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
STATE STREET SPDR PORTFOLIO S&P 500 ETF ETF 78464A854 63,394,022 828,247 SH SOLE 0 0 828,246
VANGUARD S&P 500 ETF ETF 922908363 45,818,232 76,677 SH SOLE 0 0 76,676
JPMORGAN CORE PLUS BOND ETF ETF 46641Q670 24,021,823 510,234 SH SOLE 0 0 510,234
SCHWAB INTERNATIONAL EQUITY ETF ETF 808524805 18,421,910 744,320 SH SOLE 0 0 744,319
VANGUARD MEGA CAP VALUE ETF ETF 921910840 17,694,756 122,075 SH SOLE 0 0 122,074
FIDELITY TOTAL BOND ETF ETF 316188309 17,143,673 375,793 SH SOLE 0 0 375,792
ISHARES MSCI USA QUALITY FACTOR ETF ETF 46432F339 11,719,902 61,102 SH SOLE 0 0 61,101
INVESCO BULLETSHARES 2027 CORPORATE BOND ETF ETF 46138J783 10,049,320 512,067 SH SOLE 0 0 512,067
ISHARES U.S. TECHNOLOGY ETF ETF 464287721 9,790,246 53,965 SH SOLE 0 0 53,964
INVESCO BULLETSHARES 2029 CORPORATE BOND ETF ETF 46138J577 9,536,806 511,072 SH SOLE 0 0 511,071
SCHWAB US AGGREGATE BOND ETF ETF 808524839 9,510,982 409,603 SH SOLE 0 0 409,603
ISHARES S&P 100 ETF ETF 464287101 9,104,436 28,624 SH SOLE 0 0 28,624
INVESCO QQQ TRUST SERIES I ETF 46090E103 8,914,691 15,445 SH SOLE 0 0 15,445
VANECK SEMICONDUCTOR ETF ETF 92189F676 8,692,445 22,672 SH SOLE 0 0 22,672
ISHARES RUSSELL 2000 ETF ETF 464287655 8,622,464 34,768 SH SOLE 0 0 34,768
VICTORYSHARES FREE CASH FLOW ETF ETF 92647X830 8,548,307 216,522 SH SOLE 0 0 216,522
SCHWAB U.S. LARGE-CAP GROWTH ETF ETF 808524300 8,530,345 292,837 SH SOLE 0 0 292,837
ISHARES CORE TOTAL USD BOND MARKET ETF ETF 46434V613 8,186,003 177,225 SH SOLE 0 0 177,224
ISHARES CORE MSCI EMERGING MARKETS ETF ETF 46434G103 7,917,680 113,515 SH SOLE 0 0 113,515
INVESCO BULLETSHARES 2026 CORPORATE BOND ETF ETF 46138J791 6,931,359 354,908 SH SOLE 0 0 354,908
ISHARES S&P 500 GROWTH ETF ETF 464287309 6,779,700 59,939 SH SOLE 0 0 59,939
ISHARES CORE MSCI INTERNATIONAL DEVELOPED MARKETS ETF ETF 46435G326 6,772,847 81,044 SH SOLE 0 0 81,044
KRANESHARES GLOBAL HUMANOID AND EMBODIED INTELLIGENCE INDEX ETF ETF 500767751 6,678,454 214,053 SH SOLE 0 0 214,053
ISHARES AAA CLO ACTIVE ETF ETF 092528504 6,455,489 124,539 SH SOLE 0 0 124,539
ISHARES U.S. EQUITY FACTOR ROTATION ACTIVE ETF ETF 09290C103 6,313,926 108,524 SH SOLE 0 0 108,524
ISHARES MSCI EAFE VALUE ETF ETF 464288877 6,300,528 84,741 SH SOLE 0 0 84,741
VANGUARD FTSE EMERGING MARKETS ETF ETF 922042858 5,450,402 100,840 SH SOLE 0 0 100,840
FIRST TRUST NASDAQ CLEAN EDGE SMART GRID INFRASTRUCTURE INDEX ETF 33737A108 5,256,970 32,137 SH SOLE 0 0 32,137
ALPS O'SHARES US SMALL-CAP QUALITY DIVIDEND ETF ETF 00162Q395 5,054,764 115,564 SH SOLE 0 0 115,563
JPMORGAN INCOME ETF ETF 46641Q159 4,732,987 102,735 SH SOLE 0 0 102,734
ISHARES S&P 500 VALUE ETF ETF 464287408 4,691,753 22,220 SH SOLE 0 0 22,220
ISHARES MSCI EAFE GROWTH ETF ETF 464288885 4,323,014 38,817 SH SOLE 0 0 38,816
ISHARES CORE S&P MID-CAP ETF ETF 464287507 4,270,935 63,245 SH SOLE 0 0 63,245
VANECK INDIA GROWTH LEADERS ETF ETF 92189F767 3,581,903 88,333 SH SOLE 0 0 88,333
iShares MSCI Int'l Value Factor ETF ETF 46435G409 3,463,786 87,293 SH SOLE 0 0 87,293
VANECK FALLEN ANGEL HIGH YIELD BOND ETF ETF 92189F437 3,463,661 120,601 SH SOLE 0 0 120,601
VANGUARD INTERMEDIATE-TERM BOND ETF ETF 921937819 3,451,721 44,723 SH SOLE 0 0 44,723
ISHARES FLEXIBLE INCOME ACTIVE ETF ETF 092528603 3,285,300 63,264 SH SOLE 0 0 63,264
INVESCO BULLETSHARES 2028 HIGH YIELD CORPORATE BOND ETF ETF 46138J452 3,193,616 147,273 SH SOLE 0 0 147,273
SPDR GOLD MINISHARES TRUST OF BENEFICIAL INTEREST ETF 98149E303 2,600,418 28,055 SH SOLE 0 0 28,055
ISHARES MBS ETF ETF 464288588 2,457,496 25,882 SH SOLE 0 0 25,882
BONDBLOXX JP MORGAN USD EMERGING MARKETS 1-10 YEAR BOND ETF ETF 09789C879 2,236,791 50,894 SH SOLE 0 0 50,894
BLUEROCK PVT REAL ESTATE FD COM CEF 09631P102 2,200,444 132,477 SH SOLE 0 0 132,477
LUMENTUM HLDGS INC COM Stock 55024U109 2,186,989 3,112 SH SOLE 0 0 3,112
ISHARES MSCI EMERGING MARKETS EX CHINA ETF ETF 46434G764 2,068,837 26,301 SH SOLE 0 0 26,301
ISHARES GNMA BOND ETF ETF 46429B333 2,014,843 45,451 SH SOLE 0 0 45,451
INVESCO S&P 500 MOMENTUM ETF ETF 46138E339 2,002,060 17,858 SH SOLE 0 0 17,858
ISHARES ESG MSCI USA LEADERS ETF ETF 46435U218 1,986,114 17,483 SH SOLE 0 0 17,483
BONDBLOXX BLOOMBERG TEN YEAR TARGET DURATION US TREASURY ETF ETF 09789C812 1,888,010 41,169 SH SOLE 0 0 41,169
ISHARES EUROPE ETF ETF 464287861 1,824,189 26,850 SH SOLE 0 0 26,850
EXXON MOBIL CORP COM Stock 30231G102 1,491,651 8,792 SH SOLE 0 0 8,792
ISHARES U.S. TREASURY BOND ETF ETF 46429B267 1,407,865 61,452 SH SOLE 0 0 61,452
ISHARES ESG AWARE MSCI USA ETF ETF 46435G425 1,391,997 9,843 SH SOLE 0 0 9,843
STATE STREET SPDR BLOOMBERG 1-3 MONTH T-BILL ETF ETF 78468R663 1,339,777 14,620 SH SOLE 0 0 14,620
VANGUARD LONG-TERM TREASURY ETF ETF 92206C847 1,333,115 24,083 SH SOLE 0 0 24,083
GLOBAL X U.S. INFRASTRUCTURE DEVELOPMENT ETF ETF 37954Y673 1,314,963 25,880 SH SOLE 0 0 25,880
MICROSOFT CORP COM Stock 594918104 1,241,784 3,355 SH SOLE 0 0 3,354
ISHARES EMERGING MARKETS EQUITY FACTOR ETF ETF 46434G889 1,224,493 20,263 SH SOLE 0 0 20,263
GLOBAL X DEFENSE TECH ETF ETF 37960A529 1,160,147 16,377 SH SOLE 0 0 16,377
ARK INNOVATION ETF ETF 00214Q104 1,080,697 15,989 SH SOLE 0 0 15,989
ISHARES INTERNATIONAL COUNTRY ROTATION ACTIVE ETF ETF 09290C764 1,063,332 33,071 SH SOLE 0 0 33,071
ISHARES RUSSELL 1000 ETF ETF 464287622 1,000,507 2,806 SH SOLE 0 0 2,806
ISHARES A.I. INNOVATION AND TECH ACTIVE ETF ETF 09290C780 916,438 27,813 SH SOLE 0 0 27,813
BANK OF AMER CORP COM Stock 060505104 897,000 18,400 SH SOLE 0 0 18,400
BROADCOM INC COM Stock 11135F101 889,595 2,874 SH SOLE 0 0 2,874
WISDOMTREE FLOATING RATE TREASURY FUND ETF 97717Y527 881,647 17,514 SH SOLE 0 0 17,513
ISHARES CORE 80/20 AGGRESSIVE ALLOCATION ETF ETF 464289859 880,936 9,955 SH SOLE 0 0 9,955
NVIDIA CORPORATION COM Stock 67066G104 872,654 5,004 SH SOLE 0 0 5,003
INVESCO BULLETSHARES 2028 CORPORATE BOND ETF ETF 46138J643 847,371 41,491 SH SOLE 0 0 41,491
AVANTIS EMERGING MARKETS EQUITY ETF ETF 025072604 827,557 10,270 SH SOLE 0 0 10,270
ISHARES U.S. THEMATIC ROTATION ACTIVE ETF ETF 09290C806 811,473 22,404 SH SOLE 0 0 22,404
PRUDENTIAL FINL INC COM Stock 744320102 800,667 8,196 SH SOLE 0 0 8,196
ISHARES U.S. INFRASTRUCTURE ETF ETF 46435U713 781,009 13,654 SH SOLE 0 0 13,654
ISHARES MSCI ACWI EX U.S. ETF ETF 464288240 732,287 10,695 SH SOLE 0 0 10,695
JPMORGAN U.S. MOMENTUM FACTOR ETF ETF 46641Q779 723,348 10,650 SH SOLE 0 0 10,650
PROSHARES S&P 500 DIVIDEND ARISTOCRATS ETF ETF 74348A467 693,835 6,545 SH SOLE 0 0 6,545
WISDOMTREE QUANTUM COMPUTING FUND ETF 97717Y295 615,326 24,917 SH SOLE 0 0 24,917
ISHARES EXPANDED TECH SECTOR ETF ETF 464287549 600,135 5,064 SH SOLE 0 0 5,064
ISHARES CORE S&P TOTAL U.S. STOCK MARKET ETF ETF 464287150 554,622 3,894 SH SOLE 0 0 3,894
VANGUARD INFORMATION TECHNOLOGY ETF ETF 92204A702 547,012 784 SH SOLE 0 0 784
FIRST TRUST NASDAQ CYBERSECURITY ETF ETF 33734X846 546,444 8,718 SH SOLE 0 0 8,718
ISHARES CORE S&P 500 ETF ETF 464287200 545,810 836 SH SOLE 0 0 835
ISHARES LARGE CAP CORE ACTIVE ETF ETF 09290C855 533,698 12,998 SH SOLE 0 0 12,998
MONOLITHIC PWR SYS INC COM Stock 609839105 524,980 480 SH SOLE 0 0 480
ISHARES MORNINGSTAR VALUE ETF ETF 464288109 513,015 5,508 SH SOLE 0 0 5,508
VANGUARD TOTAL INTERNATIONAL BOND ETF ETF 92203J407 500,969 10,426 SH SOLE 0 0 10,426
ISHARES PREFERRED & INCOME SECURITIES ETF ETF 464288687 468,626 15,456 SH SOLE 0 0 15,456
VANGUARD EMERGING MARKETS GOVERNMENT BOND ETF ETF 921946885 464,888 7,077 SH SOLE 0 0 7,077
INVESCO BULLETSHARES 2026 MUNICIPAL BOND ETF ETF 46138J510 462,956 19,596 SH SOLE 0 0 19,596
APPLE INC COM Stock 037833100 447,089 1,762 SH SOLE 0 0 1,761
INVESCO BULLETSHARES 2027 MUNICIPAL BOND ETF ETF 46138J494 424,637 17,952 SH SOLE 0 0 17,952
INVESCO S&P 500 TOP 50 ETF ETF 46137V233 409,561 7,508 SH SOLE 0 0 7,508
3M CO COM Stock 88579Y101 405,773 2,794 SH SOLE 0 0 2,794
INVESCO BULLETSHARES 2028 MUNICIPAL BOND ETF ETF 46138J486 386,746 16,531 SH SOLE 0 0 16,531
CITIGROUP INC COM NEW Stock 172967424 382,872 3,376 SH SOLE 0 0 3,376
KLA CORP COM NEW Stock 482480100 367,290 249 SH SOLE 0 0 249
SCHWAB U.S. LARGE-CAP ETF ETF 808524201 361,678 14,106 SH SOLE 0 0 14,106
LAM RESEARCH CORP COM NEW Stock 512807306 354,035 1,657 SH SOLE 0 0 1,657
AT&T INC COM Stock 00206R102 353,098 12,180 SH SOLE 0 0 12,180
ISHARES 10-20 YEAR TREASURY BOND ETF ETF 464288653 337,311 3,349 SH SOLE 0 0 3,349
ISHARES CORE INTERNATIONAL AGGREGATE BOND ETF ETF 46435G672 334,217 6,679 SH SOLE 0 0 6,679
APPLIED MATLS INC COM Stock 038222105 324,916 951 SH SOLE 0 0 950
ISHARES JP MORGAN USD EMERGING MARKETS BOND ETF ETF 464288281 319,080 3,397 SH SOLE 0 0 3,397
ALERIAN MLP ETF ETF 00162Q452 311,260 5,913 SH SOLE 0 0 5,913
ISHARES GOVERNMENT/CREDIT BOND ETF ETF 464288596 307,510 2,952 SH SOLE 0 0 2,952
BNY MELLON US LARGE CAP CORE EQUITY ETF ETF 09661T107 306,533 2,456 SH SOLE 0 0 2,456
STATE STREET HEALTH CARE SELECT SECTOR SPDR ETF ETF 81369Y209 306,415 2,090 SH SOLE 0 0 2,090
WESTERN DIGITAL CORP COM Stock 958102105 303,219 1,121 SH SOLE 0 0 1,121
EMCOR GROUP INC COM Stock 29084Q100 299,754 406 SH SOLE 0 0 406
SOUNDHOUND AI INC CLASS A COM Stock 836100107 296,104 43,101 SH SOLE 0 0 43,101
PALOMAR HLDGS INC COM Stock 69753M105 279,033 2,335 SH SOLE 0 0 2,335
INVESCO BULLETSHARES 2030 CORPORATE BOND ETF ETF 46138J460 274,026 16,390 SH SOLE 0 0 16,390
ISHARES NATIONAL MUNI BOND ETF ETF 464288414 269,409 2,538 SH SOLE 0 0 2,538
ISHARES MSCI INTL QUALITY FACTOR ETF ETF 46434V456 257,917 5,579 SH SOLE 0 0 5,579
ROCKWELL AUTOMATION INC COM Stock 773903109 255,523 712 SH SOLE 0 0 712
BRISTOL-MYERS SQUIBB CO COM Stock 110122108 253,214 4,175 SH SOLE 0 0 4,175
SEAGATE TECHNOLOGY HLDNGS PLC ORD SHS Stock G7997R103 251,510 642 SH SOLE 0 0 642
ISHARES MSCI USA MIN VOL FACTOR ETF ETF 46429B697 249,192 2,687 SH SOLE 0 0 2,687
ARISTA NETWORKS INC COM SHS Stock 040413205 237,457 1,934 SH SOLE 0 0 1,934
VANGUARD TOTAL STOCK MARKET ETF ETF 922908769 228,053 711 SH SOLE 0 0 710
ALTRIA GROUP INC COM Stock 02209S103 227,402 3,446 SH SOLE 0 0 3,446
ISHARES MSCI EMERGING MARKETS ETF ETF 464287234 224,597 3,955 SH SOLE 0 0 3,954
STATE STREET INDUSTRIAL SELECT SECTOR SPDR ETF ETF 81369Y704 221,732 1,371 SH SOLE 0 0 1,371
PIMCO INVESTMENT GRADE CORPORATE BOND INDEX ETF ETF 72201R817 219,542 2,268 SH SOLE 0 0 2,268
VISTRA CORP COM Stock 92840M102 218,279 1,452 SH SOLE 0 0 1,452
SALESFORCE INC COM Stock 79466L302 214,754 1,150 SH SOLE 0 0 1,150
VANGUARD TOTAL INTERNATIONAL STOCK ETF ETF 921909768 205,961 2,671 SH SOLE 0 0 2,671
EXPEDIA GROUP INC COM NEW Stock 30212P303 201,798 874 SH SOLE 0 0 874
STATE STREET SPDR PORTFOLIO EMERGING MARKETS ETF ETF 78463X509 201,385 4,293 SH SOLE 0 0 4,293
KYNDRYL HLDGS INC COMMON STOCK Stock 50155Q100 162,557 12,390 SH SOLE 0 0 12,390