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
Estimated average burden
hours per response: 23.8
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
AMERICAN TOWER CORP NEW COM 03027X100   10,108 52 SH   SOLE   0 0 0
AMPLIFY ETF TR AMPLIFY ETHO CLI 032108557   83,591 1,479 SH   SOLE   0 0 0
APPLE INC COM 037833100   43,388 206 SH   SOLE   0 0 0
BJS WHSL CLUB HLDGS INC COM 05550J101   10,980 125 SH   SOLE   0 0 0
CONSOL ENERGY INC NEW COM 20854L108   7,652 75 SH   SOLE   0 0 0
DBX ETF TR XTRACK MSCI EURP 233051853   120,601 2,901 SH   SOLE   0 0 0
DISNEY WALT CO COM 254687106   12,326 124 SH   SOLE   0 0 0
ETF SER SOLUTIONS VIDENT US EQUITY 26922A503   17,712 327 SH   SOLE   0 0 0
GLOBAL X FDS GBL X FTSE ETF 37950E648   16,432 1,132 SH   SOLE   0 0 0
HOME DEPOT INC COM 437076102   23,408 68 SH   SOLE   0 0 0
INVESCO QQQ TR UNIT SER 1 46090E103   2,755 6 SH   SOLE   0 0 0
INVESCO EXCH TRADED FD TR II SR LN ETF 46138G508   290,294 13,797 SH   SOLE   0 0 0
INVESCO EXCH TRD SLF IDX FD BULETSHS 2029 HG 46138J395   448,223 21,385 SH   SOLE   0 0 0
INVESCO EXCH TRD SLF IDX FD INVSCO 28 HYCORP 46138J452   447,530 20,844 SH   SOLE   0 0 0
INVESCO EXCH TRD SLF IDX FD BULETSHS 2029 46138J577   786,329 43,300 SH   SOLE   0 0 0
INVESCO EXCH TRD SLF IDX FD BULETSHS 2027 46138J585   443,270 20,072 SH   SOLE   0 0 0
INVESCO EXCH TRD SLF IDX FD INVSCO BLSH 26 46138J635   498,474 21,612 SH   SOLE   0 0 0
INVESCO EXCH TRD SLF IDX FD INVSCO BLSH 28 46138J643   793,154 39,757 SH   SOLE   0 0 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2026 CB 46138J791   799,741 41,708 SH   SOLE   0 0 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2025 HY 46138J817   501,011 21,869 SH   SOLE   0 0 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2025 CB 46138J825   805,227 39,375 SH   SOLE   0 0 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2024 HY 46138J833   818,243 36,014 SH   SOLE   0 0 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2024 CB 46138J841   4,004,300 190,138 SH   SOLE   0 0 0
INVESCO EXCH TRD SLF IDX FD INVESCO BULLETSH 46139W817   356,630 13,706 SH   SOLE   0 0 0
INVESCO EXCH TRD SLF IDX FD BULLETSHS 2030 46139W841   453,826 17,869 SH   SOLE   0 0 0
INVESCO DB US DLR INDEX TR BULLISH FD 46141D203   92,309 3,169 SH   SOLE   0 0 0
ISHARES INC MSCI AUST ETF 464286103   12,903 528 SH   SOLE   0 0 0
ISHARES INC FRONTIER AND SEL 464286145   71,517 2,604 SH   SOLE   0 0 0
ISHARES INC MSCI BRAZIL ETF 464286400   8,664 317 SH   SOLE   0 0 0
ISHARES INC MSCI CDA ETF 464286509   15,315 413 SH   SOLE   0 0 0
ISHARES INC MSCI ISRAEL ETF 464286632   3,133 52 SH   SOLE   0 0 0
ISHARES INC MSCI CHILE ETF 464286640   1,675 65 SH   SOLE   0 0 0
ISHARES INC MSCI TURKEY ETF 464286715   6,237 148 SH   SOLE   0 0 0
ISHARES INC MSCI STH KOR ETF 464286772   12,483 189 SH   SOLE   0 0 0
ISHARES INC MSCI MEXICO ETF 464286822   6,913 122 SH   SOLE   0 0 0
ISHARES INC MSCI HONG KG ETF 464286871   2,383 156 SH   SOLE   0 0 0
ISHARES TR TIPS BD ETF 464287176   634,883 5,946 SH   SOLE   0 0 0
ISHARES TR CORE S&P500 ETF 464287200   14,871,762 27,176 SH   SOLE   0 0 0
ISHARES TR IBOXX INV CP ETF 464287242   332,804 3,107 SH   SOLE   0 0 0
ISHARES TR 20 YR TR BD ETF 464287432   5,778,121 62,956 SH   SOLE   0 0 0
ISHARES TR MSCI EAFE ETF 464287465   6,661,071 85,039 SH   SOLE   0 0 0
ISHARES TR CORE S&P MCP ETF 464287507   359,823 6,149 SH   SOLE   0 0 0
ISHARES TR RUS 1000 GRW ETF 464287614   1,546,123 4,242 SH   SOLE   0 0 0
ISHARES TR CORE S&P SCP ETF 464287804   8,913,898 83,573 SH   SOLE   0 0 0
ISHARES TR JPMORGAN USD EMG 464288281   691,991 7,821 SH   SOLE   0 0 0
ISHARES TR MSCI KLD400 SOC 464288570   263,969 2,542 SH   SOLE   0 0 0
ISHARES TR NEW ZEALAND ETF 464289123   1,664 37 SH   SOLE   0 0 0
ISHARES TR MSCI PERU AND GL 464289842   1,591 40 SH   SOLE   0 0 0
ISHARES TR CHINA SM-CAP ETF 46429B200   11,989 506 SH   SOLE   0 0 0
ISHARES TR MSCI INDIA ETF 46429B598   21,365 383 SH   SOLE   0 0 0
ISHARES TR MSCI POLAND ETF 46429B606   4,380 179 SH   SOLE   0 0 0
ISHARES TR CORE MSCI EAFE 46432F842   2,467,145 33,964 SH   SOLE   0 0 0
ISHARES INC CORE MSCI EMKT 46434G103   2,356,942 44,030 SH   SOLE   0 0 0
ISHARES INC MSCI TAIWAN ETF 46434G772   5,192 96 SH   SOLE   0 0 0
ISHARES INC ESG AWR MSCI EM 46434G863   66,758 1,991 SH   SOLE   0 0 0
ISHARES TR MSCI SAUDI ARBIA 46434V423   5,997 148 SH   SOLE   0 0 0
ISHARES TR MSCI LW CRB TG 46434V464   17,965 98 SH   SOLE   0 0 0
ISHARES TR MSCI UAE ETF 46434V761   2,531 184 SH   SOLE   0 0 0
ISHARES TR MSCI QATAR ETF 46434V779   1,186 70 SH   SOLE   0 0 0
ISHARES TR HDG MSCI JAPAN 46434V886   27,717 635 SH   SOLE   0 0 0
ISHARES TR IBONDS DEC25 ETF 46434VBD1   3,648,160 146,748 SH   SOLE   0 0 0
ISHARES TR IBONDS DEC24 ETF 46434VBG4   724,528 28,831 SH   SOLE   0 0 0
ISHARES TR ESG AWRE 1 5 YR 46435G243   221,670 9,051 SH   SOLE   0 0 0
ISHARES TR ESG AW MSCI EAFE 46435G516   66,487 844 SH   SOLE   0 0 0
ISHARES TR MSCI GBL SUS DEV 46435G532   16,346 218 SH   SOLE   0 0 0
ISHARES TR IBONDS DEC2026 46435GAA0   3,665,909 153,900 SH   SOLE   0 0 0
ISHARES TR IBDS DEC28 ETF 46435U515   3,551,800 143,391 SH   SOLE   0 0 0
ISHARES TR ESG AWR US AGRGT 46435U549   222,499 4,774 SH   SOLE   0 0 0
ISHARES TR ESG AWARE MSCI 46435U663   65,332 1,697 SH   SOLE   0 0 0
ISHARES TR IBONDS 27 ETF 46435UAA9   4,333,268 182,607 SH   SOLE   0 0 0
ISHARES TR IBONDS DEC 2033 46436E130   4,012,660 159,233 SH   SOLE   0 0 0
ISHARES TR IBONDS DEC 29 46436E205   3,544,120 156,335 SH   SOLE   0 0 0
ISHARES TR IBONDS DEC 2032 46436E312   4,036,309 164,345 SH   SOLE   0 0 0
ISHARES TR IBONDS DEC 2031 46436E486   4,349,083 214,346 SH   SOLE   0 0 0
ISHARES TR IBONDS DEC 2030 46436E726   4,345,023 204,376 SH   SOLE   0 0 0
MASTERCARD INCORPORATED CL A 57636Q104   21,617 49 SH   SOLE   0 0 0
MCDONALDS CORP COM 580135101   9,684 38 SH   SOLE   0 0 0
MICROSOFT CORP COM 594918104   57,210 128 SH   SOLE   0 0 0
MONDELEZ INTL INC CL A 609207105   359,331 5,491 SH   SOLE   0 0 0
NEWS CORP NEW CL B 65249B208   2,640 93 SH   SOLE   0 0 0
NUSHARES ETF TR ESG HI TLD CRP 67092P854   109,811 5,249 SH   SOLE   0 0 0
RTX CORPORATION COM 75513E101   8,031 80 SH   SOLE   0 0 0
RESEARCH SOLUTIONS INC COM 761025105   214,671 84,185 SH   SOLE   0 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   44,690,035 82,118 SH   SOLE   0 0 0
SPDR GOLD TR GOLD SHS 78463V107   19,614 91 SH   SOLE   0 0 0
SPDR INDEX SHS FDS S&P CHINA ETF 78463X400   109,260 1,596 SH   SOLE   0 0 0
SPDR INDEX SHS FDS S&P EMKTSC ETF 78463X756   25,883 447 SH   SOLE   0 0 0
SPDR SER TR FTSE INT GVT ETF 78464A490   320,486 8,322 SH   SOLE   0 0 0
SPDR SER TR BLOOMBERG INTL T 78464A516   282,789 13,196 SH   SOLE   0 0 0
SPDR SER TR BLOOMBERG HIGH Y 78468R622   303,877 3,223 SH   SOLE   0 0 0
SPDR SER TR SPDR S&P 500 ETF 78468R796   265,345 5,949 SH   SOLE   0 0 0
TESLA INC COM 88160R101   67,279 340 SH   SOLE   0 0 0
TEXAS INSTRS INC COM 882508104   21,787 112 SH   SOLE   0 0 0
UNITEDHEALTH GROUP INC COM 91324P102   10,185 20 SH   SOLE   0 0 0
VANECK ETF TRUST AFRICA INDEX ETF 92189F866   17,603 1,118 SH   SOLE   0 0 0
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   1,275 17 SH   SOLE   0 0 0
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   2,607 23 SH   SOLE   0 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   6,895,903 157,585 SH   SOLE   0 0 0
VANGUARD SCOTTSDALE FDS LG-TERM COR BD 92206C813   3,428,856 45,200 SH   SOLE   0 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629   8,719,330 36,015 SH   SOLE   0 0 0
VANGUARD INDEX FDS VALUE ETF 922908744   479,293 2,988 SH   SOLE   0 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751   367,923 1,687 SH   SOLE   0 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769   182,204 681 SH   SOLE   0 0 0
VISA INC COM CL A 92826C839   16,011 61 SH   SOLE   0 0 0
WASTE MGMT INC DEL COM 94106L109   18,134 85 SH   SOLE   0 0 0
WISDOMTREE TR JPN SCAP HDG EQT 97717W521   6,811 195 SH   SOLE   0 0 0
WISDOMTREE TR EUR HDG SMLCAP 97717X552   29,313 778 SH   SOLE   0 0 0
LINDE PLC SHS G54950103   6,143 14 SH   SOLE   0 0 0