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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ALPHABET INC CAP STK CL A 02079K305 232 83 SH   SOLE   0 0 83
ALPS ETF TR ALERIAN ENERGY 00162Q676 627 27,610 SH   SOLE   0 0 27,610
AMAZON COM INC COM 023135106 493 151 SH   SOLE   0 0 151
APPLE INC COM 037833100 3,518 20,150 SH   SOLE   0 0 20,150
BK OF AMERICA CORP COM 060505104 259 6,288 SH   SOLE   0 0 6,288
DBX ETF TR XTRACK MSCI EAFE 233051200 35,293 935,909 SH   SOLE   0 0 935,909
FIDELITY COVINGTON TRUST MSCI RL EST ETF 316092857 282 8,721 SH   SOLE   0 0 8,721
FIRST TR EXCHANGE TRADED FD INTL EQUITY OPP 33734X853 279 5,719 SH   SOLE   0 0 5,719
GLOBAL X FDS US PFD ETF 37954Y657 3,552 151,155 SH   SOLE   0 0 151,155
HOME DEPOT INC COM 437076102 459 1,532 SH   SOLE   0 0 1,532
INVESCO EXCH TRADED FD TR II S&P EMRNG MKTS 46138E297 7,088 274,398 SH   SOLE   0 0 274,398
INVESCO EXCH TRADED FD TR II EMRNG MKT SVRG 46138E784 713 31,520 SH   SOLE   0 0 31,520
INVESCO EXCH TRADED FD TR II PFD ETF 46138E511 184 13,586 SH   SOLE   0 0 13,586
INVESCO EXCHANGE TRADED FD T S&P500 EQL HLT 46137V332 10,026 32,718 SH   SOLE   0 0 32,718
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 405 2,571 SH   SOLE   0 0 2,571
INVESCO QQQ TR UNIT SER 1 46090E103 3,242 8,942 SH   SOLE   0 0 8,942
ISHARES TR 0-5 YR TIPS ETF 46429B747 13,426 127,937 SH   SOLE   0 0 127,937
ISHARES TR IBOXX HI YD ETF 464288513 246 2,989 SH   SOLE   0 0 2,989
ISHARES TR US HLTHCARE ETF 464287762 1,834 6,351 SH   SOLE   0 0 6,351
ISHARES TR ISHARES BIOTECH 464287556 511 3,921 SH   SOLE   0 0 3,921
ISHARES TR S&P SML 600 GWT 464287887 289 2,309 SH   SOLE   0 0 2,309
ISHARES TR RUS 1000 VAL ETF 464287598 258 1,557 SH   SOLE   0 0 1,557
ISHARES TR PFD AND INCM SEC 464288687 1,109 30,458 SH   SOLE   0 0 30,458
ISHARES TR S&P 500 GRWT ETF 464287309 431 5,644 SH   SOLE   0 0 5,644
ISHARES TR CORE S&P SCP ETF 464287804 526 4,874 SH   SOLE   0 0 4,874
ISHARES TR MSCI EAFE MIN VL 46429B689 274 3,805 SH   SOLE   0 0 3,805
ISHARES TR S&P 500 VAL ETF 464287408 506 3,248 SH   SOLE   0 0 3,248
J P MORGAN EXCHANGE-TRADED F HIGH YLD RESRCH 46641Q878 19,165 391,859 SH   SOLE   0 0 391,859
MCDONALDS CORP COM 580135101 11,650 47,114 SH   SOLE   0 0 47,114
MEDICAL PPTYS TRUST INC COM 58463J304 1,260 59,625 SH   SOLE   0 0 59,625
META PLATFORMS INC CL A 30303M102 639 2,875 SH   SOLE   0 0 2,875
OMEGA HEALTHCARE INVS INC COM 681936100 1,631 52,337 SH   SOLE   0 0 52,337
PALATIN TECHNOLOGIES INC COM PAR $ .01 696077403 6 13,447 SH   SOLE   0 0 13,447
PIMCO ETF TR 0-5 HIGH YIELD 72201R783 1,586 16,483 SH   SOLE   0 0 16,483
SCHWAB CHARLES FAMILY FD AMT TAX FREE MNY 808515530 9,339 9,338,764 SH   SOLE   0 0 9,338,764
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 17,918 645,221 SH   SOLE   0 0 645,221
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 17,663 236,076 SH   SOLE   0 0 236,076
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 43,060 603,161 SH   SOLE   0 0 603,161
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 24,091 508,673 SH   SOLE   0 0 508,673
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 640 8,114 SH   SOLE   0 0 8,114
SPDR INDEX SHS FDS ASIA PACIF ETF 78463X301 6,191 56,351 SH   SOLE   0 0 56,351
SPDR SER TR S&P 600 SMCP GRW 78464A201 7,433 88,667 SH   SOLE   0 0 88,667
SPDR SER TR ICE PFD SEC ETF 78464A292 548 14,051 SH   SOLE   0 0 14,051
SPDR SER TR BLOOMBERG EMERGI 78464A391 2,104 92,572 SH   SOLE   0 0 92,572
SSGA ACTIVE ETF TR BLACKSTONE SENR 78467V608 12,522 278,512 SH   SOLE   0 0 278,512
TESLA INC COM 88160R101 388 360 SH   SOLE   0 0 360
VANECK ETF TRUST PREFERRED SECURT 92189F429 5,533 269,401 SH   SOLE   0 0 269,401
VANECK ETF TRUST HIGH YLD MUNIETF 92189H409 1,986 34,605 SH   SOLE   0 0 34,605
VANGUARD INDEX FDS GROWTH ETF 922908736 302 1,051 SH   SOLE   0 0 1,051
VANGUARD WHITEHALL FDS EMERG MKT BD ETF 921946885 1,108 15,863 SH   SOLE   0 0 15,863
WELLTOWER INC COM 95040Q104 3,396 35,324 SH   SOLE   0 0 35,324