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
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309 BBG0078X1341 20,966,685 448,623 SH   SOLE   410,591 0 0
FIRST TR EXCHANGE-TRADED FD MANAGD MUN ETF 33739N108 BBG006H1W526 678,736 13,062 SH   SOLE   14,807 0 0
INVESCO ACTVELY MNGD ETC FD OPTIMUM YIELD 46090F100 BBG007HL81B6 4,825,719 359,333 SH   SOLE   371,081 0 0
INVESCO EXCHANGE TRADED FD T S&P 500 GARP ETF 46137V431 BBG001V28DF5 12,300,746 117,512 SH   SOLE   122,737 0 0
INVESCO EXCHANGE TRADED FD T S&P500 QUALITY 46137V241 BBG001SDTVQ0 14,257,435 215,971 SH   SOLE   206,578 0 0
ISHARES TR 7-10 YR TRSY BD 464287440 BBG001S80936 29,411,316 300,668 SH   SOLE   288,818 0 0
ISHARES TR CORE 1 5 YR USD 46432F859 BBG003HC6JD6 10,026,025 205,971 SH   SOLE   203,085 0 0
ISHARES TR MSCI USA MIN VOL 46429B697 BBG0025X2G81 17,008,791 186,276 SH   SOLE   184,757 0 0
ISHARES TR MSCI USA SMCP MN 46435G433 BBG00DRM2VW7 13,687,569 335,456 SH   SOLE   329,927 0 0
ISHARES TR NATIONAL MUN ETF 464288414 BBG001SZV978 6,969,825 64,121 SH   SOLE   68,218 0 0
ISHARES TR US INFRASTRUC 46435U713 BBG00KHHFPF1 8,068,051 171,767 SH   SOLE   174,755 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 BBG001T5XQY3 6,019,779 149,214 SH   SOLE   136,967 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 BBG0025RWLM4 25,529,324 306,392 SH   SOLE   290,440 0 0
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 BBG001T66WQ7 201,264 2,504 SH   SOLE   2,504 0 0
SCHWAB STRATEGIC TR US REIT ETF 808524847 BBG001V039G2 8,988,649 387,997 SH   SOLE   380,930 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870 BBG001T9F777 565,816 10,550 SH   SOLE   22,277 0 0
SPDR SER TR BBG CONV SEC ETF 78464A359 BBG001T2PMD1 1,968,742 25,699 SH   SOLE   25,133 0 0
SPDR SER TR NUVEEN BLMBRG MU 78468R721 BBG001SRSPW6 526,540 11,243 SH   SOLE   11,237 0 0
SPDR SER TR NUVEEN BLMBRG SH 78468R739 BBG001T083N5 412,359 8,565 SH   SOLE   6,965 0 0
SPDR SER TR NUVEEN BLOOMBERG 78464A284 BBG001V11QG4 1,786,305 67,997 SH   SOLE   76,865 0 0
SPDR SER TR PORTFOLIO S&P400 78464A847 BBG001SPT9T9 3,372,051 61,660 SH   SOLE   63,491 0 0
SPDR SER TR PORTFOLIO S&P600 78468R853 BBG004T58LZ5 1,311,560 28,819 SH   SOLE   28,311 0 0
SPDR SER TR PRTFLO S&P500 GW 78464A409 BBG001SD7RB9 19,182,800 231,244 SH   SOLE   219,541 0 0
SPDR SER TR PRTFLO S&P500 VL 78464A508 BBG001SG4284 1,516,661 28,692 SH   SOLE   27,557 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 BBG001TC6MC1 1,994,114 3,779 SH   SOLE   3,203 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 BBG001SHVR78 1,323,732 7,582 SH   SOLE   6,394 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 BBG009THVRX1 522,293 10,217 SH   SOLE   11,851 0 0
VANGUARD WORLD FD HEALTH CAR ETF 92204A504 BBG001SHVR32 6,590,871 23,355 SH   SOLE   23,572 0 0
WISDOMTREE TR EM EX ST-OWNED 97717X578 BBG007PB9N20 3,072,930 93,068 SH   SOLE   89,911 0 0
WISDOMTREE TR ITL HDG QTLY DIV 97717X594 BBG006G0J5J6 12,639,963 276,618 SH   SOLE   270,270 0 0
WISDOMTREE TR US QTLY DIV GRT 97717X669 BBG004LMH3Z6 13,774,748 165,542 SH   SOLE   166,543 0 0