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
Expires: July 31, 2015
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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
AMAZON COM INC COM Stock 023135106 201,181 917 SH SOLE 917 0 0
ISHARES MORNINGSTAR VALUE ETF ETF 464288109 332,059 3,982 SH SOLE 3,982 0 0
PRUDENTIAL FINL INC COM Stock 744320102 898,198 8,360 SH SOLE 8,360 0 0
INVESCO QQQ TRUST SERIES I ETF 46090E103 8,725,837 15,818 SH SOLE 15,817 0 0
INVESCO S&P 500 EQUAL WEIGHT REAL ESTATE ETF ETF 46137V290 233,720 6,672 SH SOLE 6,672 0 0
ISHARES CORE INTERNATIONAL AGGREGATE BOND ETF ETF 46435G672 705,093 13,801 SH SOLE 13,801 0 0
VANGUARD TOTAL STOCK MARKET ETF ETF 922908769 206,011 678 SH SOLE 677 0 0
WISDOMTREE FLOATING RATE TREASURY FUND ETF 97717Y527 716,126 14,234 SH SOLE 14,234 0 0
iShares MSCI Int'l Value Factor ETF ETF 46435G409 3,167,471 96,305 SH SOLE 96,305 0 0
ISHARES MSCI EMERGING MARKETS ETF ETF 464287234 216,673 4,492 SH SOLE 4,491 0 0
INVESCO BULLETSHARES 2025 CORPORATE BOND ETF ETF 46138J825 13,873,216 670,852 SH SOLE 670,851 0 0
ISHARES CORE 80/20 AGGRESSIVE ALLOCATION ETF ETF 464289859 775,346 9,297 SH SOLE 9,296 0 0
ISHARES EMERGING MARKETS EQUITY FACTOR ETF ETF 46434G889 1,226,977 23,564 SH SOLE 23,564 0 0
ISHARES S&P 100 ETF ETF 464287101 9,121,065 29,969 SH SOLE 29,969 0 0
ALPS O'SHARES US SMALL-CAP QUALITY DIVIDEND ETF ETF 00162Q395 4,663,841 107,934 SH SOLE 107,934 0 0
GLOBAL X U.S. INFRASTRUCTURE DEVELOPMENT ETF ETF 37954Y673 1,019,467 23,393 SH SOLE 23,393 0 0
ISHARES ESG AWARE MSCI USA ETF ETF 46435G425 1,338,523 9,893 SH SOLE 9,893 0 0
INVESCO S&P 500 MOMENTUM ETF ETF 46138E339 1,391,366 12,371 SH SOLE 12,371 0 0
SEA LTD SPONSORD ADS ADR 81141R100 209,202 1,308 SH SOLE 1,308 0 0
SCHWAB INTERNATIONAL EQUITY ETF ETF 808524805 15,802,026 715,024 SH SOLE 715,023 0 0
INVESCO BULLETSHARES 2027 CORPORATE BOND ETF ETF 46138J783 815,907 41,522 SH SOLE 41,522 0 0
FIRST TRUST NASDAQ CLEAN EDGE SMART GRID INFRASTRUCTURE INDEX ETF 33737A108 3,767,720 27,102 SH SOLE 27,102 0 0
SCHWAB U.S. LARGE-CAP GROWTH ETF ETF 808524300 9,416,098 322,359 SH SOLE 322,358 0 0
JPMORGAN U.S. MOMENTUM FACTOR ETF ETF 46641Q779 648,043 10,080 SH SOLE 10,080 0 0
ISHARES CORE S&P SMALL CAP ETF ETF 464287804 1,222,583 11,187 SH SOLE 11,186 0 0
ISHARES CORE MSCI INTERNATIONAL DEVELOPED MARKETS ETF ETF 46435G326 6,077,725 79,928 SH SOLE 79,928 0 0
PROGRESSIVE CORP COM Stock 743315103 246,045 922 SH SOLE 922 0 0
ISHARES U.S. INFRASTRUCTURE ETF ETF 46435U713 693,235 14,093 SH SOLE 14,093 0 0
MICROSOFT CORP COM Stock 594918104 1,228,603 2,470 SH SOLE 2,470 0 0
ISHARES EUROPE ETF ETF 464287861 1,944,368 30,741 SH SOLE 30,741 0 0
INVESCO BULLETSHARES 2026 CORPORATE BOND ETF ETF 46138J791 11,455,179 586,843 SH SOLE 586,843 0 0
SPDR GOLD MINISHARES TRUST OF BENEFICIAL INTEREST ETF 98149E303 1,797,672 27,437 SH SOLE 27,437 0 0
INVESCO BULLETSHARES 2028 CORPORATE BOND ETF ETF 46138J643 226,374 11,048 SH SOLE 11,048 0 0
ISHARES ESG AWARE US AGGREGATE BOND ETF ETF 46435U549 228,382 4,804 SH SOLE 4,804 0 0
VANGUARD LONG-TERM TREASURY ETF ETF 92206C847 1,268,985 22,612 SH SOLE 22,612 0 0
ISHARES MSCI EMERGING MARKETS EX CHINA ETF ETF 46434G764 1,873,301 29,669 SH SOLE 29,669 0 0
VANGUARD INFORMATION TECHNOLOGY ETF ETF 92204A702 520,012 784 SH SOLE 784 0 0
VANGUARD S&P 500 ETF ETF 922908363 42,471,741 74,770 SH SOLE 74,770 0 0
CROWDSTRIKE HLDGS INC CL A Stock 22788C105 241,413 474 SH SOLE 474 0 0
ISHARES U.S. EQUITY FACTOR ROTATION ACTIVE ETF ETF 09290C103 5,562,435 102,138 SH SOLE 102,138 0 0
ISHARES ESG MSCI USA LEADERS ETF ETF 46435U218 2,098,956 19,372 SH SOLE 19,372 0 0
JPMORGAN CORE PLUS BOND ETF ETF 46641Q670 21,215,937 450,827 SH SOLE 450,827 0 0
ISHARES MSCI EAFE GROWTH ETF ETF 464288885 4,403,581 39,318 SH SOLE 39,317 0 0
PIMCO INVESTMENT GRADE CORPORATE BOND INDEX ETF ETF 72201R817 223,326 2,295 SH SOLE 2,295 0 0
INVESCO BULLETSHARES 2029 CORPORATE BOND ETF ETF 46138J577 6,968,630 372,654 SH SOLE 372,654 0 0
VANGUARD TOTAL INTERNATIONAL STOCK ETF ETF 921909768 200,914 2,908 SH SOLE 2,908 0 0
INVESCO BULLETSHARES 2025 MUNICIPAL BOND ETF ETF 46138J528 346,578 14,123 SH SOLE 14,123 0 0
INVESCO BULLETSHARES 2026 MUNICIPAL BOND ETF ETF 46138J510 436,708 18,536 SH SOLE 18,536 0 0
ISHARES RUSSELL 2000 ETF ETF 464287655 6,708,264 31,087 SH SOLE 31,087 0 0
INVESCO BULLETSHARES 2027 MUNICIPAL BOND ETF ETF 46138J494 398,450 16,977 SH SOLE 16,977 0 0
INVESCO BULLETSHARES 2028 MUNICIPAL BOND ETF ETF 46138J486 357,184 15,376 SH SOLE 15,376 0 0
BNY MELLON US LARGE CAP CORE EQUITY ETF ETF 09661T107 373,291 3,152 SH SOLE 3,152 0 0
INVESCO BULLETSHARES 2030 CORPORATE BOND ETF ETF 46138J460 253,261 15,093 SH SOLE 15,093 0 0
SCHWAB US AGGREGATE BOND ETF ETF 808524839 10,799,093 464,677 SH SOLE 464,677 0 0
ISHARES MSCI EAFE VALUE ETF ETF 464288877 5,673,555 89,375 SH SOLE 89,375 0 0
ISHARES MSCI USA MIN VOL FACTOR ETF ETF 46429B697 252,980 2,695 SH SOLE 2,695 0 0
JPMORGAN INCOME ETF ETF 46641Q159 4,384,594 94,659 SH SOLE 94,658 0 0
VANECK SEMICONDUCTOR ETF ETF 92189F676 7,311,397 26,217 SH SOLE 26,217 0 0
ISHARES CORE S&P TOTAL U.S. STOCK MARKET ETF ETF 464287150 464,268 3,438 SH SOLE 3,438 0 0
INVESCO S&P 500 TOP 50 ETF ETF 46137V233 452,124 8,678 SH SOLE 8,678 0 0
BROADCOM INC COM Stock 11135F101 781,248 2,834 SH SOLE 2,834 0 0
ISHARES GNMA BOND ETF ETF 46429B333 2,104,590 47,886 SH SOLE 47,886 0 0
ISHARES U.S. THEMATIC ROTATION ACTIVE ETF ETF 09290C806 489,047 13,745 SH SOLE 13,745 0 0
ISHARES AAA CLO ACTIVE ETF ETF 092528504 5,740,110 110,557 SH SOLE 110,556 0 0
NVIDIA CORPORATION COM Stock 67066G104 678,053 4,292 SH SOLE 4,291 0 0
ISHARES CORE MSCI EMERGING MARKETS ETF ETF 46434G103 6,939,465 115,600 SH SOLE 115,599 0 0
ISHARES FLEXIBLE INCOME ACTIVE ETF ETF 092528603 3,405,432 64,448 SH SOLE 64,448 0 0
BONDBLOXX BLOOMBERG TEN YEAR TARGET DURATION US TREASURY ETF ETF 09789C812 735,606 15,936 SH SOLE 15,936 0 0
ROCKWELL AUTOMATION INC COM Stock 773903109 290,649 875 SH SOLE 875 0 0
VICTORYSHARES FREE CASH FLOW ETF ETF 92647X830 7,830,131 221,503 SH SOLE 221,503 0 0
VANECK INDIA GROWTH LEADERS ETF ETF 92189F767 3,989,684 82,795 SH SOLE 82,795 0 0
AT&T INC COM Stock 00206R102 488,797 16,890 SH SOLE 16,890 0 0
VANGUARD INTERMEDIATE-TERM BOND ETF ETF 921937819 3,374,963 43,638 SH SOLE 43,638 0 0
WISDOMTREE U.S. MIDCAP DIVIDEND FUND ETF 97717W505 224,738 4,484 SH SOLE 4,484 0 0
VANGUARD EMERGING MARKETS GOVERNMENT BOND ETF ETF 921946885 497,314 7,610 SH SOLE 7,610 0 0
ISHARES MSCI USA QUALITY FACTOR ETF ETF 46432F339 11,099,779 60,714 SH SOLE 60,714 0 0
CONSUMER DISCRETIONARY SELECT SECTOR SPDR FUND ETF 81369Y407 226,023 1,040 SH SOLE 1,040 0 0
INDUSTRIAL SELECT SECTOR SPDR FUND ETF 81369Y704 201,512 1,366 SH SOLE 1,366 0 0
ISHARES U.S. TECHNOLOGY ETF ETF 464287721 9,792,251 56,514 SH SOLE 56,514 0 0
PROSHARES S&P 500 DIVIDEND ARISTOCRATS ETF ETF 74348A467 733,096 7,280 SH SOLE 7,280 0 0
ISHARES S&P 500 VALUE ETF ETF 464287408 3,301,621 16,895 SH SOLE 16,895 0 0
ISHARES S&P 500 GROWTH ETF ETF 464287309 6,105,926 55,458 SH SOLE 55,458 0 0
ISHARES CORE S&P 500 ETF ETF 464287200 551,456 888 SH SOLE 888 0 0
ISHARES A.I. INNOVATION AND TECH ACTIVE ETF ETF 09290C780 212,567 7,368 SH SOLE 7,368 0 0
ISHARES GOVERNMENT/CREDIT BOND ETF ETF 464288596 345,298 3,306 SH SOLE 3,306 0 0
ISHARES MBS ETF ETF 464288588 3,664,151 39,026 SH SOLE 39,026 0 0
ISHARES PREFERRED & INCOME SECURITIES ETF ETF 464288687 363,773 11,857 SH SOLE 11,857 0 0
ISHARES 10-20 YEAR TREASURY BOND ETF ETF 464288653 411,480 4,050 SH SOLE 4,050 0 0
THERMO FISHER SCIENTIFIC INC COM Stock 883556102 206,379 509 SH SOLE 509 0 0
LOCKHEED MARTIN CORP COM Stock 539830109 218,602 472 SH SOLE 472 0 0
MONOLITHIC PWR SYS INC COM Stock 609839105 351,177 480 SH SOLE 480 0 0
ISHARES NATIONAL MUNI BOND ETF ETF 464288414 265,170 2,538 SH SOLE 2,538 0 0
BANK AMERICA CORP COM Stock 060505104 910,910 19,250 SH SOLE 19,250 0 0
VANGUARD FTSE EMERGING MARKETS ETF ETF 922042858 5,046,354 102,029 SH SOLE 102,029 0 0
3M CO COM Stock 88579Y101 425,359 2,794 SH SOLE 2,794 0 0
KLA CORP COM NEW Stock 482480100 223,441 249 SH SOLE 249 0 0
APPLIED MATLS INC COM Stock 038222105 213,941 1,169 SH SOLE 1,168 0 0
ISHARES CORE U.S. AGGREGATE BOND ETF ETF 464287226 246,115 2,481 SH SOLE 2,481 0 0
ISHARES 20 YEAR TREASURY BOND ETF ETF 464287432 227,597 2,579 SH SOLE 2,579 0 0
SPDR PORTFOLIO S&P 500 ETF ETF 78464A854 66,392,149 913,360 SH SOLE 913,360 0 0
ISHARES EXPANDED TECH SECTOR ETF ETF 464287549 666,738 5,935 SH SOLE 5,935 0 0
ISHARES CORE TOTAL USD BOND MARKET ETF ETF 46434V613 7,753,396 167,714 SH SOLE 167,713 0 0
FIDELITY TOTAL BOND ETF ETF 316188309 15,516,480 339,158 SH SOLE 339,158 0 0
CITIGROUP INC COM NEW Stock 172967424 285,237 3,351 SH SOLE 3,351 0 0
ISHARES JP MORGAN USD EMERGING MARKETS BOND ETF ETF 464288281 335,748 3,625 SH SOLE 3,625 0 0
EXXON MOBIL CORP COM Stock 30231G102 1,377,603 12,779 SH SOLE 12,779 0 0
VANGUARD MEGA CAP VALUE ETF ETF 921910840 14,978,842 114,168 SH SOLE 114,168 0 0
ARK INNOVATION ETF ETF 00214Q104 786,475 11,189 SH SOLE 11,189 0 0
ISHARES MSCI INTL QUALITY FACTOR ETF ETF 46434V456 242,248 5,605 SH SOLE 5,605 0 0
FIRST TRUST NASDAQ CYBERSECURITY ETF ETF 33734X846 456,806 6,044 SH SOLE 6,044 0 0
LUMENTUM HLDGS INC COM Stock 55024U109 318,926 3,355 SH SOLE 3,355 0 0
ISHARES CORE S&P MID-CAP ETF ETF 464287507 3,896,531 62,827 SH SOLE 62,827 0 0
APPLE INC COM Stock 037833100 396,516 1,933 SH SOLE 1,932 0 0
ISHARES RUSSELL 1000 ETF ETF 464287622 1,110,394 3,270 SH SOLE 3,270 0 0
SPDR BLOOMBERG 1-3 MONTH T-BILL ETF ETF 78468R663 475,804 5,187 SH SOLE 5,187 0 0