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
AMAZON COM INC COM Stock 023135106 199,967 839 SH SOLE 0 0 839
ISHARES MORNINGSTAR VALUE ETF ETF 464288109 441,204 4,358 SH SOLE 0 0 4,358
PRUDENTIAL FINL INC COM Stock 744320102 884,594 8,196 SH SOLE 0 0 8,196
INVESCO QQQ TRUST SERIES I ETF 46090E103 10,531,442 14,301 SH SOLE 0 0 14,301
ISHARES CORE INTERNATIONAL AGGREGATE BOND ETF ETF 46435G672 11,544,036 228,143 SH SOLE 0 0 228,143
SEAGATE TECHNOLOGY HLDNGS PLC ORD SHS Stock G7997R103 619,530 642 SH SOLE 0 0 642
VANGUARD TOTAL STOCK MARKET ETF ETF 922908769 308,172 833 SH SOLE 0 0 832
WISDOMTREE FLOATING RATE TREASURY FUND ETF 97717Y527 924,812 18,368 SH SOLE 0 0 18,367
iShares MSCI Int'l Value Factor ETF ETF 46435G409 3,569,964 85,365 SH SOLE 0 0 85,365
ISHARES MSCI EMERGING MARKETS ETF ETF 464287234 265,224 3,877 SH SOLE 0 0 3,876
ISHARES MSCI ACWI EX U.S. ETF ETF 464288240 488,017 6,412 SH SOLE 0 0 6,412
ISHARES GLOBAL GOVERNMENT BOND USD HEDGED ACTIVE ETF ETF 092528835 301,187 5,989 SH SOLE 0 0 5,989
ISHARES CORE 80/20 AGGRESSIVE ALLOCATION ETF ETF 464289859 855,003 8,760 SH SOLE 0 0 8,760
VISTRA CORP COM Stock 92840M102 321,860 2,029 SH SOLE 0 0 2,029
ISHARES EMERGING MARKETS EQUITY FACTOR ETF ETF 46434G889 1,484,028 20,257 SH SOLE 0 0 20,257
ISHARES S&P 100 ETF ETF 464287101 10,631,450 29,058 SH SOLE 0 0 29,058
SUPER MICRO COMPUTER INC COM NEW Stock 86800U302 202,113 6,891 SH SOLE 0 0 6,891
MARVELL TECHNOLOGY INC COM Stock 573874104 485,859 1,631 SH SOLE 0 0 1,631
GLOBAL X U.S. INFRASTRUCTURE DEVELOPMENT ETF ETF 37954Y673 1,606,100 27,259 SH SOLE 0 0 27,259
ISHARES ESG AWARE MSCI USA ETF ETF 46435G425 1,611,004 9,843 SH SOLE 0 0 9,843
INVESCO S&P 500 MOMENTUM ETF ETF 46138E339 2,609,840 16,156 SH SOLE 0 0 16,156
STATE STREET HEALTH CARE SELECT SECTOR SPDR ETF ETF 81369Y209 271,626 1,712 SH SOLE 0 0 1,712
SCHWAB INTERNATIONAL EQUITY ETF ETF 808524805 16,857,209 608,563 SH SOLE 0 0 608,563
SCHWAB U.S. LARGE-CAP ETF ETF 808524201 446,129 15,159 SH SOLE 0 0 15,159
INVESCO BULLETSHARES 2027 CORPORATE BOND ETF ETF 46138J783 10,676,484 544,302 SH SOLE 0 0 544,301
FIRST TRUST NASDAQ CLEAN EDGE SMART GRID INFRASTRUCTURE INDEX ETF 33737A108 5,598,525 29,197 SH SOLE 0 0 29,197
SCHWAB U.S. LARGE-CAP GROWTH ETF ETF 808524300 19,080,991 563,859 SH SOLE 0 0 563,859
JPMORGAN U.S. MOMENTUM FACTOR ETF ETF 46641Q779 854,258 9,996 SH SOLE 0 0 9,996
ISHARES CORE S&P SMALL CAP ETF ETF 464287804 209,647 1,414 SH SOLE 0 0 1,413
ISHARES CORE MSCI INTERNATIONAL DEVELOPED MARKETS ETF ETF 46435G326 6,971,530 78,323 SH SOLE 0 0 78,323
VANGUARD INTERMEDIATE-TERM CORPORATE BOND ETF ETF 92206C870 230,015 2,783 SH SOLE 0 0 2,783
ALPHABET INC CAP STK CL A Stock 02079K305 410,262 1,148 SH SOLE 0 0 1,148
ISHARES U.S. INFRASTRUCTURE ETF ETF 46435U713 871,591 13,826 SH SOLE 0 0 13,826
MICROSOFT CORP COM Stock 594918104 1,379,515 3,698 SH SOLE 0 0 3,698
ISHARES EUROPE ETF ETF 464287861 1,893,663 25,994 SH SOLE 0 0 25,994
INVESCO BULLETSHARES 2026 CORPORATE BOND ETF ETF 46138J791 4,682,759 239,834 SH SOLE 0 0 239,833
SPDR GOLD MINISHARES TRUST OF BENEFICIAL INTEREST ETF 98149E303 1,982,006 24,956 SH SOLE 0 0 24,956
INVESCO BULLETSHARES 2028 CORPORATE BOND ETF ETF 46138J643 5,737,236 281,720 SH SOLE 0 0 281,720
VANGUARD LONG-TERM TREASURY ETF ETF 92206C847 581,873 10,545 SH SOLE 0 0 10,545
ISHARES MSCI EMERGING MARKETS EX CHINA ETF ETF 46434G764 2,467,067 24,116 SH SOLE 0 0 24,116
DELL TECHNOLOGIES INC CL C Stock 24703L202 311,083 721 SH SOLE 0 0 721
ALERIAN MLP ETF ETF 00162Q452 258,680 4,989 SH SOLE 0 0 4,989
VANGUARD INFORMATION TECHNOLOGY ETF ETF 92204A702 751,305 6,286 SH SOLE 0 0 6,286
PALOMAR HLDGS INC COM Stock 69753M105 295,121 2,335 SH SOLE 0 0 2,335
VANGUARD S&P 500 ETF ETF 922908363 27,824,212 40,512 SH SOLE 0 0 40,512
ISHARES U.S. EQUITY FACTOR ROTATION ACTIVE ETF ETF 09290C103 7,236,536 106,404 SH SOLE 0 0 106,404
ISHARES ESG MSCI USA LEADERS ETF ETF 46435U218 2,321,043 17,483 SH SOLE 0 0 17,483
JPMORGAN CORE PLUS BOND ETF ETF 46641Q670 21,575,867 459,648 SH SOLE 0 0 459,647
ISHARES 0-5 YEAR TIPS BOND ETF ETF 46429B747 245,184 2,400 SH SOLE 0 0 2,400
ISHARES MSCI EAFE GROWTH ETF ETF 464288885 4,880,211 39,224 SH SOLE 0 0 39,223
PIMCO INVESTMENT GRADE CORPORATE BOND INDEX ETF ETF 72201R817 214,343 2,212 SH SOLE 0 0 2,212
INVESCO BULLETSHARES 2029 CORPORATE BOND ETF ETF 46138J577 764,536 41,159 SH SOLE 0 0 41,159
VANGUARD RUSSELL 1000 VALUE ETF ETF 92206C714 19,531,911 183,726 SH SOLE 0 0 183,726
AVANTIS EMERGING MARKETS EQUITY ETF ETF 025072604 893,980 9,265 SH SOLE 0 0 9,265
INVESCO BULLETSHARES 2026 MUNICIPAL BOND ETF ETF 46138J510 585,470 24,866 SH SOLE 0 0 24,866
ISHARES RUSSELL 2000 ETF ETF 464287655 10,074,089 33,530 SH SOLE 0 0 33,530
INVESCO BULLETSHARES 2027 MUNICIPAL BOND ETF ETF 46138J494 578,045 24,452 SH SOLE 0 0 24,452
INVESCO BULLETSHARES 2028 MUNICIPAL BOND ETF ETF 46138J486 510,547 21,781 SH SOLE 0 0 21,781
STATE STREET SPDR S&P AEROSPACE & DEFENSE ETF ETF 78464A631 317,845 1,120 SH SOLE 0 0 1,120
MICRON TECHNOLOGY INC COM Stock 595112103 235,009 204 SH SOLE 0 0 203
BNY MELLON US LARGE CAP CORE EQUITY ETF ETF 09661T107 336,536 2,347 SH SOLE 0 0 2,347
COHERENT CORP COM Stock 19247G107 290,724 737 SH SOLE 0 0 737
INVESCO BULLETSHARES 2030 CORPORATE BOND ETF ETF 46138J460 269,932 16,217 SH SOLE 0 0 16,217
SCHWAB US AGGREGATE BOND ETF ETF 808524839 9,158,578 395,961 SH SOLE 0 0 395,961
ISHARES MSCI EAFE VALUE ETF ETF 464288877 6,376,345 83,296 SH SOLE 0 0 83,296
T. ROWE PRICE U.S. EQUITY RESEARCH ETF ETF 87283Q503 36,273,232 763,165 SH SOLE 0 0 763,165
ISHARES MSCI USA MIN VOL FACTOR ETF ETF 46429B697 280,120 2,904 SH SOLE 0 0 2,904
VANGUARD GROWTH ETF ETF 922908736 246,360 2,860 SH SOLE 0 0 2,860
ISHARES U.S. TREASURY BOND ETF ETF 46429B267 465,236 20,423 SH SOLE 0 0 20,423
JPMORGAN INCOME ETF ETF 46641Q159 6,465,977 140,412 SH SOLE 0 0 140,412
VANECK SEMICONDUCTOR ETF ETF 92189F676 10,341,418 15,767 SH SOLE 0 0 15,767
T. ROWE PRICE TOTAL RETURN ETF ETF 87283Q800 427,491 10,669 SH SOLE 0 0 10,669
ISHARES CORE S&P TOTAL U.S. STOCK MARKET ETF ETF 464287150 646,895 3,938 SH SOLE 0 0 3,938
T. ROWE PRICE QM U.S. BOND ETF ETF 87283Q602 23,887,116 562,513 SH SOLE 0 0 562,513
HARBOR COMMODITY ALL-WEATHER STRATEGY ETF ETF 41151J505 3,723,481 126,908 SH SOLE 0 0 126,908
SOUNDHOUND AI INC CLASS A COM Stock 836100107 278,521 43,048 SH SOLE 0 0 43,048
INVESCO S&P 500 TOP 50 ETF ETF 46137V233 456,776 7,460 SH SOLE 0 0 7,460
BROADCOM INC COM Stock 11135F101 1,070,998 2,835 SH SOLE 0 0 2,835
ISHARES GNMA BOND ETF ETF 46429B333 2,180,539 49,300 SH SOLE 0 0 49,300
TECHNIPFMC PLC COM Stock G87110105 200,756 3,028 SH SOLE 0 0 3,028
ISHARES U.S. THEMATIC ROTATION ACTIVE ETF ETF 09290C806 813,744 18,876 SH SOLE 0 0 18,876
ISHARES AAA CLO ACTIVE ETF ETF 092528504 6,649,584 128,098 SH SOLE 0 0 128,098
NVIDIA CORPORATION COM Stock 67066G104 1,079,638 5,396 SH SOLE 0 0 5,395
WESTERN DIGITAL CORP COM Stock 958102105 735,167 1,151 SH SOLE 0 0 1,151
ISHARES CORE MSCI EMERGING MARKETS ETF ETF 46434G103 14,942,345 180,376 SH SOLE 0 0 180,375
ISHARES FLEXIBLE INCOME ACTIVE ETF ETF 092528603 2,715,713 51,886 SH SOLE 0 0 51,886
BONDBLOXX BLOOMBERG TEN YEAR TARGET DURATION US TREASURY ETF ETF 09789C812 940,498 20,634 SH SOLE 0 0 20,634
T. ROWE PRICE SMALL-MID CAP ETF ETF 87283Q826 14,476,595 330,139 SH SOLE 0 0 330,139
ROCKWELL AUTOMATION INC COM Stock 773903109 352,497 712 SH SOLE 0 0 712
VICTORYSHARES FREE CASH FLOW ETF ETF 92647X830 391,477 8,557 SH SOLE 0 0 8,556
T. ROWE PRICE U.S. HIGH YIELD ETF ETF 87283Q875 7,074,616 137,198 SH SOLE 0 0 137,198
T. ROWE PRICE INTERNATIONAL EQUITY ETF ETF 87283Q834 4,591,930 119,675 SH SOLE 0 0 119,675
GLOBAL X DEFENSE TECH ETF ETF 37960A529 253,051 4,238 SH SOLE 0 0 4,238
VANECK INDIA GROWTH LEADERS ETF ETF 92189F767 4,391,274 94,436 SH SOLE 0 0 94,436
AT&T INC COM Stock 00206R102 496,386 23,980 SH SOLE 0 0 23,980
VANGUARD INTERMEDIATE-TERM BOND ETF ETF 921937819 3,262,204 42,532 SH SOLE 0 0 42,532
WISDOMTREE U.S. MIDCAP DIVIDEND FUND ETF 97717W505 201,550 3,566 SH SOLE 0 0 3,566
VANGUARD EMERGING MARKETS GOVERNMENT BOND ETF ETF 921946885 454,408 6,758 SH SOLE 0 0 6,758
ISHARES MSCI USA QUALITY FACTOR ETF ETF 46432F339 9,865,052 44,958 SH SOLE 0 0 44,957
STATE STREET INDUSTRIAL SELECT SECTOR SPDR ETF ETF 81369Y704 251,357 1,357 SH SOLE 0 0 1,357
EXPEDIA GROUP INC COM NEW Stock 30212P303 226,710 886 SH SOLE 0 0 886
ISHARES U.S. TECHNOLOGY ETF ETF 464287721 10,767,145 42,688 SH SOLE 0 0 42,687
ISHARES EXPANDED TECH-SOFTWARE SECTOR ETF ETF 464287515 365,209 4,031 SH SOLE 0 0 4,031
PROSHARES S&P 500 DIVIDEND ARISTOCRATS ETF ETF 74348A467 735,134 13,090 SH SOLE 0 0 13,090
ISHARES S&P 500 VALUE ETF ETF 464287408 4,823,209 21,242 SH SOLE 0 0 21,242
ISHARES S&P 500 GROWTH ETF ETF 464287309 7,828,208 56,920 SH SOLE 0 0 56,920
ISHARES CORE S&P 500 ETF ETF 464287200 577,394 771 SH SOLE 0 0 771
ISHARES A.I. INNOVATION AND TECH ACTIVE ETF ETF 09290C780 1,395,446 26,469 SH SOLE 0 0 26,469
LAMAR ADVERTISING CO CL A REIT 512816109 248,164 1,591 SH SOLE 0 0 1,591
ISHARES GOVERNMENT/CREDIT BOND ETF ETF 464288596 225,201 2,169 SH SOLE 0 0 2,169
ISHARES MBS ETF ETF 464288588 2,080,385 22,010 SH SOLE 0 0 22,010
ISHARES 10-20 YEAR TREASURY BOND ETF ETF 464288653 249,269 2,484 SH SOLE 0 0 2,484
SALESFORCE INC COM Stock 79466L302 204,226 1,304 SH SOLE 0 0 1,303
THERMO FISHER SCIENTIFIC INC COM Stock 883556102 203,552 406 SH SOLE 0 0 406
STATE STREET SPDR PORTFOLIO EMERGING MARKETS ETF ETF 78463X509 220,479 4,258 SH SOLE 0 0 4,258
MONOLITHIC PWR SYS INC COM Stock 609839105 663,750 480 SH SOLE 0 0 480
ISHARES NATIONAL MUNI BOND ETF ETF 464288414 273,140 2,538 SH SOLE 0 0 2,538
BANK OF AMER CORP COM Stock 060505104 1,048,432 18,400 SH SOLE 0 0 18,400
VANGUARD FTSE EMERGING MARKETS ETF ETF 922042858 6,029,526 101,014 SH SOLE 0 0 101,014
ISHARES INTERNATIONAL COUNTRY ROTATION ACTIVE ETF ETF 09290C764 789,279 21,565 SH SOLE 0 0 21,565
3M CO COM Stock 88579Y101 452,377 2,794 SH SOLE 0 0 2,794
KLA CORP COM NEW Stock 482480100 752,600 2,494 SH SOLE 0 0 2,494
KRANESHARES GLOBAL HUMANOID ROBOTICS AND PHYSICAL AI INDEX ETF ETF 500767751 8,292,557 201,178 SH SOLE 0 0 201,178
APPLIED MATLS INC COM Stock 038222105 687,305 951 SH SOLE 0 0 950
ISHARES LARGE CAP CORE ACTIVE ETF ETF 09290C855 640,505 12,716 SH SOLE 0 0 12,716
ARISTA NETWORKS INC COM SHS Stock 040413205 329,058 1,937 SH SOLE 0 0 1,937
WISDOMTREE QUANTUM COMPUTING FUND ETF 97717Y295 323,691 8,561 SH SOLE 0 0 8,561
ISHARES 7-10 YEAR TREASURY BOND ETF ETF 464287440 1,123,775 11,883 SH SOLE 0 0 11,883
STATE STREET SPDR PORTFOLIO S&P 500 ETF ETF 78464A854 53,721,787 611,308 SH SOLE 0 0 611,308
EATON CORP PLC SHS Stock G29183103 206,242 484 SH SOLE 0 0 484
ISHARES SYSTEMATIC ALTERNATIVES ACTIVE ETF ETF 09290C665 6,944,956 247,592 SH SOLE 0 0 247,592
ISHARES EXPANDED TECH SECTOR ETF ETF 464287549 828,369 5,064 SH SOLE 0 0 5,064
BLUEROCK PVT REAL ESTATE FD COM CEF 09631P102 1,797,171 138,138 SH SOLE 0 0 138,137
ISHARES CORE TOTAL USD BOND MARKET ETF ETF 46434V613 9,649,143 209,082 SH SOLE 0 0 209,082
DYCOM INDS INC COM Stock 267475101 205,775 407 SH SOLE 0 0 407
EMCOR GROUP INC COM Stock 29084Q100 336,931 406 SH SOLE 0 0 406
LAM RESEARCH CORP COM NEW Stock 512807306 204,098 471 SH SOLE 0 0 471
FIDELITY TOTAL BOND ETF ETF 316188309 272,273 5,985 SH SOLE 0 0 5,985
BRISTOL-MYERS SQUIBB CO COM Stock 110122108 244,309 4,240 SH SOLE 0 0 4,240
ALTRIA GROUP INC COM Stock 02209S103 250,530 3,482 SH SOLE 0 0 3,482
CITIGROUP INC COM NEW Stock 172967424 472,505 3,376 SH SOLE 0 0 3,376
ISHARES JP MORGAN USD EMERGING MARKETS BOND ETF ETF 464288281 288,741 2,994 SH SOLE 0 0 2,994
EXXONMOBIL HOLDINGS CORP COM SHS Stock 30233Q108 1,191,788 8,717 SH SOLE 0 0 8,717
VANGUARD MEGA CAP VALUE ETF ETF 921910840 643,160 3,935 SH SOLE 0 0 3,934
ARK INNOVATION ETF ETF 00214Q104 1,355,836 16,776 SH SOLE 0 0 16,776
ISHARES MSCI INTL QUALITY FACTOR ETF ETF 46434V456 303,791 6,131 SH SOLE 0 0 6,131
SHOPIFY INC CL A SUB VTG SHS Stock 82509L107 348,706 3,054 SH SOLE 0 0 3,054
VODAFONE GROUP PLC SPONSORED ADR ADR 92857W308 186,354 14,091 SH SOLE 0 0 14,091
FIRST TRUST NASDAQ CYBERSECURITY ETF ETF 33734X846 852,946 9,493 SH SOLE 0 0 9,493
LUMENTUM HLDGS INC COM Stock 55024U109 2,430,026 2,832 SH SOLE 0 0 2,832
ISHARES CORE S&P MID-CAP ETF ETF 464287507 4,761,311 61,747 SH SOLE 0 0 61,747
APPLE INC COM Stock 037833100 504,545 1,744 SH SOLE 0 0 1,743
ISHARES RUSSELL 1000 ETF ETF 464287622 1,133,087 2,767 SH SOLE 0 0 2,767
STATE STREET SPDR BLOOMBERG 1-3 MONTH T-BILL ETF ETF 78468R663 1,809,196 19,742 SH SOLE 0 0 19,742