APPLE INC COM 037833100 549220 1649 SH SOLE 0 0 1649 BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 542766 1090 SH SOLE 0 0 1090 BLACKROCK ETF TRUST ISHARES US EQUIT 09290C103 2982457 43061 SH SOLE 0 0 43061 CSX CORP COM 126408103 1619235 34814 SH SOLE 0 0 34814 FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309 978147 22590 SH SOLE 0 0 22590 FIRST TR EXCHANGE-TRADED FD TECH ALPHADEX 33734X176 610551 2762 SH SOLE 0 0 2762 INVESCO EXCHANGE TRADED FD T NASDAQ INTERNT 46137V530 223248 4400 SH SOLE 0 0 4400 INVESCO QQQ TR UNIT SER 1 46090E103 3200273 4326 SH SOLE 0 0 4326 ISHARES GOLD TR ISHARES NEW 464285204 858163 10988 SH SOLE 0 0 10988 ISHARES TR CORE 30 70 ETF 464289883 1281526 31776 SH SOLE 0 0 31776 ISHARES TR CORE S&P SCP ETF 464287804 1713073 12592 SH SOLE 0 0 12592 ISHARES TR CORE UNIVRSL USD 46434V613 1101390 24980 SH SOLE 0 0 24980 ISHARES TR GLOBAL ENERG ETF 464287341 236198 4146 SH SOLE 0 0 4146 ISHARES TR MBS ETF 464288588 369079 4118 SH SOLE 0 0 4118 ISHARES TR MORNINGSTAR VALU 464288109 431789 4099 SH SOLE 0 0 4099 ISHARES TR TIPS BD ETF 464287176 2031818 19529 SH SOLE 0 0 19529 ISHARES TR ULTRA SHORT DUR 46434V878 255478 5069 SH SOLE 0 0 5069 J P MORGAN EXCHANGE TRADED F ULTRA SHRT ETF 46641Q837 290054 5758 SH SOLE 0 0 5758 JOHNSON & JOHNSON COM 478160104 283801 1072 SH SOLE 0 0 1072 SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 332388 9119 SH SOLE 0 0 9119 SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 1616225 58836 SH SOLE 0 0 58836 SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854 974336 41111 SH SOLE 0 0 41111 SCHWAB STRATEGIC TR US AGGREGATE B 808524839 455459 20609 SH SOLE 0 0 20609 SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 8002465 273028 SH SOLE 0 0 273028 SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 797584 24518 SH SOLE 0 0 24518 SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 9525585 265115 SH SOLE 0 0 265115 SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 3877545 129251 SH SOLE 0 0 129251 SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 1663127 48886 SH SOLE 0 0 48886 SCHWAB STRATEGIC TR US REIT ETF 808524847 809882 36746 SH SOLE 0 0 36746 SCHWAB STRATEGIC TR US SML CAP ETF 808524607 1745216 53485 SH SOLE 0 0 53485 SELECT SECTOR SPDR TR ST STR DISCR ETF 81369Y407 1013845 9315 SH SOLE 0 0 9315 SELECT SECTOR SPDR TR ST STR ENERG ETF 81369Y506 1933985 31446 SH SOLE 0 0 31446 SELECT SECTOR SPDR TR ST STR FINL ETF 81369Y605 1847242 34592 SH SOLE 0 0 34592 SELECT SECTOR SPDR TR ST STR INDL ETF 81369Y704 1586143 9499 SH SOLE 0 0 9499 SELECT SECTOR SPDR TR ST STR MATER ETF 81369Y100 1235714 25374 SH SOLE 0 0 25374 SELECT SECTOR SPDR TR ST STR REAL ETF 81369Y860 402170 9830 SH SOLE 0 0 9830 SELECT SECTOR SPDR TR ST STR SVC ETF 81369Y852 595576 5367 SH SOLE 0 0 5367 SELECT SECTOR SPDR TR ST STR TECHN ETF 81369Y803 7068095 36107 SH SOLE 0 0 36107 SPDR INDEX SHS FDS ST PORT MARK ETF 78463X509 1043541 20161 SH SOLE 0 0 20161 SPDR SERIES TRUST ST STR CONV ETF 78464A359 874094 8639 SH SOLE 0 0 8639 SPDR SERIES TRUST ST STR NYSE TECH 78464A102 731894 1915 SH SOLE 0 0 1915 SPDR SERIES TRUST ST STR SP BANK 78464A797 469661 7429 SH SOLE 0 0 7429 SPDR SERIES TRUST ST STR SP HOME 78464A888 694679 7233 SH SOLE 0 0 7233 SPDR SERIES TRUST ST STR SP600 SML 78468R853 258692 4893 SH SOLE 0 0 4893 SPDR SERIES TRUST STATE STRET SPDR 78468R861 251262 13798 SH SOLE 0 0 13798 SPROTT ASSET MANAGEMENT LP PHYSICAL GOLD AN 85208R101 209403 5041 SH SOLE 0 0 5041 STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 241754 317 SH SOLE 0 0 317 VANECK ETF TRUST MRNGSTR WDE MOAT 92189F643 1452878 13744 SH SOLE 0 0 13744 VANGUARD INDEX FDS MRNGSTR LRG CAP 922908637 4661816 13249 SH SOLE 0 0 13249 VANGUARD INDEX FDS MRNGSTR MID CAP 922908629 321522 4100 SH SOLE 0 0 4100 VANGUARD INDEX FDS MRNGSTR VAL ETF 922908744 2369317 10965 SH SOLE 0 0 10965 VANGUARD INDEX FDS REAL ESTATE ETF 922908553 231783 2586 SH SOLE 0 0 2586 VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 706931 1008 SH SOLE 0 0 1008 VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 937494 12135 SH SOLE 0 0 12135 VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 392427 1682 SH SOLE 0 0 1682 VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 3247644 45994 SH SOLE 0 0 45994 VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 586656 3780 SH SOLE 0 0 3780 VANGUARD WORLD FD COMM SRVC ETF 92204A884 1768866 9281 SH SOLE 0 0 9281 VANGUARD WORLD FD CONSUM DIS ETF 92204A108 1158953 3178 SH SOLE 0 0 3178 VANGUARD WORLD FD CONSUM STP ETF 92204A207 2067322 9474 SH SOLE 0 0 9474 VANGUARD WORLD FD FINANCIALS ETF 92204A405 3673436 28237 SH SOLE 0 0 28237 VANGUARD WORLD FD HEALTH CAR ETF 92204A504 3388590 10720 SH SOLE 0 0 10720 VANGUARD WORLD FD INDUSTRIAL ETF 92204A603 2337186 7292 SH SOLE 0 0 7292 VANGUARD WORLD FD INF TECH ETF 92204A702 8756346 69677 SH SOLE 0 0 69677 VANGUARD WORLD FD MATERIALS ETF 92204A801 228860 1049 SH SOLE 0 0 1049 WELLTOWER INC COM 95040Q104 521768 2266 SH SOLE 0 0 2266 WORLD GOLD TR SPDR GLD MINIS 98149E303 1885702 22946 SH SOLE 0 0 22946