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 023135106 1,523,225 6,943 SH SOLE 0 0 6,943
STARBUCKS CORP COM 855244109 640,860 6,994 SH SOLE 0 0 6,994
JOHNSON & JOHNSON COM 478160104 221,793 1,452 SH SOLE 0 0 1,452
INVESCO EXCHANGE TRADED FD T WATER RES ETF 46137V142 464,635 6,646 SH SOLE 0 0 6,646
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794 844,223 10,538 SH SOLE 0 0 10,538
ISHARES TR US SML CAP EQT 46434V290 4,543,891 66,871 SH SOLE 0 0 66,871
MEDTRONIC PLC SHS G5960L103 252,531 2,897 SH SOLE 0 0 2,897
AGNC INVT CORP COM 00123Q104 248,810 27,074 SH SOLE 0 0 27,074
ISHARES TR SHRT NAT MUN ETF 464288158 632,985 5,952 SH SOLE 0 0 5,952
ISHARES TR US HOME CONS ETF 464288752 217,366 2,333 SH SOLE 0 0 2,333
VERIZON COMMUNICATIONS INC COM 92343V104 617,886 14,280 SH SOLE 0 0 14,280
ISHARES TR ESG AWR MSCI USA 46435G425 324,314 2,397 SH SOLE 0 0 2,397
XCEL ENERGY INC COM 98389B100 919,266 13,499 SH SOLE 0 0 13,499
HOME DEPOT INC COM 437076102 815,820 2,225 SH SOLE 0 0 2,225
J P MORGAN EXCHANGE TRADED F ULTRA SHRT ETF 46641Q837 1,324,015 26,125 SH SOLE 0 0 26,125
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 18,900,157 647,044 SH SOLE 0 0 647,044
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 616,442 1,269 SH SOLE 0 0 1,269
ALPHABET INC CAP STK CL A 02079K305 2,447,130 13,886 SH SOLE 0 0 13,886
MICROSOFT CORP COM 594918104 3,131,066 6,295 SH SOLE 0 0 6,295
HEALTHPEAK PROPERTIES INC COM 42250P103 262,177 14,973 SH SOLE 0 0 14,973
SCHLUMBERGER LTD COM STK 806857108 553,847 16,386 SH SOLE 0 0 16,386
NEXTERA ENERGY INC COM 65339F101 473,792 6,825 SH SOLE 0 0 6,825
BOEING CO COM 097023105 634,038 3,026 SH SOLE 0 0 3,026
JANUS DETROIT STR TR HENDERSON MTG 47103U852 735,223 16,320 SH SOLE 0 0 16,320
J P MORGAN EXCHANGE TRADED F ULTRA SHT MUNCPL 46641Q654 738,187 14,497 SH SOLE 0 0 14,497
VANGUARD WORLD FD HEALTH CAR ETF 92204A504 460,983 1,856 SH SOLE 0 0 1,856
GLOBAL X FDS ARTIFICIAL ETF 37954Y632 365,745 8,371 SH SOLE 0 0 8,371
UNITED AIRLS HLDGS INC COM 910047109 311,513 3,912 SH SOLE 0 0 3,912
UBER TECHNOLOGIES INC COM 90353T100 228,118 2,445 SH SOLE 0 0 2,445
AIR PRODS & CHEMS INC COM 009158106 962,286 3,412 SH SOLE 0 0 3,412
DUKE ENERGY CORP NEW COM NEW 26441C204 686,288 5,816 SH SOLE 0 0 5,816
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332 215,417 3,789 SH SOLE 0 0 3,789
INVESCO EXCHANGE TRADED FD T S&P MDCP QUALITY 46137V472 5,661,488 57,629 SH SOLE 0 0 57,629
VANGUARD INDEX FDS SM CP VAL ETF 922908611 3,255,339 16,693 SH SOLE 0 0 16,693
JANUS DETROIT STR TR HENDRSON AAA CL 47103U845 2,115,377 41,682 SH SOLE 0 0 41,682
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 544,233 20,537 SH SOLE 0 0 20,537
SIMPLIFY EXCHANGE TRADED FUN VOLATILITY PREM 82889N863 378,942 20,606 SH SOLE 0 0 20,606
VISA INC COM CL A 92826C839 884,430 2,491 SH SOLE 0 0 2,491
VANGUARD INDEX FDS VALUE ETF 922908744 17,738,417 100,364 SH SOLE 0 0 100,364
META PLATFORMS INC CL A 30303M102 943,648 1,278 SH SOLE 0 0 1,278
SIMPLIFY EXCHANGE TRADED FUN MANAGED FUTURES 82889N699 4,871,150 182,167 SH SOLE 0 0 182,167
VANECK ETF TRUST MRNGSTR WDE MOAT 92189F643 17,474,905 186,319 SH SOLE 0 0 186,319
SIMPLIFY EXCHANGE TRADED FUN AGGREGATE BOND E 82889N723 621,132 30,094 SH SOLE 0 0 30,094
EXCHANGE TRADED CONCEPTS TRU ETC 6 HEDGED EQU 301505665 315,669 8,212 SH SOLE 0 0 8,212
SPDR SERIES TRUST S&P CAP MKTS 78464A771 2,032,745 14,026 SH SOLE 0 0 14,026
BROADCOM INC COM 11135F101 6,525,393 23,673 SH SOLE 0 0 23,673
ISHARES TR CORE MSCI EAFE 46432F842 8,785,889 105,245 SH SOLE 0 0 105,245
KROGER CO COM 501044101 708,979 9,884 SH SOLE 0 0 9,884
ISHARES TR U.S. MED DVC ETF 464288810 728,074 11,623 SH SOLE 0 0 11,623
EOG RES INC COM 26875P101 478,440 4,000 SH SOLE 0 0 4,000
ABBVIE INC COM 00287Y109 1,818,164 9,795 SH SOLE 0 0 9,795
PTC INC COM 69370C100 313,659 1,820 SH SOLE 0 0 1,820
FIRST TR EXCH TRADED FD III PFD SECS INC ETF 33739E108 830,314 46,647 SH SOLE 0 0 46,647
QUALCOMM INC COM 747525103 343,683 2,158 SH SOLE 0 0 2,158
FIDELITY COVINGTON TRUST ENHANCED MID 31609A503 6,054,659 175,932 SH SOLE 0 0 175,932
CISCO SYS INC COM 17275R102 944,467 13,613 SH SOLE 0 0 13,613
CAPITAL ONE FINL CORP COM 14040H105 1,096,991 5,156 SH SOLE 0 0 5,156
AT&T INC COM 00206R102 341,660 11,806 SH SOLE 0 0 11,806
CHARTER COMMUNICATIONS INC N CL A 16119P108 279,217 683 SH SOLE 0 0 683
ISHARES TR CORE S&P500 ETF 464287200 19,883,707 32,024 SH SOLE 0 0 32,024
RIO TINTO PLC SPONSORED ADR 767204100 299,210 5,130 SH SOLE 0 0 5,130
NORTHROP GRUMMAN CORP COM 666807102 441,482 883 SH SOLE 0 0 883
JPMORGAN CHASE & CO. COM 46625H100 2,329,670 8,036 SH SOLE 0 0 8,036
CHEVRON CORP NEW COM 166764100 1,157,466 8,083 SH SOLE 0 0 8,083
ISHARES TR NATIONAL MUN ETF 464288414 652,853 6,249 SH SOLE 0 0 6,249
CONOCOPHILLIPS COM 20825C104 693,331 7,726 SH SOLE 0 0 7,726
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 277,525 4,868 SH SOLE 0 0 4,868
WALMART INC COM 931142103 1,089,769 11,145 SH SOLE 0 0 11,145
PFIZER INC COM 717081103 242,000 9,983 SH SOLE 0 0 9,983
MORGAN STANLEY COM NEW 617446448 380,181 2,699 SH SOLE 0 0 2,699
ALPHABET INC CAP STK CL C 02079K107 346,266 1,952 SH SOLE 0 0 1,952
VANGUARD WORLD FD UTILITIES ETF 92204A876 387,443 2,195 SH SOLE 0 0 2,195
WISDOMTREE TR EMER MKT HIGH FD 97717W315 258,588 5,710 SH SOLE 0 0 5,710
ISHARES TR ULTRA SHORT DUR 46434V878 243,154 4,795 SH SOLE 0 0 4,795
CITIGROUP INC COM NEW 172967424 302,661 3,556 SH SOLE 0 0 3,556
EXXON MOBIL CORP COM 30231G102 337,565 3,131 SH SOLE 0 0 3,131
UNITEDHEALTH GROUP INC COM 91324P102 496,559 1,592 SH SOLE 0 0 1,592
LOWES COS INC COM 548661107 253,597 1,143 SH SOLE 0 0 1,143
DEERE & CO COM 244199105 1,487,333 2,925 SH SOLE 0 0 2,925
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 528,334 10,776 SH SOLE 0 0 10,776
APPLE INC COM 037833100 2,043,738 9,961 SH SOLE 0 0 9,961
ABBOTT LABS COM 002824100 329,008 2,419 SH SOLE 0 0 2,419