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
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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
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   5,193,944 123,313 SH   SOLE   123,313 0 0
GENERAL ELECTRIC CO COM 369604137   630,328 3,591 SH   SOLE   3,591 0 0
GLOBAL X FDS US INFR DEV ETF 37954Y673   826,894 20,771 SH   SOLE   20,771 0 0
SPDR SER TR S&P RETAIL ETF 78464A714   5,217,132 66,048 SH   SOLE   66,048 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   5,244,863 25,183 SH   SOLE   25,183 0 0
AMERICAN CENTY ETF TR US EQT ETF 025072885   28,784,632 321,616 SH   SOLE   321,616 0 0
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852   5,699,460 69,795 SH   SOLE   69,795 0 0
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203   8,479,732 280,600 SH   SOLE   280,600 0 0
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500   7,636,650 122,500 SH   SOLE   122,500 0 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2024 CB 46138J841   1,201,917 57,316 SH   SOLE   57,316 0 0
ISHARES TR CORE S&P500 ETF 464287200   22,053,439 41,948 SH   SOLE   41,948 0 0
ISHARES TR CORE US AGGBD ET 464287226   13,864,288 141,559 SH   SOLE   141,559 0 0
ISHARES TR FALN ANGLS USD 46435G474   6,980,538 259,886 SH   SOLE   259,886 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736   5,149,232 14,960 SH   SOLE   14,960 0 0
WISDOMTREE TR FLOATNG RAT TREA 97717Y527   18,508,229 368,030 SH   SOLE   368,030 0 0
WISDOMTREE TR US QTLY DIV GRT 97717X669   17,606,747 231,090 SH   SOLE   231,090 0 0
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354   964,219 14,638 SH   SOLE   14,638 0 0
ISHARES TR 0-5 YR TIPS ETF 46429B747   813,337 8,180 SH   SOLE   8,180 0 0
ISHARES TR CORE S&P MCP ETF 464287507   1,263,392 20,800 SH   SOLE   20,800 0 0
ISHARES TR CORE S&P SCP ETF 464287804   1,438,528 13,016 SH   SOLE   13,016 0 0
ISHARES GOLD TR ISHARES NEW 464285204   250,590 5,965 SH   SOLE   5,965 0 0
APPLE INC COM 037833100   502,093 2,928 SH   SOLE   2,928 0 0
PROCTER AND GAMBLE CO COM 742718109   209,303 1,290 SH   SOLE   1,290 0 0
J P MORGAN EXCHANGE TRADED F BETABUILDERS US 46641Q241   553,513 12,067 SH   SOLE   12,067 0 0
AMAZON COM INC COM 023135106   319,092 1,769 SH   SOLE   1,769 0 0
LAM RESEARCH CORP COM 512807108   460,524 474 SH   SOLE   474 0 0
MICROSOFT CORP COM 594918104   2,100,664 4,993 SH   SOLE   4,993 0 0
NVIDIA CORPORATION COM 67066G104   320,764 355 SH   SOLE   355 0 0
INNOVATOR ETFS TRUST LADDERED ALC BFR 45783Y756   536,714 18,268 SH   SOLE   18,268 0 0
ISHARES TR MRGSTR SM CP ETF 464288505   231,367 4,116 SH   SOLE   4,116 0 0
EA SERIES TRUST ALPHA ARCH 1-3 02072L565   661,649 6,215 SH   SOLE   6,215 0 0
ISHARES TR CORE DIV GRWTH 46434V621   377,854 6,508 SH   SOLE   6,508 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   673,461 1,401 SH   SOLE   1,401 0 0
FIRST TR EXCH TRADED FD III SHRT DUR MNG MUN 33739P830   407,153 20,527 SH   SOLE   20,527 0 0
ISHARES TR SELECT DIVID ETF 464287168   376,737 3,058 SH   SOLE   3,058 0 0
ISHARES TR SHRT NAT MUN ETF 464288158   1,205,233 11,508 SH   SOLE   11,508 0 0
ISHARES TR US HLTHCARE ETF 464287762   412,254 6,660 SH   SOLE   6,660 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   457,626 9,044 SH   SOLE   9,044 0 0
INVESCO QQQ TR UNIT SER 1 46090E103   606,964 1,367 SH   SOLE   1,367 0 0
JPMORGAN CHASE & CO COM 46625H100   307,661 1,536 SH   SOLE   1,536 0 0
MERCK & CO INC COM 58933Y105   202,675 1,536 SH   SOLE   1,536 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   692,318 8,502 SH   SOLE   8,502 0 0
INTEL CORP COM 458140100   204,286 4,625 SH   SOLE   4,625 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101   363,098 1,901 SH   SOLE   1,901 0 0
MCDONALDS CORP COM 580135101   257,702 914 SH   SOLE   914 0 0
UNITEDHEALTH GROUP INC COM 91324P102   391,308 791 SH   SOLE   791 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   222,269 4,514 SH   SOLE   4,514 0 0
SPDR SER TR BLOOMBERG 1-3 MO 78468R663   254,286 2,770 SH   SOLE   2,770 0 0
VANGUARD INDEX FDS VALUE ETF 922908744   957,454 5,879 SH   SOLE   5,879 0 0
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   428,122 2,898 SH   SOLE   2,898 0 0
ISHARES TR GLB CNS DISC ETF 464288745   246,784 1,470 SH   SOLE   1,470 0 0
ISHARES TR RUSSELL 2000 ETF 464287655   226,703 1,078 SH   SOLE   1,078 0 0
NUVEEN CORE EQUITY ALPHA FD COM 67090X107   274,998 19,545 SH   SOLE   19,545 0 0
ALPS ETF TR RIVERFRNT DYMC 00162Q528   312,814 6,163 SH   SOLE   6,163 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769   224,294 863 SH   SOLE   863 0 0
UNION PAC CORP COM 907818108   398,898 1,622 SH   SOLE   1,622 0 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2025 CB 46138J825   576,065 28,197 SH   SOLE   28,197 0 0
INNOVATOR ETFS TRUST US EQT PWR BUF 45782C870   341,073 10,154 SH   SOLE   10,154 0 0
ISHARES TR GLOBAL TECH ETF 464287291   498,010 6,657 SH   SOLE   6,657 0 0
ISHARES TR GLOB HLTHCRE ETF 464287325   304,694 3,271 SH   SOLE   3,271 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   361,203 1,978 SH   SOLE   1,978 0 0
INNOVATOR ETFS TRUST US EQTY PWR BUF 45782C748   303,569 8,794 SH   SOLE   8,794 0 0
INNOVATOR ETFS TRUST US EQTY PWR BUF 45782C318   301,779 9,294 SH   SOLE   9,294 0 0