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
ISHARES TR CORE S&P500 ETF 464287200 34,951,379 53,507 SH SOLE 0 0 53,507
VANGUARD ADMIRAL FDS INC 500 GRTH IDX F 921932505 18,939,200 46,455 SH SOLE 0 0 46,455
INVESCO EXCH TRD SLF IDX FD RUSL 1000 DYNM 46138J619 16,618,718 276,426 SH SOLE 0 0 276,426
VICTORY PORTFOLIOS II SHARES FREE CASH 92647X830 15,458,511 391,553 SH SOLE 0 0 391,553
INVESCO ACTIVELY MANAGED EXC ULTRA SHRT DUR 46090A887 11,101,398 221,496 SH SOLE 0 0 221,496
SPDR GOLD TR GOLD SHS 78463V107 8,138,505 18,914 SH SOLE 0 0 18,914
ISHARES TR CORE S&P MCP ETF 464287507 7,331,279 108,563 SH SOLE 0 0 108,563
ISHARES TR CORE MSCI EAFE 46432F842 6,423,283 70,952 SH SOLE 0 0 70,952
INVESCO EXCH TRD SLF IDX FD INTL DEV DYNAMIC 46138J437 6,310,810 199,457 SH SOLE 0 0 199,457
INVESCO ACTIVELY MANAGED EXC TOTAL RETURN 46090A804 6,296,044 134,445 SH SOLE 0 0 134,445
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 6,165,223 9,480 SH SOLE 0 0 9,480
ISHARES TR CORE US AGGBD ET 464287226 5,486,057 55,264 SH SOLE 0 0 55,264
ISHARES INC CORE MSCI EMKT 46434G103 5,250,424 75,275 SH SOLE 0 0 75,275
VANGUARD INDEX FDS TOTAL STK MKT 922908769 4,726,173 14,732 SH SOLE 0 0 14,732
INVESCO EXCHANGE TRADED FD T RAFI US 1000 ETF 46137V613 4,495,396 94,580 SH SOLE 0 0 94,580
INVESCO EXCH TRADED FD TR II BLOOMBERG ENHANC 46138E719 3,474,926 193,697 SH SOLE 0 0 193,697
HUNTINGTON BANCSHARES INC COM 446150104 3,204,275 204,746 SH SOLE 0 0 204,746
J P MORGAN EXCHANGE TRADED F SHORT DURA CORE 46641Q274 2,907,862 61,477 SH SOLE 0 0 61,477
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 2,593,998 40,481 SH SOLE 0 0 40,481
J P MORGAN EXCHANGE TRADED F ULTRA SHRT ETF 46641Q837 2,561,524 50,613 SH SOLE 0 0 50,613
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 2,462,203 52,679 SH SOLE 0 0 52,679
J P MORGAN EXCHANGE TRADED F SMALL & MID CAP 46641Q118 2,419,346 36,234 SH SOLE 0 0 36,234
WORLD GOLD TR SPDR GLD MINIS 98149E303 2,213,159 23,877 SH SOLE 0 0 23,877
FLEXSHARES TR US QT LW VLTY 33939L654 2,208,964 30,727 SH SOLE 0 0 30,727
FLEXSHARES TR INTL QLTDV IDX 33939L837 2,086,447 65,881 SH SOLE 0 0 65,881
BONDBLOXX ETF TRUST BLOOMBERG SIX MN 09789C788 2,069,016 41,109 SH SOLE 0 0 41,109
ELI LILLY & CO COM 532457108 1,974,130 2,146 SH SOLE 0 0 2,146
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 1,821,931 3,049 SH SOLE 0 0 3,049
J P MORGAN EXCHANGE TRADED F ACTIVE VALUE ETF 46641Q167 1,521,244 21,202 SH SOLE 0 0 21,202
SCHWAB STRATEGIC TR 1000 INDEX ETF 808524722 1,378,501 43,999 SH SOLE 0 0 43,999
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 1,368,502 7,131 SH SOLE 0 0 7,131
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 1,184,301 21,911 SH SOLE 0 0 21,911
INVESCO EXCH TRADED FD TR II EQUAL WEGT 0-30 46138E107 1,171,881 42,958 SH SOLE 0 0 42,958
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 1,135,885 45,894 SH SOLE 0 0 45,894
APPLE INC COM 037833100 1,085,527 4,277 SH SOLE 0 0 4,277
CITIGROUP INC COM NEW 172967424 1,068,322 9,420 SH SOLE 0 0 9,420
ISHARES TR CORE S&P SCP ETF 464287804 1,036,305 8,336 SH SOLE 0 0 8,336
ISHARES TR S&P 500 GRWT ETF 464287309 1,025,416 9,066 SH SOLE 0 0 9,066
FLEXSHARES TR STOX US ESG SLCT 33939L696 676,351 4,457 SH SOLE 0 0 4,457
FLEXSHARES TR EMRG MKT QT LW 33939L639 637,546 21,480 SH SOLE 0 0 21,480
MERCHANTS BANCORP IND COM 58844R108 604,303 14,083 SH SOLE 0 0 14,083
ISHARES TR MSCI USA QLT FCT 46432F339 543,364 2,833 SH SOLE 0 0 2,833
ISHARES TR RUSSELL 3000 ETF 464287689 531,926 1,435 SH SOLE 0 0 1,435
ISHARES TR RUSSELL 2000 ETF 464287655 531,325 2,142 SH SOLE 0 0 2,142
VANGUARD INDEX FDS SML CP GRW ETF 922908595 453,375 1,500 SH SOLE 0 0 1,500
ALPHABET INC CAP STK CL A 02079K305 446,876 1,554 SH SOLE 0 0 1,554
MCDONALDS CORP COM 580135101 444,430 1,430 SH SOLE 0 0 1,430
AMAZON COM INC COM 023135106 442,365 2,124 SH SOLE 0 0 2,124
MICROSOFT CORP COM 594918104 428,331 1,157 SH SOLE 0 0 1,157
ISHARES GOLD TR ISHARES NEW 464285204 426,871 4,842 SH SOLE 0 0 4,842
SPDR SERIES TRUST STATE STREET SPD 78468R853 399,391 8,266 SH SOLE 0 0 8,266
ETFS GOLD TR PHYSCL GOLD SHS 00326A104 396,047 8,876 SH SOLE 0 0 8,876
NVIDIA CORPORATION COM 67066G104 358,244 2,054 SH SOLE 0 0 2,054
NUSHARES ETF TR NUVEEN ESG LRGCP 67092P201 348,287 3,830 SH SOLE 0 0 3,830
WALMART INC COM 931142103 346,244 2,786 SH SOLE 0 0 2,786
ALPHABET INC CAP STK CL C 02079K107 335,339 1,169 SH SOLE 0 0 1,169
META PLATFORMS INC CL A 30303M102 264,814 463 SH SOLE 0 0 463
VANGUARD INDEX FDS VALUE ETF 922908744 250,155 1,275 SH SOLE 0 0 1,275
J P MORGAN EXCHANGE TRADED F DIVERSFED RTRN 46641Q886 240,628 2,101 SH SOLE 0 0 2,101
ISHARES TR SELECT DIVID ETF 464287168 227,136 1,500 SH SOLE 0 0 1,500
ISHARES TR ESG AWR MSCI USA 46435G425 211,978 1,499 SH SOLE 0 0 1,499
ISHARES SILVER TR ISHARES 46428Q109 210,007 3,082 SH SOLE 0 0 3,082
ISHARES TR MSCI USA MIN VOL 46429B697 201,359 2,171 SH SOLE 0 0 2,171