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
AMAZON COM INC COM Stock 023135106 247,874 1,040 SH SOLE 0 0 0 1,040
INVESCO QQQ TRUST SERIES I ETF 46090E103 5,478,816 7,440 SH SOLE 0 0 0 7,440
EBAY INC. COM Stock 278642103 767,834 6,871 SH SOLE 0 0 0 6,871
VANGUARD MORNINGSTAR TOTAL STOCK MARKET ETF ETF 922908769 55,894,160 151,049 SH SOLE 0 0 0 151,048
VANGUARD EXTENDED MARKET ETF ETF 922908652 211,494 859 SH SOLE 0 0 0 859
COSTCO WHOLESALE CORPORATION COM Stock 22160K105 855,052 914 SH SOLE 0 0 0 914
VANGUARD REAL ESTATE ETF ETF 922908553 267,015 2,769 SH SOLE 0 0 0 2,769
US FOODS HLDG CORP COM Stock 912008109 905,219 8,853 SH SOLE 0 0 0 8,853
STATE STREET SPDR S&P 500 ETF ETF 78462F103 7,311,853 9,791 SH SOLE 0 0 0 9,791
MCKESSON CORP COM Stock 58155Q103 634,704 840 SH SOLE 0 0 0 840
UNITED RENTALS INC COM Stock 911363109 279,824 247 SH SOLE 0 0 0 247
STEEL DYNAMICS INC COM Stock 858119100 805,864 3,512 SH SOLE 0 0 0 3,512
EMERSON ELEC CO COM Stock 291011104 343,560 2,400 SH SOLE 0 0 0 2,400
ISHARES EMERGING MARKETS EQUITY FACTOR ETF ETF 46434G889 5,050,398 68,938 SH SOLE 0 0 0 68,938
CORNING INC COM Stock 219350105 255,430 1,000 SH SOLE 0 0 0 1,000
BANK OF NY MELLON CORP COM Stock 064058100 876,915 6,064 SH SOLE 0 0 0 6,064
VANGUARD FTSE ALL-WORLD EX-US SMALL-CAP ETF ETF 922042718 436,486 2,829 SH SOLE 0 0 0 2,829
LAUREATE ED INC COMMON STOCK Stock 518613203 796,062 21,918 SH SOLE 0 0 0 21,918
TRANE TECHNOLOGIES PLC SHS Stock G8994E103 572,201 1,165 SH SOLE 0 0 0 1,165
XCEL ENERGY INC COM Stock 98389B100 377,410 4,700 SH SOLE 0 0 0 4,700
STATE STREET SPDR BLOOMBERG CONVERTIBLE SECURITIES ETF ETF 78464A359 215,640 2,000 SH SOLE 0 0 0 2,000
SCHWAB INTERNATIONAL EQUITY ETF ETF 808524805 19,479,000 703,213 SH SOLE 0 0 0 703,213
FORTINET INC COM Stock 34959E109 292,800 1,906 SH SOLE 0 0 0 1,906
SCHWAB EMERGING MARKETS EQUITY ETF ETF 808524706 6,918,916 190,814 SH SOLE 0 0 0 190,814
GATES INDL CORP LTD COM SHS Stock G39104107 529,192 18,920 SH SOLE 0 0 0 18,920
VICTORY CAP HLDGS INC DEL COM CL A Stock 92645B103 652,642 7,764 SH SOLE 0 0 0 7,764
ALPHABET INC CAP STK CL A Stock 02079K305 452,430 1,266 SH SOLE 0 0 0 1,266
OREILLY AUTOMOTIVE INC COM Stock 67103H107 381,068 4,138 SH SOLE 0 0 0 4,138
MICROSOFT CORP COM Stock 594918104 1,420,460 3,808 SH SOLE 0 0 0 3,808
VALERO ENERGY CORP COM Stock 91913Y100 1,008,684 3,873 SH SOLE 0 0 0 3,873
GARRETT MOTION INC COM Stock 366505105 1,309,787 36,152 SH SOLE 0 0 0 36,152
VANGUARD MORNINGSTAR SMALL-CAP ETF ETF 922908751 1,484,509 4,897 SH SOLE 0 0 0 4,897
VANGUARD MORNINGSTAR MID-CAP ETF ETF 922908629 3,325,688 41,277 SH SOLE 0 0 0 41,277
JPMORGAN U.S. QUALITY FACTOR ETF ETF 46641Q761 5,630,178 77,894 SH SOLE 0 0 0 77,894
VANGUARD FTSE EUROPE ETF ETF 922042874 4,570,081 51,616 SH SOLE 0 0 0 51,616
AMPHENOL CORP CL A Stock 032095101 1,070,615 6,072 SH SOLE 0 0 0 6,072
VANGUARD S&P 500 ETF ETF 922908363 11,176,459 16,273 SH SOLE 0 0 0 16,273
GENERAL MTRS CO COM Stock 37045V100 908,773 11,790 SH SOLE 0 0 0 11,790
INVESCO S&P 500 EQUAL WEIGHT ETF ETF 46137V357 466,392 2,192 SH SOLE 0 0 0 2,192
INVESCO S&P 500 LOW VOLATILITY ETF ETF 46138E354 406,947 5,433 SH SOLE 0 0 0 5,433
QUANTA SVCS INC COM Stock 74762E102 1,214,707 1,687 SH SOLE 0 0 0 1,687
MARATHON PETE CORP COM Stock 56585A102 586,507 2,294 SH SOLE 0 0 0 2,294
VANGUARD FTSE PACIFIC ETF ETF 922042866 5,737,993 49,598 SH SOLE 0 0 0 49,598
VANGUARD MORNINGSTAR SMALL-CAP VALUE ETF ETF 922908611 805,998 3,317 SH SOLE 0 0 0 3,317
SCHWAB US AGGREGATE BOND ETF ETF 808524839 5,709,363 246,838 SH SOLE 0 0 0 246,838
VANGUARD MORNINGSTAR MID-CAP GROWTH ETF ETF 922908538 1,356,909 4,430 SH SOLE 0 0 0 4,430
PIMCO DYNAMIC INCOME OPRNTS FD COM BEN SHS CEF 69355M107 362,783 27,442 SH SOLE 0 0 0 27,442
ISHARES MSCI EMERGING MARKETS MIN VOL FACTOR ETF ETF 464286533 1,013,495 13,463 SH SOLE 0 0 0 13,463
VANGUARD ULTRA-SHORT BOND ETF ETF 92203C303 5,839,990 117,316 SH SOLE 0 0 0 117,316
ISHARES MSCI EAFE MIN VOL FACTOR ETF ETF 46429B689 2,704,099 30,830 SH SOLE 0 0 0 30,830
ROCKET LAB CORP COM Stock 773121108 1,525,360 15,006 SH SOLE 0 0 0 15,006
ISHARES MSCI USA MIN VOL FACTOR ETF ETF 46429B697 3,107,073 32,211 SH SOLE 0 0 0 32,211
JACKSON FINANCIAL INC COM CL A Stock 46817M107 584,442 5,708 SH SOLE 0 0 0 5,708
PIMCO ACTIVE BOND EXCHANGE-TRADED FUND ETF 72201R775 7,612,950 82,561 SH SOLE 0 0 0 82,561
VANGUARD MORNINGSTAR VALUE ETF ETF 922908744 272,848 1,252 SH SOLE 0 0 0 1,252
VANGUARD MORNINGSTAR GROWTH ETF ETF 922908736 276,509 3,210 SH SOLE 0 0 0 3,210
JPMORGAN INCOME ETF ETF 46641Q159 5,443,156 118,201 SH SOLE 0 0 0 118,201
ISHARES CORE S&P TOTAL U.S. STOCK MARKET ETF ETF 464287150 5,522,100 33,616 SH SOLE 0 0 0 33,616
PIMCO DYNAMIC INCOME FD SHS CEF 72201Y101 1,618,948 96,943 SH SOLE 0 0 0 96,943
JABIL INC COM Stock 466313103 1,135,239 2,945 SH SOLE 0 0 0 2,945
INVESCO DORSEY WRIGHT SMALLCAP MOMENTUM ETF ETF 46138E842 770,761 6,054 SH SOLE 0 0 0 6,054
ISHARES CORE MSCI TOTAL INTERNATIONAL STOCK ETF ETF 46432F834 1,012,618 10,610 SH SOLE 0 0 0 10,610
TEREX CORP NEW COM Stock 880779103 928,257 12,823 SH SOLE 0 0 0 12,823
NVIDIA CORPORATION COM Stock 67066G104 1,304,787 6,521 SH SOLE 0 0 0 6,521
WESTERN DIGITAL CORP COM Stock 958102105 638,720 1,000 SH SOLE 0 0 0 1,000
ISHARES CORE MSCI EMERGING MARKETS ETF ETF 46434G103 623,951 7,532 SH SOLE 0 0 0 7,532
ARCBEST CORP COM Stock 03937C105 1,123,057 7,824 SH SOLE 0 0 0 7,824
VANGUARD TOTAL BOND MARKET ETF ETF 921937835 719,712 9,804 SH SOLE 0 0 0 9,804
VANGUARD FTSE ALL-WORLD EX-US INDEX FUND ETF 922042775 7,967,389 95,133 SH SOLE 0 0 0 95,133
INVESCO S&P MIDCAP LOW VOLATILITY ETF ETF 46138E198 1,091,792 16,460 SH SOLE 0 0 0 16,460
PHINIA INC COMMON STOCK Stock 71880K101 971,554 11,795 SH SOLE 0 0 0 11,795
MCDONALDS CORP COM Stock 580135101 215,437 797 SH SOLE 0 0 0 797
VANGUARD CORE PLUS BOND ETF ETF 922020755 6,764,377 87,197 SH SOLE 0 0 0 87,197
ADVANCED MICRO DEVICES INC COM Stock 007903107 1,365,139 2,350 SH SOLE 0 0 0 2,350
ISHARES MSCI USA QUALITY FACTOR ETF ETF 46432F339 3,400,287 15,496 SH SOLE 0 0 0 15,496
ISHARES IBOXX $ HIGH YIELD CORPORATE BOND ETF ETF 464288513 3,586,575 44,849 SH SOLE 0 0 0 44,849
ISHARES MSCI USA MOMENTUM FACTOR ETF ETF 46432F396 4,327,200 12,622 SH SOLE 0 0 0 12,622
SCHWAB FUNDAMENTAL INTERNATIONAL SMALL EQUITY ETF ETF 808524748 4,998,232 102,929 SH SOLE 0 0 0 102,929
SCHWAB FUNDAMENTAL EMERGING MARKETS EQUITY ETF ETF 808524730 5,659,122 142,619 SH SOLE 0 0 0 142,619
SCHWAB FUNDAMENTAL INTERNATIONAL EQUITY ETF ETF 808524755 8,463,390 160,413 SH SOLE 0 0 0 160,413
BREAD FINANCIAL HOLDINGS INC COM Stock 018581108 1,120,339 10,340 SH SOLE 0 0 0 10,340
INVESCO DORSEY WRIGHT MOMENTUM ETF ETF 46137V837 803,172 5,293 SH SOLE 0 0 0 5,293
VANGUARD MORNINGSTAR MID-CAP VALUE ETF ETF 922908512 975,354 4,936 SH SOLE 0 0 0 4,936
SANDISK CORP COM Stock 80004C200 757,152 333 SH SOLE 0 0 0 333
VANGUARD FTSE DEVELOPED MARKETS ETF ETF 921943858 7,686,450 107,880 SH SOLE 0 0 0 107,880
ISHARES 3-7 YEAR TREASURY BOND ETF ETF 464288661 688,609 5,863 SH SOLE 0 0 0 5,863
ORACLE CORP COM Stock 68389X105 424,995 2,900 SH SOLE 0 0 0 2,900
VANGUARD FTSE EMERGING MARKETS ETF ETF 922042858 2,966,891 49,705 SH SOLE 0 0 0 49,705
KLA CORP COM NEW Stock 482480100 1,936,978 6,420 SH SOLE 0 0 0 6,420
ISHARES MSCI USA VALUE FACTOR ETF ETF 46432F388 2,982,164 14,925 SH SOLE 0 0 0 14,925
BAKER HUGHES COMPANY CL A Stock 05722G100 723,887 13,043 SH SOLE 0 0 0 13,043
INVESCO S&P 500 PURE VALUE ETF ETF 46137V258 5,130,892 45,079 SH SOLE 0 0 0 45,079
ISHARES CORE U.S. AGGREGATE BOND ETF ETF 464287226 5,379,662 54,351 SH SOLE 0 0 0 54,351
EATON CORP PLC SHS Stock G29183103 640,884 1,504 SH SOLE 0 0 0 1,504
BORGWARNER INC COM Stock 099724106 944,274 14,221 SH SOLE 0 0 0 14,221
INVESCO DORSEY WRIGHT DEVELOPED MARKETS MOMENTUM ETF ETF 46138E875 353,902 6,331 SH SOLE 0 0 0 6,331
INVESCO DORSEY WRIGHT EMERGING MARKETS MOMENTUM ETF ETF 46138E867 1,265,478 37,894 SH SOLE 0 0 0 37,894
EXXONMOBIL HOLDINGS CORP COM SHS Stock 30233Q108 894,422 6,542 SH SOLE 0 0 0 6,542
PHOTRONICS INC COM Stock 719405102 681,406 20,947 SH SOLE 0 0 0 20,947
APPLE INC COM Stock 037833100 3,388,406 11,710 SH SOLE 0 0 0 11,710
ISHARES MSCI INTL MOMENTUM FACTOR ETF ETF 46434V449 2,935,923 55,052 SH SOLE 0 0 0 55,052
VANGUARD TOTAL WORLD STOCK ETF ETF 922042742 588,308 3,748 SH SOLE 0 0 0 3,748
ISHARES RUSSELL 1000 ETF ETF 464287622 233,825 571 SH SOLE 0 0 0 571
ISHARES RUSSELL 1000 VALUE ETF ETF 464287598 316,856 1,307 SH SOLE 0 0 0 1,307