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
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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
AGNICO EAGLE MINES LTD COM 008474108 239,521 1,544 SH SOLE 0 0 1,544
APPLE INC COM 037833100 541,393 1,871 SH SOLE 0 0 1,871
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 209,664 419 SH SOLE 0 0 419
BROADCOM INC COM 11135F101 255,737 677 SH SOLE 0 0 677
CAPITAL GROUP DIVIDEND VALUE SHS CREAT UNIT 14020W106 10,963,284 222,469 SH SOLE 5,155 0 217,314
CAPITAL GROUP GROWTH ETF SHS CREAT UNIT 14020G101 10,884,042 230,594 SH SOLE 5,200 0 225,394
COLUMBIA ETF TR I RESH ENHNC COR 19761L706 284,046 6,563 SH SOLE 0 0 6,563
EXXON MOBIL CORP COM 30231G102 397,581 2,908 SH SOLE 0 0 2,908
FS CREDIT OPPORTUNITIES CORP COMMON STOCK 30290Y101 79,419 15,916 SH SOLE 0 0 15,916
ISHARES TR 0-3 MTH TREASURY 46436E718 645,797 6,415 SH SOLE 0 0 6,415
ISHARES TR CORE MSCI EAFE 46432F842 30,837,755 319,298 SH SOLE 4,997 0 314,301
J P MORGAN EXCHANGE TRADED F ULTRA SHRT ETF 46641Q837 4,479,010 88,571 SH SOLE 0 0 88,571
PIMCO ETF TR ULTR SH GO AC FD 72201R577 389,994 3,864 SH SOLE 0 0 3,864
SELECT SECTOR SPDR TR ST STR REAL ETF 81369Y860 23,240,273 527,828 SH SOLE 8,361 0 519,467
SMARTRENT INC COM CL A 83193G107 20,701 17,396 SH SOLE 0 0 17,396
SPDR SERIES TRUST ST STR BLO 1 ETF 78468R663 4,421,785 48,252 SH SOLE 0 0 48,252
SPDR SERIES TRUST ST STR SP600SM C 78464A300 31,470,068 288,425 SH SOLE 4,510 0 283,915
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 61,330,477 82,128 SH SOLE 1,285 0 80,843
T ROWE PRICE EXCHANGE-TRADED CAP APPRECIATION 87283Q867 311,971 7,590 SH SOLE 0 0 7,590
T ROWE PRICE EXCHANGE-TRADED SMALL MID CAP 87283Q826 253,225 5,775 SH SOLE 0 0 5,775
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 225,960 329 SH SOLE 0 0 329
WALMART INC COM 931142103 242,263 2,139 SH SOLE 0 0 2,139