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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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 17,332,092 30,513 SH SOLE 0 30,513 0 0
SCHWAB STRATEGIC TR FUNDAMENTAL US L 808524771 14,597,637 594,851 SH SOLE 0 594,851 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 12,693,470 519,373 SH SOLE 0 519,373 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 12,035,728 544,603 SH SOLE 0 544,603 0 0
WISDOMTREE TR FLOATNG RAT TREA 97717Y527 10,797,439 214,618 SH SOLE 0 214,618 0 0
VICTORY PORTFOLIOS II CORE INTERMEDIAT 92647N527 7,037,740 149,516 SH SOLE 0 149,516 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 6,826,890 24,397 SH SOLE 0 24,397 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 5,399,704 65,119 SH SOLE 0 65,119 0 0
WISDOMTREE TR US TOTAL DIVIDND 97717W109 5,175,060 65,079 SH SOLE 0 65,079 0 0
ISHARES INC MSCI EMRG CHN 46434G764 4,650,189 73,649 SH SOLE 0 73,649 0 0
FIRST TR EXCHANGE-TRADED FD RISNG DIVD ACHIV 33738R506 4,363,065 69,542 SH SOLE 0 69,542 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 3,639,188 129,739 SH SOLE 0 129,739 0 0
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 3,632,273 22,086 SH SOLE 0 22,086 0 0
VANGUARD SCOTTSDALE FDS VNG RUS1000VAL 92206C714 3,475,008 40,782 SH SOLE 0 40,782 0 0
WISDOMTREE TR INTL EQUITY FD 97717W703 3,371,454 53,044 SH SOLE 0 53,044 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611 3,073,711 15,762 SH SOLE 0 15,762 0 0
ISHARES TR CRE U S REIT ETF 464288521 2,845,838 50,315 SH SOLE 0 50,315 0 0
ISHARES TR CORE S&P500 ETF 464287200 2,379,912 3,833 SH SOLE 0 3,833 0 0
ISHARES TR CORE MSCI EAFE 46432F842 2,323,666 27,835 SH SOLE 0 27,835 0 0
FIRST TR EXCHANGE-TRADED FD CAP STRENGTH ETF 33733E104 2,266,093 24,932 SH SOLE 0 24,932 0 0
ISHARES TR CORE US AGGBD ET 464287226 2,262,176 22,804 SH SOLE 0 22,804 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 2,236,232 9,436 SH SOLE 0 9,436 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 2,210,125 45,077 SH SOLE 0 45,077 0 0
WISDOMTREE TR US MIDCAP DIVID 97717W505 2,006,424 40,032 SH SOLE 0 40,032 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 1,420,284 56,138 SH SOLE 0 56,138 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 1,209,403 50,751 SH SOLE 0 50,751 0 0
FIRST TR DOW JONES SELECT MI COM SHS ANNUAL 33718M105 1,025,287 14,313 SH SOLE 0 14,313 0 0
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 928,860 21,809 SH SOLE 0 21,809 0 0
WISDOMTREE TR US MIDCAP FUND 97717W570 765,554 12,394 SH SOLE 0 12,394 0 0
FIRST TR EXCHANGE TRAD FD VI FST TR GLB FD 33739H101 750,461 30,420 SH SOLE 0 30,420 0 0
ISHARES TR NATIONAL MUN ETF 464288414 744,524 7,126 SH SOLE 0 7,126 0 0
WISDOMTREE TR INTL SMCAP DIV 97717W760 685,566 9,127 SH SOLE 0 9,127 0 0
ISHARES TR 1 3 YR TREAS BD 464287457 644,651 7,780 SH SOLE 0 7,780 0 0
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 574,771 11,434 SH SOLE 0 11,434 0 0
VANGUARD INDEX FDS LARGE CAP ETF 922908637 566,465 1,986 SH SOLE 0 1,986 0 0
GLOBAL X FDS US INFR DEV ETF 37954Y673 554,250 12,718 SH SOLE 0 12,718 0 0
APPLE INC COM 037833100 527,974 2,573 SH SOLE 0 2,573 0 0
SPDR INDEX SHS FDS DJ GLB RL ES ETF 78463X749 465,362 10,543 SH SOLE 0 10,543 0 0
ISHARES INC MSCI JPN ETF NEW 46434G822 451,544 6,023 SH SOLE 0 6,023 0 0
ISHARES TR SHRT NAT MUN ETF 464288158 443,970 4,175 SH SOLE 0 4,175 0 0
ISHARES TR CORE S&P MCP ETF 464287507 379,687 6,122 SH SOLE 0 6,122 0 0
NATIXIS ETF TR GATEWAY QUALITY 63873X307 376,367 7,010 SH SOLE 0 7,010 0 0
ALPS ETF TR ALERIAN MLP 00162Q452 327,901 6,711 SH SOLE 0 6,711 0 0
AMERICAN CENTY ETF TR AVANTIS EMGMKT 025072604 271,213 3,957 SH SOLE 0 3,957 0 0
WISDOMTREE TR US SMALLCAP FUND 97717W562 236,047 4,632 SH SOLE 0 4,632 0 0