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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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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ADOBE INC COM COM 00724F101 390 857 SH   SOLE NONE 0 0 857
ALPHABET INC COM CL A CAP STK CL A 02079K305 689 248 SH   SOLE NONE 0 0 248
AMAZON COM INC COM COM 023135106 2,043 627 SH   SOLE NONE 0 0 627
AMERICAN CENTURY INVESTMENTS DIVERSIFIED MU ETF DIVERSIFIED MU 025072505 669 12,971 SH   SOLE NONE 0 0 12,971
APPLE INC COM COM 037833100 2,014 11,538 SH   SOLE NONE 0 0 11,538
CHEVRON CORPORATION COM COM 166764100 426 2,618 SH   SOLE NONE 0 0 2,618
COSTCO WHOLESALE CORP COM COM 22160K105 401 696 SH   SOLE NONE 0 0 696
FIRST TR EXCHANGE TRADED FD IV SENIOR LN FD ETF SENIOR LN FD 33738D309 1,284 27,295 SH   SOLE NONE 0 0 27,295
FIRST TRUST EXCHANGE-TRADED FU MUNI HI INCM ETF MUNI HI INCM ETF 33739P301 359 7,019 SH   SOLE NONE 0 0 7,019
FLEXSHARES TRUST IBOXX 3R TARGT ETF IBOXX 3R TARGT 33939L506 2,473 95,478 SH   SOLE NONE 0 0 95,478
FRANKLIN TEMPLETON ETF TR DYNAMIC MUNICIPAL BOND ETF LIBERTY FDRL INT 35473P868 899 36,230 SH   SOLE NONE 0 0 36,230
HOME DEPOT INC COM COM 437076102 380 1,272 SH   SOLE NONE 0 0 1,272
INDEXIQ ACTIVE ETF IQ MACKAY INSRED ETF IQ MACKAY INSRED 45409F843 516 20,191 SH   SOLE NONE 0 0 20,191
INVESCO EXCHANGE TRADED FD TR FTSE RAFI 1000 ETF FTSE RAFI 1000 46137V613 261 1,528 SH   SOLE NONE 0 0 1,528
INVESCO EXCHANGE TRADED FD TR S&P 500 TOP 50 ETF S&P 500 TOP 50 46137V233 5,815 16,546 SH   SOLE NONE 0 0 16,546
INVESCO EXCHANGE TRADED FUND T S&P 500 MOMNTM ETF S&P 500 MOMNTM 46138E339 275 4,510 SH   SOLE NONE 0 0 4,510
INVESCO QQQ TRUST UNIT SER 1 ETF UNIT SER 1 46090E103 18,104 49,937 SH   SOLE NONE 0 0 49,937
ISHARES S&P GSCI COMMODITY IDX UNIT BEN INT ETF UNIT BEN INT 46428R107 1,944 85,841 SH   SOLE NONE 0 0 85,841
ISHARES TRUST 0-5 YR TIPS ETF 0-5 YR TIPS ETF 46429B747 2,410 22,968 SH   SOLE NONE 0 0 22,968
ISHARES TRUST IBONDS DEC 27 ETF IBONDS DEC 27 46435U283 552 21,726 SH   SOLE NONE 0 0 21,726
ISHARES TRUST IBONDS DEC 28 ETF IBONDS DEC 28 46435U325 813 31,954 SH   SOLE NONE 0 0 31,954
ISHARES TRUST MORNINGSTAR GRWT ETF MORNINGSTAR GRWT 464287119 1,483 22,829 SH   SOLE NONE 0 0 22,829
ISHARES TRUST PFD AND INCM SEC ETF PFD AND INCM SEC 464288687 602 16,541 SH   SOLE NONE 0 0 16,541
ISHARES US ETF TRUST INFLATION HEDG ETF INFLATION HEDG 46431W580 1,535 52,915 SH   SOLE NONE 0 0 52,915
ISHARES US ETF TRUST INT RT HD LG TRM CORP BD INT RT HD LONG 46431W812 524 21,771 SH   SOLE NONE 0 0 21,771
JP MORGAN ETF TRUST ULTRA SHRT INC ETF ULTRA SHRT INC 46641Q837 401 7,981 SH   SOLE NONE 0 0 7,981
META PLATFORMS INC COM CL A CL A 30303M102 487 2,191 SH   SOLE NONE 0 0 2,191
MICROSOFT CORP COM COM 594918104 647 2,100 SH   SOLE NONE 0 0 2,100
NETFLIX INC COM COM 64110L106 279 746 SH   SOLE NONE 0 0 746
NUVEEN ESG NUVEEN ESG LRG CAP GRWTH ETF NUVEEN ESG LRGCP 67092P201 363 5,980 SH   SOLE NONE 0 0 5,980
NVIDIA CORP COM COM 67066G104 401 1,471 SH   SOLE NONE 0 0 1,471
OLD DOMINION FREIGHT LINE INC COM COM 679580100 300 1,005 SH   SOLE NONE 0 0 1,005
PAYPAL HOLDINGS INC COM COM 70450Y103 379 3,279 SH   SOLE NONE 0 0 3,279
SCHWAB STRATEGIC TR US DIVIDEND EQ ETF US DIVIDEND EQ 808524797 6,535 82,847 SH   SOLE NONE 0 0 82,847
SELECT SECTOR SPDR TRUST ENERGY ETF ENERGY 81369Y506 1,501 19,642 SH   SOLE NONE 0 0 19,642
SELECT SECTOR SPDR TRUST SBI HEALTHCARE ETF SBI HEALTHCARE 81369Y209 487 3,561 SH   SOLE NONE 0 0 3,561
SHOPIFY INC COM CL A CL A 82509L107 458 679 SH   SOLE NONE 0 0 679
SPDR DOW JONES IND UT SER 1 ETF UT SER 1 78467X109 6,748 19,457 SH   SOLE NONE 0 0 19,457
SPDR SERIES TRUST PORTFOLIO INTRMD ETF PORTFOLIO INTRMD 78464A375 2,147 62,896 SH   SOLE NONE 0 0 62,896
TESLA INC COM COM 88160R101 1,673 1,553 SH   SOLE NONE 0 0 1,553
VANECK ETF TRUST FALLEN ANGEL HIGH YLD BD EF FALLEN ANGEL HG 92189F437 981 32,270 SH   SOLE NONE 0 0 32,270
VANECK ETF TRUST VANECK CEF MUNI INCOME ETF CEF MUN INCOME E 92189F460 206 8,148 SH   SOLE NONE 0 0 8,148
VANGUARD CONSUM STP ETF CONSUM STP ETF 92204A207 219 1,122 SH   SOLE NONE 0 0 1,122
VANGUARD MEGA GRWTH IND ETF MEGA GRWTH IND 921910816 9,367 39,795 SH   SOLE NONE 0 0 39,795
VANGUARD S&P 500 ETF SHS S&P 500 ETF SHS 922908363 14,936 35,977 SH   SOLE NONE 0 0 35,977
VANGUARD STRM INFPROIDX ETF STRM INFPROIDX 922020805 3,986 77,850 SH   SOLE NONE 0 0 77,850
VANGUARD TOTAL STK MKT ETF TOTAL STK MKT 922908769 1,030 4,528 SH   SOLE NONE 0 0 4,528
VICTORY PORTFOLIOS II VICTORYSHS INTRM ETF VICTORYSHS INTRM 92647N527 2,190 44,043 SH   SOLE NONE 0 0 44,043
VICTORY PORTFOLIOS II VICTORYSHS SHORT ETF VICTORYSHS SHORT 92647N535 262 5,270 SH   SOLE NONE 0 0 5,270
WALT DISNEY COMPANY (THE) COM COM 254687106 436 3,180 SH   SOLE NONE 0 0 3,180
WASTE MANAGEMENT INC COM COM 94106L109 352 2,223 SH   SOLE NONE 0 0 2,223