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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
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
APPLE INC COM 037833100 BBG001S5N8V8 1,155,673 6,750 SH   SOLE   6,750 0 0
BERKSHIRE HATHAWAY INC DEL CL A 084670108 BBG001S902J2 1,062,954 200 SH   SOLE   200 0 0
EXXON MOBIL CORP COM 30231G102 BBG001S69V32 214,524 1,824 SH   SOLE   1,824 0 0
FIDELITY MERRIMACK STR TR LTD TRM BD ETF 316188200 BBG0078XLZ93 862,673 18,049 SH   SOLE   18,049 0 0
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309 BBG0078X1341 13,495,535 309,184 SH   SOLE   309,184 0 0
FIRST TR EXCH TRADED FD III MANAGD MUN ETF 33739N108 BBG006H1W526 3,969,301 81,205 SH   SOLE   81,205 0 0
INVESCO ACTVELY MNGD ETC FD OPTIMUM YIELD 46090F100 BBG007HL81B6 9,777,488 654,012 SH   SOLE   654,012 0 0
INVESCO EXCHANGE TRADED FD T S&P 500 GARP ETF 46137V431 BBG001V28DF5 6,679,971 73,213 SH   SOLE   73,213 0 0
INVESCO EXCHANGE TRADED FD T S&P500 QUALITY 46137V241 BBG001SDTVQ0 5,502,991 109,971 SH   SOLE   109,971 0 0
ISHARES TR 7-10 YR TRSY BD 464287440 BBG001S80936 15,828,633 172,820 SH   SOLE   172,820 0 0
ISHARES TR CORE DIV GRWTH 46434V621 BBG006MJFZK4 322,915 6,519 SH   SOLE   6,519 0 0
ISHARES TR FLTG RATE NT ETF 46429B655 BBG001V1QYX1 4,197,534 82,482 SH   SOLE   82,482 0 0
ISHARES TR MSCI INTL QUALTY 46434V456 BBG007WGM3H4 838,147 24,937 SH   SOLE   24,937 0 0
ISHARES TR MSCI USA MIN VOL 46429B697 BBG0025X2G81 10,109,325 139,700 SH   SOLE   139,700 0 0
ISHARES TR MSCI USA QLT FCT 46432F339 BBG004TRTWW3 819,721 6,219 SH   SOLE   6,219 0 0
ISHARES TR MSCI USA SMCP MN 46435G433 BBG00DRM2VW7 10,327,076 312,868 SH   SOLE   312,868 0 0
ISHARES TR NATIONAL MUN ETF 464288414 BBG001SZV978 2,339,576 21,841 SH   SOLE   21,841 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 BBG001T5XQY3 30,124,236 89,052 SH   SOLE   89,052 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 BBG0025RWLM4 19,584,951 276,780 SH   SOLE   276,780 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 BBG001T66WN0 275,699 3,791 SH   SOLE   3,791 0 0
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 BBG001T66WQ7 238,718 3,558 SH   SOLE   3,558 0 0
SCHWAB STRATEGIC TR US REIT ETF 808524847 BBG001V039G2 5,932,464 334,233 SH   SOLE   334,233 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870 BBG001T9F777 10,206,128 202,141 SH   SOLE   202,141 0 0
SPDR INDEX SHS FDS S&P GBLINF ETF 78463X855 BBG001SRXRM7 6,921,291 140,505 SH   SOLE   140,505 0 0
SPDR SER TR BBG CONV SEC ETF 78464A359 BBG001T2PMD1 1,456,494 21,482 SH   SOLE   21,482 0 0
SPDR SER TR NUVEEN BLMBRG MU 78468R721 BBG001SRSPW6 751,618 17,199 SH   SOLE   17,199 0 0
SPDR SER TR NUVEEN BLMBRG SH 78468R739 BBG001T083N5 713,294 15,429 SH   SOLE   15,429 0 0
SPDR SER TR NUVEEN BLOOMBERG 78464A284 BBG001V11QG4 749,035 31,445 SH   SOLE   31,445 0 0
SPDR SER TR PORTFOLIO S&P400 78464A847 BBG001SPT9T9 2,063,356 47,119 SH   SOLE   47,119 0 0
SPDR SER TR PORTFOLIO S&P600 78468R853 BBG004T58LZ5 660,222 17,892 SH   SOLE   17,892 0 0
SPDR SER TR PRTFLO S&P500 GW 78464A409 BBG001SD7RB9 9,912,679 167,217 SH   SOLE   167,217 0 0
SPDR SER TR PRTFLO S&P500 VL 78464A508 BBG001SG4284 481,701 11,674 SH   SOLE   11,674 0 0
SPDR SER TR S&P KENSHO FUTRE 78468R671 BBG00JHP62Q5 233,643 4,989 SH   SOLE   4,989 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 BBG001TC6MC1 979,001 2,433 SH   SOLE   2,433 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 BBG001SHVR78 478,419 3,468 SH   SOLE   3,468 0 0
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 BBG003H12XS7 579,594 12,258 SH   SOLE   12,258 0 0
WISDOMTREE TR EM EX ST-OWNED 97717X578 BBG007PB9N20 1,588,060 59,544 SH   SOLE   59,544 0 0
WISDOMTREE TR FLOATNG RAT TREA 97717Y527 BBG005YHYNG8 4,973,352 99,834 SH   SOLE   99,834 0 0
WISDOMTREE TR ITL HDG QTLY DIV 97717X594 BBG006G0J5J6 8,974,850 231,668 SH   SOLE   231,668 0 0
WISDOMTREE TR US QTLY DIV GRT 97717X669 BBG004LMH3Z6 11,580,394 182,397 SH   SOLE   182,397 0 0