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
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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
ISHARES TR RUS TP200 GR ETF 464289438   12,063,971 61,835 SH   SOLE   0 0 61,835
ABBOTT LABS COM 002824100   445,888 3,923 SH   SOLE   0 0 3,923
MICROSOFT CORP COM 594918104   5,770,989 13,717 SH   SOLE   0 0 13,717
BAXTER INTL INC COM 071813109   229,129 5,361 SH   SOLE   0 0 5,361
ISHARES TR ESG AW MSCI EAFE 46435G516   284,639 3,562 SH   SOLE   0 0 3,562
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   1,347,160 16,544 SH   SOLE   0 0 16,544
ISHARES TR CORE MSCI EAFE 46432F842   13,417,013 180,774 SH   SOLE   0 0 180,774
INNOVATOR ETFS TRUST US EQT ULTRA BF 45782C805   312,914 11,112 SH   SOLE   0 0 11,112
SPDR INDEX SHS FDS S&P INTL ETF 78463X772   699,098 19,889 SH   SOLE   0 0 19,889
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852   247,675 3,033 SH   SOLE   0 0 3,033
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   162,913,223 1,757,045 SH   SOLE   0 0 1,757,045
ISHARES TR CORE DIV GRWTH 46434V621   527,506 9,086 SH   SOLE   0 0 9,086
ISHARES TR RUSSELL 2000 ETF 464287655   579,336 2,755 SH   SOLE   0 0 2,755
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   31,618,863 1,252,232 SH   SOLE   0 0 1,252,232
CATERPILLAR INC COM 149123101   232,050 633 SH   SOLE   0 0 633
ENERGY TRANSFER L P COM UT LTD PTN 29273V100   1,226,881 77,996 SH   SOLE   0 0 77,996
INVESCO EXCHANGE TRADED FD T S&P500 EQL HLT 46137V332   3,214,044 101,102 SH   SOLE   0 0 101,102
ISHARES TR S&P 500 GRWT ETF 464287309   435,823 5,161 SH   SOLE   0 0 5,161
ISHARES TR MSCI USA QLT FCT 46432F339   320,015 1,947 SH   SOLE   0 0 1,947
ISHARES TR FLTG RATE NT ETF 46429B655   205,670 4,028 SH   SOLE   0 0 4,028
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730   11,855,282 427,063 SH   SOLE   0 0 427,063
SPDR SER TR PORTFLI INTRMDIT 78464A672   302,231 10,725 SH   SOLE   0 0 10,725
AMERICAN AIRLS GROUP INC COM 02376R102   282,758 18,421 SH   SOLE   0 0 18,421
ISHARES TR MSCI USA VALUE 46432F388   2,253,823 20,809 SH   SOLE   0 0 20,809
STATE STR CORP COM 857477103   503,276 6,509 SH   SOLE   0 0 6,509
ISHARES TR PFD AND INCM SEC 464288687   992,974 30,809 SH   SOLE   0 0 30,809
ISHARES TR CORE MSCI TOTAL 46432F834   1,461,704 21,540 SH   SOLE   0 0 21,540
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   116,923,762 2,996,508 SH   SOLE   0 0 2,996,508
GRAYSCALE BITCOIN TR BTC SHS REP COM UT 389637109   235,750 3,732 SH   SOLE   0 0 3,732
COMCAST CORP NEW CL A 20030N101   428,368 9,882 SH   SOLE   0 0 9,882
3M CO COM 88579Y101   204,668 1,930 SH   SOLE   0 0 1,930
ISHARES TR CORE US AGGBD ET 464287226   6,018,305 61,449 SH   SOLE   0 0 61,449
ISHARES TR NATIONAL MUN ETF 464288414   5,902,959 54,860 SH   SOLE   0 0 54,860
GLOBAL X FDS NASDAQ 100 COVER 37954Y483   467,673 26,112 SH   SOLE   0 0 26,112
VANGUARD WORLD FD MEGA CAP INDEX 921910873   1,075,887 5,757 SH   SOLE   0 0 5,757
ISHARES TR MSCI EAFE ETF 464287465   3,801,044 47,596 SH   SOLE   0 0 47,596
ISHARES TR RUS 2000 VAL ETF 464287630   1,316,217 8,288 SH   SOLE   0 0 8,288
NETAPP INC COM 64110D104   253,188 2,412 SH   SOLE   0 0 2,412
WM TECHNOLOGY INC COM 92971A109   13,569 10,202 SH   SOLE   0 0 10,202
TILRAY BRANDS INC COM 88688T100   119,205 48,261 SH   SOLE   0 0 48,261
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   2,817,026 77,840 SH   SOLE   0 0 77,840
FS CREDIT OPPORTUNITIES CORP COMMON STOCK 30290Y101   361,362 60,938 SH   SOLE   0 0 60,938
CHEVRON CORP NEW COM 166764100   551,557 3,497 SH   SOLE   0 0 3,497
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   41,361,791 265,293 SH   SOLE   0 0 265,293
ISHARES TR SHORT TREAS BD 464288679   465,176 4,208 SH   SOLE   0 0 4,208
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   544,363 7,495 SH   SOLE   0 0 7,495
RING ENERGY INC COM 76680V108   30,231 15,424 SH   SOLE   0 0 15,424
ISHARES TR TIPS BD ETF 464287176   642,266 5,980 SH   SOLE   0 0 5,980
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   269,562 8,437 SH   SOLE   0 0 8,437
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538   39,649,609 168,156 SH   SOLE   0 0 168,156
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407   572,817 3,115 SH   SOLE   0 0 3,115
INNOVATOR ETFS TRUST US EQTY PWR BUF 45782C748   8,174,440 236,803 SH   SOLE   0 0 236,803
ISHARES TR ISHS 1-5YR INVS 464288646   285,117 5,560 SH   SOLE   0 0 5,560
INVESCO QQQ TR UNIT SER 1 46090E103   1,797,558 4,048 SH   SOLE   0 0 4,048
FISERV INC COM 337738108   246,283 1,541 SH   SOLE   0 0 1,541
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763   9,422,557 165,221 SH   SOLE   0 0 165,221
ISHARES TR MSCI USA ESG SLC 464288802   411,134 3,766 SH   SOLE   0 0 3,766
ISHARES TR S&P 500 VAL ETF 464287408   227,408 1,217 SH   SOLE   0 0 1,217
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332   238,508 4,122 SH   SOLE   0 0 4,122
AGILENT TECHNOLOGIES INC COM 00846U101   355,481 2,443 SH   SOLE   0 0 2,443
HOME DEPOT INC COM 437076102   1,195,498 3,117 SH   SOLE   0 0 3,117
NVIDIA CORPORATION COM 67066G104   7,316,008 8,097 SH   SOLE   0 0 8,097
NETFLIX INC COM 64110L106   743,378 1,224 SH   SOLE   0 0 1,224
SPDR SER TR S&P 600 SMCP VAL 78464A300   7,136,192 86,009 SH   SOLE   0 0 86,009
SELECT SECTOR SPDR TR ENERGY 81369Y506   1,020,099 10,805 SH   SOLE   0 0 10,805
GLOBAL X FDS S&P 500 COVERED 37954Y475   1,102,550 27,030 SH   SOLE   0 0 27,030
SCHWAB CHARLES FAMILY FD AMT TAX FREE MNY 808515530   1,066,081 1,066,081 SH   SOLE   0 0 1,066,081
WORLD GOLD TR SPDR GLD MINIS 98149E303   266,018 6,039 SH   SOLE   0 0 6,039
ISHARES TR RUS 1000 ETF 464287622   293,598 1,019 SH   SOLE   0 0 1,019
VANGUARD INDEX FDS MID CAP ETF 922908629   375,291 1,502 SH   SOLE   0 0 1,502
VANGUARD BD INDEX FDS INTERMED TERM 921937819   314,644 4,173 SH   SOLE   0 0 4,173
TRIMBLE INC COM 896239100   448,267 6,965 SH   SOLE   0 0 6,965
ISHARES TR JPMORGAN USD EMG 464288281   230,906 2,575 SH   SOLE   0 0 2,575
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   258,822 7,222 SH   SOLE   0 0 7,222
INNOVATOR ETFS TRUST INTRNL DEV APRL 45782C367   373,939 13,768 SH   SOLE   0 0 13,768
AUTOMATIC DATA PROCESSING IN COM 053015103   354,631 1,420 SH   SOLE   0 0 1,420
US BANCORP DEL COM NEW 902973304   384,599 8,604 SH   SOLE   0 0 8,604
SPDR SER TR PORTFOLIO AGRGTE 78464A649   2,542,991 100,593 SH   SOLE   0 0 100,593
SCHWAB STRATEGIC TR 1000 INDEX ETF 808524722   493,756 9,745 SH   SOLE   0 0 9,745
ISHARES TR S&P 100 ETF 464287101   3,140,375 12,693 SH   SOLE   0 0 12,693
DANAHER CORPORATION COM 235851102   205,520 823 SH   SOLE   0 0 823
LIQUIDIA CORPORATION COM NEW 53635D202   198,992 13,491 SH   SOLE   0 0 13,491
I-80 GOLD CORP COM 44955L106   21,478 16,028 SH   SOLE   0 0 16,028
DBX ETF TR XTRACK MUN INFRA 233051705   5,942,638 231,591 SH   SOLE   0 0 231,591
INVESCO EXCH TRADED FD TR II FNDMNTL HY CRP 46138E719   1,325,990 73,138 SH   SOLE   0 0 73,138
NUSHARES ETF TR NUVEEN ESG LRGCP 67092P201   318,164 4,171 SH   SOLE   0 0 4,171
AMGEN INC COM 031162100   213,119 750 SH   SOLE   0 0 750
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888   51,442,982 1,436,955 SH   SOLE   0 0 1,436,955
ISHARES TR IBOXX INV CP ETF 464287242   733,032 6,730 SH   SOLE   0 0 6,730
INNOVATOR ETFS TRUST US EQTY PWR BUF 45782C797   294,934 7,867 SH   SOLE   0 0 7,867
VANGUARD SCOTTSDALE FDS VNG RUS1000GRW 92206C680   1,011,808 11,674 SH   SOLE   0 0 11,674
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   554,873 4,586 SH   SOLE   0 0 4,586
ISHARES INC JP MRGN EM HI BD 464286285   269,188 7,186 SH   SOLE   0 0 7,186
QUALCOMM INC COM 747525103   270,118 1,595 SH   SOLE   0 0 1,595
DOW INC COM 260557103   719,056 12,412 SH   SOLE   0 0 12,412
MASTERCARD INCORPORATED CL A 57636Q104   401,879 835 SH   SOLE   0 0 835
REGENERON PHARMACEUTICALS COM 75886F107   2,588,136 2,689 SH   SOLE   0 0 2,689
ELI LILLY & CO COM 532457108   1,902,791 2,446 SH   SOLE   0 0 2,446
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854   9,230,207 188,180 SH   SOLE   0 0 188,180
LOWES COS INC COM 548661107   347,315 1,363 SH   SOLE   0 0 1,363
ISHARES TR MRGSTR MD CP GRW 464288307   473,485 6,699 SH   SOLE   0 0 6,699
INNOVATOR ETFS TRUST US EQTY BUF OCT 45782C771   771,034 19,052 SH   SOLE   0 0 19,052
VANGUARD INDEX FDS TOTAL STK MKT 922908769   9,773,774 37,606 SH   SOLE   0 0 37,606
STRYKER CORPORATION COM 863667101   245,769 687 SH   SOLE   0 0 687
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   5,732,991 114,271 SH   SOLE   0 0 114,271
UWM HOLDINGS CORPORATION COM CL A 91823B109   79,591 10,963 SH   SOLE   0 0 10,963
ISHARES TR RUS MID CAP ETF 464287499   207,618 2,469 SH   SOLE   0 0 2,469
ISHARES TR 0-3 MNTH TREASRY 46436E718   2,660,053 26,413 SH   SOLE   0 0 26,413
AMPLIFY ETF TR BLACKSWAN GRWT 032108888   3,287,448 117,729 SH   SOLE   0 0 117,729
INTERNATIONAL BUSINESS MACHS COM 459200101   642,340 3,364 SH   SOLE   0 0 3,364
WELLS FARGO CO NEW COM 949746101   314,773 5,431 SH   SOLE   0 0 5,431
EXXON MOBIL CORP COM 30231G102   1,459,406 12,555 SH   SOLE   0 0 12,555
GENERAL ELECTRIC CO COM NEW 369604301   404,822 2,306 SH   SOLE   0 0 2,306
SPDR SER TR SSGA US SMAL ETF 78468R887   237,299 2,118 SH   SOLE   0 0 2,118
SPDR SER TR BBG CONV SEC ETF 78464A359   8,907,313 121,951 SH   SOLE   0 0 121,951
AMERICAN CENTY ETF TR DIVERSIFIED MU 025072505   227,178 4,494 SH   SOLE   0 0 4,494
AIRBNB INC COM CL A 009066101   200,756 1,217 SH   SOLE   0 0 1,217
MARRIOTT INTL INC NEW CL A 571903202   367,653 1,457 SH   SOLE   0 0 1,457
INTEL CORP COM 458140100   339,302 7,682 SH   SOLE   0 0 7,682
INVESCO INDIA EXCHANGE-TRADE INDIA ETF 46137R109   4,465,860 167,073 SH   SOLE   0 0 167,073
PHILLIPS 66 COM 718546104   240,937 1,475 SH   SOLE   0 0 1,475
SPDR SER TR PRTFLO S&P500 HI 78468R788   1,329,765 32,664 SH   SOLE   0 0 32,664
UNITEDHEALTH GROUP INC COM 91324P102   248,934 503 SH   SOLE   0 0 503
FRANCO NEV CORP COM 351858105   271,566 2,279 SH   SOLE   0 0 2,279
SPDR SER TR PORTFLI TIPS ETF 78464A656   649,749 25,361 SH   SOLE   0 0 25,361
ISHARES TR RUS TOP 200 ETF 464289446   363,055 2,856 SH   SOLE   0 0 2,856
BRISTOL-MYERS SQUIBB CO COM 110122108   256,056 4,722 SH   SOLE   0 0 4,722
SENSEONICS HLDGS INC COM 81727U105   13,278 25,001 SH   SOLE   0 0 25,001
STARBUCKS CORP COM 855244109   341,817 3,740 SH   SOLE   0 0 3,740
WASTE MGMT INC DEL COM 94106L109   280,624 1,317 SH   SOLE   0 0 1,317
FS KKR CAP CORP COM 302635206   228,783 11,997 SH   SOLE   0 0 11,997
BANK AMERICA CORP COM 060505104   424,555 11,196 SH   SOLE   0 0 11,196
BITWISE BITCOIN ETF TR SHS BEN INT 09174C104   267,564 6,912 SH   SOLE   0 0 6,912
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771   174,202,036 2,584,983 SH   SOLE   0 0 2,584,983
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   432,569 1,248 SH   SOLE   0 0 1,248
COCA COLA CO COM 191216100   662,801 10,834 SH   SOLE   0 0 10,834
ISHARES TR RESIDENTIAL MULT 464288562   308,370 4,279 SH   SOLE   0 0 4,279
VAXXINITY INC COM CL A 92244V104   56,167 78,281 SH   SOLE   0 0 78,281
VERTEX PHARMACEUTICALS INC COM 92532F100   849,396 2,032 SH   SOLE   0 0 2,032
MONDELEZ INTL INC CL A 609207105   216,230 3,089 SH   SOLE   0 0 3,089
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718   365,614 3,129 SH   SOLE   0 0 3,129
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   4,451,234 55,206 SH   SOLE   0 0 55,206
VANGUARD WORLD FD MEGA GRWTH IND 921910816   668,669 2,333 SH   SOLE   0 0 2,333
SPDR SER TR RUSSELL YIELD 78468R770   225,899 2,079 SH   SOLE   0 0 2,079
ISHARES TR CORE S&P US VLU 464287663   213,981 2,366 SH   SOLE   0 0 2,366
VANGUARD INDEX FDS GROWTH ETF 922908736   2,283,316 6,634 SH   SOLE   0 0 6,634
SPDR SER TR S&P 400 MDCP GRW 78464A821   25,170,186 288,351 SH   SOLE   0 0 288,351
MARSH & MCLENNAN COS INC COM 571748102   767,893 3,728 SH   SOLE   0 0 3,728
ALPHABET INC CAP STK CL A 02079K305   1,341,384 8,887 SH   SOLE   0 0 8,887
SPDR S&P 500 ETF TR TR UNIT 78462F103   4,011,477 7,669 SH   SOLE   0 0 7,669
ISHARES TR 0-5YR HI YL CP 46434V407   567,483 13,337 SH   SOLE   0 0 13,337
VANGUARD WORLD FD UTILITIES ETF 92204A876   598,490 4,198 SH   SOLE   0 0 4,198
SPDR SER TR S&P 400 MDCP VAL 78464A839   18,298,291 240,767 SH   SOLE   0 0 240,767
ISHARES TR RUS 2000 GRW ETF 464287648   1,575,785 5,819 SH   SOLE   0 0 5,819
ISHARES TR CORE S&P MCP ETF 464287507   207,631 3,418 SH   SOLE   0 0 3,418
ISHARES TR INTERNATIONAL SL 46434V266   4,666,611 141,498 SH   SOLE   0 0 141,498
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   1,045,318 5,724 SH   SOLE   0 0 5,724
PIMCO ETF TR INTER MUN BD ACT 72201R866   1,961,748 37,388 SH   SOLE   0 0 37,388
VANGUARD INDEX FDS VALUE ETF 922908744   2,725,717 16,737 SH   SOLE   0 0 16,737
PHILLIPS EDISON & CO INC COMMON STOCK 71844V201   6,128,138 170,843 SH   SOLE   0 0 170,843
MCDONALDS CORP COM 580135101   598,587 2,123 SH   SOLE   0 0 2,123
ISHARES TR MSCI INDIA ETF 46429B598   436,245 8,456 SH   SOLE   0 0 8,456
WISDOMTREE TR INTRST RATE HDGE 97717W380   4,564,192 206,712 SH   SOLE   0 0 206,712
SPDR SER TR NUVEEN BLOOMBERG 78464A284   2,260,639 87,997 SH   SOLE   0 0 87,997
GILEAD SCIENCES INC COM 375558103   1,630,397 22,258 SH   SOLE   0 0 22,258
THE CIGNA GROUP COM 125523100   466,071 1,283 SH   SOLE   0 0 1,283
NIKE INC CL B 654106103   241,809 2,573 SH   SOLE   0 0 2,573
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   6,397,743 126,438 SH   SOLE   0 0 126,438
PEPSICO INC COM 713448108   292,314 1,670 SH   SOLE   0 0 1,670
CONSOLIDATED EDISON INC COM 209115104   220,441 2,427 SH   SOLE   0 0 2,427
DRAFTKINGS INC NEW COM CL A 26142V105   307,562 6,773 SH   SOLE   0 0 6,773
ISHARES TR ISHARES BIOTECH 464287556   216,197 1,576 SH   SOLE   0 0 1,576
JOHNSON & JOHNSON COM 478160104   975,421 6,166 SH   SOLE   0 0 6,166
ISHARES TR RUS 1000 VAL ETF 464287598   1,824,598 10,187 SH   SOLE   0 0 10,187
ISHARES GOLD TR ISHARES NEW 464285204   428,292 10,195 SH   SOLE   0 0 10,195
INNOVATOR ETFS TRUST US EQTY PWR BUF 45782C813   3,532,520 93,010 SH   SOLE   0 0 93,010
NEXTERA ENERGY INC COM 65339F101   254,667 3,985 SH   SOLE   0 0 3,985
INVESCO EXCHANGE TRADED FD T S&P 500 TOP 50 46137V233   2,903,280 68,912 SH   SOLE   0 0 68,912
SPDR SER TR S&P BIOTECH 78464A870   1,059,737 11,168 SH   SOLE   0 0 11,168
BLACKSTONE INC COM 09260D107   210,219 1,600 SH   SOLE   0 0 1,600
ISHARES TR CORE S&P500 ETF 464287200   20,067,782 38,171 SH   SOLE   0 0 38,171
VANGUARD INDEX FDS SML CP GRW ETF 922908595   18,890,136 72,454 SH   SOLE   0 0 72,454
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308   1,040,547 13,627 SH   SOLE   0 0 13,627
META PLATFORMS INC CL A 30303M102   1,908,444 3,930 SH   SOLE   0 0 3,930
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   43,749,132 258,305 SH   SOLE   0 0 258,305
ISHARES TR ISHARES SEMICDTR 464287523   740,824 3,279 SH   SOLE   0 0 3,279
HUBSPOT INC COM 443573100   945,479 1,509 SH   SOLE   0 0 1,509
CHEMED CORP NEW COM 16359R103   384,516 599 SH   SOLE   0 0 599
JPMORGAN CHASE & CO COM 46625H100   697,556 3,483 SH   SOLE   0 0 3,483
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   1,015,082 16,627 SH   SOLE   0 0 16,627
MODERNA INC COM 60770K107   1,167,684 10,958 SH   SOLE   0 0 10,958
COSTCO WHSL CORP NEW COM 22160K105   408,522 558 SH   SOLE   0 0 558
INVESCO EXCHANGE TRADED FD T S&P500 PUR GWT 46137V266   280,113 7,628 SH   SOLE   0 0 7,628
CHARLES RIV LABS INTL INC COM 159864107   230,308 850 SH   SOLE   0 0 850
GOLDMAN SACHS ETF TR ACTIVEBETA US LG 381430503   3,325,683 32,042 SH   SOLE   0 0 32,042
DYNATRACE INC COM NEW 268150109   595,268 12,818 SH   SOLE   0 0 12,818
WISDOMTREE TR INTL SMCAP DIV 97717W760   201,836 3,095 SH   SOLE   0 0 3,095
SPDR SER TR ICE PFD SEC ETF 78464A292   1,201,101 34,445 SH   SOLE   0 0 34,445
APPLE INC COM 037833100   11,764,702 68,607 SH   SOLE   0 0 68,607
VANGUARD WORLD FD INF TECH ETF 92204A702   3,328,548 6,348 SH   SOLE   0 0 6,348
ALPHABET INC CAP STK CL C 02079K107   1,086,537 7,136 SH   SOLE   0 0 7,136
SALESFORCE INC COM 79466L302   224,981 747 SH   SOLE   0 0 747
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706   631,989 10,794 SH   SOLE   0 0 10,794
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   74,851,260 1,627,201 SH   SOLE   0 0 1,627,201
VANGUARD INDEX FDS SM CP VAL ETF 922908611   21,048,994 109,699 SH   SOLE   0 0 109,699
ISHARES TR ASIA 50 ETF 464288430   744,008 12,255 SH   SOLE   0 0 12,255
GAMIDA CELL LTD SHS M47364100   925 25,629 SH   SOLE   0 0 25,629
ISHARES INC CORE MSCI EMKT 46434G103   515,571 9,992 SH   SOLE   0 0 9,992
GLOBE LIFE INC COM 37959E102   333,982 2,870 SH   SOLE   0 0 2,870
VANGUARD WORLD FD INDUSTRIAL ETF 92204A603   259,531 1,063 SH   SOLE   0 0 1,063
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   2,122,248 14,366 SH   SOLE   0 0 14,366
DIREXION SHS ETF TR DLY FIN BULL NEW 25459Y694   329,307 2,935 SH   SOLE   0 0 2,935
VANGUARD WORLD FD COMM SRVC ETF 92204A884   311,124 2,371 SH   SOLE   0 0 2,371
INVESCO EXCHANGE TRADED FD T S&P500 EQL IND 46137V324   377,386 7,910 SH   SOLE   0 0 7,910
GALLAGHER ARTHUR J & CO COM 363576109   308,549 1,234 SH   SOLE   0 0 1,234
ISHARES TR CONV BD ETF 46435G102   417,032 5,224 SH   SOLE   0 0 5,224
ISHARES TR EAFE SML CP ETF 464288273   1,707,114 26,956 SH   SOLE   0 0 26,956
KOPIN CORP COM 500600101   54,274 30,152 SH   SOLE   0 0 30,152
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   5,208,534 124,696 SH   SOLE   0 0 124,696
VANECK ETF TRUST LONG MUNI ETF 92189F536   1,801,144 100,008 SH   SOLE   0 0 100,008
VERIZON COMMUNICATIONS INC COM 92343V104   732,423 17,455 SH   SOLE   0 0 17,455
SPDR SER TR S&P METALS MNG 78464A755   328,422 5,448 SH   SOLE   0 0 5,448
AON PLC SHS CL A G0403H108   911,723 2,732 SH   SOLE   0 0 2,732
BENSON HILL INC COMMON STOCK 082490103   4,116 20,528 SH   SOLE   0 0 20,528
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   3,180,210 6,616 SH   SOLE   0 0 6,616
SPDR SER TR S&P 600 SMCP GRW 78464A201   6,446,861 73,906 SH   SOLE   0 0 73,906
SPDR SER TR NUVEEN BLMBRG SH 78468R739   3,284,804 69,241 SH   SOLE   0 0 69,241
VISA INC COM CL A 92826C839   811,576 2,908 SH   SOLE   0 0 2,908
TESLA INC COM 88160R101   1,188,828 6,763 SH   SOLE   0 0 6,763
PIMCO ETF TR INV GRD CRP BD 72201R817   9,950,007 103,592 SH   SOLE   0 0 103,592
INDEXIQ ETF TR IQ MRGR ARB ETF 45409B800   270,665 8,598 SH   SOLE   0 0 8,598
LOCKHEED MARTIN CORP COM 539830109   264,619 582 SH   SOLE   0 0 582
VANGUARD INDEX FDS LARGE CAP ETF 922908637   3,754,355 15,659 SH   SOLE   0 0 15,659
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   1,009,050 20,001 SH   SOLE   0 0 20,001
CUTERA INC COM 232109108   44,942 30,573 SH   SOLE   0 0 30,573
AMERICAN EXPRESS CO COM 025816109   1,611,944 7,080 SH   SOLE   0 0 7,080
ORACLE CORP COM 68389X105   752,593 5,992 SH   SOLE   0 0 5,992
WALMART INC COM 931142103   504,453 8,384 SH   SOLE   0 0 8,384
CISCO SYS INC COM 17275R102   587,558 11,772 SH   SOLE   0 0 11,772
VANECK ETF TRUST HIGH YLD MUNIETF 92189H409   1,133,905 21,697 SH   SOLE   0 0 21,697
VANECK ETF TRUST SHRT HGH YLD MUN 92189F387   994,668 44,385 SH   SOLE   0 0 44,385
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   973,201 2,314 SH   SOLE   0 0 2,314
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886   521,370 7,942 SH   SOLE   0 0 7,942
SPDR SER TR NUVEEN BLMBRG MU 78468R721   9,178,957 197,482 SH   SOLE   0 0 197,482
ADVANCED MICRO DEVICES INC COM 007903107   438,265 2,428 SH   SOLE   0 0 2,428
OMNICOM GROUP INC COM 681919106   292,022 3,018 SH   SOLE   0 0 3,018
ABBVIE INC COM 00287Y109   3,111,622 17,087 SH   SOLE   0 0 17,087
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   285,125 3,297 SH   SOLE   0 0 3,297
ISHARES TR CORE TOTAL USD 46434V613   527,476 11,570 SH   SOLE   0 0 11,570
AMPLIFY ETF TR CWP ENHANCED DIV 032108409   2,831,680 72,831 SH   SOLE   0 0 72,831
SPDR SER TR PRTFLO S&P500 VL 78464A508   15,596,396 311,305 SH   SOLE   0 0 311,305
INNOVATOR ETFS TRUST US EQTY BUFR JUN 45782C755   326,060 8,672 SH   SOLE   0 0 8,672
PFIZER INC COM 717081103   429,771 15,487 SH   SOLE   0 0 15,487
MERCK & CO INC COM 58933Y105   2,131,696 16,155 SH   SOLE   0 0 16,155
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109   597,833 1,503 SH   SOLE   0 0 1,503
INNOVATOR ETFS TRUST US EQTY BUF NOV 45782C581   450,918 12,359 SH   SOLE   0 0 12,359
ENTERPRISE PRODS PARTNERS L COM 293792107   825,735 28,298 SH   SOLE   0 0 28,298
AT&T INC COM 00206R102   577,459 32,810 SH   SOLE   0 0 32,810
ISHARES TR RUS MDCP VAL ETF 464287473   6,669,874 53,218 SH   SOLE   0 0 53,218
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   2,471,665 50,196 SH   SOLE   0 0 50,196
DISNEY WALT CO COM 254687106   638,269 5,216 SH   SOLE   0 0 5,216
SPDR INDEX SHS FDS S&P INTL SMLCP 78463X871   2,534,349 78,028 SH   SOLE   0 0 78,028
ANNALY CAPITAL MANAGEMENT IN COM NEW 035710839   215,921 10,966 SH   SOLE   0 0 10,966
QUANTUM CORP COM NEW 747906501   16,665 28,003 SH   SOLE   0 0 28,003
SPDR SER TR PORTFOLIO LN TSR 78464A664   24,546,673 878,550 SH   SOLE   0 0 878,550
BOEING CO COM 097023105   392,412 2,033 SH   SOLE   0 0 2,033
SENESTECH INC COM NEW 81720R505   43,918 64,348 SH   SOLE   0 0 64,348
ISHARES U S ETF TR BLACKROCK SHORT 46431W838   376,451 7,511 SH   SOLE   0 0 7,511
ISHARES TR IBOXX HI YD ETF 464288513   5,395,683 69,416 SH   SOLE   0 0 69,416
ISHARES TR 20 YR TR BD ETF 464287432   1,268,760 13,409 SH   SOLE   0 0 13,409
FIRST TR EXCHNG TRADED FD VI TCW UNCONSTRAI 33740F888   280,735 11,412 SH   SOLE   0 0 11,412
FEDEX CORP COM 31428X106   239,036 825 SH   SOLE   0 0 825
VANGUARD INDEX FDS SMALL CP ETF 922908751   10,581,138 46,289 SH   SOLE   0 0 46,289
SPDR SER TR MSCI USA STRTGIC 78468R812   2,020,948 13,877 SH   SOLE   0 0 13,877
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   189,256,682 3,049,576 SH   SOLE   0 0 3,049,576
SPDR SER TR S&P DIVID ETF 78464A763   217,397 1,656 SH   SOLE   0 0 1,656
ISHARES TR RUS 1000 GRW ETF 464287614   4,428,846 13,140 SH   SOLE   0 0 13,140
WISDOMTREE TR HEDGED HI YLD BD 97717W430   1,705,794 77,431 SH   SOLE   0 0 77,431
NUSHARES ETF TR NUVEEN ESG LRGVL 67092P300   329,572 8,481 SH   SOLE   0 0 8,481
SSGA ACTIVE ETF TR BLACKSTONE SENR 78467V608   709,975 16,860 SH   SOLE   0 0 16,860
CORNING INC COM 219350105   276,172 8,379 SH   SOLE   0 0 8,379
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   984,789 4,728 SH   SOLE   0 0 4,728
BROADCOM INC COM 11135F101   296,527 224 SH   SOLE   0 0 224
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   18,159,117 236,848 SH   SOLE   0 0 236,848
CINCINNATI FINL CORP COM 172062101   311,564 2,509 SH   SOLE   0 0 2,509
PROCTER AND GAMBLE CO COM 742718109   508,826 3,136 SH   SOLE   0 0 3,136
SPDR INDEX SHS FDS MSCI EAFE STRTGC 78463X434   731,377 9,612 SH   SOLE   0 0 9,612
NEWMARK GROUP INC CL A 65158N102   296,258 26,714 SH   SOLE   0 0 26,714
ISHARES TR RUS MD CP GR ETF 464287481   5,801,410 50,827 SH   SOLE   0 0 50,827
INVESCO EXCH TRADED FD TR II NATL AMT MUNI 46138E537   7,005,591 293,982 SH   SOLE   0 0 293,982
INVESCO EXCH TRADED FD TR II SR LN ETF 46138G508   6,847,417 323,755 SH   SOLE   0 0 323,755
INVESCO EXCH TRADED FD TR II PFD ETF 46138E511   7,969,015 670,793 SH   SOLE   0 0 670,793
SPDR SER TR PRTFLO S&P500 GW 78464A409   1,261,873 17,250 SH   SOLE   0 0 17,250
ISHARES TR SHRT NAT MUN ETF 464288158   2,679,784 25,588 SH   SOLE   0 0 25,588
TJX COS INC NEW COM 872540109   690,646 6,810 SH   SOLE   0 0 6,810
UNITED PARCEL SERVICE INC CL B 911312106   703,188 4,731 SH   SOLE   0 0 4,731
RTX CORPORATION COM 75513E101   342,026 3,507 SH   SOLE   0 0 3,507
SHELL PLC SPON ADS 780259305   311,736 4,650 SH   SOLE   0 0 4,650
CINTAS CORP COM 172908105   708,153 1,031 SH   SOLE   0 0 1,031
AMAZON COM INC COM 023135106   3,953,679 21,919 SH   SOLE   0 0 21,919
SCHWAB STRATEGIC TR US TIPS ETF 808524870   9,632,472 184,672 SH   SOLE   0 0 184,672
VANGUARD WORLD FD HEALTH CAR ETF 92204A504   366,552 1,355 SH   SOLE   0 0 1,355