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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ISHARES TR CORE S&P500 ETF 464287200 18,082,254 47,063 SH SOLE 0 0 47,063
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 14,502,064 95,503 SH SOLE 0 0 95,503
ISHARES TR CORE US AGGBD ET 464287226 12,915,053 133,159 SH SOLE 0 0 133,159
ISHARES TR EAFE VALUE ETF 464288877 8,542,031 186,182 SH SOLE 0 0 186,182
ISHARES TR RUS 2000 VAL ETF 464287630 8,374,567 60,392 SH SOLE 0 0 60,392
ISHARES TR IBOXX INV CP ETF 464287242 7,030,754 66,686 SH SOLE 0 0 66,686
FLEXSHARES TR READY ACC VARI 33939L886 4,445,390 59,750 SH SOLE 0 0 59,750
ISHARES TR ISHS 5-10YR INVT 464288638 4,261,318 86,070 SH SOLE 0 0 86,070
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 4,229,520 89,174 SH SOLE 0 0 89,174
FLEXSHARES TR STOX US ESG SLCT 33939L696 3,828,572 41,694 SH SOLE 0 0 41,694
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 2,996,968 71,407 SH SOLE 0 0 71,407
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308 2,925,337 39,240 SH SOLE 0 0 39,240
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 2,733,229 7,779 SH SOLE 0 0 7,779
SPDR GOLD TR GOLD SHS 78463V107 2,718,651 16,026 SH SOLE 0 0 16,026
ISHARES TR US AER DEF ETF 464288760 2,682,531 23,981 SH SOLE 0 0 23,981
VANGUARD INDEX FDS LARGE CAP ETF 922908637 2,655,507 15,244 SH SOLE 0 0 15,244
SPDR INDEX SHS FDS PORTFLI MSCI GBL 78463X475 2,645,379 56,731 SH SOLE 0 0 56,731
SPDR SER TR BLOOMBERG 1-3 MO 78468R663 2,620,524 28,649 SH SOLE 0 0 28,649
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 2,563,906 18,873 SH SOLE 0 0 18,873
SCHWAB STRATEGIC TR US REIT ETF 808524847 2,518,347 130,552 SH SOLE 0 0 130,552
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886 2,501,984 35,489 SH SOLE 0 0 35,489
ISHARES TR RESIDENTIAL MULT 464288562 2,282,762 33,403 SH SOLE 0 0 33,403
ISHARES TR 20 YR TR BD ETF 464287432 2,105,282 21,146 SH SOLE 0 0 21,146
ISHARES TR NORTH AMERN NAT 464287374 1,831,025 45,033 SH SOLE 0 0 45,033
ISHARES TR EXPND TEC SC ETF 464287549 1,803,079 6,440 SH SOLE 0 0 6,440
SELECT SECTOR SPDR TR ENERGY 81369Y506 1,626,727 18,598 SH SOLE 0 0 18,598
VANGUARD INDEX FDS MID CAP ETF 922908629 1,557,152 7,640 SH SOLE 0 0 7,640
ISHARES TR TIPS BD ETF 464287176 1,465,287 13,766 SH SOLE 0 0 13,766
FIRST TR EXCHANGE TRADED FD WTR ETF 33733B100 1,445,692 18,217 SH SOLE 0 0 18,217
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 1,344,952 12,429 SH SOLE 0 0 12,429
FLEXSHARES TR IBOXX 3R TARGT 33939L506 1,119,298 47,589 SH SOLE 0 0 47,589
INVESCO EXCH TRADED FD TR II S&P INTL DEV 46138E248 1,119,037 45,241 SH SOLE 0 0 45,241
FLEXSHARES TR CR SCD US BD 33939L761 1,072,953 23,136 SH SOLE 0 0 23,136
APPLE INC COM 037833100 1,047,106 8,059 SH SOLE 0 0 8,059
FLEXSHARES TR HIG YLD VL ETF 33939L662 1,045,345 26,232 SH SOLE 0 0 26,232
VANGUARD WELLINGTON FD US QUALITY 921935706 1,006,970 9,604 SH SOLE 0 0 9,604
FLEXSHARES TR US QT LW VLTY 33939L654 925,814 18,418 SH SOLE 0 0 18,418
INVESCO QQQ TR UNIT SER 1 46090E103 925,057 3,474 SH SOLE 0 0 3,474
INVESCO EXCH TRADED FD TR II S&P500 HDL VOL 46138E362 872,131 19,898 SH SOLE 0 0 19,898
ISHARES TR 1 3 YR TREAS BD 464287457 851,367 10,489 SH SOLE 0 0 10,489
INVESCO EXCHANGE TRADED FD T S&P500 EQL REL 46137V290 825,884 26,858 SH SOLE 0 0 26,858
FLEXSHARES TR MORNSTAR USMKT 33939L100 768,559 5,172 SH SOLE 0 0 5,172
ISHARES TR NATIONAL MUN ETF 464288414 759,111 7,194 SH SOLE 0 0 7,194
ISHARES GOLD TR ISHARES NEW 464285204 738,427 21,348 SH SOLE 0 0 21,348
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 711,505 9,180 SH SOLE 0 0 9,180
SPDR SER TR S&P BIOTECH 78464A870 703,166 8,472 SH SOLE 0 0 8,472
VANGUARD WORLD FDS UTILITIES ETF 92204A876 654,234 4,266 SH SOLE 0 0 4,266
J P MORGAN EXCHANGE TRADED F JPMORGAN DIVER 46641Q407 625,864 6,603 SH SOLE 0 0 6,603
ISHARES TR PFD AND INCM SEC 464288687 609,837 19,975 SH SOLE 0 0 19,975
INVESCO EXCH TRADED FD TR II NATL AMT MUNI 46138E537 607,933 26,501 SH SOLE 0 0 26,501
US BANCORP DEL COM NEW 902973304 587,078 13,462 SH SOLE 0 0 13,462
FLEXSHARES TR QUALT DIVD IDX 33939L860 557,823 10,605 SH SOLE 0 0 10,605
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 557,118 4,477 SH SOLE 0 0 4,477
WISDOMTREE TR US QTLY DIV GRT 97717X669 549,904 9,110 SH SOLE 0 0 9,110
ISHARES TR 3 7 YR TREAS BD 464288661 530,664 4,619 SH SOLE 0 0 4,619
J P MORGAN EXCHANGE TRADED F DIVERSFD EQT ETF 46641Q845 508,150 13,117 SH SOLE 0 0 13,117
WISDOMTREE TR US HIGH DIVIDEND 97717W208 485,347 5,640 SH SOLE 0 0 5,640
GATX CORP COM 361448103 478,530 4,500 SH SOLE 0 0 4,500
ISHARES TR EXPONENTIAL TECH 46434V381 463,979 9,801 SH SOLE 0 0 9,801
SPDR S&P 500 ETF TR TR UNIT 78462F103 456,896 1,195 SH SOLE 0 0 1,195
GLOBAL X FDS US INFR DEV ETF 37954Y673 450,648 17,012 SH SOLE 0 0 17,012
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100 426,152 5,486 SH SOLE 0 0 5,486
FLEXSHARES TR US QUALITY CAP 33939L746 417,961 9,809 SH SOLE 0 0 9,809
INVESCO EXCHANGE TRADED FD T INVESCO MSCI 46137V407 410,508 8,592 SH SOLE 0 0 8,592
ARK ETF TR INNOVATION ETF 00214Q104 409,015 13,093 SH SOLE 0 0 13,093
ISHARES TR S&P 500 VAL ETF 464287408 370,368 2,553 SH SOLE 0 0 2,553
VANGUARD WORLD FDS CONSUM DIS ETF 92204A108 366,427 1,673 SH SOLE 0 0 1,673
WISDOMTREE TR INTRST RATE HDGE 97717W380 360,126 8,287 SH SOLE 0 0 8,287
ISHARES TR SELECT DIVID ETF 464287168 351,308 2,913 SH SOLE 0 0 2,913
INVESCO EXCH TRADED FD TR II TAXABLE MUN BD 46138G805 338,009 13,147 SH SOLE 0 0 13,147
AMERICAN ELEC PWR CO INC COM 025537101 332,325 3,500 SH SOLE 0 0 3,500
ISHARES TR MSCI ACWI EX US 464288240 330,380 7,261 SH SOLE 0 0 7,261
ALLSTATE CORP COM 020002101 322,186 2,376 SH SOLE 0 0 2,376
ISHARES TR MSCI EAFE ETF 464287465 299,118 4,557 SH SOLE 0 0 4,557
AMPLIFY ETF TR ONLIN RETL ETF 032108102 285,147 7,313 SH SOLE 0 0 7,313
ISHARES TR 10-20 YR TRS ETF 464288653 282,127 2,608 SH SOLE 0 0 2,608
GILEAD SCIENCES INC COM 375558103 274,720 3,200 SH SOLE 0 0 3,200
VANGUARD WORLD FDS COMM SRVC ETF 92204A884 256,702 3,121 SH SOLE 0 0 3,121
ISHARES SILVER TR ISHARES 46428Q109 255,322 11,595 SH SOLE 0 0 11,595
MICROSOFT CORP COM 594918104 252,051 1,051 SH SOLE 0 0 1,051
ISHARES TR RUSSELL 2000 ETF 464287655 243,169 1,395 SH SOLE 0 0 1,395
ISHARES TR MSCI EAFE MIN VL 46429B689 237,236 3,731 SH SOLE 0 0 3,731
CHEVRON CORP NEW COM 166764100 221,850 1,236 SH SOLE 0 0 1,236
NEXTERA ENERGY INC COM 65339F101 221,373 2,648 SH SOLE 0 0 2,648
FLEXSHARES TR DEV MRK EX LOW 33939L647 215,385 8,949 SH SOLE 0 0 8,949
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 213,348 2,837 SH SOLE 0 0 2,837
PROSHARES TR S&P 500 DV ARIST 74348A467 191,319 2,126 SH SOLE 0 0 2,126
SPDR SER TR PORTFOLIO CRPORT 78464A144 186,485 6,571 SH SOLE 0 0 6,571
VANECK ETF TRUST SEMICONDUCTR ETF 92189F676 184,472 909 SH SOLE 0 0 909
ISHARES TR FLTG RATE NT ETF 46429B655 182,886 3,634 SH SOLE 0 0 3,634
WISDOMTREE TR BLMBG US BULL 97717W471 181,512 6,968 SH SOLE 0 0 6,968
MORGAN STANLEY COM NEW 617446448 170,040 2,000 SH SOLE 0 0 2,000
SPDR INDEX SHS FDS S&P NORTH AMER 78463X152 167,919 3,097 SH SOLE 0 0 3,097
ISHARES TR US TREAS BD ETF 46429B267 167,742 7,383 SH SOLE 0 0 7,383
VANGUARD WHITEHALL FDS EM MK GOV BD ETF 921946885 163,670 2,684 SH SOLE 0 0 2,684
ABRDN ETFS BBRG ALL COMMDY 003261203 163,576 4,729 SH SOLE 0 0 4,729
DTE ENERGY CO COM 233331107 162,897 1,386 SH SOLE 0 0 1,386
TESLA INC COM 88160R101 162,228 1,317 SH SOLE 0 0 1,317
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 162,226 1,967 SH SOLE 0 0 1,967
SOUTHERN CO COM 842587107 157,673 2,208 SH SOLE 0 0 2,208
ISHARES TR JPMORGAN USD EMG 464288281 134,667 1,592 SH SOLE 0 0 1,592
MGE ENERGY INC COM 55277P104 128,128 1,820 SH SOLE 0 0 1,820
INVESCO CURRENCYSHARES SWISS SWISS FRANC 46138R108 127,779 1,324 SH SOLE 0 0 1,324
ISHARES TR S&P 500 GRWT ETF 464287309 126,243 2,158 SH SOLE 0 0 2,158
ROPER TECHNOLOGIES INC COM 776696106 112,343 260 SH SOLE 0 0 260
MERCK & CO INC COM 58933Y105 110,950 1,000 SH SOLE 0 0 1,000
DOMINION ENERGY INC COM 25746U109 105,470 1,720 SH SOLE 0 0 1,720
COSTCO WHSL CORP NEW COM 22160K105 104,995 230 SH SOLE 0 0 230
WEYERHAEUSER CO MTN BE COM NEW 962166104 94,674 3,054 SH SOLE 0 0 3,054
VANGUARD INDEX FDS TOTAL STK MKT 922908769 94,257 493 SH SOLE 0 0 493
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 92,670 300 SH SOLE 0 0 300
SPDR SER TR BLOOMBERG INTL T 78464A516 92,148 4,108 SH SOLE 0 0 4,108
EXXON MOBIL CORP COM 30231G102 88,240 800 SH SOLE 0 0 800
DISCOVER FINL SVCS COM 254709108 88,047 900 SH SOLE 0 0 900
UNION PAC CORP COM 907818108 81,171 392 SH SOLE 0 0 392
VANECK ETF TRUST INFLATION ALLOCA 92189F130 70,606 2,847 SH SOLE 0 0 2,847
ISHARES TR GLOBAL ENERG ETF 464287341 66,400 1,703 SH SOLE 0 0 1,703
VISA INC COM CL A 92826C839 59,835 288 SH SOLE 0 0 288
ISHARES TR COHEN STEER REIT 464287564 59,023 1,076 SH SOLE 0 0 1,076
FLEXSHARES TR STOXX GLOBR INF 33939L795 51,620 1,024 SH SOLE 0 0 1,024
PROCTER AND GAMBLE CO COM 742718109 47,590 314 SH SOLE 0 0 314
LILLY ELI & CO COM 532457108 47,559 130 SH SOLE 0 0 130
PROSHARES TR SHRT 20+YR TRE 74347X849 47,515 2,095 SH SOLE 0 0 2,095
AMAZON COM INC COM 023135106 47,208 562 SH SOLE 0 0 562
ISHARES TR ISHS 1-5YR INVS 464288646 45,041 904 SH SOLE 0 0 904
FLEXSHARES TR GLB QLT R/E IDX 33939L787 45,007 855 SH SOLE 0 0 855
JOHNSON & JOHNSON COM 478160104 44,163 250 SH SOLE 0 0 250
ISHARES TR 7-10 YR TRSY BD 464287440 41,849 437 SH SOLE 0 0 437
AMEREN CORP COM 023608102 39,480 444 SH SOLE 0 0 444
PEPSICO INC COM 713448108 38,842 215 SH SOLE 0 0 215
DT MIDSTREAM INC COMMON STOCK 23345M107 38,295 693 SH SOLE 0 0 693
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676 36,480 882 SH SOLE 0 0 882
INVESCO DB COMMDY INDX TRCK UNIT 46138B103 34,313 1,392 SH SOLE 0 0 1,392
CONSOLIDATED EDISON INC COM 209115104 30,499 320 SH SOLE 0 0 320
TRAVELERS COMPANIES INC COM 89417E109 29,623 158 SH SOLE 0 0 158
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 27,787 713 SH SOLE 0 0 713
UNIVERSAL HEALTH RLTY INCOME SH BEN INT 91359E105 26,729 560 SH SOLE 0 0 560
DISNEY WALT CO COM 254687106 26,064 300 SH SOLE 0 0 300
UNILEVER PLC SPON ADR NEW 904767704 25,175 500 SH SOLE 0 0 500
INVESCO EXCH TRADED FD TR II S&P INTL QULTY 46138E214 24,008 971 SH SOLE 0 0 971
AMERICAN EXPRESS CO COM 025816109 22,163 150 SH SOLE 0 0 150
J P MORGAN EXCHANGE TRADED F DIV RTN INT EQ 46641Q209 17,396 353 SH SOLE 0 0 353
TEXAS INSTRS INC COM 882508104 16,522 100 SH SOLE 0 0 100
FORD MTR CO DEL COM 345370860 16,282 1,400 SH SOLE 0 0 1,400
ISHARES TR IBOXX HI YD ETF 464288513 15,757 214 SH SOLE 0 0 214
SPDR SER TR BLOOMBERG HIGH Y 78468R622 14,940 166 SH SOLE 0 0 166
CISCO SYS INC COM 17275R102 14,292 300 SH SOLE 0 0 300
BOEING CO COM 097023105 14,287 75 SH SOLE 0 0 75
HASBRO INC COM 418056107 12,202 200 SH SOLE 0 0 200
AT&T INC COM 00206R102 12,077 656 SH SOLE 0 0 656
NORFOLK SOUTHN CORP COM 655844108 11,828 48 SH SOLE 0 0 48
SPDR SER TR FTSE INT GVT ETF 78464A490 11,577 281 SH SOLE 0 0 281
COCA-COLA EUROPACIFIC PARTNE SHS G25839104 11,064 200 SH SOLE 0 0 200
NAVIENT CORPORATION COM 63938C108 8,225 500 SH SOLE 0 0 500
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 8,190 346 SH SOLE 0 0 346
DUKE ENERGY CORP NEW COM NEW 26441C204 7,724 75 SH SOLE 0 0 75
ISHARES TR LATN AMER 40 ETF 464287390 7,141 312 SH SOLE 0 0 312
VANGUARD INDEX FDS GROWTH ETF 922908736 6,820 32 SH SOLE 0 0 32
ISHARES TR SHRT NAT MUN ETF 464288158 6,778 65 SH SOLE 0 0 65
HONEYWELL INTL INC COM 438516106 6,429 30 SH SOLE 0 0 30
ISHARES TR GLOBAL MATER ETF 464288695 6,057 77 SH SOLE 0 0 77
L3HARRIS TECHNOLOGIES INC COM 502431109 5,622 27 SH SOLE 0 0 27
MOTOROLA SOLUTIONS INC COM NEW 620076307 5,154 20 SH SOLE 0 0 20
ALTRIA GROUP INC COM 02209S103 4,571 100 SH SOLE 0 0 100
ORGANON & CO COMMON STOCK 68622V106 2,793 100 SH SOLE 0 0 100
CARNIVAL CORP COMMON STOCK 143658300 2,418 300 SH SOLE 0 0 300
VANGUARD INDEX FDS SM CP VAL ETF 922908611 2,064 13 SH SOLE 0 0 13