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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ClearShares UltraShort Maturity ETF ExchangeTraded Fund 26922A453 21,889 218,671 SH   SOLE   0 0 218,671
SPDR Blmbg 13 Mth TBill ETF ExchangeTraded Fund 78468R663 19,345 211,586 SH   SOLE   0 0 211,586
SPDR Port SP 1500 Comps Stk Mkt ETF ExchangeTraded Fund 78464A805 17,326 311,728 SH   SOLE   0 0 311,728
Vanguard Total Stock Market ETF ExchangeTraded Fund 922908769 15,772 69,377 SH   SOLE   0 0 69,377
iShares Core US REIT ETF ExchangeTraded Fund 464288521 13,970 216,088 SH   SOLE   0 0 216,088
iShares Short Treasury Bond ETF ExchangeTraded Fund 464288679 13,306 120,685 SH   SOLE   0 0 120,685
Fidelity Quality Factor ETF ExchangeTraded Fund 316092790 12,130 232,059 SH   SOLE   0 0 232,059
iShares Gold Trust ExchangeTraded Fund 464285204 11,674 316,962 SH   SOLE   0 0 316,962
Apple Inc Stock 037833100 10,980 62,881 SH   SOLE   0 0 62,881
iShares Core SP 500 ETF ExchangeTraded Fund 464287200 9,926 21,879 SH   SOLE   0 0 21,879
Schwab US Broad Market ETF ExchangeTraded Fund 808524102 9,102 170,475 SH   SOLE   0 0 170,475
iShares Core SP Total US Stock Mkt ETF ExchangeTraded Fund 464287150 8,007 79,321 SH   SOLE   0 0 79,321
Microsoft Corp Stock 594918104 7,921 25,691 SH   SOLE   0 0 25,691
Vanguard Real Estate ETF ExchangeTraded Fund 922908553 7,451 69,538 SH   SOLE   0 0 69,538
Vanguard Value ETF ExchangeTraded Fund 922908744 7,063 47,797 SH   SOLE   0 0 47,797
iShares 13 Year Treasury Bond ETF ExchangeTraded Fund 464287457 6,766 82,510 SH   SOLE   0 0 82,510
iShares Cohen Steers REIT ETF ExchangeTraded Fund 464287564 6,479 91,245 SH   SOLE   0 0 91,245
Schwab US Dividend Equity ETF ExchangeTraded Fund 808524797 6,349 80,475 SH   SOLE   0 0 80,475
iShares MSCI USA Min Vol Factor ETF ExchangeTraded Fund 46429B697 5,973 77,005 SH   SOLE   0 0 77,005
iShares Core MSCI EAFE ETF ExchangeTraded Fund 46432F842 5,948 85,571 SH   SOLE   0 0 85,571
Vanguard Growth ETF ExchangeTraded Fund 922908736 5,790 21,558 SH   SOLE   0 0 21,558
Vanguard High Dividend Yield ETF ExchangeTraded Fund 921946406 5,162 45,983 SH   SOLE   0 0 45,983
Vanguard FTSE Developed Markets ETF ExchangeTraded Fund 921943858 4,599 95,763 SH   SOLE   0 0 95,763
Vanguard SP 500 ETF ExchangeTraded Fund 922908363 4,525 10,973 SH   SOLE   0 0 10,973
iShares Floating Rate Bond ETF ExchangeTraded Fund 46429B655 4,154 83,035 SH   SOLE   0 0 83,035
iShares Core US Aggregate Bond ETF ExchangeTraded Fund 464287226 3,960 37,743 SH   SOLE   0 0 37,743
Schwab 1000 ETF ExchangeTraded Fund 808524722 3,474 78,903 SH   SOLE   0 0 78,903
iShares Core MSCI Emerging Markets ETF ExchangeTraded Fund 46434G103 3,438 61,896 SH   SOLE   0 0 61,896
Thermo Fisher Scientific Inc Stock 883556102 3,341 5,656 SH   SOLE   0 0 5,656
SPDR SP 500 ETF Trust ExchangeTraded Fund 78462F103 3,309 7,971 SH   SOLE   0 0 7,971
iShares Core SP MidCap ETF ExchangeTraded Fund 464287507 3,164 11,791 SH   SOLE   0 0 11,791
Schwab ShortTerm US Treasury ETF ExchangeTraded Fund 808524862 3,139 63,355 SH   SOLE   0 0 63,355
iShares Core MSCI Total Intl Stk ETF ExchangeTraded Fund 46432F834 3,083 46,300 SH   SOLE   0 0 46,300
Alphabet Inc Class A Stock 02079K305 3,046 1,095 SH   SOLE   0 0 1,095
Schwab US REIT ETF ExchangeTraded Fund 808524847 3,028 121,642 SH   SOLE   0 0 121,642
iShares Intermediate Govt/Crdt Bd ETF ExchangeTraded Fund 464288612 2,909 26,808 SH   SOLE   0 0 26,808
Vanguard Total Bond Market ETF ExchangeTraded Fund 921937835 2,861 39,397 SH   SOLE   0 0 39,397
Vanguard ShortTerm Bond ETF ExchangeTraded Fund 921937827 2,858 37,534 SH   SOLE   0 0 37,534
Schwab US TIPS ETF ExchangeTraded Fund 808524870 2,738 45,094 SH   SOLE   0 0 45,094
Invesco SP 500 Equal Weight ETF ExchangeTraded Fund 46137V357 2,653 20,437 SH   SOLE   0 0 20,437
Vanguard ShortTerm Corporate Bond ETF ExchangeTraded Fund 92206C409 2,535 32,468 SH   SOLE   0 0 32,468
Procter Gamble Co Stock 742718109 2,422 15,849 SH   SOLE   0 0 15,849
Tesla Inc Stock 88160R101 2,413 2,239 SH   SOLE   0 0 2,239
Alphabet Inc Class C Stock 02079K107 2,405 861 SH   SOLE   0 0 861
JPMorgan UltraShort Income ETF ExchangeTraded Fund 46641Q837 2,326 46,262 SH   SOLE   0 0 46,262
Berkshire Hathaway Inc Class B Stock 084670702 2,320 6,573 SH   SOLE   0 0 6,573
iShares Core International Aggt Bd ETF ExchangeTraded Fund 46435G672 2,104 40,370 SH   SOLE   0 0 40,370
SPDR Portfolio Developed Wld exUS ETF ExchangeTraded Fund 78463X889 2,027 59,143 SH   SOLE   0 0 59,143
iShares Core SP SmallCap ETF ExchangeTraded Fund 464287804 2,005 18,581 SH   SOLE   0 0 18,581
Vanguard FTSE Emerging Markets ETF ExchangeTraded Fund 922042858 1,971 42,725 SH   SOLE   0 0 42,725
SPDR Portfolio SP 500 Value ETF ExchangeTraded Fund 78464A508 1,958 46,887 SH   SOLE   0 0 46,887
NVIDIA Corp Stock 67066G104 1,835 6,723 SH   SOLE   0 0 6,723
UnitedHealth Group Inc Stock 91324P102 1,796 3,522 SH   SOLE   0 0 3,522
iShares Core Total USD Bond Market ETF ExchangeTraded Fund 46434V613 1,735 34,961 SH   SOLE   0 0 34,961
PepsiCo Inc Stock 713448108 1,596 9,536 SH   SOLE   0 0 9,536
Schwab International Equity ETF ExchangeTraded Fund 808524805 1,574 42,872 SH   SOLE   0 0 42,872
CocaCola Co Stock 191216100 1,458 23,520 SH   SOLE   0 0 23,520
SPDR Portfolio Emerging Markets ETF ExchangeTraded Fund 78463X509 1,441 37,302 SH   SOLE   0 0 37,302
Schwab IntermediateTerm US Trs ETF ExchangeTraded Fund 808524854 1,441 27,066 SH   SOLE   0 0 27,066
Johnson Johnson Stock 478160104 1,420 8,012 SH   SOLE   0 0 8,012
Schwab US Aggregate Bond ETF ExchangeTraded Fund 808524839 1,383 33,332 SH   SOLE   0 0 33,332
Invesco QQQ Trust ExchangeTraded Fund 46090E103 1,320 3,980 SH   SOLE   0 0 3,980
Prologis Inc Stock 74340W103 1,307 8,096 SH   SOLE   0 0 8,096
Mastercard Inc Class A Stock 57636Q104 1,272 3,559 SH   SOLE   0 0 3,559
SPDR Portfolio TIPS ETF ExchangeTraded Fund 78464A656 1,271 42,008 SH   SOLE   0 0 42,008
SPDR Blmbg Intl Trs Bd ETF ExchangeTraded Fund 78464A516 1,257 48,286 SH   SOLE   0 0 48,286
iShares US Treasury Bond ETF ExchangeTraded Fund 46429B267 1,227 49,251 SH   SOLE   0 0 49,251
Exxon Mobil Corp Stock 30231G102 1,176 14,509 SH   SOLE   0 0 14,509
Bank of America Corp Stock 060505104 1,155 28,021 SH   SOLE   0 0 28,021
Chevron Corp Stock 166764100 1,127 6,923 SH   SOLE   0 0 6,923
iShares TIPS Bond ETF ExchangeTraded Fund 464287176 1,124 9,281 SH   SOLE   0 0 9,281
Direxion Auspice Broad Cmdty Strat ETF ExchangeTraded Fund 25460E307 1,089 32,803 SH   SOLE   0 0 32,803
American Express Co Stock 025816109 1,074 5,743 SH   SOLE   0 0 5,743
Amazoncom Inc Stock 023135106 1,050 322 SH   SOLE   0 0 322
Visa Inc Class A Stock 92826C839 1,025 4,623 SH   SOLE   0 0 4,623
AbbVie Inc Stock 00287Y109 886 5,466 SH   SOLE   0 0 5,466
Cisco Systems Inc Stock 17275R102 856 15,359 SH   SOLE   0 0 15,359
Broadcom Inc Stock 11135F101 842 1,337 SH   SOLE   0 0 1,337
Schwab Emerging Markets Equity ETF ExchangeTraded Fund 808524706 809 29,143 SH   SOLE   0 0 29,143
Union Pacific Corp Stock 907818108 780 2,856 SH   SOLE   0 0 2,856
Linde PLC Stock G5494J103 762 2,384 SH   SOLE   0 0 2,384
Accenture PLC Class A Stock G1151C101 760 2,253 SH   SOLE   0 0 2,253
Marsh McLennan Companies Inc Stock 571748102 743 4,359 SH   SOLE   0 0 4,359
Costco Wholesale Corp Stock 22160K105 681 1,182 SH   SOLE   0 0 1,182
Pfizer Inc Stock 717081103 679 13,124 SH   SOLE   0 0 13,124
Amgen Inc Stock 031162100 672 2,778 SH   SOLE   0 0 2,778
ConocoPhillips Stock 20825C104 662 6,622 SH   SOLE   0 0 6,622
United Parcel Service Inc Class B Stock 911312106 656 3,060 SH   SOLE   0 0 3,060
Wells Fargo Co Stock 949746101 633 13,071 SH   SOLE   0 0 13,071
BristolMyers Squibb Co Stock 110122108 624 8,541 SH   SOLE   0 0 8,541
Qualcomm Inc Stock 747525103 589 3,852 SH   SOLE   0 0 3,852
The Home Depot Inc Stock 437076102 580 1,939 SH   SOLE   0 0 1,939
Lowe's Companies Inc Stock 548661107 577 2,852 SH   SOLE   0 0 2,852
Public Storage Stock 74460D109 572 1,466 SH   SOLE   0 0 1,466
CVS Health Corp Stock 126650100 570 5,630 SH   SOLE   0 0 5,630
Philip Morris International Inc Stock 718172109 562 5,981 SH   SOLE   0 0 5,981
Raytheon Technologies Corp Stock 75513E101 543 5,481 SH   SOLE   0 0 5,481
Hess Corp Stock 42809H107 504 4,704 SH   SOLE   0 0 4,704
Vanguard ShortTerm InflProt Secs ETF ExchangeTraded Fund 922020805 503 10,016 SH   SOLE   0 0 10,016
Eli Lilly and Co Stock 532457108 468 1,633 SH   SOLE   0 0 1,633
West Pharmaceutical Services Inc Stock 955306105 456 1,111 SH   SOLE   0 0 1,111
Caterpillar Inc Stock 149123101 445 1,997 SH   SOLE   0 0 1,997
Xcel Energy Inc Stock 98389B100 443 6,139 SH   SOLE   0 0 6,139
Texas Instruments Inc Stock 882508104 441 2,406 SH   SOLE   0 0 2,406
iShares 37 Year Treasury Bond ETF ExchangeTraded Fund 464288661 437 3,581 SH   SOLE   0 0 3,581
Booking Holdings Inc Stock 09857L108 411 175 SH   SOLE   0 0 175
Ford Motor Co Stock 345370860 405 23,977 SH   SOLE   0 0 23,977
Verizon Communications Inc Stock 92343V104 403 7,919 SH   SOLE   0 0 7,919
Altria Group Inc Stock 02209S103 403 7,708 SH   SOLE   0 0 7,708
Royal Bank of Canada Stock 780087102 401 3,640 SH   SOLE   0 0 3,640
Northern Trust Corp Stock 665859104 397 3,413 SH   SOLE   0 0 3,413
HSBC Holdings PLC ADR Stock 404280406 393 11,489 SH   SOLE   0 0 11,489
Mondelez International Inc Class A Stock 609207105 392 6,240 SH   SOLE   0 0 6,240
AstraZeneca PLC ADR Stock 046353108 391 5,888 SH   SOLE   0 0 5,888
Automatic Data Processing Inc Stock 053015103 388 1,704 SH   SOLE   0 0 1,704
Enbridge Inc Stock 29250N105 385 8,364 SH   SOLE   0 0 8,364
BHP Group Ltd ADR Stock 088606108 384 4,966 SH   SOLE   0 0 4,966
Abbott Laboratories Stock 002824100 381 3,220 SH   SOLE   0 0 3,220
Hewlett Packard Enterprise Co Stock 42824C109 379 22,666 SH   SOLE   0 0 22,666
Sanofi SA ADR Stock 80105N105 377 7,349 SH   SOLE   0 0 7,349
McDonalds Corp Stock 580135101 369 1,492 SH   SOLE   0 0 1,492
Rio Tinto PLC ADR Stock 767204100 367 4,570 SH   SOLE   0 0 4,570
Lockheed Martin Corp Stock 539830109 351 796 SH   SOLE   0 0 796
Walmart Inc Stock 931142103 351 2,355 SH   SOLE   0 0 2,355
The TorontoDominion Bank Stock 891160509 346 4,356 SH   SOLE   0 0 4,356
Mitsubishi UFJ Financial Group Inc ADR Stock 606822104 339 54,771 SH   SOLE   0 0 54,771
TotalEnergies SE ADR Stock 89151E109 339 6,705 SH   SOLE   0 0 6,705
Bank of Nova Scotia Stock 064149107 335 4,665 SH   SOLE   0 0 4,665
BP PLC ADR Stock 055622104 334 11,367 SH   SOLE   0 0 11,367
WW Grainger Inc Stock 384802104 331 642 SH   SOLE   0 0 642
iShares 20Year Treasury Bond ETF ExchangeTraded Fund 464287432 326 2,488 SH   SOLE   0 0 2,488
Shell PLC Stock 780259305 325 5,921 SH   SOLE   0 0 5,921
iShares Edge MSCI Multifactor Intl ETF ExchangeTraded Fund 46434V274 318 11,500 SH   SOLE   0 0 11,500
ATT Inc Stock 00206R102 313 13,236 SH   SOLE   0 0 13,236
SPDR Portfolio SP 400 Mid Cap ETF ExchangeTraded Fund 78464A847 312 6,608 SH   SOLE   0 0 6,608
Merck Co Inc Stock 58933Y105 308 3,750 SH   SOLE   0 0 3,750
Edwards Lifesciences Corp Stock 28176E108 303 2,576 SH   SOLE   0 0 2,576
Applied Materials Inc Stock 038222105 299 2,270 SH   SOLE   0 0 2,270
Simon Property Group Inc Stock 828806109 296 2,252 SH   SOLE   0 0 2,252
CMS Energy Corp Stock 125896100 288 4,112 SH   SOLE   0 0 4,112
Realty Income Corp Stock 756109104 274 3,950 SH   SOLE   0 0 3,950
Cadence Design Systems Inc Stock 127387108 266 1,619 SH   SOLE   0 0 1,619
Welltower Inc Stock 95040Q104 259 2,693 SH   SOLE   0 0 2,693
NextEra Energy Inc Stock 65339F101 254 2,995 SH   SOLE   0 0 2,995
Vertex Pharmaceuticals Inc Stock 92532F100 251 960 SH   SOLE   0 0 960
General Mills Inc Stock 370334104 250 3,689 SH   SOLE   0 0 3,689
Duke Energy Corp Stock 26441C204 250 2,235 SH   SOLE   0 0 2,235
Morgan Stanley Stock 617446448 246 2,813 SH   SOLE   0 0 2,813
Prudential Financial Inc Stock 744320102 245 2,073 SH   SOLE   0 0 2,073
Leidos Holdings Inc Stock 525327102 243 2,250 SH   SOLE   0 0 2,250
Intel Corp Stock 458140100 237 4,788 SH   SOLE   0 0 4,788
International Business Machines Corp Stock 459200101 236 1,888 SH   SOLE   0 0 1,888
US Bancorp Stock 902973304 235 4,427 SH   SOLE   0 0 4,427
Diageo PLC ADR Stock 25243Q205 234 1,151 SH   SOLE   0 0 1,151
Eversource Energy Stock 30040W108 234 2,649 SH   SOLE   0 0 2,649
Brookfield Asset Management Inc Registered Shs A Limited Vtg Stock 112585104 232 4,103 SH   SOLE   0 0 4,103
Canadian National Railway Co Stock 136375102 230 1,716 SH   SOLE   0 0 1,716
HCA Healthcare Inc Stock 40412C101 230 918 SH   SOLE   0 0 918
AvalonBay Communities Inc Stock 053484101 229 923 SH   SOLE   0 0 923
Roche Holding AG ADR Stock 771195104 223 4,514 SH   SOLE   0 0 4,514
Novo Nordisk A/S ADR Stock 670100205 220 1,979 SH   SOLE   0 0 1,979
Nestle SA ADR Stock 641069406 216 1,660 SH   SOLE   0 0 1,660
PIMCO 15 Year US TIPS ETF ExchangeTraded Fund 72201R304 216 2,614 SH   SOLE   0 0 2,614
TMobile US Inc Stock 872590104 207 1,612 SH   SOLE   0 0 1,612
Healthpeak Properties Inc Stock 42250P103 203 5,921 SH   SOLE   0 0 5,921
LVMH Moet Hennessy Louis Vuitton SE ADR Stock 502441306 201 1,412 SH   SOLE   0 0 1,412
General Dynamics Corp Stock 369550108 199 827 SH   SOLE   0 0 827
MetLife Inc Stock 59156R108 198 2,824 SH   SOLE   0 0 2,824
Equity Residential Stock 29476L107 198 2,206 SH   SOLE   0 0 2,206
Southern Co Stock 842587107 196 2,699 SH   SOLE   0 0 2,699
Emerson Electric Co Stock 291011104 196 1,995 SH   SOLE   0 0 1,995
Dow Inc Stock 260557103 194 3,052 SH   SOLE   0 0 3,052
Boston Properties Inc Stock 101121101 193 1,501 SH   SOLE   0 0 1,501
American International Group Inc Stock 026874784 191 3,042 SH   SOLE   0 0 3,042
Toyota Motor Corp ADR Stock 892331307 190 1,056 SH   SOLE   0 0 1,056
Exelon Corp Stock 30161N101 189 3,961 SH   SOLE   0 0 3,961
BNP Paribas ADR Stock 05565A202 188 6,594 SH   SOLE   0 0 6,594
ABB Ltd ADR Stock 000375204 187 5,797 SH   SOLE   0 0 5,797
AnheuserBusch InBev SA/NV ADR Stock 03524A108 186 3,096 SH   SOLE   0 0 3,096
Allianz SE ADR Stock 018820100 183 7,714 SH   SOLE   0 0 7,714
Extra Space Storage Inc Stock 30225T102 182 883 SH   SOLE   0 0 883
Capital One Financial Corp Stock 14040H105 175 1,336 SH   SOLE   0 0 1,336
Airbus SE ADR Stock 009279100 169 5,600 SH   SOLE   0 0 5,600
CBRE Group Inc Class A Stock 12504L109 166 1,818 SH   SOLE   0 0 1,818
Host Hotels Resorts Inc Stock 44107P104 157 8,087 SH   SOLE   0 0 8,087
DuPont de Nemours Inc Stock 26614N102 157 2,132 SH   SOLE   0 0 2,132
Duke Realty Corp Stock 264411505 153 2,635 SH   SOLE   0 0 2,635
Nintendo Co Ltd ADR Stock 654445303 152 2,421 SH   SOLE   0 0 2,421
Essex Property Trust Inc Stock 297178105 151 438 SH   SOLE   0 0 438
Danaher Corp Stock 235851102 141 482 SH   SOLE   0 0 482
iShares US Real Estate ETF ExchangeTraded Fund 464287739 133 1,353 SH   SOLE   0 0 1,353
Invitation Homes Inc Stock 46187W107 125 3,111 SH   SOLE   0 0 3,111
Comcast Corp Class A Stock 20030N101 120 2,565 SH   SOLE   0 0 2,565
JPMorgan Chase Co Stock 46625H100 118 867 SH   SOLE   0 0 867
ColgatePalmolive Co Stock 194162103 117 1,539 SH   SOLE   0 0 1,539
Sun Communities Inc Stock 866674104 117 665 SH   SOLE   0 0 665
MidAmerica Apartment Communities Inc Stock 59522J103 116 555 SH   SOLE   0 0 555
Dollar General Corp Stock 256677105 116 519 SH   SOLE   0 0 519
AmerisourceBergen Corp Stock 03073E105 115 745 SH   SOLE   0 0 745
The Walt Disney Co Stock 254687106 108 786 SH   SOLE   0 0 786
UDR Inc Stock 902653104 105 1,829 SH   SOLE   0 0 1,829
Direxion Daily SP500 Bull 3X ETF ExchangeTraded Fund 25459W862 102 848 SH   SOLE   0 0 848
SPDR Portfolio SP 600 Sm Cap ETF ExchangeTraded Fund 78468R853 98 2,333 SH   SOLE   0 0 2,333
Sysco Corp Stock 871829107 93 1,139 SH   SOLE   0 0 1,139
State Street Corporation Stock 857477103 91 1,044 SH   SOLE   0 0 1,044