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
ISHARES TR ESG AW MSCI EAFE 46435G516   340,636 4,047 SH   SOLE   0 0 4,047
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   1,362,296 16,395 SH   SOLE   0 0 16,395
ISHARES TR CORE MSCI EAFE 46432F842   14,671,218 187,972 SH   SOLE   0 0 187,972
INNOVATOR ETFS TRUST US EQT ULTRA BF 45782C805   335,582 11,112 SH   SOLE   0 0 11,112
SPDR INDEX SHS FDS S&P INTL ETF 78463X772   1,004,017 26,149 SH   SOLE   0 0 26,149
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852   274,012 3,031 SH   SOLE   0 0 3,031
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   192,579,571 1,848,527 SH   SOLE   0 0 1,848,527
ISHARES TR CORE DIV GRWTH 46434V621   533,087 8,504 SH   SOLE   0 0 8,504
ISHARES TR RUSSELL 2000 ETF 464287655   545,794 2,471 SH   SOLE   0 0 2,471
SELECT SECTOR SPDR TR INDL 81369Y704   744,739 5,499 SH   SOLE   0 0 5,499
INNOVATOR ETFS TRUST US EQTY PWR BF 45782C680   543,594 14,358 SH   SOLE   0 0 14,358
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   38,065,463 1,304,505 SH   SOLE   0 0 1,304,505
CATERPILLAR INC COM 149123101   334,864 856 SH   SOLE   0 0 856
ENERGY TRANSFER L P COM UT LTD PTN 29273V100   1,245,404 77,595 SH   SOLE   0 0 77,595
FIRST TR EXCH TRADED FD III INSTL PFD SECS 33739P855   330,273 17,319 SH   SOLE   0 0 17,319
INVESCO EXCHANGE TRADED FD T S&P500 EQL HLT 46137V332   2,261,095 70,155 SH   SOLE   0 0 70,155
WISDOMTREE TR EMER MKT HIGH FD 97717W315   258,104 5,865 SH   SOLE   0 0 5,865
ISHARES TR S&P 500 GRWT ETF 464287309   492,761 5,146 SH   SOLE   0 0 5,146
ISHARES TR MSCI USA QLT FCT 46432F339   626,540 3,494 SH   SOLE   0 0 3,494
SPDR SER TR PORTFLI INTRMDIT 78464A672   307,745 10,590 SH   SOLE   0 0 10,590
HERSHEY CO COM 427866108   220,163 1,148 SH   SOLE   0 0 1,148
ISHARES TR MSCI USA VALUE 46432F388   1,971,552 18,081 SH   SOLE   0 0 18,081
STATE STR CORP COM 857477103   568,508 6,426 SH   SOLE   0 0 6,426
ISHARES TR PFD AND INCM SEC 464288687   1,024,315 30,825 SH   SOLE   0 0 30,825
NEW YORK LIFE INVESTMENTS ET NYLI MERGER ARBI 45409B800   308,118 9,371 SH   SOLE   0 0 9,371
ISHARES TR CORE MSCI TOTAL 46432F834   1,558,422 21,457 SH   SOLE   0 0 21,457
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   134,971,106 3,282,371 SH   SOLE   0 0 3,282,371
COMCAST CORP NEW CL A 20030N101   522,571 12,511 SH   SOLE   0 0 12,511
3M CO COM 88579Y101   557,732 4,080 SH   SOLE   0 0 4,080
TAKEDA PHARMACEUTICAL CO LTD SPONSORED ADS 874060205   183,040 12,872 SH   SOLE   0 0 12,872
SPDR SER TR S&P 600 SMCP VAL 78464A300   5,543,934 63,855 SH   SOLE   0 0 63,855
SCHWAB STRATEGIC TR FUNDAMENTAL US S 808524763   7,618,363 127,889 SH   SOLE   0 0 127,889
MONDAY COM LTD SHS M7S64H106   633,593 2,281 SH   SOLE   0 0 2,281
SELECT SECTOR SPDR TR ENERGY 81369Y506   973,044 11,083 SH   SOLE   0 0 11,083
GLOBAL X FDS S&P 500 COVERED 37954Y475   1,071,447 25,818 SH   SOLE   0 0 25,818
ISHARES TR CORE US AGGBD ET 464287226   6,222,721 61,447 SH   SOLE   0 0 61,447
ISHARES TR NATIONAL MUN ETF 464288414   7,058,472 64,977 SH   SOLE   0 0 64,977
GLOBAL X FDS NASDAQ 100 COVER 37954Y483   588,295 32,611 SH   SOLE   0 0 32,611
VANGUARD WORLD FD MEGA CAP INDEX 921910873   1,055,628 5,109 SH   SOLE   0 0 5,109
PRINCIPAL EXCHANGE TRADED FD ACTIVE HIGH YL 74255Y102   1,223,437 62,644 SH   SOLE   0 0 62,644
ISHARES TR MSCI EAFE ETF 464287465   4,170,145 49,864 SH   SOLE   0 0 49,864
ISHARES TR RUS 2000 VAL ETF 464287630   1,448,164 8,681 SH   SOLE   0 0 8,681
DRAFTKINGS INC NEW COM CL A 26142V105   10 100 SH Put SOLE   0 0 100
INNOVATOR ETFS TRUST US EQTY PWR BUF 45782C318   299,395 8,495 SH   SOLE   0 0 8,495
NETAPP INC COM 64110D104   310,998 2,518 SH   SOLE   0 0 2,518
INTERCONTINENTAL EXCHANGE IN COM 45866F104   239,354 1,490 SH   SOLE   0 0 1,490
TILRAY BRANDS INC COM 88688T100   84,707 48,129 SH   SOLE   0 0 48,129
CHUBB LIMITED COM H1467J104   349,529 1,212 SH   SOLE   0 0 1,212
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   3,178,560 77,000 SH   SOLE   0 0 77,000
THERMO FISHER SCIENTIFIC INC COM 883556102   267,222 432 SH   SOLE   0 0 432
FS CREDIT OPPORTUNITIES CORP COMMON STOCK 30290Y101   401,377 63,209 SH   SOLE   0 0 63,209
CHEVRON CORP NEW COM 166764100   540,774 3,672 SH   SOLE   0 0 3,672
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   47,967,124 286,081 SH   SOLE   0 0 286,081
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   699,501 9,313 SH   SOLE   0 0 9,313
RING ENERGY INC COM 76680V108   31,347 19,592 SH   SOLE   0 0 19,592
ISHARES TR TIPS BD ETF 464287176   540,372 4,892 SH   SOLE   0 0 4,892
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   289,305 8,437 SH   SOLE   0 0 8,437
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407   642,186 3,205 SH   SOLE   0 0 3,205
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538   43,578,375 178,989 SH   SOLE   0 0 178,989
INNOVATOR ETFS TRUST US EQTY PWR BUF 45782C748   7,697,992 208,754 SH   SOLE   0 0 208,754
ISHARES TR ISHS 1-5YR INVS 464288646   333,706 6,337 SH   SOLE   0 0 6,337
INVESCO QQQ TR UNIT SER 1 46090E103   2,328,052 4,770 SH   SOLE   0 0 4,770
FISERV INC COM 337738108   286,182 1,593 SH   SOLE   0 0 1,593
SPDR GOLD TR GOLD SHS 78463V107   463,272 1,906 SH   SOLE   0 0 1,906
ISHARES TR MSCI USA ESG SLC 464288802   578,398 4,805 SH   SOLE   0 0 4,805
ISHARES TR S&P 500 VAL ETF 464287408   275,313 1,396 SH   SOLE   0 0 1,396
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332   417,751 7,020 SH   SOLE   0 0 7,020
AGILENT TECHNOLOGIES INC COM 00846U101   375,803 2,531 SH   SOLE   0 0 2,531
HOME DEPOT INC COM 437076102   1,568,525 3,871 SH   SOLE   0 0 3,871
NVIDIA CORPORATION COM 67066G104   10,854,704 89,383 SH   SOLE   0 0 89,383
NETFLIX INC COM 64110L106   1,084,481 1,529 SH   SOLE   0 0 1,529
SCHWAB CHARLES FAMILY FD AMT TAX FREE MNY 808515530   1,066,081 1,066,081 SH   SOLE   0 0 1,066,081
WORLD GOLD TR SPDR GLD MINIS 98149E303   314,657 6,036 SH   SOLE   0 0 6,036
ISHARES TR RUS 1000 ETF 464287622   352,338 1,121 SH   SOLE   0 0 1,121
VANGUARD INDEX FDS MID CAP ETF 922908629   13,323,757 50,501 SH   SOLE   0 0 50,501
VANGUARD BD INDEX FDS INTERMED TERM 921937819   463,245 5,911 SH   SOLE   0 0 5,911
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   326,664 8,697 SH   SOLE   0 0 8,697
ISHARES TR JPMORGAN USD EMG 464288281   251,303 2,685 SH   SOLE   0 0 2,685
TRIMBLE INC COM 896239100   426,434 6,868 SH   SOLE   0 0 6,868
INNOVATOR ETFS TRUST INTRNL DEV APRL 45782C367   391,216 13,768 SH   SOLE   0 0 13,768
US BANCORP DEL COM NEW 902973304   388,842 8,503 SH   SOLE   0 0 8,503
SPDR SER TR PORTFOLIO AGRGTE 78464A649   2,528,901 96,744 SH   SOLE   0 0 96,744
AUTOMATIC DATA PROCESSING IN COM 053015103   496,463 1,794 SH   SOLE   0 0 1,794
SCHWAB STRATEGIC TR 1000 INDEX ETF 808524722   513,067 9,280 SH   SOLE   0 0 9,280
J P MORGAN EXCHANGE TRADED F ULTRA SHRT ETF 46641Q837   367,510 7,243 SH   SOLE   0 0 7,243
ISHARES TR S&P 100 ETF 464287101   3,262,730 11,789 SH   SOLE   0 0 11,789
DANAHER CORPORATION COM 235851102   240,765 866 SH   SOLE   0 0 866
LIQUIDIA CORPORATION COM NEW 53635D202   118,330 11,833 SH   SOLE   0 0 11,833
I-80 GOLD CORP COM 44955L106   15,375 13,254 SH   SOLE   0 0 13,254
DBX ETF TR XTRACK MUN INFRA 233051705   6,667,434 255,164 SH   SOLE   0 0 255,164
INVESCO EXCH TRADED FD TR II FNDMNTL HY CRP 46138E719   1,206,683 65,085 SH   SOLE   0 0 65,085
NUSHARES ETF TR NUVEEN ESG LRGCP 67092P201   389,600 4,715 SH   SOLE   0 0 4,715
CITIGROUP INC COM NEW 172967424   207,174 3,309 SH   SOLE   0 0 3,309
AMGEN INC COM 031162100   260,313 808 SH   SOLE   0 0 808
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888   52,700,485 1,367,778 SH   SOLE   0 0 1,367,778
ISHARES TR IBOXX INV CP ETF 464287242   720,473 6,377 SH   SOLE   0 0 6,377
INNOVATOR ETFS TRUST US EQTY PWR BUF 45782C797   320,052 8,217 SH   SOLE   0 0 8,217
VANGUARD SCOTTSDALE FDS VNG RUS1000GRW 92206C680   1,088,883 11,281 SH   SOLE   0 0 11,281
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   552,529 4,310 SH   SOLE   0 0 4,310
ISHARES INC JP MRGN EM HI BD 464286285   260,576 6,678 SH   SOLE   0 0 6,678
QUALCOMM INC COM 747525103   323,077 1,900 SH   SOLE   0 0 1,900
DOW INC COM 260557103   644,390 11,796 SH   SOLE   0 0 11,796
MASTERCARD INCORPORATED CL A 57636Q104   579,659 1,174 SH   SOLE   0 0 1,174
ARISTA NETWORKS INC COM 040413106   270,977 706 SH   SOLE   0 0 706
REGENERON PHARMACEUTICALS COM 75886F107   2,779,479 2,644 SH   SOLE   0 0 2,644
ELI LILLY & CO COM 532457108   2,790,936 3,150 SH   SOLE   0 0 3,150
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854   8,603,499 170,030 SH   SOLE   0 0 170,030
LOWES COS INC COM 548661107   394,691 1,457 SH   SOLE   0 0 1,457
BOOKING HOLDINGS INC COM 09857L108   202,182 48 SH   SOLE   0 0 48
ISHARES TR MRGSTR MD CP GRW 464288307   525,092 7,196 SH   SOLE   0 0 7,196
INNOVATOR ETFS TRUST US EQTY BUF OCT 45782C771   808,757 19,052 SH   SOLE   0 0 19,052
VANGUARD INDEX FDS TOTAL STK MKT 922908769   11,328,967 40,009 SH   SOLE   0 0 40,009
STRYKER CORPORATION COM 863667101   276,828 766 SH   SOLE   0 0 766
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   6,164,299 116,726 SH   SOLE   0 0 116,726
INTUIT COM 461202103   204,930 330 SH   SOLE   0 0 330
UWM HOLDINGS CORPORATION COM CL A 91823B109   112,813 13,241 SH   SOLE   0 0 13,241
ISHARES TR RUS MID CAP ETF 464287499   210,214 2,385 SH   SOLE   0 0 2,385
ISHARES TR 0-3 MNTH TREASRY 46436E718   3,397,473 33,732 SH   SOLE   0 0 33,732
GE AEROSPACE COM NEW 369604301   479,276 2,542 SH   SOLE   0 0 2,542
AMPLIFY ETF TR BLACKSWAN GRWT 032108888   3,391,278 111,519 SH   SOLE   0 0 111,519
INTERNATIONAL BUSINESS MACHS COM 459200101   789,195 3,570 SH   SOLE   0 0 3,570
WELLS FARGO CO NEW COM 949746101   317,866 5,627 SH   SOLE   0 0 5,627
ISHARES TR EAFE GRWTH ETF 464288885   8,457,738 78,567 SH   SOLE   0 0 78,567
EXXON MOBIL CORP COM 30231G102   1,619,469 13,816 SH   SOLE   0 0 13,816
SPDR SER TR SSGA US SMAL ETF 78468R887   351,305 2,828 SH   SOLE   0 0 2,828
SPDR SER TR BBG CONV SEC ETF 78464A359   8,321,886 108,655 SH   SOLE   0 0 108,655
AMERICAN CENTY ETF TR DIVERSIFIED MU 025072505   224,678 4,369 SH   SOLE   0 0 4,369
INTUITIVE SURGICAL INC COM NEW 46120E602   225,002 458 SH   SOLE   0 0 458
MARRIOTT INTL INC NEW CL A 571903202   364,243 1,465 SH   SOLE   0 0 1,465
BRIGHTSPIRE CAPITAL INC COM CL A 10949T109   57,501 10,268 SH   SOLE   0 0 10,268
INVESCO INDIA EXCHANGE-TRADE INDIA ETF 46137R109   5,294,644 172,408 SH   SOLE   0 0 172,408
SPDR SER TR PRTFLO S&P500 HI 78468R788   1,878,009 41,139 SH   SOLE   0 0 41,139
PALANTIR TECHNOLOGIES INC CL A 69608A108   222,977 5,994 SH   SOLE   0 0 5,994
J P MORGAN EXCHANGE TRADED F CORE PLUS BD ETF 46641Q670   5,258,353 109,004 SH   SOLE   0 0 109,004
UNITEDHEALTH GROUP INC COM 91324P102   443,914 759 SH   SOLE   0 0 759
SPDR SER TR PORTFLI TIPS ETF 78464A656   490,030 18,647 SH   SOLE   0 0 18,647
FRANCO NEV CORP COM 351858105   283,166 2,279 SH   SOLE   0 0 2,279
ISHARES TR RUS TOP 200 ETF 464289446   387,895 2,762 SH   SOLE   0 0 2,762
BRISTOL-MYERS SQUIBB CO COM 110122108   269,818 5,215 SH   SOLE   0 0 5,215
SENSEONICS HLDGS INC COM 81727U105   8,743 25,001 SH   SOLE   0 0 25,001
WASTE MGMT INC DEL COM 94106L109   294,387 1,418 SH   SOLE   0 0 1,418
STARBUCKS CORP COM 855244109   593,221 6,085 SH   SOLE   0 0 6,085
FS KKR CAP CORP COM 302635206   227,566 11,534 SH   SOLE   0 0 11,534
FMC CORP COM NEW 302491303   271,937 4,124 SH   SOLE   0 0 4,124
BANK AMERICA CORP COM 060505104   469,645 11,836 SH   SOLE   0 0 11,836
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   441,143 1,248 SH   SOLE   0 0 1,248
COCA COLA CO COM 191216100   896,130 12,470 SH   SOLE   0 0 12,470
ISHARES TR RESIDENTIAL MULT 464288562   305,983 3,445 SH   SOLE   0 0 3,445
VERTEX PHARMACEUTICALS INC COM 92532F100   1,225,951 2,636 SH   SOLE   0 0 2,636
MONDELEZ INTL INC CL A 609207105   238,175 3,233 SH   SOLE   0 0 3,233
ISHARES INC MSCI EMRG CHN 46434G764   7,771,848 127,178 SH   SOLE   0 0 127,178
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718   413,810 3,285 SH   SOLE   0 0 3,285
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   4,169,669 49,328 SH   SOLE   0 0 49,328
VANGUARD WORLD FD MEGA GRWTH IND 921910816   1,233,135 3,830 SH   SOLE   0 0 3,830
SPDR SER TR RUSSELL YIELD 78468R770   340,854 3,039 SH   SOLE   0 0 3,039
ISHARES TR CORE S&P US VLU 464287663   218,195 2,285 SH   SOLE   0 0 2,285
AIM ETF PRODUCTS TRUST US LRGCP B10 JUL 00888H307   205,869 5,321 SH   SOLE   0 0 5,321
VANGUARD INDEX FDS GROWTH ETF 922908736   2,649,255 6,900 SH   SOLE   0 0 6,900
ARISTA NETWORKS INC COM 040413106   520 200 SH Put SOLE   0 0 200
SPDR SER TR S&P 400 MDCP GRW 78464A821   19,591,066 223,285 SH   SOLE   0 0 223,285
MARSH & MCLENNAN COS INC COM 571748102   841,942 3,774 SH   SOLE   0 0 3,774
ALPHABET INC CAP STK CL A 02079K305   1,784,105 10,757 SH   SOLE   0 0 10,757
SPDR S&P 500 ETF TR TR UNIT 78462F103   5,004,098 8,722 SH   SOLE   0 0 8,722
ISHARES TR 0-5YR HI YL CP 46434V407   631,389 14,541 SH   SOLE   0 0 14,541
VANGUARD WORLD FD UTILITIES ETF 92204A876   687,315 3,949 SH   SOLE   0 0 3,949
SPDR SER TR S&P 400 MDCP VAL 78464A839   14,176,460 178,410 SH   SOLE   0 0 178,410
TEXAS INSTRS INC COM 882508104   213,693 1,034 SH   SOLE   0 0 1,034
ISHARES TR RUS 2000 GRW ETF 464287648   2,022,773 7,122 SH   SOLE   0 0 7,122
ISHARES TR CORE S&P MCP ETF 464287507   240,368 3,857 SH   SOLE   0 0 3,857
ISHARES TR INTERNATIONAL SL 46434V266   4,991,942 141,615 SH   SOLE   0 0 141,615
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   992,181 5,009 SH   SOLE   0 0 5,009
PIMCO ETF TR INTER MUN BD ACT 72201R866   1,637,530 30,908 SH   SOLE   0 0 30,908
VANGUARD INDEX FDS VALUE ETF 922908744   2,925,513 16,758 SH   SOLE   0 0 16,758
PHILLIPS EDISON & CO INC COMMON STOCK 71844V201   5,634,364 149,413 SH   SOLE   0 0 149,413
MCDONALDS CORP COM 580135101   662,738 2,176 SH   SOLE   0 0 2,176
ISHARES TR MSCI INDIA ETF 46429B598   284,397 4,859 SH   SOLE   0 0 4,859
WISDOMTREE TR INTRST RATE HDGE 97717W380   4,398,169 196,172 SH   SOLE   0 0 196,172
SPDR SER TR NUVEEN BLOOMBERG 78464A284   2,636,181 100,349 SH   SOLE   0 0 100,349
GILEAD SCIENCES INC COM 375558103   1,823,110 21,745 SH   SOLE   0 0 21,745
NIKE INC CL B 654106103   252,101 2,852 SH   SOLE   0 0 2,852
THE CIGNA GROUP COM 125523100   507,091 1,464 SH   SOLE   0 0 1,464
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   6,220,709 121,688 SH   SOLE   0 0 121,688
PEPSICO INC COM 713448108   350,536 2,061 SH   SOLE   0 0 2,061
CONSOLIDATED EDISON INC COM 209115104   271,873 2,611 SH   SOLE   0 0 2,611
DRAFTKINGS INC NEW COM CL A 26142V105   285,062 7,272 SH   SOLE   0 0 7,272
ISHARES TR ISHARES BIOTECH 464287556   219,791 1,510 SH   SOLE   0 0 1,510
BOSTON SCIENTIFIC CORP COM 101137107   294,725 3,517 SH   SOLE   0 0 3,517
JOHNSON & JOHNSON COM 478160104   1,235,009 7,621 SH   SOLE   0 0 7,621
ISHARES TR RUS 1000 VAL ETF 464287598   1,963,516 10,345 SH   SOLE   0 0 10,345
ISHARES GOLD TR ISHARES NEW 464285204   400,532 8,059 SH   SOLE   0 0 8,059
ISHARES TR CORE S&P SCP ETF 464287804   12,965,755 110,856 SH   SOLE   0 0 110,856
INNOVATOR ETFS TRUST US EQTY PWR BUF 45782C813   3,268,226 80,737 SH   SOLE   0 0 80,737
NEXTERA ENERGY INC COM 65339F101   362,576 4,289 SH   SOLE   0 0 4,289
INVESCO EXCHANGE TRADED FD T S&P 500 TOP 50 46137V233   2,668,207 56,137 SH   SOLE   0 0 56,137
SPDR SER TR S&P BIOTECH 78464A870   755,826 7,650 SH   SOLE   0 0 7,650
BLACKSTONE INC COM 09260D107   248,686 1,624 SH   SOLE   0 0 1,624
ISHARES TR CORE S&P500 ETF 464287200   23,516,720 40,770 SH   SOLE   0 0 40,770
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308   1,020,971 12,301 SH   SOLE   0 0 12,301
VANGUARD INDEX FDS SML CP GRW ETF 922908595   20,452,265 76,494 SH   SOLE   0 0 76,494
META PLATFORMS INC CL A 30303M102   3,157,949 5,517 SH   SOLE   0 0 5,517
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   46,979,704 262,222 SH   SOLE   0 0 262,222
ISHARES TR ISHARES SEMICDTR 464287523   1,242,041 5,386 SH   SOLE   0 0 5,386
WALDENCAST PLC CLASS A ORD SHS G9503X103   61,967 17,024 SH   SOLE   0 0 17,024
HUBSPOT INC COM 443573100   888,304 1,671 SH   SOLE   0 0 1,671
CHEMED CORP NEW COM 16359R103   358,178 596 SH   SOLE   0 0 596
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   1,037,079 15,590 SH   SOLE   0 0 15,590
AMERICAN BATTERY TECHNOLOGY COM NEW 02451V309   18,445 17,238 SH   SOLE   0 0 17,238
MODERNA INC COM 60770K107   748,897 11,206 SH   SOLE   0 0 11,206
INVESCO EXCHANGE TRADED FD T S&P500 PUR GWT 46137V266   299,567 7,628 SH   SOLE   0 0 7,628
COSTCO WHSL CORP NEW COM 22160K105   666,422 752 SH   SOLE   0 0 752
OLAPLEX HLDGS INC COM 679369108   28,400 12,085 SH   SOLE   0 0 12,085
DYNATRACE INC COM NEW 268150109   655,328 12,256 SH   SOLE   0 0 12,256
GOLDMAN SACHS ETF TR ACTIVEBETA US LG 381430503   4,067,929 36,019 SH   SOLE   0 0 36,019
ANALOG DEVICES INC COM 032654105   224,722 976 SH   SOLE   0 0 976
CAMPBELL SOUP CO COM 134429109   260,137 5,318 SH   SOLE   0 0 5,318
WISDOMTREE TR INTL SMCAP DIV 97717W760   285,672 4,137 SH   SOLE   0 0 4,137
SPDR SER TR ICE PFD SEC ETF 78464A292   1,262,654 35,408 SH   SOLE   0 0 35,408
APPLE INC COM 037833100   18,263,726 78,385 SH   SOLE   0 0 78,385
MARATHON OIL CORP COM 565849106   212,907 7,995 SH   SOLE   0 0 7,995
VANGUARD WORLD FD INF TECH ETF 92204A702   3,674,081 6,264 SH   SOLE   0 0 6,264
ALPHABET INC CAP STK CL C 02079K107   1,468,773 8,785 SH   SOLE   0 0 8,785
SALESFORCE INC COM 79466L302   214,593 784 SH   SOLE   0 0 784
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706   651,992 10,791 SH   SOLE   0 0 10,791
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   67,665,082 1,423,928 SH   SOLE   0 0 1,423,928
VANGUARD INDEX FDS SM CP VAL ETF 922908611   24,554,649 122,296 SH   SOLE   0 0 122,296
ISHARES TR ASIA 50 ETF 464288430   565,672 7,826 SH   SOLE   0 0 7,826
ISHARES INC CORE MSCI EMKT 46434G103   583,286 10,160 SH   SOLE   0 0 10,160
GLOBE LIFE INC COM 37959E102   304,809 2,878 SH   SOLE   0 0 2,878
VANGUARD WORLD FD INDUSTRIAL ETF 92204A603   280,876 1,080 SH   SOLE   0 0 1,080
SCHWAB STRATEGIC TR FUNDAMENTAL EMER 808524730   9,756,259 302,332 SH   SOLE   0 0 302,332
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   1,584,515 10,288 SH   SOLE   0 0 10,288
DIREXION SHS ETF TR DLY FIN BULL NEW 25459Y694   200,266 1,543 SH   SOLE   0 0 1,543
VANGUARD WORLD FD COMM SRVC ETF 92204A884   350,103 2,408 SH   SOLE   0 0 2,408
OPKO HEALTH INC COM 68375N103   16,666 11,185 SH   SOLE   0 0 11,185
CASSAVA SCIENCES INC COM 14817C107   207,688 7,057 SH   SOLE   0 0 7,057
INVESCO EXCHANGE TRADED FD T S&P500 EQL IND 46137V324   405,071 7,910 SH   SOLE   0 0 7,910
ISHARES TR CONV BD ETF 46435G102   390,404 4,666 SH   SOLE   0 0 4,666
J P MORGAN EXCHANGE TRADED F NASDAQ EQT PREM 46654Q203   323,902 5,897 SH   SOLE   0 0 5,897
PHILIP MORRIS INTL INC COM 718172109   246,078 2,027 SH   SOLE   0 0 2,027
ADOBE INC COM 00724F101   257,854 498 SH   SOLE   0 0 498
CVS HEALTH CORP COM 126650100   273,793 4,354 SH   SOLE   0 0 4,354
ISHARES TR EAFE SML CP ETF 464288273   1,746,438 25,797 SH   SOLE   0 0 25,797
KOPIN CORP COM 500600101   46,373 63,524 SH   SOLE   0 0 63,524
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   5,593,254 116,891 SH   SOLE   0 0 116,891
VERIZON COMMUNICATIONS INC COM 92343V104   843,793 18,789 SH   SOLE   0 0 18,789
VANECK ETF TRUST LONG MUNI ETF 92189F536   1,365,125 74,597 SH   SOLE   0 0 74,597
SPDR SER TR S&P METALS MNG 78464A755   294,728 4,625 SH   SOLE   0 0 4,625
ISHARES TR 1 3 YR TREAS BD 464287457   3,192,129 38,390 SH   SOLE   0 0 38,390
AON PLC SHS CL A G0403H108   946,629 2,736 SH   SOLE   0 0 2,736
ISHARES TR CORE S&P TTL STK 464287150   244,331 1,945 SH   SOLE   0 0 1,945
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   3,717,669 7,045 SH   SOLE   0 0 7,045
SPDR SER TR S&P 600 SMCP GRW 78464A201   5,429,386 58,312 SH   SOLE   0 0 58,312
SPDR SER TR NUVEEN BLMBRG SH 78468R739   3,873,267 80,458 SH   SOLE   0 0 80,458
CHIPOTLE MEXICAN GRILL INC COM 169656105   200,460 3,479 SH   SOLE   0 0 3,479
VISA INC COM CL A 92826C839   919,700 3,345 SH   SOLE   0 0 3,345
TESLA INC COM 88160R101   1,892,108 7,232 SH   SOLE   0 0 7,232
MARATHON PETE CORP COM 56585A102   1,404,447 8,621 SH   SOLE   0 0 8,621
PIMCO ETF TR INV GRD CRP BD 72201R817   8,954,243 90,038 SH   SOLE   0 0 90,038
EMCOR GROUP INC COM 29084Q100   941,139 2,186 SH   SOLE   0 0 2,186
VANGUARD INDEX FDS LARGE CAP ETF 922908637   3,879,060 14,733 SH   SOLE   0 0 14,733
LOCKHEED MARTIN CORP COM 539830109   688,533 1,178 SH   SOLE   0 0 1,178
FIDELITY COVINGTON TRUST EMERG MKTS MLTFT 316092543   907,987 33,567 SH   SOLE   0 0 33,567
AMERICAN EXPRESS CO COM 025816109   1,788,756 6,596 SH   SOLE   0 0 6,596
ORACLE CORP COM 68389X105   1,150,886 6,754 SH   SOLE   0 0 6,754
WALMART INC COM 931142103   964,323 11,942 SH   SOLE   0 0 11,942
CISCO SYS INC COM 17275R102   693,102 13,023 SH   SOLE   0 0 13,023
VANECK ETF TRUST HIGH YLD MUNIETF 92189H409   1,048,697 19,761 SH   SOLE   0 0 19,761
VANECK ETF TRUST SHRT HGH YLD MUN 92189F387   778,524 34,266 SH   SOLE   0 0 34,266
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   2,297,287 4,991 SH   SOLE   0 0 4,991
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886   636,667 7,881 SH   SOLE   0 0 7,881
SPDR SER TR NUVEEN BLMBRG MU 78468R721   11,583,116 247,344 SH   SOLE   0 0 247,344
ADVANCED MICRO DEVICES INC COM 007903107   558,940 3,407 SH   SOLE   0 0 3,407
OMNICOM GROUP INC COM 681919106   316,994 3,066 SH   SOLE   0 0 3,066
ABBVIE INC COM 00287Y109   3,431,567 17,377 SH   SOLE   0 0 17,377
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   291,847 2,996 SH   SOLE   0 0 2,996
ISHARES TR CORE TOTAL USD 46434V613   477,043 10,124 SH   SOLE   0 0 10,124
AMPLIFY ETF TR CWP ENHANCED DIV 032108409   3,169,161 76,940 SH   SOLE   0 0 76,940
SPDR SER TR PRTFLO S&P500 VL 78464A508   16,749,849 316,872 SH   SOLE   0 0 316,872
INNOVATOR ETFS TRUST US EQTY BUFR JUN 45782C755   352,950 8,672 SH   SOLE   0 0 8,672
PFIZER INC COM 717081103   623,156 21,533 SH   SOLE   0 0 21,533
MERCK & CO INC COM 58933Y105   2,038,463 17,951 SH   SOLE   0 0 17,951
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109   634,257 1,499 SH   SOLE   0 0 1,499
INNOVATOR ETFS TRUST US EQTY BUF NOV 45782C581   471,225 12,359 SH   SOLE   0 0 12,359
ENTERPRISE PRODS PARTNERS L COM 293792107   833,856 28,645 SH   SOLE   0 0 28,645
ISHARES TR RUS MDCP VAL ETF 464287473   6,822,402 51,587 SH   SOLE   0 0 51,587
AT&T INC COM 00206R102   616,286 28,013 SH   SOLE   0 0 28,013
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   2,629,227 51,053 SH   SOLE   0 0 51,053
DISNEY WALT CO COM 254687106   394,789 4,104 SH   SOLE   0 0 4,104
SPDR INDEX SHS FDS S&P INTL SMLCP 78463X871   2,547,395 74,638 SH   SOLE   0 0 74,638
ANNALY CAPITAL MANAGEMENT IN COM NEW 035710839   224,361 11,179 SH   SOLE   0 0 11,179
SPDR SER TR PORTFOLIO LN TSR 78464A664   22,716,459 781,440 SH   SOLE   0 0 781,440
BOEING CO COM 097023105   286,341 1,883 SH   SOLE   0 0 1,883
KOPIN CORP COM 500600101   14,430 144,300 SH Call SOLE   0 0 144,300
ISHARES U S ETF TR BLACKROCK SHORT 46431W838   340,934 6,776 SH   SOLE   0 0 6,776
ISHARES TR 20 YR TR BD ETF 464287432   1,795,132 18,299 SH   SOLE   0 0 18,299
ISHARES TR IBOXX HI YD ETF 464288513   4,588,710 57,145 SH   SOLE   0 0 57,145
FIRST TR EXCHNG TRADED FD VI TCW UNCONSTRAI 33740F888   276,455 11,001 SH   SOLE   0 0 11,001
VANGUARD INDEX FDS SMALL CP ETF 922908751   10,836,382 45,683 SH   SOLE   0 0 45,683
SPDR SER TR MSCI USA STRTGIC 78468R812   2,005,908 12,732 SH   SOLE   0 0 12,732
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   225,957,687 3,330,253 SH   SOLE   0 0 3,330,253
SPDR SER TR S&P DIVID ETF 78464A763   238,197 1,677 SH   SOLE   0 0 1,677
ISHARES TR RUS 1000 GRW ETF 464287614   4,728,557 12,597 SH   SOLE   0 0 12,597
WISDOMTREE TR HEDGED HI YLD BD 97717W430   1,425,243 64,374 SH   SOLE   0 0 64,374
GOLDMAN SACHS GROUP INC COM 38141G104   209,546 423 SH   SOLE   0 0 423
NUSHARES ETF TR NUVEEN ESG LRGVL 67092P300   417,784 10,014 SH   SOLE   0 0 10,014
SSGA ACTIVE ETF TR BLACKSTONE SENR 78467V608   840,128 20,118 SH   SOLE   0 0 20,118
MASCO CORP COM 574599106   208,423 2,483 SH   SOLE   0 0 2,483
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   1,139,925 5,049 SH   SOLE   0 0 5,049
BROADCOM INC COM 11135F101   743,810 4,312 SH   SOLE   0 0 4,312
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   16,896,063 214,717 SH   SOLE   0 0 214,717
CINCINNATI FINL CORP COM 172062101   354,208 2,602 SH   SOLE   0 0 2,602
PROCTER AND GAMBLE CO COM 742718109   901,202 5,203 SH   SOLE   0 0 5,203
SPDR INDEX SHS FDS MSCI EAFE STRTGC 78463X434   844,089 10,488 SH   SOLE   0 0 10,488
ISHARES TR RUS MD CP GR ETF 464287481   6,324,533 53,922 SH   SOLE   0 0 53,922
INVESCO EXCH TRADED FD TR II NATL AMT MUNI 46138E537   7,432,742 307,774 SH   SOLE   0 0 307,774
INVESCO EXCH TRADED FD TR II SR LN ETF 46138G508   5,438,366 258,847 SH   SOLE   0 0 258,847
INVESCO EXCH TRADED FD TR II PFD ETF 46138E511   7,491,074 606,565 SH   SOLE   0 0 606,565
SPDR SER TR PRTFLO S&P500 GW 78464A409   1,775,059 21,402 SH   SOLE   0 0 21,402
ISHARES TR SHRT NAT MUN ETF 464288158   2,591,131 24,401 SH   SOLE   0 0 24,401
TJX COS INC NEW COM 872540109   875,146 7,446 SH   SOLE   0 0 7,446
JPMORGAN CHASE & CO. COM 46625H100   897,979 4,259 SH   SOLE   0 0 4,259
SCHWAB STRATEGIC TR FUNDAMENTAL US L 808524771   209,311,057 2,916,821 SH   SOLE   0 0 2,916,821
UNITED PARCEL SERVICE INC CL B 911312106   654,746 4,802 SH   SOLE   0 0 4,802
RTX CORPORATION COM 75513E101   546,600 4,511 SH   SOLE   0 0 4,511
SHELL PLC SPON ADS 780259305   306,799 4,652 SH   SOLE   0 0 4,652
CINTAS CORP COM 172908105   907,575 4,408 SH   SOLE   0 0 4,408
AMAZON COM INC COM 023135106   4,743,041 25,455 SH   SOLE   0 0 25,455
SCHWAB STRATEGIC TR US TIPS ETF 808524870   7,535,570 140,510 SH   SOLE   0 0 140,510
ONEOK INC NEW COM 682680103   229,283 2,516 SH   SOLE   0 0 2,516
VANGUARD WORLD FD HEALTH CAR ETF 92204A504   382,127 1,354 SH   SOLE   0 0 1,354
ISHARES TR RUS TP200 GR ETF 464289438   13,559,399 61,620 SH   SOLE   0 0 61,620
ABBOTT LABS COM 002824100   504,494 4,425 SH   SOLE   0 0 4,425
MICROSOFT CORP COM 594918104   7,002,096 16,273 SH   SOLE   0 0 16,273