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
A T & T Inc New COM 00206R102   576,646 32,764 SH   SOLE   0 0 0
Abbvie Inc COM 00287Y109   931,077 5,113 SH   SOLE   0 0 0
Alps TRUST Etf BARRONS 400 ETF 00162Q726   208,364 3,068 SH   SOLE   0 0 0
Amazon Com Inc COM 023135106   830,470 4,604 SH   SOLE   0 0 0
AMERICAN CENTURY INVESTMENTS A VANTIS EMGMKT ETF AVENTIS EMGMKT 025072604   1,296,217 22,364 SH   SOLE   0 0 0
AMERICAN CENTURY INVESTMENTS I NTL EQT ETF INTL EQT ETF 025072703   28,655,592 449,570 SH   SOLE   0 0 0
AMERICAN CENTURY INVESTMENTS U S EQT ETF US EQT ETF 025072885   99,607,726 1,112,935 SH   SOLE   0 0 0
Anthem Inc COM 036752103   360,904 696 SH   SOLE   0 0 0
Apple Computer Inc COM 037833100   14,393,670 83,938 SH   SOLE   0 0 0
AVANTIS US SMALL CAP VALUE ETF US SML CP VALU 025072877   24,687,843 263,449 SH   SOLE   0 0 0
Berkshire Hathaway Inc A CL A 084670108   634,440 1 SH   SOLE   0 0 0
Berkshire Hathaway Inc B CL B NEW 084670702   1,684,183 4,005 SH   SOLE   0 0 0
Capital One Financial Cp COM 14040H105   209,042 1,404 SH   SOLE   0 0 0
Chevron Corporation COM 166764100   499,878 3,169 SH   SOLE   0 0 0
CohBar Inc COM NEW 19249J307   159,729 181,490 SH   SOLE   0 0 0
Costco Whsl Corp New COM 22160K105   498,777 681 SH   SOLE   0 0 0
Dimensional Emerging Core Equity Mkt ETF EMGR CRE EQT MNG 25434V302   23,643,410 956,449 SH   SOLE   0 0 0
Dimensional International Cr Eq Mkt ETF INTL CORE EQT MK 25434V203   49,546,900 1,639,540 SH   SOLE   0 0 0
DIMENSIONAL US CORE EQUITY MARKT ETF US CORE EQT MKT 25434V104   45,292,708 1,239,538 SH   SOLE   0 0 0
DIMENSIONAL WLD EX US CR EQ 2 ETF WORLD EX US CORE 25434V880   514,156 20,211 SH   SOLE   0 0 0
Disney Walt Co COM 254687106   976,745 7,983 SH   SOLE   0 0 0
Dominion Res Inc Va New COM 25746U109   379,970 7,725 SH   SOLE   0 0 0
Dutsch X Trck Rusl 1000 XTRACKERS RUSSEL 233051481   8,738,832 167,520 SH   SOLE   0 0 0
Exxon Mobil Corporation COM 30231G102   616,304 5,302 SH   SOLE   0 0 0
First Tr Nasdaq 100 Fund SHS 337345102   20,295,454 106,437 SH   SOLE   0 0 0
First Trst Nasdaq Rsng RISNG DIVD ACHIV 33738R506   34,824,805 619,989 SH   SOLE   0 0 0
FIRST TRUST EXCH TRADED FUND 2 TECH ALPHADEX ETF TECH ALPHADEX 33734X176   24,843,808 184,274 SH   SOLE   0 0 0
FIRST TRUST EXCHANGE-TRADED AL EM SML CP ALPH ETF EM SML CP ALPH 33737J307   1,522,271 39,325 SH   SOLE   0 0 0
First TRUST Intermediate COM 33718W103   227,584 12,700 SH   SOLE   0 0 0
FIRST TRUST PORTFOLIOS COM ETF COM 33734G108   233,042 8,965 SH   SOLE   0 0 0
First TRUST Preferred PFD SECS INC ETF 33739E108   330,327 19,072 SH   SOLE   0 0 0
FIRST TRUST SENIOR LN FD ETF SENIOR LN FD 33738D309   1,133,716 24,534 SH   SOLE   0 0 0
First TRUST Tactcl High FIRST TR TA HIYL 33738D408   453,406 10,997 SH   SOLE   0 0 0
First TRUST Value SHS 33734H106   4,985,914 118,066 SH   SOLE   0 0 0
Flexsh Stoxx US Esg STOX US ESG SLCT 33939L696   2,135,496 16,870 SH   SOLE   0 0 0
FlexShares Intl Qual Div ETF INTL QLTDV IDX 33939L837   1,135,785 47,128 SH   SOLE   0 0 0
Flexshares Morningstar MORNSTAR USMKT 33939L100   17,080,266 86,095 SH   SOLE   0 0 0
FLEXSHARES TRUST HIG YLD VL ET F HIG YLD VL ETF 33939L662   873,752 21,254 SH   SOLE   0 0 0
FLEXSHARES TRUST QLT DIV DEF I DX ETF QLT DIV DEF IDX 33939L845   7,355,111 114,549 SH   SOLE   0 0 0
GLOBAL X FDS US PFD ETF US PFD ETF 37954Y657   781,119 38,746 SH   SOLE   0 0 0
Goldman Sachs Group Inc COM 38141G104   492,874 1,180 SH   SOLE   0 0 0
Google Inc Class A CL A COM 02079K305   374,910 2,484 SH   SOLE   0 0 0
Intel Corp COM 458140100   277,167 6,275 SH   SOLE   0 0 0
Intl Business Machines COM 459200101   221,836 1,162 SH   SOLE   0 0 0
Intuit Inc COM 461202103   3,613,350 5,559 SH   SOLE   0 0 0
INVESCO EXCHANGE TRADED FD TR S&P500 QUALITY ETF S&P500 QUALITY 46137V241   2,419,330 40,042 SH   SOLE   0 0 0
INVESCO EXCHANGE TRADED FUND T S&P 500 REVENUE ETF S&P 500 REVENUE 46138G698   6,040,149 64,442 SH   SOLE   0 0 0
INVESCO EXCHANGE TRADED FUND T S&P MDCP 400 REV ET S&P MDCP 400 REV 46138G672   19,389,055 168,454 SH   SOLE   0 0 0
INVESCO EXCHANGE TRADED SELF I BULSHS 2024 CB ETF BULSHS 2024 CB 46138J841   4,054,550 193,350 SH   SOLE   0 0 0
INVESCO EXCHANGE TRADED SELF I BULSHS 2025 CB ETF BULSHS 2025 CB 46138J825   1,387,667 67,923 SH   SOLE   0 0 0
INVESCO EXCHANGE TRADED SELF I BULSHS 2026 CB ETF BULSHS 2026 CB 46138J791   889,096 46,283 SH   SOLE   0 0 0
INVESCO EXCHANGE TRADED SELF I BULSHS 2027 CB ETF BULSHS 2027 CB 46138J783   301,233 15,616 SH   SOLE   0 0 0
Invesco RAFI Strategic US ETF RAFI STRATGIC US 46138J742   1,366,185 28,786 SH   SOLE   0 0 0
Invesco Variable Rate Preferred ETF VAR RATE PFD 46138G870   676,447 28,458 SH   SOLE   0 0 0
iShares Broad USD High Yield Corp Bd ETF BROAD USD HIGH 46435U853   1,039,412 28,407 SH   SOLE   0 0 0
Ishares Core Dividend CORE DIV GRWTH 46434V621   685,572 11,808 SH   SOLE   0 0 0
Ishares Core Msci Eafe CORE MSCI EAFE 46432F842   559,322 7,536 SH   SOLE   0 0 0
Ishares Esg Msci Eafe ESG AW MSCI EAFE 46435G516   11,513,992 144,087 SH   SOLE   0 0 0
iShares ESG Screened S&P Mid-Cap ETF ESG SCRD S&P MID 46436E551   1,972,703 48,021 SH   SOLE   0 0 0
Ishares Etf MSCI USA QLT FCT 46432F339   23,472,317 142,819 SH   SOLE   0 0 0
Ishares Ftse Nareit Res RESIDENTIAL MULT 464288562   385,935 5,355 SH   SOLE   0 0 0
iShares iBonds Dec 2024 Term Muni Bond IBONDS DEC 46435U697   361,925 13,947 SH   SOLE   0 0 0
iShares iBonds Dec 2027 Term Corp ETF IBONDS 27 ETF 46435UAA9   17,060,556 716,830 SH   SOLE   0 0 0
iShares MSCI Israel ETF MSCI ISRAEL ETF 464286632   885,013 13,878 SH   SOLE   0 0 0
Ishares Russell 3000 RUSSELL 3000 ETF 464287689   440,517 1,468 SH   SOLE   0 0 0
Ishares Russell Midcap RUS MD CP GR ETF 464287481   240,294 2,105 SH   SOLE   0 0 0
Ishares S&P 500 Growth S&P 500 GRWT ETF 464287309   297,651 3,525 SH   SOLE   0 0 0
Ishares Tr Msci Eafe Fd MSCI EAFE ETF 464287465   18,781,395 235,179 SH   SOLE   0 0 0
Ishares Tr Russell RUS 1000 GRW ETF 464287614   463,781 1,376 SH   SOLE   0 0 0
Ishares Tr S&P Midcap CORE S&P MCP ETF 464287507   324,655 5,345 SH   SOLE   0 0 0
Ishares Tr S&P Smallcap CORE S&P SCP ETF 464287804   3,464,526 31,348 SH   SOLE   0 0 0
ISHARES TRUST CRE U S REIT ETF CRE U S REIT ETF 464288521   1,092,570 20,308 SH   SOLE   0 0 0
ISHARES TRUST IBDS DEC28 ETF IBDS DEC28 ETF 46435U515   16,131,238 647,711 SH   SOLE   0 0 0
ISHARES TRUST IBONDS DEC 29 ET F IBONDS DEC 29 46436E205   391,934 17,175 SH   SOLE   0 0 0
ISHARES TRUST IBONDS DEC2026 E TF IBONDS DEC2026 46435GAA0   17,571,700 736,759 SH   SOLE   0 0 0
ISHARES TRUST IBONDS DEC24 ETF IBONDS DEC24 ETF 46434VBG4   16,543,446 660,417 SH   SOLE   0 0 0
ISHARES TRUST IBONDS DEC25 ETF IBONDS DEC25 ETF 46434VBD1   18,169,795 732,358 SH   SOLE   0 0 0
ISHARES TRUST INTL QLTY FACTOR ETF MSCI INTL QUALTY 46434V456   41,623,545 1,049,509 SH   SOLE   0 0 0
ISHARES TRUST MULTIFACTOR USA ETF U S EQUITY FACTR 46434V282   2,708,957 50,343 SH   SOLE   0 0 0
Ishares TRUST S&P CORE S&P500 ETF 464287200   424,790 808 SH   SOLE   0 0 0
ISHARES TRUST ULTR SH TRM BD E TF BLACKROCK ULTRA 46434V878   5,988,523 118,444 SH   SOLE   0 0 0
Johnson & Johnson COM 478160104   225,393 1,425 SH   SOLE   0 0 0
JP MORGAN ETF TRUST DIVERSFED RTRN ETF DIVERSFED RTRN 46641Q886   7,599,615 76,656 SH   SOLE   0 0 0
JP MORGAN ETF TRUST ULTRA SHRT INC ETF ULTRA SHRT INC 46641Q837   781,874 15,498 SH   SOLE   0 0 0
JP MORGAN ETF TRUST US QUALTY FCTR ETF US QUALTY FCTR 46641Q761   39,369,105 744,640 SH   SOLE   0 0 0
Jpmorgan Dvrsfd Rtrn DIV RTN INT EQ 46641Q209   987,352 17,528 SH   SOLE   0 0 0
Jpmrg Dvsfd Retn Emrg DIV RTN EM EQT 46641Q308   202,454 3,788 SH   SOLE   0 0 0
Mannkind Corp COM NEW 56400P706   209,064 46,151 SH   SOLE   0 0 0
Mastercard Inc CL A 57636Q104   313,668 651 SH   SOLE   0 0 0
Mc Donalds Corp COM 580135101   217,947 773 SH   SOLE   0 0 0
Meta Platforms, Inc. CL A 30303M102   489,465 1,008 SH   SOLE   0 0 0
Microsoft Corp COM 594918104   2,363,968 5,619 SH   SOLE   0 0 0
Mid Cap SPDR UTSER1 S&PDCRP 78467Y107   4,105,608 7,379 SH   SOLE   0 0 0
Nuveen Esg Emerging NUVEEN ESG EMRGN 67092P888   312,565 11,366 SH   SOLE   0 0 0
Nuveen Esg Mid Cap NUVEEN ESG MIDCP 67092P409   347,255 7,807 SH   SOLE   0 0 0
Nuveen Esg Mid Cap Value NUVEEN ESG MIDVL 67092P508   643,952 18,829 SH   SOLE   0 0 0
NUVEEN ESG NUVEEN ESG LRG CAP GRWTH ETF NUVEEN ESG LRGCP 67092P201   12,339,972 161,772 SH   SOLE   0 0 0
NUVEEN ESG NUVEEN ESG LRG CAP VAL ETF NUVEEN ESG LRGVL 67092P300   272,953 7,024 SH   SOLE   0 0 0
Nuveen Esg Small Cap NUVEEN ESG SMLCP 67092P607   978,280 23,522 SH   SOLE   0 0 0
Nuveen Floating Rate Income COM 67072T108   253,493 29,037 SH   SOLE   0 0 0
NUVEEN GLOBAL HIGH INCM FD SHS SHS 67075G103   407,682 31,900 SH   SOLE   0 0 0
Nuveen Preferred Income COM 67073B106   420,615 58,500 SH   SOLE   0 0 0
Nvidia Corp COM 67066G104   3,824,207 4,232 SH   SOLE   0 0 0
Omnicom Group Inc COM 681919106   201,724 2,085 SH   SOLE   0 0 0
PACER FDS TR US CASH COWS 100 ETF US CASH COWS 100 69374H881   44,408,429 764,213 SH   SOLE   0 0 0
Pepsico Incorporated COM 713448108   219,813 1,256 SH   SOLE   0 0 0
Powershs Exch Trad Fd Tr PFD ETF 46138E511   324,383 27,305 SH   SOLE   0 0 0
Powershs Exch Trad Fd Tr BUYBACK ACHIEV 46137V308   228,906 2,115 SH   SOLE   0 0 0
Powershs Qqq TRUST Ser UNIT SER 1 46090E103   8,459,726 19,053 SH   SOLE   0 0 0
ProShares Ultra Silver ULTRA SILVER NEW 74347W353   488,580 17,000 SH   SOLE   0 0 0
Pwrshr S&P500 Hidiv S&P500 HDL VOL 46138E362   1,042,468 23,479 SH   SOLE   0 0 0
Real Estate Select Sctr RL EST SEL SEC 81369Y860   1,116,327 28,240 SH   SOLE   0 0 0
Rydex Etf TRUST S&P500 EQL WGT 46137V357   7,638,255 45,098 SH   SOLE   0 0 0
S P D R TRUST Unit SR TR UNIT 78462F103   300,765 575 SH   SOLE   0 0 0
Schw US Brd Mkt Etf US BRD MKT ETF 808524102   2,611,841 42,782 SH   SOLE   0 0 0
SCHWAB US DIVIDEND EQ ETF US DIVIDEND EQ 808524797   17,327,080 214,896 SH   SOLE   0 0 0
Sector Spdr Tech Select TECHNOLOGY 81369Y803   306,365 1,471 SH   SOLE   0 0 0
Spdr Barclays Cnv BBG CONV SEC ETF 78464A359   402,158 5,506 SH   SOLE   0 0 0
Spdr Blackstone Gso BLACKSTONE SENR 78467V608   266,388 6,326 SH   SOLE   0 0 0
SPDR PORTFOLIO EMG MK ETF PORTFOLIO EMG MK 78463X509   745,442 20,598 SH   SOLE   0 0 0
SPDR SERIES TRUST PORTFOLIO SM ETF PORTFOLIO S&P600 78468R853   13,269,199 308,299 SH   SOLE   0 0 0
SPDR SERIES TRUST PORTFOLIO TL STK ETF PORTFOLI S&P1500 78464A805   21,274,011 331,629 SH   SOLE   0 0 0
Stryker Corp COM 863667101   1,277,238 3,569 SH   SOLE   0 0 0
Tesla Motors Inc COM 88160R101   1,395,948 7,941 SH   SOLE   0 0 0
Vaneck Vectors Israel ETF ISRAEL ETF 92189F635   635,264 16,927 SH   SOLE   0 0 0
Vanguard Div Apprciation DIV APP ETF 921908844   1,165,973 6,385 SH   SOLE   0 0 0
Vanguard Growth GROWTH ETF 922908736   1,217,091 3,536 SH   SOLE   0 0 0
Vanguard Health Care HEALTH CAR ETF 92204A504   282,757 1,045 SH   SOLE   0 0 0
Vanguard Info Technology INF TECH ETF 92204A702   426,288 813 SH   SOLE   0 0 0
Vanguard Intl Eqty Index ALLWRLD EX US 922042775   728,304 12,418 SH   SOLE   0 0 0
Vanguard Mega Cap Value ETF MEGA CAP VAL ETF 921910840   239,020 2,000 SH   SOLE   0 0 0
Vanguard Mid Cap MID CAP ETF 922908629   285,090 1,141 SH   SOLE   0 0 0
Vanguard S&P 500 Etf S&P 500 ETF SHS 922908363   375,281 781 SH   SOLE   0 0 0
Vanguard Small Cap SMALL CP ETF 922908751   279,508 1,223 SH   SOLE   0 0 0
Vanguard Total International Stock ETF VG TL INTL STK F 921909768   301,500 5,000 SH   SOLE   0 0 0
Vanguard Total Stock Mkt TOTAL STK MKT 922908769   5,574,295 21,448 SH   SOLE   0 0 0
Vanguard Value VALUE ETF 922908744   344,775 2,117 SH   SOLE   0 0 0
Virtus Diversified Income & Convertible Fund COM 92840N100   289,795 12,100 SH   SOLE   0 0 0
Western Asset High Yld Def Opp COM 95768B107   233,220 19,500 SH   SOLE   0 0 0
Wisdomtree Midcap Divdnd US MIDCAP DIVID 97717W505   230,585 4,728 SH   SOLE   0 0 0
Wisdomtree TRUST Midcap US MIDCAP FUND 97717W570   1,175,550 19,265 SH   SOLE   0 0 0
WISDOMTREE TRUST WISDOMTREE US VALUE FUND ETF WISDOMTREE US VA 97717W547   2,042,906 27,021 SH   SOLE   0 0 0
Wisdomtree US Divid Etf US QTLY DIV GRT 97717X669   60,689,702 796,557 SH   SOLE   0 0 0
WISDOMTREE US QUALITY GROWTH ETF US QUALITY GROW 97717Y477   29,373,471 714,683 SH   SOLE   0 0 0