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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ABRDN ETFS BBRG ALL COMD K1 003261104   740,138 35,061 SH   SOLE   0 0 35,061
BANK AMERICA CORP COM 060505104   731,292 26,709 SH   SOLE   0 0 26,709
BLACKROCK INCOME TR INC COM NEW 09247F209   442,864 38,916 SH   SOLE   0 0 38,916
BLACKROCK CORE BD TR SHS BEN INT 09249E101   234,828 23,625 SH   SOLE   0 0 23,625
BLACKROCK CORPOR HI YLD FD I COM 09255P107   445,940 51,673 SH   SOLE   0 0 51,673
BLACKROCK MULTI SECTOR INC T COM 09258A107   700,138 48,386 SH   SOLE   0 0 48,386
CITIZENS FINL GROUP INC COM 174610105   684,499 25,541 SH   SOLE   0 0 25,541
DOUBLELINE INCOME SOLUTIONS COM 258622109   662,573 56,534 SH   SOLE   0 0 56,534
FIFTH THIRD BANCORP COM 316773100   700,299 27,647 SH   SOLE   0 0 27,647
FIRST TR EXCHANGE-TRADED FD FIRST TR TA HIYL 33738D408   554,628 14,138 SH   SOLE   0 0 14,138
FORTINET INC COM 34959E109   600,707 10,237 SH   SOLE   0 0 10,237
HUNTINGTON BANCSHARES INC COM 446150104   684,414 65,809 SH   SOLE   0 0 65,809
INCYTE CORP COM 45337C102   593,529 10,274 SH   SOLE   0 0 10,274
INVESCO EXCH TRADED FD TR II NASDAQ 100 ETF 46138G649   7,536,336 51,125 SH   SOLE   0 0 51,125
INVESCO EXCH TRD SLF IDX FD BULSHS 2027 CB 46138J783   245,803 13,120 SH   SOLE   0 0 13,120
INVESCO EXCH TRD SLF IDX FD BULSHS 2025 CB 46138J825   248,741 12,369 SH   SOLE   0 0 12,369
ISHARES TR S&P 500 GRWT ETF 464287309   7,061,491 103,208 SH   SOLE   0 0 103,208
ISHARES TR S&P MC 400GR ETF 464287606   7,018,766 97,159 SH   SOLE   0 0 97,159
ISHARES TR IBOXX HI YD ETF 464288513   1,551,681 21,048 SH   SOLE   0 0 21,048
ISHARES TR CORE MSCI EAFE 46432F842   7,095,102 110,258 SH   SOLE   0 0 110,258
ISHARES TR ESG AWARE MSCI 46435U663   423,115 12,574 SH   SOLE   0 0 12,574
ISHARES TR ESG MSCI USA ETF 46436E767   1,141,215 32,926 SH   SOLE   0 0 32,926
PIMCO DYNAMIC INCOME FD SHS 72201Y101   429,926 24,880 SH   SOLE   0 0 24,880
REGIONS FINANCIAL CORP NEW COM 7591EP100   670,439 38,979 SH   SOLE   0 0 38,979
SPDR S&P 500 ETF TR TR UNIT 78462F103   13,311,300 31,139 SH   SOLE   0 0 31,139
SCHWAB STRATEGIC TR US REIT ETF 808524847   808,211 45,533 SH   SOLE   0 0 45,533
STATE STR CORP COM 857477103   728,257 10,876 SH   SOLE   0 0 10,876
VANGUARD ADMIRAL FDS INC 500 VAL IDX FD 921932703   9,111,872 61,281 SH   SOLE   0 0 61,281
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   1,613,472 23,122 SH   SOLE   0 0 23,122
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   1,438,666 27,736 SH   SOLE   0 0 27,736
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   1,093,583 14,552 SH   SOLE   0 0 14,552
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706   668,901 11,704 SH   SOLE   0 0 11,704
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   1,528,817 20,121 SH   SOLE   0 0 20,121
VANGUARD INDEX FDS SMALL CP ETF 922908751   3,570,209 18,883 SH   SOLE   0 0 18,883
VANGUARD INDEX FDS TOTAL STK MKT 922908769   4,913,681 23,133 SH   SOLE   0 0 23,133
WELLS FARGO CO NEW COM 949746101   771,845 18,890 SH   SOLE   0 0 18,890