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 478,622 4,770 SH SOLE 4,770 0 0
INVESCO EXCH TRADED FD TR II PFD ETF 46138E511 282,041 28,008 SH SOLE 28,008 0 0
INVESCO EXCH TRADED FD TR II S&P MIDCP LOW 46138E198 698,274 11,089 SH SOLE 11,089 0 0
ISHARES TR MSCI EAFE MIN VL 46429B689 714,016 7,836 SH SOLE 7,836 0 0
ISHARES INC MSCI GBL MIN VOL 464286525 1,376,785 11,218 SH SOLE 11,218 0 0
PFIZER INC COM 717081103 252,316 8,847 SH SOLE 8,847 0 0
SCHWAB STRATEGIC TR US REIT ETF 808524847 536,630 24,348 SH SOLE 24,348 0 0
SPDR SERIES TRUST ST SHOR CORP ETF 78464A474 1,954,538 66,054 SH SOLE 66,054 0 0
SPDR SERIES TRUST ST STR R2K LOWV 78468R887 689,548 4,596 SH SOLE 4,596 0 0
US BANCORP COM NEW 902973304 252,469 4,371 SH SOLE 4,371 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 642,565 10,834 SH SOLE 10,834 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 329,117 7,175 SH SOLE 7,175 0 0
WISDOMTREE TR FLOATNG RAT TREA 97717Y527 2,704,079 53,663 SH SOLE 53,663 0 0
FIDELITY COVINGTON TRUST ENHANCED INTL 31609A404 242,276 6,071 SH SOLE 6,071 0 0
ISHARES TR 0-5YR HI YL CP 46434V407 476,396 11,549 SH SOLE 11,549 0 0
ISHARES TR 0-5 YR TIPS ETF 46429B747 2,419,420 24,267 SH SOLE 24,267 0 0
ISHARES TR CORE S&P500 ETF 464287200 1,358,618 1,774 SH SOLE 1,774 0 0
ISHARES TR CORE S&P SCP ETF 464287804 636,259 4,677 SH SOLE 4,677 0 0
ISHARES TR CYBERSECURITY 46435U135 287,994 4,259 SH SOLE 4,259 0 0
ISHARES TR S&P 100 ETF 464287101 547,903 1,434 SH SOLE 1,434 0 0
OMEGA HEALTHCARE INVS INC COM 681936100 2,252,565 48,641 SH SOLE 48,641 0 0
SPDR SERIES TRUST ST STR CONV ETF 78464A359 889,575 8,792 SH SOLE 8,792 0 0
SPDR SERIES TRUST ST STR BLO 1 ETF 78468R663 212,788 2,322 SH SOLE 2,322 0 0
SPDR SERIES TRUST ST SHO TREAS ETF 78468R101 651,038 22,708 SH SOLE 22,708 0 0
SPDR SERIES TRUST ST STR R1K LOWV 78468R804 952,604 5,465 SH SOLE 5,465 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 577,025 8,172 SH SOLE 8,172 0 0
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 1,697,578 10,938 SH SOLE 10,938 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 432,976 5,529 SH SOLE 5,529 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 574,360 6,408 SH SOLE 6,408 0 0
INVESCO EXCH TRADED FD TR II S&P500 HDL VOL 46138E362 664,402 13,790 SH SOLE 13,790 0 0
GLOBAL X FDS RBTCS ARTFL INTE 37954Y715 449,218 12,751 SH SOLE 12,751 0 0
SPDR INDEX SHS FDS ST PORT MARK ETF 78463X509 1,171,639 22,636 SH SOLE 22,636 0 0
VANGUARD INDEX FDS MRNGSTR VAL ETF 922908744 1,094,877 5,067 SH SOLE 5,067 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768 294,568 3,467 SH SOLE 3,467 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 417,282 838 SH SOLE 838 0 0
RBB FD INC US TRSRY 6 MNTH 74933W460 272,391 5,450 SH SOLE 5,450 0 0
SPDR SERIES TRUST ST STR RATE ETF 78468R200 1,450,529 47,034 SH SOLE 47,034 0 0
SPDR INDEX SHS FDS ST STR MSCI EM 78463X426 243,608 3,033 SH SOLE 3,033 0 0
SPDR SERIES TRUST ST STR SP500DIV 78468R788 202,985 4,474 SH SOLE 4,474 0 0
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 950,720 10,953 SH SOLE 10,953 0 0
VANGUARD INTL EQUITY INDEX F FTSE PACIFIC ETF 922042866 654,906 5,655 SH SOLE 5,655 0 0
VANGUARD INDEX FDS MRNGSTR LRG CAP 922908637 728,681 2,071 SH SOLE 2,071 0 0
VANGUARD INDEX FDS MRNGSTR MID CAP 922908629 2,795,438 35,647 SH SOLE 35,647 0 0
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 332,569 4,353 SH SOLE 4,353 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 554,501 7,178 SH SOLE 7,178 0 0
WISDOMTREE TR EUROPE HEDGED EQ 97717X701 617,325 11,131 SH SOLE 11,131 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 523,213 17,851 SH SOLE 17,851 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 555,318 6,693 SH SOLE 6,693 0 0
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 1,896,661 2,487 SH SOLE 2,487 0 0
ELI LILLY & CO COM 532457108 210,589 182 SH SOLE 182 0 0
ISHARES TR MRGSTR MD CP VAL 464288406 259,376 2,827 SH SOLE 2,827 0 0
SPDR SERIES TRUST ST INTER BD ETF 78464A375 607,510 18,820 SH SOLE 18,820 0 0
WISDOMTREE TR EMER MKT HIGH FD 97717W315 577,990 10,450 SH SOLE 10,450 0 0
WISDOMTREE TR US MIDCAP DIVID 97717W505 272,987 5,060 SH SOLE 5,060 0 0
FIRST TR EXCHANGE-TRADED FD NASDQ CLN EDGE 33737A108 211,115 1,192 SH SOLE 1,192 0 0
ISHARES TR ESG OPTIMIZED 464288802 232,742 1,495 SH SOLE 1,495 0 0
SPDR INDEX SHS FDS ST STR PO EX ETF 78463X889 674,270 13,429 SH SOLE 13,429 0 0
SPDR SERIES TRUST ST STR P500VAL 78464A508 538,922 8,816 SH SOLE 8,816 0 0
MICROSOFT CORP COM 594918104 761,657 1,485 SH SOLE 1,485 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 330,114 10,148 SH SOLE 10,148 0 0
VANGUARD INDEX FDS MRNGSTR TTL STK 922908769 281,187 751 SH SOLE 751 0 0
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 314,220 5,459 SH SOLE 5,459 0 0
ISHARES TR ISHS 1-5YR INVS 464288646 217,881 4,253 SH SOLE 4,253 0 0
ISHARES TR FLTG RATE NT ETF 46429B655 672,584 13,175 SH SOLE 13,175 0 0
ISHARES TR S&P 500 GRWT ETF 464287309 307,851 2,164 SH SOLE 2,164 0 0
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854 587,262 24,779 SH SOLE 24,779 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 296,405 13,412 SH SOLE 13,412 0 0
VANGUARD INDEX FDS MRNGSTR GRWT ETF 922908736 573,370 6,363 SH SOLE 6,363 0 0
VANGUARD INDEX FDS MRNGSTR SML CAP 922908751 338,543 1,190 SH SOLE 1,190 0 0
SPDR SERIES TRUST ST STR P500ETF 78464A854 634,693 7,071 SH SOLE 7,071 0 0
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 507,107 8,950 SH SOLE 8,950 0 0
WISDOMTREE TR DYNAMIC INTL EQT 97717X263 278,936 6,113 SH SOLE 6,113 0 0
INVESCO EXCH TRADED FD TR II S&P SMLCP LOW 46138G102 201,059 4,108 SH SOLE 4,108 0 0
SPDR SERIES TRUST ST PORT HIGH ETF 78468R606 523,907 23,192 SH SOLE 23,192 0 0
J P MORGAN EXCHANGE TRADED F MUNICIPAL ETF 46641Q647 252,317 5,303 SH SOLE 5,303 0 0
ALPHABET INC CAP STK CL C 02079K107 201,718 592 SH SOLE 592 0 0
APPLE INC COM 037833100 497,532 1,494 SH SOLE 1,494 0 0
META PLATFORMS INC CL A 30303M102 263,966 364 SH SOLE 364 0 0
NVIDIA CORPORATION COM 67066G104 218,560 957 SH SOLE 957 0 0
EXXONMOBIL HOLDINGS CORP COM SHS 30233Q108 653,767 4,017 SH SOLE 4,017 0 0
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 200,572 4,075 SH SOLE 4,075 0 0
WISDOMTREE TR EMG MKTS SMCAP 97717W281 248,676 3,936 SH SOLE 3,936 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 439,789 1,885 SH SOLE 1,885 0 0
SPDR SERIES TRUST ST STR R1K YLD 78468R770 341,103 2,775 SH SOLE 2,775 0 0
ALPHABET INC CAP STK CL A 02079K305 204,384 594 SH SOLE 594 0 0
VANGUARD WORLD FD CONSUM STP ETF 92204A207 269,489 1,235 SH SOLE 1,235 0 0
SELECT SECTOR SPDR TR ST STR CARE ETF 81369Y209 259,030 1,538 SH SOLE 1,538 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 250,782 339 SH SOLE 339 0 0
ISHARES TR MORNINGSTR US EQ 464287127 419,893 3,974 SH SOLE 3,974 0 0
BLACKROCK INC COM 09290D101 364,052 344 SH SOLE 344 0 0
INTEL CORP COM 458140100 285,546 2,375 SH SOLE 2,375 0 0
BERKSHIRE HATHAWAY INC DEL CL A 084670108 747,005 1 SH SOLE 1 0 0