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
FIDELITY COVINGTON TRUST MSCI RL EST ETF 316092857 5,794 166,881 SH   SOLE   0 0 166,881
FIRST TR EXCHANGE TRADED FD INTL EQUITY OPP 33734X853 2,139 37,113 SH   SOLE   0 0 37,113
INNOVATOR ETFS TR US EQTY BUF SEP 45782C664 1,510 45,217 SH   SOLE   0 0 45,217
INVESCO ACTIVELY MANAGED ETF TOTAL RETURN 46090A804 4,319 76,636 SH   SOLE   0 0 76,636
ISHARES INC CORE MSCI EMKT 46434G103 1,425 23,815 SH   SOLE   0 0 23,815
ISHARES INC JP MRG EM CRP BD 464286251 906 17,773 SH   SOLE   0 0 17,773
ISHARES TR CONV BD ETF 46435G102 1,288 14,441 SH   SOLE   0 0 14,441
ISHARES TR CORE MSCI EAFE 46432F842 2,939 39,389 SH   SOLE   0 0 39,389
ISHARES TR CORE S&P MCP ETF 464287507 5,227 18,466 SH   SOLE   0 0 18,466
ISHARES TR CORE S&P SCP ETF 464287804 2,891 25,248 SH   SOLE   0 0 25,248
ISHARES TR CORE S&P TTL STK 464287150 666 6,230 SH   SOLE   0 0 6,230
ISHARES TR EAFE SML CP ETF 464288273 2,557 34,983 SH   SOLE   0 0 34,983
ISHARES TR FALN ANGLS USD 46435G474 271 9,064 SH   SOLE   0 0 9,064
ISHARES TR MRGSTR MD CP GRW 464288307 3,666 50,050 SH   SOLE   0 0 50,050
ISHARES TR MSCI EAFE SMCP 46435G839 1,239 33,649 SH   SOLE   0 0 33,649
RPM INTL INC COM 749685103 210 2,080 SH   SOLE   0 0 2,080
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755 3,797 116,813 SH   SOLE   0 0 116,813
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 1,203 14,873 SH   SOLE   0 0 14,873
SCHWAB STRATEGIC TR US TIPS ETF 808524870 1,488 23,653 SH   SOLE   0 0 23,653
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100 729 8,053 SH   SOLE   0 0 8,053
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 5,867 141,408 SH   SOLE   0 0 141,408
SPDR S&P 500 ETF TR TR UNIT 78462F103 8,025 16,896 SH   SOLE   0 0 16,896
SPDR SER TR S&P 400 MDCP VAL 78464A839 2,831 39,808 SH   SOLE   0 0 39,808
SPDR SER TR S&P 600 SMCP VAL 78464A300 363 4,293 SH   SOLE   0 0 4,293
SSGA ACTIVE ETF TR BLACKSTONE SENR 78467V608 3,243 71,078 SH   SOLE   0 0 71,078
VANECK ETF TRUST FALLEN ANGEL HG 92189F437 655 19,862 SH   SOLE   0 0 19,862
VANGUARD INDEX FDS GROWTH ETF 922908736 21,756 67,795 SH   SOLE   0 0 67,795
VANGUARD INDEX FDS MID CAP ETF 922908629 3,082 12,098 SH   SOLE   0 0 12,098
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 235 2,028 SH   SOLE   0 0 2,028
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 3,264 7,475 SH   SOLE   0 0 7,475
VANGUARD INDEX FDS SM CP VAL ETF 922908611 5,371 30,037 SH   SOLE   0 0 30,037
VANGUARD INDEX FDS SMALL CP ETF 922908751 4,141 18,319 SH   SOLE   0 0 18,319
VANGUARD INDEX FDS SML CP GRW ETF 922908595 607 2,155 SH   SOLE   0 0 2,155
VANGUARD INDEX FDS VALUE ETF 922908744 17,130 116,447 SH   SOLE   0 0 116,447
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 11,469 141,153 SH   SOLE   0 0 141,153
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 1,967 38,515 SH   SOLE   0 0 38,515
VANGUARD WORLD FDS MATERIALS ETF 92204A801 7,823 39,737 SH   SOLE   0 0 39,737
WHEELS UP EXPERIENCE INC COM CL A 96328L106 79 17,042 SH   SOLE   0 0 17,042
WISDOMTREE TR ITL HDG QTLY DIV 97717X594 522 11,415 SH   SOLE   0 0 11,415