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
WISDOMTREE TR CURRNCY INT EQ 97717X263   3,881,341 113,956 SH   SOLE   0 0 113,956
ISHARES TR TRS FLT RT BD 46434V860   2,501,338 49,375 SH   SOLE   0 0 49,375
ISHARES TR TIPS BD ETF 464287176   1,949,910 18,261 SH   SOLE   0 0 18,261
JANUS DETROIT STR TR HENDRSN SHRT ETF 47103U886   5,184,072 106,800 SH   SOLE   0 0 106,800
WISDOMTREE TR INTL QULTY DIV 97717X131   227,696 6,139 SH   SOLE   0 0 6,139
JOHN HANCOCK EXCHANGE TRADED MULTI INTL ETF 47804J859   2,712,322 81,329 SH   SOLE   0 0 81,329
ISHARES TR US INFRASTRUC 46435U713   425,496 10,102 SH   SOLE   0 0 10,102
GRAHAM CORP COM 384556106   2,039,516 72,426 SH   SOLE   0 0 72,426
ISHARES INC MSCI EMRG CHN 46434G764   1,517,651 25,636 SH   SOLE   0 0 25,636
ALPS ETF TR ALERIAN MLP 00162Q452   2,253,573 46,969 SH   SOLE   0 0 46,969
VANGUARD WORLD FD CONSUM STP ETF 92204A207   2,635,329 12,980 SH   SOLE   0 0 12,980
VANGUARD WORLD FD INF TECH ETF 92204A702   1,169,901 2,029 SH   SOLE   0 0 2,029
BLACKROCK ETF TRUST US EQT FACTOR 09290C103   4,560,362 97,153 SH   SOLE   0 0 97,153
ISHARES TR EAFE GRWTH ETF 464288885   2,698,674 26,380 SH   SOLE   0 0 26,380
SCHWAB STRATEGIC TR 5 10YR CORP BD 808524698   2,386,472 54,115 SH   SOLE   0 0 54,115
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   11,438,119 250,946 SH   SOLE   0 0 250,946
ISHARES TR EAFE VALUE ETF 464288877   2,510,330 47,329 SH   SOLE   0 0 47,329
ISHARES TR US TREAS BD ETF 46429B267   2,979,872 132,028 SH   SOLE   0 0 132,028
WISDOMTREE TR US SMALLCAP DIVD 97717W604   1,567,935 50,335 SH   SOLE   0 0 50,335
LOOP MEDIA INC COM NEW 54352F206   1,281 12,683 SH   SOLE   0 0 12,683
ISHARES TR GNMA BOND ETF 46429B333   650,443 15,102 SH   SOLE   0 0 15,102
WISDOMTREE TR US TOTAL DIVIDND 97717W109   4,478,998 63,235 SH   SOLE   0 0 63,235
WISDOMTREE TR INTL SMCAP DIV 97717W760   1,530,300 24,122 SH   SOLE   0 0 24,122
PEAKSTONE REALTY TRUST COMMON SHARES 39818P799   222,695 21,009 SH   SOLE   0 0 21,009
ISHARES INC CORE MSCI EMKT 46434G103   670,463 12,525 SH   SOLE   0 0 12,525
BLACKROCK ETF TRUST II FLEXIBLE INCOME 092528603   2,727,032 52,242 SH   SOLE   0 0 52,242
WISDOMTREE TR US QTLY DIV GRT 97717X669   5,209,994 66,752 SH   SOLE   0 0 66,752
WISDOMTREE TR US HIGH DIVIDEND 97717W208   2,970,885 35,121 SH   SOLE   0 0 35,121
VANGUARD BD INDEX FDS INTERMED TERM 921937819   1,069,205 14,277 SH   SOLE   0 0 14,277
WISDOMTREE TR US MIDCAP DIVID 97717W505   1,494,442 31,953 SH   SOLE   0 0 31,953
ISHARES TR MSCI USA QLT FCT 46432F339   5,072,426 29,705 SH   SOLE   0 0 29,705
ISHARES TR U.S. TECH ETF 464287721   2,287,600 15,200 SH   SOLE   0 0 15,200
ISHARES TR S&P 500 VAL ETF 464287408   2,440,390 13,408 SH   SOLE   0 0 13,408
ISHARES TR S&P 500 GRWT ETF 464287309   3,786,737 40,920 SH   SOLE   0 0 40,920
ISHARES TR MBS ETF 464288588   7,148,877 77,866 SH   SOLE   0 0 77,866
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   4,779,106 40,296 SH   SOLE   0 0 40,296
ISHARES TR HDG MSCI EAFE 46434V803   1,281,509 36,043 SH   SOLE   0 0 36,043
VANGUARD WORLD FD UTILITIES ETF 92204A876   3,805,390 25,726 SH   SOLE   0 0 25,726
WISDOMTREE TR EMER MKT HIGH FD 97717W315   1,575,748 36,383 SH   SOLE   0 0 36,383
ISHARES TR 20 YR TR BD ETF 464287432   2,969,634 32,356 SH   SOLE   0 0 32,356
SPDR SER TR PORTFOLIO S&P500 78464A854   16,371,456 255,804 SH   SOLE   0 0 255,804
ISHARES TR CORE TOTAL USD 46434V613   10,917,917 241,440 SH   SOLE   0 0 241,440
WISDOMTREE TR EMG MKTS SMCAP 97717W281   1,556,729 30,263 SH   SOLE   0 0 30,263
ISHARES TR GLOBAL ENERG ETF 464287341   400,862 9,657 SH   SOLE   0 0 9,657
ISHARES TR JPMORGAN USD EMG 464288281   1,948,772 22,025 SH   SOLE   0 0 22,025
ISHARES TR CONV BD ETF 46435G102   1,488,151 18,926 SH   SOLE   0 0 18,926