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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hours per response: 23.8
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
ISHARES TR HDG MSCI EAFE 46434V803   4,716,461 135,220 SH   SOLE   135,220 0 0
ISHARES INC MSCI EMRG CHN 46434G764   3,169,839 55,061 SH   SOLE   55,061 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   25,908,870 424,388 SH   SOLE   424,388 0 0
VICTORY PORTFOLIOS II SHORT TRM BD ETF 92647N535   212,973 4,274 SH   SOLE   4,274 0 0
ABRDN GOLD ETF TRUST PHYSCL GOLD SHS 00326A104   6,997,660 329,457 SH   SOLE   329,457 0 0
ABRDN SILVER ETF TRUST PHYSCL SILVR SHS 003264108   602,393 25,300 SH   SOLE   25,300 0 0
DIREXION SHS ETF TR AUSPCE CMD STG 25460E307   2,295,356 81,108 SH   SOLE   81,108 0 0
HARBOR ETF TRUST SCIENTIFIC HIGH 41151J109   2,994,845 65,799 SH   SOLE   65,799 0 0
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354   2,548,658 38,692 SH   SOLE   38,692 0 0
INVESCO EXCH TRADED FD TR II SR LN ETF 46138G508   5,370,974 253,947 SH   SOLE   253,947 0 0
ISHARES TR 1 3 YR TREAS BD 464287457   10,550,107 129,006 SH   SOLE   129,006 0 0
NEOS ETF TRUST NEOS ENH INM CAS 78433H501   12,372,645 248,447 SH   SOLE   248,447 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   1,539,319 39,450 SH   SOLE   39,450 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   1,473,755 18,278 SH   SOLE   18,278 0 0
SPDR SER TR BLOOMBERG SHT TE 78468R408   3,317,935 131,560 SH   SOLE   131,560 0 0
SSGA ACTIVE ETF TR ULT SHT TRM BD 78467V707   7,858,079 194,027 SH   SOLE   194,027 0 0
WISDOMTREE TR US SHT TRM CORP 97717X156   9,119,835 191,216 SH   SOLE   191,216 0 0
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   1,807,442 35,826 SH   SOLE   35,826 0 0
SPDR SER TR BLOOMBERG 1-3 MO 78468R663   1,578,559 17,196 SH   SOLE   17,196 0 0
WISDOMTREE TR FLOATNG RAT TREA 97717Y527   10,751,904 213,798 SH   SOLE   213,798 0 0
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854   1,662,865 33,901 SH   SOLE   33,901 0 0
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   3,416,527 70,868 SH   SOLE   70,868 0 0
SCHWAB STRATEGIC TR US REIT ETF 808524847   1,182,807 58,266 SH   SOLE   58,266 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870   1,198,961 22,986 SH   SOLE   22,986 0 0
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771   1,575,464 34,542 SH   SOLE   34,542 0 0
DBX ETF TR XTRACK MSCI EAFE 233051200   295,801 7,227 SH   SOLE   7,227 0 0
ADOBE INC COM 00724F101   1,936,637 3,838 SH   SOLE   3,838 0 0
ALPHABET INC CAP STK CL C 02079K107   6,899,193 45,312 SH   SOLE   45,312 0 0
AMAZON COM INC COM 023135106   7,562,656 41,926 SH   SOLE   41,926 0 0
APPLE INC COM 037833100   7,981,374 46,544 SH   SOLE   46,544 0 0
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308   4,590,833 60,121 SH   SOLE   60,121 0 0
COSTCO WHSL CORP NEW COM 22160K105   3,454,729 4,716 SH   SOLE   4,716 0 0
EXPEDIA GROUP INC COM NEW 30212P303   1,201,636 8,723 SH   SOLE   8,723 0 0
FEDEX CORP COM 31428X106   2,411,522 8,300 SH   SOLE   8,300 0 0
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   3,809,282 90,439 SH   SOLE   90,439 0 0
GLOBAL X FDS RBTCS ARTFL INTE 37954Y715   1,778,605 55,913 SH   SOLE   55,913 0 0
GLOBAL X FDS US INFR DEV ETF 37954Y673   2,273,744 57,115 SH   SOLE   57,115 0 0
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   5,087,881 34,440 SH   SOLE   34,440 0 0
INTUIT COM 461202103   2,149,925 3,308 SH   SOLE   3,308 0 0
INVESCO EXCHANGE TRADED FD T AEROSPACE DEFN 46137V100   3,801,922 37,432 SH   SOLE   37,432 0 0
JPMORGAN CHASE & CO COM 46625H100   3,777,962 18,862 SH   SOLE   18,862 0 0
LOWES COS INC COM 548661107   2,174,906 8,538 SH   SOLE   8,538 0 0
LULULEMON ATHLETICA INC COM 550021109   991,662 2,538 SH   SOLE   2,538 0 0
MASTERCARD INCORPORATED CL A 57636Q104   3,564,138 7,401 SH   SOLE   7,401 0 0
MCDONALDS CORP COM 580135101   2,174,679 7,713 SH   SOLE   7,713 0 0
META PLATFORMS INC CL A 30303M102   3,554,577 7,320 SH   SOLE   7,320 0 0
MICROSOFT CORP COM 594918104   8,964,241 21,307 SH   SOLE   21,307 0 0
NETFLIX INC COM 64110L106   2,202,436 3,626 SH   SOLE   3,626 0 0
NIKE INC CL B 654106103   1,129,572 11,993 SH   SOLE   11,993 0 0
STARBUCKS CORP COM 855244109   1,183,307 12,948 SH   SOLE   12,948 0 0
T-MOBILE US INC COM 872590104   1,277,927 7,829 SH   SOLE   7,829 0 0
TESLA INC COM 88160R101   3,604,369 20,504 SH   SOLE   20,504 0 0
HOME DEPOT INC COM 437076102   3,319,301 8,653 SH   SOLE   8,653 0 0
DISNEY WALT CO COM 254687106   2,130,023 17,408 SH   SOLE   17,408 0 0
UBER TECHNOLOGIES INC COM 90353T100   1,289,405 16,748 SH   SOLE   16,748 0 0
UNITED PARCEL SERVICE INC CL B 911312106   1,995,166 13,424 SH   SOLE   13,424 0 0
VANECK ETF TRUST OIL SERVICES ETF 92189H607   2,271,481 6,754 SH   SOLE   6,754 0 0
VANECK ETF TRUST PHARMACEUTCL ETF 92189F692   3,697,045 40,761 SH   SOLE   40,761 0 0
VANECK ETF TRUST SEMICONDUCTR ETF 92189F676   5,953,675 26,462 SH   SOLE   26,462 0 0
VERIZON COMMUNICATIONS INC COM 92343V104   1,355,035 32,293 SH   SOLE   32,293 0 0
VISA INC COM CL A 92826C839   3,414,334 12,234 SH   SOLE   12,234 0 0
WALMART INC COM 931142103   3,268,593 54,199 SH   SOLE   54,199 0 0
WASTE MGMT INC DEL COM 94106L109   2,263,508 10,619 SH   SOLE   10,619 0 0
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852   747,434 9,153 SH   SOLE   9,153 0 0
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407   712,942 3,877 SH   SOLE   3,877 0 0
INVESCO QQQ TR UNIT SER 1 46090E103   1,677,945 3,776 SH   SOLE   3,776 0 0
INVESCO EXCHANGE TRADED FD T S&P500 QUALITY 46137V241   1,514,488 25,066 SH   SOLE   25,066 0 0
INVESCO EXCH TRADED FD TR II S&P INTL QULTY 46138E214   1,330,894 43,394 SH   SOLE   43,394 0 0
ISHARES TR MSCI USA MIN VOL 46429B697   2,148,257 25,703 SH   SOLE   25,703 0 0
ISHARES TR MSCI USA QLT FCT 46432F339   1,479,150 9,000 SH   SOLE   9,000 0 0
ISHARES TR U.S. TECH ETF 464287721   513,903 3,805 SH   SOLE   3,805 0 0
PROSHARES TR RUSS 2000 DIVD 74347B698   672,531 10,506 SH   SOLE   10,506 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   1,102,998 5,296 SH   SOLE   5,296 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629   976,953 3,910 SH   SOLE   3,910 0 0
ISHARES TR ESG AW MSCI EAFE 46435G516   616,665 7,717 SH   SOLE   7,717 0 0
ISHARES INC ESG AWR MSCI EM 46434G863   309,279 9,596 SH   SOLE   9,596 0 0
ISHARES TR ESG AWR MSCI USA 46435G425   3,421,669 29,764 SH   SOLE   29,764 0 0
FIRST TR EXCHANGE-TRADED FD NASD TECH DIV 33738R118   235,206 3,376 SH   SOLE   3,376 0 0
ISHARES U S ETF TR BLOOMBERG ROLL 46431W598   456,590 9,522 SH   SOLE   9,522 0 0
MERCADOLIBRE INC COM 58733R102   511,042 338 SH   SOLE   338 0 0
NVIDIA CORPORATION COM 67066G104   370,541 410 SH   SOLE   410 0 0
SHOPIFY INC CL A 82509L107   230,275 2,984 SH   SOLE   2,984 0 0
ISHARES TR BLACKROCK ULTRA 46434V878   2,509,575 49,636 SH   SOLE   49,636 0 0
ISHARES TR CORE S&P500 ETF 464287200   793,327 1,509 SH   SOLE   1,509 0 0
GAMCO GLOBAL GOLD NAT RES & COM SH BEN INT 36465A109   95,741 24,803 SH   SOLE   24,803 0 0
ELI LILLY & CO COM 532457108   712,611 916 SH   SOLE   916 0 0
BONDBLOXX ETF TRUST BLOOMBERG SIX MN 09789C788   980,693 19,493 SH   SOLE   19,493 0 0
INVESCO ACTIVELY MANAGED ETF ULTRA SHRT DUR 46090A887   2,123,767 42,569 SH   SOLE   42,569 0 0
PROSHARES TR HGH YLD INT RATE 74348A541   507,653 7,942 SH   SOLE   7,942 0 0
ALPHABET INC CAP STK CL A 02079K305   289,635 1,919 SH   SOLE   1,919 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108   329,718 6,080 SH   SOLE   6,080 0 0
CHUBB LIMITED COM H1467J104   226,220 873 SH   SOLE   873 0 0
CISCO SYS INC COM 17275R102   283,439 5,679 SH   SOLE   5,679 0 0
ILLINOIS TOOL WKS INC COM 452308109   272,355 1,015 SH   SOLE   1,015 0 0
JOHNSON & JOHNSON COM 478160104   204,856 1,295 SH   SOLE   1,295 0 0
MCKESSON CORP COM 58155Q103   485,859 905 SH   SOLE   905 0 0
NORFOLK SOUTHN CORP COM 655844108   219,953 863 SH   SOLE   863 0 0
EXXON MOBIL CORP COM 30231G102   230,444 1,982 SH   SOLE   1,982 0 0
NIKOLA CORP COM 654110105   14,700 14,135 SH   SOLE   14,135 0 0
ISHARES TR 0-3 MNTH TREASRY 46436E718   355,305 3,528 SH   SOLE   3,528 0 0
FIDUS INVT CORP COM 316500107   1,302,722 65,994 SH   SOLE   65,994 0 0
EA SERIES TRUST STRIVE ENHANCED 02072L441   1,778,187 87,942 SH   SOLE   87,942 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   216,033 2,974 SH   SOLE   2,974 0 0
NUVEEN CR STRATEGIES INCOME COM SHS 67073D102   86,268 15,488 SH   SOLE   15,488 0 0
PIMCO HIGH INCOME FD COM SHS 722014107   103,211 20,893 SH   SOLE   20,893 0 0
SPDR SER TR PORTFOLIO SHORT 78464A474   297,700 10,000 SH   SOLE   10,000 0 0
AMERICAN EXPRESS CO COM 025816109   210,158 923 SH   SOLE   923 0 0
ENERGY TRANSFER L P COM UT LTD PTN 29273V100   316,377 20,113 SH   SOLE   20,113 0 0
ESPERION THERAPEUTICS INC NE COM 29664W105   27,068 10,100 SH   SOLE   10,100 0 0
PLAINS ALL AMERN PIPELINE L UNIT LTD PARTN 726503105   430,922 24,540 SH   SOLE   24,540 0 0
PROSHARES TR SHORT S&P 500 NE 74347B425   177,900 15,000 SH   SOLE   15,000 0 0
ISHARES TR S&P 500 GRWT ETF 464287309   443,141 5,248 SH   SOLE   5,248 0 0