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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ALPS ETF TR RIVRFRNT STR INC 00162Q783 BBG005CZ6C31 1,345,409 59,243 SH   SOLE   0 0 59,243
APPLE INC COM 037833100 BBG001S5N8V8 1,018,343 5,250 SH   SOLE   0 0 5,250
BOOKING HOLDINGS INC COM 09857L108 BBG001S89N72 491,460 182 SH   SOLE   0 0 182
CHIPOTLE MEXICAN GRILL INC COM 169656105 BBG001SP50B3 556,140 260 SH   SOLE   0 0 260
EXXON MOBIL CORP COM 30231G102 BBG001S69V32 246,675 2,300 SH   SOLE   0 0 2,300
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309 BBG0078X1341 8,846,999 194,782 SH   SOLE   9 0 194,773
FIRST TR EXCHANGE-TRADED FD SENIOR LN FD 33738D309 BBG004HQLXB7 2,060,063 45,476 SH   SOLE   0 0 45,476
FLEXSHARES TR MORNSTAR UPSTR 33939L407 BBG00243P8S9 11,801,978 294,534 SH   SOLE   0 0 294,534
INNOVATOR ETFS TR LADDERED ALC BFR 45783Y756 BBG0154NXX67 2,006,996 76,799 SH   SOLE   0 0 76,799
INNOVATOR ETFS TR US EQTY BUF SEP 45782C664 BBG00Q4023H0 1,649,887 47,890 SH   SOLE   0 0 47,890
INVESCO QQQ TR UNIT SER 1 46090E103 BBG001S9GN63 480,985 1,302 SH   SOLE   0 0 1,302
ISHARES INC CORE MSCI EMKT 46434G103 BBG003HC3DG9 329,109 6,677 SH   SOLE   0 0 6,677
ISHARES INC JP MRG EM CRP BD 464286251 BBG002WGKJD6 272,104 6,274 SH   SOLE   0 0 6,274
ISHARES TR CONV BD ETF 46435G102 BBG009BKDMM6 2,543,933 33,315 SH   SOLE   0 0 33,315
ISHARES TR CORE S&P MCP ETF 464287507 BBG001SFC7V0 877,004 3,354 SH   SOLE   0 0 3,354
ISHARES TR CORE S&P SCP ETF 464287804 BBG001SFC7W9 258,493 2,594 SH   SOLE   0 0 2,594
ISHARES TR FALN ANGLS USD 46435G474 BBG00D332C84 3,314,134 130,632 SH   SOLE   12 0 130,620
ISHARES TR MRGSTR MD CP GRW 464288307 BBG001SBRK44 9,615,906 157,793 SH   SOLE   11 0 157,782
ISHARES TR MSCI EAFE SMCP 46435G839 BBG009HYWS37 6,782,615 238,362 SH   SOLE   15 0 238,347
MICROSOFT CORP COM 594918104 BBG001S5TD05 533,285 1,566 SH   SOLE   0 0 1,566
NATIXIS ETF TR LOOMIS SAYLES 63873X208 BBG00JM7QWH1 494,602 21,029 SH   SOLE   0 0 21,029
NVIDIA CORPORATION COM 67066G104 BBG001S5TZJ6 1,307,132 3,090 SH   SOLE   0 0 3,090
PEAKSTONE REALTY TRUST COMMON SHARES 39818P799 BBG00XTV8H01 939,145 33,637 SH   SOLE   841 0 32,796
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755 BBG0051K49J8 9,709,313 300,691 SH   SOLE   19 0 300,672
SELECT SECTOR SPDR TR RL EST SEL SEC 81369Y860 BBG00B597137 6,832,632 181,285 SH   SOLE   0 0 181,285
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 BBG001SRXRD7 13,010,733 378,439 SH   SOLE   25 0 378,414
SPDR INDEX SHS FDS S&P NORTH AMER 78463X152 BBG00BNK9JD0 286,087 5,554 SH   SOLE   0 0 5,554
SPDR S&P 500 ETF TR TR UNIT 78462F103 BBG001S72SM3 5,698,365 12,855 SH   SOLE   2 0 12,853
SPDR SER TR BLOOMBERG 1 10 Y 78468R861 BBG004MKB438 1,216,533 65,901 SH   SOLE   0 0 65,901
SPDR SER TR PORTFOLIO SHORT 78464A474 BBG001T6B0P2 14,631,297 496,987 SH   SOLE   10 0 496,977
SPDR SER TR S&P 400 MDCP VAL 78464A839 BBG001SPTBM1 4,442,913 64,596 SH   SOLE   6 0 64,590
THERMO FISHER SCIENTIFIC INC COM 883556102 BBG001S5WS08 351,660 674 SH   SOLE   0 0 674
VANECK ETF TRUST FALLEN ANGEL HG 92189F437 BBG002VZY7Y3 800,692 28,833 SH   SOLE   0 0 28,833
VANGUARD ADMIRAL FDS INC SMLCP 600 GRTH 921932794 BBG001TC6MT3 1,044,725 10,540 SH   SOLE   0 0 10,540
VANGUARD INDEX FDS GROWTH ETF 922908736 BBG001SHTTS4 22,711,785 80,265 SH   SOLE   4 0 80,261
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 BBG001TC6MC1 3,681,153 9,038 SH   SOLE   0 0 9,038
VANGUARD INDEX FDS SM CP VAL ETF 922908611 BBG001SHVTR2 10,918,550 66,013 SH   SOLE   3 0 66,010
VANGUARD INDEX FDS SMALL CP ETF 922908751 BBG001SHTTV0 398,576 2,004 SH   SOLE   0 0 2,004
VANGUARD INDEX FDS VALUE ETF 922908744 BBG001SHVR78 18,837,486 132,565 SH   SOLE   9 0 132,556
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810 BBG00C863MQ1 1,320,382 17,584 SH   SOLE   0 0 17,584
WISDOMTREE TR ITL HDG QTLY DIV 97717X594 BBG006G0J5J6 10,079,778 250,928 SH   SOLE   16 0 250,912