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
ALPHABET INC CAP STK CL A 02079K305 339,642 950 SH SOLE 950 0 0
APPLE INC COM 037833100 491,044 1,697 SH SOLE 1,697 0 0
BLACKROCK ETF TRUST II ISHA SH TERM ETF 092528884 422,227 8,355 SH SOLE 8,355 0 0
BLACKROCK ETF TRUST II ISHARES AAA CLO 092528504 7,132,174 137,395 SH SOLE 137,395 0 0
CINCINNATI FINL CORP COM 172062101 238,645 1,289 SH SOLE 1,289 0 0
ELI LILLY & CO COM 532457108 827,607 690 SH SOLE 690 0 0
HOME DEPOT INC COM 437076102 723,699 2,052 SH SOLE 2,052 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 56,589,886 76,847 SH SOLE 76,847 0 0
ISHARES INC MSCI EMRG CHN 46434G764 7,344,424 71,793 SH SOLE 71,793 0 0
ISHARES TR CALIF MUN BD ETF 464288356 5,336,173 92,578 SH SOLE 92,578 0 0
ISHARES TR CORE S&P500 ETF 464287200 35,685,161 47,651 SH SOLE 47,651 0 0
ISHARES TR LARG CAP JUN ETF 46438G612 2,599,823 89,249 SH SOLE 89,249 0 0
ISHARES TR LARG CAP SEP ETF 46438G588 4,009,692 143,897 SH SOLE 143,897 0 0
ISHARES TR MSCI USA QLT FCT 46432F339 27,057,650 123,309 SH SOLE 123,309 0 0
ISHARES TR NATIONAL MUN ETF 464288414 2,482,808 23,070 SH SOLE 23,070 0 0
ISHARES TR S&P 100 ETF 464287101 7,350,692 20,091 SH SOLE 20,091 0 0
ISHARES TR TRUST ISHARE 0-1 464288679 30,477,301 276,188 SH SOLE 276,188 0 0
ISHARES U S ETF TR SHOR MAT MUN ETF 46431W838 461,833 9,167 SH SOLE 9,167 0 0
JOHNSON & JOHNSON COM 478160104 206,986 815 SH SOLE 815 0 0
RTX CORPORATION COM 75513E101 408,489 2,153 SH SOLE 2,153 0 0
SELECT SECTOR SPDR TR ST STR INDL ETF 81369Y704 7,040,482 38,009 SH SOLE 38,009 0 0
SELECT SECTOR SPDR TR ST STR STAPL ETF 81369Y308 6,110,400 73,557 SH SOLE 73,557 0 0
SELECT SECTOR SPDR TR ST STR SVC ETF 81369Y852 6,462,603 60,325 SH SOLE 60,325 0 0
SPDR GOLD TR GOLD SHS 78463V107 14,575,323 39,566 SH SOLE 39,566 0 0
SPDR GOLD TR GOLD SHS 78463V107 736,760 2,000 SH Call SOLE 2,000 0 0
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 324,528 435 SH SOLE 435 0 0
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 2,613,695 3,500 SH Call SOLE 3,500 0 0
WISDOMTREE TR FLOATNG RAT TREA 97717Y527 23,075,494 458,302 SH SOLE 458,302 0 0