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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
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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
ABBVIE INC COM 00287Y109   248,576 1,186 SH   SOLE   325 0 861
ALPHABET INC CAP STK CL C 02079K107   213,572 1,367 SH   SOLE   0 0 1,367
ALPHABET INC CAP STK CL A 02079K305   290,453 1,878 SH   SOLE   0 0 1,878
AMAZON COM INC COM 023135106   353,675 1,859 SH   SOLE   62 0 1,797
AMERICAN CENTY ETF TR AVANTIS EMGMKT 025072604   2,149,088 35,717 SH   SOLE   0 0 35,717
AMERICAN CENTY ETF TR US SML CP VALU 025072877   2,152,990 24,699 SH   SOLE   0 0 24,699
ANGEL OAK FUNDS TRUST OAK ULTRASHORT 03463K752   521,106 10,200 SH   SOLE   0 0 10,200
APPLE INC COM 037833100   6,202,511 27,923 SH   SOLE   2,753 0 25,170
BIOLIFE SOLUTIONS INC COM NEW 09062W204   229,611 10,053 SH   SOLE   0 0 10,053
BNY MELLON ETF TRUST US LRG CP CORE 09661T107   88,874,492 835,915 SH   SOLE   1,893 0 834,022
BNY MELLON ETF TRUST US MDCP CORE EQT 09661T206   539,002 5,637 SH   SOLE   0 0 5,637
BNY MELLON ETF TRUST US SMLCP CORE 09661T305   375,246 4,022 SH   SOLE   0 0 4,022
BNY MELLON ETF TRUST INTERNATIONL EQT 09661T404   45,268,518 585,167 SH   SOLE   524 0 584,643
BNY MELLON ETF TRUST CORE BOND ETF 09661T602   12,233,087 290,365 SH   SOLE   0 0 290,365
CAMBRIA ETF TR SHSHLD YIELD ETF 132061201   518,120 8,121 SH   SOLE   0 0 8,121
DELL TECHNOLOGIES INC CL C 24703L202   373,952 4,103 SH   SOLE   0 0 4,103
EASTERN BANKSHARES INC COM 27627N105   1,714,967 104,571 SH   SOLE   0 0 104,571
META PLATFORMS INC CL A 30303M102   492,217 854 SH   SOLE   0 0 854
FIDELITY COVINGTON TRUST BLUE CHIP GRWTH 316092352   642,199 16,067 SH   SOLE   4,973 0 11,094
FIDELITY COVINGTON TRUST ENHANCED LARGE 31609A305   8,581,005 272,413 SH   SOLE   0 0 272,413
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309   13,288,691 291,099 SH   SOLE   3,253 0 287,846
FIRST MERCHANTS CORP COM 320817109   615,820 15,228 SH   SOLE   0 0 15,228
FIRST TR EXCH TRADED FD III MANAGD MUN ETF 33739N108   2,807,433 55,679 SH   SOLE   0 0 55,679
FORD MTR CO COM 345370860   500,727 49,923 SH   SOLE   0 0 49,923
INVESCO QQQ TR UNIT SER 1 46090E103   1,485,239 3,167 SH   SOLE   0 0 3,167
INVESCO EXCH TRD SLF IDX FD BULSHS 2029 MUNI 46138J478   671,027 29,509 SH   SOLE   0 0 29,509
INVESCO EXCH TRD SLF IDX FD BULSHS 2028 MUNI 46138J486   647,570 27,943 SH   SOLE   0 0 27,943
INVESCO EXCH TRD SLF IDX FD BULSHS 2027 MUNI 46138J494   682,268 28,971 SH   SOLE   0 0 28,971
INVESCO EXCH TRD SLF IDX FD BULSHS 2026 MUNI 46138J510   914,795 38,746 SH   SOLE   0 0 38,746
INVESCO EXCH TRD SLF IDX FD BULSHS 2025 MUNI 46138J528   905,021 36,970 SH   SOLE   0 0 36,970
INVESCO EXCH TRD SLF IDX FD BULSHS 2027 CB 46138J783   7,473,589 381,500 SH   SOLE   0 0 381,500
INVESCO EXCH TRD SLF IDX FD BULSHS 2026 CB 46138J791   8,058,622 413,687 SH   SOLE   0 0 413,687
INVESCO EXCH TRD SLF IDX FD BULSHS 2025 CB 46138J825   8,230,155 397,977 SH   SOLE   0 0 397,977
ISHARES GOLD TR ISHARES NEW 464285204   620,318 10,521 SH   SOLE   0 0 10,521
ISHARES INC MSCI AUST ETF 464286103   3,480,840 148,500 SH   SOLE   0 0 148,500
ISHARES INC MSCI CDA ETF 464286509   5,116,163 125,550 SH   SOLE   0 0 125,550
ISHARES TR CORE S&P TTL STK 464287150   3,452,256 28,295 SH   SOLE   6,353 0 21,941
ISHARES TR CORE S&P500 ETF 464287200   1,948,621 3,468 SH   SOLE   425 0 3,043
ISHARES TR CORE US AGGBD ET 464287226   411,351 4,158 SH   SOLE   601 0 3,558
ISHARES TR RUS 1000 ETF 464287622   5,025,511 16,384 SH   SOLE   54 0 16,330
ISHARES TR CORE MSCI EAFE 46432F842   345,364 4,565 SH   SOLE   3,845 0 720
ISHARES TR INTERNATIONAL SL 46434V266   268,226 7,964 SH   SOLE   0 0 7,964
ISHARES TR MSCI INTL QUALTY 46434V456   460,924 11,613 SH   SOLE   0 0 11,613
ISHARES TR IBONDS DEC 26 46435U259   1,757,289 68,752 SH   SOLE   0 0 68,752
ISHARES TR IBONDS DEC 27 46435U283   1,458,021 57,675 SH   SOLE   0 0 57,675
ISHARES TR IBONDS DEC 28 46435U325   1,287,520 50,910 SH   SOLE   0 0 50,910
ISHARES TR IBONDS DEC 25 46435U432   2,235,271 83,562 SH   SOLE   3,548 0 80,013
ISHARES TR ESG AWR US AGRGT 46435U549   2,752,136 57,964 SH   SOLE   0 0 57,964
ISHARES TR IBONDS DEC 2029 46436E163   1,246,209 49,769 SH   SOLE   0 0 49,769
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332   236,615 4,141 SH   SOLE   0 0 4,141
J P MORGAN EXCHANGE TRADED F CORE PLUS BD ETF 46641Q670   52,635,027 1,118,942 SH   SOLE   6,079 0 1,112,863
ELI LILLY & CO COM 532457108   507,109 614 SH   SOLE   415 0 199
MATTHEWS ASIA FDS ASIA INNOV ACTIV 577125826   438,283 15,664 SH   SOLE   0 0 15,664
MCDONALDS CORP COM 580135101   580,071 1,857 SH   SOLE   162 0 1,695
MICROSOFT CORP COM 594918104   4,064,911 10,829 SH   SOLE   998 0 9,830
NEXTERA ENERGY INC COM 65339F101   494,032 6,969 SH   SOLE   6,807 0 162
NVIDIA CORPORATION COM 67066G104   285,649 2,636 SH   SOLE   0 0 2,636
PACER FDS TR US CASH COWS 100 69374H881   2,061,643 37,649 SH   SOLE   0 0 37,649
PIMCO ETF TR MULTISECTOR BD 72201R585   6,159,123 233,743 SH   SOLE   0 0 233,743
PROCTER AND GAMBLE CO COM 742718109   231,019 1,356 SH   SOLE   160 0 1,196
PUTNAM ETF TRUST SUSTAINABLE FUTU 746729201   225,383 10,196 SH   SOLE   0 0 10,196
PUTNAM ETF TRUST FOCUSED LAR CAP 746729300   1,164,715 30,586 SH   SOLE   0 0 30,586
SPDR S&P 500 ETF TR TR UNIT 78462F103   80,179,171 143,333 SH   SOLE   1,035 0 142,299
SPDR GOLD TR GOLD SHS 78463V107   999,270 3,468 SH   SOLE   390 0 3,078
SPDR INDEX SHS FDS MSCI EMRG MKTS 78463X426   204,885 3,553 SH   SOLE   0 0 3,553
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   5,970,586 163,982 SH   SOLE   6,700 0 157,282
SPDR SER TR PORTFOLIO AGRGTE 78464A649   3,843,999 150,509 SH   SOLE   1,806 0 148,703
SPDR SER TR PORTFLI INTRMDIT 78464A672   31,874,796 1,115,283 SH   SOLE   1,098 0 1,114,185
SPDR SER TR S&P DIVID ETF 78464A763   598,189 4,409 SH   SOLE   0 0 4,409
SPDR SER TR PORTFOLI S&P1500 78464A805   11,699,807 172,031 SH   SOLE   0 0 172,031
SPDR SER TR PORTFOLIO S&P400 78464A847   344,906 6,739 SH   SOLE   0 0 6,739
SPDR SER TR PORTFOLIO S&P500 78464A854   1,607,367 24,443 SH   SOLE   0 0 24,443
SPDR SER TR PORTFOLIO SH TSR 78468R101   2,241,667 76,664 SH   SOLE   0 0 76,664
SPDR SER TR BLOOMBERG 1-3 MO 78468R663   2,556,319 27,868 SH   SOLE   605 0 27,263
SPDR SER TR SPDR MSCI USA GE 78468R747   275,863 2,417 SH   SOLE   0 0 2,417
SPDR SER TR MSCI USA STRTGIC 78468R812   1,409,238 8,994 SH   SOLE   0 0 8,994
SPDR SER TR PORTFOLIO S&P600 78468R853   240,453 5,899 SH   SOLE   0 0 5,899
SSGA ACTIVE TR SPDR DBLELN EMRG 78470P309   636,275 14,763 SH   SOLE   0 0 14,763
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   217,539 10,104 SH   SOLE   0 0 10,104
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   5,182,172 234,700 SH   SOLE   0 0 234,700
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   1,531,185 61,150 SH   SOLE   0 0 61,150
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   265,243 9,979 SH   SOLE   0 0 9,979
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   2,441,848 93,200 SH   SOLE   2,232 0 90,968
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   340,252 14,522 SH   SOLE   0 0 14,522
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   684,347 24,476 SH   SOLE   0 0 24,476
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   442,471 22,370 SH   SOLE   0 0 22,370
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854   10,215,625 410,926 SH   SOLE   0 0 410,926
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   210,893 8,664 SH   SOLE   0 0 8,664
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   1,394,135 6,752 SH   SOLE   920 0 5,832
SPROTT PHYSICAL GOLD TR UNIT 85207H104   2,044,523 84,976 SH   SOLE   0 0 84,976
VANECK ETF TRUST REAL ASSETS ETF 92189F130   522,892 17,186 SH   SOLE   0 0 17,186
VANECK ETF TRUST MRNGSTR WDE MOAT 92189F643   5,318,998 60,443 SH   SOLE   0 0 60,443
VANECK ETF TRUST CLO ETF 92189H748   876,927 16,596 SH   SOLE   0 0 16,596
VANGUARD WORLD FD ESG US STK ETF 921910733   400,438 4,088 SH   SOLE   0 0 4,088
VANGUARD WORLD FD MEGA CAP VAL ETF 921910840   415,509 3,225 SH   SOLE   0 0 3,225
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   206,741 2,815 SH   SOLE   0 0 2,815
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   249,561 1,935 SH   SOLE   0 0 1,935
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676   409,900 10,131 SH   SOLE   0 0 10,131
VANGUARD WORLD FD MATERIALS ETF 92204A801   1,191,958 6,313 SH   SOLE   0 0 6,313
VANGUARD SCOTTSDALE FDS VNG RUS2000IDX 92206C664   283,329 3,513 SH   SOLE   0 0 3,513
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   1,181,516 13,050 SH   SOLE   0 0 13,050
VANGUARD INDEX FDS SML CP GRW ETF 922908595   1,393,547 5,535 SH   SOLE   0 0 5,535
VANGUARD INDEX FDS MID CAP ETF 922908629   1,891,256 7,313 SH   SOLE   0 0 7,313
VANGUARD INDEX FDS EXTEND MKT ETF 922908652   206,421 1,198 SH   SOLE   0 0 1,198
VANGUARD INDEX FDS GROWTH ETF 922908736   4,622,297 12,465 SH   SOLE   0 0 12,465
VANGUARD INDEX FDS VALUE ETF 922908744   581,486 3,366 SH   SOLE   1,394 0 1,973
VANGUARD INDEX FDS SMALL CP ETF 922908751   246,586 1,112 SH   SOLE   0 0 1,112
VANGUARD INDEX FDS TOTAL STK MKT 922908769   439,357 1,599 SH   SOLE   0 0 1,599
WISDOMTREE TR GLB US QTLY DIV 97717W844   4,626,074 129,691 SH   SOLE   0 0 129,691
WISDOMTREE TR US QTLY DIV GRT 97717X669   2,238,912 28,035 SH   SOLE   0 0 28,035
WORLD GOLD TR SPDR GLD MINIS 98149E303   27,254,739 440,374 SH   SOLE   841 0 439,533