILITIES ETF 92204A876   1,740,011 11,795 SH   SOLE   0 0 11,795
TELLURIAN INC NEW COM 87968A104   28,590 23,244 SH   SOLE   0 0 23,244
META PLATFORMS INC CL A 30303M102   414,979 1,958 SH   SOLE   0 0 1,958
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   29,215,205 202,014 SH   SOLE   0 0 202,014
ISHARES TR ISHARES SEMICDTR 464287523   294,379 662 SH   SOLE   0 0 662
DESKTOP METAL INC COM CL A 25058X105   3,300 4,000 SH Call SOLE   0 0 4,000
HUBSPOT INC COM 443573100   678,711 1,583 SH   SOLE   0 0 1,583
UNION PAC CORP COM 907818108   240,304 1,194 SH   SOLE   0 0 1,194
CHEMED CORP NEW COM 16359R103   330,179 614 SH   SOLE   0 0 614
JPMORGAN CHASE & CO COM 46625H100   296,630 2,276 SH   SOLE   0 0 2,276
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   434,294 9,076 SH   SOLE   0 0 9,076
MODERNA INC COM 60770K107   1,046,494 6,814 SH   SOLE   0 0 6,814
INVESCO EXCHANGE TRADED FD T S&P500 PUR GWT 46137V266   232,134 1,536 SH   SOLE   0 0 1,536
GOLDMAN SACHS ETF TR ACTIVEBETA US LG 381430503   2,727,223 33,578 SH   SOLE   0 0 33,578
DYNATRACE INC COM NEW 268150109   530,527 12,542 SH   SOLE   0 0 12,542
SPDR SER TR ICE PFD SEC ETF 78464A292   1,481,709 43,631 SH   SOLE   0 0 43,631
APPLE INC COM 037833100   9,858,719 59,786 SH   SOLE   0 0 59,786
ALPHABET INC CAP STK CL C 02079K107   665,086 6,395 SH   SOLE   0 0 6,395
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706   595,823 9,937 SH   SOLE   0 0 9,937
INVESCO EXCH TRADED FD TR II S&P500 HDL VOL 46138E362   207,344 4,912 SH   SOLE   0 0 4,912
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   65,792,813 1,402,533 SH   SOLE   0 0 1,402,533
VANGUARD INDEX FDS SM CP VAL ETF 922908611   10,624,992 66,925 SH   SOLE   0 0 66,925
ISHARES TR ASIA 50 ETF 464288430   912,885 14,750 SH   SOLE   0 0 14,750
GAMIDA CELL LTD SHS M47364100   20,759 25,629 SH   SOLE   0 0 25,629
ISHARES INC CORE MSCI EMKT 46434G103   457,772 9,383 SH   SOLE   0 0 9,383
GLOBE LIFE INC COM 37959E102   315,757 2,870 SH   SOLE   0 0 2,870
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   1,505,440 11,629 SH   SOLE   0 0 11,629
TOAST INC CL A 888787108   914,995 51,549 SH   SOLE   0 0 51,549
INVESCO EXCHANGE TRADED FD T S&P500 EQL IND 46137V324   296,846 1,582 SH   SOLE   0 0 1,582
ISHARES TR CONV BD ETF 46435G102   402,507 5,543 SH   SOLE   0 0 5,543
PIMCO ETF TR 0-5 HIGH YIELD 72201R783   550,529 6,029 SH   SOLE   0 0 6,029
ISHARES TR EAFE SML CP ETF 464288273   1,689,333 28,387 SH   SOLE   0 0 28,387
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   4,051,484 100,284 SH   SOLE   0 0 100,284
VERIZON COMMUNICATIONS INC COM 92343V104   723,883 18,614 SH   SOLE   0 0 18,614
VANECK ETF TRUST LONG MUNI ETF 92189F536   2,601,310 144,437 SH   SOLE   0 0 144,437
SPDR SER TR S&P METALS MNG 78464A755   1,126,933 21,199 SH   SOLE   0 0 21,199
AON PLC SHS CL A G0403H108   908,350 2,881 SH   SOLE   0 0 2,881
TESLA INC COM 88160R101   7 200 SH Call SOLE   0 0 200
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   1,722,904 4,581 SH   SOLE   0 0 4,581
SPDR SER TR S&P 600 SMCP GRW 78464A201   5,702,733 77,325 SH   SOLE   0 0 77,325
SPDR SER TR NUVEEN BLMBRG SH 78468R739   2,497,181 52,517 SH   SOLE   0 0 52,517
VISA INC COM CL A 92826C839   417,826 1,853 SH   SOLE   0 0 1,853
NVIDIA CORPORATION COM 67066G104   1,118 100 SH Put SOLE   0 0 100
TESLA INC COM 88160R101   1,302,387 6,278 SH   SOLE   0 0 6,278
PIMCO ETF TR INV GRD CRP BD 72201R817   8,052,974 83,711 SH   SOLE   0 0 83,711
INDEXIQ ETF TR IQ MRGR ARB ETF 45409B800   585,028 18,496 SH   SOLE   0 0 18,496
LOCKHEED MARTIN CORP COM 539830109   259,808 550 SH   SOLE   0 0 550
VANGUARD INDEX FDS LARGE CAP ETF 922908637   2,940,464 15,740 SH   SOLE   0 0 15,740
AMERICAN EXPRESS CO COM 025816109   1,140,036 6,911 SH   SOLE   0 0 6,911
ORACLE CORP COM 68389X105   540,915 5,821 SH   SOLE   0 0 5,821
WALMART INC COM 931142103   342,705 2,324 SH   SOLE   0 0 2,324
CISCO SYS INC COM 17275R102   527,817 10,097 SH   SOLE   0 0 10,097
VANECK ETF TRUST HIGH YLD MUNIETF 92189H409   1,390,771 26,880 SH   SOLE   0 0 26,880
VANECK ETF TRUST SHRT HGH YLD MUN 92189F387   1,135,163 50,927 SH   SOLE   0 0 50,927
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   620,628 2,010 SH   SOLE   0 0 2,010
INNOVATOR ETFS TR US EQTY BUF NOV 45782C581   390,132 12,344 SH   SOLE   0 0 12,344
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886   1,088,987 16,088 SH   SOLE   0 0 16,088
SPDR SER TR NUVEEN BLMBRG MU 78468R721   8,911,461 190,335 SH   SOLE   0 0 190,335
OMNICOM GROUP INC COM 681919106   269,058 2,852 SH   SOLE   0 0 2,852
ABBVIE INC COM 00287Y109   3,398,973 21,328 SH   SOLE   0 0 21,328
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   368,790 4,441 SH   SOLE   0 0 4,441
ISHARES TR CORE TOTAL USD 46434V613   231,165 5,009 SH   SOLE   0 0 5,009
SPDR SER TR PRTFLO S&P500 VL 78464A508   12,571,279 308,725 SH   SOLE   0 0 308,725
AMPLIFY ETF TR CWP ENHANCED DIV 032108409   2,474,344 69,759 SH   SOLE   0 0 69,759
PFIZER INC COM 717081103   509,734 12,493 SH   SOLE   0 0 12,493
MERCK & CO INC COM 58933Y105   1,005,320 9,449 SH   SOLE   0 0 9,449
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109   489,284 1,471 SH   SOLE   0 0 1,471
ENTERPRISE PRODS PARTNERS L COM 293792107   1,016,367 39,242 SH   SOLE   0 0 39,242
ISHARES TR RUS MDCP VAL ETF 464287473   5,424,919 51,082 SH   SOLE   0 0 51,082
AT&T INC COM 00206R102   477,158 24,787 SH   SOLE   0 0 24,787
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   2,257,674 53,844 SH   SOLE   0 0 53,844
DISNEY WALT CO COM 254687106   338,062 3,376 SH   SOLE   0 0 3,376
SPDR INDEX SHS FDS S&P INTL SMLCP 78463X871   1,745,098 56,348 SH   SOLE   0 0 56,348
ANNALY CAPITAL MANAGEMENT IN COM NEW 035710839   207,057 10,835 SH   SOLE   0 0 10,835
SPDR SER TR PORTFOLIO LN TSR 78464A664   9,628,243 311,795 SH   SOLE   0 0 311,795
BOEING CO COM 097023105   314,669 1,481 SH   SOLE   0 0 1,481
VANGUARD WORLD FDS COMM SRVC ETF 92204A884   225,434 2,332 SH   SOLE   0 0 2,332
ISHARES U S ETF TR BLACKROCK SHORT 46431W838   256,045 5,125 SH   SOLE   0 0 5,125
VERASTEM INC COM 92337C104   13,435 32,358 SH   SOLE   0 0 32,358
ISHARES TR 20 YR TR BD ETF 464287432   706,753 6,644 SH   SOLE   0 0 6,644
VANGUARD WORLD FDS INDUSTRIAL ETF 92204A603   201,750 1,059 SH   SOLE   0 0 1,059
ISHARES TR IBOXX HI YD ETF 464288513   3,510,133 46,461 SH   SOLE   0 0 46,461
FIRST TR EXCHNG TRADED FD VI TCW UNCONSTRAI 33740F888   376,175 15,538 SH   SOLE   0 0 15,538
PYROGENESIS CDA INC COM 74734T104   25,239 31,159 SH   SOLE   0 0 31,159
VANGUARD INDEX FDS SMALL CP ETF 922908751   6,845,485 36,112 SH   SOLE   0 0 36,112
SPDR SER TR MSCI USA STRTGIC 78468R812   1,975,013 17,036 SH   SOLE   0 0 17,036
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   123,525,972 2,553,772 SH   SOLE   0 0 2,553,772
SPDR SER TR S&P DIVID ETF 78464A763   244,803 1,979 SH   SOLE   0 0 1,979
ISHARES TR RUS 1000 GRW ETF 464287614   3,652,531 14,949 SH   SOLE   0 0 14,949
WISDOMTREE TR HEDGED HI YLD BD 97717W430   1,884,673 90,740 SH   SOLE   0 0 90,740
SSGA ACTIVE ETF TR BLACKSTONE SENR 78467V608   596,402 14,385 SH   SOLE   0 0 14,385
INNOVATOR ETFS TR INTRNL DEV APRL 45782C367   337,454 13,768 SH   SOLE   0 0 13,768
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   398,890 2,641 SH   SOLE   0 0 2,641
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   9,487,391 124,034 SH   SOLE   0 0 124,034
CINCINNATI FINL CORP COM 172062101   279,771 2,496 SH   SOLE   0 0 2,496
PROCTER AND GAMBLE CO COM 742718109   361,295 2,430 SH   SOLE   0 0 2,430
SPDR INDEX SHS FDS MSCI EAFE STRTGC 78463X434   400,046 5,771 SH   SOLE   0 0 5,771
ISHARES TR RUS MD CP GR ETF 464287481   4,797,336 52,689 SH   SOLE   0 0 52,689
INVESCO EXCH TRADED FD TR II NATL AMT MUNI 46138E537   4,431,854 187,156 SH   SOLE   0 0 187,156
INVESCO EXCH TRADED FD TR II SR LN ETF 46138G508   5,779,772 277,874 SH   SOLE   0 0 277,874
INVESCO EXCH TRADED FD TR II PFD ETF 46138E511   6,037,345 525,901 SH   SOLE   0 0 525,901
SPDR SER TR PRTFLO S&P500 GW 78464A409   826,650 14,932 SH   SOLE   0 0 14,932
ISHARES TR SHRT NAT MUN ETF 464288158   3,039,299 29,034 SH   SOLE   0 0 29,034
TJX COS INC NEW COM 872540109   497,574 6,350 SH   SOLE   0 0 6,350
SPDR S&P 500 ETF TR TR UNIT 78462F103   31 100 SH Put SOLE   0 0 100
PPL CORP COM 69351T106   207,869 7,480 SH   SOLE   0 0 7,480
UNITED PARCEL SERVICE INC CL B 911312106   897,536 4,627 SH   SOLE   0 0 4,627