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
SPDR Blmbg 13 Mth TBill ETF ETF 78468R663 61,638 673,714 SH   SOLE   0 0 673,714
iShares Short Treasury Bond ETF ETF 464288679 58,434 530,736 SH   SOLE   0 0 530,736
ClearShares UltraShort Maturity ETF ETF 26922A453 30,666 306,278 SH   SOLE   0 0 306,278
JPMorgan UltraShort Income ETF ETF 46641Q837 11,941 238,385 SH   SOLE   0 0 238,385
iShares Floating Rate Bond ETF ETF 46429B655 10,091 202,147 SH   SOLE   0 0 202,147
Vanguard Value ETF ETF 922908744 8,149 61,788 SH   SOLE   0 0 61,788
iShares Core SP 500 ETF ETF 464287200 7,386 19,481 SH   SOLE   0 0 19,481
iShares 13 Year Treasury Bond ETF ETF 464287457 7,333 88,578 SH   SOLE   0 0 88,578
SPDR Port SP 1500 Comps Stk Mkt ETF ETF 78464A805 7,306 157,194 SH   SOLE   0 0 157,194
ISHARES TR 1 3 YR TREAS BD ETF 464287457 6,406 77,378 SH   SOLE   0 0 77,378
ClearShares OCIO ETF ETF 26922A727 5,872 16,940 SH   SOLE   0 0 16,940
iShares MSCI USA Min Vol Factor ETF ETF 46429B697 5,654 80,528 SH   SOLE   0 0 80,528
Schwab US Dividend Equity ETF ETF 808524797 5,583 77,947 SH   SOLE   0 0 77,947
Vanguard FTSE Developed Markets ETF ETF 921943858 5,039 123,515 SH   SOLE   0 0 123,515
Vanguard Total Stock Market ETF ETF 922908769 4,872 25,828 SH   SOLE   0 0 25,828
Vanguard High Dividend Yield ETF ETF 921946406 4,786 47,063 SH   SOLE   0 0 47,063
iShares Core MSCI EAFE ETF ETF 46432F842 4,544 77,221 SH   SOLE   0 0 77,221
Vanguard Growth ETF ETF 922908736 4,539 20,363 SH   SOLE   0 0 20,363
iShares Core US Aggregate Bond ETF ETF 464287226 3,875 38,114 SH   SOLE   0 0 38,114
Vanguard SP 500 ETF ETF 922908363 3,869 11,154 SH   SOLE   0 0 11,154
Schwab US Broad Market ETF ETF 808524102 3,589 81,208 SH   SOLE   0 0 81,208
iShares Core MSCI Total Intl Stk ETF ETF 46432F834 3,453 60,545 SH   SOLE   0 0 60,545
iShares Cohen Steers REIT ETF ETF 464287564 3,214 52,892 SH   SOLE   0 0 52,892
Vanguard ShortTerm Bond ETF ETF 921937827 2,997 39,035 SH   SOLE   0 0 39,035
Schwab 1000 ETF ETF 808524722 2,944 80,759 SH   SOLE   0 0 80,759
iShares Core US REIT ETF ETF 464288521 2,934 54,947 SH   SOLE   0 0 54,947
iShares Gold Trust ETF 464285204 2,903 84,605 SH   SOLE   0 0 84,605
iShares Intermediate Govt/Crdt Bd ETF ETF 464288612 2,896 27,438 SH   SOLE   0 0 27,438
Vanguard Total Bond Market ETF ETF 921937835 2,771 36,818 SH   SOLE   0 0 36,818
UnitedHealth Group Inc Stock 91324P102 2,423 4,718 SH   SOLE   0 0 4,718
Schwab US TIPS ETF ETF 808524870 2,333 41,808 SH   SOLE   0 0 41,808
Johnson Johnson Stock 478160104 2,295 12,931 SH   SOLE   0 0 12,931
Vanguard FTSE Emerging Markets ETF ETF 922042858 2,154 51,718 SH   SOLE   0 0 51,718
SPDR Portfolio Developed Wld exUS ETF ETF 78463X889 2,090 72,473 SH   SOLE   0 0 72,473
Vanguard ShortTerm Corporate Bond ETF ETF 92206C409 2,003 26,260 SH   SOLE   0 0 26,260
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS ETF 92206C102 1,928 32,752 SH   SOLE   0 0 32,752
Berkshire Hathaway Inc Class B Stock 084670207 1,909 6,993 SH   SOLE   0 0 6,993
SPDR Portfolio SP 500 Value ETF ETF 78464A508 1,807 49,069 SH   SOLE   0 0 49,069
CocaCola Co Stock 191216100 1,783 28,337 SH   SOLE   0 0 28,337
iShares US Treasury Bond ETF ETF 46429B267 1,776 74,321 SH   SOLE   0 0 74,321
Exxon Mobil Corp Stock 30231G102 1,669 19,485 SH   SOLE   0 0 19,485
Schwab US REIT ETF ETF 808524847 1,591 75,443 SH   SOLE   0 0 75,443
Schwab ShortTerm US Treasury ETF ETF 808524862 1,588 32,281 SH   SOLE   0 0 32,281
SPDR SP 500 ETF Trust ETF 78462F103 1,555 4,121 SH   SOLE   0 0 4,121
SPDR Portfolio Emerging Markets ETF ETF 78463X509 1,495 43,009 SH   SOLE   0 0 43,009
iShares Core International Aggt Bd ETF ETF 46435G672 1,462 29,342 SH   SOLE   0 0 29,342
PepsiCo Inc Stock 713448108 1,405 8,433 SH   SOLE   0 0 8,433
Pfizer Inc Stock 717081103 1,356 25,869 SH   SOLE   0 0 25,869
iShares Core SP MidCap ETF ETF 464287507 1,307 5,779 SH   SOLE   0 0 5,779
Merck Co Inc Stock 58933Y105 1,304 14,305 SH   SOLE   0 0 14,305
Chevron Corp Stock 166764100 1,277 8,821 SH   SOLE   0 0 8,821
AbbVie Inc Stock 00287Y109 1,265 8,259 SH   SOLE   0 0 8,259
iShares Core SP SmallCap ETF ETF 464287804 1,264 13,675 SH   SOLE   0 0 13,675
SPDR Portfolio TIPS ETF ETF 78464A656 1,225 44,514 SH   SOLE   0 0 44,514
Amgen Inc Stock 031162100 1,148 4,717 SH   SOLE   0 0 4,717
iShares ESG Aware MSCI USA ETF ETF 46435G425 1,142 13,615 SH   SOLE   0 0 13,615
Eli Lilly and Co Stock 532457108 1,128 3,480 SH   SOLE   0 0 3,480
DIREXION DAILY SP 500 BEAR ET ETF 25460E869 1,125 66,005 SH   SOLE   0 0 66,005
International Business Machines Corp Stock 459200101 1,095 7,757 SH   SOLE   0 0 7,757
SPDR SERIES TRUST PORTFOLIO SP 500 ETF ETF 78464A854 1,071 24,150 SH   SOLE   0 0 24,150
iShares Core MSCI Emerging Markets ETF ETF 46434G103 1,060 21,617 SH   SOLE   0 0 21,617
Procter Gamble Co Stock 742718109 1,053 7,325 SH   SOLE   0 0 7,325
Schwab International Equity ETF ETF 808524805 1,042 33,143 SH   SOLE   0 0 33,143
Schwab IntermediateTerm US Trs ETF ETF 808524854 1,004 19,456 SH   SOLE   0 0 19,456
Direxion Auspice Broad Cmdty Strat ETF ETF 25460E307 993 32,034 SH   SOLE   0 0 32,034
Linde PLC Stock G5494J103 951 3,309 SH   SOLE   0 0 3,309
ATT Inc Stock 00206R102 868 41,433 SH   SOLE   0 0 41,433
Kellogg Stock 487836108 868 12,163 SH   SOLE   0 0 12,163
Fidelity Quality Factor ETF ETF 316092790 794 17,951 SH   SOLE   0 0 17,951
BristolMyers Squibb Co Stock 110122108 778 10,100 SH   SOLE   0 0 10,100
SPDR Blmbg Intl Trs Bd ETF ETF 78464A516 771 33,275 SH   SOLE   0 0 33,275
Broadcom Inc Stock 11135F101 741 1,525 SH   SOLE   0 0 1,525
Philip Morris International Inc Stock 718172109 734 7,438 SH   SOLE   0 0 7,438
McDonald's Corp Stock 580135101 727 2,946 SH   SOLE   0 0 2,946
CROWN CASTLE INC REIT Stock 22822V101 720 4,276 SH   SOLE   0 0 4,276
Automatic Data Processing Inc Stock 053015103 714 3,400 SH   SOLE   0 0 3,400
iShares Core SP Total US Stock Mkt ETF ETF 464287150 713 8,505 SH   SOLE   0 0 8,505
Marsh McLennan Companies Inc Stock 571748102 689 4,438 SH   SOLE   0 0 4,438
Raytheon Technologies Corp Stock 75513E101 670 6,975 SH   SOLE   0 0 6,975
Apple Inc Stock 037833100 670 4,899 SH   SOLE   0 0 4,899
General Mills Inc Stock 370334104 600 7,947 SH   SOLE   0 0 7,947
ISHARES TRUST EAFE VALUE ETF ETF 464288877 562 12,958 SH   SOLE   0 0 12,958
Schwab Emerging Markets Equity ETF ETF 808524706 547 21,545 SH   SOLE   0 0 21,545
ConocoPhillips Stock 20825C104 535 5,955 SH   SOLE   0 0 5,955
American Tower Corp Stock 03027X100 529 2,070 SH   SOLE   0 0 2,070
Mastercard Inc Class A Stock 57636Q104 527 1,671 SH   SOLE   0 0 1,671
Thermo Fisher Scientific Inc Stock 883556102 456 840 SH   SOLE   0 0 840
iShares TIPS Bond ETF ETF 464287176 441 3,868 SH   SOLE   0 0 3,868
VANGUARD SMALL CP ETF ETF 922908751 430 2,441 SH   SOLE   0 0 2,441
CVS Health Corp Stock 126650100 422 4,553 SH   SOLE   0 0 4,553
Costco Wholesale Corp Stock 22160K105 421 879 SH   SOLE   0 0 879
WW Grainger Inc Stock 384802104 418 920 SH   SOLE   0 0 920
ISHARES TRUST EAFE GRWTH ETF ETF 464288885 416 5,167 SH   SOLE   0 0 5,167
S B A COMMUNICATIONS CLASS A Stock 78410G104 393 1,228 SH   SOLE   0 0 1,228
Lockheed Martin Corp Stock 539830109 391 909 SH   SOLE   0 0 909
AstraZeneca PLC ADR Stock 046353108 388 5,865 SH   SOLE   0 0 5,865
iShares Core Total USD Bond Market ETF ETF 46434V613 352 7,525 SH   SOLE   0 0 7,525
Caterpillar Inc Stock 149123101 352 1,970 SH   SOLE   0 0 1,970
Enbridge Inc Stock 29250N105 346 8,182 SH   SOLE   0 0 8,182
Duke Energy Corp Stock 26441C204 345 3,217 SH   SOLE   0 0 3,217
TMobile US Inc Stock 872590104 341 2,532 SH   SOLE   0 0 2,532
HSBC Holdings PLC ADR Stock 404280406 340 10,401 SH   SOLE   0 0 10,401
ISHARES MSCI INDO INVES ETF 46429B309 337 15,058 SH   SOLE   0 0 15,058
ISHARES MSCI MEXICO ETF 464286822 337 7,227 SH   SOLE   0 0 7,227
DEUTSCHE TELEKOM AG Stock 251566105 333 16,731 SH   SOLE   0 0 16,731
ColgatePalmolive Co Stock 194162103 330 4,117 SH   SOLE   0 0 4,117
NOVARTIS AG ADR Stock 66987V109 327 3,865 SH   SOLE   0 0 3,865
SCHWAB STRATEGIC TR 1 5YR CORP BD ETF ETF 7839989D1 317 6,683 SH   SOLE   0 0 6,683
PROSHARES ULTRA VIX ST F ETF 74347Y839 317 21,794 SH   SOLE   0 0 21,794
TotalEnergies SE ADR Stock 89151E109 310 5,880 SH   SOLE   0 0 5,880
ISHARES MSCI CHILE INVEST ETF 464286640 298 12,361 SH   SOLE   0 0 12,361
GILEAD SCIENCES INC Stock 375558103 297 4,813 SH   SOLE   0 0 4,813
Sanofi SA ADR Stock 80105N105 294 5,878 SH   SOLE   0 0 5,878
Vertex Pharmaceuticals Inc Stock 92532F100 293 1,041 SH   SOLE   0 0 1,041
COMMONWEALTH BK AUS ADR Stock 202712600 289 4,666 SH   SOLE   0 0 4,666
ISHARES MSCI BRAZIL ETF 464286400 289 10,536 SH   SOLE   0 0 10,536
Southern Co Stock 842587107 288 4,044 SH   SOLE   0 0 4,044
Walmart Inc Stock 931142103 284 2,333 SH   SOLE   0 0 2,333
Altria Group Inc Stock 02209S103 279 6,691 SH   SOLE   0 0 6,691
iShares Edge MSCI Multifactor Intl ETF ETF 46434V274 271 11,500 SH   SOLE   0 0 11,500
Waters Corp Stock 941848103 269 813 SH   SOLE   0 0 813
VICI PROPERTIES INC Stock 925652109 263 8,845 SH   SOLE   0 0 8,845
Shell PLC Stock 780259305 263 5,028 SH   SOLE   0 0 5,028
CH Robinson Worldwide Inc Stock 12541W209 263 2,592 SH   SOLE   0 0 2,592
Public Storage Stock 74460D109 258 826 SH   SOLE   0 0 826
BHP Group Ltd ADR Stock 088606108 257 4,568 SH   SOLE   0 0 4,568
BP PLC ADR Stock 055622104 251 8,863 SH   SOLE   0 0 8,863
Valero Energy Corp Stock 91913Y100 250 2,356 SH   SOLE   0 0 2,356
Vanguard ShortTerm InflProt Secs ETF ETF 922020805 248 4,957 SH   SOLE   0 0 4,957
SELECT SECTOR SPDR TRUST ENERGY ETF ETF 81369Y506 237 3,309 SH   SOLE   0 0 3,309
Microsoft Corp Stock 594918104 234 911 SH   SOLE   0 0 911
Realty Income Corp Stock 756109104 233 3,410 SH   SOLE   0 0 3,410
Mondelez International Inc Class A Stock 609207105 230 3,699 SH   SOLE   0 0 3,699
Leidos Holdings Inc Stock 525327102 227 2,250 SH   SOLE   0 0 2,250
ISHARES TRUST MSCI USA VALUE FACTOR ETF ETF 46432F388 225 2,491 SH   SOLE   0 0 2,491
VENTAS INC REIT Stock 92276F100 225 4,375 SH   SOLE   0 0 4,375
Bunge Ltd Stock G16962105 217 2,392 SH   SOLE   0 0 2,392
DIMENSIONAL ETF TR US CORE EQUITY 2 ETF ETF 25434V708 210 9,031 SH   SOLE   0 0 9,031
SCHWAB STRATEGIC TR US SML CAP ETF ETF 808524607 210 5,386 SH   SOLE   0 0 5,386
Welltower Inc Stock 95040Q104 201 2,435 SH   SOLE   0 0 2,435
Mitsubishi UFJ Financial Group Inc ADR Stock 606822104 123 22,940 SH   SOLE   0 0 22,940
ISHARES MSCI UAE ETF ETF 46434V761 171 11,039 SH   SOLE   0 0 11,039