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
Estimated average burden
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   911,803 31,748 SH   SOLE   0 0 31,748
ALLIANCEBERNSTEIN NATL MUN I COM 01864U106   241,199 19,158 SH   SOLE   0 0 19,158
BNY MELLON STRATEGIC MUNS IN COM 05588W108   232,654 32,358 SH   SOLE   0 0 32,358
BNY MELLON MUN INCOME INC COM 05589T104   234,303 30,870 SH   SOLE   0 0 30,870
BLACKROCK INCOME TR INC COM 09247F100   590,044 115,018 SH   SOLE   0 0 115,018
BLACKROCK CORE BD TR SHS BEN INT 09249E101   257,771 19,829 SH   SOLE   0 0 19,829
BLACKROCK CORPOR HI YLD FD I COM 09255P107   491,696 45,654 SH   SOLE   0 0 45,654
BLACKROCK MULTI SECTOR INC T COM 09258A107   621,173 37,693 SH   SOLE   0 0 37,693
BNY MELLON STRATEGIC MUN BD COM 09662E109   244,693 34,610 SH   SOLE   0 0 34,610
CERNER CORP COM 156782104   1,005,583 10,748 SH   SOLE   0 0 10,748
CITIZENS FINL GROUP INC COM 174610105   857,825 18,924 SH   SOLE   0 0 18,924
DWS MUN INCOME TR COM 233368109   237,587 22,823 SH   SOLE   0 0 22,823
DWS STRATEGIC MUN INCOME TR COM 23342Q101   231,854 22,423 SH   SOLE   0 0 22,423
DOUBLELINE INCOME SOLUTIONS COM 258622109   595,865 41,038 SH   SOLE   0 0 41,038
EATON VANCE MUNI INCOME TRUS SH BEN INT 27826U108   235,367 19,879 SH   SOLE   0 0 19,879
EATON VANCE MUN BD FD COM 27827X101   238,855 20,770 SH   SOLE   0 0 20,770
EBAY INC. COM 278642103   907,056 15,841 SH   SOLE   0 0 15,841
FEDERATED HERMES PREM MUNI I COM 31423P108   232,860 18,321 SH   SOLE   0 0 18,321
FIFTH THIRD BANCORP COM 316773100   906,422 21,060 SH   SOLE   0 0 21,060
FIRST TR EXCHANGE-TRADED FD FIRST TR TA HIYL 33738D408   766,153 16,743 SH   SOLE   0 0 16,743
INVESCO EXCH TRD SLF IDX FD BULSHS 2027 CB 46138J783   252,221 12,480 SH   SOLE   0 0 12,480
INVESCO EXCH TRD SLF IDX FD BULSHS 2025 CB 46138J825   252,614 12,081 SH   SOLE   0 0 12,081
ISHARES TR CORE US AGGBD ET 464287226   2,637,873 24,630 SH   SOLE   0 0 24,630
ISHARES TR IBOXX HI YD ETF 464288513   1,759,385 21,380 SH   SOLE   0 0 21,380
ISHARES TR FLTG RATE NT ETF 46429B655   58,828,570 1,164,461 SH   SOLE   0 0 1,164,461
MAINSTAY MACKAY DEFINEDTERM COM 56064K100   239,625 12,780 SH   SOLE   0 0 12,780
PIMCO ETF TR ACTIVE BD ETF 72201R775   1,313,091 12,901 SH   SOLE   0 0 12,901
PIMCO DYNAMIC INCOME FD SHS 72201Y101   495,052 20,314 SH   SOLE   0 0 20,314
PIONEER MUNICIPAL HIGH INCOM COM 723762100   229,943 23,392 SH   SOLE   0 0 23,392
PIONEER MUNICIPAL HIGH INCOM COM SHS 723763108   233,793 22,266 SH   SOLE   0 0 22,266
REGIONS FINANCIAL CORP NEW COM 7591EP100   972,606 43,693 SH   SOLE   0 0 43,693
SPDR S&P 500 ETF TR TR UNIT 78462F103   6,455,291 14,293 SH   SOLE   0 0 14,293
SCHWAB STRATEGIC TR US REIT ETF 808524847   880,758 35,386 SH   SOLE   0 0 35,386
STATE STR CORP COM 857477103   1,007,020 11,559 SH   SOLE   0 0 11,559
TRUIST FINL CORP COM 89832Q109   889,510 15,688 SH   SOLE   0 0 15,688
US BANCORP DEL COM NEW 902973304   983,700 18,508 SH   SOLE   0 0 18,508
VANECK ETF TRUST INVESTMENT GRD 92189F486   19,697,049 784,743 SH   SOLE   0 0 784,743
VANGUARD ADMIRAL FDS INC 500 VAL IDX FD 921932703   1,614,901 10,716 SH   SOLE   0 0 10,716
VANGUARD BD INDEX FDS INTERMED TERM 921937819   838,513 10,238 SH   SOLE   0 0 10,238
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   2,943,717 37,009 SH   SOLE   0 0 37,009
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   793,889 15,139 SH   SOLE   0 0 15,139
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   1,455,530 25,274 SH   SOLE   0 0 25,274
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   1,086,154 13,909 SH   SOLE   0 0 13,909
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706   703,227 11,178 SH   SOLE   0 0 11,178
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   1,634,099 18,992 SH   SOLE   0 0 18,992
VANGUARD INDEX FDS SMALL CP ETF 922908751   3,604,552 16,961 SH   SOLE   0 0 16,961
VANGUARD INDEX FDS TOTAL STK MKT 922908769   4,901,052 21,527 SH   SOLE   0 0 21,527