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
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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 575 21,171 SH   SOLE   0 0 21,171
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 810 2,917 SH   SOLE   0 0 2,917
APPLE INC COM 037833100 772 5,645 SH   SOLE   0 0 5,645
BLACKROCK INC COM 09247X101 2,232 3,664 SH   SOLE   0 0 3,664
FIRST TR EXCH TRADED FD III PFD SECS INC ETF 33739E108 3,226 187,210 SH   SOLE   0 0 187,210
INVESCO ACTVELY MNGD ETC FD OPTIMUM YIELD 46090F100 438 24,261 SH   SOLE   0 0 24,261
INVESCO EXCH TRADED FD TR II S&P SMLCP INDL 46138E123 8,025 98,462 SH   SOLE   0 0 98,462
INVESCO EXCH TRADED FD TR II VAR RATE PFD 46138G870 3,452 155,554 SH   SOLE   0 0 155,554
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 2,091 15,575 SH   SOLE   0 0 15,575
ISHARES INC CORE MSCI EMKT 46434G103 9,296 189,492 SH   SOLE   0 0 189,492
ISHARES TR 0-5 YR TIPS ETF 46429B747 17,287 170,429 SH   SOLE   0 0 170,429
ISHARES TR 0-5YR HI YL CP 46434V407 3,142 77,488 SH   SOLE   0 0 77,488
ISHARES TR CORE 1 5 YR USD 46432F859 10,084 212,741 SH   SOLE   0 0 212,741
ISHARES TR CORE DIV GRWTH 46434V621 3,288 69,027 SH   SOLE   0 0 69,027
ISHARES TR CORE MSCI EAFE 46432F842 16,409 278,832 SH   SOLE   0 0 278,832
ISHARES TR CORE MSCI INTL 46435G326 224 4,177 SH   SOLE   0 0 4,177
ISHARES TR CORE S&P MCP ETF 464287507 6,547 28,941 SH   SOLE   0 0 28,941
ISHARES TR CORE S&P SCP ETF 464287804 6,366 68,893 SH   SOLE   0 0 68,893
ISHARES TR CORE S&P500 ETF 464287200 18,450 48,660 SH   SOLE   0 0 48,660
ISHARES TR HDG MSCI EAFE 46434V803 1,238 38,907 SH   SOLE   0 0 38,907
ISHARES TR MBS ETF 464288588 10,041 102,993 SH   SOLE   0 0 102,993
ISHARES TR MSCI EAFE ETF 464287465 2,316 37,056 SH   SOLE   0 0 37,056
ISHARES TR MSCI EMG MKT ETF 464287234 2,151 53,636 SH   SOLE   0 0 53,636
ISHARES TR NATIONAL MUN ETF 464288414 379 3,568 SH   SOLE   0 0 3,568
ISHARES TR RUS 1000 ETF 464287622 1,370 6,595 SH   SOLE   0 0 6,595
ISHARES TR RUS 1000 GRW ETF 464287614 697 3,188 SH   SOLE   0 0 3,188
ISHARES TR RUS 1000 VAL ETF 464287598 798 5,506 SH   SOLE   0 0 5,506
ISHARES TR RUS 2000 GRW ETF 464287648 211 1,021 SH   SOLE   0 0 1,021
ISHARES TR RUS 2000 VAL ETF 464287630 205 1,503 SH   SOLE   0 0 1,503
ISHARES TR RUS MID CAP ETF 464287499 678 10,488 SH   SOLE   0 0 10,488
ISHARES TR RUSSELL 2000 ETF 464287655 809 4,777 SH   SOLE   0 0 4,777
ISHARES TR S&P 100 ETF 464287101 994 5,764 SH   SOLE   0 0 5,764
ISHARES TR S&P 500 GRWT ETF 464287309 8,312 137,730 SH   SOLE   0 0 137,730
ISHARES TR S&P 500 VAL ETF 464287408 8,231 59,877 SH   SOLE   0 0 59,877
ISHARES TR S&P MC 400GR ETF 464287606 576 9,038 SH   SOLE   0 0 9,038
ISHARES TR S&P MC 400VL ETF 464287705 781 8,272 SH   SOLE   0 0 8,272
ISHARES TR S&P SML 600 GWT 464287887 308 2,927 SH   SOLE   0 0 2,927
ISHARES TR SP SMCP600VL ETF 464287879 342 3,845 SH   SOLE   0 0 3,845
PIMCO ETF TR 1-5 US TIP IDX 72201R205 264 5,041 SH   SOLE   0 0 5,041
PRUDENTIAL FINL INC COM 744320102 810 8,470 SH   SOLE   0 0 8,470
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 286 3,999 SH   SOLE   0 0 3,999
SPDR S&P 500 ETF TR TR UNIT 78462F103 2,327 6,170 SH   SOLE   0 0 6,170
SPDR SER TR BLOOMBERG SHT TE 78468R408 3,453 143,150 SH   SOLE   0 0 143,150
SPDR SER TR NUVEEN BLMBRG SH 78468R739 370 7,819 SH   SOLE   0 0 7,819
SPDR SER TR S&P DIVID ETF 78464A763 252 2,121 SH   SOLE   0 0 2,121
SPDR SER TR SPDR S&P1500VL 78464A128 8,019 59,901 SH   SOLE   0 0 59,901
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 1,216 15,839 SH   SOLE   0 0 15,839
VANGUARD INDEX FDS LARGE CAP ETF 922908637 2,431 14,105 SH   SOLE   0 0 14,105
VANGUARD INDEX FDS MID CAP ETF 922908629 3,353 17,022 SH   SOLE   0 0 17,022
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 271 780 SH   SOLE   0 0 780
VANGUARD INDEX FDS SMALL CP ETF 922908751 2,971 16,869 SH   SOLE   0 0 16,869
VANGUARD INDEX FDS TOTAL STK MKT 922908769 274 1,454 SH   SOLE   0 0 1,454
VANGUARD INDEX FDS VALUE ETF 922908744 389 2,946 SH   SOLE   0 0 2,946
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 3,404 81,723 SH   SOLE   0 0 81,723
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 5,109 49,499 SH   SOLE   0 0 49,499
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771 401 8,389 SH   SOLE   0 0 8,389
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 16,148 112,554 SH   SOLE   0 0 112,554
VANGUARD TAX-MANAGED INTL FD VAN FTSE DEV MKT 921943858 6,348 155,581 SH   SOLE   0 0 155,581
VANGUARD WORLD FD MEGA CAP VAL ETF 921910840 676 7,030 SH   SOLE   0 0 7,030
VANGUARD WORLD FD MEGA GRWTH IND 921910816 386 2,124 SH   SOLE   0 0 2,124