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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   2,078,070 56,500 SH   SOLE   0 0 56,500
ABRDN SILVER ETF TRUST PHYSCL SILVR SHS 003264108   8,736,103 366,909 SH   SOLE   0 0 366,909
COLUMBIA ETF TR II EM CORE EX ETF 19762B202   6,190,020 199,036 SH   SOLE   0 0 199,036
DBX ETF TR XTRACKERS SHRT 233051283   9,294,534 208,736 SH   SOLE   0 0 208,736
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500   11,964,355 191,921 SH   SOLE   0 0 191,921
FRANKLIN TEMPLETON ETF TR SENIOR LOAN ETF 35473P595   14,135,673 577,084 SH   SOLE   0 0 577,084
GLOBAL X FDS US INFR DEV ETF 37954Y673   4,943,964 124,189 SH   SOLE   0 0 124,189
INVESCO DB COMMDY INDX TRCK UNIT 46138B103   4,672,511 203,418 SH   SOLE   0 0 203,418
INVESCO EXCH TRADED FD TR II S&P MDCP 400 REV 46138G672   16,483,931 143,214 SH   SOLE   0 0 143,214
INVESCO EXCH TRADED FD TR II S&P SMLCP STAP 46138E172   11,793,347 316,770 SH   SOLE   0 0 316,770
INVESCO EXCHANGE TRADED FD T S&P MDCP MOMNTUM 46137V464   13,238,074 115,254 SH   SOLE   0 0 115,254
INVESCO EXCHANGE TRADED FD T S&P MDCP400 VL 46137V191   9,404,227 78,835 SH   SOLE   0 0 78,835
INVESCO EXCHANGE TRADED FD T S&P SMLCP MOMENT 46137V498   8,163,468 135,336 SH   SOLE   0 0 135,336
INVESCO QQQ TR UNIT SER 1 46090E103   13,173,777 29,670 SH   SOLE   0 0 29,670
ISHARES GOLD TR ISHARES NEW 464285204   7,104,605 169,117 SH   SOLE   0 0 169,117
ISHARES TR 0-5YR HI YL CP 46434V407   5,776,928 135,768 SH   SOLE   0 0 135,768
ISHARES TR 7-10 YR TRSY BD 464287440   9,157,219 96,738 SH   SOLE   0 0 96,738
ISHARES TR INVESTMENT GRADE 46435G219   4,134,677 92,189 SH   SOLE   0 0 92,189
ISHARES TR MSCI EAFE SMCP 46435G839   3,747,114 118,956 SH   SOLE   0 0 118,956
ISHARES TR YLD OPTIM BD 46434V787   8,082,779 361,479 SH   SOLE   0 0 361,479
J P MORGAN EXCHANGE TRADED F MKT EXPNENHNCD 46641Q118   12,318,458 210,464 SH   SOLE   0 0 210,464
PGIM ETF TR PGIM ULTRA SH BD 69344A107   969,249 19,502 SH   SOLE   0 0 19,502
PRINCIPAL EXCHANGE TRADED FD ACTIVE HIGH YL 74255Y102   9,397,597 490,480 SH   SOLE   0 0 490,480
SCHWAB STRATEGIC TR SCHWAB FDT US BM 808524789   13,358,016 201,600 SH   SOLE   0 0 201,600
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771   13,164,300 195,345 SH   SOLE   0 0 195,345
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730   1,824,137 65,711 SH   SOLE   0 0 65,711
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755   4,477,922 125,749 SH   SOLE   0 0 125,749
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   13,332,394 143,792 SH   SOLE   0 0 143,792
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   5,886,039 164,231 SH   SOLE   0 0 164,231
SPDR INDEX SHS FDS S&P EM MKT DIV 78463X533   6,200,255 185,027 SH   SOLE   0 0 185,027
SPDR SER TR GLB DOW ETF 78464A706   9,742,883 75,826 SH   SOLE   0 0 75,826
SPDR SER TR PORTFOLIO INTRMD 78464A375   3,703,777 113,300 SH   SOLE   0 0 113,300
SPDR SER TR PORTFOLIO SHORT 78464A474   7,733,651 259,780 SH   SOLE   0 0 259,780
SPDR SER TR PRTFLO S&P500 VL 78464A508   12,973,044 258,943 SH   SOLE   0 0 258,943
VANECK ETF TRUST IG FLOATING RATE 92189F486   15,484,544 606,999 SH   SOLE   0 0 606,999
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538   13,783,340 58,456 SH   SOLE   0 0 58,456
VANGUARD SCOTTSDALE FDS LG-TERM COR BD 92206C813   9,186,862 117,434 SH   SOLE   0 0 117,434
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   5,684,261 113,300 SH   SOLE   0 0 113,300
VANGUARD WELLINGTON FD US QUALITY 921935706   17,664,655 129,005 SH   SOLE   0 0 129,005
VANGUARD WORLD FD CONSUM STP ETF 92204A207   12,502,554 61,245 SH   SOLE   0 0 61,245
VANGUARD WORLD FD MEGA CAP INDEX 921910873   14,278,550 76,409 SH   SOLE   0 0 76,409
WISDOMTREE TR GLB US QTLY DIV 97717W844   6,478,218 166,578 SH   SOLE   0 0 166,578