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
ABRDN ETFS BBRG ALL COMD K1 003261104 306 13,292 SH   SOLE   13,292 0 0
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 1,209 2,917 SH   SOLE   2,917 0 0
APPLE INC COM 037833100 988 5,563 SH   SOLE   5,563 0 0
INVESCO ACTIVLY MANGD ETC FD OPTIMUM YIELD 46090F100 447 31,789 SH   SOLE   31,789 0 0
INVESCO EXCH TRADED FD TR II S&P SMLCP INDL 46138E123 9,321 94,640 SH   SOLE   94,640 0 0
INVESCO EXCH TRADED FD TR II VAR RATE PFD 46138G870 7,500 289,352 SH   SOLE   289,352 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 2,406 14,781 SH   SOLE   14,781 0 0
ISHARES INC CORE MSCI EMKT 46434G103 10,999 183,753 SH   SOLE   183,753 0 0
ISHARES TR 0-5 YR TIPS ETF 46429B747 18,091 170,867 SH   SOLE   170,867 0 0
ISHARES TR 0-5YR HI YL CP 46434V407 6,938 153,162 SH   SOLE   153,162 0 0
ISHARES TR CORE 1 5 YR USD 46432F859 12,125 240,433 SH   SOLE   240,433 0 0
ISHARES TR CORE DIV GRWTH 46434V621 3,984 71,675 SH   SOLE   71,675 0 0
ISHARES TR CORE MSCI EAFE 46432F842 15,633 209,439 SH   SOLE   209,439 0 0
ISHARES TR CORE MSCI INTL 46435G326 276 4,084 SH   SOLE   4,084 0 0
ISHARES TR CORE S&P MCP ETF 464287507 8,130 28,720 SH   SOLE   28,720 0 0
ISHARES TR CORE S&P SCP ETF 464287804 8,037 70,187 SH   SOLE   70,187 0 0
ISHARES TR CORE S&P500 ETF 464287200 23,399 49,055 SH   SOLE   49,055 0 0
ISHARES TR HDG MSCI EAFE 46434V803 1,379 39,022 SH   SOLE   39,022 0 0
ISHARES TR MBS ETF 464288588 11,820 110,021 SH   SOLE   110,021 0 0
ISHARES TR MSCI EAFE ETF 464287465 357 4,535 SH   SOLE   4,535 0 0
ISHARES TR MSCI EAFE MIN VL 46429B689 6,173 80,407 SH   SOLE   80,407 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 853 17,453 SH   SOLE   17,453 0 0
ISHARES TR MSCI USA ESG SLC 464288802 238 2,235 SH   SOLE   2,235 0 0
ISHARES TR RUS 1000 ETF 464287622 1,640 6,201 SH   SOLE   6,201 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 968 3,168 SH   SOLE   3,168 0 0
ISHARES TR RUS 1000 VAL ETF 464287598 674 4,014 SH   SOLE   4,014 0 0
ISHARES TR RUS 2000 GRW ETF 464287648 242 826 SH   SOLE   826 0 0
ISHARES TR RUS 2000 VAL ETF 464287630 215 1,296 SH   SOLE   1,296 0 0
ISHARES TR S&P 100 ETF 464287101 1,889 8,619 SH   SOLE   8,619 0 0
ISHARES TR S&P 500 GRWT ETF 464287309 10,931 130,639 SH   SOLE   130,639 0 0
ISHARES TR S&P 500 VAL ETF 464287408 10,206 65,157 SH   SOLE   65,157 0 0
ISHARES TR S&P MC 400GR ETF 464287606 735 8,623 SH   SOLE   8,623 0 0
ISHARES TR S&P MC 400VL ETF 464287705 945 8,539 SH   SOLE   8,539 0 0
ISHARES TR S&P SML 600 GWT 464287887 408 2,937 SH   SOLE   2,937 0 0
ISHARES TR SP SMCP600VL ETF 464287879 441 4,221 SH   SOLE   4,221 0 0
PIMCO ETF TR 1-5 US TIP IDX 72201R205 283 5,134 SH   SOLE   5,134 0 0
POLARITYTE INC COM 731094108 41 69,220 SH   SOLE   69,220 0 0
PRUDENTIAL FINL INC COM 744320102 1,117 10,319 SH   SOLE   10,319 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 316 3,910 SH   SOLE   3,910 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 1,344 2,830 SH   SOLE   2,830 0 0
SPDR SER TR BLOOMBERG SHT TE 78468R408 327 12,038 SH   SOLE   12,038 0 0
SPDR SER TR S&P DIVID ETF 78464A763 284 2,202 SH   SOLE   2,202 0 0
SPDR SER TR SPDR S&P1500VL 78464A128 9,397 60,357 SH   SOLE   60,357 0 0
UNITED STS COMMODITY INDEX F COMM IDX FND 911717106 497 11,439 SH   SOLE   11,439 0 0
VANGUARD INDEX FDS LARGE CAP ETF 922908637 3,147 14,238 SH   SOLE   14,238 0 0
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 263 1,034 SH   SOLE   1,034 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 4,559 17,894 SH   SOLE   17,894 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 341 780 SH   SOLE   780 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 3,887 17,197 SH   SOLE   17,197 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 339 1,403 SH   SOLE   1,403 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 482 3,274 SH   SOLE   3,274 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 4,145 83,797 SH   SOLE   83,797 0 0
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 6,114 45,638 SH   SOLE   45,638 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 19,084 111,115 SH   SOLE   111,115 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768 309 4,862 SH   SOLE   4,862 0 0
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 6,952 136,147 SH   SOLE   136,147 0 0
VANGUARD WORLD FD MEGA CAP VAL ETF 921910840 794 7,433 SH   SOLE   7,433 0 0
VANGUARD WORLD FD MEGA GRWTH IND 921910816 553 2,122 SH   SOLE   2,122 0 0