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
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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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
APPLE INC COM 037833100   351,331 1,508 SH   SOLE 0 0 0 1,508
FIDELITY COMWLTH TR NASDAQ COMPSIT 315912808   32,255,499 450,496 SH   SOLE 0 492 0 450,004
FIRST TR EXCHANGE-TRADED FD NO AMER ENERGY 33738D101   353,043 10,507 SH   SOLE 0 0 0 10,507
INVESCO EXCH TRD SLF IDX FD BULSHS 2024 CB 46138J841   501,716 23,755 SH   SOLE 0 0 0 23,755
INVESCO EXCH TRD SLF IDX FD BULSHS 2025 CB 46138J825   438,606 21,240 SH   SOLE 0 0 0 21,240
INVESCO EXCH TRD SLF IDX FD BULSHS 2027 CB 46138J783   395,840 20,073 SH   SOLE 0 0 0 20,073
INVESCO EXCH TRD SLF IDX FD INVSCO BLSH 28 46138J643   408,748 19,881 SH   SOLE 0 0 0 19,881
INVESCO EXCH TRD SLF IDX FD BULSHS 2026 CB 46138J791   443,386 22,668 SH   SOLE 0 0 0 22,668
INVESCO EXCHANGE TRADED FD T AEROSPACE DEFN 46137V100   325,008 2,827 SH   SOLE 0 0 0 2,827
ISHARES GOLD TR ISHARES NEW 464285204   861,450 17,333 SH   SOLE 0 0 0 17,333
ISHARES INC CORE MSCI EMKT 46434G103   13,579,922 236,543 SH   SOLE 0 270 0 236,273
ISHARES INC MSCI EM ASIA ETF 464286426   331,493 4,231 SH   SOLE 0 0 0 4,231
ISHARES INC MSCI STH KOR ETF 464286772   214,978 3,361 SH   SOLE 0 0 0 3,361
ISHARES TR CORE S&P MCP ETF 464287507   17,029,189 273,254 SH   SOLE 0 296 0 272,958
ISHARES TR 20 YR TR BD ETF 464287432   1,066,274 10,869 SH   SOLE 0 0 0 10,869
ISHARES TR CORE S&P500 ETF 464287200   213,940,303 370,896 SH   SOLE 0 395 0 370,501
ISHARES TR SHORT TREAS BD 464288679   127,975,750 1,156,791 SH   SOLE 0 1,226 0 1,155,565
ISHARES TR TIPS BD ETF 464287176   502,487 4,549 SH   SOLE 0 0 0 4,549
ISHARES TR ESG AWR US AGRGT 46435U549   1,015,063 20,890 SH   SOLE 0 0 0 20,890
ISHARES TR U.S. TECH ETF 464287721   664,417 4,382 SH   SOLE 0 0 0 4,382
ISHARES TR CORE MSCI TOTAL 46432F834   4,256,596 58,607 SH   SOLE 0 0 0 58,607
ISHARES TR CORE S&P SCP ETF 464287804   12,900,825 110,301 SH   SOLE 0 117 0 110,184
ISHARES TR 3 7 YR TREAS BD 464288661   3,686,739 30,824 SH   SOLE 0 0 0 30,824
ISHARES TR TRS FLT RT BD 46434V860   23,216,862 458,831 SH   SOLE 0 141 0 458,690
ISHARES TR CORE S&P TTL STK 464287150   15,385,748 122,478 SH   SOLE 0 0 0 122,478
ISHARES TR MRGSTR MD CP ETF 464288208   365,162 4,803 SH   SOLE 0 0 0 4,803
ISHARES TR CORE MSCI INTL 46435G326   30,006,438 423,640 SH   SOLE 0 532 0 423,108
ISHARES TR CORE US AGGBD ET 464287226   42,829,719 422,926 SH   SOLE 0 70 0 422,856
PROSPECT CAP CORP NOTE 6.375% 3/0 74348TAT9   49,029 49,000 PRN   SOLE 0 0 0 49,000
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   247,734 3,651 SH   SOLE 0 0 0 3,651
UNION PAC CORP COM 907818108   268,100 1,088 SH   SOLE 0 0 0 1,088
VANGUARD INDEX FDS TOTAL STK MKT 922908769   957,796 3,383 SH   SOLE 0 0 0 3,383
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   208,166 3,942 SH   SOLE 0 0 0 3,942