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
ABRDN ETFS BBRG ALL COMD K1 003261104   513,998 23,300 SH   SOLE   0 0 23,300
BANK AMERICA CORP COM 060505104   684,060 20,654 SH   SOLE   0 0 20,654
BLACKROCK INCOME TR INC COM NEW 09247F209   452,755 36,690 SH   SOLE   0 0 36,690
BLACKROCK CORE BD TR SHS BEN INT 09249E101   217,280 20,933 SH   SOLE   0 0 20,933
BLACKROCK CORPOR HI YLD FD I COM 09255P107   398,860 45,636 SH   SOLE   0 0 45,636
BLACKROCK MULTI SECTOR INC T COM 09258A107   1,763,411 124,097 SH   SOLE   0 0 124,097
CITIZENS FINL GROUP INC COM 174610105   817,242 20,758 SH   SOLE   0 0 20,758
DOUBLELINE INCOME SOLUTIONS COM 258622109   1,732,408 156,214 SH   SOLE   0 0 156,214
FIFTH THIRD BANCORP COM 316773100   803,550 24,491 SH   SOLE   0 0 24,491
FIRST TR EXCHANGE-TRADED FD FIRST TR TA HIYL 33738D408   544,103 13,973 SH   SOLE   0 0 13,973
FORTINET INC COM 34959E109   711,154 14,546 SH   SOLE   0 0 14,546
HUNTINGTON BANCSHARES INC COM 446150104   725,163 51,430 SH   SOLE   0 0 51,430
INCYTE CORP COM 45337C102   895,809 11,153 SH   SOLE   0 0 11,153
INVESCO EXCH TRD SLF IDX FD BULSHS 2027 CB 46138J783   218,500 11,503 SH   SOLE   0 0 11,503
INVESCO EXCH TRD SLF IDX FD BULSHS 2025 CB 46138J825   215,498 10,700 SH   SOLE   0 0 10,700
ISHARES TR IBOXX HI YD ETF 464288513   1,438,752 19,540 SH   SOLE   0 0 19,540
ISHARES TR ESG AWR MSCI USA 46435G425   853,433 10,070 SH   SOLE   0 0 10,070
PIMCO DYNAMIC INCOME FD SHS 72201Y101   372,280 20,145 SH   SOLE   0 0 20,145
REGIONS FINANCIAL CORP NEW COM 7591EP100   793,796 36,818 SH   SOLE   0 0 36,818
SPDR S&P 500 ETF TR TR UNIT 78462F103   5,016,334 13,117 SH   SOLE   0 0 13,117
SCHWAB STRATEGIC TR US REIT ETF 808524847   700,574 36,318 SH   SOLE   0 0 36,318
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   2,506,229 34,886 SH   SOLE   0 0 34,886
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   1,217,149 24,275 SH   SOLE   0 0 24,275
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   908,446 12,082 SH   SOLE   0 0 12,082
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706   640,109 10,946 SH   SOLE   0 0 10,946
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   1,375,284 17,743 SH   SOLE   0 0 17,743
VANGUARD INDEX FDS SMALL CP ETF 922908751   2,957,013 16,111 SH   SOLE   0 0 16,111
VANGUARD INDEX FDS TOTAL STK MKT 922908769   3,951,515 20,668 SH   SOLE   0 0 20,668