APPLE INC COM 037833100 476875 1648 SH SOLE 0 0 1648 BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 545425 1090 SH SOLE 0 0 1090 BLACKROCK ETF TRUST ISHARES US EQUIT 09290C103 2835065 41686 SH SOLE 0 0 41686 CSX CORP COM 126408103 1654746 34814 SH SOLE 0 0 34814 FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309 854029 18774 SH SOLE 0 0 18774 FIRST TR EXCHANGE-TRADED FD TECH ALPHADEX 33734X176 609954 2808 SH SOLE 0 0 2808 INVESCO EXCHANGE TRADED FD T NASDAQ INTERNT 46137V530 200532 4400 SH SOLE 0 0 4400 INVESCO QQQ TR UNIT SER 1 46090E103 3232575 4389 SH SOLE 0 0 4389 ISHARES GOLD TR ISHARES NEW 464285204 832120 11020 SH SOLE 0 0 11020 ISHARES TR CORE 30 70 ETF 464289883 1326904 31989 SH SOLE 0 0 31989 ISHARES TR CORE S&P SCP ETF 464287804 1989244 13412 SH SOLE 0 0 13412 ISHARES TR CORE UNIVRSL USD 46434V613 1142697 24760 SH SOLE 0 0 24760 ISHARES TR GLOBAL ENERG ETF 464287341 203693 4146 SH SOLE 0 0 4146 ISHARES TR MBS ETF 464288588 389223 4117 SH SOLE 0 0 4117 ISHARES TR MORNINGSTAR VALU 464288109 431384 4261 SH SOLE 0 0 4261 ISHARES TR TIPS BD ETF 464287176 2116460 19340 SH SOLE 0 0 19340 ISHARES TR ULTRA SHORT DUR 46434V878 256390 5069 SH SOLE 0 0 5069 J P MORGAN EXCHANGE TRADED F ULTRA SHRT ETF 46641Q837 341095 6745 SH SOLE 0 0 6745 JOHNSON & JOHNSON COM 478160104 272256 1072 SH SOLE 0 0 1072 SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 332794 9178 SH SOLE 0 0 9178 SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 1641336 59254 SH SOLE 0 0 59254 SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854 993366 40282 SH SOLE 0 0 40282 SCHWAB STRATEGIC TR US AGGREGATE B 808524839 476686 20609 SH SOLE 0 0 20609 SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 8097844 279621 SH SOLE 0 0 279621 SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 777542 24520 SH SOLE 0 0 24520 SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 9062489 267804 SH SOLE 0 0 267804 SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 3909462 132839 SH SOLE 0 0 132839 SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 1833370 49725 SH SOLE 0 0 49725 SCHWAB STRATEGIC TR US REIT ETF 808524847 867138 36619 SH SOLE 0 0 36619 SCHWAB STRATEGIC TR US SML CAP ETF 808524607 1932413 53485 SH SOLE 0 0 53485 SELECT SECTOR SPDR TR ST STR DISCR ETF 81369Y407 1113925 9498 SH SOLE 0 0 9498 SELECT SECTOR SPDR TR ST STR ENERG ETF 81369Y506 1674634 31531 SH SOLE 0 0 31531 SELECT SECTOR SPDR TR ST STR FINL ETF 81369Y605 1854482 34592 SH SOLE 0 0 34592 SELECT SECTOR SPDR TR ST STR INDL ETF 81369Y704 1754499 9472 SH SOLE 0 0 9472 SELECT SECTOR SPDR TR ST STR MATER ETF 81369Y100 1289811 25375 SH SOLE 0 0 25375 SELECT SECTOR SPDR TR ST STR REAL ETF 81369Y860 432769 9828 SH SOLE 0 0 9828 SELECT SECTOR SPDR TR ST STR SVC ETF 81369Y852 574967 5367 SH SOLE 0 0 5367 SELECT SECTOR SPDR TR ST STR TECHN ETF 81369Y803 6879210 36107 SH SOLE 0 0 36107 SPDR INDEX SHS FDS ST PORT MARK ETF 78463X509 1023225 19761 SH SOLE 0 0 19761 SPDR SERIES TRUST ST STR CONV ETF 78464A359 931457 8639 SH SOLE 0 0 8639 SPDR SERIES TRUST ST STR NYSE TECH 78464A102 748095 1915 SH SOLE 0 0 1915 SPDR SERIES TRUST ST STR SP BANK 78464A797 506806 7429 SH SOLE 0 0 7429 SPDR SERIES TRUST ST STR SP HOME 78464A888 835894 7233 SH SOLE 0 0 7233 SPDR SERIES TRUST ST STR SP600 SML 78468R853 266378 4619 SH SOLE 0 0 4619 SPDR SERIES TRUST STATE STRET SPDR 78468R861 261196 13798 SH SOLE 0 0 13798 SPROTT ASSET MANAGEMENT LP PHYSICAL GOLD AN 85208R101 351329 8733 SH SOLE 0 0 8733 STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 236726 317 SH SOLE 0 0 317 VANECK ETF TRUST MRNGSTR WDE MOAT 92189F643 1479663 14233 SH SOLE 0 0 14233 VANGUARD INDEX FDS LARGE CAP ETF 922908637 4592739 13354 SH SOLE 0 0 13354 VANGUARD INDEX FDS MID CAP ETF 922908629 330337 4100 SH SOLE 0 0 4100 VANGUARD INDEX FDS REAL ESTATE ETF 922908553 249368 2586 SH SOLE 0 0 2586 VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 692686 1008 SH SOLE 0 0 1008 VANGUARD INDEX FDS VALUE ETF 922908744 2419241 11101 SH SOLE 0 0 11101 VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 959076 12135 SH SOLE 0 0 12135 VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 402964 1703 SH SOLE 0 0 1703 VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 3250741 45624 SH SOLE 0 0 45624 VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 597353 3780 SH SOLE 0 0 3780 VANGUARD WORLD FD COMM SRVC ETF 92204A884 1718461 9342 SH SOLE 0 0 9342 VANGUARD WORLD FD CONSUM DIS ETF 92204A108 1319125 3326 SH SOLE 0 0 3326 VANGUARD WORLD FD CONSUM STP ETF 92204A207 2202586 9768 SH SOLE 0 0 9768 VANGUARD WORLD FD FINANCIALS ETF 92204A405 3725513 28309 SH SOLE 0 0 28309 VANGUARD WORLD FD HEALTH CAR ETF 92204A504 3300418 11037 SH SOLE 0 0 11037 VANGUARD WORLD FD INDUSTRIAL ETF 92204A603 2628640 7294 SH SOLE 0 0 7294 VANGUARD WORLD FD INF TECH ETF 92204A702 8490044 71034 SH SOLE 0 0 71034 VANGUARD WORLD FD MATERIALS ETF 92204A801 240001 1049 SH SOLE 0 0 1049 VANGUARD WORLD FD UTILITIES ETF 92204A876 221566 1132 SH SOLE 0 0 1132 WELLTOWER INC COM 95040Q104 514222 2265 SH SOLE 0 0 2265 WORLD GOLD TR SPDR GLD MINIS 98149E303 1833093 23081 SH SOLE 0 0 23081