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
ISHARES TR RUS TP200 GR ETF 464289438   10,305,982 66,996 SH   SOLE   0 0 66,996
ABBOTT LABS COM 002824100   512,433 5,291 SH   SOLE   0 0 5,291
MICROSOFT CORP COM 594918104   5,270,013 16,690 SH   SOLE   0 0 16,690
ISHARES TR CORE MSCI EAFE 46432F842   11,183,249 173,788 SH   SOLE   0 0 173,788
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   1,169,371 17,278 SH   SOLE   0 0 17,278
SPDR INDEX SHS FDS S&P INTL ETF 78463X772   631,581 19,197 SH   SOLE   0 0 19,197
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   117,821,383 1,620,206 SH   SOLE   0 0 1,620,206
ISHARES TR CORE DIV GRWTH 46434V621   448,048 9,046 SH   SOLE   0 0 9,046
ISHARES TR RUSSELL 2000 ETF 464287655   434,182 2,457 SH   SOLE   0 0 2,457
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   23,688,293 989,486 SH   SOLE   0 0 989,486
ENERGY TRANSFER L P COM UT LTD PTN 29273V100   1,094,624 78,020 SH   SOLE   0 0 78,020
INVESCO EXCHANGE TRADED FD T S&P500 EQL HLT 46137V332   2,920,652 106,593 SH   SOLE   0 0 106,593
ISHARES TR S&P 500 GRWT ETF 464287309   299,754 4,381 SH   SOLE   0 0 4,381
INNOVATOR ETFS TR US EQTY PWR BUF 45782C748   7,414,302 236,803 SH   SOLE   0 0 236,803
ISHARES TR FLTG RATE NT ETF 46429B655   370,276 7,276 SH   SOLE   0 0 7,276
PAVMED INC COM 70387R106   4,299 14,592 SH   SOLE   0 0 14,592
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730   11,722,417 447,079 SH   SOLE   0 0 447,079
ISHARES TR MSCI USA VALUE 46432F388   1,988,673 21,921 SH   SOLE   0 0 21,921
STATE STR CORP COM 857477103   441,534 6,594 SH   SOLE   0 0 6,594
ISHARES TR PFD AND INCM SEC 464288687   226,155 7,501 SH   SOLE   0 0 7,501
ISHARES TR CORE MSCI TOTAL 46432F834   1,367,112 22,789 SH   SOLE   0 0 22,789
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   91,562,301 2,696,181 SH   SOLE   0 0 2,696,181
ARK ETF TR INNOVATION ETF 00214Q104   233,264 5,880 SH   SOLE   0 0 5,880
COMCAST CORP NEW CL A 20030N101   458,279 10,336 SH   SOLE   0 0 10,336
ISHARES TR CORE US AGGBD ET 464287226   5,444,074 57,891 SH   SOLE   0 0 57,891
ISHARES TR NATIONAL MUN ETF 464288414   5,171,203 50,431 SH   SOLE   0 0 50,431
GLOBAL X FDS NASDAQ 100 COVER 37954Y483   412,260 24,583 SH   SOLE   0 0 24,583
VANGUARD WORLD FD MEGA CAP INDEX 921910873   859,623 5,660 SH   SOLE   0 0 5,660
ISHARES TR MSCI EAFE ETF 464287465   3,259,414 47,293 SH   SOLE   0 0 47,293
ISHARES TR RUS 2000 VAL ETF 464287630   859,251 6,339 SH   SOLE   0 0 6,339
WM TECHNOLOGY INC COM 92971A109   13,467 10,202 SH   SOLE   0 0 10,202
TILRAY BRANDS INC COM 88688T100   57,489 24,054 SH   SOLE   0 0 24,054
NVIDIA CORPORATION COM 67066G104   945 100 SH Put SOLE   0 0 100
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   2,563,710 76,369 SH   SOLE   0 0 76,369
FS CREDIT OPPORTUNITIES CORP COMMON STOCK 30290Y101   322,262 59,458 SH   SOLE   0 0 59,458
CHEVRON CORP NEW COM 166764100   595,535 3,532 SH   SOLE   0 0 3,532
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   28,812,953 220,013 SH   SOLE   0 0 220,013
INNOVATOR ETFS TR US EQT ULTRA BF 45782C805   344,385 13,367 SH   SOLE   0 0 13,367
ISHARES TR SHORT TREAS BD 464288679   645,168 5,840 SH   SOLE   0 0 5,840
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   510,232 7,312 SH   SOLE   0 0 7,312
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   221,049 8,437 SH   SOLE   0 0 8,437
ISHARES TR TIPS BD ETF 464287176   619,278 5,971 SH   SOLE   0 0 5,971
ISHARES TR 0-5 YR TIPS ETF 46429B747   261,587 2,699 SH   SOLE   0 0 2,699
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407   484,067 3,007 SH   SOLE   0 0 3,007
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538   27,889,853 143,194 SH   SOLE   0 0 143,194
ISHARES TR ISHS 1-5YR INVS 464288646   261,259 5,243 SH   SOLE   0 0 5,243
INVESCO QQQ TR UNIT SER 1 46090E103   1,269,017 3,542 SH   SOLE   0 0 3,542
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763   8,266,031 170,469 SH   SOLE   0 0 170,469
ISHARES TR MSCI USA ESG SLC 464288802   255,335 2,838 SH   SOLE   0 0 2,838
AGILENT TECHNOLOGIES INC COM 00846U101   316,115 2,827 SH   SOLE   0 0 2,827
HOME DEPOT INC COM 437076102   962,904 3,187 SH   SOLE   0 0 3,187
NVIDIA CORPORATION COM 67066G104   1,351,902 3,108 SH   SOLE   0 0 3,108
NETFLIX INC COM 64110L106   453,879 1,202 SH   SOLE   0 0 1,202
TAKEDA PHARMACEUTICAL CO LTD SPONSORED ADS 874060205   182,484 11,796 SH   SOLE   0 0 11,796
SPDR SER TR S&P 600 SMCP VAL 78464A300   6,412,590 88,608 SH   SOLE   0 0 88,608
SELECT SECTOR SPDR TR ENERGY 81369Y506   1,369,949 15,156 SH   SOLE   0 0 15,156
GLOBAL X FDS S&P 500 COVERED 37954Y475   1,132,744 29,127 SH   SOLE   0 0 29,127
SCHWAB CHARLES FAMILY FD AMT TAX FREE MNY 808515530   1,066,081 1,066,081 SH   SOLE   0 0 1,066,081
WORLD GOLD TR SPDR GLD MINIS 98149E303   225,349 6,147 SH   SOLE   0 0 6,147
VANGUARD INDEX FDS MID CAP ETF 922908629   314,163 1,509 SH   SOLE   0 0 1,509
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   223,933 7,221 SH   SOLE   0 0 7,221
TRIMBLE INC COM 896239100   371,042 6,889 SH   SOLE   0 0 6,889
ISHARES TR JPMORGAN USD EMG 464288281   200,211 2,426 SH   SOLE   0 0 2,426
SPDR SER TR PORTFOLIO AGRGTE 78464A649   2,099,010 86,237 SH   SOLE   0 0 86,237
US BANCORP DEL COM NEW 902973304   272,663 8,248 SH   SOLE   0 0 8,248
AUTOMATIC DATA PROCESSING IN COM 053015103   330,076 1,372 SH   SOLE   0 0 1,372
SCHWAB STRATEGIC TR 1000 INDEX ETF 808524722   413,021 10,001 SH   SOLE   0 0 10,001
ISHARES TR S&P 100 ETF 464287101   2,505,191 12,486 SH   SOLE   0 0 12,486
LIQUIDIA CORPORATION COM NEW 53635D202   325,350 51,317 SH   SOLE   0 0 51,317
INNOVATOR ETFS TR US EQTY PWR BUF 45782C813   3,177,236 94,280 SH   SOLE   0 0 94,280
DBX ETF TR XTRACK MUN INFRA 233051705   4,737,777 199,569 SH   SOLE   0 0 199,569
INVESCO EXCH TRADED FD TR II FNDMNTL HY CRP 46138E719   1,346,797 78,852 SH   SOLE   0 0 78,852
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888   42,384,623 1,314,252 SH   SOLE   0 0 1,314,252
ISHARES TR IBOXX INV CP ETF 464287242   791,937 7,763 SH   SOLE   0 0 7,763
VANGUARD SCOTTSDALE FDS VNG RUS1000GRW 92206C680   847,018 12,376 SH   SOLE   0 0 12,376
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   348,793 3,376 SH   SOLE   0 0 3,376
ISHARES INC JP MRGN EM HI BD 464286285   271,980 7,990 SH   SOLE   0 0 7,990
DOW INC COM 260557103   547,285 10,615 SH   SOLE   0 0 10,615
MASTERCARD INCORPORATED CL A 57636Q104   287,197 725 SH   SOLE   0 0 725
REGENERON PHARMACEUTICALS COM 75886F107   2,216,231 2,693 SH   SOLE   0 0 2,693
ELI LILLY & CO COM 532457108   808,774 1,506 SH   SOLE   0 0 1,506
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854   7,639,076 159,347 SH   SOLE   0 0 159,347
LOWES COS INC COM 548661107   292,767 1,409 SH   SOLE   0 0 1,409
ISHARES TR MRGSTR MD CP GRW 464288307   318,843 5,581 SH   SOLE   0 0 5,581
VANGUARD INDEX FDS TOTAL STK MKT 922908769   8,372,933 39,419 SH   SOLE   0 0 39,419
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   5,239,952 119,853 SH   SOLE   0 0 119,853
ISHARES TR 0-3 MNTH TREASRY 46436E718   585,295 5,814 SH   SOLE   0 0 5,814
AMPLIFY ETF TR BLACKSWAN GRWT 032108888   2,795,229 117,053 SH   SOLE   0 0 117,053
INTERNATIONAL BUSINESS MACHS COM 459200101   539,005 3,842 SH   SOLE   0 0 3,842
WELLS FARGO CO NEW COM 949746101   207,591 5,081 SH   SOLE   0 0 5,081
EXXON MOBIL CORP COM 30231G102   1,192,745 10,144 SH   SOLE   0 0 10,144
GENERAL ELECTRIC CO COM NEW 369604301   253,172 2,290 SH   SOLE   0 0 2,290
SPDR SER TR BBG CONV SEC ETF 78464A359   7,013,942 103,450 SH   SOLE   0 0 103,450
AMERICAN CENTY ETF TR DIVERSIFIED MU 025072505   228,323 4,762 SH   SOLE   0 0 4,762
MARRIOTT INTL INC NEW CL A 571903202   276,585 1,407 SH   SOLE   0 0 1,407
INTEL CORP COM 458140100   254,348 7,155 SH   SOLE   0 0 7,155
INVESCO INDIA EXCHANGE-TRADE INDIA ETF 46137R109   3,450,543 146,957 SH   SOLE   0 0 146,957
SPDR SER TR PRTFLO S&P500 HI 78468R788   1,038,207 29,604 SH   SOLE   0 0 29,604
UNITEDHEALTH GROUP INC COM 91324P102   203,271 403 SH   SOLE   0 0 403
FRANCO NEV CORP COM 351858105   304,224 2,279 SH   SOLE   0 0 2,279
SPDR SER TR PORTFLI TIPS ETF 78464A656   1,198,927 48,266 SH   SOLE   0 0 48,266
ISHARES TR RUS TOP 200 ETF 464289446   274,654 2,657 SH   SOLE   0 0 2,657
BRISTOL-MYERS SQUIBB CO COM 110122108   302,747 5,216 SH   SOLE   0 0 5,216
SENSEONICS HLDGS INC COM 81727U105   15,098 25,001 SH   SOLE   0 0 25,001
STARBUCKS CORP COM 855244109   337,877 3,702 SH   SOLE   0 0 3,702
FS KKR CAP CORP COM 302635206   261,660 13,289 SH   SOLE   0 0 13,289
BANK AMERICA CORP COM 060505104   310,361 11,335 SH   SOLE   0 0 11,335
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771   130,595,273 2,333,308 SH   SOLE   0 0 2,333,308
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   351,334 1,144 SH   SOLE   0 0 1,144
COCA COLA CO COM 191216100   571,461 10,208 SH   SOLE   0 0 10,208
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504   297,595 1,266 SH   SOLE   0 0 1,266
VANGUARD WORLD FDS INF TECH ETF 92204A702   2,476,562 5,969 SH   SOLE   0 0 5,969
ISHARES TR RESIDENTIAL MULT 464288562   599,436 9,089 SH   SOLE   0 0 9,089
VAXXINITY INC COM CL A 92244V104   93,545 68,281 SH   SOLE   0 0 68,281
VERTEX PHARMACEUTICALS INC COM 92532F100   753,553 2,167 SH   SOLE   0 0 2,167
INNOVATOR ETFS TR US EQTY PWR BUF 45782C797   232,218 6,838 SH   SOLE   0 0 6,838
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   3,981,854 56,273 SH   SOLE   0 0 56,273
VANGUARD WORLD FD MEGA GRWTH IND 921910816   302,231 1,332 SH   SOLE   0 0 1,332
VANGUARD INDEX FDS GROWTH ETF 922908736   1,546,595 5,680 SH   SOLE   0 0 5,680
SPDR SER TR S&P 400 MDCP GRW 78464A821   20,667,889 298,928 SH   SOLE   0 0 298,928
MARSH & MCLENNAN COS INC COM 571748102   690,979 3,631 SH   SOLE   0 0 3,631
ALPHABET INC CAP STK CL A 02079K305   1,132,514 8,654 SH   SOLE   0 0 8,654
SPDR S&P 500 ETF TR TR UNIT 78462F103   2,424,110 5,671 SH   SOLE   0 0 5,671
ISHARES TR 0-5YR HI YL CP 46434V407   816,851 19,909 SH   SOLE   0 0 19,909
SPDR SER TR S&P 400 MDCP VAL 78464A839   16,126,436 248,635 SH   SOLE   0 0 248,635
CHOICE HOTELS INTL INC COM 169905106   320,731 2,618 SH   SOLE   0 0 2,618
ISHARES TR RUS 2000 GRW ETF 464287648   1,134,423 5,061 SH   SOLE   0 0 5,061
ISHARES TR INTERNATIONAL SL 46434V266   4,008,733 135,522 SH   SOLE   0 0 135,522
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   921,595 5,931 SH   SOLE   0 0 5,931
PIMCO ETF TR INTER MUN BD ACT 72201R866   2,047,918 40,901 SH   SOLE   0 0 40,901
VANGUARD INDEX FDS VALUE ETF 922908744   2,152,623 15,607 SH   SOLE   0 0 15,607
PHILLIPS EDISON & CO INC COMMON STOCK 71844V201   5,997,153 178,806 SH   SOLE   0 0 178,806
MCDONALDS CORP COM 580135101   532,139 2,020 SH   SOLE   0 0 2,020
WISDOMTREE TR INTRST RATE HDGE 97717W380   3,762,159 169,773 SH   SOLE   0 0 169,773
SPDR SER TR NUVEEN BLOOMBERG 78464A284   1,867,254 78,390 SH   SOLE   0 0 78,390
GILEAD SCIENCES INC COM 375558103   808,754 10,792 SH   SOLE   0 0 10,792
THE CIGNA GROUP COM 125523100   348,393 1,218 SH   SOLE   0 0 1,218
NIKE INC CL B 654106103   219,478 2,295 SH   SOLE   0 0 2,295
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   5,470,699 113,736 SH   SOLE   0 0 113,736
PEPSICO INC COM 713448108   263,384 1,554 SH   SOLE   0 0 1,554
DRAFTKINGS INC NEW COM CL A 26142V105   227,571 7,730 SH   SOLE   0 0 7,730
JOHNSON & JOHNSON COM 478160104   956,100 6,139 SH   SOLE   0 0 6,139
ISHARES TR RUS 1000 VAL ETF 464287598   1,593,624 10,497 SH   SOLE   0 0 10,497
ISHARES GOLD TR ISHARES NEW 464285204   599,589 17,136 SH   SOLE   0 0 17,136
NEXTERA ENERGY INC COM 65339F101   202,596 3,536 SH   SOLE   0 0 3,536
INVESCO EXCHANGE TRADED FD T S&P 500 TOP 50 46137V233   2,386,422 70,272 SH   SOLE   0 0 70,272
SPDR SER TR S&P BIOTECH 78464A870   578,099 7,917 SH   SOLE   0 0 7,917
INNOVATOR ETFS TR US EQTY BUFR JUN 45782C755   284,615 8,672 SH   SOLE   0 0 8,672
ISHARES TR CORE S&P500 ETF 464287200   16,122,740 37,545 SH   SOLE   0 0 37,545
VANGUARD INDEX FDS SML CP GRW ETF 922908595   12,524,670 58,477 SH   SOLE   0 0 58,477
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308   1,377,735 20,022 SH   SOLE   0 0 20,022
VANGUARD WORLD FDS UTILITIES ETF 92204A876   825,406 6,472 SH   SOLE   0 0 6,472
META PLATFORMS INC CL A 30303M102   773,346 2,576 SH   SOLE   0 0 2,576
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   32,001,617 225,857 SH   SOLE   0 0 225,857
ISHARES TR ISHARES SEMICDTR 464287523   383,191 809 SH   SOLE   0 0 809
HUBSPOT INC COM 443573100   788,493 1,601 SH   SOLE   0 0 1,601
CHEMED CORP NEW COM 16359R103   320,135 616 SH   SOLE   0 0 616
UNION PAC CORP COM 907818108   289,765 1,423 SH   SOLE   0 0 1,423
JPMORGAN CHASE & CO COM 46625H100   474,865 3,274 SH   SOLE   0 0 3,274
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   528,421 10,600 SH   SOLE   0 0 10,600
MODERNA INC COM 60770K107   874,660 8,468 SH   SOLE   0 0 8,468
INVESCO EXCHANGE TRADED FD T S&P500 PUR GWT 46137V266   231,495 7,678 SH   SOLE   0 0 7,678
CHARLES RIV LABS INTL INC COM 159864107   207,347 1,058 SH   SOLE   0 0 1,058
GOLDMAN SACHS ETF TR ACTIVEBETA US LG 381430503   2,767,738 32,859 SH   SOLE   0 0 32,859
DYNATRACE INC COM NEW 268150109   586,088 12,542 SH   SOLE   0 0 12,542
SPDR SER TR ICE PFD SEC ETF 78464A292   1,345,727 41,458 SH   SOLE   0 0 41,458
APPLE INC COM 037833100   10,864,352 63,456 SH   SOLE   0 0 63,456
ALPHABET INC CAP STK CL C 02079K107   1,009,847 7,659 SH   SOLE   0 0 7,659
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706   867,366 15,177 SH   SOLE   0 0 15,177
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   67,757,869 1,531,944 SH   SOLE   0 0 1,531,944
VANGUARD INDEX FDS SM CP VAL ETF 922908611   14,637,544 91,777 SH   SOLE   0 0 91,777
ISHARES TR ASIA 50 ETF 464288430   758,896 13,686 SH   SOLE   0 0 13,686
ISHARES INC CORE MSCI EMKT 46434G103   482,425 10,137 SH   SOLE   0 0 10,137
GAMIDA CELL LTD SHS M47364100   26,398 25,629 SH   SOLE   0 0 25,629
GLOBE LIFE INC COM 37959E102   312,055 2,870 SH   SOLE   0 0 2,870
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   1,560,002 12,117 SH   SOLE   0 0 12,117
TOAST INC CL A 888787108   973,173 51,958 SH   SOLE   0 0 51,958
INVESCO EXCHANGE TRADED FD T S&P500 EQL IND 46137V324   302,874 7,910 SH   SOLE   0 0 7,910
ISHARES TR CONV BD ETF 46435G102   424,606 5,722 SH   SOLE   0 0 5,722
PIMCO ETF TR 0-5 HIGH YIELD 72201R783   207,608 2,299 SH   SOLE   0 0 2,299
ISHARES TR EAFE SML CP ETF 464288273   1,562,674 27,673 SH   SOLE   0 0 27,673
KOPIN CORP COM 500600101   24,877 20,391 SH   SOLE   0 0 20,391
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   3,985,229 101,638 SH   SOLE   0 0 101,638
VERIZON COMMUNICATIONS INC COM 92343V104   638,323 19,695 SH   SOLE   0 0 19,695
VANECK ETF TRUST LONG MUNI ETF 92189F536   2,402,313 143,765 SH   SOLE   0 0 143,765
SPDR SER TR S&P METALS MNG 78464A755   496,218 9,452 SH   SOLE   0 0 9,452
AON PLC SHS CL A G0403H108   937,320 2,891 SH   SOLE   0 0 2,891
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   1,986,529 5,059 SH   SOLE   0 0 5,059
SPDR SER TR S&P 600 SMCP GRW 78464A201   5,513,966 75,255 SH   SOLE   0 0 75,255
SPDR SER TR NUVEEN BLMBRG SH 78468R739   2,440,959 52,800 SH   SOLE   0 0 52,800
VISA INC COM CL A 92826C839   543,139 2,361 SH   SOLE   0 0 2,361
TESLA INC COM 88160R101   1,646,891 6,582 SH   SOLE   0 0 6,582
PIMCO ETF TR INV GRD CRP BD 72201R817   9,057,287 99,400 SH   SOLE   0 0 99,400
INDEXIQ ETF TR IQ MRGR ARB ETF 45409B800   298,241 9,441 SH   SOLE   0 0 9,441
LOCKHEED MARTIN CORP COM 539830109   261,613 640 SH   SOLE   0 0 640
VANGUARD INDEX FDS LARGE CAP ETF 922908637   2,960,571 15,129 SH   SOLE   0 0 15,129
AMERICAN EXPRESS CO COM 025816109   1,055,442 7,074 SH   SOLE   0 0 7,074
ORACLE CORP COM 68389X105   2,134,828 20,155 SH   SOLE   0 0 20,155
WALMART INC COM 931142103   538,782 3,369 SH   SOLE   0 0 3,369
CISCO SYS INC COM 17275R102   594,113 11,051 SH   SOLE   0 0 11,051
VANECK ETF TRUST HIGH YLD MUNIETF 92189H409   1,036,186 21,116 SH   SOLE   0 0 21,116
VANECK ETF TRUST SHRT HGH YLD MUN 92189F387   933,422 43,174 SH   SOLE   0 0 43,174
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   885,657 2,528 SH   SOLE   0 0 2,528
INNOVATOR ETFS TR US EQTY BUF NOV 45782C581   403,977 12,344 SH   SOLE   0 0 12,344
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886   527,365 8,949 SH   SOLE   0 0 8,949
SPDR SER TR NUVEEN BLMBRG MU 78468R721   7,663,172 175,359 SH   SOLE   0 0 175,359
OMNICOM GROUP INC COM 681919106   224,483 3,014 SH   SOLE   0 0 3,014
ORACLE CORP COM 68389X105   20,079 13,800 SH Put SOLE   0 0 13,800
ABBVIE INC COM 00287Y109   2,581,757 17,320 SH   SOLE   0 0 17,320
ISHARES TR CORE TOTAL USD 46434V613   396,976 9,081 SH   SOLE   0 0 9,081
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   296,818 3,923 SH   SOLE   0 0 3,923
SPDR SER TR PRTFLO S&P500 VL 78464A508   12,575,841 304,795 SH   SOLE   0 0 304,795
AMPLIFY ETF TR CWP ENHANCED DIV 032108409   2,104,515 60,596 SH   SOLE   0 0 60,596
PFIZER INC COM 717081103   462,914 13,956 SH   SOLE   0 0 13,956
MERCK & CO INC COM 58933Y105   1,583,504 15,381 SH   SOLE   0 0 15,381
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109   492,711 1,471 SH   SOLE   0 0 1,471
ENTERPRISE PRODS PARTNERS L COM 293792107   1,091,023 39,862 SH   SOLE   0 0 39,862
ISHARES TR RUS MDCP VAL ETF 464287473   5,545,085 53,144 SH   SOLE   0 0 53,144
AT&T INC COM 00206R102   426,268 28,380 SH   SOLE   0 0 28,380
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   2,176,002 52,535 SH   SOLE   0 0 52,535
DISNEY WALT CO COM 254687106   314,706 3,883 SH   SOLE   0 0 3,883
ANNALY CAPITAL MANAGEMENT IN COM NEW 035710839   208,020 11,059 SH   SOLE   0 0 11,059
SPDR INDEX SHS FDS S&P INTL SMLCP 78463X871   1,697,318 58,247 SH   SOLE   0 0 58,247
VICARIOUS SURGICAL INC COM CL A 92561V109   13,528 22,901 SH   SOLE   0 0 22,901
SPDR SER TR PORTFOLIO LN TSR 78464A664   12,543,822 479,687 SH   SOLE   0 0 479,687
BOEING CO COM 097023105   417,351 2,177 SH   SOLE   0 0 2,177
VANGUARD WORLD FDS COMM SRVC ETF 92204A884   250,983 2,386 SH   SOLE   0 0 2,386
ISHARES U S ETF TR BLACKROCK SHORT 46431W838   258,564 5,191 SH   SOLE   0 0 5,191
ISHARES TR IBOXX HI YD ETF 464288513   4,745,917 64,378 SH   SOLE   0 0 64,378
ISHARES TR 20 YR TR BD ETF 464287432   1,087,200 12,258 SH   SOLE   0 0 12,258
VANGUARD WORLD FDS INDUSTRIAL ETF 92204A603   206,484 1,059 SH   SOLE   0 0 1,059
FIRST TR EXCHNG TRADED FD VI TCW UNCONSTRAI 33740F888   330,394 13,824 SH   SOLE   0 0 13,824
PYROGENESIS CDA INC COM 74734T104   7,406 17,633 SH   SOLE   0 0 17,633
VANGUARD INDEX FDS SMALL CP ETF 922908751   7,974,886 42,180 SH   SOLE   0 0 42,180
SPDR SER TR MSCI USA STRTGIC 78468R812   1,866,613 15,467 SH   SOLE   0 0 15,467
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   140,534,527 2,777,362 SH   SOLE   0 0 2,777,362
SPDR SER TR S&P DIVID ETF 78464A763   228,991 1,991 SH   SOLE   0 0 1,991
ISHARES TR RUS 1000 GRW ETF 464287614   3,808,890 14,320 SH   SOLE   0 0 14,320
WISDOMTREE TR HEDGED HI YLD BD 97717W430   1,779,610 84,262 SH   SOLE   0 0 84,262
SSGA ACTIVE ETF TR BLACKSTONE SENR 78467V608   641,068 15,289 SH   SOLE   0 0 15,289
INNOVATOR ETFS TR INTRNL DEV APRL 45782C367   332,439 13,768 SH   SOLE   0 0 13,768
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   460,398 2,809 SH   SOLE   0 0 2,809
BROADCOM INC COM 11135F101   228,697 275 SH   SOLE   0 0 275
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   15,680,484 208,600 SH   SOLE   0 0 208,600
CINCINNATI FINL CORP COM 172062101   259,323 2,535 SH   SOLE   0 0 2,535
PROCTER AND GAMBLE CO COM 742718109   421,518 2,890 SH   SOLE   0 0 2,890
SPDR INDEX SHS FDS MSCI EAFE STRTGC 78463X434   393,391 5,868 SH   SOLE   0 0 5,868
ISHARES TR RUS MD CP GR ETF 464287481   4,858,454 53,185 SH   SOLE   0 0 53,185
INVESCO EXCH TRADED FD TR II NATL AMT MUNI 46138E537   5,294,312 238,913 SH   SOLE   0 0 238,913
INVESCO EXCH TRADED FD TR II SR LN ETF 46138G508   6,717,456 320,031 SH   SOLE   0 0 320,031
INVESCO EXCH TRADED FD TR II PFD ETF 46138E511   6,899,356 630,078 SH   SOLE   0 0 630,078
SPDR SER TR PRTFLO S&P500 GW 78464A409   1,011,860 17,069 SH   SOLE   0 0 17,069
ISHARES TR SHRT NAT MUN ETF 464288158   2,928,634 28,472 SH   SOLE   0 0 28,472
TJX COS INC NEW COM 872540109   609,175 6,854 SH   SOLE   0 0 6,854
UNITED PARCEL SERVICE INC CL B 911312106   729,054 4,677 SH   SOLE   0 0 4,677
RTX CORPORATION COM 75513E101   247,717 3,442 SH   SOLE   0 0 3,442
SHELL PLC SPON ADS 780259305   299,367 4,650 SH   SOLE   0 0 4,650
AMAZON COM INC COM 023135106   2,749,402 21,628 SH   SOLE   0 0 21,628
CINTAS CORP COM 172908105   494,309 1,028 SH   SOLE   0 0 1,028
SCHWAB STRATEGIC TR US TIPS ETF 808524870   14,678,378 290,719 SH   SOLE   0 0 290,719