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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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
ABBVIE INC COM 00287Y109   208,649 1,174 SH   SOLE   325 0 849
ALPHABET INC CAP STK CL C 02079K107   266,171 1,398 SH   SOLE   0 0 1,398
ALPHABET INC CAP STK CL A 02079K305   357,089 1,886 SH   SOLE   0 0 1,886
AMAZON COM INC COM 023135106   406,289 1,852 SH   SOLE   62 0 1,790
AMERICAN CENTY ETF TR AVANTIS EMGMKT 025072604   2,176,948 37,029 SH   SOLE   0 0 37,029
AMERICAN CENTY ETF TR US SML CP VALU 025072877   2,423,228 25,103 SH   SOLE   0 0 25,103
ANGEL OAK FUNDS TRUST OAK ULTRASHORT 03463K752   976,295 19,119 SH   SOLE   0 0 19,119
APPLE INC COM 037833100   6,953,428 27,767 SH   SOLE   2,683 0 25,084
BIOLIFE SOLUTIONS INC COM NEW 09062W204   260,976 10,053 SH   SOLE   0 0 10,053
BNY MELLON ETF TRUST US LRG CP CORE 09661T107   91,640,379 817,780 SH   SOLE   1,887 0 815,892
BNY MELLON ETF TRUST US MDCP CORE EQT 09661T206   637,820 6,278 SH   SOLE   0 0 6,278
BNY MELLON ETF TRUST US SMLCP CORE 09661T305   405,510 4,022 SH   SOLE   0 0 4,022
BNY MELLON ETF TRUST INTERNATIONL EQT 09661T404   41,602,243 574,379 SH   SOLE   521 0 573,857
BNY MELLON ETF TRUST CORE BOND ETF 09661T602   12,014,546 291,474 SH   SOLE   0 0 291,474
CAMBRIA ETF TR SHSHLD YIELD ETF 132061201   551,663 8,057 SH   SOLE   0 0 8,057
EASTERN BANKSHARES INC COM 27627N105   2,016,677 116,909 SH   SOLE   0 0 116,909
META PLATFORMS INC CL A 30303M102   453,077 774 SH   SOLE   0 0 774
FIDELITY COVINGTON TRUST BLUE CHIP GRWTH 316092352   708,658 15,319 SH   SOLE   4,973 0 10,346
FIDELITY COVINGTON TRUST ENHANCED LARGE 31609A305   8,701,457 246,082 SH   SOLE   0 0 246,082
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309   13,295,299 296,307 SH   SOLE   3,234 0 293,073
FIRST MERCHANTS CORP COM 320817109   607,445 15,228 SH   SOLE   0 0 15,228
FIRST TR EXCH TRADED FD III MANAGD MUN ETF 33739N108   2,557,945 50,146 SH   SOLE   0 0 50,146
FORD MTR CO COM 345370860   498,163 50,319 SH   SOLE   0 0 50,319
INVESCO QQQ TR UNIT SER 1 46090E103   1,502,689 2,939 SH   SOLE   0 0 2,939
INVESCO EXCH TRD SLF IDX FD BULSHS 2029 MUNI 46138J478   596,775 26,015 SH   SOLE   0 0 26,015
INVESCO EXCH TRD SLF IDX FD BULSHS 2028 MUNI 46138J486   603,127 25,852 SH   SOLE   0 0 25,852
INVESCO EXCH TRD SLF IDX FD BULSHS 2027 MUNI 46138J494   648,690 27,487 SH   SOLE   0 0 27,487
INVESCO EXCH TRD SLF IDX FD BULSHS 2026 MUNI 46138J510   877,131 37,214 SH   SOLE   0 0 37,214
INVESCO EXCH TRD SLF IDX FD BULSHS 2025 MUNI 46138J528   870,247 35,506 SH   SOLE   0 0 35,506
INVESCO EXCH TRD SLF IDX FD BULSHS 2027 CB 46138J783   7,393,664 379,552 SH   SOLE   0 0 379,552
INVESCO EXCH TRD SLF IDX FD BULSHS 2026 CB 46138J791   7,959,942 409,673 SH   SOLE   0 0 409,673
INVESCO EXCH TRD SLF IDX FD BULSHS 2025 CB 46138J825   8,370,998 405,375 SH   SOLE   0 0 405,375
ISHARES GOLD TR ISHARES NEW 464285204   538,471 10,876 SH   SOLE   0 0 10,876
ISHARES INC MSCI AUST ETF 464286103   3,543,210 148,500 SH   SOLE   0 0 148,500
ISHARES INC MSCI CDA ETF 464286509   5,059,665 125,550 SH   SOLE   0 0 125,550
ISHARES TR CORE S&P TTL STK 464287150   3,423,397 26,616 SH   SOLE   5,039 0 21,577
ISHARES TR CORE S&P500 ETF 464287200   2,040,728 3,467 SH   SOLE   425 0 3,042
ISHARES TR CORE US AGGBD ET 464287226   322,420 3,327 SH   SOLE   91 0 3,236
ISHARES TR RUS 1000 ETF 464287622   5,393,031 16,740 SH   SOLE   54 0 16,686
ISHARES TR CORE MSCI EAFE 46432F842   320,849 4,565 SH   SOLE   3,845 0 720
ISHARES TR INTERNATIONAL SL 46434V266   257,040 7,963 SH   SOLE   0 0 7,963
ISHARES TR MSCI INTL QUALTY 46434V456   418,012 11,261 SH   SOLE   0 0 11,261
ISHARES TR IBONDS DEC 26 46435U259   1,726,890 67,828 SH   SOLE   0 0 67,828
ISHARES TR IBONDS DEC 27 46435U283   1,275,620 50,741 SH   SOLE   0 0 50,741
ISHARES TR IBONDS DEC 28 46435U325   1,276,602 50,699 SH   SOLE   0 0 50,699
ISHARES TR IBONDS DEC 25 46435U432   2,203,732 82,800 SH   SOLE   3,536 0 79,265
ISHARES TR ESG AWR US AGRGT 46435U549   2,628,425 56,598 SH   SOLE   0 0 56,598
ISHARES TR IBONDS DEC 2029 46436E163   247,976 9,927 SH   SOLE   0 0 9,927
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332   234,958 4,084 SH   SOLE   0 0 4,084
J P MORGAN EXCHANGE TRADED F CORE PLUS BD ETF 46641Q670   47,406,180 1,029,003 SH   SOLE   3,909 0 1,025,094
ELI LILLY & CO COM 532457108   473,236 613 SH   SOLE   415 0 198
MATTHEWS ASIA FDS ASIA INNOV ACTIV 577125826   429,186 15,664 SH   SOLE   0 0 15,664
MCDONALDS CORP COM 580135101   536,586 1,851 SH   SOLE   162 0 1,689
MICROSOFT CORP COM 594918104   4,554,445 10,805 SH   SOLE   998 0 9,807
NEXTERA ENERGY INC COM 65339F101   498,532 6,954 SH   SOLE   6,807 0 147
NVIDIA CORPORATION COM 67066G104   289,345 2,155 SH   SOLE   0 0 2,155
PACER FDS TR US CASH COWS 100 69374H881   2,117,162 37,485 SH   SOLE   0 0 37,485
PIMCO ETF TR MULTISECTOR BD 72201R585   5,156,841 198,952 SH   SOLE   0 0 198,952
PROCTER AND GAMBLE CO COM 742718109   226,986 1,354 SH   SOLE   160 0 1,194
PUTNAM ETF TRUST SUSTAINABLE FUTU 746729201   252,463 10,196 SH   SOLE   0 0 10,196
PUTNAM ETF TRUST FOCUSED LAR CAP 746729300   1,097,044 29,554 SH   SOLE   0 0 29,554
SPDR S&P 500 ETF TR TR UNIT 78462F103   84,022,218 143,363 SH   SOLE   1,034 0 142,329
SPDR GOLD TR GOLD SHS 78463V107   836,317 3,454 SH   SOLE   390 0 3,064
SPDR INDEX SHS FDS MSCI EMRG MKTS 78463X426   203,688 3,570 SH   SOLE   0 0 3,570
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   5,462,242 160,042 SH   SOLE   6,700 0 153,342
SPDR SER TR PORTFOLIO AGRGTE 78464A649   4,326,185 173,117 SH   SOLE   1,795 0 171,321
SPDR SER TR PORTFLI INTRMDIT 78464A672   33,365,201 1,196,743 SH   SOLE   1,098 0 1,195,645
SPDR SER TR S&P DIVID ETF 78464A763   582,408 4,409 SH   SOLE   0 0 4,409
SPDR SER TR PORTFOLI S&P1500 78464A805   12,318,540 172,456 SH   SOLE   0 0 172,456
SPDR SER TR PORTFOLIO S&P400 78464A847   367,314 6,716 SH   SOLE   0 0 6,716
SPDR SER TR PORTFOLIO S&P500 78464A854   1,681,581 24,392 SH   SOLE   0 0 24,392
SPDR SER TR PORTFOLIO SH TSR 78468R101   2,229,243 76,844 SH   SOLE   0 0 76,844
SPDR SER TR BLOOMBERG 1-3 MO 78468R663   2,288,496 25,030 SH   SOLE   605 0 24,425
SPDR SER TR SPDR MSCI USA GE 78468R747   279,887 2,417 SH   SOLE   0 0 2,417
SPDR SER TR MSCI USA STRTGIC 78468R812   1,412,842 9,124 SH   SOLE   0 0 9,124
SPDR SER TR PORTFOLIO S&P600 78468R853   269,144 5,992 SH   SOLE   0 0 5,992
SSGA ACTIVE TR SPDR DBLELN EMRG 78470P309   616,179 14,634 SH   SOLE   0 0 14,634
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   229,361 10,104 SH   SOLE   0 0 10,104
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   5,158,536 222,543 SH   SOLE   0 0 222,543
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   2,677,102 96,057 SH   SOLE   0 0 96,057
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   238,426 9,146 SH   SOLE   0 0 9,146
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   2,633,232 95,028 SH   SOLE   2,226 0 92,803
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   388,297 15,015 SH   SOLE   0 0 15,015
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   689,476 25,237 SH   SOLE   0 0 25,237
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   422,311 22,828 SH   SOLE   0 0 22,828
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854   9,613,976 395,800 SH   SOLE   0 0 395,800
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   210,748 8,759 SH   SOLE   0 0 8,759
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   1,584,165 6,813 SH   SOLE   920 0 5,893
SPROTT PHYSICAL GOLD TR UNIT 85207H104   1,713,753 85,092 SH   SOLE   0 0 85,092
TESLA INC COM 88160R101   230,189 570 SH   SOLE   0 0 570
VANECK ETF TRUST REAL ASSETS ETF 92189F130   501,671 17,796 SH   SOLE   0 0 17,796
VANECK ETF TRUST MRNGSTR WDE MOAT 92189F643   5,684,620 61,306 SH   SOLE   0 0 61,306
VANECK ETF TRUST CLO ETF 92189H748   867,900 16,447 SH   SOLE   0 0 16,447
VANGUARD WORLD FD ESG US STK ETF 921910733   428,800 4,088 SH   SOLE   0 0 4,088
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   246,789 1,934 SH   SOLE   0 0 1,934
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676   293,021 7,407 SH   SOLE   0 0 7,407
VANGUARD WORLD FD MATERIALS ETF 92204A801   1,100,179 5,857 SH   SOLE   0 0 5,857
VANGUARD SCOTTSDALE FDS VNG RUS2000IDX 92206C664   312,890 3,503 SH   SOLE   0 0 3,503
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   1,277,355 14,339 SH   SOLE   0 0 14,339
VANGUARD INDEX FDS SML CP GRW ETF 922908595   1,393,579 4,976 SH   SOLE   0 0 4,976
VANGUARD INDEX FDS MID CAP ETF 922908629   2,023,922 7,663 SH   SOLE   0 0 7,663
VANGUARD INDEX FDS LARGE CAP ETF 922908637   201,196 746 SH   SOLE   0 0 746
VANGUARD INDEX FDS EXTEND MKT ETF 922908652   231,273 1,217 SH   SOLE   0 0 1,217
VANGUARD INDEX FDS GROWTH ETF 922908736   5,377,138 13,101 SH   SOLE   0 0 13,101
VANGUARD INDEX FDS VALUE ETF 922908744   525,299 3,103 SH   SOLE   1,327 0 1,776
VANGUARD INDEX FDS SMALL CP ETF 922908751   273,679 1,139 SH   SOLE   0 0 1,139
VANGUARD INDEX FDS TOTAL STK MKT 922908769   371,356 1,281 SH   SOLE   0 0 1,281
WISDOMTREE TR GLB US QTLY DIV 97717W844   4,605,955 128,014 SH   SOLE   0 0 128,014
WISDOMTREE TR US QTLY DIV GRT 97717X669   2,278,057 28,148 SH   SOLE   0 0 28,148
WORLD GOLD TR SPDR GLD MINIS 98149E303   22,500,544 432,786 SH   SOLE   0 0 432,786