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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
CION INVT CORP COM 17259U204 89 10,483 SH   SOLE SCHWAB 0 0 10,483
CION INVT CORP COM 17259U204 136 15,988 SH   SOLE CWM OVERSIGHT 0 0 15,988
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309 2,013 45,304 SH   SOLE CWM OVERSIGHT 0 0 45,304
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309 2,351 52,907 SH   SOLE SCHWAB 0 0 52,907
FIRST TR EXCHANGE TRADED FD INTL EQUITY OPP 33734X853 546 15,288 SH   SOLE CWM OVERSIGHT 0 0 15,288
FIRST TR EXCHANGE TRADED FD INTL EQUITY OPP 33734X853 947 26,519 SH   SOLE SCHWAB 0 0 26,519
GRANITESHARES ETF TR BBG COMMD K 1 38747R108 734 25,429 SH   SOLE SCHWAB 0 0 25,429
GRANITESHARES ETF TR BBG COMMD K 1 38747R108 911 31,540 SH   SOLE CWM OVERSIGHT 0 0 31,540
INNOVATOR ETFS TR US EQTY BUF SEP 45782C664 577 20,161 SH   SOLE CWM OVERSIGHT 0 0 20,161
INNOVATOR ETFS TR US EQTY BUF SEP 45782C664 898 31,384 SH   SOLE SCHWAB 0 0 31,384
ISHARES INC CORE MSCI EMKT 46434G103 350 8,143 SH   SOLE SCHWAB 0 0 8,143
ISHARES INC CORE MSCI EMKT 46434G103 503 11,713 SH   SOLE CWM OVERSIGHT 0 0 11,713
ISHARES INC JP MRG EM CRP BD 464286251 539 13,055 SH   SOLE CWM OVERSIGHT 0 0 13,055
ISHARES INC JP MRG EM CRP BD 464286251 606 14,660 SH   SOLE SCHWAB 0 0 14,660
ISHARES TR CONV BD ETF 46435G102 470 6,817 SH   SOLE CWM OVERSIGHT 0 0 6,817
ISHARES TR CONV BD ETF 46435G102 551 8,001 SH   SOLE SCHWAB 0 0 8,001
ISHARES TR CORE MSCI EAFE 46432F842 1,249 23,717 SH   SOLE CWM OVERSIGHT 0 0 23,717
ISHARES TR CORE MSCI EAFE 46432F842 860 16,327 SH   SOLE SCHWAB 0 0 16,327
ISHARES TR CORE S&P MCP ETF 464287507 1,748 7,970 SH   SOLE CWM OVERSIGHT 0 0 7,970
ISHARES TR CORE S&P MCP ETF 464287507 2,105 9,599 SH   SOLE SCHWAB 0 0 9,599
ISHARES TR CORE S&P SCP ETF 464287804 1,409 16,159 SH   SOLE SCHWAB 0 0 16,159
ISHARES TR CORE S&P SCP ETF 464287804 1,451 16,638 SH   SOLE CWM OVERSIGHT 0 0 16,638
ISHARES TR FALN ANGLS USD 46435G474 109 4,569 SH   SOLE SCHWAB 0 0 4,569
ISHARES TR FALN ANGLS USD 46435G474 232 9,698 SH   SOLE CWM OVERSIGHT 0 0 9,698
ISHARES TR MRGSTR MD CP GRW 464288307 2,002 39,731 SH   SOLE SCHWAB 0 0 39,731
ISHARES TR MRGSTR MD CP GRW 464288307 2,394 47,524 SH   SOLE CWM OVERSIGHT 0 0 47,524
ISHARES TR MSCI EAFE SMCP 46435G839 2,713 91,607 SH   SOLE SCHWAB 0 0 91,607
ISHARES TR MSCI EAFE SMCP 46435G839 3,750 126,595 SH   SOLE CWM OVERSIGHT 0 0 126,595
NATIXIS ETF TR LOOMIS SAYLES 63873X208 594 25,357 SH   SOLE CWM OVERSIGHT 0 0 25,357
NATIXIS ETF TR LOOMIS SAYLES 63873X208 209 8,924 SH   SOLE SCHWAB 0 0 8,924
PRINCIPAL EXCHANGE TRADED FD PRNCPL VLU ETF 74255Y300 423 11,506 SH   SOLE SCHWAB 0 0 11,506
PRINCIPAL EXCHANGE TRADED FD PRNCPL VLU ETF 74255Y300 838 22,823 SH   SOLE CWM OVERSIGHT 0 0 22,823
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755 1,939 77,084 SH   SOLE SCHWAB 0 0 77,084
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755 2,526 100,431 SH   SOLE CWM OVERSIGHT 0 0 100,431
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 1,576 23,731 SH   SOLE CWM OVERSIGHT 0 0 23,731
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 141 2,128 SH   SOLE SCHWAB 0 0 2,128
SCHWAB STRATEGIC TR US TIPS ETF 808524870 685 13,232 SH   SOLE SCHWAB 0 0 13,232
SCHWAB STRATEGIC TR US TIPS ETF 808524870 461 8,891 SH   SOLE CWM OVERSIGHT 0 0 8,891
SELECT SECTOR SPDR TR RL EST SEL SEC 81369Y860 1,215 33,746 SH   SOLE SCHWAB 0 0 33,746
SELECT SECTOR SPDR TR RL EST SEL SEC 81369Y860 1,346 37,371 SH   SOLE CWM OVERSIGHT 0 0 37,371
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100 402 5,916 SH   SOLE CWM OVERSIGHT 0 0 5,916
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100 320 4,703 SH   SOLE SCHWAB 0 0 4,703
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 4,704 151,552 SH   SOLE CWM OVERSIGHT 0 0 151,552
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 3,683 118,645 SH   SOLE SCHWAB 0 0 118,645
SPDR S&P 500 ETF TR TR UNIT 78462F103 3,144 8,802 SH   SOLE SCHWAB 0 0 8,802
SPDR S&P 500 ETF TR TR UNIT 78462F103 2,380 6,663 SH   SOLE CWM OVERSIGHT 0 0 6,663
SPDR SER TR PORTFOLIO SHORT 78464A474 4,636 158,662 SH   SOLE CWM OVERSIGHT 0 0 158,662
SPDR SER TR PORTFOLIO SHORT 78464A474 5,122 175,287 SH   SOLE SCHWAB 0 0 175,287
SPDR SER TR S&P 400 MDCP VAL 78464A839 1,071 18,523 SH   SOLE SCHWAB 0 0 18,523
SPDR SER TR S&P 400 MDCP VAL 78464A839 732 12,654 SH   SOLE CWM OVERSIGHT 0 0 12,654
SSGA ACTIVE ETF TR BLACKSTONE SENR 78467V608 1,278 31,277 SH   SOLE CWM OVERSIGHT 0 0 31,277
SSGA ACTIVE ETF TR BLACKSTONE SENR 78467V608 1,743 42,641 SH   SOLE SCHWAB 0 0 42,641
VANECK ETF TRUST FALLEN ANGEL HG 92189F437 438 16,707 SH   SOLE SCHWAB 0 0 16,707
VANECK ETF TRUST FALLEN ANGEL HG 92189F437 268 10,228 SH   SOLE CWM OVERSIGHT 0 0 10,228
VANGUARD ADMIRAL FDS INC SMLCP 600 GRTH 921932794 488 2,785 SH   SOLE SCHWAB 0 0 2,785
VANGUARD ADMIRAL FDS INC SMLCP 600 GRTH 921932794 531 3,033 SH   SOLE CWM OVERSIGHT 0 0 3,033
VANGUARD INDEX FDS GROWTH ETF 922908736 10,491 49,035 SH   SOLE CWM OVERSIGHT 0 0 49,035
VANGUARD INDEX FDS GROWTH ETF 922908736 7,730 36,130 SH   SOLE SCHWAB 0 0 36,130
VANGUARD INDEX FDS MID CAP ETF 922908629 1,578 8,393 SH   SOLE SCHWAB 0 0 8,393
VANGUARD INDEX FDS MID CAP ETF 922908629 1,636 8,703 SH   SOLE CWM OVERSIGHT 0 0 8,703
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 1,156 3,521 SH   SOLE SCHWAB 0 0 3,521
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 2,501 7,618 SH   SOLE CWM OVERSIGHT 0 0 7,618
VANGUARD INDEX FDS SM CP VAL ETF 922908611 2,248 15,679 SH   SOLE SCHWAB 0 0 15,679
VANGUARD INDEX FDS SM CP VAL ETF 922908611 1,878 13,094 SH   SOLE CWM OVERSIGHT 0 0 13,094
VANGUARD INDEX FDS SMALL CP ETF 922908751 1,386 8,109 SH   SOLE SCHWAB 0 0 8,109
VANGUARD INDEX FDS SMALL CP ETF 922908751 1,462 8,556 SH   SOLE CWM OVERSIGHT 0 0 8,556
VANGUARD INDEX FDS VALUE ETF 922908744 7,952 64,401 SH   SOLE SCHWAB 0 0 64,401
VANGUARD INDEX FDS VALUE ETF 922908744 6,125 49,607 SH   SOLE CWM OVERSIGHT 0 0 49,607
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 1,036 28,486 SH   SOLE SCHWAB 0 0 28,486
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 2,406 66,173 SH   SOLE CWM OVERSIGHT 0 0 66,173
VANGUARD WORLD FDS MATERIALS ETF 92204A801 700 4,715 SH   SOLE SCHWAB 0 0 4,715
VANGUARD WORLD FDS MATERIALS ETF 92204A801 510 3,433 SH   SOLE CWM OVERSIGHT 0 0 3,433
WHEELS UP EXPERIENCE INC COM CL A 96328L106 20 17,042 SH   SOLE CWM OVERSIGHT 0 0 17,042
WISDOMTREE TR ITL HDG QTLY DIV 97717X594 2,029 56,539 SH   SOLE CWM OVERSIGHT 0 0 56,539
WISDOMTREE TR ITL HDG QTLY DIV 97717X594 1,022 28,465 SH   SOLE SCHWAB 0 0 28,465