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
3M CO COM 88579Y101   561,001 4,104 SH   SOLE 0 0 0 4,104
AMAZON COM INC COM 023135106   251,546 1,350 SH   SOLE 0 0 0 1,350
AMERICAN CENTY ETF TR US QUALITY GROW 025072307   890,193 9,776 SH   SOLE 0 0 0 9,776
AMERICAN CENTY ETF TR US SML CP VALU 025072877   1,404,001 14,633 SH   SOLE 0 0 0 14,633
APPLE INC COM 037833100   920,289 3,950 SH   SOLE 0 0 0 3,950
AT&T INC COM 00206R102   407,953 18,543 SH   SOLE 0 0 0 18,543
BLACKROCK ETF TRUST II AAA CLO ETF 092528504   257,987 4,964 SH   SOLE 0 0 0 4,964
BNY MELLON HIGH YIELD STRATE SH BEN INT 09660L105   29,932 11,127 SH   SOLE 0 0 0 11,127
DEERE & CO COM 244199105   236,910 568 SH   SOLE 0 0 0 568
DOW INC COM 260557103   277,113 5,073 SH   SOLE 0 0 0 5,073
FIDELITY COVINGTON TRUST HIGH YILD ETF 316092618   285,762 5,795 SH   SOLE 0 0 0 5,795
INTERNATIONAL BUSINESS MACHS COM 459200101   468,911 2,121 SH   SOLE 0 0 0 2,121
INTERNATIONAL PAPER CO COM 460146103   215,575 4,413 SH   SOLE 0 0 0 4,413
ISHARES TR CORE US AGGBD ET 464287226   8,524,886 84,180 SH   SOLE 0 0 0 84,180
ISHARES TR 1 3 YR TREAS BD 464287457   1,899,914 22,849 SH   SOLE 0 0 0 22,849
ISHARES TR ISHS 5-10YR INVT 464288638   13,906,850 258,877 SH   SOLE 0 0 0 258,877
ISHARES TR 0-5YR HI YL CP 46434V407   7,903,458 182,023 SH   SOLE 0 0 0 182,023
ISHARES TR CORE DIV GRWTH 46434V621   1,600,910 25,537 SH   SOLE 0 0 0 25,537
ISHARES TR MSCI INTL QUALTY 46434V456   367,386 8,855 SH   SOLE 0 0 0 8,855
JPMORGAN CHASE & CO. COM 46625H100   314,538 1,492 SH   SOLE 0 0 0 1,492
LEGG MASON ETF INVT FRANKLIN INTL LW 52468L505   611,785 19,684 SH   SOLE 0 0 0 19,684
OXFORD LANE CAP CORP COM 691543102   71,934 13,728 SH   SOLE 0 0 0 13,728
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   1,703,871 20,157 SH   SOLE 0 0 0 20,157
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   9,764,366 237,460 SH   SOLE 0 0 0 237,460
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109   422,697 999 SH   SOLE 0 0 0 999
SPDR S&P 500 ETF TR TR UNIT 78462F103   8,980,800 15,653 SH   SOLE 0 0 0 15,653
SPDR SER TR BLOOMBERG 1-3 MO 78468R663   6,509,470 70,902 SH   SOLE 0 0 0 70,902
SPDR SER TR PRTFLO S&P500 VL 78464A508   18,846,881 356,543 SH   SOLE 0 0 0 356,543
SPDR SER TR PORTFOLIO INTRMD 78464A375   1,369,723 40,633 SH   SOLE 0 0 0 40,633
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   5,485,538 10,396 SH   SOLE 0 0 0 10,396
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   208,475 4,357 SH   SOLE 0 0 0 4,357
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   268,605 5,447 SH   SOLE 0 0 0 5,447
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   362,401 4,563 SH   SOLE 0 0 0 4,563
VERIZON COMMUNICATIONS INC COM 92343V104   480,676 10,703 SH   SOLE 0 0 0 10,703
WHIRLPOOL CORP COM 963320106   213,209 1,993 SH   SOLE 0 0 0 1,993
XAI OCTAGN FLT RAT & ALT INM COM 98400T106   74,618 10,941 SH   SOLE 0 0 0 10,941