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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
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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
AMERICAN CENTY ETF TR US EQT ETF 025072885   18,904,523 258,047 SH   SOLE   258,047 0 0
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203   7,428,896 284,523 SH   SOLE   284,523 0 0
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500   5,369,884 102,303 SH   SOLE   102,303 0 0
FIRST TR EXCHANGE TRADED FD CLOUD COMPUTING 33734X192   4,539,190 59,797 SH   SOLE   59,797 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   7,011,388 49,484 SH   SOLE   49,484 0 0
ISHARES TR CORE MSCI EAFE 46432F842   5,659,389 87,947 SH   SOLE   87,947 0 0
ISHARES TR CORE S&P500 ETF 464287200   8,013,164 18,660 SH   SOLE   18,660 0 0
ISHARES TR CORE US AGGBD ET 464287226   11,416,832 121,404 SH   SOLE   121,404 0 0
SPDR SER TR BLOOMBERG 1-3 MO 78468R663   9,389,054 102,255 SH   SOLE   102,255 0 0
SPDR SER TR S&P OILGAS EXP 78468R556   4,602,072 31,114 SH   SOLE   31,114 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   4,373,893 11,138 SH   SOLE   11,138 0 0
WISDOMTREE TR FLOATNG RAT TREA 97717Y527   16,304,183 324,010 SH   SOLE   324,010 0 0
WISDOMTREE TR US QTLY DIV GRT 97717X669   13,753,585 216,626 SH   SOLE   216,626 0 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2024 CB 46138J841   1,115,891 53,986 SH   SOLE   53,986 0 0
ISHARES TR FALN ANGLS USD 46435G474   6,189,981 249,596 SH   SOLE   249,596 0 0
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354   1,020,431 17,357 SH   SOLE   17,357 0 0
ISHARES TR 0-5 YR TIPS ETF 46429B747   874,994 9,028 SH   SOLE   9,028 0 0
ISHARES TR CORE S&P MCP ETF 464287507   1,045,026 4,191 SH   SOLE   4,191 0 0
ISHARES TR CORE S&P SCP ETF 464287804   1,178,276 12,491 SH   SOLE   12,491 0 0
ISHARES GOLD TR ISHARES NEW 464285204   201,892 5,770 SH   SOLE   5,770 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   594,298 8,781 SH   SOLE   8,781 0 0
VANGUARD INDEX FDS VALUE ETF 922908744   2,921,357 21,180 SH   SOLE   21,180 0 0
J P MORGAN EXCHANGE TRADED F BETABUILDERS US 46641Q241   388,605 8,786 SH   SOLE   8,786 0 0
INNOVATOR ETFS TR LADDERED ALC BFR 45783Y756   308,632 12,108 SH   SOLE   12,108 0 0
EA SERIES TRUST ALPHA ARCH 1-3 02072L565   426,436 4,113 SH   SOLE   4,113 0 0
ISHARES TR CORE DIV GRWTH 46434V621   331,455 6,692 SH   SOLE   6,692 0 0
FIRST TR EXCH TRADED FD III SHRT DUR MNG MUN 33739P830   409,392 21,119 SH   SOLE   21,119 0 0
ISHARES TR SELECT DIVID ETF 464287168   337,067 3,131 SH   SOLE   3,131 0 0
ISHARES TR SHRT NAT MUN ETF 464288158   1,003,811 9,759 SH   SOLE   9,759 0 0
ISHARES TR US HLTHCARE ETF 464287762   359,733 1,332 SH   SOLE   1,332 0 0
APPLE INC COM 037833100   322,731 1,885 SH   SOLE   1,885 0 0
JPMORGAN CHASE & CO COM 46625H100   222,751 1,536 SH   SOLE   1,536 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101   247,971 1,767 SH   SOLE   1,767 0 0
MCDONALDS CORP COM 580135101   214,440 814 SH   SOLE   814 0 0
MICROSOFT CORP COM 594918104   1,463,824 4,636 SH   SOLE   4,636 0 0
UNITEDHEALTH GROUP INC COM 91324P102   436,629 866 SH   SOLE   866 0 0
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   421,366 3,273 SH   SOLE   3,273 0 0
ISHARES TR GLB CNS DISC ETF 464288745   273,481 1,866 SH   SOLE   1,866 0 0
ISHARES TR GLOB HLTHCRE ETF 464287325   387,209 4,698 SH   SOLE   4,698 0 0
INNOVATOR ETFS TR US EQT PWR BUF 45782C870   271,021 8,854 SH   SOLE   8,854 0 0
ISHARES TR GLOBAL TECH ETF 464287291   333,158 5,760 SH   SOLE   5,760 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   307,342 1,978 SH   SOLE   1,978 0 0
INNOVATOR ETFS TR US EQTY PWR BUF 45782C748   234,637 7,494 SH   SOLE   7,494 0 0
INNOVATOR ETFS TR US EQTY PWR BUF 45782C318   235,983 7,994 SH   SOLE   7,994 0 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2023 CB 46138J866   362,035 17,053 SH   SOLE   17,053 0 0
LAM RESEARCH CORP COM 512807108   690,074 1,101 SH   SOLE   1,101 0 0