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
ALPHABET INC CAP STK CL A 02079K305 448,866 1,256 SH SOLE 0 0 1,256
ALPHABET INC CAP STK CL C 02079K107 285,391 808 SH SOLE 0 0 808
AMAZON COM INC COM 023135106 430,890 1,808 SH SOLE 0 0 1,808
AMERICAN CENTY ETF TR INTL SMCP VLU 025072802 6,263,446 60,781 SH SOLE 0 0 60,781
APPLE INC COM 037833100 848,002 2,931 SH SOLE 0 0 2,931
APPLIED MATLS INC COM 038222105 226,097 313 SH SOLE 0 0 313
BANK MONTREAL MEDIUM COM 063671101 270,007 1,528 SH SOLE 0 0 1,528
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 378,295 756 SH SOLE 0 0 756
BROADCOM INC COM 11135F101 572,284 1,515 SH SOLE 0 0 1,515
CAPITAL GROUP CORE EQUITY ET SHS CREAT UNIT 14020V108 1,205,812 27,109 SH SOLE 0 0 27,109
CAPITAL GROUP DIVIDEND GROWE SHS ETF 14021L109 219,584 5,854 SH SOLE 0 0 5,854
CAPITAL GROUP DIVIDEND VALUE SHS CREAT UNIT 14020W106 1,889,285 38,338 SH SOLE 0 0 38,338
CAPITAL GROUP GROWTH ETF SHS CREAT UNIT 14020G101 1,213,846 25,717 SH SOLE 0 0 25,717
CAPITAL GROUP INTL FOCUS EQT SHS CREAT UNIT 14019W109 1,646,637 47,563 SH SOLE 0 0 47,563
CAPITAL GRP FIXED INCM ETF T SHORT DURATION 14020Y409 1,860,401 72,305 SH SOLE 0 0 72,305
CARRIER GLOBAL CORPORATION COM 14448C104 378,999 5,167 SH SOLE 0 0 5,167
CATERPILLAR INC COM 149123101 647,202 608 SH SOLE 0 0 608
CHEVRON CORPORATION COM 166764100 337,254 2,035 SH SOLE 0 0 2,035
CISCO SYS INC COM 17275R102 268,175 2,283 SH SOLE 0 0 2,283
CLEVELAND-CLIFFS INC NEW COM 185899101 396,431 42,218 SH SOLE 0 0 42,218
COCA COLA CO COM 191216100 371,300 4,569 SH SOLE 0 0 4,569
COSTCO WHOLESALE CORPORATION COM 22160K105 284,719 304 SH SOLE 0 0 304
DELL TECHNOLOGIES INC CL C 24703L202 334,626 776 SH SOLE 0 0 776
DIMENSIONAL ETF TRUST INTL CORE EQUITY 25434V799 605,175 16,242 SH SOLE 0 0 16,242
DIMENSIONAL ETF TRUST US COR EQU 2 ETF 25434V708 2,907,982 65,554 SH SOLE 0 0 65,554
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880 608,361 16,514 SH SOLE 0 0 16,514
EATON CORP PLC SHS G29183103 332,498 780 SH SOLE 0 0 780
EXXON MOBIL CORP COM 30231G102 1,233,273 9,020 SH SOLE 0 0 9,020
FIDELITY COVINGTON TRUST BLUE CHIP GRWTH 316092352 1,230,122 19,806 SH SOLE 0 0 19,806
FIDELITY COVINGTON TRUST FUN SMA MID ETF 316092295 15,988,387 418,435 SH SOLE 0 0 418,435
FIDELITY MERRIMACK STR TR AAA CLO ETF 316188838 245,760 4,900 SH SOLE 0 0 4,900
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309 657,746 14,459 SH SOLE 0 0 14,459
FIRST TR EXCHANGE-TRADED FD FST LOW OPPT EFT 33739Q200 2,321,392 46,633 SH SOLE 0 0 46,633
GENERAL DYNAMICS CORP COM 369550108 295,580 834 SH SOLE 0 0 834
ILLINOIS TOOL WKS INC COM 452308109 918,027 3,394 SH SOLE 0 0 3,394
INTEL CORP COM 458140100 212,751 1,524 SH SOLE 0 0 1,524
INVESCO QQQ TR UNIT SER 1 46090E103 221,687 301 SH SOLE 0 0 301
IONIS PHARMACEUTICALS INC COM 462222100 210,436 2,654 SH SOLE 0 0 2,654
ISHARES TR CORE DIV GRWTH 46434V621 15,662,931 206,662 SH SOLE 0 0 206,662
ISHARES TR CORE HIGH DV ETF 46429B663 2,499,461 91,188 SH SOLE 0 0 91,188
ISHARES TR CORE MSCI EAFE 46432F842 289,536 2,998 SH SOLE 0 0 2,998
ISHARES TR CORE MSCI TOTAL 46432F834 624,273 6,541 SH SOLE 0 0 6,541
ISHARES TR CORE S&P MCP ETF 464287507 1,728,366 22,414 SH SOLE 0 0 22,414
ISHARES TR CORE S&P SCP ETF 464287804 1,221,372 8,235 SH SOLE 0 0 8,235
ISHARES TR CORE S&P TTL STK 464287150 1,952,745 11,887 SH SOLE 0 0 11,887
ISHARES TR CORE S&P500 ETF 464287200 480,308 641 SH SOLE 0 0 641
ISHARES TR IBDS DEC28 ETF 46435U515 888,111 35,173 SH SOLE 0 0 35,173
ISHARES TR IBOND DEC 2030 46436E593 303,996 15,558 SH SOLE 0 0 15,558
ISHARES TR IBONDS 26 TRM TS 46436E858 2,605,855 113,843 SH SOLE 0 0 113,843
ISHARES TR IBONDS 27 ETF 46435UAA9 908,399 37,506 SH SOLE 0 0 37,506
ISHARES TR IBONDS 27 TRM TS 46436E841 2,297,316 102,696 SH SOLE 0 0 102,696
ISHARES TR IBONDS 28 TRM TS 46436E833 1,422,422 64,247 SH SOLE 0 0 64,247
ISHARES TR IBONDS 29 TRM TS 46436E825 771,510 35,636 SH SOLE 0 0 35,636
ISHARES TR IBONDS DEC 29 46436E205 427,545 18,460 SH SOLE 0 0 18,460
ISHARES TR INTL SEL DIV ETF 464288448 795,319 19,197 SH SOLE 0 0 19,197
ISHARES TR MSCI USA MIN ETF 46429B697 942,873 9,775 SH SOLE 0 0 9,775
ISHARES TR PFD AND INCM SEC 464288687 1,325,484 43,473 SH SOLE 0 0 43,473
ISHARES TR SELECT DIVID ETF 464287168 263,249 1,684 SH SOLE 0 0 1,684
J P MORGAN EXCHANGE TRADED F CORE PLUS BD ETF 46641Q670 6,779,559 144,430 SH SOLE 0 0 144,430
JOHNSON & JOHNSON COM 478160104 652,838 2,571 SH SOLE 0 0 2,571
KLA CORP COM NEW 482480100 355,200 1,177 SH SOLE 0 0 1,177
MARVELL TECHNOLOGY INC COM 573874104 265,716 892 SH SOLE 0 0 892
MCKESSON CORP COM 58155Q103 216,620 287 SH SOLE 0 0 287
MGE ENERGY INC COM 55277P104 200,469 2,459 SH SOLE 0 0 2,459
MICROSOFT CORP COM 594918104 1,919,384 5,146 SH SOLE 0 0 5,146
NEWMONT CORP COM 651639106 1,319,842 14,131 SH SOLE 0 0 14,131
NVIDIA CORPORATION COM 67066G104 797,280 3,985 SH SOLE 0 0 3,985
OUTDOOR HOLDING CO COM 00175J107 25,536 11,200 SH SOLE 0 0 11,200
PACER FDS TR US CASH COWS 100 69374H881 1,249,595 20,090 SH SOLE 0 0 20,090
PALANTIR TECHNOLOGIES INC CL A 69608A108 219,443 1,881 SH SOLE 0 0 1,881
PHILIP MORRIS INTL INC COM 718172109 273,706 1,513 SH SOLE 0 0 1,513
PROSHARES TR S&P 500 DV ARIST 74348A467 781,563 13,917 SH SOLE 0 0 13,917
PROSHARES TR S&P MDCP 400 DIV 74347B680 3,488,633 38,098 SH SOLE 0 0 38,098
QUANTA SVCS INC COM 74762E102 1,014,467 1,409 SH SOLE 0 0 1,409
RTX CORPORATION COM 75513E101 1,152,328 6,074 SH SOLE 0 0 6,074
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 7,626,551 275,327 SH SOLE 0 0 275,327
SELECT SECTOR SPDR TR ST STR UTIL ETF 81369Y886 2,753,098 60,721 SH SOLE 0 0 60,721
SPDR GOLD TR GOLD SHS 78463V107 265,592 721 SH SOLE 0 0 721
SPDR INDEX SHS FDS ST S&P INTL ETF 78463X772 225,079 4,897 SH SOLE 0 0 4,897
SPDR SERIES TRUST ST STR SP DIV 78464A763 337,342 2,217 SH SOLE 0 0 2,217
SPROTT ASSET MANAGEMENT LP PHYSICAL GOLD TR 85207H104 4,501,605 149,208 SH SOLE 0 0 149,208
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 407,114 545 SH SOLE 0 0 545
TESLA INC COM 88160R101 301,554 717 SH SOLE 0 0 717
TOYOTA MOTOR CORP ADS 892331307 230,059 1,366 SH SOLE 0 0 1,366
VANGUARD INDEX FDS MID CAP ETF 922908629 315,437 3,915 SH SOLE 0 0 3,915
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 693,844 7,195 SH SOLE 0 0 7,195
VANGUARD INDEX FDS TOTAL STK MKT 922908769 33,379,934 90,206 SH SOLE 0 0 90,206
VANGUARD INSTL INDEX FD 0 3 MO TR BI ETF 922040845 1,257,878 16,621 SH SOLE 0 0 16,621
VANGUARD MUN BD FDS INTERMEDIATE TRM 922907738 204,134 2,022 SH SOLE 0 0 2,022
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 1,420,656 6,004 SH SOLE 0 0 6,004
VANGUARD STAR FDS VG TL INTL STK F 921909768 498,536 5,832 SH SOLE 0 0 5,832
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 539,344 3,413 SH SOLE 0 0 3,413
WALMART INC COM 931142103 625,938 5,527 SH SOLE 0 0 5,527
WEC ENERGY GROUP INC COM 92939U106 243,364 2,084 SH SOLE 0 0 2,084
WHEATON PRECIOUS METALS CORP COM 962879102 2,250,565 20,037 SH SOLE 0 0 20,037
WP CAREY INC COM 92936U109 528,533 7,392 SH SOLE 0 0 7,392