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
FIDELITY COVINGTON TRUST MSCI HLTH CARE I 316092600   220,036 3,486 SH   SOLE   0 0 3,486
FIDELITY MERRIMACK STR TR LTD TRM BD ETF 316188200   256,432 5,342 SH   SOLE   0 0 5,342
FLEXSHARES TR CRE SLCT BD FD 33939L670   324,617 14,672 SH   SOLE   0 0 14,672
FLEXSHARES TR HIG YLD VL ETF 33939L662   224,389 5,549 SH   SOLE   0 0 5,549
FLEXSHARES TR QUALT DIVD IDX 33939L860   203,762 3,526 SH   SOLE   0 0 3,526
INVESCO EXCH TRADED FD TR II S&P 500 REVENUE 46138G698   6,164,640 77,058 SH   SOLE   37,800 0 39,258
INVESCO EXCH TRADED FD TR II S&P500 HDL VOL 46138E362   1,423,154 34,417 SH   SOLE   0 0 34,417
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354   1,507,949 24,008 SH   SOLE   24,000 0 8
INVESCO EXCH TRD SLF IDX FD BULSHS 2025 CB 46138J825   424,583 21,092 SH   SOLE   0 0 21,092
INVESCO EXCH TRD SLF IDX FD BULSHS 2023 CB 46138J866   1,206,690 57,000 SH   SOLE   57,000 0 0
INVESCO QQQ TR UNIT SER 1 46090E103   2,123,451 5,748 SH   SOLE   5,700 0 48
ISHARES INC CORE MSCI EMKT 46434G103   667,362 13,540 SH   SOLE   0 0 13,540
ISHARES TR 10+ YR INVST GRD 464289511   681,186 13,214 SH   SOLE   0 0 13,214
ISHARES TR SHORT TREAS BD 464288679   1,214,287 10,994 SH   SOLE   0 0 10,994
ISHARES TR 10-20 YR TRS ETF 464288653   236,938 2,139 SH   SOLE   0 0 2,139
ISHARES TR MSCI USA MIN VOL 46429B697   5,527,328 74,362 SH   SOLE   32,400 0 41,962
ISHARES TR MBS ETF 464288588   710,501 7,618 SH   SOLE   0 0 7,618
ISHARES TR CYBERSECURITY 46435U135   854,732 22,600 SH   SOLE   22,600 0 0
ISHARES TR MSCI USA QLT FCT 46432F339   1,329,308 9,856 SH   SOLE   0 0 9,856
ISHARES TR U.S. TECH ETF 464287721   1,653,733 15,190 SH   SOLE   0 0 15,190
ISHARES TR US TREAS BD ETF 46429B267   630,918 27,551 SH   SOLE   0 0 27,551
ISHARES TR EAFE GRWTH ETF 464288885   1,077,379 11,292 SH   SOLE   0 0 11,292
ISHARES TR CORE S&P500 ETF 464287200   3,853,510 8,646 SH   SOLE   0 0 8,646
ISHARES TR CORE TOTAL USD 46434V613   1,963,326 43,179 SH   SOLE   0 0 43,179
ISHARES TR IBONDS DEC24 ETF 46434VBG4   465,318 18,900 PRN   SOLE   18,900 0 0
ISHARES TR US INFRASTRUC 46435U713   1,036,492 26,522 SH   SOLE   23,400 0 3,122
ISHARES TR S&P 500 GRWT ETF 464287309   200,446 2,844 SH   SOLE   0 0 2,844
ISHARES TR IBONDS DEC23 ETF 46434VAX8   2,955,743 116,874 PRN   SOLE   115,800 0 1,074
ISHARES TR US AER DEF ETF 464288760   993,092 8,512 SH   SOLE   0 0 8,512
ISHARES TR IBONDS 24 TRM HG 46435U184   2,931,160 127,000 SH   SOLE   127,000 0 0
ISHARES TR ISHS 5-10YR INVT 464288638   3,172,382 62,732 SH   SOLE   0 0 62,732
ISHARES TR EAFE VALUE ETF 464288877   689,824 14,095 SH   SOLE   0 0 14,095
ISHARES TR CORE MSCI EAFE 46432F842   209,761 3,107 SH   SOLE   0 0 3,107
ISHARES TR IBONDS 23 TRM TS 46436E882   1,307,487 52,700 SH   SOLE   52,700 0 0
ISHARES TR IBONDS 2026 TERM 46436E528   3,818,582 167,847 SH   SOLE   0 0 167,847
ISHARES TR ESG AWR MSCI USA 46435G425   641,515 6,582 SH   SOLE   0 0 6,582
ISHARES TR ISHARES SEMICDTR 464287523   1,724,684 3,400 SH   SOLE   3,400 0 0
MCDONALDS CORP COM 580135101   1,134,555 3,802 SH   SOLE   3,800 0 2
MICROSOFT CORP COM 594918104   2,712,088 7,964 SH   SOLE   7,800 0 164
MONDELEZ INTL INC CL A 609207105   379,288 5,200 SH   SOLE   5,200 0 0
ON HLDG AG NAMEN AKT A H5919C104   363,000 11,000 SH   SOLE   11,000 0 0
PALO ALTO NETWORKS INC COM 697435105   1,916,836 7,502 SH   SOLE   7,500 0 2
PIMCO ETF TR 0-5 HIGH YIELD 72201R783   205,544 2,254 SH   SOLE   0 0 2,254
QUANTA SVCS INC COM 74762E102   912,522 4,645 SH   SOLE   4,500 0 145
SALESFORCE INC COM 79466L302   1,267,771 6,001 SH   SOLE   6,000 0 1
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854   695,289 14,109 SH   SOLE   0 0 14,109
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   1,171,097 16,126 SH   SOLE   0 0 16,126
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   1,417,654 8,154 SH   SOLE   8,100 0 54
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308   494,931 6,673 SH   SOLE   0 0 6,673
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   3,961,199 29,844 SH   SOLE   7,900 0 21,944
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100   3,264,499 39,393 SH   SOLE   11,400 0 27,993
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704   3,478,135 32,409 SH   SOLE   23,800 0 8,609
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   257,897 7,926 SH   SOLE   0 0 7,926
SPDR S&P 500 ETF TR TR UNIT 78462F103   439,784 988 SH   SOLE   0 0 988
SPDR SER TR S&P REGL BKG 78464A698   523,723 12,827 SH   SOLE   0 0 12,827
SPDR SER TR PORTFOLIO SHORT 78464A474   3,354,952 113,959 SH   SOLE   113,600 0 359
SPDR SER TR BLOOMBERG SHT TE 78468R408   201,706 8,166 SH   SOLE   0 0 8,166
SPDR SER TR BBG CONV SEC ETF 78464A359   863,809 12,349 SH   SOLE   0 0 12,349
SSGA ACTIVE TR SPDR SSGA US SCT 78470P408   307,349 7,088 SH   SOLE   0 0 7,088
UBER TECHNOLOGIES INC COM 90353T100   302,190 7,000 SH   SOLE   7,000 0 0
UNITEDHEALTH GROUP INC COM 91324P102   1,349,157 2,807 SH   SOLE   2,800 0 7
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   216,122 2,973 SH   SOLE   0 0 2,973
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   1,466,516 19,406 SH   SOLE   0 0 19,406
VANGUARD BD INDEX FDS INTERMED TERM 921937819   232,393 3,089 SH   SOLE   0 0 3,089
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   463,181 9,476 SH   SOLE   0 0 9,476
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538   635,215 3,087 SH   SOLE   0 0 3,087
VANGUARD INDEX FDS TOTAL STK MKT 922908769   265,215 1,204 SH   SOLE   0 0 1,204
VANGUARD INDEX FDS GROWTH ETF 922908736   688,319 2,433 SH   SOLE   0 0 2,433
VANGUARD INDEX FDS VALUE ETF 922908744   580,056 4,082 SH   SOLE   0 0 4,082
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   2,917,988 7,164 SH   SOLE   6,900 0 264
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   280,641 6,899 SH   SOLE   0 0 6,899
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874   2,141,188 34,703 SH   SOLE   16,600 0 18,103
VANGUARD SCOTTSDALE FDS LG-TERM COR BD 92206C813   2,753,822 35,085 SH   SOLE   0 0 35,085
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   779,737 16,885 SH   SOLE   0 0 16,885
VANGUARD WELLINGTON FD US MULTIFACTOR 921935607   2,593,073 24,955 SH   SOLE   7,100 0 17,855
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504   2,247,202 9,179 SH   SOLE   8,900 0 279
VANGUARD WORLD FDS INF TECH ETF 92204A702   3,227,771 7,300 SH   SOLE   0 0 7,300
VANGUARD WORLD FDS COMM SRVC ETF 92204A884   1,031,953 9,707 SH   SOLE   9,700 0 7
YUM BRANDS INC COM 988498101   346,375 2,500 SH   SOLE   2,500 0 0