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
AT&T INC COM 00206R102   238,931 14,980 SH   SOLE 0 0 0 14,980
CION INVT CORP COM 17259U204   201,107 19,374 SH   SOLE 0 0 0 19,374
DBX ETF TR XTRACKERS HIGH 233051259   210,035 5,293 SH   SOLE 0 0 0 5,293
FIRST TR EXCH TRADED FD III SHRT DUR MNG MUN 33739P830   1,584,648 80,276 SH   SOLE 0 0 0 80,276
FIRST TR EXCHNG TRADED FD VI CBOE VEST US EQT 33740F722   504,656 12,178 SH   SOLE 0 0 0 12,178
GLOBAL X FDS SUPERDIVIDEND 37960A669   519,475 23,006 SH   SOLE 0 0 0 23,006
GOLDMAN SACHS ETF TR ACES ULTRA SHR 381430230   214,121 4,291 SH   SOLE 0 0 0 4,291
INDEXIQ ACTIVE ETF TR IQ MACKAY INTRME 45409F827   883,854 36,283 SH   SOLE 0 0 0 36,283
INVESCO EXCHANGE TRADED FD T S&P MDCP QUALITY 46137V472   1,183,209 14,660 SH   SOLE 0 0 0 14,660
ISHARES INC MSCI GERMANY ETF 464286806   263,358 9,218 SH   SOLE 0 0 0 9,218
ISHARES INC CORE MSCI EMKT 46434G103   6,311,782 128,054 SH   SOLE 0 0 0 128,054
ISHARES TR CORE MSCI TOTAL 46432F834   5,146,237 82,182 SH   SOLE 0 0 0 82,182
ISHARES TR CORE MSCI EAFE 46432F842   3,278,610 48,572 SH   SOLE 0 0 0 48,572
ISHARES TR MSCI USA MIN VOL 46429B697   2,738,763 36,846 SH   SOLE 0 0 0 36,846
ISHARES TR US TREAS BD ETF 46429B267   3,936,693 171,908 SH   SOLE 0 0 0 171,908
ISHARES TR CORE TOTAL USD 46434V613   7,704,937 169,451 SH   SOLE 0 0 0 169,451
ISHARES TR IBONDS DEC23 ETF 46434VAX8   606,429 23,979 SH   SOLE 0 0 0 23,979
ISHARES TR IBONDS DEC25 ETF 46434VBD1   337,078 13,826 SH   SOLE 0 0 0 13,826
ISHARES TR IBONDS DEC24 ETF 46434VBG4   821,249 33,357 SH   SOLE 0 0 0 33,357
ISHARES TR FALN ANGLS USD 46435G474   226,985 8,947 SH   SOLE 0 0 0 8,947
ISHARES TR ESG AWR MSCI USA 46435G425   6,241,826 64,045 SH   SOLE 0 0 0 64,045
ISHARES TR MBS ETF 464288588   5,393,609 57,831 SH   SOLE 0 0 0 57,831
ISHARES TR NATIONAL MUN ETF 464288414   496,935 4,656 SH   SOLE 0 0 0 4,656
ISHARES TR JPMORGAN USD EMG 464288281   648,790 7,497 SH   SOLE 0 0 0 7,497
ISHARES TR SHRT NAT MUN ETF 464288158   1,408,910 13,542 SH   SOLE 0 0 0 13,542
ISHARES TR MSCI CHINA ETF 46429B671   300,608 6,719 SH   SOLE 0 0 0 6,719
ISHARES TR U.S. TECH ETF 464287721   4,500,359 41,337 SH   SOLE 0 0 0 41,337
ISHARES TR CORE S&P MCP ETF 464287507   214,414 820 SH   SOLE 0 0 0 820
ISHARES TR CORE S&P SCP ETF 464287804   1,113,389 11,173 SH   SOLE 0 0 0 11,173
ISHARES TR CORE S&P500 ETF 464287200   47,991,379 107,674 SH   SOLE 0 0 0 107,674
ISHARES TR CORE S&P US VLU 464287663   407,813 5,211 SH   SOLE 0 0 0 5,211
ISHARES TR SHORT TREAS BD 464288679   19,410,593 175,741 SH   SOLE 0 0 0 175,741
ISHARES TR USD INV GRDE ETF 464288620   2,199,101 43,903 SH   SOLE 0 0 0 43,903
ISHARES TR ISHS 1-5YR INVS 464288646   400,156 7,976 SH   SOLE 0 0 0 7,976
ISHARES TR 10-20 YR TRS ETF 464288653   1,998,402 18,041 SH   SOLE 0 0 0 18,041
ISHARES TR EAFE VALUE ETF 464288877   6,024,710 123,104 SH   SOLE 0 0 0 123,104
ISHARES TR EAFE GRWTH ETF 464288885   8,611,611 90,259 SH   SOLE 0 0 0 90,259
ISHARES TR MSCI UK ETF NEW 46435G334   353,391 10,924 SH   SOLE 0 0 0 10,924
ISHARES TR 1 3 YR TREAS BD 464287457   1,342,847 16,562 SH   SOLE 0 0 0 16,562
ISHARES TR 20 YR TR BD ETF 464287432   290,291 2,820 SH   SOLE 0 0 0 2,820
ISHARES TR CORE US AGGBD ET 464287226   395,326 4,036 SH   SOLE 0 0 0 4,036
ISHARES TR TIPS BD ETF 464287176   299,076 2,779 SH   SOLE 0 0 0 2,779
ISHARES TR BROAD USD HIGH 46435U853   226,944 6,429 SH   SOLE 0 0 0 6,429
ISHARES TR MSCI USA QLT FCT 46432F339   10,372,447 76,907 SH   SOLE 0 0 0 76,907
ISHARES TR US INFRASTRUC 46435U713   1,129,412 28,900 SH   SOLE 0 0 0 28,900
ISHARES TR BB RAT CORP BD 46435U473   942,593 21,039 SH   SOLE 0 0 0 21,039
J P MORGAN EXCHANGE TRADED F NASDAQ EQT PREM 46654Q203   619,813 12,814 SH   SOLE 0 0 0 12,814
J P MORGAN EXCHANGE TRADED F BETABULDRS JAPAN 46641Q217   378,871 7,351 SH   SOLE 0 0 0 7,351
J P MORGAN EXCHANGE TRADED F MUNICIPAL ETF 46641Q647   485,825 9,672 SH   SOLE 0 0 0 9,672
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   664,505 13,253 SH   SOLE 0 0 0 13,253
LOCKHEED MARTIN CORP COM 539830109   665,709 1,446 SH   SOLE 0 0 0 1,446
PACER FDS TR PACER US SMALL 69374H857   789,417 19,396 SH   SOLE 0 0 0 19,396
PGIM ETF TR PGIM ULTRA SH BD 69344A107   221,752 4,488 SH   SOLE 0 0 0 4,488
PIMCO ETF TR ENHAN SHRT MA AC 72201R833   1,356,237 13,595 SH   SOLE 0 0 0 13,595
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   219,202 4,561 SH   SOLE 0 0 0 4,561
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730   303,010 11,319 SH   SOLE 0 0 0 11,319
SELECT SECTOR SPDR TR ENERGY 81369Y506   260,718 3,212 SH   SOLE 0 0 0 3,212
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   289,198 8,579 SH   SOLE 0 0 0 8,579
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704   351,795 3,278 SH   SOLE 0 0 0 3,278
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   1,026,991 5,907 SH   SOLE 0 0 0 5,907
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308   379,899 5,122 SH   SOLE 0 0 0 5,122
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   698,691 5,264 SH   SOLE 0 0 0 5,264
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407   423,506 2,494 SH   SOLE 0 0 0 2,494
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852   417,098 6,409 SH   SOLE 0 0 0 6,409
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   2,076,345 63,809 SH   SOLE 0 0 0 63,809
SPDR S&P 500 ETF TR TR UNIT 78462F103   526,173 1,187 SH   SOLE 0 0 0 1,187
SPDR SER TR S&P 600 SMCP VAL 78464A300   273,561 3,544 SH   SOLE 0 0 0 3,544
SPDR SER TR S&P 600 SMCP GRW 78464A201   432,130 5,615 SH   SOLE 0 0 0 5,615
SPDR SER TR PRTFLO S&P500 GW 78464A409   281,622 4,616 SH   SOLE 0 0 0 4,616
SPDR SER TR PRTFLO S&P500 VL 78464A508   512,870 11,872 SH   SOLE 0 0 0 11,872
SPDR SER TR BLOOMBERG 1-3 MO 78468R663   217,246 2,366 SH   SOLE 0 0 0 2,366
SPDR SER TR PORTFOLIO S&P500 78464A854   352,993 6,774 SH   SOLE 0 0 0 6,774
SPDR SER TR S&P 400 MDCP VAL 78464A839   2,113,266 30,725 SH   SOLE 0 0 0 30,725
SPDR SER TR S&P METALS MNG 78464A755   206,939 4,072 SH   SOLE 0 0 0 4,072
SPDR SER TR S&P 400 MDCP GRW 78464A821   1,603,312 22,377 SH   SOLE 0 0 0 22,377
SPDR SER TR PRTFLO S&P500 HI 78468R788   259,708 7,004 SH   SOLE 0 0 0 7,004
SPDR SER TR PORTFOLIO S&P600 78468R853   217,543 5,601 SH   SOLE 0 0 0 5,601
VANECK ETF TRUST MRNGSTR WDE MOAT 92189F643   375,651 4,708 SH   SOLE 0 0 0 4,708
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   258,922 3,562 SH   SOLE 0 0 0 3,562
VANGUARD INDEX FDS VALUE ETF 922908744   405,696 2,855 SH   SOLE 0 0 0 2,855
VANGUARD INDEX FDS MID CAP ETF 922908629   957,036 4,347 SH   SOLE 0 0 0 4,347
VANGUARD INDEX FDS GROWTH ETF 922908736   835,581 2,953 SH   SOLE 0 0 0 2,953
VANGUARD INDEX FDS TOTAL STK MKT 922908769   4,485,341 20,362 SH   SOLE 0 0 0 20,362
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   819,447 2,012 SH   SOLE 0 0 0 2,012
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   417,092 10,253 SH   SOLE 0 0 0 10,253
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   243,175 3,077 SH   SOLE 0 0 0 3,077
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   1,539,318 33,333 SH   SOLE 0 0 0 33,333
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   276,524 2,607 SH   SOLE 0 0 0 2,607
VANGUARD WORLD FDS FINANCIALS ETF 92204A405   307,575 3,786 SH   SOLE 0 0 0 3,786
VANGUARD WORLD FDS CONSUM STP ETF 92204A207   304,314 1,565 SH   SOLE 0 0 0 1,565
VANGUARD WORLD FDS COMM SRVC ETF 92204A884   337,959 3,179 SH   SOLE 0 0 0 3,179
VICTORY PORTFOLIOS II SHORT TRM BD ETF 92647N535   337,810 6,911 SH   SOLE 0 0 0 6,911
WORLD GOLD TR SPDR GLD MINIS 98149E303   1,085,108 28,488 SH   SOLE 0 0 0 28,488