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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
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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
ISHARES TR JPMORGAN USD EMG 464288281   354,419 4,006 SH   SOLE   4,006 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   7,029,535 148,146 SH   SOLE   148,146 0 0
CALAMOS CONV OPPORTUNITIES & SH BEN INT 128117108   1,443,256 123,991 SH   SOLE   123,991 0 0
FIRST TR EXCHANGE TRADED FD DJ GLBL DIVID 33734X200   2,634,536 117,976 SH   SOLE   117,976 0 0
FIRST TR EXCHANGE-TRADED FD RBA INDL ETF 33738R704   543,338 7,954 SH   SOLE   7,954 0 0
ISHARES INC MSCI GBL MIN VOL 464286525   3,419,577 32,679 SH   SOLE   32,679 0 0
ISHARES INC MSCI MEXICO ETF 464286822   399,214 7,052 SH   SOLE   7,052 0 0
ISHARES TR MSCI USA MIN VOL 46429B697   1,451,467 17,288 SH   SOLE   17,288 0 0
ISHARES TR MSCI USA QLT FCT 46432F339   223,354 1,308 SH   SOLE   1,308 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   9,377,828 244,087 SH   SOLE   244,087 0 0
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888   777,864 21,862 SH   SOLE   21,862 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   4,449,467 69,252 SH   SOLE   69,252 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   2,885,239 37,071 SH   SOLE   37,071 0 0
SPDR GOLD TR GOLD SHS 78463V107   2,175,471 10,118 SH   SOLE   10,118 0 0
SELECT SECTOR SPDR TR RL EST SEL SEC 81369Y860   763,912 19,888 SH   SOLE   19,888 0 0
VANECK ETF TRUST MORNINGSTAR SMID 92189H730   1,497,805 46,865 SH   SOLE   46,865 0 0
VANECK ETF TRUST MRNGSTR WDE MOAT 92189F643   2,299,343 26,548 SH   SOLE   26,548 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   6,119,033 33,520 SH   SOLE   33,520 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611   5,181,164 28,387 SH   SOLE   28,387 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768   1,193,773 19,797 SH   SOLE   19,797 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769   2,603,817 9,734 SH   SOLE   9,734 0 0
CHEVRON CORP NEW COM 166764100   1,391,199 8,894 SH   SOLE   8,894 0 0
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   474,345 886 SH   SOLE   886 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   2,034,562 34,696 SH   SOLE   34,696 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   2,626,071 60,011 SH   SOLE   60,011 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   2,772,974 33,106 SH   SOLE   33,106 0 0
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   1,514,161 12,767 SH   SOLE   12,767 0 0
ISHARES INC MSCI CDA ETF 464286509   202,660 5,464 SH   SOLE   5,464 0 0
ISHARES TR US INFRASTRUC 46435U713   1,003,203 23,818 SH   SOLE   23,818 0 0
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   1,203,954 16,252 SH   SOLE   16,252 0 0
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886   803,294 11,789 SH   SOLE   11,789 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   5,388,462 109,034 SH   SOLE   109,034 0 0
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   1,216,994 25,005 SH   SOLE   25,005 0 0
ISHARES TR ISHARES BIOTECH 464287556   507,801 3,700 SH   SOLE   3,700 0 0
VANGUARD WHITEHALL FDS EM MK GOV BD ETF 921946885   742,843 11,808 SH   SOLE   11,808 0 0
ISHARES TR INTL SEL DIV ETF 464288448   670,360 24,227 SH   SOLE   24,227 0 0
ISHARES TR TIPS BD ETF 464287176   1,051,541 9,848 SH   SOLE   9,848 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   2,740,970 103,199 SH   SOLE   103,199 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   5,189,862 82,549 SH   SOLE   82,549 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   1,088,208 15,104 SH   SOLE   15,104 0 0
CATERPILLAR INC COM 149123101   922,663 2,770 SH   SOLE   2,770 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101   584,237 3,378 SH   SOLE   3,378 0 0
PEPSICO INC COM 713448108   587,830 3,564 SH   SOLE   3,564 0 0
VANGUARD WORLD FD INF TECH ETF 92204A702   349,736 607 SH   SOLE   607 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   828,001 10,715 SH   SOLE   10,715 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751   5,889,329 27,010 SH   SOLE   27,010 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629   6,329,144 26,143 SH   SOLE   26,143 0 0
ISHARES TR GLOBAL 100 ETF 464287572   2,022,482 20,941 SH   SOLE   20,941 0 0
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   1,578,548 14,015 SH   SOLE   14,015 0 0
KRANESHARES TRUST GLOBAL CARB STRA 500767678   350,361 10,767 SH   SOLE   10,767 0 0
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   424,296 8,741 SH   SOLE   8,741 0 0
ISHARES TR EAFE SML CP ETF 464288273   2,591,098 42,036 SH   SOLE   42,036 0 0
VANGUARD WORLD FD HEALTH CAR ETF 92204A504   537,731 2,022 SH   SOLE   2,022 0 0
DOUBLELINE YIELD OPPORTUNITI COM 25862D105   1,776,765 112,596 SH   SOLE   112,596 0 0
FS KKR CAP CORP COM 302635206   206,021 10,442 SH   SOLE   10,442 0 0
ISHARES INC GLB ENR PROD ETF 464286343   649,483 25,000 SH   SOLE   25,000 0 0
ISHARES TR MSCI UK ETF NEW 46435G334   832,341 23,863 SH   SOLE   23,863 0 0
EXCHANGE TRADED CONCEPTS TRU ROBO GLB ETF 301505707   409,838 7,438 SH   SOLE   7,438 0 0
SELECT SECTOR SPDR TR ENERGY 81369Y506   478,173 5,246 SH   SOLE   5,246 0 0
NVIDIA CORPORATION COM 67066G104   1,982,439 16,047 SH   SOLE   16,047 0 0
VANGUARD INDEX FDS SML CP GRW ETF 922908595   1,941,615 7,762 SH   SOLE   7,762 0 0
ABRDN ASIA PACIFIC INCOME FU COM 003009107   154,022 57,471 SH   SOLE   57,471 0 0
INVESCO MUNI INCOME OPP TRST COM 46132X101   94,564 14,892 SH   SOLE   14,892 0 0
VANECK ETF TRUST MRNGSTR INT MOAT 92189F593   375,165 11,967 SH   SOLE   11,967 0 0
AMPLIFY ETF TR AMPLIFY ETHO CLI 032108557   455,787 8,067 SH   SOLE   8,067 0 0
VANGUARD ADMIRAL FDS INC 500 VAL IDX FD 921932703   648,485 3,689 SH   SOLE   3,689 0 0
ISHARES TR MRGSTR SM CP GR 464288604   1,019,144 22,409 SH   SOLE   22,409 0 0
ISHARES TR MSCI KLD400 SOC 464288570   2,788,425 26,851 SH   SOLE   26,851 0 0
ALPHABET INC CAP STK CL A 02079K305   994,825 5,462 SH   SOLE   5,462 0 0
ALPHABET INC CAP STK CL C 02079K107   532,055 2,901 SH   SOLE   2,901 0 0
SCHWAB STRATEGIC TR FUNDAMENTAL EMER 808524730   611,400 20,676 SH   SOLE   20,676 0 0
SPDR SER TR RUSSELL YIELD 78468R770   592,048 5,707 SH   SOLE   5,707 0 0
STARBUCKS CORP COM 855244109   357,459 4,592 SH   SOLE   4,592 0 0
PROSHARES TR RUSS 2000 DIVD 74347B698   300,777 4,841 SH   SOLE   4,841 0 0
INVESCO QQQ TR UNIT SER 1 46090E103   540,136 1,127 SH   SOLE   1,127 0 0
VANGUARD WORLD FD FINANCIALS ETF 92204A405   313,421 3,138 SH   SOLE   3,138 0 0
VANGUARD INDEX FDS VALUE ETF 922908744   893,833 5,572 SH   SOLE   5,572 0 0
ISHARES TR MSCI EAFE MIN VL 46429B689   420,573 6,064 SH   SOLE   6,064 0 0
MICROSOFT CORP COM 594918104   2,878,852 6,441 SH   SOLE   6,441 0 0
NEXTERA ENERGY INC COM 65339F101   488,872 6,904 SH   SOLE   6,904 0 0
PROCTER AND GAMBLE CO COM 742718109   637,416 3,865 SH   SOLE   3,865 0 0
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354   444,388 6,842 SH   SOLE   6,842 0 0
SPDR INDEX SHS FDS EURO STOXX 50 78463X202   476,632 9,527 SH   SOLE   9,527 0 0
VANGUARD WORLD FD MEGA CAP VAL ETF 921910840   1,012,464 8,544 SH   SOLE   8,544 0 0
ENPHASE ENERGY INC COM 29355A107   361,648 3,627 SH   SOLE   3,627 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   1,851,851 11,273 SH   SOLE   11,273 0 0
ISHARES TR U.S. REAL ES ETF 464287739   708,081 8,070 SH   SOLE   8,070 0 0
WISDOMTREE TR ENHNCD CMMDTY ST 97717Y683   289,423 15,313 SH   SOLE   15,313 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   516,364 949 SH   SOLE   949 0 0
TARGET CORP COM 87612E106   342,552 2,314 SH   SOLE   2,314 0 0
WELLS FARGO CO NEW COM 949746101   566,402 9,537 SH   SOLE   9,537 0 0
APPLE INC COM 037833100   8,229,665 39,074 SH   SOLE   39,074 0 0
JPMORGAN CHASE & CO. COM 46625H100   664,626 3,286 SH   SOLE   3,286 0 0
LINDE PLC SHS G54950103   369,039 841 SH   SOLE   841 0 0
ISHARES TR MSCI EAFE ETF 464287465   471,016 6,013 SH   SOLE   6,013 0 0
AMAZON COM INC COM 023135106   1,852,301 9,585 SH   SOLE   9,585 0 0
ORACLE CORP COM 68389X105   424,871 3,009 SH   SOLE   3,009 0 0
VANECK ETF TRUST FALLEN ANGEL HG 92189F437   654,955 23,143 SH   SOLE   23,143 0 0
ABBOTT LABS COM 002824100   238,370 2,294 SH   SOLE   2,294 0 0
SCHWAB STRATEGIC TR FUNDAMENTAL US S 808524763   413,887 7,536 SH   SOLE   7,536 0 0
CISCO SYS INC COM 17275R102   616,954 12,986 SH   SOLE   12,986 0 0
DEERE & CO COM 244199105   422,202 1,130 SH   SOLE   1,130 0 0
MERCK & CO INC COM 58933Y105   254,362 2,055 SH   SOLE   2,055 0 0
PUBLIC STORAGE OPER CO COM 74460D109   320,442 1,114 SH   SOLE   1,114 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736   365,251 977 SH   SOLE   977 0 0
ISHARES TR CORE S&P MCP ETF 464287507   1,209,069 20,661 SH   SOLE   20,661 0 0
HOME DEPOT INC COM 437076102   490,578 1,425 SH   SOLE   1,425 0 0
SCHWAB STRATEGIC TR FUNDAMENTAL INTL 808524755   1,222,812 34,908 SH   SOLE   34,908 0 0
SCHWAB STRATEGIC TR FUNDAMENTAL INTL 808524748   413,113 11,885 SH   SOLE   11,885 0 0
SCHWAB STRATEGIC TR FUNDAMENTAL US L 808524771   250,103 3,734 SH   SOLE   3,734 0 0
VANECK ETF TRUST PREFERRED SECURT 92189F429   232,326 13,429 SH   SOLE   13,429 0 0
JOHNSON & JOHNSON COM 478160104   1,186,856 8,120 SH   SOLE   8,120 0 0
META PLATFORMS INC CL A 30303M102   326,735 648 SH   SOLE   648 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   827,685 1,655 SH   SOLE   1,655 0 0
ISHARES TR MSCI USA ESG SLC 464288802   279,637 2,489 SH   SOLE   2,489 0 0
SPDR SER TR S&P 400 MDCP GRW 78464A821   404,651 4,814 SH   SOLE   4,814 0 0
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   600,950 3,995 SH   SOLE   3,995 0 0
QUALCOMM INC COM 747525103   320,087 1,607 SH   SOLE   1,607 0 0
BLACKROCK CORPOR HI YLD FD I COM 09255P107   587,093 60,588 SH   SOLE   60,588 0 0
ABBVIE INC COM 00287Y109   335,665 1,957 SH   SOLE   1,957 0 0
ISHARES TR CORE S&P SCP ETF 464287804   647,886 6,074 SH   SOLE   6,074 0 0
MCDONALDS CORP COM 580135101   658,073 2,582 SH   SOLE   2,582 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   225,383 2,820 SH   SOLE   2,820 0 0
BLACKROCK CR ALLOCATION INCO COM 092508100   155,725 14,540 SH   SOLE   14,540 0 0
FIRST TR EXCH TRADED FD III PFD SECS INC ETF 33739E108   353,597 20,368 SH   SOLE   20,368 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   250,669 3,224 SH   SOLE   3,224 0 0
SPDR INDEX SHS FDS S&P INTL ETF 78463X772   204,212 5,931 SH   SOLE   5,931 0 0
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794   580,814 8,475 SH   SOLE   8,475 0 0
NOVO-NORDISK A S ADR 670100205   214,824 1,505 SH   SOLE   1,505 0 0
TESLA INC COM 88160R101   476,099 2,406 SH   SOLE   2,406 0 0
US BANCORP DEL COM NEW 902973304   305,769 7,702 SH   SOLE   7,702 0 0
AON PLC SHS CL A G0403H108   288,296 982 SH   SOLE   982 0 0
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538   343,147 1,495 SH   SOLE   1,495 0 0
OSISKO GOLD ROYALTIES LTD COM 68827L101   229,026 14,700 SH   SOLE   14,700 0 0
ISHARES TR RUS 2000 VAL ETF 464287630   412,875 2,711 SH   SOLE   2,711 0 0
VANGUARD INDEX FDS EXTEND MKT ETF 922908652   563,030 3,336 SH   SOLE   3,336 0 0
ENTERPRISE PRODS PARTNERS L COM 293792107   463,100 15,980 SH   SOLE   15,980 0 0
INVESCO EXCH TRADED FD TR II PFD ETF 46138E511   403,386 34,925 SH   SOLE   34,925 0 0
WILLIAMS SONOMA INC COM 969904101   403,789 1,430 SH   SOLE   1,430 0 0
VANGUARD WORLD FD UTILITIES ETF 92204A876   555,972 3,759 SH   SOLE   3,759 0 0
SPDR SER TR GLB DOW ETF 78464A706   225,747 1,762 SH   SOLE   1,762 0 0
PARK NATL CORP COM 700658107   579,466 4,071 SH   SOLE   4,071 0 0
SPDR SER TR S&P 600 SMCP VAL 78464A300   377,902 4,826 SH   SOLE   4,826 0 0
BROADCOM INC COM 11135F101   414,005 258 SH   SOLE   258 0 0
BLACKROCK RES & COMMODITIES SHS 09257A108   119,098 12,959 SH   SOLE   12,959 0 0
ISHARES TR U.S. MED DVC ETF 464288810   356,414 6,360 SH   SOLE   6,360 0 0
PLAINS ALL AMERN PIPELINE L UNIT LTD PARTN 726503105   312,550 17,500 SH   SOLE   17,500 0 0
BECTON DICKINSON & CO COM 075887109   233,710 1,000 SH   SOLE   1,000 0 0
TEXAS INSTRS INC COM 882508104   391,783 2,014 SH   SOLE   2,014 0 0
NUVEEN AMT-FREE MUN VALUE FD COM 670695105   277,600 20,000 SH   SOLE   20,000 0 0
ISHARES TR S&P MC 400GR ETF 464287606   254,830 2,892 SH   SOLE   2,892 0 0
OKTA INC CL A 679295105   249,564 2,666 SH   SOLE   2,666 0 0
DOUBLELINE INCOME SOLUTIONS COM 258622109   254,194 20,303 SH   SOLE   20,303 0 0
PIMCO HIGH INCOME FD COM SHS 722014107   241,135 50,028 SH   SOLE   50,028 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   497,110 1,222 SH   SOLE   1,222 0 0
THREDUP INC CL A 88556E102   51,009 30,005 SH   SOLE   30,005 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   419,534 1,854 SH   SOLE   1,854 0 0
VANGUARD INDEX FDS LARGE CAP ETF 922908637   296,542 1,188 SH   SOLE   1,188 0 0
LEGG MASON ETF INVT FRANKLIN INTL LW 52468L505   270,999 9,143 SH   SOLE   9,143 0 0
NORFOLK SOUTHN CORP COM 655844108   211,040 983 SH   SOLE   983 0 0
INVESCO EXCHANGE TRADED FD T S&P500 QUALITY 46137V241   232,368 3,657 SH   SOLE   3,657 0 0
PARKER-HANNIFIN CORP COM 701094104   207,382 410 SH   SOLE   410 0 0