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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
ABRDN ETFS BBRG ALL COMD K1 003261104   3,062,849 158,205 SH   SOLE 0 0 0 158,205
ALTRIA GROUP INC COM 02209S103   663,472 16,447 SH   SOLE 0 0 0 16,447
AMAZON COM INC COM 023135106   726,273 4,780 SH   SOLE 0 0 0 4,780
APPLE INC COM 037833100   1,169,462 6,074 SH   SOLE 0 0 0 6,074
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   326,734 916 SH   SOLE 0 0 0 916
CISCO SYSTEMS INC COM 17275R102   1,433,404 28,373 SH   SOLE 0 0 0 28,373
COCA-COLA CO COM 191216100   403,317 6,844 SH   SOLE 0 0 0 6,844
EXXON MOBIL CORP COM 30231G102   405,825 4,059 SH   SOLE 0 0 0 4,059
FIDELITY COVINGTON TRUST MSCI RL EST ETF 316092857   4,573,069 171,597 SH   SOLE 0 0 0 171,597
FRANKLIN TEMPLETON ETF TR FRANKLIN DYN MUN 35473P868   2,924,786 120,560 SH   SOLE 0 0 0 120,560
FRANKLIN TEMPLETON ETF TR SENIOR LOAN ETF 35473P595   2,901,034 119,433 SH   SOLE 0 0 0 119,433
GRANITESHARES ETF TR BBG COMMD K 1 38747R108   3,267,123 168,148 SH   SOLE 0 0 0 168,148
GRANITESHARES GOLD TR SHS BEN INT 38748G101   764,482 37,493 SH   SOLE 0 0 0 37,493
INVESCO EXCH TRADED FD TR II NATL AMT MUNI 46138E537   2,865,678 123,948 SH   SOLE 0 0 0 123,948
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354   6,454,951 103,016 SH   SOLE 0 0 0 103,016
INVESCO EXCH TRADED FD TR II S&P INTL QULTY 46138E214   729,074 25,501 SH   SOLE 0 0 0 25,501
ISHARES TR CORE HIGH DV ETF 46429B663   3,421,663 33,549 SH   SOLE 0 0 0 33,549
ISHARES TR CORE INTL AGGR 46435G672   1,000,208 20,085 SH   SOLE 0 0 0 20,085
ISHARES TR GL CLEAN ENE ETF 464288224   169,106 10,861 SH   SOLE 0 0 0 10,861
ISHARES TR IBOXX INV CP ETF 464287242   1,461,058 13,203 SH   SOLE 0 0 0 13,203
ISHARES INC JPM MRG EM CRP BD 464286251   881,850 19,983 SH   SOLE 0 0 0 19,983
ISHARES TR JPMORGAN USD EMG 464288281   662,063 7,434 SH   SOLE 0 0 0 7,434
ISHARES TR MORNINGSTAR GRWT 464287119   3,904,488 57,571 SH   SOLE 0 0 0 57,571
ISHARES TR MORNINGSTAR VALU 464288109   225,984 3,200 SH   SOLE 0 0 0 3,200
ISHARES TR EAFE GRWTH ETF 464288885   3,086,449 31,868 SH   SOLE 0 0 0 31,868
ISHARES TR EAFE SML CP ETF 464288273   2,064,427 33,351 SH   SOLE 0 0 0 33,351
ISHARES TR EAFE VALUE ETF 464288877   2,205,771 42,337 SH   SOLE 0 0 0 42,337
ISHARES TR RUS 1000 GRW ETF 464287614   1,310,604 4,323 SH   SOLE 0 0 0 4,323
ISHARES TR RUS MID CAP ETF 464287499   399,144 5,135 SH   SOLE 0 0 0 5,135
ISHARES TR RUS MD CP GR ETF 464287481   328,527 3,145 SH   SOLE 0 0 0 3,145
ISHARES TR CORE S&P500 ETF 464287200   440,384 5,559 SH   SOLE 0 0 0 5,559
ISHARES TR S&P MC 400VL ETF 464287705   558,796 4,900 SH   SOLE 0 0 0 4,900
ISHARES TR S&P SML 600 GWT 464287887   2,292,627 18,321 SH   SOLE 0 0 0 18,321
ISHARES TR SELECT DIVID ETF 464287168   277,343 2,366 SH   SOLE 0 0 0 2,366
MICROSOFT CORP COM 594918104   425,677 1,132 SH   SOLE 0 0 0 1,132
MONDELEZ INTL INC CL A 609207105   621,377 8,579 SH   SOLE 0 0 0 8,579
NUSHARES ETF TR NUVEEN ESG LRGCP 67092P201   261,624 3,766 SH   SOLE 0 0 0 3,766
PACER FDS TR PACER US SMALL 69374H857   1,721,543 55,107 SH   SOLE 0 0 0 55,107
PACER FDS TR DEVELOPED MRKT 69374H873   3,718,002 71,514 SH   SOLE 0 0 0 71,514
PACER FDS TR US CASH COWS 100 69374H881   958,487 19,956 SH   SOLE 0 0 0 19,956
PHILIP MORRIS INTERNATIONAL INC COM 718172109   943,058 10,024 SH   SOLE 0 0 0 10,024
PIMCO ETF TR INTER MUN BD ACT 72201R866   203,386 3,852 SH   SOLE 0 0 0 3,852
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   3,785,203 112,221 SH   SOLE 0 0 0 112,221
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   1,254,487 35,956 SH   SOLE 0 0 0 35,956
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   332,753 4,011 SH   SOLE 0 0 0 4,011
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   3,989,882 56,917 SH   SOLE 0 0 0 56,917
SCHWAB STRATEGIC TR FUNDAMENTAL INTL 808524755   216,846 2,879 SH   SOLE 0 0 0 2,879
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109   1,484,020 3,938 SH   SOLE 0 0 0 3,938
SPDR INDEX SHS FDS MSCI EAFE FS ETF 78470E106   285,475 7,318 SH   SOLE 0 0 0 7,318
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   1,051,217 29,687 SH   SOLE 0 0 0 29,687
SPDR SER TR PRTFLO S&P500 GW 78464A409   8,213,028 126,238 SH   SOLE 0 0 0 126,238
SPDR SER TR PRTFLO S&P500 VL 78464A508   5,846,678 125,384 SH   SOLE 0 0 0 125,384
SPDR SER TR PORTFOLIO S&P600 78468R853   322,424 7,644 SH   SOLE 0 0 0 7,644
SPDR SER TR S&P 400 MDCP GRW 78464A821   1,460,658 19,303 SH   SOLE 0 0 0 19,303
SPDR SER TR S&P 400 MDCP VAL 78464A839   902,757 12,302 SH   SOLE 0 0 0 12,302
SPDR SER TR S&P 600 SMCP GRW 78464A201   1,763,987 21,093 SH   SOLE 0 0 0 21,093
SPDR SER TR S&P 600 SMCP VAL 78464A300   1,110,272 13,327 SH   SOLE 0 0 0 13,327
TESLA INC COM 88160R101   345,387 1,390 SH   SOLE 0 0 0 1,390
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100   1,660,631 19,414 SH   SOLE 0 0 0 19,414
VANECK ETF TRUST GOLD MINERS ETF 92189F106   352,088 11,354 SH   SOLE 0 0 0 11,354
VANECK ETF TRUST GREEN BOND ETF 92189F171   226,815 9,518 SH   SOLE 0 0 0 9,518
VANGUARD WHITEHALL FDS EM MK GOV BD ETF 921946885   3,961,460 62,141 SH   SOLE 0 0 0 62,141
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   267,394 4,763 SH   SOLE 0 0 0 4,763
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   626,818 15,251 SH   SOLE 0 0 0 15,251
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676   538,167 12,636 SH   SOLE 0 0 0 12,636
VANGUARD INDEX FDS GROWTH ETF 922908736   530,439 1,706 SH   SOLE 0 0 0 1,706
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810   3,718,270 46,865 SH   SOLE 0 0 0 46,865
VANGUARD WORLD FD MEGA GRWTH IND 921910816   5,176,316 19,947 SH   SOLE 0 0 0 19,947
VANGUARD INDEX FDS MID CAP ETF 922908629   284,775 1,224 SH   SOLE 0 0 0 1,224
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538   2,577,587 11,739 SH   SOLE 0 0 0 11,739
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   2,575,342 17,760 SH   SOLE 0 0 0 17,760
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   1,531,190 17,329 SH   SOLE 0 0 0 17,329
VANGUARD SCOTTSDALE FDS VNG RUS1000GRW 92206C680   7,385,065 94,656 SH   SOLE 0 0 0 94,656
VANGUARD SCOTTSDALE FDS VNG RUS2000GRW 92206C623   873,915 4,761 SH   SOLE 0 0 0 4,761
VANGUARD ADMIRAL FDS INC MIDCP 400 GRTH 921932869   584,960 5,955 SH   SOLE 0 0 0 5,955
VANGUARD ADMIRAL FDS INC MIDCP 400 VAL 921932844   1,316,072 15,096 SH   SOLE 0 0 0 15,096
VANGUARD ADMIRAL FDS INC SMLCP 600 VAL 921932778   2,015,322 22,772 SH   SOLE 0 0 0 22,772
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   2,893,172 37,564 SH   SOLE 0 0 0 37,564
VANGUARD INDEX FDS SMALL CP ETF 922908751   475,271 2,228 SH   SOLE 0 0 0 2,228
VANGUARD INDEX FDS SML CP GRW ETF 922908595   2,200,591 9,102 SH   SOLE 0 0 0 9,102
VANGUARD INDEX FDS SM CP VAL ETF 922908611   2,980,388 16,560 SH   SOLE 0 0 0 16,560
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   3,565,421 69,842 SH   SOLE 0 0 0 69,842
VANGUARD BD INDEX FDS TOTAL BND MKT 921937835   1,320,571 17,955 SH   SOLE 0 0 0 17,955
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   10,070,866 204,008 SH   SOLE 0 0 0 204,008
VANGUARD INDEX FDS TOTAL STK MKT 922908769   247,658 1,044 SH   SOLE 0 0 0 1,044
VULCAN MATLS CO COM 929160109   610,203 2,688 SH   SOLE 0 0 0 2,688
WISDOMTREE TR EM EX ST-OWNED 97717X578   7,828,002 271,053 SH   SOLE 0 0 0 271,053
WISDOMTREE TR US HGH YLD CORP 97717X172   4,128,399 90,894 SH   SOLE 0 0 0 90,894
WISDOMTREE TR YIELD ENHANCD US 97717X511   3,141,223 71,359 SH   SOLE 0 0 0 71,359
DBX ETF TR XTRACK INTL REAL 233051820   775,537 35,445 SH   SOLE 0 0 0 35,445