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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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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   3,309,927 162,810 SH   SOLE 0 0 0 162,810
ALPHABET INC CAP STK CL A 02079K305   233,334 1,281 SH   SOLE 0 0 0 1,281
ALTRIA GROUP INC COM 02209S103   749,161 16,447 SH   SOLE 0 0 0 16,447
AMAZON COM INC COM 023135106   942,867 4,879 SH   SOLE 0 0 0 4,879
APPLE INC COM 037833100   1,290,928 6,129 SH   SOLE 0 0 0 6,129
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   357,209 878 SH   SOLE 0 0 0 878
CISCO SYS INC COM 17275R102   1,344,485 28,299 SH   SOLE 0 0 0 28,299
COCA COLA CO COM 191216100   435,621 6,844 SH   SOLE 0 0 0 6,844
DBX ETF TR XTRACK INTL REAL 233051846   953,848 47,267 SH   SOLE 0 0 0 47,267
EXXON MOBIL CORP COM 30231G102   467,291 4,059 SH   SOLE 0 0 0 4,059
FIDELITY COVINGTON TRUST MSCI RL EST ETF 316092857   4,885,787 192,809 SH   SOLE 0 0 0 192,809
FRANKLIN TEMPLETON ETF TR SENIOR LOAN ETF 35473P595   2,841,044 116,389 SH   SOLE 0 0 0 116,389
FRANKLIN TEMPLETON ETF TR FRANKLIN DYN MUN 35473P868   3,377,130 138,403 SH   SOLE 0 0 0 138,403
GRANITESHARES ETF TR BBG COMMD K 1 38747R108   4,026,243 197,753 SH   SOLE 0 0 0 197,753
GRANITESHARES GOLD TR SHS BEN INT 38748G101   871,883 37,974 SH   SOLE 0 0 0 37,974
INVESCO EXCH TRADED FD TR II S&P INTL QULTY 46138E214   760,317 24,994 SH   SOLE 0 0 0 24,994
INVESCO EXCH TRADED FD TR II NY AMT FRE MUN 46138E529   2,920,879 127,216 SH   SOLE 0 0 0 127,216
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354   6,491,395 99,945 SH   SOLE 0 0 0 99,945
ISHARES INC JP MRG EM CRP BD 464286251   901,195 20,343 SH   SOLE 0 0 0 20,343
ISHARES TR GL CLEAN ENE ETF 464288224   163,103 12,245 SH   SOLE 0 0 0 12,245
ISHARES TR MORNINGSTAR VALU 464288109   244,233 3,200 SH   SOLE 0 0 0 3,200
ISHARES TR ESG AWRE USD ETF 46435G193   266,483 11,729 SH   SOLE 0 0 0 11,729
ISHARES TR SELECT DIVID ETF 464287168   286,239 2,366 SH   SOLE 0 0 0 2,366
ISHARES TR RUS MD CP GR ETF 464287481   338,995 3,072 SH   SOLE 0 0 0 3,072
ISHARES TR RUS MID CAP ETF 464287499   371,346 4,580 SH   SOLE 0 0 0 4,580
ISHARES TR S&P MC 400GR ETF 464287606   476,323 5,406 SH   SOLE 0 0 0 5,406
ISHARES TR S&P MC 400VL ETF 464287705   554,933 4,891 SH   SOLE 0 0 0 4,891
ISHARES TR JPMORGAN USD EMG 464288281   641,592 7,251 SH   SOLE 0 0 0 7,251
ISHARES TR CORE INTL AGGR 46435G672   1,070,060 21,436 SH   SOLE 0 0 0 21,436
ISHARES TR RUS 1000 GRW ETF 464287614   1,351,239 3,707 SH   SOLE 0 0 0 3,707
ISHARES TR IBOXX INV CP ETF 464287242   1,414,093 13,201 SH   SOLE 0 0 0 13,201
ISHARES TR EAFE SML CP ETF 464288273   2,057,297 33,376 SH   SOLE 0 0 0 33,376
ISHARES TR EAFE VALUE ETF 464288877   2,209,235 41,652 SH   SOLE 0 0 0 41,652
ISHARES TR S&P SML 600 GWT 464287887   2,218,307 17,273 SH   SOLE 0 0 0 17,273
ISHARES TR EAFE GRWTH ETF 464288885   3,196,296 31,244 SH   SOLE 0 0 0 31,244
ISHARES TR CORE HIGH DV ETF 46429B663   3,656,233 33,636 SH   SOLE 0 0 0 33,636
ISHARES TR MORNINGSTAR GRWT 464287119   4,487,726 55,125 SH   SOLE 0 0 0 55,125
MICROSOFT CORP COM 594918104   504,607 1,129 SH   SOLE 0 0 0 1,129
MONDELEZ INTL INC CL A 609207105   561,410 8,579 SH   SOLE 0 0 0 8,579
NUSHARES ETF TR NUVEEN ESG LRGVL 67092P300   201,874 5,342 SH   SOLE 0 0 0 5,342
NUSHARES ETF TR NUVEEN ESG LRGCP 67092P201   332,269 4,094 SH   SOLE 0 0 0 4,094
NVIDIA CORPORATION COM 67066G104   293,618 2,377 SH   SOLE 0 0 0 2,377
PACER FDS TR PACER US SMALL 69374H857   1,157,781 26,579 SH   SOLE 0 0 0 26,579
PACER FDS TR DEVELOPED MRKT 69374H873   2,319,777 76,409 SH   SOLE 0 0 0 76,409
PACER FDS TR US CASH COWS 100 69374H881   4,888,254 89,709 SH   SOLE 0 0 0 89,709
PHILIP MORRIS INTL INC COM 718172109   1,019,278 10,059 SH   SOLE 0 0 0 10,059
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   224,073 2,879 SH   SOLE 0 0 0 2,879
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   382,385 3,792 SH   SOLE 0 0 0 3,792
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888   1,330,496 37,395 SH   SOLE 0 0 0 37,395
SCHWAB STRATEGIC TR FUNDAMENTAL INTL 808524755   3,597,604 102,701 SH   SOLE 0 0 0 102,701
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   3,912,091 52,809 SH   SOLE 0 0 0 52,809
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100   1,673,784 18,954 SH   SOLE 0 0 0 18,954
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109   1,393,498 3,563 SH   SOLE 0 0 0 3,563
SPDR INDEX SHS FDS MSCI EAFE FS ETF 78470E106   298,491 7,318 SH   SOLE 0 0 0 7,318
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   1,100,303 29,209 SH   SOLE 0 0 0 29,209
SPDR SER TR PORTFOLIO S&P600 78468R853   304,872 7,341 SH   SOLE 0 0 0 7,341
SPDR SER TR S&P 400 MDCP VAL 78464A839   913,202 12,520 SH   SOLE 0 0 0 12,520
SPDR SER TR S&P 600 SMCP VAL 78464A300   1,027,427 13,120 SH   SOLE 0 0 0 13,120
SPDR SER TR S&P 400 MDCP GRW 78464A821   1,519,048 18,071 SH   SOLE 0 0 0 18,071
SPDR SER TR S&P 600 SMCP GRW 78464A201   1,830,857 21,324 SH   SOLE 0 0 0 21,324
SPDR SER TR PRTFLO S&P500 VL 78464A508   6,359,225 130,472 SH   SOLE 0 0 0 130,472
SPDR SER TR PRTFLO S&P500 GW 78464A409   8,788,701 109,681 SH   SOLE 0 0 0 109,681
TESLA INC COM 88160R101   280,594 1,418 SH   SOLE 0 0 0 1,418
VANECK ETF TRUST GREEN BOND ETF 92189F171   276,222 11,687 SH   SOLE 0 0 0 11,687
VANECK ETF TRUST GOLD MINERS ETF 92189F106   368,276 10,854 SH   SOLE 0 0 0 10,854
VANGUARD ADMIRAL FDS INC MIDCP 400 GRTH 921932869   612,000 5,587 SH   SOLE 0 0 0 5,587
VANGUARD ADMIRAL FDS INC MIDCP 400 VAL 921932844   1,316,618 15,035 SH   SOLE 0 0 0 15,035
VANGUARD ADMIRAL FDS INC SMLCP 600 VAL 921932778   1,897,719 22,681 SH   SOLE 0 0 0 22,681
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   2,197,959 30,506 SH   SOLE 0 0 0 30,506
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   2,777,397 36,211 SH   SOLE 0 0 0 36,211
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   10,763,248 221,147 SH   SOLE 0 0 0 221,147
VANGUARD INDEX FDS TOTAL STK MKT 922908769   256,810 960 SH   SOLE 0 0 0 960
VANGUARD INDEX FDS MID CAP ETF 922908629   291,227 1,203 SH   SOLE 0 0 0 1,203
VANGUARD INDEX FDS SMALL CP ETF 922908751   469,762 2,154 SH   SOLE 0 0 0 2,154
VANGUARD INDEX FDS GROWTH ETF 922908736   551,369 1,474 SH   SOLE 0 0 0 1,474
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   1,545,372 18,450 SH   SOLE 0 0 0 18,450
VANGUARD INDEX FDS SML CP GRW ETF 922908595   2,432,264 9,724 SH   SOLE 0 0 0 9,724
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   2,771,697 18,425 SH   SOLE 0 0 0 18,425
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538   2,847,979 12,406 SH   SOLE 0 0 0 12,406
VANGUARD INDEX FDS SM CP VAL ETF 922908611   2,966,908 16,255 SH   SOLE 0 0 0 16,255
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   276,427 4,714 SH   SOLE 0 0 0 4,714
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676   470,287 11,592 SH   SOLE 0 0 0 11,592
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   615,759 14,071 SH   SOLE 0 0 0 14,071
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   5,084,649 101,470 SH   SOLE 0 0 0 101,470
VANGUARD SCOTTSDALE FDS VNG RUS2000GRW 92206C623   879,126 4,602 SH   SOLE 0 0 0 4,602
VANGUARD SCOTTSDALE FDS VNG RUS1000GRW 92206C680   8,486,036 90,460 SH   SOLE 0 0 0 90,460
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810   3,868,901 47,600 SH   SOLE 0 0 0 47,600
VANGUARD WHITEHALL FDS EM MK GOV BD ETF 921946885   4,325,238 68,753 SH   SOLE 0 0 0 68,753
VANGUARD WORLD FD MEGA GRWTH IND 921910816   5,701,498 18,146 SH   SOLE 0 0 0 18,146
VULCAN MATLS CO COM 929160109   668,452 2,688 SH   SOLE 0 0 0 2,688
WISDOMTREE TR YIELD ENHANCD US 97717X511   3,043,372 70,842 SH   SOLE 0 0 0 70,842
WISDOMTREE TR US HGH YLD CORP 97717X172   4,517,633 101,296 SH   SOLE 0 0 0 101,296
WISDOMTREE TR EM EX ST-OWNED 97717X578   9,037,090 295,040 SH   SOLE 0 0 0 295,040