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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
ABRDN ETFS BBRG ALL COMD K1 003261104 2,166,561 83,748 SH SOLE 0 0 83,748
CAPITAL GROUP DIVIDEND VALUE SHS CREAT UNIT 14020W106 22,110,118 452,612 SH SOLE 0 0 452,612
DBX ETF TR XTRACKERS MUNI 233051705 867,739 37,242 SH SOLE 0 0 37,242
FIDELITY COVINGTON TRUST BLUE CHIP GRWTH 316092352 29,187,287 461,751 SH SOLE 0 0 461,751
FIDELITY COVINGTON TRUST EMERG MKTS MLTFT 316092543 9,235,302 259,857 SH SOLE 0 0 259,857
FIDELITY COVINGTON TRUST ENHANCED INTL 31609A404 15,621,760 391,425 SH SOLE 0 0 391,425
FIDELITY COVINGTON TRUST FUN SMA MID ETF 316092295 3,883,210 114,786 SH SOLE 0 0 114,786
FIDELITY MERRIMACK STR TR INVESTMENT GR BD 316188606 9,458,857 232,404 SH SOLE 0 0 232,404
FIDELITY MERRIMACK STR TR MUN BD OPPORTUN 316188853 3,387,128 70,224 SH SOLE 0 0 70,224
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309 9,036,011 208,684 SH SOLE 0 0 208,684
FRANKLIN TEMPLETON ETF TR FRANKLIN DYN MUN 35473P868 1,148,370 49,244 SH SOLE 0 0 49,244
INVESCO QQQ TR UNIT SER 1 46090E103 392,078 530 SH SOLE 0 0 530
ISHARES TR CORE S&P500 ETF 464287200 2,088,473 2,727 SH SOLE 0 0 2,727
ISHARES TR CORE US AGGBD ET 464287226 1,258,611 13,313 SH OTR 0 0 13,313
ISHARES TR HDG MSCI EAFE 46434V803 285,438 6,153 SH SOLE 0 0 6,153
ISHARES TR NATIONAL MUN ETF 464288414 390,853 3,866 SH SOLE 0 0 3,866
J P MORGAN EXCHANGE TRADED F HEDG EQU LAD ETF 46654Q724 2,510,669 36,297 SH SOLE 0 0 36,297
J P MORGAN EXCHANGE TRADED F MUNICIPAL ETF 46641Q647 594,179 12,488 SH SOLE 0 0 12,488
PGIM ETF TR ACTV HY BD ETF 69344A206 4,307,617 128,855 SH SOLE 0 0 128,855
SELECT SECTOR SPDR TR ST STR FINL ETF 81369Y605 210,022 3,933 SH OTR 0 0 3,933
SELECT SECTOR SPDR TR ST STR FINL ETF 81369Y605 8,117 152 SH SOLE 0 0 152
SELECT SECTOR SPDR TR ST STR TECHN ETF 81369Y803 579,812 2,962 SH OTR 0 0 2,962
SPDR GOLD TR GOLD SHS 78463V107 67,790 178 SH OTR 0 0 178
SPDR GOLD TR GOLD SHS 78463V107 3,795,451 9,966 SH SOLE 0 0 9,966
SPDR INDEX SHS FDS ST STR PO EX ETF 78463X889 374,316 7,455 SH SOLE 0 0 7,455
SPDR SERIES TRUST ST LON TREAS ETF 78464A664 1,019,134 42,731 SH SOLE 0 0 42,731
SPDR SERIES TRUST ST STR P500ETF 78464A854 13,286,474 148,022 SH SOLE 0 0 148,022
SSGA ACTIVE ETF TR ST STR TOTAL ETF 78467V848 224,483 5,999 SH SOLE 0 0 5,999
SSGA ACTIVE TR SST BRIDGEWATER 78470P630 545,916 19,108 SH SOLE 0 0 19,108
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 282,173 370 SH OTR 0 0 370
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 123,546 162 SH SOLE 0 0 162
T ROWE PRICE EXCHANGE-TRADED FLOATING RATE 87283Q883 4,524,214 89,588 SH SOLE 0 0 89,588
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 230,162 3,281 SH SOLE 0 0 3,281
VANGUARD INDEX FDS MRNGSTR MID CAP 922908629 281,057 3,584 SH SOLE 0 0 3,584
VANGUARD INDEX FDS MRNGSTR VAL ETF 922908744 1,481,661 6,857 SH SOLE 0 0 6,857
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 861,357 1,229 SH SOLE 0 0 1,229
VANGUARD SCOTTSDALE FDS VNG RUS3000IDX 92206C599 223,779 667 SH SOLE 0 0 667