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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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
INVESCO QQQ TRUST SERIES I ETF 46090E103   9,638,004 21,707 SH   SOLE   21,706 0 0
INVESCO WATER RESOURCES ETF ETF 46137V142   621,498 9,336 SH   SOLE   9,336 0 0
INVESCO WILDERHILL CLEAN ENERGY ETF ETF 46137V134   215,633 9,355 SH   SOLE   9,355 0 0
ISHARES MSCI EMERGING MARKETS ETF ETF 464287234   3,619,376 88,106 SH   SOLE   88,105 0 0
ISHARES MSCI KLD 400 SOCIAL ETF ETF 464288570   668,975 6,636 SH   SOLE   6,636 0 0
COLUMBIA U.S. ESG EQUITY INCOME ETF ETF 19761L300   1,318,417 29,605 SH   SOLE   29,605 0 0
SPDR S&P 500 ETF TRUST ETF 78462F103   10,790,830 20,630 SH   SOLE   20,629 0 0
FIDELITY VALUE FACTOR ETF ETF 316092782   25,567,129 448,153 SH   SOLE   448,153 0 0
MASTERCARD INCORPORATED CL A Stock 57636Q104   529,727 1,100 SH   SOLE   1,100 0 0
INNOVATIVE INDL PPTYS INC COM REIT 45781V101   358,559 3,463 SH   SOLE   3,463 0 0
NUVEEN ESG LARGE-CAP GROWTH ETF ETF 67092P201   561,116 7,356 SH   SOLE   7,356 0 0
NUVEEN ESG INTERNATIONAL DEVELOPED MARKETS EQUITY ETF ETF 67092P805   766,342 24,665 SH   SOLE   24,665 0 0
COLUMBIA EM CORE EX-CHINA ETF ETF 19762B202   23,361,885 751,186 SH   SOLE   751,186 0 0
SPDR GOLD SHARES ETF 78463V107   420,492 2,044 SH   SOLE   2,044 0 0
ISHARES MSCI CHINA A ETF ETF 46434V514   9,049,362 348,723 SH   SOLE   348,723 0 0
JPMORGAN ULTRA-SHORT INCOME ETF ULTRA SHORT INCOME FUND ETF 46641Q837   12,476,610 247,306 SH   SOLE   247,306 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW Stock 084670702   388,981 925 SH   SOLE   925 0 0
ALPHABET INC CAP STK CL A Stock 02079K305   423,510 2,806 SH   SOLE   2,806 0 0
MICROSOFT CORP COM Stock 594918104   541,258 1,287 SH   SOLE   1,286 0 0
JPMORGAN U.S. QUALITY FACTOR ETF US QUALITY FACTOR FUND ETF 46641Q761   11,871,165 224,535 SH   SOLE   224,535 0 0
VANGUARD FTSE EUROPE ETF ETF 922042874   1,169,157 17,362 SH   SOLE   17,362 0 0
SCHWAB U.S. LARGE-CAP VALUE ETF ETF 808524409   497,080 6,542 SH   SOLE   6,542 0 0
SCHWAB US TIPS ETF ETF 808524870   360,113 6,904 SH   SOLE   6,904 0 0
ISHARES IBONDS DEC 2026 TERM MUNI BOND ETF ETF 46435U259   904,108 35,665 SH   SOLE   35,665 0 0
INVESCO S&P 500 EQUAL WEIGHT ETF ETF 46137V357   13,359,567 78,878 SH   SOLE   78,878 0 0
ISHARES IBONDS DEC 2027 TERM MUNI BOND ETF ETF 46435U283   1,125,477 44,715 SH   SOLE   44,715 0 0
FREEDOM 100 EMERGING MARKETS ETF ETF 02072L607   1,583,421 46,944 SH   SOLE   46,944 0 0
INVESCO NASDAQ 100 ETF ETF 46138G649   12,713,214 69,589 SH   SOLE   69,589 0 0
VISA INC COM CL A Stock 92826C839   363,362 1,302 SH   SOLE   1,302 0 0
ISHARES MSCI EAFE MIN VOL FACTOR ETF ETF 46429B689   2,197,776 31,007 SH   SOLE   31,007 0 0
VANGUARD VALUE ETF ETF 922908744   6,212,946 38,149 SH   SOLE   38,149 0 0
INVESCO ESG NASDAQ 100 ETF ETF 46138G540   509,031 16,695 SH   SOLE   16,695 0 0
ISHARES CORE MSCI EAFE ETF ETF 46432F842   4,263,162 57,440 SH   SOLE   57,439 0 0
NVIDIA CORPORATION COM Stock 67066G104   414,553 459 SH   SOLE   458 0 0
CALVERT ULTRA-SHORT INVESTMENT GRADE ETF ETF 61774R601   425,818 8,456 SH   SOLE   8,456 0 0
INVESCO S&P GLOBAL WATER INDEX ETF ETF 46138E263   14,957,408 269,357 SH   SOLE   269,357 0 0
MCDONALDS CORP COM Stock 580135101   253,191 898 SH   SOLE   898 0 0
INVESCO LARGE CAP GROWTH ETF ETF 46137V746   2,218,668 24,848 SH   SOLE   24,848 0 0
ISHARES BIOTECHNOLOGY ETF ETF 464287556   208,163 1,517 SH   SOLE   1,517 0 0
SCHWAB FUNDAMENTAL US LARGE CO. INDEX ETF ETF 808524771   11,918,528 176,859 SH   SOLE   176,859 0 0
ISHARES MSCI USA MOMENTUM FACTOR ETF ETF 46432F396   402,240 2,147 SH   SOLE   2,147 0 0
PROSHARES S&P 500 DIVIDEND ARISTOCRATS ETF ETF 74348A467   15,574,446 153,579 SH   SOLE   153,579 0 0
ADMA BIOLOGICS INC COM Stock 000899104   128,066 19,404 SH   SOLE   19,404 0 0
ISHARES S&P 500 VALUE ETF ETF 464287408   802,349 4,295 SH   SOLE   4,295 0 0
ISHARES CORE S&P 500 ETF ETF 464287200   726,033 1,381 SH   SOLE   1,381 0 0
PITNEY BOWES INC COM Stock 724479100   107,289 24,778 SH   SOLE   24,778 0 0
TJX COS INC NEW COM Stock 872540109   202,840 2,000 SH   SOLE   2,000 0 0
FIRST TRUST RISING DIVIDEND ACHIEVERS ETF ETF 33738R506   1,400,374 24,931 SH   SOLE   24,931 0 0
ISHARES CORE S&P US VALUE ETF ETF 464287663   1,193,808 13,200 SH   SOLE   13,200 0 0
ISHARES 7-10 YEAR TREASURY BOND ETF ETF 464287440   591,625 6,250 SH   SOLE   6,250 0 0
ISHARES CORE DIVIDEND GROWTH ETF ETF 46434V621   24,220,252 417,159 SH   SOLE   417,159 0 0
WISDOMTREE INTERNATIONAL HEDGED QUALITY DIVIDEND GROWTH FUND ETF 97717X594   26,336,805 573,287 SH   SOLE   573,287 0 0
FIRST TRUST WATER ETF ETF 33733B100   4,087,982 40,039 SH   SOLE   40,039 0 0
SPDR PORTFOLIO S&P 500 VALUE ETF ETF 78464A508   19,561,495 390,449 SH   SOLE   390,449 0 0
FIRST TRUST LOW DURATION OPPORTUNITIES ETF ETF 33739Q200   12,142,932 251,667 SH   SOLE   251,666 0 0
ISHARES CHINA LARGE-CAP ETF ETF 464287184   451,649 18,764 SH   SOLE   18,764 0 0
ISHARES MSCI EAFE ETF ETF 464287465   24,004,389 300,581 SH   SOLE   300,580 0 0
APPLE INC COM Stock 037833100   1,053,423 6,143 SH   SOLE   6,143 0 0
ISHARES RUSSELL 1000 VALUE ETF ETF 464287598   11,208,540 62,579 SH   SOLE   62,579 0 0