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
3M CO COM 88579Y101   814,626 6,425 SH   SOLE   6,425 0 0
ABBOTT LABS COM 002824100   965,154 8,606 SH   SOLE   8,606 0 0
ABBVIE INC COM 00287Y109   1,638,581 10,136 SH   SOLE   10,136 0 0
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   923,359 3,373 SH   SOLE   3,373 0 0
ALLIANCEBERNSTEIN GLOBAL HIG COM 01879R106   3,564,231 366,690 SH   SOLE   366,690 0 0
ALLIANCEBERNSTEIN NATL MUN I COM 01864U106   3,865,279 360,567 SH   SOLE   360,567 0 0
ALPHABET INC CAP STK CL C 02079K107   2,104,641 23,701 SH   SOLE   23,701 0 0
ALPHABET INC CAP STK CL A 02079K305   1,042,333 11,842 SH   SOLE   11,842 0 0
ALPS ETF TR ALERIAN MLP 00162Q452   882,357 22,469 SH   SOLE   22,469 0 0
ALTRIA GROUP INC COM 02209S103   396,532 8,624 SH   SOLE   8,624 0 0
AMAZON COM INC COM 023135106   891,684 10,207 SH   SOLE   10,207 0 0
AMERICAN CENTY ETF TR INTL SMCP VLU 025072802   700,335 12,284 SH   SOLE   12,284 0 0
AMERICAN CENTY ETF TR US SML CP VALU 025072877   694,097 9,084 SH   SOLE   9,084 0 0
AMERICAN EXPRESS CO COM 025816109   229,510 1,526 SH   SOLE   1,526 0 0
AMGEN INC COM 031162100   471,900 1,747 SH   SOLE   1,747 0 0
ANGEL OAK MTG INC COM 03464Y108   10,716,188 1,592,301 SH   SOLE   1,592,301 0 0
APOLLO GLOBAL MGMT INC COM 03769M106   507,471 7,769 SH   SOLE   7,769 0 0
APPLE INC COM 037833100   8,135,667 62,510 SH   SOLE   62,510 0 0
ARES DYNAMIC CR ALLOCATION F COM 04014F102   3,954,374 332,300 SH   SOLE   332,300 0 0
ARK ETF TR INNOVATION ETF 00214Q104   325,112 9,670 SH   SOLE   9,670 0 0
ARK ETF TR GENOMIC REV ETF 00214Q302   206,379 6,829 SH   SOLE   6,829 0 0
AT&T INC COM 00206R102   249,919 13,126 SH   SOLE   13,126 0 0
BANK AMERICA CORP COM 060505104   303,531 8,956 SH   SOLE   8,956 0 0
BANK NEW YORK MELLON CORP COM 064058100   275,698 5,727 SH   SOLE   5,727 0 0
BARINGS GLOBAL SHORT DURATIO COM 06760L100   3,392,781 257,614 SH   SOLE   257,614 0 0
BECTON DICKINSON & CO COM 075887109   205,999 816 SH   SOLE   816 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   2,059,780 6,528 SH   SOLE   6,528 0 0
BERKSHIRE HATHAWAY INC DEL CL A 084670108   478,385 1 SH   SOLE   1 0 0
BIRD GLOBAL INC COM CL A 09077J107   5,563 25,000 SH   SOLE   25,000 0 0
BLACKROCK INC COM 09247X101   345,622 459 SH   SOLE   459 0 0
BLACKROCK MUNICIPAL INCOME COM 09253X102   4,594,517 393,366 SH   SOLE   393,366 0 0
BLACKROCK MUNIYIELD FD INC COM 09253W104   3,969,909 371,020 SH   SOLE   371,020 0 0
BLACKROCK MUNIYIELD QUALITY COM 09254E103   593,672 52,724 SH   SOLE   52,724 0 0
BLACKSTONE STRATEGIC CREDIT COM SHS BEN IN 09257R101   4,328,940 403,819 SH   SOLE   403,819 0 0
BOEING CO COM 097023105   1,863,782 8,936 SH   SOLE   8,936 0 0
BOOKING HOLDINGS INC COM 09857L108   271,634 123 SH   SOLE   123 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108   341,771 4,813 SH   SOLE   4,813 0 0
BROADRIDGE FINL SOLUTIONS IN COM 11133T103   234,890 1,694 SH   SOLE   1,694 0 0
BROOKFIELD CORP CL A LTD VT SH 11271J107   246,186 7,275 SH   SOLE   7,275 0 0
BROOKFIELD INFRAST PARTNERS LP INT UNIT G16252101   504,300 15,000 SH   SOLE   15,000 0 0
CBRE GROUP INC CL A 12504L109   412,561 5,046 SH   SOLE   5,046 0 0
CHEVRON CORP NEW COM 166764100   693,538 3,959 SH   SOLE   3,959 0 0
CISCO SYS INC COM 17275R102   754,205 15,525 SH   SOLE   15,525 0 0
CME GROUP INC COM 12572Q105   489,955 2,787 SH   SOLE   2,787 0 0
COCA COLA CO COM 191216100   620,590 9,912 SH   SOLE   9,912 0 0
COMCAST CORP NEW CL A 20030N101   303,714 8,088 SH   SOLE   8,088 0 0
CONAGRA BRANDS INC COM 205887102   284,678 7,043 SH   SOLE   7,043 0 0
COSTCO WHSL CORP NEW COM 22160K105   290,123 606 SH   SOLE   606 0 0
CUMMINS INC COM 231021106   264,322 1,082 SH   SOLE   1,082 0 0
D R HORTON INC COM 23331A109   369,503 3,983 SH   SOLE   3,983 0 0
DANAHER CORPORATION COM 235851102   252,755 991 SH   SOLE   991 0 0
DEERE & CO COM 244199105   246,215 575 SH   SOLE   575 0 0
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807   1,112,916 35,197 SH   SOLE   35,197 0 0
DIMENSIONAL ETF TRUST US LARGE CAP VAL 25434V666   810,532 32,305 SH   SOLE   32,305 0 0
DIMENSIONAL ETF TRUST EMERGING MKTS VA 25434V740   610,552 25,838 SH   SOLE   25,838 0 0
DIMENSIONAL ETF TRUST INTL SMALL CAP E 25434V773   584,926 26,089 SH   SOLE   26,089 0 0
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500   331,443 6,312 SH   SOLE   6,312 0 0
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724   290,738 8,531 SH   SOLE   8,531 0 0
DIMENSIONAL ETF TRUST US SMALL CAP VAL 25434V815   262,502 10,262 SH   SOLE   10,262 0 0
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609   260,142 5,754 SH   SOLE   5,754 0 0
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880   246,250 10,896 SH   SOLE   10,896 0 0
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   217,315 8,710 SH   SOLE   8,710 0 0
DISNEY WALT CO COM 254687106   491,572 5,187 SH   SOLE   5,187 0 0
DNP SELECT INCOME FD INC COM 23325P104   2,453,372 214,831 SH   SOLE   214,831 0 0
DOUBLELINE INCOME SOLUTIONS COM 258622109   376,584 31,200 SH   SOLE   31,200 0 0
DWS MUN INCOME TR COM 233368109   3,764,358 423,437 SH   SOLE   423,437 0 0
EATON VANCE CALIF MUN BD FD COM 27828A100   204,473 23,104 SH   SOLE   23,104 0 0
EATON VANCE CALIF MUN INCOM SH BEN INT 27826F101   213,074 21,034 SH   SOLE   21,034 0 0
EXCHANGE LISTED FDS TR SABA INT RATE 30151E806   191,510 10,675 SH   SOLE   10,675 0 0
EXCHANGE TRADED CONCEPTS TR ROBO GLB ETF 301505707   267,981 5,485 SH   SOLE   5,485 0 0
EXXON MOBIL CORP COM 30231G102   1,090,449 10,053 SH   SOLE   10,053 0 0
FIRST TR EXCH TRADED FD III MERGER ARBITRA 33740J203   6,250,154 310,798 SH   SOLE   310,798 0 0
FIRST TR EXCH TRADED FD III MANAGD MUN ETF 33739N108   2,666,539 52,553 SH   SOLE   52,553 0 0
FIRST TR EXCH TRADED FD III PFD SECS INC ETF 33739E108   1,182,713 67,972 SH   SOLE   67,972 0 0
FIRST TR EXCH TRD ALPHDX FD ASIA EX JAPAN 33737J109   3,903,710 145,988 SH   SOLE   145,988 0 0
FIRST TR EXCHANGE TRADED FD NASDQ CLN EDGE 33737A108   291,574 3,234 SH   SOLE   3,234 0 0
FIRST TR EXCHANGE-TRADED FD FST LOW OPPT EFT 33739Q200   9,980,117 208,876 SH   SOLE   208,876 0 0
FRANKLIN TEMPLETON ETF TR FRANKLIN ASIA 35473P660   221,851 10,172 SH   SOLE   10,172 0 0
GALECTIN THERAPEUTICS INC COM NEW 363225202   22,535 19,261 SH   SOLE   19,261 0 0
GAMING & LEISURE PPTYS INC COM 36467J108   5,629,184 110,724 SH   SOLE   110,724 0 0
GENERAL ELECTRIC CO COM NEW 369604301   490,377 6,748 SH   SOLE   6,748 0 0
GLOBAL X FDS GLBL X MLP ETF 37954Y343   2,145,664 50,653 SH   SOLE   50,653 0 0
HALOZYME THERAPEUTICS INC COM 40637H109   1,897,669 34,478 SH   SOLE   34,478 0 0
HOME DEPOT INC COM 437076102   713,166 2,244 SH   SOLE   2,244 0 0
HONEYWELL INTL INC COM 438516106   398,588 1,892 SH   SOLE   1,892 0 0
INDAPTUS THERAPEUTICS INC COM 45339J105   38,400 24,000 SH   SOLE   24,000 0 0
INDEPENDENCE RLTY TR INC COM 45378A106   265,670 16,160 SH   SOLE   16,160 0 0
INTEL CORP COM 458140100   256,264 8,743 SH   SOLE   8,743 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101   386,580 2,693 SH   SOLE   2,693 0 0
INVESCO CALIF VALUE MUN INCO COM 46132H106   321,131 32,802 SH   SOLE   32,802 0 0
INVESCO EXCH TRADED FD TR II NATL AMT MUNI 46138E537   201,325 8,567 SH   SOLE   8,567 0 0
INVESCO EXCHANGE TRADED FD T INVESCO MSCI 46137V407   238,376 4,882 SH   SOLE   4,882 0 0
INVESCO QQQ TR UNIT SER 1 46090E103   394,785 1,447 SH   SOLE   1,447 0 0
INVESCO QUALITY MUN INCOME T COM 46133G107   3,948,539 396,042 SH   SOLE   396,042 0 0
INVESCO SR INCOME TR COM 46131H107   5,685,821 1,492,341 SH   SOLE   1,492,341 0 0
INVESTMENT MANAGERS SER TR KNWLDL LD ETF 46143U849   1,872,192 50,439 SH   SOLE   50,439 0 0
ISHARES GOLD TR ISHARES NEW 464285204   6,125,678 171,973 SH   SOLE   171,973 0 0
ISHARES TR CORE S&P500 ETF 464287200   8,037,818 20,633 SH   SOLE   20,633 0 0
ISHARES TR SELECT DIVID ETF 464287168   5,966,225 48,329 SH   SOLE   48,329 0 0
ISHARES TR IBONDS 23 TRM TS 46436E882   5,846,499 236,509 SH   SOLE   236,509 0 0
ISHARES TR MSCI EAFE ETF 464287465   4,795,352 70,087 SH   SOLE   70,087 0 0
ISHARES TR 1 3 YR TREAS BD 464287457   3,435,897 42,107 SH   SOLE   42,107 0 0
ISHARES TR MSCI ACWI ETF 464288257   3,369,317 38,612 SH   SOLE   38,612 0 0
ISHARES TR CORE S&P MCP ETF 464287507   3,020,149 12,175 SH   SOLE   12,175 0 0
ISHARES TR SHRT NAT MUN ETF 464288158   2,999,767 28,637 SH   SOLE   28,637 0 0
ISHARES TR CORE S&P TTL STK 464287150   2,333,131 27,114 SH   SOLE   27,114 0 0
ISHARES TR RUS MID CAP ETF 464287499   2,228,889 32,242 SH   SOLE   32,242 0 0
ISHARES TR RUS 1000 VAL ETF 464287598   2,159,354 13,949 SH   SOLE   13,949 0 0
ISHARES TR RUSSELL 2000 ETF 464287655   1,999,830 11,243 SH   SOLE   11,243 0 0
ISHARES TR COHEN STEER REIT 464287564   1,820,756 32,543 SH   SOLE   32,543 0 0
ISHARES TR RUS 1000 GRW ETF 464287614   1,449,424 6,710 SH   SOLE   6,710 0 0
ISHARES TR CALIF MUN BD ETF 464288356   1,448,391 25,455 SH   SOLE   25,455 0 0
ISHARES TR CORE MSCI EAFE 46432F842   1,420,260 22,126 SH   SOLE   22,126 0 0
ISHARES TR CORE MSCI INTL 46435G326   1,081,287 18,582 SH   SOLE   18,582 0 0
ISHARES TR MRGSTR MD CP VAL 464288406   1,007,844 15,684 SH   SOLE   15,684 0 0
ISHARES TR CORE S&P SCP ETF 464287804   960,187 9,896 SH   SOLE   9,896 0 0
ISHARES TR MSCI AC ASIA ETF 464288182   958,558 13,834 SH   SOLE   13,834 0 0
ISHARES TR US HLTHCARE ETF 464287762   939,051 3,370 SH   SOLE   3,370 0 0
ISHARES TR U.S. TECH ETF 464287721   796,298 10,550 SH   SOLE   10,550 0 0
ISHARES TR S&P 100 ETF 464287101   765,857 4,448 SH   SOLE   4,448 0 0
ISHARES TR ISHARES BIOTECH 464287556   674,378 5,176 SH   SOLE   5,176 0 0
ISHARES TR MSCI EMG MKT ETF 464287234   569,482 14,107 SH   SOLE   14,107 0 0
ISHARES TR CORE US AGGBD ET 464287226   522,926 5,264 SH   SOLE   5,264 0 0
ISHARES TR IBONDS DEC23 ETF 46434VAX8   396,045 15,798 SH   SOLE   15,798 0 0
ISHARES TR ISHS 1-5YR INVS 464288646   366,606 7,300 SH   SOLE   7,300 0 0
ISHARES TR CORE INTL AGGR 46435G672   288,454 5,988 SH   SOLE   5,988 0 0
ISHARES TR SHORT TREAS BD 464288679   282,466 2,568 SH   SOLE   2,568 0 0
ISHARES TR IBOXX HI YD ETF 464288513   268,787 3,546 SH   SOLE   3,546 0 0
ISHARES TR RUS MDCP VAL ETF 464287473   261,726 2,414 SH   SOLE   2,414 0 0
ISHARES TR NATIONAL MUN ETF 464288414   257,557 2,410 SH   SOLE   2,410 0 0
ISHARES TR SP SMCP600VL ETF 464287879   249,922 2,650 SH   SOLE   2,650 0 0
ISHARES TR GL CLEAN ENE ETF 464288224   239,557 11,948 SH   SOLE   11,948 0 0
ISHARES TR EAFE SML CP ETF 464288273   235,639 4,046 SH   SOLE   4,046 0 0
ISHARES TR ESG AWR MSCI USA 46435G425   227,377 2,647 SH   SOLE   2,647 0 0
J P MORGAN EXCHANGE TRADED F US AGGREGATE ETF 46641Q241   3,436,454 73,366 SH   SOLE   73,366 0 0
JOHNSON & JOHNSON COM 478160104   1,222,020 6,960 SH   SOLE   6,960 0 0
JPMORGAN CHASE & CO COM 46625H100   2,837,103 20,653 SH   SOLE   20,653 0 0
KAYNE ANDERSON ENERGY INFRST COM 486606106   126,386 14,645 SH   SOLE   14,645 0 0
LILLY ELI & CO COM 532457108   776,972 2,221 SH   SOLE   2,221 0 0
LISTED FD TR HORIZON KINETICS 53656F623   1,078,721 34,398 SH   SOLE   34,398 0 0
LUMINAR TECHNOLOGIES INC COM CL A 550424105   1,080,000 250,000 SH   SOLE   250,000 0 0
LYFT INC CL A COM 55087P104   204,724 16,120 SH   SOLE   16,120 0 0
MASTERCARD INCORPORATED CL A 57636Q104   460,003 1,240 SH   SOLE   1,240 0 0
MCDONALDS CORP COM 580135101   720,626 2,696 SH   SOLE   2,696 0 0
MERCK & CO INC COM 58933Y105   782,042 7,085 SH   SOLE   7,085 0 0
META PLATFORMS INC CL A 30303M102   293,120 2,264 SH   SOLE   2,264 0 0
METLIFE INC COM 59156R108   201,750 2,828 SH   SOLE   2,828 0 0
MICROSOFT CORP COM 594918104   5,563,218 24,495 SH   SOLE   24,495 0 0
MORGAN STANLEY COM NEW 617446448   427,771 4,881 SH   SOLE   4,881 0 0
MOTOROLA SOLUTIONS INC COM NEW 620076307   471,443 1,809 SH   SOLE   1,809 0 0
NETFLIX INC COM 64110L106   209,588 665 SH   SOLE   665 0 0
NEUBERGER BRMAN CLIFRN MUNI COM 64123C101   464,176 40,789 SH   SOLE   40,789 0 0
NEXTERA ENERGY INC COM 65339F101   477,181 5,676 SH   SOLE   5,676 0 0
NIKE INC CL B 654106103   306,507 2,455 SH   SOLE   2,455 0 0
NORTHERN TR CORP COM 665859104   490,457 5,206 SH   SOLE   5,206 0 0
NUVEEN AMT FREE QLTY MUN INC COM 670657105   146,866 12,997 SH   SOLE   12,997 0 0
NUVEEN CA QUALTY MUN INCOME COM 67066Y105   257,006 22,764 SH   SOLE   22,764 0 0
NUVEEN CALIFORNIA AMT QLT MU COM 670651108   262,206 20,421 SH   SOLE   20,421 0 0
NUVEEN QUALITY MUNCP INCOME COM 67066V101   152,186 12,930 SH   SOLE   12,930 0 0
NVIDIA CORPORATION COM 67066G104   536,978 3,436 SH   SOLE   3,436 0 0
ORACLE CORP COM 68389X105   681,854 7,890 SH   SOLE   7,890 0 0
PAYCHEX INC COM 704326107   237,755 2,025 SH   SOLE   2,025 0 0
PEPSICO INC COM 713448108   878,538 4,899 SH   SOLE   4,899 0 0
PFIZER INC COM 717081103   2,147,258 44,374 SH   SOLE   44,374 0 0
PGIM HIGH YIELD BOND FUND IN COM 69346H100   5,970,058 485,371 SH   SOLE   485,371 0 0
PHILLIPS EDISON & CO INC COMMON STOCK 71844V201   344,525 10,790 SH   SOLE   10,790 0 0
PRA GROUP INC COM 69354N106   2,046,396 58,636 SH   SOLE   58,636 0 0
PROCTER AND GAMBLE CO COM 742718109   2,896,139 19,049 SH   SOLE   19,049 0 0
PROSHARES TR SHORT S&P 500 NE 74347B425   372,655 23,751 SH   SOLE   23,751 0 0
PRUDENTIAL FINL INC COM 744320102   359,533 3,659 SH   SOLE   3,659 0 0
PUTNAM PREMIER INCOME TR SH BEN INT 746853100   3,384,836 907,463 SH   SOLE   907,463 0 0
REUNION NEUROSCIENCE INC COM 76134G103   40,122 30,000 SH   SOLE   30,000 0 0
ROBINHOOD MKTS INC COM CL A 770700102   300,832 35,185 SH   SOLE   35,185 0 0
RPM INTL INC COM 749685103   237,537 2,730 SH   SOLE   2,730 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   4,949,284 108,063 SH   SOLE   108,063 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   4,242,951 126,316 SH   SOLE   126,316 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   3,617,387 79,590 SH   SOLE   79,590 0 0
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   3,401,673 70,181 SH   SOLE   70,181 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   1,719,594 41,456 SH   SOLE   41,456 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   1,613,905 64,325 SH   SOLE   64,325 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   1,504,748 22,073 SH   SOLE   22,073 0 0
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755   1,467,181 48,486 SH   SOLE   48,486 0 0
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730   1,137,213 43,538 SH   SOLE   43,538 0 0
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771   909,810 16,539 SH   SOLE   16,539 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   278,302 5,973 SH   SOLE   5,973 0 0
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888   211,308 6,464 SH   SOLE   6,464 0 0
SELECT SECTOR SPDR TR ENERGY 81369Y506   1,439,363 16,497 SH   SOLE   16,497 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   853,562 6,765 SH   SOLE   6,765 0 0
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   545,494 15,475 SH   SOLE   15,475 0 0
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   421,144 3,157 SH   SOLE   3,157 0 0
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704   335,737 3,342 SH   SOLE   3,342 0 0
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886   235,026 3,288 SH   SOLE   3,288 0 0
SOFI TECHNOLOGIES INC COM 83406F102   76,440 15,859 SH   SOLE   15,859 0 0
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109   390,613 1,165 SH   SOLE   1,165 0 0
SPDR GOLD TR GOLD SHS 78463V107   4,246,821 24,393 SH   SOLE   24,393 0 0
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   13,897,297 449,169 SH   SOLE   449,169 0 0
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   1,885,357 54,192 SH   SOLE   54,192 0 0
SPDR INDEX SHS FDS EURO STOXX 50 78463X202   313,162 7,537 SH   SOLE   7,537 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   16,257,611 41,916 SH   SOLE   41,916 0 0
SPDR SER TR PORTFOLIO S&P500 78464A854   15,869,701 348,020 SH   SOLE   348,020 0 0
SPDR SER TR PORTFOLIO SH TSR 78468R101   6,148,612 211,802 SH   SOLE   211,802 0 0
SPDR SER TR PORTFOLIO S&P600 78468R853   6,095,775 158,703 SH   SOLE   158,703 0 0
SPDR SER TR PORTFOLIO S&P400 78464A847   5,724,122 130,035 SH   SOLE   130,035 0 0
SPDR SER TR PORTFOLIO INTRMD 78464A375   3,494,729 108,129 SH   SOLE   108,129 0 0
SPDR SER TR NUVEEN BLMBRG SH 78468R739   394,509 8,330 SH   SOLE   8,330 0 0
SPDR SER TR PRTFLO S&P500 VL 78464A508   352,181 8,726 SH   SOLE   8,726 0 0
STARWOOD PPTY TR INC COM 85571B105   190,300 10,000 SH   SOLE   10,000 0 0
TARGET CORP COM 87612E106   622,429 3,981 SH   SOLE   3,981 0 0
TESLA INC COM 88160R101   3,075,334 25,677 SH   SOLE   25,677 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102   1,278,397 2,341 SH   SOLE   2,341 0 0
TREEHOUSE FOODS INC COM 89469A104   273,570 5,500 SH   SOLE   5,500 0 0
UNION PAC CORP COM 907818108   330,512 1,563 SH   SOLE   1,563 0 0
UNITEDHEALTH GROUP INC COM 91324P102   1,270,236 2,592 SH   SOLE   2,592 0 0
US BANCORP DEL COM NEW 902973304   589,943 12,657 SH   SOLE   12,657 0 0
VANECK ETF TRUST AGRIBUSINESS ETF 92189F700   945,559 10,700 SH   SOLE   10,700 0 0
VANECK ETF TRUST MRNGSTR WDE MOAT 92189F643   244,379 3,588 SH   SOLE   3,588 0 0
VANECK ETF TRUST GOLD MINERS ETF 92189F106   219,887 6,906 SH   SOLE   6,906 0 0
VANGUARD ADMIRAL FDS INC 500 GRTH IDX F 921932505   453,779 2,150 SH   SOLE   2,150 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769   5,508,840 28,379 SH   SOLE   28,379 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   3,759,417 10,476 SH   SOLE   10,476 0 0
VANGUARD INDEX FDS VALUE ETF 922908744   2,452,796 17,233 SH   SOLE   17,233 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629   2,230,143 10,696 SH   SOLE   10,696 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751   2,175,410 11,571 SH   SOLE   11,571 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   1,977,091 23,425 SH   SOLE   23,425 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611   484,240 2,973 SH   SOLE   2,973 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   2,172,138 52,709 SH   SOLE   52,709 0 0
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   1,330,442 15,018 SH   SOLE   15,018 0 0
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874   683,040 11,662 SH   SOLE   11,662 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   659,454 12,573 SH   SOLE   12,573 0 0
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718   232,035 2,172 SH   SOLE   2,172 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   562,978 11,208 SH   SOLE   11,208 0 0
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   5,517,176 94,911 SH   SOLE   94,911 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   1,202,038 7,770 SH   SOLE   7,770 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   3,891,787 89,037 SH   SOLE   89,037 0 0
VANGUARD WORLD FDS INF TECH ETF 92204A702   351,594 1,085 SH   SOLE   1,085 0 0
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504   270,163 1,107 SH   SOLE   1,107 0 0
VANGUARD WORLD FDS ENERGY ETF 92204A306   230,262 1,912 SH   SOLE   1,912 0 0
VERIZON COMMUNICATIONS INC COM 92343V104   648,557 15,677 SH   SOLE   15,677 0 0
VISA INC COM CL A 92826C839   603,117 2,759 SH   SOLE   2,759 0 0
WALMART INC COM 931142103   611,688 4,220 SH   SOLE   4,220 0 0
WESTERN ASSET MANAGED MUNS F COM 95766M105   3,411,734 329,318 SH   SOLE   329,318 0 0
WILLIS TOWERS WATSON PLC LTD SHS G96629103   451,711 1,771 SH   SOLE   1,771 0 0