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
ABBVIE INC COM 00287Y109 629,100 2,500 SH SOLE 0 0 2,500
AMAZON COM INC COM 023135106 555,571 2,331 SH SOLE 0 0 2,331
APPLE INC COM 037833100 2,829,541 9,779 SH SOLE 0 0 9,779
BANK OF AMER CORP COM 060505104 398,670 6,997 SH SOLE 0 0 6,997
BLACKROCK ETF TRUST ISHARES US EQUIT 09290C103 11,624,957 170,930 SH SOLE 0 0 170,930
BLACKROCK ETF TRUST ISHA LA CORE ETF 09290C855 4,202,671 83,436 SH SOLE 0 0 83,436
BLACKROCK ETF TRUST ISHA I IN TE ETF 09290C780 6,650,531 126,148 SH SOLE 0 0 126,148
BLACKROCK ETF TRUST ISHA SYST AL ETF 09290C665 3,696,233 131,773 SH SOLE 0 0 131,773
BLACKROCK ETF TRUST II ISHA GLO USD ETF 092528835 3,463,321 68,867 SH SOLE 0 0 68,867
BLACKROCK ETF TRUST II ISHA FLEX IN ETF 092528603 3,962,400 75,705 SH SOLE 0 0 75,705
CISCO SYS INC COM 17275R102 656,014 5,585 SH SOLE 0 0 5,585
CORNING INC COM 219350105 438,062 1,715 SH SOLE 0 0 1,715
DIREXION SHARES ETF TRUST DAI SEM BUL ETF 25459W458 666,775 2,500 SH SOLE 0 0 2,500
DTE ENERGY CO COM 233331107 205,700 1,350 SH SOLE 0 0 1,350
EXXON MOBIL CORP COM 30231G102 853,270 6,241 SH SOLE 0 0 6,241
GLOBAL X FDS DEFENSE TECH ETF 37960A529 2,451,096 41,050 SH SOLE 0 0 41,050
HOME DEPOT INC COM 437076102 337,541 957 SH SOLE 0 0 957
INNOVATOR ETFS TRUST EQUITY DEFINED 45783Y335 609,079 20,651 SH SOLE 0 0 20,651
INNOVATOR ETFS TRUST EQUI DEFI 1 DECE 45784N858 219,814 8,320 SH SOLE 0 0 8,320
INNOVATOR ETFS TRUST EQUITY DEF PROTN 45784N775 1,567,675 60,330 SH SOLE 0 0 60,330
INNOVATOR ETFS TRUST EQUIT DEFIN JUL 45783Y244 2,432,520 81,328 SH SOLE 0 0 81,328
INNOVATOR ETFS TRUST US EQTY PWR BUF 45782C508 303,176 6,126 SH SOLE 0 0 6,126
INNOVATOR ETFS TRUST US EQT ULTRA BF 45782C300 204,448 4,510 SH SOLE 0 0 4,510
INVESCO QQQ TR UNIT SER 1 46090E103 506,084 687 SH SOLE 0 0 687
ISHARES INC CORE MSCI EMKT 46434G103 5,526,044 66,707 SH SOLE 0 0 66,707
ISHARES TR US TREAS BD ETF 46429B267 8,120,933 356,494 SH SOLE 0 0 356,494
ISHARES TR MSCI USA MMENTM 46432F396 7,254,734 21,161 SH SOLE 0 0 21,161
ISHARES TR MSCI USA QLT FCT 46432F339 918,812 4,187 SH SOLE 0 0 4,187
ISHARES TR CORE S&P500 ETF 464287200 314,777 420 SH SOLE 0 0 420
ISHARES TR RUS 1000 VAL ETF 464287598 715,169 2,950 SH SOLE 0 0 2,950
ISHARES TR CORE US AGGBD ET 464287226 428,682 4,331 SH SOLE 0 0 4,331
ISHARES TR IBOXX INV CP ETF 464287242 218,140 2,000 SH SOLE 0 0 2,000
ISHARES TR PFD AND INCM SEC 464288687 202,819 6,652 SH SOLE 0 0 6,652
ISHARES TR NATIONAL MUN ETF 464288414 2,578,833 23,962 SH SOLE 0 0 23,962
ISHARES TR SHRT NAT MUN ETF 464288158 1,079,393 10,138 SH SOLE 0 0 10,138
ISHARES TR CORE 80 20 ETF 464289859 282,203 2,891 SH SOLE 0 0 2,891
JOHN HANCOCK EXCHANGE TRADED MORTGAGE BACKED 47804J792 3,913,408 178,328 SH SOLE 0 0 178,328
JPMORGAN CHASE & CO COM 46625H100 255,340 780 SH SOLE 0 0 780
MICROSOFT CORP COM 594918104 284,775 763 SH SOLE 0 0 763
REGENERON PHARMACEUTICALS COM 75886F107 3,112,858 4,992 SH SOLE 0 0 4,992
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 8,708,659 314,392 SH SOLE 0 0 314,392
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 14,908,072 440,546 SH SOLE 0 0 440,546
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 16,241,906 466,587 SH SOLE 0 0 466,587
SELECT SECTOR SPDR TR ST STR TECHN ETF 81369Y803 238,721 1,253 SH SOLE 0 0 1,253
SPDR GOLD TR GOLD SHS 78463V107 1,438,524 3,905 SH SOLE 0 0 3,905
SPDR SERIES TRUST ST STR P500VAL 78464A508 630,757 10,376 SH SOLE 0 0 10,376
STATE STR SPDR DOW JONES IND UT SER 1 78467X109 288,359 552 SH SOLE 0 0 552
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 1,219,475 1,633 SH SOLE 0 0 1,633
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 8,180,532 111,436 SH SOLE 0 0 111,436
VANGUARD INDEX FDS GROWTH ETF 922908736 716,943 8,323 SH SOLE 0 0 8,323
VANGUARD INDEX FDS VALUE ETF 922908744 217,494 998 SH SOLE 0 0 998
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 2,313,978 3,369 SH SOLE 0 0 3,369
VANGUARD INDEX FDS TOTAL STK MKT 922908769 290,481 785 SH SOLE 0 0 785
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 243,117 4,073 SH SOLE 0 0 4,073
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 767,906 15,182 SH SOLE 0 0 15,182
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 886,706 12,445 SH SOLE 0 0 12,445
VERIZON COMMUNICATIONS INC COM 92343V104 226,942 5,360 SH SOLE 0 0 5,360
WALMART INC COM 931142103 253,312 2,237 SH SOLE 0 0 2,237
WESTERN UN CO COM 959802109 80,850 10,500 SH SOLE 0 0 10,500