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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
AB ACTIVE ETFS INC HIGH YIELD ETF 00039J608   2,131,391 58,397 SH   SOLE   0 0 58,397
ABRDN SILVER ETF TRUST PHYSCL SILVR SHS 003264108   8,159,470 358,343 SH   SOLE   0 0 358,343
COLUMBIA ETF TR II EM CORE EX ETF 19762B202   6,024,820 199,036 SH   SOLE   0 0 199,036
DBX ETF TR XTRACKERS SHRT 233051283   9,274,483 209,034 SH   SOLE   0 0 209,034
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500   11,469,696 192,380 SH   SOLE   0 0 192,380
FRANKLIN TEMPLETON ETF TR SENIOR LOAN ETF 35473P595   13,929,076 573,449 SH   SOLE   0 0 573,449
GLOBAL X FDS US INFR DEV ETF 37954Y673   4,756,238 138,022 SH   SOLE   0 0 138,022
INVESCO DB COMMDY INDX TRCK UNIT 46138B103   4,304,721 195,314 SH   SOLE   0 0 195,314
INVESCO EXCH TRADED FD TR II S&P MDCP 400 REV 46138G672   15,107,725 143,842 SH   SOLE   0 0 143,842
INVESCO EXCH TRADED FD TR II S&P SMLCP STAP 46138E172   11,704,016 304,727 SH   SOLE   0 0 304,727
INVESCO EXCHANGE TRADED FD T S&P MDCP MOMNTUM 46137V464   12,752,571 141,995 SH   SOLE   0 0 141,995
INVESCO EXCHANGE TRADED FD T S&P MDCP400 VL 46137V191   8,943,221 76,812 SH   SOLE   0 0 76,812
INVESCO EXCHANGE TRADED FD T S&P SMLCP MOMENT 46137V498   7,690,868 135,747 SH   SOLE   0 0 135,747
INVESCO QQQ TR UNIT SER 1 46090E103   12,211,067 29,818 SH   SOLE   0 0 29,818
ISHARES GOLD TR ISHARES NEW 464285204   6,613,399 169,444 SH   SOLE   0 0 169,444
ISHARES TR 0-5YR HI YL CP 46434V407   5,769,743 136,659 SH   SOLE   0 0 136,659
ISHARES TR 7-10 YR TRSY BD 464287440   9,324,576 96,738 SH   SOLE   0 0 96,738
ISHARES TR INVESTMENT GRADE 46435G219   4,190,682 92,622 SH   SOLE   0 0 92,622
ISHARES TR MSCI EAFE SMCP 46435G839   3,493,110 119,209 SH   SOLE   0 0 119,209
ISHARES TR YLD OPTIM BD 46434V787   8,090,823 360,724 SH   SOLE   0 0 360,724
J P MORGAN EXCHANGE TRADED F MKT EXPNENHNCD 46641Q118   11,364,714 211,594 SH   SOLE   0 0 211,594
PGIM ETF TR PGIM ULTRA SH BD 69344A107   877,166 17,760 SH   SOLE   0 0 17,760
PRINCIPAL EXCHANGE TRADED FD ACTIVE HIGH YL 74255Y102   9,260,279 491,001 SH   SOLE   0 0 491,001
SCHWAB STRATEGIC TR SCHWAB FDT US BM 808524789   12,350,326 202,133 SH   SOLE   0 0 202,133
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771   12,161,176 196,338 SH   SOLE   0 0 196,338
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730   1,783,397 65,711 SH   SOLE   0 0 65,711
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755   4,255,545 126,165 SH   SOLE   0 0 126,165
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   13,184,252 158,923 SH   SOLE   0 0 158,923
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   5,600,937 164,685 SH   SOLE   0 0 164,685
SPDR INDEX SHS FDS S&P EM MKT DIV 78463X533   6,031,159 185,460 SH   SOLE   0 0 185,460
SPDR SER TR GLB DOW ETF 78464A706   9,078,750 76,284 SH   SOLE   0 0 76,284
SPDR SER TR PORTFOLIO INTRMD 78464A375   3,721,248 113,349 SH   SOLE   0 0 113,349
SPDR SER TR PORTFOLIO SHORT 78464A474   7,915,703 265,806 SH   SOLE   0 0 265,806
SPDR SER TR PRTFLO S&P500 VL 78464A508   12,366,929 265,214 SH   SOLE   0 0 265,214
VANECK ETF TRUST IG FLOATING RATE 92189F486   15,315,696 608,974 SH   SOLE   0 0 608,974
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538   13,182,544 60,038 SH   SOLE   0 0 60,038
VANGUARD SCOTTSDALE FDS LG-TERM COR BD 92206C813   9,342,845 116,567 SH   SOLE   0 0 116,567
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   5,427,070 113,300 SH   SOLE   0 0 113,300
VANGUARD WELLINGTON FD US QUALITY 921935706   16,356,086 129,328 SH   SOLE   0 0 129,328
VANGUARD WORLD FDS CONSUM STP ETF 92204A207   11,785,287 61,716 SH   SOLE   0 0 61,716
VANGUARD WORLD FD MEGA CAP INDEX 921910873   12,992,917 76,754 SH   SOLE   0 0 76,754
WISDOMTREE TR GLB US QTLY DIV 97717W844   6,183,692 167,172 SH   SOLE   0 0 167,172