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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
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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 830,036 6,388 SH   SOLE   6,388 0 0
FIDELITY MERRIMACK STR TR LTD TRM BD ETF 316188200 BBG0078XLZ93 895,800 18,674 SH   SOLE   18,674 0 0
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309 BBG0078X1341 6,659,155 147,915 SH   SOLE   147,915 0 0
FIRST TR EXCH TRADED FD III MANAGD MUN ETF 33739N108 BBG006H1W526 2,463,317 49,158 SH   SOLE   49,158 0 0
FIRST TR EXCHANGE TRADED FD WTR ETF 33733B100 BBG001SS8248 223,448 2,815 SH   SOLE   2,815 0 0
GLOBAL X FDS GLB X MLP ENRG I 37954Y293 BBG004Y67XK8 5,424,302 133,079 SH   SOLE   133,079 0 0
GLOBAL X FDS MILLENNIAL CONSU 37954Y764 BBG00CV462X3 272,243 10,430 SH   SOLE   10,430 0 0
INVESCO ACTVELY MNGD ETC FD OPTIMUM YIELD 46090F100 BBG007HL81B6 5,845,931 395,529 SH   SOLE   395,529 0 0
INVESCO EXCHANGE TRADED FD T S&P500 QUALITY 46137V241 BBG001SDTVQ0 2,068,585 47,013 SH   SOLE   47,013 0 0
ISHARES INC MSCI AGRICULTURE 464286350 BBG002GKQX93 556,992 12,998 SH   SOLE   12,998 0 0
ISHARES TR 7-10 YR TRSY BD 464287440 BBG001S80936 8,144,719 85,035 SH   SOLE   85,035 0 0
ISHARES TR CORE DIV GRWTH 46434V621 BBG006MJFZK4 325,980 6,519 SH   SOLE   6,519 0 0
ISHARES TR FALN ANGLS USD 46435G474 BBG00D332C84 317,679 12,908 SH   SOLE   12,908 0 0
ISHARES TR FLTG RATE NT ETF 46429B655 BBG001V1QYX1 7,288,057 144,805 SH   SOLE   144,805 0 0
ISHARES TR MSCI INTL QUALTY 46434V456 BBG007WGM3H4 771,675 23,824 SH   SOLE   23,824 0 0
ISHARES TR MSCI USA MIN VOL 46429B697 BBG0025X2G81 8,527,488 118,273 SH   SOLE   118,273 0 0
ISHARES TR MSCI USA MMENTM 46432F396 BBG004FPV022 523,087 3,584 SH   SOLE   3,584 0 0
ISHARES TR MSCI USA QLT FCT 46432F339 BBG004TRTWW3 702,552 6,164 SH   SOLE   6,164 0 0
ISHARES TR MSCI USA SMCP MN 46435G433 BBG00DRM2VW7 9,016,958 260,065 SH   SOLE   260,065 0 0
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332 BBG00TSG0SK6 400,065 7,342 SH   SOLE   7,342 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 BBG001T5XQY3 1,229,033 38,156 SH   SOLE   38,156 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 BBG001T5XQT9 302,223 6,265 SH   SOLE   6,265 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 BBG0025RWLM4 16,982,957 224,820 SH   SOLE   224,820 0 0
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 BBG001T66WQ7 784,084 11,876 SH   SOLE   11,876 0 0
SCHWAB STRATEGIC TR US REIT ETF 808524847 BBG001V039G2 5,746,711 297,911 SH   SOLE   297,911 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870 BBG001T9F777 1,157,807 22,355 SH   SOLE   22,355 0 0
SPDR INDEX SHS FDS S&P GBLINF ETF 78463X855 BBG001SRXRM7 7,094,826 135,345 SH   SOLE   135,345 0 0
SPDR SER TR BBG CONV SEC ETF 78464A359 BBG001T2PMD1 610,367 9,486 SH   SOLE   9,486 0 0
SPDR SER TR NUVEEN BLMBRG SH 78468R739 BBG001T083N5 437,689 9,316 SH   SOLE   9,316 0 0
SPDR SER TR PORTFOLIO S&P400 78464A847 BBG001SPT9T9 934,713 21,993 SH   SOLE   21,993 0 0
SPDR SER TR PORTFOLIO S&P600 78468R853 BBG004T58LZ5 589,459 15,944 SH   SOLE   15,944 0 0
SPDR SER TR PRTFLO S&P500 GW 78464A409 BBG001SD7RB9 10,196,543 201,234 SH   SOLE   201,234 0 0
SPDR SER TR PRTFLO S&P500 VL 78464A508 BBG001SG4284 487,676 12,539 SH   SOLE   12,539 0 0
SPDR SER TR RUSSELL YIELD 78468R770 BBG00BL38SV1 314,176 3,353 SH   SOLE   3,353 0 0
SPDR SER TR S&P KENSHO FUTRE 78468R671 BBG00JHP62Q5 317,837 7,395 SH   SOLE   7,395 0 0
SPDR SER TR SSGA US LRG ETF 78468R804 BBG0045LC1R4 425,256 3,135 SH   SOLE   3,135 0 0
SSGA ACTIVE ETF TR BLACKSTONE SENR 78467V608 BBG004DF1DW8 821,357 20,082 SH   SOLE   20,082 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 BBG001TC6MC1 710,760 2,023 SH   SOLE   2,023 0 0
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 BBG003H12XS7 9,360,006 200,385 SH   SOLE   200,385 0 0
WISDOMTREE TR EM EX ST-OWNED 97717X578 BBG007PB9N20 774,024 29,011 SH   SOLE   29,011 0 0
WISDOMTREE TR FLOATNG RAT TREA 97717Y527 BBG005YHYNG8 15,034,063 299,066 SH   SOLE   299,066 0 0
WISDOMTREE TR ITL HDG QTLY DIV 97717X594 BBG006G0J5J6 7,232,429 202,987 SH   SOLE   202,987 0 0
WISDOMTREE TR US QTLY DIV GRT 97717X669 BBG004LMH3Z6 11,364,019 188,270 SH   SOLE   188,270 0 0