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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
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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
ABRDN SILVER ETF TRUST PHYSCL SILVR SHS 003264108   8,906,525 299,379 SH   SOLE   0 0 299,379
FIDELITY COVINGTON TRUST CONSMR STAPLES 316092303   13,368,668 261,874 SH   SOLE   0 0 261,874
FIDELITY COVINGTON TRUST HIGH DIVID ETF 316092840   14,355,122 283,418 SH   SOLE   0 0 283,418
FIDELITY COVINGTON TRUST SML MID MLTFCT 316092527   11,754,247 283,919 SH   SOLE   0 0 283,919
FLEXSHARES TR CR SCORED LONG 33939L753   11,411,047 250,407 SH   SOLE   0 0 250,407
FRANKLIN TEMPLETON ETF TR SENIOR LOAN ETF 35473P595   11,269,896 464,355 SH   SOLE   0 0 464,355
GLOBAL X FDS US INFR DEV ETF 37954Y673   4,868,652 118,286 SH   SOLE   0 0 118,286
INVESCO EXCH TRADED FD TR II S&P INTL MOMNT 46138E222   6,477,921 153,943 SH   SOLE   0 0 153,943
INVESCO EXCH TRADED FD TR II S&P MDCP 400 REV 46138G672   16,090,429 138,329 SH   SOLE   0 0 138,329
INVESCO EXCHANGE TRADED FD T S&P MDCP MOMNTUM 46137V464   11,956,229 99,362 SH   SOLE   0 0 99,362
INVESCO EXCHANGE TRADED FD T S&P SMLCP MOMENT 46137V498   7,348,083 111,015 SH   SOLE   0 0 111,015
INVESCO QQQ TR UNIT SER 1 46090E103   12,506,306 25,624 SH   SOLE   0 0 25,624
ISHARES GOLD TR ISHARES NEW 464285204   7,060,581 142,064 SH   SOLE   0 0 142,064
ISHARES TR 10-20 YR TRS ETF 464288653   11,255,086 102,946 SH   SOLE   0 0 102,946
ISHARES TR 7-10 YR TRSY BD 464287440   11,272,320 114,883 SH   SOLE   0 0 114,883
ISHARES TR HIGH YLD SYSTM B 46435G250   5,826,362 121,231 SH   SOLE   0 0 121,231
ISHARES TR INVESTMENT GRADE 46435G219   3,990,472 85,872 SH   SOLE   0 0 85,872
ISHARES TR MSCI EAFE SMCP 46435G839   3,687,253 112,857 SH   SOLE   0 0 112,857
ISHARES TR YLD OPTIM BD 46434V787   9,759,336 425,800 SH   SOLE   0 0 425,800
J P MORGAN EXCHANGE TRADED F SMALL & MID CAP 46641Q118   12,541,057 205,726 SH   SOLE   0 0 205,726
NEW YORK LIFE INVESTMENTS ET NYLI FTSE INTERN 45409B560   5,750,889 208,064 SH   SOLE   0 0 208,064
PGIM ETF TR PGIM ULTRA SH BD 69344A107   784,533 15,760 SH   SOLE   0 0 15,760
PRINCIPAL EXCHANGE TRADED FD ACTIVE HIGH YL 74255Y102   9,397,563 481,186 SH   SOLE   0 0 481,186
SCHWAB STRATEGIC TR FUNDAMENTAL EMER 808524730   6,959,348 215,660 SH   SOLE   0 0 215,660
SCHWAB STRATEGIC TR FUNDAMENTAL INTL 808524755   4,403,980 117,848 SH   SOLE   0 0 117,848
SCHWAB STRATEGIC TR FUNDAMENTAL US B 808524789   14,166,537 201,315 SH   SOLE   0 0 201,315
SCHWAB STRATEGIC TR FUNDAMENTAL US L 808524771   13,939,739 194,255 SH   SOLE   0 0 194,255
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   13,569,028 130,246 SH   SOLE   0 0 130,246
SPDR INDEX SHS FDS S&P EM MKT DIV 78463X533   6,976,409 185,198 SH   SOLE   0 0 185,198
SPDR SER TR GLB DOW ETF 78464A706   9,843,066 71,399 SH   SOLE   0 0 71,399
SPDR SER TR PORTFOLIO INTRMD 78464A375   3,089,926 91,662 SH   SOLE   0 0 91,662
SPDR SER TR PORTFOLIO SHORT 78464A474   8,031,255 265,233 SH   SOLE   0 0 265,233
SPDR SER TR S&P 600 SMCP GRW 78464A201   7,340,792 78,840 SH   SOLE   0 0 78,840
USCF ETF TR SUMMERHAVEN K1 90290T809   5,036,806 259,470 SH   SOLE   0 0 259,470
VANECK ETF TRUST IG FLOATING RATE 92189F486   13,783,320 541,159 SH   SOLE   0 0 541,159
VANGUARD INDEX FDS VALUE ETF 922908744   14,123,935 80,907 SH   SOLE   0 0 80,907
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   5,743,035 108,749 SH   SOLE   0 0 108,749
VANGUARD WELLINGTON FD US MOMENTUM 921935508   11,995,282 74,528 SH   SOLE   0 0 74,528
VANGUARD WELLINGTON FD US QUALITY 921935706   17,469,795 122,269 SH   SOLE   0 0 122,269
VANGUARD WORLD FD CONSUM STP ETF 92204A207   13,367,699 61,185 SH   SOLE   0 0 61,185
VANGUARD WORLD FD MEGA CAP INDEX 921910873   13,758,504 66,582 SH   SOLE   0 0 66,582
VICTORY PORTFOLIOS II USAA MSCI USA SM 92647N568   7,866,730 92,461 SH   SOLE   0 0 92,461