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
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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
ABRDN ETFS BBRG ALL COMD K1 003261104   640,786 31,785 SH   SOLE   0 0 31,785
BANK AMERICA CORP COM 060505104   944,446 32,919 SH   SOLE   0 0 32,919
BLACKROCK INCOME TR INC COM NEW 09247F209   408,729 33,585 SH   SOLE   0 0 33,585
BLACKROCK CORE BD TR SHS BEN INT 09249E101   220,977 20,769 SH   SOLE   0 0 20,769
BLACKROCK CORPOR HI YLD FD I COM 09255P107   425,138 47,661 SH   SOLE   0 0 47,661
BLACKROCK MULTI SECTOR INC T COM 09258A107   634,342 44,144 SH   SOLE   0 0 44,144
CITIZENS FINL GROUP INC COM 174610105   811,140 31,102 SH   SOLE   0 0 31,102
DOUBLELINE INCOME SOLUTIONS COM 258622109   619,898 52,049 SH   SOLE   0 0 52,049
EDWARDS LIFESCIENCES CORP COM 28176E108   968,486 10,267 SH   SOLE   0 0 10,267
FIFTH THIRD BANCORP COM 316773100   912,370 34,810 SH   SOLE   0 0 34,810
FIRST TR EXCHANGE-TRADED FD FIRST TR TA HIYL 33738D408   547,641 13,819 SH   SOLE   0 0 13,819
FORTINET INC COM 34959E109   1,050,474 13,897 SH   SOLE   0 0 13,897
HUNTINGTON BANCSHARES INC COM 446150104   883,895 81,994 SH   SOLE   0 0 81,994
INCYTE CORP COM 45337C102   773,830 12,431 SH   SOLE   0 0 12,431
INVESCO QQQ TR UNIT SER 1 46090E103   3,759,587 10,177 SH   SOLE   0 0 10,177
INVESCO EXCH TRADED FD TR II NASDAQ 100 ETF 46138G649   6,140,448 40,403 SH   SOLE   0 0 40,403
INVESCO EXCH TRD SLF IDX FD BULSHS 2027 CB 46138J783   222,028 11,670 SH   SOLE   0 0 11,670
INVESCO EXCH TRD SLF IDX FD BULSHS 2025 CB 46138J825   223,302 11,093 SH   SOLE   0 0 11,093
ISHARES TR S&P 500 GRWT ETF 464287309   5,565,101 78,960 SH   SOLE   0 0 78,960
ISHARES TR S&P MC 400GR ETF 464287606   5,569,125 74,255 SH   SOLE   0 0 74,255
ISHARES TR U.S. BAS MTL ETF 464287838   5,606,594 42,139 SH   SOLE   0 0 42,139
ISHARES TR IBOXX HI YD ETF 464288513   1,511,332 20,132 SH   SOLE   0 0 20,132
ISHARES TR CORE MSCI EAFE 46432F842   5,573,408 82,569 SH   SOLE   0 0 82,569
ISHARES INC CORE MSCI EMKT 46434G103   5,354,077 108,624 SH   SOLE   0 0 108,624
ISHARES TR ESG AWARE MSCI 46435U663   411,783 11,593 SH   SOLE   0 0 11,593
ISHARES TR ESG MSCI USA ETF 46436E767   1,103,845 30,705 SH   SOLE   0 0 30,705
PIMCO DYNAMIC INCOME FD SHS 72201Y101   430,744 22,973 SH   SOLE   0 0 22,973
REGIONS FINANCIAL CORP NEW COM 7591EP100   883,177 49,561 SH   SOLE   0 0 49,561
SPDR S&P 500 ETF TR TR UNIT 78462F103   11,739,828 26,484 SH   SOLE   0 0 26,484
SCHWAB STRATEGIC TR US REIT ETF 808524847   738,254 37,801 SH   SOLE   0 0 37,801
STATE STR CORP COM 857477103   872,525 11,923 SH   SOLE   0 0 11,923
VANGUARD ADMIRAL FDS INC 500 VAL IDX FD 921932703   7,728,481 49,637 SH   SOLE   0 0 49,637
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   1,420,455 19,541 SH   SOLE   0 0 19,541
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   1,401,982 25,767 SH   SOLE   0 0 25,767
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   968,524 12,801 SH   SOLE   0 0 12,801
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706   618,986 10,552 SH   SOLE   0 0 10,552
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   1,460,657 18,482 SH   SOLE   0 0 18,482
VANGUARD INDEX FDS SMALL CP ETF 922908751   3,472,421 17,459 SH   SOLE   0 0 17,459
VANGUARD INDEX FDS TOTAL STK MKT 922908769   4,867,527 22,097 SH   SOLE   0 0 22,097
WELLS FARGO CO NEW COM 949746101   1,030,978 24,156 SH   SOLE   0 0 24,156