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
Estimated average burden
hours per response: 23.8
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
ALPS ETF TR ALERIAN MLP 00162Q452 479,260 9,104 SH SOLE 0 0 9,104
APPLE INC COM 037833100 259,993 1,024 SH SOLE 0 0 1,024
BLACKROCK ETF TRUST ISHARES US EQUIT 09290C103 2,600,167 44,692 SH SOLE 0 0 44,692
BWX TECHNOLOGIES INC COM 05605H100 211,647 1,035 SH SOLE 0 0 1,035
ETFS GOLD TR PHYSCL GOLD SHS 00326A104 3,737,092 83,754 SH SOLE 0 0 83,754
FIDELITY COVINGTON TRUST ENHANCED SML CAP 31609A206 543,786 14,310 SH SOLE 0 0 14,310
FIDELITY COVINGTON TRUST ENHANCED INTL 31609A404 1,553,600 41,763 SH SOLE 0 0 41,763
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309 22,074,991 483,888 SH SOLE 0 0 483,888
FIDELITY MERRIMACK STR TR LOW DURTIN ETF 316188408 1,704,081 34,048 SH SOLE 0 0 34,048
FIDELITY WISE ORIGIN BITCOIN SHS 315948109 233,287 3,952 SH SOLE 0 0 3,952
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 274,556 1,431 SH SOLE 0 0 1,431
ISHARES BITCOIN TRUST ETF SHS BEN INT 46438F101 505,031 13,145 SH SOLE 0 0 13,145
ISHARES INC EMNG MKTS EQT 46434G889 2,509,421 41,526 SH SOLE 0 0 41,526
ISHARES INC MSCI GBL GOLD MN 46434G855 268,031 3,394 SH SOLE 0 0 3,394
ISHARES TR CORE MSCI TOTAL 46432F834 15,948,348 184,076 SH SOLE 0 0 184,076
ISHARES TR CORE S&P500 ETF 464287200 23,098,881 35,362 SH SOLE 0 0 35,362
ISHARES TR MSCI INTL QUALTY 46434V456 320,299 6,928 SH SOLE 0 0 6,928
ISHARES TR MSCI USA MIN ETF 46429B697 1,198,362 12,922 SH SOLE 0 0 12,922
ISHARES TR MSCI USA QLT FCT 46432F339 2,649,726 13,814 SH SOLE 0 0 13,814
ISHARES TR NATIONAL MUN ETF 464288414 4,090,566 38,536 SH SOLE 0 0 38,536
ISHARES TR 0-3 MTH TREASURY 46436E718 5,037,437 50,044 SH SOLE 0 0 50,044
ISHARES TR CORE US AGGBD ET 464287226 3,203,038 32,266 SH SOLE 0 0 32,266
ISHARES TR LATN AMER 40 ETF 464287390 1,156,796 32,567 SH SOLE 0 0 32,567
ISHARES TR 3 7 YR TREAS BD 464288661 236,873 1,997 SH SOLE 0 0 1,997
ISHARES TR CORE MSCI EAFE 46432F842 342,439 3,783 SH SOLE 0 0 3,783
ISHARES TR MSCI USA MMENTM 46432F396 493,548 2,057 SH SOLE 0 0 2,057
ISHARES TR IBON 2027 TE ETF 46436E478 550,353 24,869 SH SOLE 0 0 24,869
ISHARES TR IBON 2026 TE ETF 46436E528 375,733 16,372 SH SOLE 0 0 16,372
ISHARES TR IBONDS 28 TR HI 46436E387 555,502 23,669 SH SOLE 0 0 23,669
ISHARES TR IBONDS DEC2026 46435GAA0 1,010,798 41,700 SH SOLE 0 0 41,700
ISHARES TR IBONDS DEC 26 46435U259 1,833,725 71,546 SH SOLE 0 0 71,546
ISHARES TR IBONDS 27 ETF 46435UAA9 412,091 17,000 SH SOLE 0 0 17,000
ISHARES TR IBONDS DEC 27 46435U283 1,906,969 74,959 SH SOLE 0 0 74,959
ISHARES TR IBONDS DEC 28 46435U325 1,387,312 54,340 SH SOLE 0 0 54,340
ISHARES TR RUS 1000 VAL ETF 464287598 278,359 1,303 SH SOLE 0 0 1,303
ISHARES TR CORE 40 MODE ETF 464289875 399,813 8,440 SH SOLE 0 0 8,440
ISHARES TR IBONDS 26 TRM TS 46436E858 249,757 10,899 SH SOLE 0 0 10,899
PIMCO ETF TR 15+ YR US TIPS 72201R304 265,144 5,196 SH SOLE 0 0 5,196
SCHWAB STRATEGIC TR US TIPS ETF 808524870 7,715,174 289,935 SH SOLE 0 0 289,935
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 2,560,283 102,003 SH SOLE 0 0 102,003
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 566,684 19,454 SH SOLE 0 0 19,454
VANGUARD ADMIRAL FDS INC MIDCP 400 IDX 921932885 9,568,178 83,696 SH SOLE 0 0 83,696
VANGUARD ADMIRAL FDS INC SMLLCP 600 IDX 921932828 2,771,590 24,136 SH SOLE 0 0 24,136
VANGUARD INDEX FDS TOTAL STK MKT 922908769 671,790 2,094 SH SOLE 0 0 2,094
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 4,836,987 8,095 SH SOLE 0 0 8,095
VANGUARD INDEX FDS SM CP VAL ETF 922908611 569,132 2,620 SH SOLE 0 0 2,620
VANGUARD INDEX FDS VALUE ETF 922908744 737,125 3,757 SH SOLE 0 0 3,757
VANGUARD INDEX FDS GROWTH ETF 922908736 297,855 682 SH SOLE 0 0 682
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 1,124,910 13,647 SH SOLE 0 0 13,647
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 403,406 2,916 SH SOLE 0 0 2,916
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 952,743 19,097 SH SOLE 0 0 19,097
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 3,066,107 38,679 SH SOLE 0 0 38,679
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 5,936,002 27,602 SH SOLE 0 0 27,602
VANGUARD STAR FDS VG TL INTL STK F 921909768 2,961,048 38,400 SH SOLE 0 0 38,400
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 3,659,864 57,114 SH SOLE 0 0 57,114
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794 3,880,629 41,178 SH SOLE 0 0 41,178
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 1,885,972 12,734 SH SOLE 0 0 12,734