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
AB ACTIVE ETFS INC TAX AWARE SHRT 00039J202 BBG0184H3201 1,019,331 40,627 SH   SOLE   0 0 40,627
ABBOTT LABS COM 002824100 BBG001S5N9M6 2,947,085 22,217 SH   SOLE   0 0 22,217
ALIBABA GROUP HLDG LTD SPONSORED ADS 01609W102 BBG006G2JWB1 1,215,590 9,193 SH   SOLE   0 0 9,193
APPLE INC COM 037833100 BBG001S5N8V8 832,765 3,749 SH   SOLE   0 0 3,749
BAIDU INC SPON ADR REP A 056752108 BBG001SNBKD5 1,870,050 20,320 SH   SOLE   0 0 20,320
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 BBG001S90346 201,315 378 SH   SOLE   0 0 378
BILL HOLDINGS INC COM 090043100 BBG00QVJV7L3 916,423 19,970 SH   SOLE   0 0 19,970
CONSOLIDATED EDISON INC COM 209115104 BBG001S5QRL4 2,115,366 19,128 SH   SOLE   0 0 19,128
DOCUSIGN INC COM 256163106 BBG001T535D5 583,557 7,169 SH   SOLE   0 0 7,169
ECOLAB INC COM 278865100 BBG001S5QRB5 2,072,019 8,173 SH   SOLE   0 0 8,173
ENOVIX CORPORATION COM 293594107 BBG00YC538B7 436,238 59,433 SH   SOLE   0 0 59,433
EXXON MOBIL CORP COM 30231G102 BBG001S69V32 415,541 3,494 SH   SOLE   0 0 3,494
FIDELITY NATL INFORMATION SV COM 31620M106 BBG001S8SWQ0 4,315,533 57,787 SH   SOLE   0 0 57,787
GILEAD SCIENCES INC COM 375558103 BBG001S6Y1X7 2,893,355 25,822 SH   SOLE   0 0 25,822
HIPPO HLDGS INC COM NEW 433539202 BBG00YRW9292 469,026 18,350 SH   SOLE   0 0 18,350
INDEPENDENCE RLTY TR INC COM 45378A106 BBG004Q00LJ5 222,660 10,488 SH   SOLE   0 0 10,488
INTEL CORP COM 458140100 BBG001S5SF65 530,279 23,350 SH   SOLE   0 0 23,350
INVESCO DB MULTI-SECTOR COMM OIL FD 46140H403 BBG001SSDLM0 1,622,199 113,203 SH   SOLE   0 0 113,203
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354 BBG001V18CG8 8,755,764 117,181 SH   SOLE   0 0 117,181
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 BBG00KJR2NN7 5,527,250 31,907 SH   SOLE   0 0 31,907
INVESCO QQQ TR UNIT SER 1 46090E103 BBG001S9GN63 10,315,302 21,998 SH   SOLE   0 0 21,998
ISHARES INC MSCI MLY ETF NEW 46434G814 BBG001S8SYP7 430,096 18,635 SH   SOLE   0 0 18,635
ISHARES INC MSCI STH KOR ETF 464286772 BBG001SF9FC7 307,704 5,694 SH   SOLE   0 0 5,694
ISHARES TR AGENCY BOND ETF 464288166 BBG001T2RRQ4 2,801,883 25,602 SH   SOLE   0 0 25,602
ISHARES TR CHINA LG-CAP ETF 464287184 BBG001SMDNB1 4,559,027 127,205 SH   SOLE   0 0 127,205
ISHARES TR MSCI DENMARK ETF 46429B523 BBG002DW4Q17 396,680 3,819 SH   SOLE   0 0 3,819
ISHARES TR MSCI EAFE ETF 464287465 BBG001SG09V7 8,245,740 100,890 SH   SOLE   0 0 100,890
ISHARES TR MSCI EMG MKT ETF 464287234 BBG001SK77D5 12,544,391 287,057 SH   SOLE   0 0 287,057
ISHARES TR MSCI INTL QUALTY 46434V456 BBG007WGM3H4 3,844,731 96,869 SH   SOLE   0 0 96,869
ISHARES TR MSCI USA MIN VOL 46429B697 BBG0025X2G81 285,757 3,051 SH   SOLE   0 0 3,051
ISHARES TR MSCI USA QLT FCT 46432F339 BBG004TRTWW3 3,709,851 21,709 SH   SOLE   0 0 21,709
ISHARES TR RUSSELL 2000 ETF 464287655 BBG001SFC7Y7 7,689,542 38,546 SH   SOLE   0 0 38,546
ISHARES TR RUSSELL 3000 ETF 464287689 BBG001SFC7Z6 356,105 1,121 SH   SOLE   0 0 1,121
J P MORGAN EXCHANGE TRADED F ULTRA SHRT ETF 46641Q837 BBG00GP26NW0 36,832,717 727,488 SH   SOLE   0 0 727,488
JD.COM INC SPON ADS CL A 47215P106 BBG005YHY0R6 3,146,215 76,513 SH   SOLE   0 0 76,513
KROGER CO COM 501044101 BBG001S5SN40 2,907,556 42,954 SH   SOLE   0 0 42,954
LEMONADE INC COM 52567D107 BBG00BM5YC14 545,059 17,342 SH   SOLE   0 0 17,342
MASTERCARD INCORPORATED CL A 57636Q104 BBG001SKNNS6 237,884 434 SH   SOLE   0 0 434
MOLSON COORS BEVERAGE CO CL B 60871R209 BBG001S5VQ21 4,147,438 68,136 SH   SOLE   0 0 68,136
NEW YORK LIFE INVTS ACTIVE E NYLI MACKAY MUNI 45409F843 BBG00HZ6Q4L0 3,615,414 153,001 SH   SOLE   0 0 153,001
OKTA INC CL A 679295105 BBG001YV1SN3 584,287 5,553 SH   SOLE   0 0 5,553
PAYPAL HLDGS INC COM 70450Y103 BBG0077VNXW5 583,531 8,943 SH   SOLE   0 0 8,943
PFIZER INC COM 717081103 BBG001S5V466 2,268,259 89,513 SH   SOLE   0 0 89,513
PROCTER AND GAMBLE CO COM 742718109 BBG001S5V4L9 2,917,036 17,117 SH   SOLE   0 0 17,117
ROKU INC COM CL A 77543R102 BBG001ZZPQM2 1,248,690 17,727 SH   SOLE   0 0 17,727
RTX CORPORATION COM 75513E101 BBG001S5X5Q9 273,530 2,065 SH   SOLE   0 0 2,065
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852 BBG00L5F9FV7 3,898,798 40,423 SH   SOLE   0 0 40,423
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308 BBG001S7T107 1,914,263 23,439 SH   SOLE   0 0 23,439
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886 BBG001S7TD56 6,050,082 76,729 SH   SOLE   0 0 76,729
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 BBG001S7TCZ5 2,812,051 13,619 SH   SOLE   0 0 13,619
SIMPLIFY EXCHANGE TRADED FUN DOWNSIDE INTERES 82889N376 BBG01R34DQV1 20,805,990 388,897 SH   SOLE   0 0 388,897
SPDR S&P 500 ETF TR TR UNIT 78462F103 BBG001S72SM3 23,637,923 42,257 SH   SOLE   0 0 42,257
VANECK ETF TRUST PHARMACEUTCL ETF 92189F692 BBG001S73GG5 1,542,193 16,923 SH   SOLE   0 0 16,923
VANECK ETF TRUST SEMICONDUCTR ETF 92189F676 BBG002D68GN8 2,034,341 9,620 SH   SOLE   0 0 9,620
VANECK ETF TRUST VANECK SHRT MUNI 92189F528 BBG001SSZW79 291,809 17,030 SH   SOLE   0 0 17,030
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 BBG001TC6MC1 3,736,640 7,271 SH   SOLE   0 0 7,271
VANGUARD INDEX FDS SML CP GRW ETF 922908595 BBG001SHTTW9 2,470,367 9,812 SH   SOLE   0 0 9,812
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 BBG001T62M92 6,332,931 106,615 SH   SOLE   0 0 106,615
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 BBG001SS0V24 223,488 1,733 SH   SOLE   0 0 1,733