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
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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
DTE ENERGY CO COM 233331107   2,581,099 23,409 SH   SOLE   18,954 0 4,455
EBAY INC. COM 278642103   675,586 15,488 SH   SOLE   14,581 0 907
FIRST TR EXCHANGE TRADED FD CLOUD COMPUTING 33734X192   9,731 111 SH   SOLE   0 0 111
FIRST TR EXCHANGE-TRADED FD EMERGING MKTS 33738R779   1,288,772 24,961 SH   SOLE   500 0 24,461
FORTUNE BRANDS INNOVATIONS I COM 34964C106   1,560,946 20,501 SH   SOLE   19,282 0 1,219
GENERAL DYNAMICS CORP COM 369550108   4,497,271 17,319 SH   SOLE   11,066 0 6,253
GLOBAL X FDS AUTONMOUS EV ETF 37954Y624   7,845 318 SH   SOLE   0 0 318
GLOBAL X FDS US INFR DEV ETF 37954Y673   1,723,543 50,015 SH   SOLE   1,142 0 48,873
GOLDMAN SACHS ETF TR ACCESS INVT GR 381430479   31,341,909 676,781 SH   SOLE   497,144 0 179,637
GOLDMAN SACHS ETF TR ACTIVEBETA US LG 381430503   17,548,909 187,068 SH   SOLE   130,444 0 56,624
INTERPUBLIC GROUP COS INC COM 460690100   2,851,004 87,346 SH   SOLE   66,169 0 21,177
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   38,222,197 242,219 SH   SOLE   169,208 0 73,011
ISHARES TR 10-20 YR TRS ETF 464288653   6,449,018 59,569 SH   SOLE   43,753 0 15,816
ISHARES TR MBS ETF 464288588   21,646,455 230,085 SH   SOLE   168,975 0 61,109
ISHARES TR RUS 1000 VAL ETF 464287598   5,516,892 33,385 SH   SOLE   701 0 32,684
JANUS DETROIT STR TR HENDERSON MTG 47103U852   24,748,231 538,707 SH   SOLE   395,425 0 143,282
KINDER MORGAN INC DEL COM 49456B101   17,640 1,000 SH   SOLE   0 0 1,000
LISTED FD TR CORE ALT FD 53656F847   78,896 2,870 SH   SOLE   0 0 2,870
MONDELEZ INTL INC CL A 609207105   1,478,875 20,418 SH   SOLE   19,199 0 1,219
PROCTER AND GAMBLE CO COM 742718109   1,334,186 9,104 SH   SOLE   7,109 0 1,995
SELECT SECTOR SPDR TR INDL 81369Y704   7,256 63 SH   SOLE   0 0 63
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109   2,659,773 7,057 SH   SOLE   136 0 6,921
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   9,265,342 18,261 SH   SOLE   16,181 0 2,080
SPDR SER TR PORTFLI HIGH YLD 78468R606   2,537,876 108,549 SH   SOLE   2,177 0 106,372
T-MOBILE US INC COM 872590104   726,388 4,530 SH   SOLE   78 0 4,452
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   13,342 151 SH   SOLE   0 0 151
VANGUARD INDEX FDS SMALL CP ETF 922908751   4,693 22 SH   SOLE   0 0 22
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   17,812,134 433,385 SH   SOLE   303,827 0 129,557
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   2,909,502 49,880 SH   SOLE   878 0 49,002
VERIZON COMMUNICATIONS INC COM 92343V104   23,316 618 SH   SOLE   0 0 618
ABRDN PALLADIUM ETF TRUST PHYSICAL PALLADM 003262102   1,863,695 18,436 SH   SOLE   13,115 0 5,321
ABRDN PLATINUM ETF TRUST PHYSCL PLATM SHS 003260106   1,765,131 19,363 SH   SOLE   13,762 0 5,601
ADOBE INC COM 00724F101   14,915 25 SH   SOLE   0 0 25
ALLIANT ENERGY CORP COM 018802108   1,934,190 37,703 SH   SOLE   28,550 0 9,153
CAMBRIA ETF TR GLB MOMENT ETF 132061508   3,148,963 114,549 SH   SOLE   95,407 0 19,142
CHEVRON CORP NEW COM 166764100   2,798,433 18,761 SH   SOLE   14,187 0 4,574
CISCO SYS INC COM 17275R102   3,494,522 69,171 SH   SOLE   56,993 0 12,177
COMCAST CORP NEW CL A 20030N101   2,248,715 51,282 SH   SOLE   28,069 0 23,213
COSTCO WHSL CORP NEW COM 22160K105   174,921 265 SH   SOLE   0 0 265
CULLEN FROST BANKERS INC COM 229899109   35,328 325 SH   SOLE   0 0 325
DISNEY WALT CO COM 254687106   803,761 8,902 SH   SOLE   8,362 0 540
EXXON MOBIL CORP COM 30231G102   2,341,877 23,423 SH   SOLE   17,712 0 5,711
FISERV INC COM 337738108   2,156,657 16,235 SH   SOLE   15,283 0 952
FRANKLIN TEMPLETON ETF TR FTSE JAPAN ETF 35473P744   6,227,439 222,488 SH   SOLE   155,591 0 66,897
GOLDMAN SACHS ETF TR ACCES TREASURY 381430529   4,246,667 42,577 SH   SOLE   30,177 0 12,399
HP INC COM 40434L105   1,044,514 34,713 SH   SOLE   32,605 0 2,108
INVESCO QQQ TR UNIT SER 1 46090E103   1,797,383 4,389 SH   SOLE   4,128 0 261
ISHARES TR 7-10 YR TRSY BD 464287440   7,677,077 79,645 SH   SOLE   58,496 0 21,149
ISHARES TR CORE S&P500 ETF 464287200   21,775,239 45,590 SH   SOLE   23,769 0 21,821
ISHARES TR GRWT ALLOCAT ETF 464289867   46,966 883 SH   SOLE   0 0 883
ISHARES TR MSCI EAFE ETF 464287465   9,078,921 120,490 SH   SOLE   110,934 0 9,556
JOHNSON & JOHNSON COM 478160104   4,211,548 26,869 SH   SOLE   16,644 0 10,225
KENVUE INC COM 49177J102   744,780 34,592 SH   SOLE   600 0 33,992
KEURIG DR PEPPER INC COM 49271V100   1,612,354 48,390 SH   SOLE   36,584 0 11,806
LAM RESEARCH CORP COM 512807108   2,333,331 2,979 SH   SOLE   2,800 0 179
LOWES COS INC COM 548661107   2,294,935 10,312 SH   SOLE   9,697 0 615
MANAGED PORTFOLIO SERIES TORTOISE NRAM PI 56167N720   18,134,963 699,111 SH   SOLE   497,324 0 201,787
MERCK & CO INC COM 58933Y105   4,721,534 43,308 SH   SOLE   19,767 0 23,541
MOLINA HEALTHCARE INC COM 60855R100   726,233 2,010 SH   SOLE   35 0 1,975
MYMD PHARMACEUTICALS INC COM 62856X102   258 1,000 SH   SOLE   0 0 1,000
NOVARTIS AG SPONSORED ADR 66987V109   2,448,926 24,254 SH   SOLE   18,351 0 5,903
SALESFORCE INC COM 79466L302   189,723 721 SH   SOLE   0 0 721
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771   5,017 81 SH   SOLE   0 0 81
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   7,920,990 58,080 SH   SOLE   40,444 0 17,635
SPDR INDEX SHS FDS PORTFLI MSCI GBL 78463X475   24,515 443 SH   SOLE   248 0 195
SPDR INDEX SHS FDS S&P INTL ETF 78463X772   165,762 4,662 SH   SOLE   3,532 0 1,130
TEXAS INSTRS INC COM 882508104   2,127,340 12,480 SH   SOLE   9,445 0 3,035
ABBVIE INC COM 00287Y109   1,771,772 11,433 SH   SOLE   10,760 0 673
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   1,869,297 5,327 SH   SOLE   5,010 0 317
ALPHABET INC CAP STK CL A 02079K305   1,028,118 7,360 SH   SOLE   186 0 7,174
APPLE INC COM 037833100   3,377,111 17,540 SH   SOLE   10,053 0 7,487
BANK AMERICA CORP COM 060505104   1,616,126 47,999 SH   SOLE   45,140 0 2,859
CONOCOPHILLIPS COM 20825C104   1,056,585 9,103 SH   SOLE   8,562 0 541
CORNING INC COM 219350105   1,820,262 59,778 SH   SOLE   45,268 0 14,510
DEERE & CO COM 244199105   308,134 770 SH   SOLE   0 0 770
EOG RES INC COM 26875P101   1,249,446 10,330 SH   SOLE   206 0 10,124
FIRST TR EXCHANGE TRAD FD VI FST TR GLB FD 33739H101   2,042 91 SH   SOLE   0 0 91
FIRST TR EXCHANGE-TRADED FD RBA INDL ETF 33738R704   1,740,704 30,095 SH   SOLE   688 0 29,407
GOLDMAN SACHS ETF TR ACTIVEBETA EME 381430206   14,487,700 472,065 SH   SOLE   330,428 0 141,637
IQVIA HLDGS INC COM 46266C105   2,342,722 10,125 SH   SOLE   9,523 0 602
ISHARES TR 20 YR TR BD ETF 464287432   6,652,520 67,278 SH   SOLE   49,437 0 17,841
ISHARES TR CMBS ETF 46429B366   21,296,439 455,149 SH   SOLE   334,117 0 121,032
ISHARES TR CORE US AGGBD ET 464287226   129,819 1,308 SH   SOLE   1,207 0 101
ISHARES TR S&P 500 GRWT ETF 464287309   5,120,918 68,188 SH   SOLE   64,135 0 4,053
ISHARES TR TIPS BD ETF 464287176   12,796 119 SH   SOLE   0 0 119
ISHARES TR U.S. MED DVC ETF 464288810   51,757 959 SH   SOLE   0 0 959
JPMORGAN CHASE & CO COM 46625H100   7,790,630 45,800 SH   SOLE   24,306 0 21,493
LOCKHEED MARTIN CORP COM 539830109   2,874,448 6,342 SH   SOLE   4,792 0 1,550
OMNICOM GROUP INC COM 681919106   1,968,881 22,759 SH   SOLE   21,407 0 1,352
PFIZER INC COM 717081103   3,106,207 107,891 SH   SOLE   89,645 0 18,246
PHILLIPS 66 COM 718546104   512,861 3,852 SH   SOLE   98 0 3,753
PIMCO ETF TR ENHAN SHRT MA AC 72201R833   21,854 219 SH   SOLE   0 0 219
PUBLIC SVC ENTERPRISE GRP IN COM 744573106   2,108,422 34,479 SH   SOLE   26,104 0 8,375
RESTAURANT BRANDS INTL INC COM 76131D103   1,454,077 18,611 SH   SOLE   17,480 0 1,131
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407   7,874 44 SH   SOLE   0 0 44
SKYWORKS SOLUTIONS INC COM 83088M102   1,445,271 12,856 SH   SOLE   12,087 0 769
SPDR SER TR S&P REGL BKG 78464A698   2,495,978 47,605 SH   SOLE   33,298 0 14,307
TARGET CORP COM 87612E106   1,728,978 12,140 SH   SOLE   9,189 0 2,951
UNITED PARCEL SERVICE INC CL B 911312106   2,223,598 14,142 SH   SOLE   10,696 0 3,446
VALERO ENERGY CORP COM 91913Y100   733,460 5,642 SH   SOLE   5,303 0 339
VANGUARD INDEX FDS GROWTH ETF 922908736   30,466 98 SH   SOLE   0 0 98
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538   11,944,767 54,400 SH   SOLE   37,889 0 16,511
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   17,102,099 117,937 SH   SOLE   82,118 0 35,818
VANGUARD INDEX FDS TOTAL STK MKT 922908769   46,969 198 SH   SOLE   112 0 86
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676   4,434,398 104,118 SH   SOLE   73,935 0 30,182
TRUIST FINL CORP COM 89832Q109   1,610,856 43,631 SH   SOLE   33,075 0 10,556
UNILEVER PLC SPON ADR NEW 904767704   2,227,479 45,946 SH   SOLE   34,286 0 11,660
UNION PAC CORP COM 907818108   1,772,393 7,216 SH   SOLE   6,785 0 431
VANGUARD INDEX FDS VALUE ETF 922908744   20,182 135 SH   SOLE   0 0 135
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   3,105,058 38,201 SH   SOLE   625 0 37,576
WALMART INC COM 931142103   2,755,026 17,475 SH   SOLE   326 0 17,149
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   51,379,328 1,072,637 SH   SOLE   749,039 0 323,598
WHEATON PRECIOUS METALS CORP COM 962879102   2,467 50 SH   SOLE   0 0 50
WISDOMTREE TR US TOTAL DIVIDND 97717W109   2,392,632 36,595 SH   SOLE   27,657 0 8,938
BRISTOL-MYERS SQUIBB CO COM 110122108   1,918,575 37,391 SH   SOLE   27,828 0 9,563
CAPITAL ONE FINL CORP COM 14040H105   853,984 6,513 SH   SOLE   6,122 0 391
CARNIVAL CORP UNIT 99/99/9999 143658300   1,891 102 SH   SOLE   0 0 102
ECOLAB INC COM 278865100   793,201 3,999 SH   SOLE   3,761 0 238
FIRST TR EXCHANGE TRADED FD ENERGY ALPHADX 33734X127   5,607 336 SH   SOLE   0 0 336
FIRST TR EXCHANGE TRADED FD INDXX NEXTG ETF 33737K205   20,333 265 SH   SOLE   0 0 265
FIRST TR EXCHANGE-TRADED FD NO AMER ENERGY 33738D101   8,735,194 315,463 SH   SOLE   224,274 0 91,189
FIRST TR EXCHANGE-TRADED FD SMID RISNG ETF 33741X102   5,578,322 170,226 SH   SOLE   3,609 0 166,617
GILEAD SCIENCES INC COM 375558103   921,893 11,380 SH   SOLE   10,703 0 677
HESS CORP COM 42809H107   1,407,001 9,760 SH   SOLE   9,181 0 579
HONEYWELL INTL INC COM 438516106   1,329,141 6,338 SH   SOLE   5,961 0 377
HUNTINGTON BANCSHARES INC COM 446150104   2,294,649 180,397 SH   SOLE   136,732 0 43,665
INVESCO INDIA EXCHANGE-TRADE INDIA ETF 46137R109   494,660 19,322 SH   SOLE   493 0 18,829
ISHARES SILVER TR ISHARES 46428Q109   1,598,303 73,384 SH   SOLE   51,963 0 21,421
ISHARES TR 1 3 YR TREAS BD 464287457   7,370,519 89,840 SH   SOLE   65,990 0 23,849
ISHARES TR 3 7 YR TREAS BD 464288661   4,525,761 38,638 SH   SOLE   28,372 0 10,266
ISHARES TR AGENCY BOND ETF 464288166   10,465,570 96,516 SH   SOLE   70,883 0 25,632
ISHARES TR MODERT ALLOC ETF 464289875   16,894 407 SH   SOLE   0 0 407
ISHARES TR RUS 1000 GRW ETF 464287614   297,511 981 SH   SOLE   0 0 981
ISHARES TR RUSSELL 2000 ETF 464287655   739,214 3,683 SH   SOLE   2,910 0 773
LYONDELLBASELL INDUSTRIES N SHS - A - N53745100   2,001,013 21,045 SH   SOLE   15,919 0 5,126
MCDONALDS CORP COM 580135101   96,657 325 SH   SOLE   0 0 325
METLIFE INC COM 59156R108   2,309,169 34,918 SH   SOLE   26,465 0 8,453
MICRON TECHNOLOGY INC COM 595112103   1,795,553 21,040 SH   SOLE   19,774 0 1,266
MICROSOFT CORP COM 594918104   1,007,125 2,678 SH   SOLE   68 0 2,610
NORFOLK SOUTHN CORP COM 655844108   11,819 50 SH   SOLE   0 0 50
PRUDENTIAL FINL INC COM 744320102   2,112,468 20,369 SH   SOLE   15,423 0 4,946
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   2,116,650 57,268 SH   SOLE   1,395 0 55,873
SCHWAB STRATEGIC TR US TIPS ETF 808524870   4,515,201 86,498 SH   SOLE   63,523 0 22,974
SELECT SECTOR SPDR TR ENERGY 81369Y506   1,738,082 20,730 SH   SOLE   447 0 20,283
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308   3,673 51 SH   SOLE   0 0 51
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   55,049 286 SH   SOLE   0 0 286
SPDR S&P 500 ETF TR TR UNIT 78462F103   850,329 1,789 SH   SOLE   1,673 0 116
SPDR SER TR PORTFOLIO LN TSR 78464A664   4,490,158 154,726 SH   SOLE   3,094 0 151,632
SSGA ACTIVE TR SPDR DBLELN EMRG 78470P309   2,308,567 55,044 SH   SOLE   40,438 0 14,605
TRAVELERS COMPANIES INC COM 89417E109   3,527,710 18,519 SH   SOLE   15,133 0 3,386
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   8,237 112 SH   SOLE   0 0 112
VANGUARD INDEX FDS MID CAP ETF 922908629   2,791 12 SH   SOLE   0 0 12
VANGUARD INDEX FDS SM CP VAL ETF 922908611   13,886,434 77,159 SH   SOLE   53,844 0 23,314
VANGUARD INDEX FDS SML CP GRW ETF 922908595   8,244,743 34,101 SH   SOLE   23,715 0 10,385