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
iShares Flexible Income Active ISHA FLEX IN ETF 092528603 127,448 2,435 SH SOLE 2,435 0 0
Capital Group International Bo INTERNATIONAL BD 14020Y706 161,835 6,339 SH SOLE 6,339 0 0
Dimensional International Smal INTL SMALL CAP E 25434V773 66,627 1,902 SH SOLE 1,902 0 0
First Trust Institutional Pref INSTL PFD SECS 33739P855 270,697 14,033 SH SOLE 14,033 0 0
The Goldman Sachs Future Tech FUTURE TECH LEAD 38149W812 2,767 44 SH SOLE 44 0 0
Honeywell International Inc COM 438516205 15,225 68 SH SOLE 68 0 0
Invesco QQQ Trust Series 1 UNIT SER 1 46090E103 179,682 244 SH SOLE 244 0 0
Invesco Aerospace & Defense ET AEROSPACE DEFN 46137V100 80,376 455 SH SOLE 455 0 0
Invesco Nasdaq 100 ETF NASDAQ 100 ETF 46138G649 620,180 2,047 SH SOLE 2,047 0 0
iShares Core U.S. Aggregate Bo CORE US AGGBD ET 464287226 255,467 2,581 SH SOLE 2,581 0 0
iShares S&P 500 Value ETF S&P 500 VAL ETF 464287408 431,868 1,902 SH SOLE 1,902 0 0
iShares Russell Mid-Cap ETF RUS MID CAP ETF 464287499 147,829 1,340 SH SOLE 1,340 0 0
iShares MBS ETF MBS ETF 464288588 322,786 3,415 SH SOLE 3,415 0 0
iShares 1-5 Year Investment Gr ISHS 1-5YR INVS 464288646 628,448 11,991 SH SOLE 11,991 0 0
iShares MSCI EAFE Value ETF EAFE VALUE ETF 464288877 161,291 2,107 SH SOLE 2,107 0 0
iShares Aaa - A Rated Corporat A RATE CP BD ETF 46429B291 156,864 3,301 SH SOLE 3,301 0 0
iShares MSCI USA Quality Facto MSCI USA QLT FCT 46432F339 163,475 745 SH SOLE 745 0 0
iShares MSCI Emerging Markets MSCI EMRG CHN 46434G764 159,486 1,559 SH SOLE 1,559 0 0
JPMorgan Core Plus Bond ETF CORE PLUS BD ETF 46641Q670 37,270 794 SH SOLE 794 0 0
JPMorgan US Tech Leaders ETF U S TEC LEA ETF 46654Q732 117,575 1,054 SH SOLE 1,054 0 0
JPMorgan Limited Duration Bond JPMORGAM LTD DUR 46654Q773 929,660 17,813 SH SOLE 17,813 0 0
Nuveen Preferred & Income Oppo COM 67073B106 3,467,200 440,000 SH SOLE 440,000 0 0
State Street SPDR Portfolio S& ST STR P500GRW 78464A409 452,281 3,801 SH SOLE 3,801 0 0
State Street SPDR Portfolio S& ST STR P400MID 78464A847 66,344 982 SH SOLE 982 0 0
State Street SPDR Portfolio S& ST STR P500ETF 78464A854 643,809 7,326 SH SOLE 7,326 0 0
State Street SPDR Portfolio Sh ST SHO TREAS ETF 78468R101 495,955 17,096 SH SOLE 17,096 0 0
State Street SPDR Portfolio S& ST STR SP600 SML 78468R853 30,161 523 SH SOLE 523 0 0
Schwab Fundamental Internation FUNDAMENTAL INTL 808524748 2,040 42 SH SOLE 42 0 0
Schwab International Equity ET INTL EQTY ETF 808524805 573,750 20,713 SH SOLE 20,713 0 0
State Street Financial Select ST STR FINL ETF 81369Y605 106,845 1,993 SH SOLE 1,993 0 0
Pacific NoS Global EM Equity A PAC NO GL EM ETF 900934506 63,220 1,452 SH SOLE 1,452 0 0
Vanguard Short-Term Bond ETF SHORT TRM BOND 921937827 727,913 9,343 SH SOLE 9,343 0 0
Vanguard Total Bond Market ETF TOTAL BND MRKT 921937835 291,144 3,966 SH SOLE 3,966 0 0
Vanguard Total International B TOTAL INT BD ETF 92203J407 46,009 950 SH SOLE 950 0 0
Vanguard FTSE Emerging Markets FTSE EMR MKT ETF 922042858 33,964 569 SH SOLE 569 0 0
Vanguard Financials ETF FINANCIALS ETF 92204A405 1,184 9 SH SOLE 9 0 0
Vanguard Short-Term Corporate SHRT TRM CORP BD 92206C409 812,507 10,281 SH SOLE 10,281 0 0
Vanguard Intermediate-Term Cor INT-TERM CORP 92206C870 171,085 2,070 SH SOLE 2,070 0 0
Vanguard S&P 500 ETF S&P 500 ETF SHS 922908363 243,131 354 SH SOLE 354 0 0
Vanguard Morningstar Small-Cap SMALL CP ETF 922908751 78,205 258 SH SOLE 258 0 0
VictoryShares Free Cash Flow G VICT FR GROW ETF 92647X764 318,219 9,282 SH SOLE 9,282 0 0
VictoryShares Free Cash Flow E SHS FR CA FL ETF 92647X830 306,388 6,697 SH SOLE 6,697 0 0
WisdomTree India Earnings Fund INDIA ERNGS FD 97717W422 28,834 674 SH SOLE 674 0 0