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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   8,532,115 309,471 SH   SOLE   0 0 309,471
DBX ETF TR XTRACK MSCI EAFE 233051630   4,989,336 205,407 SH   SOLE   0 0 205,407
FIDELITY COVINGTON TRUST CONSMR STAPLES 316092303   7,244,263 146,556 SH   SOLE   0 0 146,556
FIDELITY COVINGTON TRUST HIGH DIVID ETF 316092840   11,446,498 229,205 SH   SOLE   0 0 229,205
FIDELITY COVINGTON TRUST SML MID MLTFCT 316092527   16,224,809 394,093 SH   SOLE   0 0 394,093
FLEXSHARES TR CR SCORED LONG 33939L753   13,456,827 320,934 SH   SOLE   0 0 320,934
FRANKLIN TEMPLETON ETF TR SENIOR LOAN ETF 35473P595   10,673,397 439,868 SH   SOLE   0 0 439,868
GLOBAL X FDS US INFR DEV ETF 37954Y673   4,323,183 106,983 SH   SOLE   0 0 106,983
INVESCO EXCH TRADED FD TR II S&P INTL MOMNT 46138E222   8,896,421 218,908 SH   SOLE   0 0 218,908
INVESCO EXCH TRADED FD TR II S&P MDCP 400 REV 46138G672   13,170,172 113,311 SH   SOLE   0 0 113,311
INVESCO EXCHANGE TRADED FD T S&P MDCP MOMNTUM 46137V464   12,610,807 102,087 SH   SOLE   0 0 102,087
INVESCO EXCHANGE TRADED FD T S&P SMLCP MOMENT 46137V498   8,184,484 123,801 SH   SOLE   0 0 123,801
INVESCO QQQ TR UNIT SER 1 46090E103   14,982,618 29,307 SH   SOLE   0 0 29,307
ISHARES GOLD TR ISHARES NEW 464285204   7,182,960 145,081 SH   SOLE   0 0 145,081
ISHARES TR 10-20 YR TRS ETF 464288653   9,066,004 91,079 SH   SOLE   0 0 91,079
ISHARES TR 7-10 YR TRSY BD 464287440   4,161,452 45,013 SH   SOLE   0 0 45,013
ISHARES TR HIGH YLD SYSTM B 46435G250   5,704,664 121,350 SH   SOLE   0 0 121,350
ISHARES TR INTL DIV GRWTH 46435G524   5,259,221 77,387 SH   SOLE   0 0 77,387
ISHARES TR INVESTMENT GRADE 46435G219   4,028,021 90,803 SH   SOLE   0 0 90,803
ISHARES TR MSCI EAFE SMCP 46435G839   4,035,181 126,060 SH   SOLE   0 0 126,060
J P MORGAN EXCHANGE TRADED F SMALL & MID CAP 46641Q118   11,466,563 189,624 SH   SOLE   0 0 189,624
MORGAN STANLEY ETF TRUST EATON VANCE TOTA 61774R841   11,290,897 226,452 SH   SOLE   0 0 226,452
PGIM ETF TR PGIM ULTRA SH BD 69344A107   805,881 16,264 SH   SOLE   0 0 16,264
PRINCIPAL EXCHANGE TRADED FD ACTIVE HIGH YL 74255Y102   9,184,918 478,880 SH   SOLE   0 0 478,880
SCHWAB STRATEGIC TR FUNDAMENTAL EMER 808524730   9,060,666 311,899 SH   SOLE   0 0 311,899
SCHWAB STRATEGIC TR FUNDAMENTAL US B 808524789   10,723,976 461,048 SH   SOLE   0 0 461,048
SCHWAB STRATEGIC TR FUNDAMENTAL US L 808524771   10,553,181 445,658 SH   SOLE   0 0 445,658
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   14,831,884 532,181 SH   SOLE   0 0 532,181
SPDR INDEX SHS FDS S&P EM MKT DIV 78463X533   7,442,778 210,993 SH   SOLE   0 0 210,993
SPDR SER TR GLB DOW ETF 78464A706   9,907,267 75,038 SH   SOLE   0 0 75,038
SPDR SER TR PORTFOLIO SHORT 78464A474   7,485,215 250,677 SH   SOLE   0 0 250,677
SPDR SER TR S&P 600 SMCP GRW 78464A201   9,379,324 103,811 SH   SOLE   0 0 103,811
USCF ETF TR SUMMERHAVEN K1 90290T809   5,043,095 259,699 SH   SOLE   0 0 259,699
VANECK ETF TRUST IG FLOATING RATE 92189F486   11,498,743 451,817 SH   SOLE   0 0 451,817
VANGUARD BD INDEX FDS INTERMED TERM 921937819   13,832,523 185,100 SH   SOLE   0 0 185,100
VANGUARD INDEX FDS VALUE ETF 922908744   11,189,037 66,090 SH   SOLE   0 0 66,090
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   3,207,509 39,959 SH   SOLE   0 0 39,959
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   6,388,943 133,604 SH   SOLE   0 0 133,604
VANGUARD WELLINGTON FD US MOMENTUM 921935508   15,774,425 95,969 SH   SOLE   0 0 95,969
VANGUARD WELLINGTON FD US QUALITY 921935706   25,400,213 180,284 SH   SOLE   0 0 180,284
VANGUARD WORLD FD CONSUM STP ETF 92204A207   7,234,269 34,224 SH   SOLE   0 0 34,224
VANGUARD WORLD FD MEGA CAP INDEX 921910873   11,290,119 53,090 SH   SOLE   0 0 53,090
VICTORY PORTFOLIOS II USAA MSCI USA SM 92647N568   8,058,286 95,689 SH   SOLE   0 0 95,689