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
GLOBAL X FDS 1 3 MO T BI ET 37960A438 390,323 3,890 SH SOLE 3,890 0 0
INVESCO EXCH TRADED FD TR II PFD ETF 46138E511 304,279 28,070 SH SOLE 28,070 0 0
INVESCO EXCH TRADED FD TR II S&P MIDCP LOW 46138E198 735,533 11,089 SH SOLE 11,089 0 0
ISHARES TR MSCI EAFE MIN VL 46429B689 687,296 7,836 SH SOLE 7,836 0 0
ISHARES INC MSCI GBL MIN VOL 464286525 1,361,965 11,328 SH SOLE 11,328 0 0
PFIZER INC COM 717081103 222,307 9,232 SH SOLE 9,232 0 0
SCHWAB STRATEGIC TR US REIT ETF 808524847 545,871 23,052 SH SOLE 23,052 0 0
SPDR SERIES TRUST ST STR R2K LOWV 78468R887 728,748 4,631 SH SOLE 4,631 0 0
US BANCORP COM NEW 902973304 271,256 4,491 SH SOLE 4,491 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 602,511 10,094 SH SOLE 10,094 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 303,790 7,175 SH SOLE 7,175 0 0
WISDOMTREE TR FLOATNG RAT TREA 97717Y527 2,566,138 50,966 SH SOLE 50,966 0 0
FIDELITY COVINGTON TRUST ENHANCED INTL 31609A404 242,364 6,039 SH SOLE 6,039 0 0
ISHARES TR 0-5YR HI YL CP 46434V407 487,036 11,484 SH SOLE 11,484 0 0
ISHARES TR 0-5 YR TIPS ETF 46429B747 2,367,354 23,173 SH SOLE 23,173 0 0
ISHARES TR CORE S&P500 ETF 464287200 1,328,531 1,774 SH SOLE 1,774 0 0
ISHARES TR CORE S&P SCP ETF 464287804 613,558 4,137 SH SOLE 4,137 0 0
ISHARES TR CYBERSECURITY 46435U135 263,056 4,333 SH SOLE 4,333 0 0
ISHARES TR S&P 100 ETF 464287101 547,342 1,496 SH SOLE 1,496 0 0
OMEGA HEALTHCARE INVS INC COM 681936100 2,322,588 48,712 SH SOLE 48,712 0 0
SPDR SERIES TRUST ST STR CONV ETF 78464A359 960,568 8,909 SH SOLE 8,909 0 0
SPDR SERIES TRUST ST STR BLO 1 ETF 78468R663 270,338 2,950 SH SOLE 2,950 0 0
SPDR SERIES TRUST ST SHOR CORP ETF 78464A474 1,681,250 56,023 SH SOLE 56,023 0 0
SPDR SERIES TRUST ST STR R1K LOWV 78468R804 1,000,752 5,515 SH SOLE 5,515 0 0
SELECT SECTOR SPDR TR ST STR UTIL ETF 81369Y886 212,191 4,680 SH SOLE 4,680 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 490,913 6,890 SH SOLE 6,890 0 0
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 1,738,962 11,004 SH SOLE 11,004 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 599,862 6,221 SH SOLE 6,221 0 0
INVESCO EXCH TRADED FD TR II S&P500 HDL VOL 46138E362 738,553 14,527 SH SOLE 14,527 0 0
GLOBAL X FDS RBTCS ARTFL INTE 37954Y715 490,602 12,931 SH SOLE 12,931 0 0
SPDR INDEX SHS FDS ST PORT MARK ETF 78463X509 1,217,192 23,507 SH SOLE 23,507 0 0
SPDR SERIES TRUST ST STR RATE ETF 78468R200 1,329,141 43,084 SH SOLE 43,084 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 596,465 1,192 SH SOLE 1,192 0 0
RBB FD INC US TRSRY 6 MNTH 74933W460 272,500 5,450 SH SOLE 5,450 0 0
SPDR INDEX SHS FDS ST STR MSCI EM 78463X426 242,397 3,033 SH SOLE 3,033 0 0
SPDR SERIES TRUST ST STR SP500DIV 78468R788 205,344 4,304 SH SOLE 4,304 0 0
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 969,779 10,953 SH SOLE 10,953 0 0
VANGUARD INTL EQUITY INDEX F FTSE PACIFIC ETF 922042866 654,227 5,655 SH SOLE 5,655 0 0
VANGUARD INDEX FDS LARGE CAP ETF 922908637 677,159 1,969 SH SOLE 1,969 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 2,679,194 33,253 SH SOLE 33,253 0 0
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 231,471 2,971 SH SOLE 2,971 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 331,531 4,195 SH SOLE 4,195 0 0
WISDOMTREE TR EUROPE HEDGED EQ 97717X701 634,467 11,131 SH SOLE 11,131 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 290,932 10,046 SH SOLE 10,046 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 851,888 3,909 SH SOLE 3,909 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 560,539 6,693 SH SOLE 6,693 0 0
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854 690,036 27,982 SH SOLE 27,982 0 0
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 2,171,607 2,908 SH SOLE 2,908 0 0
ELI LILLY & CO COM 532457108 218,296 182 SH SOLE 182 0 0
ISHARES TR MRGSTR MD CP VAL 464288406 247,816 2,712 SH SOLE 2,712 0 0
SPDR SERIES TRUST ST INTER BD ETF 78464A375 579,193 17,310 SH SOLE 17,310 0 0
VANGUARD WELLINGTON FD SHORT TRM TAX EX 921935870 204,342 2,017 SH SOLE 2,017 0 0
WISDOMTREE TR EMER MKT HIGH FD 97717W315 562,106 10,450 SH SOLE 10,450 0 0
WISDOMTREE TR US MIDCAP DIVID 97717W505 285,991 5,060 SH SOLE 5,060 0 0
FIRST TR EXCHANGE-TRADED FD NASDQ CLN EDGE 33737A108 228,566 1,192 SH SOLE 1,192 0 0
ISHARES TR ESG OPTIMIZED 464288802 230,679 1,495 SH SOLE 1,495 0 0
SPDR INDEX SHS FDS ST STR PO EX ETF 78463X889 532,824 10,574 SH SOLE 10,574 0 0
SPDR SERIES TRUST ST STR P500VAL 78464A508 535,925 8,816 SH SOLE 8,816 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 337,047 4,078 SH SOLE 4,078 0 0
MICROSOFT CORP COM 594918104 553,935 1,485 SH SOLE 1,485 0 0
ISHARES TR ISHS 1-5YR INVS 464288646 219,598 4,190 SH SOLE 4,190 0 0
ISHARES TR FLTG RATE NT ETF 46429B655 696,833 13,650 SH SOLE 13,650 0 0
ISHARES TR S&P 500 GRWT ETF 464287309 297,615 2,164 SH SOLE 2,164 0 0
SPDR SERIES TRUST ST SHO TREAS ETF 78468R101 600,449 20,698 SH SOLE 20,698 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 532,345 6,180 SH SOLE 6,180 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 362,228 1,195 SH SOLE 1,195 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 273,087 8,612 SH SOLE 8,612 0 0
SPDR SERIES TRUST ST STR P500ETF 78464A854 612,611 6,971 SH SOLE 6,971 0 0
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 355,178 6,022 SH SOLE 6,022 0 0
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 227,504 3,909 SH SOLE 3,909 0 0
WISDOMTREE TR DYNAMIC INTL EQT 97717X263 282,298 6,113 SH SOLE 6,113 0 0
INVESCO EXCH TRADED FD TR II S&P SMLCP LOW 46138G102 215,297 4,108 SH SOLE 4,108 0 0
SPDR SERIES TRUST ST PORT HIGH ETF 78468R606 511,484 21,821 SH SOLE 21,821 0 0
TESLA INC COM 88160R101 204,412 486 SH SOLE 486 0 0
ALPHABET INC CAP STK CL C 02079K107 209,171 592 SH SOLE 592 0 0
APPLE INC COM 037833100 432,304 1,494 SH SOLE 1,494 0 0
META PLATFORMS INC CL A 30303M102 205,038 364 SH SOLE 364 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 211,330 571 SH SOLE 571 0 0
EXXON MOBIL CORP COM 30231G102 549,204 4,017 SH SOLE 4,017 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 446,029 1,885 SH SOLE 1,885 0 0
SPDR SERIES TRUST ST STR R1K YLD 78468R770 355,478 2,775 SH SOLE 2,775 0 0
ALPHABET INC CAP STK CL A 02079K305 212,278 594 SH SOLE 594 0 0
VANGUARD WORLD FD CONSUM STP ETF 92204A207 278,480 1,235 SH SOLE 1,235 0 0
SELECT SECTOR SPDR TR ST STR CARE ETF 81369Y209 244,019 1,538 SH SOLE 1,538 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 249,640 339 SH SOLE 339 0 0
ISHARES TR MORNINGSTR US EQ 464287127 411,905 3,974 SH SOLE 3,974 0 0
BLACKROCK INC COM 09290D101 330,777 344 SH SOLE 344 0 0
INTEL CORP COM 458140100 331,621 2,375 SH SOLE 2,375 0 0
BERKSHIRE HATHAWAY INC DEL CL A 084670108 748,850 1 SH SOLE 1 0 0