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
Estimated average burden
hours per response: 23.8
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
BRITISH AMERN TOB PLC SPONSORED ADR 110448107   368,867 12,094 SH   DFND 1 0 0 12,094
CHEVRON CORP NEW COM 166764100   210,084 1,332 SH   DFND 1 0 0 1,332
CITIGROUP INC COM NEW 172967424   235,082 3,717 SH   DFND 1 0 0 3,717
COCA COLA CO COM 191216100   373,333 6,102 SH   DFND 1 0 0 6,102
CROCS INC COM 227046109   254,670 1,771 SH   DFND 1 0 0 1,771
DBX ETF TR XTRACK MSCI EAFE 233051200   464,637 11,352 SH   SOLE   0 0 11,352
DISNEY WALT CO COM 254687106   383,711 3,136 SH   DFND 1 0 0 3,136
FIDELITY COVINGTON TRUST FIDELITY FUND LR 316092337   295,875 13,535 SH   SOLE   0 0 13,535
FIDELITY COVINGTON TRUST BLUE CHIP GRWTH 316092352   540,930 14,061 SH   SOLE   0 0 14,061
FIDELITY COVINGTON TRUST VLU FACTOR ETF 316092782   271,063 4,751 SH   SOLE   0 0 4,751
FIDELITY COVINGTON TRUST MSCI INFO TECH I 316092808   1,425,734 9,149 SH   SOLE   0 0 9,149
FIDELITY COVINGTON TRUST HIGH DIVID ETF 316092840   1,100,084 24,279 SH   SOLE   0 0 24,279
GILEAD SCIENCES INC COM 375558103   3,103,332 42,366 SH   DFND 1 0 0 42,366
HOME DEPOT INC COM 437076102   346,162 902 SH   DFND 1 0 0 902
INTEL CORP COM 458140100   251,964 5,704 SH   DFND 1 0 0 5,704
ISHARES GOLD TR ISHARES NEW 464285204   606,498 14,437 SH   SOLE   0 0 14,437
ISHARES INC MSCI EMERG MRKT 464286533   525,214 9,281 SH   SOLE   0 0 9,281
ISHARES INC MSCI EQUAL WEITE 464286681   10,442,725 114,768 SH   DFND 1 0 0 114,768
ISHARES TR CORE S&P500 ETF 464287200   20,188,854 38,402 SH   DFND 1 0 0 38,402
ISHARES TR IBOXX INV CP ETF 464287242   419,820 3,855 SH   DFND 1 0 0 3,855
ISHARES TR LATN AMER 40 ETF 464287390   3,207,349 112,776 SH   SOLE   0 0 112,776
ISHARES TR 7-10 YR TRSY BD 464287440   235,471 2,487 SH   DFND 1 0 0 2,487
ISHARES TR 1 3 YR TREAS BD 464287457   603,568 7,380 SH   SOLE   0 0 7,380
ISHARES TR CORE S&P MCP ETF 464287507   349,862 5,760 SH   SOLE   0 0 5,760
ISHARES TR ISHARES SEMICDTR 464287523   350,402 1,551 SH   SOLE   0 0 1,551
ISHARES TR GLOBAL 100 ETF 464287572   547,010 6,118 SH   SOLE   0 0 6,118
ISHARES TR RUS 2000 GRW ETF 464287648   494,997 1,828 SH   SOLE   0 0 1,828
ISHARES TR NATIONAL MUN ETF 464288414   424,624 3,946 SH   DFND 1 0 0 3,946
ISHARES TR MBS ETF 464288588   986,923 10,678 SH   DFND 1 0 0 10,678
ISHARES TR ISHS 1-5YR INVS 464288646   325,067 6,339 SH   DFND 1 0 0 6,339
ISHARES TR 10-20 YR TRS ETF 464288653   4,882,201 46,484 SH   SOLE   0 0 46,484
ISHARES TR EAFE GRWTH ETF 464288885   248,330 2,393 SH   SOLE   0 0 2,393
KEYCORP COM 493267108   176,590 11,169 SH   SOLE   0 0 11,169
KIMBERLY-CLARK CORP COM 494368103   1,492,389 11,538 SH   DFND 1 0 0 11,538
LAM RESEARCH CORP COM 512807108   244,424 252 SH   DFND 1 0 0 252
ELI LILLY & CO COM 532457108   738,693 950 SH   DFND 1 0 0 950
MCDONALDS CORP COM 580135101   359,872 1,276 SH   DFND 1 0 0 1,276
MICROSOFT CORP COM 594918104   1,225,912 2,914 SH   DFND 1 0 0 2,914
NEWMONT CORP COM 651639106   294,685 8,222 SH   DFND 1 0 0 8,222
OCCIDENTAL PETE CORP COM 674599105   321,387 4,945 SH   DFND 1 0 0 4,945
PROCTER AND GAMBLE CO COM 742718109   342,249 2,109 SH   DFND 1 0 0 2,109
SCHWAB STRATEGIC TR US REIT ETF 808524847   479,965 23,643 SH   DFND 1 0 0 23,643
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   247,078 5,125 SH   DFND 1 0 0 5,125
SCHWAB STRATEGIC TR US TIPS ETF 808524870   423,304 8,116 SH   DFND 1 0 0 8,116
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888   448,812 12,537 SH   DFND 1 0 0 12,537
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100   235,911 1,734 SH   SOLE   0 0 1,734
TRACTOR SUPPLY CO COM 892356106   211,811 809 SH   SOLE   0 0 809
UNION PAC CORP COM 907818108   361,527 1,470 SH   DFND 1 0 0 1,470
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   693,835 3,800 SH   SOLE   0 0 3,800
VANGUARD WELLINGTON FD SHORT TRM TAX EX 921935870   370,134 3,676 SH   SOLE   0 0 3,676
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   420,033 8,372 SH   DFND 1 0 0 8,372
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810   524,314 6,431 SH   SOLE   0 0 6,431
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   449,588 10,764 SH   DFND 1 0 0 10,764
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   541,787 10,707 SH   DFND 1 0 0 10,707
VANGUARD INDEX FDS MID CAP ETF 922908629   337,687 1,352 SH   SOLE   0 0 1,352
WALMART INC COM 931142103   346,307 5,755 SH   DFND 1 0 0 5,755
WALGREENS BOOTS ALLIANCE INC COM 931427108   273,321 12,601 SH   DFND 1 0 0 12,601
WELLS FARGO CO NEW COM 949746101   271,452 4,683 SH   DFND 1 0 0 4,683
ZIONS BANCORPORATION N A COM 989701107   429,168 9,889 SH   SOLE   0 0 9,889
AB ACTIVE ETFS INC HIGH YIELD ETF 00039J608   998,687 27,153 SH   SOLE   0 0 27,153
AT&T INC COM 00206R102   288,952 16,418 SH   DFND 1 0 0 16,418
ABRDN ETFS BBRG ALL COMD K1 003261104   544,367 27,535 SH   DFND 1 0 0 27,535
ADOBE INC COM 00724F101   527,938 1,046 SH   DFND 1 0 0 1,046
ADVANCED MICRO DEVICES INC COM 007903107   3,464,128 19,193 SH   DFND 1 0 0 19,193
ALLY FINL INC COM 02005N100   287,767 7,090 SH   SOLE   0 0 7,090
ALPHABET INC CAP STK CL A 02079K305   3,604,201 23,880 SH   DFND 1 0 0 23,880
ALTRIA GROUP INC COM 02209S103   489,921 11,232 SH   DFND 1 0 0 11,232
AMAZON COM INC COM 023135106   4,591,303 25,454 SH   DFND 1 0 0 25,454
APPLE INC COM 037833100   2,844,414 16,587 SH   DFND 1 0 0 16,587
APPLIED MATLS INC COM 038222105   247,918 1,202 SH   DFND 1 0 0 1,202
BP PLC SPONSORED ADR 055622104   226,731 6,017 SH   DFND 1 0 0 6,017
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   3,578,103 8,509 SH   DFND 1 0 0 8,509
BOEING CO COM 097023105   459,123 2,379 SH   DFND 1 0 0 2,379
CAPITAL GROUP INTL FOCUS EQT SHS CREATION UNI 14019W109   573,917 22,262 SH   SOLE   0 0 22,262
CLEANSPARK INC COM NEW 18452B209   467,490 22,041 SH   SOLE   0 0 22,041
CROWDSTRIKE HLDGS INC CL A 22788C105   335,342 1,046 SH   SOLE   0 0 1,046
DOUBLELINE ETF TRUST SHILLER CAPE U S 25861R204   611,803 21,850 SH   SOLE   0 0 21,850
EXCHANGE LISTED FDS TR CABANA MODERATE 30151E624   340,903 16,629 SH   DFND 1 0 0 16,629
EXXON MOBIL CORP COM 30231G102   930,152 8,002 SH   DFND 1 0 0 8,002
META PLATFORMS INC CL A 30303M102   4,510,809 9,290 SH   DFND 1 0 0 9,290
FIRST TR EXCHANGE-TRADED FD NASDAQ BUYWRITE 33738R407   1,209,950 58,907 SH   SOLE   0 0 58,907
INVESCO QQQ TR UNIT SER 1 46090E103   5,752,512 12,956 SH   SOLE   0 0 12,956
INVESCO EXCHANGE TRADED FD T S&P500 EQL TEC 46137V282   250,808 7,127 SH   SOLE   0 0 7,127
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   692,494 4,089 SH   SOLE   0 0 4,089
INVESCO EXCHANGE TRADED FD T S&P 500 GARP ETF 46137V431   7,228,001 67,875 SH   SOLE   0 0 67,875
INVESCO EXCHANGE TRADED FD T DORSEY WRIGHT HE 46137V852   212,239 4,828 SH   SOLE   0 0 4,828
ISHARES TR MSCI USA MIN VOL 46429B697   958,289 11,466 SH   SOLE   0 0 11,466
ISHARES INC MSCI JPN ETF NEW 46434G822   212,285 2,975 SH   SOLE   0 0 2,975
ISHARES TR MSCI INTL QUALTY 46434V456   664,901 16,765 SH   SOLE   0 0 16,765
ISHARES TR CORE DIV GRWTH 46434V621   469,420 8,085 SH   SOLE   0 0 8,085
ISHARES TR BLACKROCK ULTRA 46434V878   4,020,846 79,526 SH   SOLE   0 0 79,526
ISHARES TR CORE INTL AGGR 46435G672   390,509 7,818 SH   DFND 1 0 0 7,818
ISHARES TR BROAD USD HIGH 46435U853   453,076 12,383 SH   DFND 1 0 0 12,383
JPMORGAN CHASE & CO COM 46625H100   1,130,928 5,647 SH   DFND 1 0 0 5,647
J P MORGAN EXCHANGE TRADED F ACTIVE VALUE ETF 46641Q167   8,514,169 142,163 SH   SOLE   0 0 142,163
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332   2,343,492 40,503 SH   SOLE   0 0 40,503
J P MORGAN EXCHANGE TRADED F ULTRA SHT MUNCPL 46641Q654   686,867 13,537 SH   SOLE   0 0 13,537
J P MORGAN EXCHANGE TRADED F US VALUE FACTR 46641Q753   223,376 5,367 SH   SOLE   0 0 5,367
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   533,353 10,572 SH   DFND 1 0 0 10,572
JOHN HANCOCK EXCHANGE TRADED MULTIFACTOR MI 47804J206   1,216,837 21,207 SH   SOLE   0 0 21,207
MERCK & CO INC COM 58933Y105   344,781 2,613 SH   DFND 1 0 0 2,613
NVIDIA CORPORATION COM 67066G104   1,105,035 1,223 SH   DFND 1 0 0 1,223
PACER FDS TR PACER US SMALL 69374H857   975,722 19,848 SH   SOLE   0 0 19,848
PACER FDS TR DEVELOPED MRKT 69374H873   1,235,027 38,655 SH   SOLE   0 0 38,655
PACER FDS TR US CASH COWS 100 69374H881   8,047,607 138,489 SH   SOLE   0 0 138,489
PIMCO ETF TR ACTIVE BD ETF 72201R775   205,151 2,233 SH   SOLE   0 0 2,233
PIMCO ETF TR INTER MUN BD ACT 72201R866   1,007,205 19,196 SH   SOLE   0 0 19,196
PROSHARES TR S&P MDCP 400 DIV 74347B680   2,175,645 27,694 SH   SOLE   0 0 27,694
PROSHARES TR ULTRAPRO SHT QQQ 74347G432   355,399 33,912 SH   SOLE   0 0 33,912
PROSHARES TR PSHS ULT SEMICDT 74347R669   616,379 6,216 SH   SOLE   0 0 6,216
SPDR S&P 500 ETF TR TR UNIT 78462F103   606,761 1,160 SH   SOLE   0 0 1,160
SPDR GOLD TR GOLD SHS 78463V107   319,689 1,554 SH   SOLE   0 0 1,554
SPDR SER TR S&P BIOTECH 78464A870   349,386 3,682 SH   SOLE   0 0 3,682
TESLA INC COM 88160R101   572,549 3,257 SH   DFND 1 0 0 3,257
TG THERAPEUTICS INC COM 88322Q108   454,638 29,891 SH   SOLE   0 0 29,891
TRUIST FINL CORP COM 89832Q109   264,551 6,787 SH   SOLE   0 0 6,787
UBER TECHNOLOGIES INC COM 90353T100   275,239 3,575 SH   DFND 1 0 0 3,575
UNITEDHEALTH GROUP INC COM 91324P102   392,342 793 SH   DFND 1 0 0 793
VANECK ETF TRUST MRNGSTR WDE MOAT 92189F643   221,064 2,459 SH   SOLE   0 0 2,459
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   1,015,148 20,637 SH   DFND 1 0 0 20,637
VANGUARD WORLD FD HEALTH CAR ETF 92204A504   413,305 1,528 SH   SOLE   0 0 1,528
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   791,688 13,634 SH   DFND 1 0 0 13,634
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   1,220,692 15,790 SH   DFND 1 0 0 15,790
VANGUARD SCOTTSDALE FDS VNG RUS2000IDX 92206C664   247,953 2,915 SH   DFND 1 0 0 2,915
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706   962,202 16,434 SH   DFND 1 0 0 16,434
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771   313,652 6,877 SH   DFND 1 0 0 6,877
VANGUARD SCOTTSDALE FDS LG-TERM COR BD 92206C813   539,520 6,897 SH   SOLE   0 0 6,897
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   1,051,593 13,062 SH   DFND 1 0 0 13,062
VERIZON COMMUNICATIONS INC COM 92343V104   283,368 6,753 SH   DFND 1 0 0 6,753
PARAMOUNT GLOBAL CLASS B COM 92556H206   239,829 20,376 SH   SOLE   0 0 20,376
WISDOMTREE TR EMG MKTS SMCAP 97717W281   1,069,693 21,032 SH   SOLE   0 0 21,032
WISDOMTREE TR INDIA ERNGS FD 97717W422   317,117 7,280 SH   SOLE   0 0 7,280
WISDOMTREE TR US QTLY DIV GRT 97717X669   5,546,092 72,793 SH   SOLE   0 0 72,793
WISDOMTREE TR FLOATNG RAT TREA 97717Y527   2,476,177 49,238 SH   SOLE   0 0 49,238
AMCOR PLC ORD G0250X107   246,381 25,908 SH   DFND 1 0 0 25,908
HERBALIFE LTD COM SHS G4412G101   333,944 33,228 SH   DFND 1 0 0 33,228