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
AT&T INC COM 00206R102   285,841 14,849 SH   SOLE 0 0 0 14,849
CION INVT CORP COM 17259U204   191,226 19,374 SH   SOLE 0 0 0 19,374
DBX ETF TR XTRACKERS HIGH 233051259   209,566 5,272 SH   SOLE 0 0 0 5,272
DISNEY WALT CO COM 254687106   202,663 2,024 SH   SOLE 0 0 0 2,024
FIRST TR EXCH TRADED FD III SHRT DUR MNG MUN 33739P830   1,595,887 80,276 SH   SOLE 0 0 0 80,276
GLOBAL X FDS NASDAQ 100 COVER 37954Y483   593,859 34,627 SH   SOLE 0 0 0 34,627
GLOBAL X FDS SUPERDIVIDEND 37960A669   530,058 23,006 SH   SOLE 0 0 0 23,006
INDEXIQ ACTIVE ETF TR IQ MACKAY INTRME 45409F827   870,535 35,402 SH   SOLE 0 0 0 35,402
INVESCO ACTVELY MNGD ETC FD OPTIMUM YIELD 46090F100   342,446 24,082 SH   SOLE 0 0 0 24,082
INVESCO EXCH TRADED FD TR II NASDAQ 100 ETF 46138G649   487,249 3,691 SH   SOLE 0 0 0 3,691
ISHARES INC MSCI EMERG MRKT 464286533   611,075 11,198 SH   SOLE 0 0 0 11,198
ISHARES INC CORE MSCI EMKT 46434G103   4,946,281 101,379 SH   SOLE 0 0 0 101,379
ISHARES INC MSCI GERMANY ETF 464286806   350,428 12,313 SH   SOLE 0 0 0 12,313
ISHARES TR U.S. TECH ETF 464287721   3,674,998 39,597 SH   SOLE 0 0 0 39,597
ISHARES TR CORE S&P SCP ETF 464287804   2,236,381 23,127 SH   SOLE 0 0 0 23,127
ISHARES TR CORE S&P500 ETF 464287200   42,555,145 103,520 SH   SOLE 0 0 0 103,520
ISHARES TR CORE S&P US VLU 464287663   517,714 7,017 SH   SOLE 0 0 0 7,017
ISHARES TR EAFE VALUE ETF 464288877   6,681,707 137,682 SH   SOLE 0 0 0 137,682
ISHARES TR EAFE GRWTH ETF 464288885   8,226,821 87,818 SH   SOLE 0 0 0 87,818
ISHARES TR SHORT TREAS BD 464288679   18,113,492 163,923 SH   SOLE 0 0 0 163,923
ISHARES TR USD INV GRDE ETF 464288620   1,965,405 38,796 SH   SOLE 0 0 0 38,796
ISHARES TR ISHS 1-5YR INVS 464288646   402,728 7,969 SH   SOLE 0 0 0 7,969
ISHARES TR 10-20 YR TRS ETF 464288653   1,922,898 16,788 SH   SOLE 0 0 0 16,788
ISHARES TR MSCI UK ETF NEW 46435G334   381,571 11,828 SH   SOLE 0 0 0 11,828
ISHARES TR 1 3 YR TREAS BD 464287457   1,280,957 15,591 SH   SOLE 0 0 0 15,591
ISHARES TR CORE US AGGBD ET 464287226   401,828 4,033 SH   SOLE 0 0 0 4,033
ISHARES TR TIPS BD ETF 464287176   332,294 3,014 SH   SOLE 0 0 0 3,014
ISHARES TR CORE MSCI TOTAL 46432F834   5,428,555 87,628 SH   SOLE 0 0 0 87,628
ISHARES TR CORE MSCI EAFE 46432F842   2,609,557 39,036 SH   SOLE 0 0 0 39,036
ISHARES TR US TREAS BD ETF 46429B267   4,543,131 194,317 SH   SOLE 0 0 0 194,317
ISHARES TR MSCI USA QLT FCT 46432F339   8,300,694 66,906 SH   SOLE 0 0 0 66,906
ISHARES TR IBONDS DEC23 ETF 46434VAX8   636,789 25,279 SH   SOLE 0 0 0 25,279
ISHARES TR IBONDS DEC25 ETF 46434VBD1   342,757 13,973 SH   SOLE 0 0 0 13,973
ISHARES TR IBONDS DEC24 ETF 46434VBG4   813,627 33,088 SH   SOLE 0 0 0 33,088
ISHARES TR CONV BD ETF 46435G102   208,274 2,868 SH   SOLE 0 0 0 2,868
ISHARES TR CORE TOTAL USD 46434V613   7,760,538 168,159 SH   SOLE 0 0 0 168,159
ISHARES TR FALN ANGLS USD 46435G474   234,000 9,260 SH   SOLE 0 0 0 9,260
ISHARES TR ESG AWR MSCI USA 46435G425   7,252,437 80,182 SH   SOLE 0 0 0 80,182
ISHARES TR MSCI USA MIN VOL 46429B697   2,559,139 35,182 SH   SOLE 0 0 0 35,182
ISHARES TR CORE HIGH DV ETF 46429B663   399,524 3,930 SH   SOLE 0 0 0 3,930
ISHARES TR MSCI CHINA ETF 46429B671   364,147 7,299 SH   SOLE 0 0 0 7,299
ISHARES TR SHRT NAT MUN ETF 464288158   1,533,143 14,646 SH   SOLE 0 0 0 14,646
ISHARES TR MBS ETF 464288588   4,991,987 52,697 SH   SOLE 0 0 0 52,697
ISHARES TR NATIONAL MUN ETF 464288414   408,658 3,793 SH   SOLE 0 0 0 3,793
ISHARES TR JPMORGAN USD EMG 464288281   601,458 6,971 SH   SOLE 0 0 0 6,971
ISHARES TR BB RAT CORP BD 46435U473   1,162,713 25,571 SH   SOLE 0 0 0 25,571
ISHARES TR US INFRASTRUC 46435U713   968,417 25,949 SH   SOLE 0 0 0 25,949
ISHARES TR IBONDS 25 TRM TS 46436E866   1,083,439 46,045 SH   SOLE 0 0 0 46,045
ISHARES TR IBONDS 24 TRM TS 46436E874   1,097,521 45,711 SH   SOLE 0 0 0 45,711
ISHARES TR IBONDS 23 TRM TS 46436E882   1,089,407 43,910 SH   SOLE 0 0 0 43,910
J P MORGAN EXCHANGE TRADED F MUNICIPAL ETF 46641Q647   484,451 9,568 SH   SOLE 0 0 0 9,568
J P MORGAN EXCHANGE TRADED F BETABULDRS JAPAN 46641Q217   393,637 8,133 SH   SOLE 0 0 0 8,133
LOCKHEED MARTIN CORP COM 539830109   319,093 675 SH   SOLE 0 0 0 675
PACER FDS TR PACER US SMALL 69374H857   919,568 24,161 SH   SOLE 0 0 0 24,161
PIMCO ETF TR ENHAN SHRT MA AC 72201R833   976,124 9,835 SH   SOLE 0 0 0 9,835
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   222,531 4,561 SH   SOLE 0 0 0 4,561
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730   316,716 12,158 SH   SOLE 0 0 0 12,158
SELECT SECTOR SPDR TR ENERGY 81369Y506   265,884 3,210 SH   SOLE 0 0 0 3,210
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704   305,564 3,020 SH   SOLE 0 0 0 3,020
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   684,054 4,530 SH   SOLE 0 0 0 4,530
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308   266,939 3,573 SH   SOLE 0 0 0 3,573
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   455,958 3,522 SH   SOLE 0 0 0 3,522
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407   264,387 1,768 SH   SOLE 0 0 0 1,768
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852   265,097 4,573 SH   SOLE 0 0 0 4,573
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   1,845,583 57,459 SH   SOLE 0 0 0 57,459
SPDR S&P 500 ETF TR TR UNIT 78462F103   482,492 1,179 SH   SOLE 0 0 0 1,179
SPDR SER TR S&P 600 SMCP VAL 78464A300   284,608 3,736 SH   SOLE 0 0 0 3,736
SPDR SER TR S&P 600 SMCP GRW 78464A201   498,181 6,755 SH   SOLE 0 0 0 6,755
SPDR SER TR PRTFLO S&P500 GW 78464A409   253,826 4,585 SH   SOLE 0 0 0 4,585
SPDR SER TR PRTFLO S&P500 VL 78464A508   459,973 11,296 SH   SOLE 0 0 0 11,296
SPDR SER TR PORTFOLIO S&P500 78464A854   326,230 6,775 SH   SOLE 0 0 0 6,775
SPDR SER TR S&P 400 MDCP VAL 78464A839   2,008,369 30,393 SH   SOLE 0 0 0 30,393
SPDR SER TR S&P METALS MNG 78464A755   205,676 3,869 SH   SOLE 0 0 0 3,869
SPDR SER TR S&P 400 MDCP GRW 78464A821   1,092,850 15,968 SH   SOLE 0 0 0 15,968
SPDR SER TR PORTFOLIO S&P600 78468R853   212,607 5,629 SH   SOLE 0 0 0 5,629
SPDR SER TR PRTFLO S&P500 HI 78468R788   266,161 7,004 SH   SOLE 0 0 0 7,004
VANECK ETF TRUST MRNGSTR WDE MOAT 92189F643   396,098 5,365 SH   SOLE 0 0 0 5,365
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   241,941 3,277 SH   SOLE 0 0 0 3,277
VANGUARD INDEX FDS TOTAL STK MKT 922908769   4,230,585 20,728 SH   SOLE 0 0 0 20,728
VANGUARD INDEX FDS VALUE ETF 922908744   428,970 3,106 SH   SOLE 0 0 0 3,106
VANGUARD INDEX FDS MID CAP ETF 922908629   941,758 4,465 SH   SOLE 0 0 0 4,465
VANGUARD INDEX FDS GROWTH ETF 922908736   281,119 1,127 SH   SOLE 0 0 0 1,127
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   524,242 1,394 SH   SOLE 0 0 0 1,394
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   350,228 8,669 SH   SOLE 0 0 0 8,669
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   1,326,553 29,368 SH   SOLE 0 0 0 29,368
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   275,039 2,607 SH   SOLE 0 0 0 2,607
VANGUARD WORLD FDS COMM SRVC ETF 92204A884   331,288 3,427 SH   SOLE 0 0 0 3,427
VANGUARD WORLD FDS FINANCIALS ETF 92204A405   296,683 3,809 SH   SOLE 0 0 0 3,809
VANGUARD WORLD FDS CONSUM STP ETF 92204A207   322,791 1,668 SH   SOLE 0 0 0 1,668
WORLD GOLD TR SPDR GLD MINIS 98149E303   972,001 24,853 SH   SOLE 0 0 0 24,853