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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
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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
ABRDN ETFS BBRG ALL COMMDY 003261203   304,523 9,955 SH   SOLE   0 0 9,955
AMAZON COM INC COM 023135106   276,232 1,818 SH   SOLE   0 0 1,818
APPLE INC COM 037833100   1,264,720 6,569 SH   SOLE   0 0 6,569
AT&T INC COM 00206R102   275,830 16,438 SH   SOLE   0 0 16,438
BLACKROCK CORE BD TR SHS BEN INT 09249E101   386,552 35,431 SH   SOLE   0 0 35,431
BOEING CO COM 097023105   302,887 1,162 SH   SOLE   0 0 1,162
EA SERIES TRUST VAL MOMTM TRND 02072L508   493,999 21,252 SH   SOLE   0 0 21,252
EA SERIES TRUST INTL QUAN MOMNTM 02072L300   3,187,205 120,865 SH   SOLE   0 0 120,865
EA SERIES TRUST INTL QUAN VALUE 02072L201   4,026,142 160,756 SH   SOLE   0 0 160,756
EA SERIES TRUST US QUAN MOMENTUM 02072L409   5,747,358 115,278 SH   SOLE   0 0 115,278
EA SERIES TRUST US QUAN VALUE 02072L102   6,987,932 172,584 SH   SOLE   0 0 172,584
EA SERIES TRUST ALPHA ARCHITECT 02072L631   3,850,352 166,718 SH   SOLE   0 0 166,718
EA SERIES TRUST ALPHA ARCH 1-3 02072L565   1,226,470 11,664 SH   SOLE   0 0 11,664
ETF SER SOLUTIONS DEFIANCE NEXT 26922A289   222,212 6,199 SH   SOLE   0 0 6,199
FIDELITY COVINGTON TRUST LOW VOLITY ETF 316092824   295,096 5,571 SH   SOLE   0 0 5,571
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309   5,300,551 115,129 SH   SOLE   0 0 115,129
FIRST TR EXCHANGE-TRADED FD FST LOW OPPT EFT 33739Q200   567,422 11,743 SH   SOLE   0 0 11,743
FS KKR CAP CORP COM 302635206   313,086 15,678 SH   SOLE   0 0 15,678
INVESCO EXCH TRADED FD TR II SHORT TERM TREAS 46138G888   1,587,322 15,031 SH   SOLE   0 0 15,031
INVESCO QQQ TR UNIT SER 1 46090E103   2,119,266 5,175 SH   SOLE   0 0 5,175
ISHARES INC MSCI EMERG MRKT 464286533   506,258 9,107 SH   SOLE   0 0 9,107
ISHARES TR CONSER ALLOC ETF 464289883   588,594 16,282 SH   SOLE   0 0 16,282
ISHARES TR CORE S&P SCP ETF 464287804   1,706,345 15,763 SH   SOLE   0 0 15,763
ISHARES TR CORE S&P500 ETF 464287200   20,630,134 43,193 SH   SOLE   0 0 43,193
ISHARES TR CYBERSECURITY 46435U135   382,475 8,419 SH   SOLE   0 0 8,419
ISHARES TR USD INV GRDE ETF 464288620   465,082 9,073 SH   SOLE   0 0 9,073
ISHARES TR MSCI USA MMENTM 46432F396   470,984 3,002 SH   SOLE   0 0 3,002
ISHARES TR MSCI EAFE ETF 464287465   431,651 5,729 SH   SOLE   0 0 5,729
ISHARES TR NATIONAL MUN ETF 464288414   281,649 2,598 SH   SOLE   0 0 2,598
ISHARES TR CORE HIGH DV ETF 46429B663   559,517 5,486 SH   SOLE   0 0 5,486
ISHARES U S ETF TR BLACKROCK SH DUR 46431W507   645,292 12,773 SH   SOLE   0 0 12,773
MERCK & CO INC COM 58933Y105   324,880 2,980 SH   SOLE   0 0 2,980
META PLATFORMS INC CL A 30303M102   227,265 642 SH   SOLE   0 0 642
MICROSOFT CORP COM 594918104   410,636 1,092 SH   SOLE   0 0 1,092
MORGAN STANLEY ETF TRUST CALVERT ULT SHR 61774R601   11,303,729 224,936 SH   SOLE   0 0 224,936
PFIZER INC COM 717081103   268,121 9,313 SH   SOLE   0 0 9,313
PIMCO ETF TR ENHNCD LW DUR AC 72201R718   252,441 2,664 SH   SOLE   0 0 2,664
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   1,067,343 14,020 SH   SOLE   0 0 14,020
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   9,620,619 198,568 SH   SOLE   0 0 198,568
SPDR GOLD TR GOLD SHS 78463V107   1,170,343 6,122 SH   SOLE   0 0 6,122
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   4,848,649 136,929 SH   SOLE   0 0 136,929
SPDR S&P 500 ETF TR TR UNIT 78462F103   759,145 1,597 SH   SOLE   0 0 1,597
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   376,429 5,118 SH   SOLE   0 0 5,118
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   1,856,626 24,106 SH   SOLE   0 0 24,106
VANGUARD BD INDEX FDS INTERMED TERM 921937819   214,933 2,814 SH   SOLE   0 0 2,814
VANGUARD INDEX FDS TOTAL STK MKT 922908769   4,881,988 20,580 SH   SOLE   0 0 20,580
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   1,106,090 12,518 SH   SOLE   0 0 12,518
VANGUARD INDEX FDS VALUE ETF 922908744   542,087 3,626 SH   SOLE   0 0 3,626
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   1,263,662 2,893 SH   SOLE   0 0 2,893
VANGUARD INDEX FDS SMALL CP ETF 922908751   308,689 1,447 SH   SOLE   0 0 1,447
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   10,594,741 188,720 SH   SOLE   0 0 188,720
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   3,165,207 40,910 SH   SOLE   0 0 40,910
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   4,533,036 77,714 SH   SOLE   0 0 77,714
VANGUARD STAR FDS VG TL INTL STK F 921909768   1,490,036 25,708 SH   SOLE   0 0 25,708
VANGUARD WORLD FDS FINANCIALS ETF 92204A405   202,418 2,194 SH   SOLE   0 0 2,194
VERIZON COMMUNICATIONS INC COM 92343V104   1,652,881 43,843 SH   SOLE   0 0 43,843