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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ALPHABET INC CAP STK CL C 02079K107 262,537 1,480 SH SOLE 0 0 1,480
APPLE INC COM 037833100 521,450 2,542 SH SOLE 0 0 2,542
BOOKING HOLDINGS INC COM 09857L108 746,812 129 SH SOLE 0 0 129
CHIPOTLE MEXICAN GRILL INC COM 169656105 561,500 10,000 SH SOLE 0 0 10,000
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309 18,489,712 404,147 SH SOLE 0 0 404,147
FLEXSHARES TR MORNSTAR UPSTR 33939L407 973,230 24,264 SH SOLE 0 0 24,264
FRANKLIN TEMPLETON ETF TR SENIOR LOAN ETF 35473P595 1,379,050 56,915 SH SOLE 0 0 56,915
HASBRO INC COM 418056107 654,931 8,872 SH SOLE 0 0 8,872
INNOVATOR ETFS TRUST LADDERED ALC BFR 45783Y756 5,765,427 170,172 SH SOLE 0 0 170,172
INVESCO QQQ TR UNIT SER 1 46090E103 838,409 1,520 SH SOLE 0 0 1,520
ISHARES INC CORE MSCI EMKT 46434G103 283,049 4,715 SH SOLE 0 0 4,715
ISHARES TR CONV BD ETF 46435G102 3,408,130 37,826 SH SOLE 0 0 37,826
ISHARES TR CORE INTL AGGR 46435G672 894,126 17,501 SH SOLE 0 0 17,501
ISHARES TR CORE S&P MCP ETF 464287507 338,014 5,450 SH SOLE 0 0 5,450
ISHARES TR FALN ANGLS USD 46435G474 4,744,019 174,798 SH SOLE 0 0 174,798
ISHARES TR MRGSTR MD CP GRW 464288307 13,830,937 172,391 SH SOLE 0 0 172,391
ISHARES TR MSCI EAFE SMCP 46435G839 9,722,810 273,497 SH SOLE 0 0 273,497
MICROSOFT CORP COM 594918104 648,623 1,304 SH SOLE 0 0 1,304
NVIDIA CORPORATION COM 67066G104 1,895,880 12,000 SH SOLE 0 0 12,000
RPM INTL INC COM 749685103 204,522 1,862 SH SOLE 0 0 1,862
SCHWAB STRATEGIC TR FUNDAMENTAL INTL 808524755 16,552,804 413,613 SH SOLE 0 0 413,613
SELECT SECTOR SPDR TR RL EST SEL SEC 81369Y860 9,853,182 237,885 SH SOLE 0 0 237,885
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 18,601,643 435,228 SH SOLE 0 0 435,228
SPDR INDEX SHS FDS S&P NORTH AMER 78463X152 18,830,867 332,468 SH SOLE 0 0 332,468
SPDR S&P 500 ETF TR TR UNIT 78462F103 8,260,125 13,369 SH SOLE 0 0 13,369
SPDR SERIES TRUST BLOOMBERG 1 10 Y 78468R861 829,910 43,360 SH SOLE 0 0 43,360
SPDR SERIES TRUST PORTFLI HIGH YLD 78468R606 1,107,897 46,550 SH SOLE 0 0 46,550
SPDR SERIES TRUST PORTFOLIO SHORT 78464A474 30,701,797 1,016,953 SH SOLE 10 0 1,016,943
SPDR SERIES TRUST S&P 400 MDCP VAL 78464A839 6,585,173 82,905 SH SOLE 0 0 82,905
TCW ETF TRUST TRANSFORM SYSTEM 29287L205 931,515 10,331 SH SOLE 0 0 10,331
VANECK ETF TRUST GREEN BOND ETF 92189F171 380,786 15,709 SH SOLE 0 0 15,709
VANGUARD ADMIRAL FDS INC SMLCP 600 GRTH 921932794 1,154,034 10,085 SH SOLE 0 0 10,085
VANGUARD INDEX FDS GROWTH ETF 922908736 28,943,513 66,021 SH SOLE 0 0 66,021
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 5,127,890 9,027 SH SOLE 0 0 9,027
VANGUARD INDEX FDS SM CP VAL ETF 922908611 14,247,689 73,061 SH SOLE 0 0 73,061
VANGUARD INDEX FDS VALUE ETF 922908744 24,739,557 139,977 SH SOLE 0 0 139,977
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810 1,963,393 21,786 SH SOLE 0 0 21,786
WISDOMTREE TR ITL HDG QTLY DIV 97717X594 13,200,918 293,028 SH SOLE 0 0 293,028