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
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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
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309 4,498,812 98,897 SH SOLE 98,897 0 0
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 1,195,971 49,543 SH SOLE 49,543 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 517,289 5,364 SH SOLE 5,364 0 0
VANECK ETF TRUST FALLEN ANGEL HG 92189F437 1,719,583 58,809 SH SOLE 58,809 0 0
ISHARES TR 20 YR TR BD ETF 464287432 766,235 8,866 SH SOLE 8,866 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 692,140 24,987 SH SOLE 24,987 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 3,310,316 112,481 SH SOLE 112,481 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 905,457 26,757 SH SOLE 26,757 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 1,465,388 39,745 SH SOLE 39,745 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870 971,686 36,667 SH SOLE 36,667 0 0
FIDELITY COVINGTON TRUST ENH MID COR ETF 31609A503 344,027 8,478 SH SOLE 8,478 0 0
NVIDIA CORPORATION COM 67066G104 1,186,786 5,931 SH SOLE 5,931 0 0
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203 384,690 9,326 SH SOLE 9,326 0 0
ISHARES TR CORE MSCI EAFE 46432F842 685,776 7,101 SH SOLE 7,101 0 0
ISHARES TR CORE S&P500 ETF 464287200 8,571,283 11,445 SH SOLE 11,445 0 0
ISHARES TR CORE S&P MCP ETF 464287507 1,636,637 21,225 SH SOLE 21,225 0 0
ISHARES TR CORE S&P SCP ETF 464287804 1,396,262 9,414 SH SOLE 9,414 0 0
GLOBAL X FDS DATA CTR DIG ETF 37954Y236 638,099 21,011 SH SOLE 21,011 0 0
ISHARES TR TIPS BD ETF 464287176 338,192 3,090 SH SOLE 3,090 0 0
VANECK ETF TRUST CLO ETF 92189H748 230,332 4,350 SH SOLE 4,350 0 0
ISHARES TR CORE DIV GRWTH 46434V621 376,203 4,964 SH SOLE 4,964 0 0
ISHARES INC CORE MSCI EMKT 46434G103 566,721 6,841 SH SOLE 6,841 0 0
ISHARES TR CORE MSCI TOTAL 46432F834 221,572 2,322 SH SOLE 2,322 0 0
ISHARES TR MSCI USA QLT FCT 46432F339 349,993 1,595 SH SOLE 1,595 0 0
ADVANCED MICRO DEVICES INC COM 007903107 287,550 495 SH SOLE 495 0 0
ALPHABET INC CAP STK CL A 02079K305 881,949 2,468 SH SOLE 2,468 0 0
AMAZON COM INC COM 023135106 947,878 3,977 SH SOLE 3,977 0 0
APPLE INC COM 037833100 1,939,340 6,702 SH SOLE 6,702 0 0
BANK OF AMER CORP COM 060505104 966,089 16,955 SH SOLE 16,955 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 488,881 977 SH SOLE 977 0 0
BROADCOM INC COM 11135F101 293,833 778 SH SOLE 778 0 0
COCA COLA CO COM 191216100 344,112 4,234 SH SOLE 4,234 0 0
ELI LILLY & CO COM 532457108 3,259,958 2,718 SH SOLE 2,718 0 0
EXXON MOBIL CORP COM 30231G102 205,883 1,506 SH SOLE 1,506 0 0
MICROSOFT CORP COM 594918104 1,227,286 3,290 SH SOLE 3,290 0 0
WALMART INC COM 931142103 235,602 2,080 SH SOLE 2,080 0 0
FIDELITY COVINGTON TRUST BLUE CHIP GRWTH 316092352 1,683,816 27,110 SH SOLE 27,110 0 0
PALANTIR TECHNOLOGIES INC CL A 69608A108 255,507 2,190 SH SOLE 2,190 0 0
PROSHARES TR ULTRAPRO QQQ 74347X831 518,821 6,405 SH SOLE 6,405 0 0
VANGUARD WORLD FD EXTENDED DUR 921910709 5,225,328 80,291 SH SOLE 80,291 0 0
ISHARES TR 0-5 YR TIPS ETF 46429B747 499,027 4,885 SH SOLE 4,885 0 0
ISHARES GOLD TR ISHARES NEW 464285204 507,201 6,717 SH SOLE 6,717 0 0
ISHARES SILVER TR ISHARES 46428Q109 352,046 6,584 SH SOLE 6,584 0 0
ISHARES TR IBOXX HI YD ETF 464288513 400,790 5,012 SH SOLE 5,012 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 823,330 22,788 SH SOLE 22,788 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 419,012 569 SH SOLE 569 0 0
SPDR SERIES TRUST ST STR P400MID 78464A847 1,808,197 26,764 SH SOLE 26,764 0 0
GRAPHIC PACKAGING HLDG CO COM 388689101 1,996,041 188,840 SH SOLE 188,840 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 1,686,585 23,671 SH SOLE 23,671 0 0
ISHARES TR ISHARES SEMICDTR 464287523 317,846 496 SH SOLE 496 0 0
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 347,248 465 SH SOLE 465 0 0
INVESCO EXCHANGE TRADED FD T S&P500 QUALITY 46137V241 434,464 4,822 SH SOLE 4,822 0 0
RYDER SYS INC COM 783549108 553,126 2,097 SH SOLE 2,097 0 0
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 710,437 20,409 SH SOLE 20,409 0 0
PIMCO ETF TR MUNI INCOME OPP 72201R635 648,465 14,171 SH SOLE 14,171 0 0
PIMCO ETF TR INTER MUN BD ACT 72201R866 735,410 13,981 SH SOLE 13,981 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 265,488 5,249 SH SOLE 5,249 0 0