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
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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
AMAZON COM INC COM 023135106   337,630 1,812 SH   SOLE   0 0 1,812
APPLE INC COM 037833100   1,464,638 6,286 SH   SOLE   0 0 6,286
AT&T INC COM 00206R102   363,440 16,520 SH   SOLE   0 0 16,520
BLACKROCK CORE BD TR SHS BEN INT 09249E101   409,866 34,042 SH   SOLE   0 0 34,042
EA SERIES TRUST VAL MOMTM TRND 02072L508   591,369 22,299 SH   SOLE   0 0 22,299
EA SERIES TRUST INTL QUAN MOMNTM 02072L300   4,532,575 157,326 SH   SOLE   0 0 157,326
EA SERIES TRUST INTL QUAN VALUE 02072L201   5,222,720 202,528 SH   SOLE   0 0 202,528
EA SERIES TRUST ALPHA ARCHITECT 02072L516   9,534,474 110,257 SH   SOLE   0 0 110,257
EA SERIES TRUST US QUAN MOMENTUM 02072L409   7,742,050 120,611 SH   SOLE   0 0 120,611
EA SERIES TRUST US QUAN VALUE 02072L102   8,452,094 183,199 SH   SOLE   0 0 183,199
EA SERIES TRUST ALPHA ARCHITECT 02072L631   4,408,514 186,249 SH   SOLE   0 0 186,249
EA SERIES TRUST ALPHA ARCH 1-3 02072L565   1,679,884 15,422 SH   SOLE   0 0 15,422
ETF SER SOLUTIONS DEFIANCE CONNECT 26922A289   248,134 5,720 SH   SOLE   0 0 5,720
FIDELITY COVINGTON TRUST LOW VOLITY ETF 316092824   331,842 5,409 SH   SOLE   0 0 5,409
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309   1,277,591 27,334 SH   SOLE   0 0 27,334
FIRST TR EXCHANGE-TRADED FD FST LOW OPPT EFT 33739Q200   580,222 11,743 SH   SOLE   0 0 11,743
FS CREDIT OPPORTUNITIES CORP COMMON STOCK 30290Y101   68,275 10,752 SH   SOLE   0 0 10,752
FS KKR CAP CORP COM 302635206   289,475 14,672 SH   SOLE   0 0 14,672
INVESCO EXCH TRADED FD TR II SHORT TERM TREAS 46138G888   1,239,471 11,731 SH   SOLE   0 0 11,731
INVESCO QQQ TR UNIT SER 1 46090E103   1,981,076 4,059 SH   SOLE   0 0 4,059
ISHARES INC MSCI EMERG MRKT 464286533   286,351 4,567 SH   SOLE   0 0 4,567
ISHARES TR CONSER ALLOC ETF 464289883   583,263 15,087 SH   SOLE   0 0 15,087
ISHARES TR CORE S&P SCP ETF 464287804   1,874,167 16,024 SH   SOLE   0 0 16,024
ISHARES TR CORE S&P500 ETF 464287200   24,794,419 42,985 SH   SOLE   0 0 42,985
ISHARES TR USD INV GRDE ETF 464288620   466,017 8,863 SH   SOLE   0 0 8,863
ISHARES TR CYBERSECURITY 46435U135   395,330 8,111 SH   SOLE   0 0 8,111
ISHARES TR MSCI EAFE ETF 464287465   330,004 3,946 SH   SOLE   0 0 3,946
ISHARES TR NATIONAL MUN ETF 464288414   391,503 3,604 SH   SOLE   0 0 3,604
ISHARES U S ETF TR BLACKROCK SH DUR 46431W507   583,624 11,390 SH   SOLE   0 0 11,390
MERCK & CO INC COM 58933Y105   391,214 3,445 SH   SOLE   0 0 3,445
META PLATFORMS INC CL A 30303M102   328,581 574 SH   SOLE   0 0 574
MICROSOFT CORP COM 594918104   574,020 1,334 SH   SOLE   0 0 1,334
MORGAN STANLEY ETF TRUST CALVERT ULT SHR 61774R601   14,925,602 294,391 SH   SOLE   0 0 294,391
MORGAN STANLEY ETF TRUST EATON VANCE TOTA 61774R841   5,155,229 99,522 SH   SOLE   0 0 99,522
PFIZER INC COM 717081103   266,798 9,219 SH   SOLE   0 0 9,219
PIMCO ETF TR ENHNCD LW DUR AC 72201R718   245,850 2,562 SH   SOLE   0 0 2,562
PIMCO HIGH INCOME FD COM SHS 722014107   99,250 19,850 SH   SOLE   0 0 19,850
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   1,060,006 12,540 SH   SOLE   0 0 12,540
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   2,626,275 53,619 SH   SOLE   0 0 53,619
SPDR GOLD TR GOLD SHS 78463V107   1,391,032 5,723 SH   SOLE   0 0 5,723
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   693,217 16,793 SH   SOLE   0 0 16,793
SPDR S&P 500 ETF TR TR UNIT 78462F103   886,794 1,546 SH   SOLE   0 0 1,546
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   274,752 3,658 SH   SOLE   0 0 3,658
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   1,503,748 19,110 SH   SOLE   0 0 19,110
VANGUARD INDEX FDS TOTAL STK MKT 922908769   5,022,975 17,739 SH   SOLE   0 0 17,739
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   1,219,114 12,514 SH   SOLE   0 0 12,514
VANGUARD INDEX FDS VALUE ETF 922908744   238,986 1,369 SH   SOLE   0 0 1,369
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   1,374,580 2,605 SH   SOLE   0 0 2,605
VANGUARD INDEX FDS SMALL CP ETF 922908751   300,782 1,268 SH   SOLE   0 0 1,268
VANGUARD INDEX FDS GROWTH ETF 922908736   226,519 590 SH   SOLE   0 0 590
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   12,672,634 201,153 SH   SOLE   0 0 201,153
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   3,123,112 39,324 SH   SOLE   0 0 39,324
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   4,366,952 73,991 SH   SOLE   0 0 73,991
VANGUARD STAR FDS VG TL INTL STK F 921909768   1,566,320 24,194 SH   SOLE   0 0 24,194
VANGUARD WORLD FD FINANCIALS ETF 92204A405   225,425 2,051 SH   SOLE   0 0 2,051
VERIZON COMMUNICATIONS INC COM 92343V104   1,893,046 42,152 SH   SOLE   0 0 42,152