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
ABBVIE INC COM 00287Y109   294,875 1,939 SH   SOLE 0 0 0 1,939
ABRDN GOLD ETF TRUST PHYSCL GOLD SHS 00326A104   864,781 48,420 SH   SOLE 0 0 0 48,420
ADVISORSHARES TR PURE CANNABIS 00768Y495   37,233 10,518 SH   SOLE 0 0 0 10,518
ALTRIA GROUP INC COM 02209S103   901,384 19,081 SH   SOLE 0 0 0 19,081
AMAZON COM INC COM 023135106   294,489 3,017 SH   SOLE 0 0 0 3,017
AMGEN INC COM 031162100   266,750 1,100 SH   SOLE 0 0 0 1,100
APPLE INC COM 037833100   386,404 2,559 SH   SOLE 0 0 0 2,559
ARCHER DANIELS MIDLAND CO COM 039483102   501,491 6,109 SH   SOLE 0 0 0 6,109
AT&T INC COM 00206R102   218,726 11,470 SH   SOLE 0 0 0 11,470
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   236,136 762 SH   SOLE 0 0 0 762
BRISTOL-MYERS SQUIBB CO COM 110122108   212,156 2,938 SH   SOLE 0 0 0 2,938
BRITISH AMERN TOB PLC SPONSORED ADR 110448107   237,147 6,435 SH   SOLE 0 0 0 6,435
BROADMARK RLTY CAP INC COM 11135B100   50,218 11,816 SH   SOLE 0 0 0 11,816
COLGATE PALMOLIVE CO COM 194162103   761,935 10,359 SH   SOLE 0 0 0 10,359
COSTCO WHSL CORP NEW COM 22160K105   251,494 503 SH   SOLE 0 0 0 503
CVS HEALTH CORP COM 126650100   239,974 2,676 SH   SOLE 0 0 0 2,676
ETF MANAGERS TR PRIME CYBR SCRTY 26924G201   1,280,491 27,355 SH   SOLE 0 0 0 27,355
EXCHANGE TRADED CONCEPTS TR ROBO GLB ETF 301505707   1,286,330 24,289 SH   SOLE 0 0 0 24,289
EXXON MOBIL CORP COM 30231G102   773,326 6,489 SH   SOLE 0 0 0 6,489
FIRST TR EXCHANGE TRADED FD CLOUD COMPUTING 33734X192   360,574 5,599 SH   SOLE 0 0 0 5,599
FLEXSHARES TR IBOXX 3R TARGT 33939L506   6,963,193 294,178 SH   SOLE 0 0 0 294,178
GLOBAL MED REIT INC COM NEW 37954A204   124,589 11,462 SH   SOLE 0 0 0 11,462
GRANITESHARES GOLD TR SHS BEN INT 38748G101   5,260,385 284,807 SH   SOLE 0 0 0 284,807
HORIZON TECHNOLOGY FIN CORP COM 44045A102   397,743 32,050 SH   SOLE 0 0 0 32,050
INTEL CORP COM 458140100   286,451 10,304 SH   SOLE 0 0 0 10,304
INVESCO ACTIVELY MANAGED ETF ULTRA SHRT DUR 46090A887   511,848 10,301 SH   SOLE 0 0 0 10,301
INVESCO EXCH TRD SLF IDX FD BULSHS 2025 CB 46138J825   1,659,934 82,134 SH   SOLE 0 0 0 82,134
INVESCO EXCH TRD SLF IDX FD BULSHS 2026 CB 46138J791   292,335 15,350 SH   SOLE 0 0 0 15,350
INVESCO EXCH TRD SLF IDX FD BULSHS 2023 CB 46138J866   2,073,451 98,501 SH   SOLE 0 0 0 98,501
INVESCO EXCH TRD SLF IDX FD BULSHS 2024 CB 46138J841   1,852,228 90,089 SH   SOLE 0 0 0 90,089
INVESCO QQQ TR UNIT SER 1 46090E103   784,859 2,619 SH   SOLE 0 0 0 2,619
ISHARES GOLD TR ISHARES NEW 464285204   1,277,364 36,135 SH   SOLE 0 0 0 36,135
ISHARES INC MSCI FRONTIER 464286145   468,414 18,340 SH   SOLE 0 0 0 18,340
ISHARES INC CORE MSCI EMKT 46434G103   422,503 8,523 SH   SOLE 0 0 0 8,523
ISHARES TR CORE MSCI EAFE 46432F842   328,670 4,964 SH   SOLE 0 0 0 4,964
ISHARES TR CORE TOTAL USD 46434V613   525,018 11,514 SH   SOLE 0 0 0 11,514
ISHARES TR MSCI USA MIN VOL 46429B697   5,195,016 71,468 SH   SOLE 0 0 0 71,468
ISHARES TR FLTG RATE NT ETF 46429B655   3,483,596 68,846 SH   SOLE 0 0 0 68,846
ISHARES TR PFD AND INCM SEC 464288687   397,486 12,085 SH   SOLE 0 0 0 12,085
ISHARES TR CORE S&P MCP ETF 464287507   9,554,343 36,312 SH   SOLE 0 0 0 36,312
ISHARES TR CORE S&P SCP ETF 464287804   4,133,814 39,890 SH   SOLE 0 0 0 39,890
ISHARES TR CORE S&P500 ETF 464287200   22,677,422 55,316 SH   SOLE 0 0 0 55,316
ISHARES TR 1 3 YR TREAS BD 464287457   787,859 9,698 SH   SOLE 0 0 0 9,698
ISHARES TR 7-10 YR TRSY BD 464287440   2,053,961 21,184 SH   SOLE 0 0 0 21,184
ISHARES U S ETF TR BLACKROCK ST MAT 46431W507   439,594 8,874 SH   SOLE 0 0 0 8,874
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   317,744 6,325 SH   SOLE 0 0 0 6,325
JOHNSON & JOHNSON COM 478160104   233,265 1,439 SH   SOLE 0 0 0 1,439
KRAFT HEINZ CO COM 500754106   366,770 9,255 SH   SOLE 0 0 0 9,255
MCDONALDS CORP COM 580135101   673,397 2,566 SH   SOLE 0 0 0 2,566
MERCK & CO INC COM 58933Y105   418,863 3,858 SH   SOLE 0 0 0 3,858
MICROSOFT CORP COM 594918104   590,152 2,243 SH   SOLE 0 0 0 2,243
NVIDIA CORPORATION COM 67066G104   585,107 2,752 SH   SOLE 0 0 0 2,752
OREILLY AUTOMOTIVE INC COM 67103H107   745,264 903 SH   SOLE 0 0 0 903
PEPSICO INC COM 713448108   597,257 3,390 SH   SOLE 0 0 0 3,390
PHILIP MORRIS INTL INC COM 718172109   481,270 4,702 SH   SOLE 0 0 0 4,702
PIMCO ETF TR ENHAN SHRT MA AC 72201R833   4,254,667 42,842 SH   SOLE 0 0 0 42,842
PROCTER AND GAMBLE CO COM 742718109   269,932 1,952 SH   SOLE 0 0 0 1,952
REPUBLIC SVCS INC COM 760759100   205,388 1,613 SH   SOLE 0 0 0 1,613
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   585,374 16,865 SH   SOLE 0 0 0 16,865
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   5,160,796 106,871 SH   SOLE 0 0 0 106,871
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   547,023 12,301 SH   SOLE 0 0 0 12,301
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   434,086 6,346 SH   SOLE 0 0 0 6,346
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   236,950 9,505 SH   SOLE 0 0 0 9,505
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   1,517,722 21,260 SH   SOLE 0 0 0 21,260
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   5,035,448 104,297 SH   SOLE 0 0 0 104,297
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854   244,876 4,945 SH   SOLE 0 0 0 4,945
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   3,737,131 80,646 SH   SOLE 0 0 0 80,646
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   559,189 7,281 SH   SOLE 0 0 0 7,281
SELECT SECTOR SPDR TR ENERGY 81369Y506   282,015 3,126 SH   SOLE 0 0 0 3,126
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308   346,971 4,755 SH   SOLE 0 0 0 4,755
SHELL PLC SPON ADS 780259305   624,052 10,104 SH   SOLE 0 0 0 10,104
SPDR GOLD TR GOLD SHS 78463V107   272,869 1,574 SH   SOLE 0 0 0 1,574
SPDR SER TR PORTFOLIO S&P400 78464A847   251,464 5,437 SH   SOLE 0 0 0 5,437
SPDR SER TR BLOOMBERG SHT TE 78468R408   315,538 12,775 SH   SOLE 0 0 0 12,775
SPDR SER TR PORTFOLIO S&P500 78464A854   478,530 9,976 SH   SOLE 0 0 0 9,976
TESLA INC COM 88160R101   479,033 2,433 SH   SOLE 0 0 0 2,433
VANGUARD INDEX FDS MID CAP ETF 922908629   773,981 3,523 SH   SOLE 0 0 0 3,523
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   414,378 4,606 SH   SOLE 0 0 0 4,606
VANGUARD INDEX FDS LARGE CAP ETF 922908637   431,520 2,319 SH   SOLE 0 0 0 2,319
VANGUARD INDEX FDS TOTAL STK MKT 922908769   1,200,083 5,854 SH   SOLE 0 0 0 5,854
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   516,268 12,570 SH   SOLE 0 0 0 12,570
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   708,876 15,095 SH   SOLE 0 0 0 15,095
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706   302,934 5,147 SH   SOLE 0 0 0 5,147
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   381,325 2,454 SH   SOLE 0 0 0 2,454
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   6,579,179 145,525 SH   SOLE 0 0 0 145,525
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   571,376 5,191 SH   SOLE 0 0 0 5,191
VERIZON COMMUNICATIONS INC COM 92343V104   265,201 6,628 SH   SOLE 0 0 0 6,628
WALMART INC COM 931142103   227,467 1,583 SH   SOLE 0 0 0 1,583
WASTE MGMT INC DEL COM 94106L109   231,497 1,503 SH   SOLE 0 0 0 1,503
WILLIAMS COS INC COM 969457100   780,583 24,531 SH   SOLE 0 0 0 24,531
WISDOMTREE TR EM EX ST-OWNED 97717X578   3,648,269 128,460 SH   SOLE 0 0 0 128,460
YUM BRANDS INC COM 988498101   610,027 4,646 SH   SOLE 0 0 0 4,646