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
OMB Number: 3235-0006
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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
APPLE INC COM 037833100 BBG001S5N8V8 533,104 2,288 SH   SOLE   2,288 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 BBG001S90346 261,888 569 SH   SOLE   569 0 0
CONAGRA BRANDS INC COM 205887102 BBG001S5PGY5 473,589 14,563 SH   SOLE   14,563 0 0
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309 BBG0078X1341 11,153,657 238,632 SH   SOLE   238,632 0 0
HANESBRANDS INC COM 410345102 BBG001SMCKB8 125,979 17,140 SH   SOLE   17,140 0 0
HOME DEPOT INC COM 437076102 BBG001S5RTW7 262,975 649 SH   SOLE   649 0 0
INVESCO EXCH TRADED FD TR II S&P SMALLCAP 600 46138G664 BBG00P4Y2TZ1 538,829 11,788 SH   SOLE   11,788 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 BBG00KJR2NN7 223,771 1,249 SH   SOLE   1,249 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 BBG001S9GN63 12,438,552 25,485 SH   SOLE   25,485 0 0
ISHARES INC CORE MSCI EMKT 46434G103 BBG003HC3DG9 218,962 3,814 SH   SOLE   3,814 0 0
ISHARES TR 20 YR TR BD ETF 464287432 BBG001S8MLN3 7,051,700 71,883 SH   SOLE   71,883 0 0
ISHARES TR CORE MSCI EAFE 46432F842 BBG003H6TRS0 475,325 6,090 SH   SOLE   6,090 0 0
ISHARES TR CORE S&P MCP ETF 464287507 BBG001SFC7V0 304,495 4,886 SH   SOLE   4,886 0 0
ISHARES TR CORE S&P SCP ETF 464287804 BBG001SFC7W9 2,058,146 17,597 SH   SOLE   17,597 0 0
ISHARES TR CORE US AGGBD ET 464287226 BBG001SM1QT8 266,441 2,631 SH   SOLE   2,631 0 0
ISHARES TR MSCI USA MIN VOL 46429B697 BBG0025X2G81 791,018 8,663 SH   SOLE   8,663 0 0
ISHARES TR MSCI USA MMENTM 46432F396 BBG004FPV022 268,657 1,325 SH   SOLE   1,325 0 0
ISHARES TR RUS 1000 VAL ETF 464287598 BBG001S562P7 239,717 1,263 SH   SOLE   1,263 0 0
LAMB WESTON HLDGS INC COM 513272104 BBG003CVMLR1 302,336 4,670 SH   SOLE   4,670 0 0
MICROSOFT CORP COM 594918104 BBG001S5TD05 316,712 736 SH   SOLE   736 0 0
MODERNA INC COM 60770K107 BBG003PHHZV8 280,419 4,196 SH   SOLE   4,196 0 0
NYLI MACKAY DEFINEDTERM MUNI COM 56064K100 BBG002ZTPRJ6 537,478 31,879 SH   SOLE   31,879 0 0
PENNYMAC CORP NOTE 5.500%11/0 70932AAD5   24,920 25,000 SH   SOLE   25,000 0 0
REALTY INCOME CORP COM 756109104 BBG001S884K0 224,760 3,544 SH   SOLE   3,544 0 0
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 BBG001T6L7C0 4,181,248 108,519 SH   SOLE   108,519 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 BBG0025RWLM4 3,515,436 41,588 SH   SOLE   41,588 0 0
SSGA ACTIVE ETF TR BLACKSTONE SENR 78467V608 BBG004DF1DW8 335,876 8,043 SH   SOLE   8,043 0 0
SSGA ACTIVE TR SPDR BLACKSTONE 78470P846 BBG014Z181S8 209,489 7,298 SH   SOLE   7,298 0 0
VANECK ETF TRUST FALLEN ANGEL HG 92189F437 BBG002VZY7Y3 2,662,340 90,525 SH   SOLE   90,525 0 0
VANECK ETF TRUST MRNGSTR WDE MOAT 92189F643 BBG002XRNHT5 245,284 2,530 SH   SOLE   2,530 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 BBG001SK7DK4 15,232,193 202,798 SH   SOLE   202,798 0 0
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 BBG001SRN7W1 6,768,900 40,370 SH   SOLE   40,370 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 BBG001SHVTS1 296,545 1,124 SH   SOLE   1,124 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 BBG001TC6MC1 2,978,277 5,644 SH   SOLE   5,644 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 BBG001SHTB03 28,497,637 100,641 SH   SOLE   100,641 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 BBG009THVRX1 742,825 14,531 SH   SOLE   14,531 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 BBG001T62M38 11,847,546 141,463 SH   SOLE   141,463 0 0