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
ULTA BEAUTY INC COM Stock 90384S303   282,724 577 SH   SOLE 0 577 0 0
FIRST TRUST NASDAQ-100 EQUAL WEIGHTED INDEX FUND ETF 337344105   6,026,829 51,314 SH   SOLE 0 51,314 0 0
INVESCO QQQ TRUST SERIES I ETF 46090E103   415,253 1,014 SH   SOLE 0 1,014 0 0
WISDOMTREE FLOATING RATE TREASURY FUND ETF 97717Y527   10,204,146 203,108 SH   SOLE 0 203,108 0 0
iShares MSCI Int'l Value Factor ETF ETF 46435G409   2,347,779 88,562 SH   SOLE 0 88,562 0 0
TOYOTA MOTOR CORP ADS ADR 892331307   364,009 1,985 SH   SOLE 0 1,985 0 0
ISHARES U.S. ENERGY ETF ETF 464287796   474,864 10,763 SH   SOLE 0 10,763 0 0
INVESCO BULLETSHARES 2025 CORPORATE BOND ETF ETF 46138J825   12,381,535 605,306 SH   SOLE 0 605,306 0 0
ISHARES TREASURY FLOATING RATE BOND ETF ETF 46434V860   1,291,469 25,589 SH   SOLE 0 25,588 0 0
SPDR S&P 500 ETF TRUST ETF 78462F103   536,625 1,129 SH   SOLE 0 1,129 0 0
LAMB WESTON HLDGS INC COM Stock 513272104   338,322 3,130 SH   SOLE 0 3,130 0 0
ISHARES EMERGING MARKETS EQUITY FACTOR ETF ETF 46434G889   1,193,351 27,843 SH   SOLE 0 27,843 0 0
ISHARES TIPS BOND ETF ETF 464287176   428,284 3,984 SH   SOLE 0 3,984 0 0
ISHARES S&P 100 ETF ETF 464287101   6,607,429 29,578 SH   SOLE 0 29,578 0 0
PACER US CASH COWS 100 ETF ETF 69374H881   6,021,846 115,827 SH   SOLE 0 115,827 0 0
CHUBB LIMITED COM Stock H1467J104   254,024 1,124 SH   SOLE 0 1,124 0 0
ISHARES ESG AWARE MSCI USA ETF ETF 46435G425   1,767,797 16,849 SH   SOLE 0 16,849 0 0
PACER US SMALL CAP CASH COWS 100 ETF ETF 69374H857   5,215,338 108,585 SH   SOLE 0 108,585 0 0
COLUMBIA EM CORE EX-CHINA ETF ETF 19762B202   5,268,615 174,054 SH   SOLE 0 174,054 0 0
PIMCO ENHANCED SHORT MATURITY ACTIVE ETF ETF 72201R833   289,291 2,899 SH   SOLE 0 2,899 0 0
ISHARES CORE S&P SMALL CAP ETF ETF 464287804   4,203,980 38,836 SH   SOLE 0 38,835 0 0
ISHARES CORE MSCI INTERNATIONAL DEVELOPED MARKETS ETF ETF 46435G326   7,640,282 120,017 SH   SOLE 0 120,017 0 0
ISHARES U.S. INFRASTRUCTURE ETF ETF 46435U713   668,522 16,601 SH   SOLE 0 16,601 0 0
MICROSOFT CORP COM Stock 594918104   873,165 2,322 SH   SOLE 0 2,322 0 0
ISHARES EUROPE ETF ETF 464287861   1,585,641 29,997 SH   SOLE 0 29,997 0 0
INVESCO BULLETSHARES 2026 CORPORATE BOND ETF ETF 46138J791   18,082,906 936,938 SH   SOLE 0 936,938 0 0
ISHARES MSCI EMERGING MARKETS EX CHINA ETF ETF 46434G764   345,537 6,236 SH   SOLE 0 6,236 0 0
VANGUARD INFORMATION TECHNOLOGY ETF ETF 92204A702   414,788 857 SH   SOLE 0 857 0 0
ARCH CAP GROUP LTD ORD Stock G0450A105   261,802 3,525 SH   SOLE 0 3,525 0 0
VANGUARD S&P 500 ETF ETF 922908363   46,146,633 105,647 SH   SOLE 0 105,647 0 0
Innovator Buffer ETF- June ETF 45782C755   6,317,388 176,974 SH   SOLE 0 176,974 0 0
INVESCO S&P 500 EQUAL WEIGHT ETF ETF 46137V357   1,892,147 11,991 SH   SOLE 0 11,990 0 0
ISHARES ESG MSCI USA LEADERS ETF ETF 46435U218   1,848,597 21,908 SH   SOLE 0 21,908 0 0
JPMORGAN CORE PLUS BOND ETF ETF 46641Q670   14,343,942 304,639 SH   SOLE 0 304,639 0 0
ISHARES 0-5 YEAR TIPS BOND ETF ETF 46429B747   551,118 5,590 SH   SOLE 0 5,590 0 0
ISHARES MSCI EAFE GROWTH ETF ETF 464288885   3,077,021 31,771 SH   SOLE 0 31,771 0 0
PIMCO INVESTMENT GRADE CORPORATE BOND INDEX ETF ETF 72201R817   737,912 7,587 SH   SOLE 0 7,587 0 0
RYANAIR HOLDINGS PLC SPONSORED ADS ADR 783513203   344,202 2,581 SH   SOLE 0 2,581 0 0
Schwab 5-10 Year Corporate Bond ETF ETF 808524698   787,769 17,529 SH   SOLE 0 17,529 0 0
First Trust Buffered S&P 500 ETF 33740F755   17,710,552 666,562 SH   SOLE 0 666,562 0 0
VANGUARD RUSSELL 1000 ETF ETF 92206C730   804,847 3,710 SH   SOLE 0 3,710 0 0
DFA International Core Equity ETF ETF 25434V203   10,718,769 374,259 SH   SOLE 0 374,258 0 0
SCHWAB US AGGREGATE BOND ETF ETF 808524839   9,255,608 198,533 SH   SOLE 0 198,533 0 0
ISHARES MSCI EAFE VALUE ETF ETF 464288877   4,306,794 82,664 SH   SOLE 0 82,664 0 0
SCHWAB US DIVIDEND EQUITY ETF ETF 808524797   231,968 3,047 SH   SOLE 0 3,047 0 0
T. ROWE PRICE U.S. EQUITY RESEARCH ETF ETF 87283Q503   201,302 6,847 SH   SOLE 0 6,847 0 0
ISHARES MSCI USA MIN VOL FACTOR ETF ETF 46429B697   1,059,491 13,578 SH   SOLE 0 13,578 0 0
ISHARES U.S. TREASURY BOND ETF ETF 46429B267   336,449 14,603 SH   SOLE 0 14,602 0 0
JPMORGAN INCOME ETF ETF 46641Q159   4,563,685 100,059 SH   SOLE 0 100,058 0 0
VANECK MORNINGSTAR WIDE MOAT ETF ETF 92189F643   6,837,127 80,560 SH   SOLE 0 80,560 0 0
COCA-COLA EUROPACIFIC PARTNERS SHS Stock G25839104   281,576 4,219 SH   SOLE 0 4,219 0 0
BROADCOM INC COM Stock 11135F101   240,450 215 SH   SOLE 0 215 0 0
ISHARES GNMA BOND ETF ETF 46429B333   1,928,548 43,583 SH   SOLE 0 43,583 0 0
HONDA MOTOR LTD ADR ECH CNV IN 3 ADR 438128308   360,380 11,659 SH   SOLE 0 11,659 0 0
ISHARES CORE MSCI EAFE ETF ETF 46432F842   418,308 5,946 SH   SOLE 0 5,946 0 0
NVIDIA CORPORATION COM Stock 67066G104   292,638 591 SH   SOLE 0 590 0 0
ISHARES SHORT TREASURY BOND ETF ETF 464288679   2,580,346 23,430 SH   SOLE 0 23,430 0 0
NATIONAL GRID PLC SPONSORED ADR NE ADR 636274409   277,195 4,077 SH   SOLE 0 4,077 0 0
ISHARES CORE MSCI EMERGING MARKETS ETF ETF 46434G103   5,741,215 113,508 SH   SOLE 0 113,507 0 0
ROCKWELL AUTOMATION INC COM Stock 773903109   358,604 1,155 SH   SOLE 0 1,155 0 0
WISDOMTREE US QUALITY DIVIDEND GROWTH FUND ETF 97717X669   1,141,909 16,248 SH   SOLE 0 16,248 0 0
VANGUARD INTERMEDIATE-TERM BOND ETF ETF 921937819   2,528,789 33,108 SH   SOLE 0 33,108 0 0
WISDOMTREE U.S. MIDCAP DIVIDEND FUND ETF 97717W505   238,456 5,219 SH   SOLE 0 5,219 0 0
VANGUARD EMERGING MARKETS GOVERNMENT BOND ETF ETF 921946885   312,949 4,909 SH   SOLE 0 4,909 0 0
ISHARES MSCI USA QUALITY FACTOR ETF ETF 46432F339   14,379,999 97,730 SH   SOLE 0 97,730 0 0
ISHARES U.S. TECHNOLOGY ETF ETF 464287721   6,690,909 54,508 SH   SOLE 0 54,508 0 0
PROSHARES S&P 500 DIVIDEND ARISTOCRATS ETF ETF 74348A467   4,163,213 43,731 SH   SOLE 0 43,731 0 0
ISHARES S&P 500 GROWTH ETF ETF 464287309   2,638,491 35,133 SH   SOLE 0 35,133 0 0
ISHARES CORE S&P 500 ETF ETF 464287200   480,014 1,005 SH   SOLE 0 1,004 0 0
METTLER TOLEDO INTERNATIONAL COM Stock 592688105   209,842 173 SH   SOLE 0 173 0 0
FLEX LTD ORD Stock Y2573F102   299,239 9,824 SH   SOLE 0 9,824 0 0
ISHARES GOVERNMENT/CREDIT BOND ETF ETF 464288596   433,442 4,119 SH   SOLE 0 4,119 0 0
ISHARES MBS ETF ETF 464288588   2,846,232 30,253 SH   SOLE 0 30,253 0 0
ISHARES PREFERRED & INCOME SECURITIES ETF ETF 464288687   4,449,254 142,650 SH   SOLE 0 142,650 0 0
ISHARES 10-20 YEAR TREASURY BOND ETF ETF 464288653   528,201 4,879 SH   SOLE 0 4,879 0 0
THERMO FISHER SCIENTIFIC INC COM Stock 883556102   318,474 600 SH   SOLE 0 600 0 0
LOCKHEED MARTIN CORP COM Stock 539830109   472,276 1,042 SH   SOLE 0 1,042 0 0
PAYCOM SOFTWARE INC COM Stock 70432V102   3,096,227 14,978 SH   SOLE 0 14,977 0 0
VANGUARD DIVIDEND APPRECIATION ETF ETF 921908844   4,035,358 23,682 SH   SOLE 0 23,681 0 0
ISHARES CORE U.S. AGGREGATE BOND ETF ETF 464287226   263,013 2,650 SH   SOLE 0 2,650 0 0
ISHARES 20 YEAR TREASURY BOND ETF ETF 464287432   2,661,954 26,921 SH   SOLE 0 26,921 0 0
SPDR PORTFOLIO S&P 500 ETF ETF 78464A854   11,823,293 211,508 SH   SOLE 0 211,507 0 0
ISHARES EXPANDED TECH SECTOR ETF ETF 464287549   318,656 711 SH   SOLE 0 711 0 0
INVESCO BULLETSHARES 2024 CORPORATE BOND ETF ETF 46138J841   13,608,628 651,598 SH   SOLE 0 651,598 0 0
ISHARES CORE TOTAL USD BOND MARKET ETF ETF 46434V613   6,848,699 148,659 SH   SOLE 0 148,658 0 0
GARTNER INC COM Stock 366651107   339,235 752 SH   SOLE 0 752 0 0
FIDELITY TOTAL BOND ETF ETF 316188309   11,474,287 249,224 SH   SOLE 0 249,224 0 0
EXXON MOBIL CORP COM Stock 30231G102   933,213 9,334 SH   SOLE 0 9,334 0 0
ARK INNOVATION ETF ETF 00214Q104   262,374 5,010 SH   SOLE 0 5,010 0 0
ISHARES MSCI INTL QUALITY FACTOR ETF ETF 46434V456   228,177 6,075 SH   SOLE 0 6,075 0 0
TORONTO DOMINION BK ONT COM NEW Stock 891160509   275,281 4,260 SH   SOLE 0 4,260 0 0
ISHARES CORE S&P MID-CAP ETF ETF 464287507   6,789,377 24,497 SH   SOLE 0 24,497 0 0
APPLE INC COM Stock 037833100   428,764 2,227 SH   SOLE 0 2,227 0 0
ISHARES RUSSELL 1000 ETF ETF 464287622   562,023 2,143 SH   SOLE 0 2,143 0 0
SPDR BLOOMBERG 1-3 MONTH T-BILL ETF ETF 78468R663   1,087,541 11,900 SH   SOLE 0 11,900 0 0