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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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
2023 ETF SERIES TRUST PICT ENHA US ETF 900934787 1,288,747 45,140 SH SOLE 0 0 0 45,140
ADVANCED MICRO DEVICES INC COM 007903107 1,656,868 3,262 SH SOLE 0 0 0 3,262
ALPHABET INC CAP STK CL A 02079K305 303,532 936 SH SOLE 0 0 0 936
AMAZON COM INC COM 023135106 278,673 1,113 SH SOLE 0 0 0 1,113
APPLE INC COM 037833100 1,559,487 4,478 SH SOLE 0 0 0 4,478
AT&T INC COM 00206R102 493,494 21,702 SH SOLE 0 0 0 21,702
BLACKROCK ETF TRUST ISHA SYST AL ETF 09290C665 1,469,852 49,540 SH SOLE 0 0 0 49,540
BLACKROCK ETF TRUST ISHA I IN TE ETF 09290C780 8,202,815 204,457 SH SOLE 0 0 0 204,457
BLACKROCK ETF TRUST ISHA IN CTRY ETF 09290C764 15,365,125 434,780 SH SOLE 0 0 0 434,780
BLACKROCK ETF TRUST ISHARES DEFENSE 09290C699 6,871,952 229,985 SH SOLE 0 0 0 229,985
BLACKROCK ETF TRUST ISHARES US EQUIT 09290C103 23,451,530 343,059 SH SOLE 0 0 0 343,059
BLACKROCK ETF TRUST ISHA US THEM ETF 09290C806 7,172,582 164,245 SH SOLE 0 0 0 164,245
BLACKROCK ETF TRUST ISHA LA CORE ETF 09290C855 11,607,072 239,766 SH SOLE 0 0 0 239,766
BLACKROCK ETF TRUST II ISHA GLO USD ETF 092528835 964,920 19,233 SH SOLE 0 0 0 19,233
CAPITAL GRP FIXED INCM ETF T MUN HIGH ETF 14020Y805 273,882 11,120 SH SOLE 0 0 0 11,120
CION INVT CORP COM 17259U204 126,903 19,374 SH SOLE 0 0 0 19,374
CLEAN HARBORS INC COM 184496107 293,678 915 SH SOLE 0 0 0 915
DBX ETF TR XTRACK MSCI EAFE 233051200 1,011,434 18,558 SH SOLE 0 0 0 18,558
DISNEY WALT CO COM 254687106 226,721 2,004 SH SOLE 0 0 0 2,004
EXXONMOBIL HOLDINGS CORP COM SHS 30233Q108 469,814 2,636 SH SOLE 0 0 0 2,636
FIDELITY COVINGTON TRUST MSCI HLTH CARE I 316092600 489,007 5,624 SH SOLE 0 0 0 5,624
FIDELITY COVINGTON TRUST MSCI INFO TECH I 316092808 488,339 1,725 SH SOLE 0 0 0 1,725
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309 279,756 6,338 SH SOLE 0 0 0 6,338
FIRST TR EXCHNG TRADED FD VI FT VEST US EQT 33740F722 745,537 12,178 SH SOLE 0 0 0 12,178
FIRST TR EXCHNG TRADED FD VI FT VEST US EQT 33740U307 779,938 13,621 SH SOLE 0 0 0 13,621
FIRST TR EXCHNG TRADED FD VI FT VEST UQ EQT 33740U505 459,443 8,188 SH SOLE 0 0 0 8,188
FRANKLIN TEMPLETON ETF TR FTSE UNTD KGDM 35473P678 325,474 8,830 SH SOLE 0 0 0 8,830
GLOBAL X FDS S&P 500 CATHOLIC 37954Y889 282,460 3,106 SH SOLE 0 0 0 3,106
GLOBAL X FDS US INFR DEV ETF 37954Y673 663,372 12,740 SH SOLE 0 0 0 12,740
INNOVATOR ETFS TRUST EQTY DUL DRCT 10 45784N213 818,971 41,258 SH SOLE 0 0 0 41,258
INNOVATOR ETFS TRUST EQUITY DUAL DIRT 45784N510 807,289 35,898 SH SOLE 0 0 0 35,898
INTEL CORP COM 458140100 368,838 4,314 SH SOLE 0 0 0 4,314
INTERNATIONAL BUSINESS MACHS COM 459200101 341,552 1,355 SH SOLE 0 0 0 1,355
INVESCO EXCH TRADED FD TR II NASDAQ 100 ETF 46138G649 2,650,338 9,135 SH SOLE 0 0 0 9,135
ISHARES GOLD TR ISHARES NEW 464285204 1,053,036 13,918 SH SOLE 0 0 0 13,918
ISHARES INC MSCI GBL GOLD MN 46434G855 606,356 8,490 SH SOLE 0 0 0 8,490
ISHARES INC JP MRG EM CRP BD 464286251 200,394 4,554 SH SOLE 0 0 0 4,554
ISHARES INC CORE MSCI EMKT 46434G103 14,600,624 193,540 SH SOLE 0 0 0 193,540
ISHARES TR CORE MSCI TOTAL 46432F834 8,442,127 91,168 SH SOLE 0 0 0 91,168
ISHARES TR CORE MSCI EAFE 46432F842 13,747,046 142,975 SH SOLE 0 0 0 142,975
ISHARES TR SYSTEMATIC BD ET 46435U796 589,288 6,890 SH SOLE 0 0 0 6,890
ISHARES TR CORE INTL AGGR 46435G672 395,415 8,004 SH SOLE 0 0 0 8,004
ISHARES TR ULTRA SHORT DUR 46434V878 262,510 5,207 SH SOLE 0 0 0 5,207
ISHARES TR CORE UNIVRSL USD 46434V613 7,411,259 165,541 SH SOLE 0 0 0 165,541
ISHARES TR US INFRASTRUC 46435U713 843,096 14,765 SH SOLE 0 0 0 14,765
ISHARES TR IBONDS 27 TRM TS 46436E841 31,647,795 1,417,277 SH SOLE 0 0 0 1,417,277
ISHARES TR FUTU AI TECH ETF 46435U556 482,023 7,000 SH SOLE 0 0 0 7,000
ISHARES TR LONG TERM MUNI 46438G448 207,960 4,357 SH SOLE 0 0 0 4,357
ISHARES TR MSCI USA VALUE 46432F388 2,586,541 13,346 SH SOLE 0 0 0 13,346
ISHARES TR US TREAS BD ETF 46429B267 4,023,814 180,968 SH SOLE 0 0 0 180,968
ISHARES TR CORE HIGH DV ETF 46429B663 246,063 8,065 SH SOLE 0 0 0 8,065
ISHARES TR MSCI CHINA ETF 46429B671 368,434 7,516 SH SOLE 0 0 0 7,516
ISHARES TR CORE 80 20 ETF 464289859 206,823 2,138 SH SOLE 0 0 0 2,138
ISHARES TR EAFE VALUE ETF 464288877 7,110,134 89,933 SH SOLE 0 0 0 89,933
ISHARES TR EAFE GRWTH ETF 464288885 10,262,082 86,629 SH SOLE 0 0 0 86,629
ISHARES TR US BR DEL SE ETF 464288794 261,073 1,453 SH SOLE 0 0 0 1,453
ISHARES TR 10-20 YR TRS ETF 464288653 2,741,317 28,627 SH SOLE 0 0 0 28,627
ISHARES TR MBS ETF 464288588 1,907,234 20,871 SH SOLE 0 0 0 20,871
ISHARES TR NATIONAL MUN ETF 464288414 761,601 7,377 SH SOLE 0 0 0 7,377
ISHARES TR ISHS 5-10YR INVT 464288638 340,738 6,668 SH SOLE 0 0 0 6,668
ISHARES TR MSCI ACWI EX US 464288240 11,625,579 157,849 SH SOLE 0 0 0 157,849
ISHARES TR LATN AMER 40 ETF 464287390 450,083 12,099 SH SOLE 0 0 0 12,099
ISHARES TR EXPANDED TECH 464287515 627,423 5,771 SH SOLE 0 0 0 5,771
ISHARES TR CORE S&P MCP ETF 464287507 868,868 11,935 SH SOLE 0 0 0 11,935
ISHARES TR CORE S&P SCP ETF 464287804 281,824 2,033 SH SOLE 0 0 0 2,033
ISHARES TR S&P 500 VAL ETF 464287408 21,803,763 91,050 SH SOLE 0 0 0 91,050
ISHARES TR CORE S&P500 ETF 464287200 122,374,136 159,464 SH SOLE 0 0 0 159,464
ISHARES TR S&P 500 GRWT ETF 464287309 36,604,424 266,796 SH SOLE 0 0 0 266,796
ISHARES TR RUS MDCP VAL ETF 464287473 232,262 1,373 SH SOLE 0 0 0 1,373
ISHARES TR U.S. TECH ETF 464287721 11,315,907 45,453 SH SOLE 0 0 0 45,453
J P MORGAN EXCHANGE TRADED F MUNICIPAL ETF 46641Q647 491,412 10,105 SH SOLE 0 0 0 10,105
LOCKHEED MARTIN CORP COM 539830109 768,653 1,303 SH SOLE 0 0 0 1,303
MANAGED PORTFOLIO SER KENS HE PREM ETF 56167N183 586,807 22,492 SH SOLE 0 0 0 22,492
MICROSOFT CORP COM 594918104 250,682 481 SH SOLE 0 0 0 481
NOVO-NORDISK A S ADR 670100205 872,270 22,122 SH SOLE 0 0 0 22,122
NVIDIA CORPORATION COM 67066G104 1,793,400 8,451 SH SOLE 0 0 0 8,451
NYLIM ACTIVE ETF TR MACKAY MUN INTER 45409F827 491,118 20,899 SH SOLE 0 0 0 20,899
ORACLE CORP COM 68389X105 225,373 1,795 SH SOLE 0 0 0 1,795
PIMCO ETF TR SHTRM MUN BD ACT 72201R874 441,756 8,826 SH SOLE 0 0 0 8,826
PIMCO ETF TR US STK PLUS AC 72201R551 910,846 16,623 SH SOLE 0 0 0 16,623
PINNACLE FINL PARTNERS INC COM 72348N109 228,346 2,273 SH SOLE 0 0 0 2,273
QUEST DIAGNOSTICS INC COM 74834L100 911,327 3,746 SH SOLE 0 0 0 3,746
ROCKET LAB CORP COM 773121108 349,577 6,825 SH SOLE 0 0 0 6,825
SCHWAB STRATEGIC TR US REIT ETF 808524847 426,936 18,783 SH SOLE 0 0 0 18,783
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 408,630 15,202 SH SOLE 0 0 0 15,202
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 423,182 12,112 SH SOLE 0 0 0 12,112
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 281,757 12,545 SH SOLE 0 0 0 12,545
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 1,393,157 39,355 SH SOLE 0 0 0 39,355
SELECT SECTOR SPDR TR ST STR FINL ETF 81369Y605 627,399 11,075 SH SOLE 0 0 0 11,075
SELECT SECTOR SPDR TR ST STR INDL ETF 81369Y704 234,589 1,407 SH SOLE 0 0 0 1,407
SELECT SECTOR SPDR TR ST STR TECHN ETF 81369Y803 2,150,964 11,796 SH SOLE 0 0 0 11,796
SELECT SECTOR SPDR TR ST STR STAPL ETF 81369Y308 422,542 4,695 SH SOLE 0 0 0 4,695
SELECT SECTOR SPDR TR ST STR CARE ETF 81369Y209 396,866 2,189 SH SOLE 0 0 0 2,189
SELECT SECTOR SPDR TR ST STR DISCR ETF 81369Y407 355,151 3,088 SH SOLE 0 0 0 3,088
SELECT SECTOR SPDR TR ST STR SVC ETF 81369Y852 445,686 4,149 SH SOLE 0 0 0 4,149
SPDR GOLD TR GOLD SHS 78463V107 237,636 644 SH SOLE 0 0 0 644
SPDR SERIES TRUST ST STR P500GRW 78464A409 1,098,089 9,246 SH SOLE 0 0 0 9,246
SPDR SERIES TRUST ST TERM HIGH ETF 78468R408 249,104 10,341 SH SOLE 0 0 0 10,341
SPDR SERIES TRUST ST SHOR CORP ETF 78464A474 744,003 25,051 SH SOLE 0 0 0 25,051
SPDR SERIES TRUST ST STR AGGRE ETF 78464A649 450,817 18,200 SH SOLE 0 0 0 18,200
SPDR SERIES TRUST ST STR BLO 1 ETF 78468R663 287,624 3,140 SH SOLE 0 0 0 3,140
SPDR SERIES TRUST ST STR SP600 SML 78468R853 1,060,286 19,675 SH SOLE 0 0 0 19,675
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 1,047,903 1,372 SH SOLE 0 0 0 1,372
TESLA INC COM 88160R101 806,845 2,154 SH SOLE 0 0 0 2,154
VANECK ETF TRUST MRNGSTR WDE MOAT 92189F643 878,299 7,765 SH SOLE 0 0 0 7,765
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 1,193,068 16,719 SH SOLE 0 0 0 16,719
VANGUARD INDEX FDS MRNGSTR TTL STK 922908769 12,077,778 32,216 SH SOLE 0 0 0 32,216
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 1,583,329 27,851 SH SOLE 0 0 0 27,851
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 402,065 8,236 SH SOLE 0 0 0 8,236
VANGUARD MALVERN FDS CORE BD ETF 922020748 366,264 4,905 SH SOLE 0 0 0 4,905
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 5,352,828 77,286 SH SOLE 0 0 0 77,286
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 272,355 1,675 SH SOLE 0 0 0 1,675
VANGUARD WORLD FD FINANCIALS ETF 92204A405 436,795 3,173 SH SOLE 0 0 0 3,173
VANGUARD WORLD FD COMM SRVC ETF 92204A884 292,618 1,593 SH SOLE 0 0 0 1,593
VICTORY PORTFOLIOS II SHORT TRM BD ETF 92647N535 671,862 13,421 SH SOLE 0 0 0 13,421
WALMART INC COM 931142103 510,737 4,217 SH SOLE 0 0 0 4,217
WISDOMTREE TR US LARGECAP FUND 97717W588 363,574 4,539 SH SOLE 0 0 0 4,539
WISDOMTREE TR US QTLY DIV GRT 97717X669 293,197 2,958 SH SOLE 0 0 0 2,958