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 1,476,563 66,662 SH   SOLE   0 0 66,662
APPLE INC COM 037833100 BBG001S5N8V8 898,853 5,250 SH   SOLE   0 0 5,250
BOOKING HOLDINGS INC COM 09857L108 BBG001S89N72 561,279 182 SH   SOLE   0 0 182
CHIPOTLE MEXICAN GRILL INC COM 169656105 BBG001SP50B3 476,276 260 SH   SOLE   0 0 260
EXXON MOBIL CORP COM 30231G102 BBG001S69V32 270,434 2,300 SH   SOLE   0 0 2,300
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309 BBG0078X1341 9,581,893 219,970 SH   SOLE   9 0 219,961
FIRST TR EXCHANGE-TRADED FD SENIOR LN FD 33738D309 BBG004HQLXB7 2,152,296 47,055 SH   SOLE   0 0 47,055
FLEXSHARES TR MORNSTAR UPSTR 33939L407 BBG00243P8S9 10,999,033 271,984 SH   SOLE   0 0 271,984
INNOVATOR ETFS TR LADDERED ALC BFR 45783Y756 BBG0154NXX67 1,955,228 76,706 SH   SOLE   0 0 76,706
INNOVATOR ETFS TR US EQTY BUF SEP 45782C664 BBG00Q4023H0 1,584,073 47,061 SH   SOLE   0 0 47,061
INVESCO QQQ TR UNIT SER 1 46090E103 BBG001S9GN63 466,109 1,301 SH   SOLE   0 0 1,301
ISHARES INC CORE MSCI EMKT 46434G103 BBG003HC3DG9 317,758 6,677 SH   SOLE   0 0 6,677
ISHARES INC JP MRG EM CRP BD 464286251 BBG002WGKJD6 264,059 6,244 SH   SOLE   0 0 6,244
ISHARES TR CONV BD ETF 46435G102 BBG009BKDMM6 2,639,353 35,566 SH   SOLE   0 0 35,566
ISHARES TR CORE S&P MCP ETF 464287507 BBG001SFC7V0 731,842 2,935 SH   SOLE   0 0 2,935
ISHARES TR CORE S&P SCP ETF 464287804 BBG001SFC7W9 244,692 2,594 SH   SOLE   0 0 2,594
ISHARES TR FALN ANGLS USD 46435G474 BBG00D332C84 3,478,349 140,256 SH   SOLE   12 0 140,244
ISHARES TR MRGSTR MD CP GRW 464288307 BBG001SBRK44 9,086,641 159,052 SH   SOLE   11 0 159,041
ISHARES TR MSCI EAFE SMCP 46435G839 BBG009HYWS37 6,704,893 240,618 SH   SOLE   15 0 240,603
MICROSOFT CORP COM 594918104 BBG001S5TD05 494,465 1,566 SH   SOLE   0 0 1,566
NATIXIS ETF TR LOOMIS SAYLES 63873X208 BBG00JM7QWH1 494,392 21,029 SH   SOLE   0 0 21,029
NVIDIA CORPORATION COM 67066G104 BBG001S5TZJ6 1,165,773 2,680 SH   SOLE   0 0 2,680
PEAKSTONE REALTY TRUST COMMON SHARES 39818P799 BBG00XTV8H01 559,720 33,637 SH   SOLE   841 0 32,796
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755 BBG0051K49J8 9,687,220 305,880 SH   SOLE   19 0 305,861
SELECT SECTOR SPDR TR RL EST SEL SEC 81369Y860 BBG00B597137 6,010,936 176,429 SH   SOLE   0 0 176,429
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 BBG001SRXRD7 12,706,715 378,514 SH   SOLE   25 0 378,489
SPDR INDEX SHS FDS S&P NORTH AMER 78463X152 BBG00BNK9JD0 1,938,287 36,612 SH   SOLE   0 0 36,612
SPDR S&P 500 ETF TR TR UNIT 78462F103 BBG001S72SM3 5,418,309 12,675 SH   SOLE   2 0 12,673
SPDR SER TR BLOOMBERG 1 10 Y 78468R861 BBG004MKB438 1,191,924 65,925 SH   SOLE   0 0 65,925
SPDR SER TR PORTFOLIO SHORT 78464A474 BBG001T6B0P2 17,137,130 584,486 SH   SOLE   10 0 584,476
SPDR SER TR S&P 400 MDCP VAL 78464A839 BBG001SPTBM1 4,372,731 67,418 SH   SOLE   6 0 67,412
THERMO FISHER SCIENTIFIC INC COM 883556102 BBG001S5WS08 341,159 674 SH   SOLE   0 0 674
VANECK ETF TRUST FALLEN ANGEL HG 92189F437 BBG002VZY7Y3 781,141 28,867 SH   SOLE   0 0 28,867
VANGUARD ADMIRAL FDS INC SMLCP 600 GRTH 921932794 BBG001TC6MT3 926,407 9,823 SH   SOLE   0 0 9,823
VANGUARD INDEX FDS GROWTH ETF 922908736 BBG001SHTTS4 21,466,742 78,832 SH   SOLE   4 0 78,828
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 BBG001TC6MC1 3,389,937 8,632 SH   SOLE   0 0 8,632
VANGUARD INDEX FDS SM CP VAL ETF 922908611 BBG001SHVTR2 10,711,029 67,158 SH   SOLE   3 0 67,155
VANGUARD INDEX FDS SMALL CP ETF 922908751 BBG001SHTTV0 359,989 1,904 SH   SOLE   0 0 1,904
VANGUARD INDEX FDS VALUE ETF 922908744 BBG001SHVR78 18,248,139 132,300 SH   SOLE   9 0 132,291
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810 BBG00C863MQ1 1,245,564 17,462 SH   SOLE   0 0 17,462
WISDOMTREE TR ITL HDG QTLY DIV 97717X594 BBG006G0J5J6 9,853,906 254,360 SH   SOLE   16 0 254,344