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
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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
ALPS ETF TR INTL SEC DV DOG 00162Q718   2,185,021 61,377 SH   SOLE   0 0 61,377
ABBOTT LABS COM 002824100   535,760 4,000 SH   SOLE   0 0 4,000
ABBVIE INC COM 00287Y109   306,559 1,324 SH   SOLE   0 0 1,324
AMAZON COM INC COM 023135106   250,310 1,140 SH   SOLE   0 0 1,140
AMERICAN CENTY ETF TR INTL EQT ETF 025072703   2,377,573 30,134 SH   SOLE   0 0 30,134
AMGEN INC COM 031162100   507,960 1,800 SH   SOLE   0 0 1,800
APPLE INC COM 037833100   3,011,087 11,825 SH   SOLE   0 0 11,825
BERKSHIRE HATHAWAY INC DEL CL A 084670108   754,200 1 SH   SOLE   0 0 1
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   728,973 1,450 SH   SOLE   0 0 1,450
BLACKROCK ETF TRUST II ISHARES FLEXIBLE 092528603   225,631 4,238 SH   SOLE   0 0 4,238
BLACKROCK ETF TRUST ISHARES US EQUIT 09290C103   6,160,293 104,059 SH   SOLE   0 0 104,059
CISCO SYS INC COM 17275R102   224,486 3,281 SH   SOLE   0 0 3,281
FIDELITY COVINGTON TRUST EMERG MKTS MLTFT 316092543   1,098,221 36,510 SH   SOLE   0 0 36,510
FIRST TR EXCHNG TRADED FD VI SMITH UNCONSTRAI 33740F888   222,867 8,848 SH   SOLE   0 0 8,848
INTEL CORP COM 458140100   286,490 8,539 SH   SOLE   0 0 8,539
INVESCO EXCH TRADED FD TR II S&P 500 MOMNTM 46138E339   3,970,647 32,799 SH   SOLE   0 0 32,799
ISHARES TR CORE S&P500 ETF 464287200   717,490 1,072 SH   SOLE   0 0 1,072
ISHARES TR RUS 1000 GRW ETF 464287614   866,559 1,850 SH   SOLE   0 0 1,850
ISHARES TR MBS ETF 464288588   1,855,140 19,497 SH   SOLE   0 0 19,497
ISHARES TR ISHS 5-10YR INVT 464288638   945,547 17,481 SH   SOLE   0 0 17,481
ISHARES TR CORE TOTAL USD 46434V613   976,519 20,906 SH   SOLE   0 0 20,906
ISHARES TR ESG AWR MSCI USA 46435G425   444,371 3,052 SH   SOLE   0 0 3,052
LAZARD ACTIVE ETF TR INTL DYNAMIC EQT 52110K400   2,226,297 78,529 SH   SOLE   0 0 78,529
MERCK & CO INC COM 58933Y105   884,622 10,540 SH   SOLE   0 0 10,540
MICROSOFT CORP COM 594918104   8,222,913 15,876 SH   SOLE   0 0 15,876
NETFLIX INC COM 64110L106   531,122 443 SH   SOLE   0 0 443
NOVARTIS AG SPONSORED ADR 66987V109   641,200 5,000 SH   SOLE   0 0 5,000
SHELL PLC SPON ADS 780259305   715,300 10,000 SH   SOLE   0 0 10,000
SPDR SERIES TRUST PORTFOLIO INTRMD 78464A375   3,331,455 98,302 SH   SOLE   0 0 98,302
SPDR SERIES TRUST PORTFOLIO AGRGTE 78464A649   604,901 23,400 SH   SOLE   0 0 23,400
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   2,906,582 110,349 SH   SOLE   0 0 110,349
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   1,878,829 58,879 SH   SOLE   0 0 58,879
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   473,507 16,266 SH   SOLE   0 0 16,266
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   841,313 28,384 SH   SOLE   0 0 28,384
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   1,478,355 44,302 SH   SOLE   0 0 44,302
SCHWAB STRATEGIC TR FUNDAMENTAL US L 808524771   6,353,817 241,590 SH   SOLE   0 0 241,590
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   467,240 17,115 SH   SOLE   0 0 17,115
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   3,356,071 144,161 SH   SOLE   0 0 144,161
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   527,887 22,492 SH   SOLE   0 0 22,492
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854   8,077,410 321,425 SH   SOLE   0 0 321,425
TORONTO DOMINION BK ONT COM NEW 891160509   243,848 3,050 SH   SOLE   0 0 3,050
UNILEVER PLC SPON ADR NEW 904767704   296,400 5,000 SH   SOLE   0 0 5,000
VANECK ETF TRUST GOLD MINERS ETF 92189F106   1,489,418 19,495 SH   SOLE   0 0 19,495
VANECK ETF TRUST JUNIOR GOLD MINE 92189F791   1,578,736 15,942 SH   SOLE   0 0 15,942
VANGUARD WELLINGTON FD US MOMENTUM 921935508   2,695,749 14,070 SH   SOLE   0 0 14,070
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   5,918,631 41,991 SH   SOLE   0 0 41,991
VANGUARD BD INDEX FDS VANGUARD ULTRA 92203C303   2,944,706 58,900 SH   SOLE   0 0 58,900
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   1,018,530 20,593 SH   SOLE   0 0 20,593
VANGUARD WORLD FD CONSUM STP ETF 92204A207   316,107 1,479 SH   SOLE   0 0 1,479
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874   2,985,956 37,418 SH   SOLE   0 0 37,418
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   2,876,057 34,194 SH   SOLE   0 0 34,194
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   498,600 2,856 SH   SOLE   0 0 2,856
VANGUARD INDEX FDS SM CP VAL ETF 922908611   1,760,469 8,435 SH   SOLE   0 0 8,435
VANGUARD INDEX FDS MID CAP ETF 922908629   1,281,000 4,361 SH   SOLE   0 0 4,361
VANGUARD INDEX FDS GROWTH ETF 922908736   531,408 1,108 SH   SOLE   0 0 1,108