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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ALPHABET INC CAP STK CL A 02079K305 214 74 SH   SOLE   0 0 74
ALPS ETF TR ALERIAN ENERGY 00162Q676 508 26,809 SH   SOLE   0 0 26,809
AMAZON COM INC COM 023135106 490 147 SH   SOLE   0 0 147
APPLE INC COM 037833100 3,662 20,622 SH   SOLE   0 0 20,622
BK OF AMERICA CORP COM 060505104 302 6,797 SH   SOLE   0 0 6,797
CHIPOTLE MEXICAN GRILL INC COM 169656105 210 120 SH   SOLE   0 0 120
DBX ETF TR XTRACK MSCI EAFE 233051200 33,316 848,382 SH   SOLE   0 0 848,382
FIDELITY COVINGTON TRUST MSCI CONSM DIS 316092204 381 4,316 SH   SOLE   0 0 4,316
FIRST TR EXCHANGE TRADED FD INTL EQUITY OPP 33734X853 329 5,717 SH   SOLE   0 0 5,717
GLOBAL X FDS US PFD ETF 37954Y657 2,416 93,792 SH   SOLE   0 0 93,792
HOME DEPOT INC COM 437076102 633 1,526 SH   SOLE   0 0 1,526
INVESCO EXCH TRADED FD TR II S&P EMRNG MKTS 46138E297 6,464 260,741 SH   SOLE   0 0 260,741
INVESCO EXCH TRADED FD TR II EMRNG MKT SVRG 46138E784 825 31,294 SH   SOLE   0 0 31,294
INVESCO EXCH TRADED FD TR II PFD ETF 46138E511 199 13,252 SH   SOLE   0 0 13,252
INVESCO EXCHANGE TRADED FD T S&P500 EQL HLT 46137V332 8,267 25,794 SH   SOLE   0 0 25,794
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 417 2,564 SH   SOLE   0 0 2,564
INVESCO QQQ TR UNIT SER 1 46090E103 3,000 7,540 SH   SOLE   0 0 7,540
ISHARES INC CORE MSCI EMKT 46434G103 213 3,564 SH   SOLE   0 0 3,564
ISHARES TR 0-5 YR TIPS ETF 46429B747 14,415 136,149 SH   SOLE   0 0 136,149
ISHARES TR IBOXX HI YD ETF 464288513 260 2,989 SH   SOLE   0 0 2,989
ISHARES TR US HLTHCARE ETF 464287762 1,667 5,551 SH   SOLE   0 0 5,551
ISHARES TR ISHARES BIOTECH 464287556 589 3,861 SH   SOLE   0 0 3,861
ISHARES TR S&P SML 600 GWT 464287887 320 2,309 SH   SOLE   0 0 2,309
ISHARES TR RUS 1000 VAL ETF 464287598 261 1,555 SH   SOLE   0 0 1,555
ISHARES TR PFD AND INCM SEC 464288687 1,197 30,369 SH   SOLE   0 0 30,369
ISHARES TR S&P 500 GRWT ETF 464287309 464 5,550 SH   SOLE   0 0 5,550
ISHARES TR CORE S&P SCP ETF 464287804 543 4,745 SH   SOLE   0 0 4,745
ISHARES TR MSCI EAFE MIN VL 46429B689 332 4,325 SH   SOLE   0 0 4,325
ISHARES TR S&P 500 VAL ETF 464287408 451 2,878 SH   SOLE   0 0 2,878
ISHARES TR NATIONAL MUN ETF 464288414 205 1,767 SH   SOLE   0 0 1,767
J P MORGAN EXCHANGE-TRADED F HIGH YLD RESRCH 46641Q878 17,528 338,574 SH   SOLE   0 0 338,574
LOWES COS INC COM 548661107 214 828 SH   SOLE   0 0 828
MCDONALDS CORP COM 580135101 11,621 43,351 SH   SOLE   0 0 43,351
MEDICAL PPTYS TRUST INC COM 58463J304 1,353 57,271 SH   SOLE   0 0 57,271
META PLATFORMS INC CL A 30303M102 953 2,832 SH   SOLE   0 0 2,832
OMEGA HEALTHCARE INVS INC COM 681936100 706 23,847 SH   SOLE   0 0 23,847
PALATIN TECHNOLOGIES INC COM PAR $ .01 696077403 7 13,447 SH   SOLE   0 0 13,447
PIMCO ETF TR 0-5 HIGH YIELD 72201R783 1,629 16,440 SH   SOLE   0 0 16,440
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 14,479 488,839 SH   SOLE   0 0 488,839
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 15,317 93,537 SH   SOLE   0 0 93,537
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 39,685 542,003 SH   SOLE   0 0 542,003
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 23,130 225,880 SH   SOLE   0 0 225,880
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 654 8,086 SH   SOLE   0 0 8,086
SCHWAB STRATEGIC TR US REIT ETF 808524847 201 3,818 SH   SOLE   0 0 3,818
SPDR INDEX SHS FDS ASIA PACIF ETF 78463X301 8,041 66,170 SH   SOLE   0 0 66,170
SPDR SER TR S&P 600 SMCP GRW 78464A201 7,732 83,299 SH   SOLE   0 0 83,299
SPDR SER TR ICE PFD SEC ETF 78464A292 573 13,351 SH   SOLE   0 0 13,351
SPDR SER TR BLOOMBERG EMERGI 78464A391 2,214 90,593 SH   SOLE   0 0 90,593
SPDR SER TR PORTFLI INTRMDIT 78464A672 268 8,376 SH   SOLE   0 0 8,376
SSGA ACTIVE ETF TR BLACKSTONE SENR 78467V608 5,316 116,508 SH   SOLE   0 0 116,508
TESLA INC COM 88160R101 380 360 SH   SOLE   0 0 360
VANECK ETF TRUST PREFERRED SECURT 92189F429 3,403 155,551 SH   SOLE   0 0 155,551
VANECK ETF TRUST HIGH YLD MUNIETF 92189H409 2,125 34,040 SH   SOLE   0 0 34,040
VANGUARD INDEX FDS GROWTH ETF 922908736 337 1,051 SH   SOLE   0 0 1,051
WELLTOWER INC COM 95040Q104 3,028 35,301 SH   SOLE   0 0 35,301