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
ALPHABET INC CAP STK CL C 02079K107   77,000 869 SH   SOLE   0 0 869
ALPHABET INC CAP STK CL A 02079K305   225,000 2,548 SH   SOLE   0 0 2,548
APPLE INC COM 037833100   903,000 6,947 SH   SOLE   0 0 6,947
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   439,000 1,421 SH   SOLE   0 0 1,421
CAPITAL GROUP INTL FOCUS EQT SHS CREATION UNI 14019W109   303,000 14,544 SH   SOLE   0 0 14,544
CARRIER GLOBAL CORPORATION COM 14448C104   228,000 5,531 SH   SOLE   0 0 5,531
CHEVRON CORP NEW COM 166764100   408,000 2,275 SH   SOLE   0 0 2,275
CLEVELAND-CLIFFS INC NEW COM 185899101   713,000 44,231 SH   SOLE   0 0 44,231
COCA COLA CO COM 191216100   343,000 5,394 SH   SOLE   0 0 5,394
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   1,039,000 42,810 SH   SOLE   0 0 42,810
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880   513,000 23,757 SH   SOLE   0 0 23,757
EXXON MOBIL CORP COM 30231G102   1,070,000 9,700 SH   SOLE   0 0 9,700
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309   554,000 12,310 SH   SOLE   0 0 12,310
FIDELITY NATL INFORMATION SV COM 31620M106   233,000 3,430 SH   SOLE   0 0 3,430
GENERAL DYNAMICS CORP COM 369550108   201,000 811 SH   SOLE   0 0 811
ILLINOIS TOOL WKS INC COM 452308109   219,000 996 SH   SOLE   0 0 996
INVESCO EXCH TRADED FD TR II S&P500 HDL VOL 46138E362   380,000 8,671 SH   SOLE   0 0 8,671
INVESCO EXCH TRADED FD TR II MSCI GBL TIMBR 46138E545   3,000 102 SH   SOLE   0 0 102
ISHARES TR CORE S&P TTL STK 464287150   3,398,000 40,074 SH   SOLE   0 0 40,074
ISHARES TR SELECT DIVID ETF 464287168   188,000 1,557 SH   SOLE   0 0 1,557
ISHARES TR TIPS BD ETF 464287176   2,000 20 SH   SOLE   0 0 20
ISHARES TR CORE S&P500 ETF 464287200   492,000 1,281 SH   SOLE   0 0 1,281
ISHARES TR CORE US AGGBD ET 464287226   89,000 920 SH   SOLE   0 0 920
ISHARES TR MSCI EMG MKT ETF 464287234   83,000 2,200 SH   SOLE   0 0 2,200
ISHARES TR S&P 500 GRWT ETF 464287309   163,000 2,793 SH   SOLE   0 0 2,793
ISHARES TR S&P 500 VAL ETF 464287408   210,000 1,450 SH   SOLE   0 0 1,450
ISHARES TR MSCI EAFE ETF 464287465   38,000 585 SH   SOLE   0 0 585
ISHARES TR RUS MID CAP ETF 464287499   7,000 100 SH   SOLE   0 0 100
ISHARES TR CORE S&P MCP ETF 464287507   7,125,000 29,457 SH   SOLE   0 0 29,457
ISHARES TR COHEN STEER REIT 464287564   1,000 10 SH   SOLE   0 0 10
ISHARES TR RUS 2000 VAL ETF 464287630   10,000 71 SH   SOLE   0 0 71
ISHARES TR RUSSELL 2000 ETF 464287655   2,000 10 SH   SOLE   0 0 10
ISHARES TR CORE S&P US VLU 464287663   3,000 38 SH   SOLE   0 0 38
ISHARES TR CORE S&P US GWT 464287671   6,000 76 SH   SOLE   0 0 76
ISHARES TR U.S. TECH ETF 464287721   1,000 16 SH   SOLE   0 0 16
ISHARES TR U.S. REAL ES ETF 464287739   1,830,000 21,739 SH   SOLE   0 0 21,739
ISHARES TR U.S. ENERGY ETF 464287796   203,000 4,365 SH   SOLE   0 0 4,365
ISHARES TR CORE S&P SCP ETF 464287804   5,787,000 61,146 SH   SOLE   0 0 61,146
ISHARES TR MSCI ACWI ETF 464288257   37,000 436 SH   SOLE   0 0 436
ISHARES TR EAFE SML CP ETF 464288273   10,000 184 SH   SOLE   0 0 184
ISHARES TR INTL SEL DIV ETF 464288448   2,331,000 85,819 SH   SOLE   0 0 85,819
ISHARES TR IBOXX HI YD ETF 464288513   11,000 150 SH   SOLE   0 0 150
ISHARES TR MBS ETF 464288588   70,000 756 SH   SOLE   0 0 756
ISHARES TR ISHS 5-10YR INVT 464288638   20,000 395 SH   SOLE   0 0 395
ISHARES TR ISHS 1-5YR INVS 464288646   69,000 1,375 SH   SOLE   0 0 1,375
ISHARES TR 10-20 YR TRS ETF 464288653   0 2 SH   SOLE   0 0 2
ISHARES TR PFD AND INCM SEC 464288687   2,434,000 79,736 SH   SOLE   0 0 79,736
ISHARES TR US AER DEF ETF 464288760   5,000 41 SH   SOLE   0 0 41
ISHARES TR MICRO-CAP ETF 464288869   36,000 330 SH   SOLE   0 0 330
ISHARES TR EAFE VALUE ETF 464288877   3,000 61 SH   SOLE   0 0 61
ISHARES TR EAFE GRWTH ETF 464288885   2,000 27 SH   SOLE   0 0 27
ISHARES TR GNMA BOND ETF 46429B333   0 3 SH   SOLE   0 0 3
ISHARES TR CMBS ETF 46429B366   0 3 SH   SOLE   0 0 3
ISHARES TR MSCI INDIA ETF 46429B598   8,000 186 SH   SOLE   0 0 186
ISHARES TR FLTG RATE NT ETF 46429B655   141,000 2,808 SH   SOLE   0 0 2,808
ISHARES TR CORE HIGH DV ETF 46429B663   6,885,000 66,051 SH   SOLE   0 0 66,051
ISHARES TR MSCI EAFE MIN VL 46429B689   23,000 369 SH   SOLE   0 0 369
ISHARES TR MSCI USA MIN VOL 46429B697   853,000 11,828 SH   SOLE   0 0 11,828
ISHARES TR 0-5 YR TIPS ETF 46429B747   136,000 1,400 SH   SOLE   0 0 1,400
ISHARES TR MSCI USA QLT FCT 46432F339   29,000 256 SH   SOLE   0 0 256
ISHARES TR MSCI USA MMENTM 46432F396   1,000 4 SH   SOLE   0 0 4
ISHARES TR CORE MSCI TOTAL 46432F834   2,217,000 38,304 SH   SOLE   0 0 38,304
ISHARES TR CORE MSCI EAFE 46432F842   1,938,000 31,439 SH   SOLE   0 0 31,439
ISHARES TR 0-5YR INVT GR CP 46434V100   3,000 62 SH   SOLE   0 0 62
ISHARES TR CORE TOTAL USD 46434V613   1,000 18 SH   SOLE   0 0 18
ISHARES TR CORE DIV GRWTH 46434V621   3,732,000 74,645 SH   SOLE   0 0 74,645
ISHARES TR CUR HD EURZN ETF 46434V639   13,000 472 SH   SOLE   0 0 472
ISHARES TR HDG MSCI EAFE 46434V803   14,000 506 SH   SOLE   0 0 506
ISHARES TR HDG MSCI JAPAN 46434V886   18,000 701 SH   SOLE   0 0 701
ISHARES TR IBONDS DEC23 ETF 46434VAX8   145,000 5,790 SH   SOLE   0 0 5,790
ISHARES TR IBONDS DEC25 ETF 46434VBD1   78,000 3,227 SH   SOLE   0 0 3,227
ISHARES TR IBONDS DEC24 ETF 46434VBG4   218,000 8,935 SH   SOLE   0 0 8,935
ISHARES TR CONV BD ETF 46435G102   0 5 SH   SOLE   0 0 5
ISHARES TR IBONDS DEC2023 46435G318   219,000 8,623 SH   SOLE   0 0 8,623
ISHARES TR MSCI UK ETF NEW 46435G334   27,000 892 SH   SOLE   0 0 892
ISHARES TR ESG AWR MSCI USA 46435G425   4,000 49 SH   SOLE   0 0 49
ISHARES TR IBONDS DEC2026 46435GAA0   12,000 526 SH   SOLE   0 0 526
ISHARES TR IBONDS 26 TRM TS 46436E858   22,000 985 SH   SOLE   0 0 985
ISHARES TR IBONDS 25 TRM TS 46436E866   1,240,000 53,283 SH   SOLE   0 0 53,283
ISHARES TR IBONDS 24 TRM TS 46436E874   1,915,000 80,289 SH   SOLE   0 0 80,289
ISHARES TR IBONDS 23 TRM TS 46436E882   9,363,000 379,060 SH   SOLE   0 0 379,060
JOHNSON & JOHNSON COM 478160104   587,000 3,323 SH   SOLE   0 0 3,323
KIMBERLY-CLARK CORP COM 494368103   234,000 1,720 SH   SOLE   0 0 1,720
MCDONALDS CORP COM 580135101   273,000 1,037 SH   SOLE   0 0 1,037
MICROSOFT CORP COM 594918104   2,345,000 9,777 SH   SOLE   0 0 9,777
NEWMONT CORP COM 651639106   696,000 14,745 SH   SOLE   0 0 14,745
NVIDIA CORPORATION COM 67066G104   659,000 4,507 SH   SOLE   0 0 4,507
OTIS WORLDWIDE CORP COM 68902V107   217,000 2,765 SH   SOLE   0 0 2,765
PFIZER INC COM 717081103   367,000 7,158 SH   SOLE   0 0 7,158
PROSHARES TR PSHS SHORT DOW30 74347B235   5,000 154 SH   SOLE   0 0 154
PROSHARES TR S&P MDCP 400 DIV 74347B680   173,000 2,413 SH   SOLE   0 0 2,413
PROSHARES TR SHORT QQQ NEW 74347B714   321,000 21,774 SH   SOLE   0 0 21,774
PROSHARES TR S&P 500 DV ARIST 74348A467   281,000 3,123 SH   SOLE   0 0 3,123
QUANTA SVCS INC COM 74762E102   270,000 1,893 SH   SOLE   0 0 1,893
RAYTHEON TECHNOLOGIES CORP COM 75513E101   593,000 5,878 SH   SOLE   0 0 5,878
SPDR SER TR BBG CONV SEC ETF 78464A359   5,000 80 SH   SOLE   0 0 80
SPDR SER TR PRTFLO S&P500 GW 78464A409   21,000 411 SH   SOLE   0 0 411
SPDR SER TR PORTFOLIO SHORT 78464A474   3,000 117 SH   SOLE   0 0 117
SPDR SER TR PORTFOLIO AGRGTE 78464A649   0 6 SH   SOLE   0 0 6
SPDR SER TR S&P METALS MNG 78464A755   5,000 102 SH   SOLE   0 0 102
SPDR SER TR S&P DIVID ETF 78464A763   391,000 3,125 SH   SOLE   0 0 3,125
SPDR SER TR PORTFOLI S&P1500 78464A805   1,000 27 SH   SOLE   0 0 27
SPDR SER TR S&P 600 SML CAP 78464A813   43,000 520 SH   SOLE   0 0 520
SPDR SER TR PORTFOLIO S&P500 78464A854   13,000 297 SH   SOLE   0 0 297
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100   2,000 30 SH   SOLE   0 0 30
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   33,000 240 SH   SOLE   0 0 240
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407   8,000 60 SH   SOLE   0 0 60
SELECT SECTOR SPDR TR ENERGY 81369Y506   162,000 1,857 SH   SOLE   0 0 1,857
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   1,000 8 SH   SOLE   0 0 8
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886   1,223,000 17,344 SH   SOLE   0 0 17,344
TOYOTA MOTOR CORP ADS 892331307   251,000 1,839 SH   SOLE   0 0 1,839
UNION PAC CORP COM 907818108   336,000 1,625 SH   SOLE   0 0 1,625
UNITEDHEALTH GROUP INC COM 91324P102   399,000 753 SH   SOLE   0 0 753
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   2,140,000 14,094 SH   SOLE   0 0 14,094
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   394,000 3,643 SH   SOLE   0 0 3,643
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   5,750,000 123,109 SH   SOLE   0 0 123,109
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   66,000 188 SH   SOLE   0 0 188
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   1,000 5 SH   SOLE   0 0 5
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   1,228,000 14,886 SH   SOLE   0 0 14,886
VANGUARD INDEX FDS SML CP GRW ETF 922908595   2,000 8 SH   SOLE   0 0 8
VANGUARD INDEX FDS MID CAP ETF 922908629   250,000 1,227 SH   SOLE   0 0 1,227
VANGUARD INDEX FDS GROWTH ETF 922908736   38,000 179 SH   SOLE   0 0 179
VANGUARD INDEX FDS VALUE ETF 922908744   28,000 200 SH   SOLE   0 0 200
VANGUARD INDEX FDS TOTAL STK MKT 922908769   3,306,000 17,294 SH   SOLE   0 0 17,294
WP CAREY INC COM 92936U109   490,000 6,265 SH   SOLE   0 0 6,265
WEC ENERGY GROUP INC COM 92939U106   318,000 3,393 SH   SOLE   0 0 3,393
WALMART INC COM 931142103   406,000 2,861 SH   SOLE   0 0 2,861
WHEATON PRECIOUS METALS CORP COM 962879102   853,000 21,838 SH   SOLE   0 0 21,838