ALPHABET INC CAP STK CL A 02079K305 254282 739 SH SOLE 0 0 739 ALPS ETF TR ALERIAN MLP 00162Q452 541308 10436 SH SOLE 0 0 10436 APPLE INC COM 037833100 428738 1287 SH SOLE 0 0 1287 BLACKROCK ETF TRUST ISHARES US EQUIT 09290C103 5651259 81595 SH SOLE 0 0 81595 ETFS GOLD TR PHYSCL GOLD SHS 00326A104 3629739 91753 SH SOLE 0 0 91753 FIDELITY COVINGTON TRUST ENHANCED SML CAP 31609A206 565707 12585 SH SOLE 0 0 12585 FIDELITY COVINGTON TRUST ENHANCED INTL 31609A404 1666778 41763 SH SOLE 0 0 41763 FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309 21990422 507862 SH SOLE 0 0 507862 FIDELITY MERRIMACK STR TR LOW DURTIN ETF 316188408 1530347 30759 SH SOLE 0 0 30759 INVESCO ACTVELY MNGD ETC FD OPTIMUM YIELD 46090F100 1507246 78096 SH SOLE 0 0 78096 INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 337468 1622 SH SOLE 0 0 1622 ISHARES INC EMNG MKTS EQT 46434G889 2899537 40530 SH SOLE 0 0 40530 ISHARES INC MSCI GBL GOLD MN 46434G855 260117 3395 SH SOLE 0 0 3395 ISHARES TR CORE MSCI TOTAL 46432F834 16767298 176516 SH SOLE 0 0 176516 ISHARES TR CORE S&P500 ETF 464287200 25695076 33551 SH SOLE 0 0 33551 ISHARES TR NATIONAL MUN ETF 464288414 3763903 37230 SH SOLE 0 0 37230 ISHARES TR ISHS 5-10YR INVT 464288638 1394141 27689 SH SOLE 0 0 27689 ISHARES TR INTL EQTY FACTOR 46434V274 1851346 44600 SH SOLE 0 0 44600 ISHARES TR 0-3 MTH TREASURY 46436E718 5026961 49930 SH SOLE 0 0 49930 ISHARES TR CORE US AGGBD ET 464287226 3250149 34379 SH SOLE 0 0 34379 ISHARES TR LATN AMER 40 ETF 464287390 1152282 33399 SH SOLE 0 0 33399 ISHARES TR 3 7 YR TREAS BD 464288661 227079 2002 SH SOLE 0 0 2002 ISHARES TR MSCI USA MMENTM 46432F396 522712 1647 SH SOLE 0 0 1647 ISHARES TR IBON 2027 TE ETF 46436E478 549385 25224 SH SOLE 0 0 25224 ISHARES TR IBON 2026 TE ETF 46436E528 330814 14683 SH SOLE 0 0 14683 ISHARES TR IBONDS 28 TR HI 46436E387 555758 24028 SH SOLE 0 0 24028 ISHARES TR IBONDS DEC2026 46435GAA0 511874 21117 SH SOLE 0 0 21117 ISHARES TR IBONDS DEC 26 46435U259 1827586 71279 SH SOLE 0 0 71279 ISHARES TR IBONDS 27 ETF 46435UAA9 572341 23729 SH SOLE 0 0 23729 ISHARES TR IBONDS DEC 27 46435U283 1937956 76781 SH SOLE 0 0 76781 ISHARES TR IBONDS DEC 28 46435U325 1411318 56138 SH SOLE 0 0 56138 ISHARES TR MSCI USA QLT FCT 46432F339 1743715 7846 SH SOLE 0 0 7846 ISHARES TR IBONDS DEC 2029 46436E163 430828 17421 SH SOLE 0 0 17421 ISHARES TR RUS 1000 VAL ETF 464287598 322991 1303 SH SOLE 0 0 1303 ISHARES TR CORE 40 MODE ETF 464289875 411376 8440 SH SOLE 0 0 8440 ISHARES TR CORE MSCI EAFE 46432F842 252566 2607 SH SOLE 0 0 2607 ISHARES TR MSCI INTL QUALTY 46434V456 324943 6568 SH SOLE 0 0 6568 ISHARES TR IBONDS 26 TRM TS 46436E858 249375 10899 SH SOLE 0 0 10899 JANUS DETROIT STR TR HENDRSON AAA CL 47103U845 221879 4396 SH SOLE 0 0 4396 MICROSOFT CORP COM 594918104 220763 430 SH SOLE 0 0 430 PIMCO ETF TR 15+ YR US TIPS 72201R304 231376 5130 SH SOLE 0 0 5130 SCHWAB STRATEGIC TR US TIPS ETF 808524870 10184851 405287 SH SOLE 0 0 405287 SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 2989124 101983 SH SOLE 0 0 101983 SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 698968 19454 SH SOLE 0 0 19454 VANGUARD ADMIRAL FDS INC MIDCP 400 IDX 921932885 10673170 87657 SH SOLE 0 0 87657 VANGUARD ADMIRAL FDS INC SMLLCP 600 IDX 921932828 3223148 25475 SH SOLE 0 0 25475 VANGUARD INDEX FDS MRNGSTR TTL STK 922908769 767477 2051 SH SOLE 0 0 2051 VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 5615182 8012 SH SOLE 0 0 8012 VANGUARD INDEX FDS MRNGSTR SML CP V 922908611 541323 2343 SH SOLE 0 0 2343 VANGUARD INDEX FDS MRNGSTR VAL ETF 922908744 778222 3602 SH SOLE 0 0 3602 VANGUARD INDEX FDS MRNGSTR GRWT ETF 922908736 368915 4094 SH SOLE 0 0 4094 VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 1210885 13950 SH SOLE 0 0 13950 VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 500161 3169 SH SOLE 0 0 3169 VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 904428 19097 SH SOLE 0 0 19097 VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 2371958 30705 SH SOLE 0 0 30705 VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 6088044 26094 SH SOLE 0 0 26094 VANGUARD STAR FDS VG TL INTL STK F 921909768 3279820 38604 SH SOLE 0 0 38604 VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 4284914 60684 SH SOLE 0 0 60684 VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794 1761009 17413 SH SOLE 0 0 17413 VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 1998279 12876 SH SOLE 0 0 12876 VANGUARD WORLD FD INF TECH ETF 92204A702 282094 2245 SH SOLE 0 0 2245