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
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
3M CO COM 88579Y101 285 2,199 SH   SOLE   2,199 0 0
ABBVIE INC COM 00287Y109 2,368 15,464 SH   SOLE   15,464 0 0
AFLAC INC COM 001055102 900 16,259 SH   SOLE   16,259 0 0
AMGEN INC COM 031162100 772 3,174 SH   SOLE   3,174 0 0
APPLE INC COM 037833100 1,399 10,236 SH   SOLE   10,236 0 0
ASTRAZENECA PLC SPONSORED ADR 046353108 1,363 20,632 SH   SOLE   20,632 0 0
AT&T INC COM 00206R102 1,434 68,420 SH   SOLE   68,420 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103 453 2,155 SH   SOLE   2,155 0 0
BANK NEW YORK MELLON CORP COM 064058100 242 5,808 SH   SOLE   5,808 0 0
BLACKROCK INC COM 09247X101 368 604 SH   SOLE   604 0 0
BLUEROCK RESIDENTIAL GWT REI COM CL A 09627J102 273 10,380 SH   SOLE   10,380 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108 399 5,161 SH   SOLE   5,161 0 0
BROADCOM INC COM 11135F101 332 683 SH   SOLE   683 0 0
C H ROBINSON WORLDWIDE INC COM NEW 12541W209 259 2,545 SH   SOLE   2,545 0 0
CARDINAL HEALTH INC COM 14149Y108 1,044 19,932 SH   SOLE   19,932 0 0
CHEVRON CORP NEW COM 166764100 525 3,626 SH   SOLE   3,626 0 0
CINTAS CORP COM 172908105 468 1,252 SH   SOLE   1,252 0 0
CISCO SYS INC COM 17275R102 1,659 38,899 SH   SOLE   38,899 0 0
CITRIX SYS INC COM 177376100 292 3,001 SH   SOLE   3,001 0 0
COGNIZANT TECHNOLOGY SOLUTIO CL A 192446102 319 4,728 SH   SOLE   4,728 0 0
CVS HEALTH CORP COM 126650100 1,949 21,029 SH   SOLE   21,029 0 0
DBX ETF TR XTRACK MSCI EAFE 233051630 5,889 281,127 SH   SOLE   281,127 0 0
DBX ETF TR XTRACK MSCI EAFE 233051200 1,143 32,828 SH   SOLE   32,828 0 0
DBX ETF TR XTRACK MUN INFRA 233051705 260 10,461 SH   SOLE   10,461 0 0
DBX ETF TR XTRACK USD HIGH 233051432 2,034 60,295 SH   SOLE   60,295 0 0
DBX ETF TR XTRACKERS LOW 233051267 1,978 44,353 SH   SOLE   44,353 0 0
DBX ETF TR XTRCK JP MRGN ES 233051713 541 32,966 SH   SOLE   32,966 0 0
DOMINION ENERGY INC COM 25746U109 233 2,923 SH   SOLE   2,923 0 0
EMERSON ELEC CO COM 291011104 274 3,440 SH   SOLE   3,440 0 0
EOG RES INC COM 26875P101 403 3,645 SH   SOLE   3,645 0 0
EXXON MOBIL CORP COM 30231G102 2,174 25,388 SH   SOLE   25,388 0 0
F5 INC COM 315616102 292 1,906 SH   SOLE   1,906 0 0
FIFTH THIRD BANCORP COM 316773100 1,158 34,422 SH   SOLE   34,422 0 0
FIRST REP BK SAN FRANCISCO C COM 33616C100 232 1,609 SH   SOLE   1,609 0 0
FIRST TR EXCHNG TRADED FD VI US EQT DEEP DUFR 33740F771 927 27,946 SH   SOLE   27,946 0 0
FLEXSHARES TR MORNSTAR UPSTR 33939L407 706 17,803 SH   SOLE   17,803 0 0
FRANKLIN TEMPLETON ETF TR FTSE UNTD KGDM 35473P678 1,181 52,969 SH   SOLE   52,969 0 0
GENERAL DYNAMICS CORP COM 369550108 1,903 8,586 SH   SOLE   8,586 0 0
GENERAL MLS INC COM 370334104 1,762 23,347 SH   SOLE   23,347 0 0
GLOBAL X FDS RUSSELL 2000 37954Y459 737 35,881 SH   SOLE   35,881 0 0
GLOBAL X FDS US PFD ETF 37954Y657 266 12,545 SH   SOLE   12,545 0 0
GLOBAL X FDS X EMERGING MKT 37954Y350 2,292 107,950 SH   SOLE   107,950 0 0
GRAINGER W W INC COM 384802104 466 1,025 SH   SOLE   1,025 0 0
GRANITESHARES GOLD TR SHS BEN INT 38748G101 3,995 223,055 SH   SOLE   223,055 0 0
HOME DEPOT INC COM 437076102 397 1,446 SH   SOLE   1,446 0 0
HUMANA INC COM 444859102 314 669 SH   SOLE   669 0 0
INDEXIQ ETF TR IQ MRGR ARB ETF 45409B800 384 12,388 SH   SOLE   12,388 0 0
INTEL CORP COM 458140100 259 6,935 SH   SOLE   6,935 0 0
INVESCO ACTVELY MNGD ETC FD OPTIMUM YIELD 46090F100 857 47,521 SH   SOLE   47,521 0 0
INVESCO EXCH TRADED FD TR II NATL AMT MUNI 46138E537 464 19,802 SH   SOLE   19,802 0 0
INVESCO EXCH TRADED FD TR II S&P EMRNG MKTS 46138E297 207 8,909 SH   SOLE   8,909 0 0
INVESCO EXCHANGE TRADED FD T HIG YLD EQ DIV 46137V563 727 35,381 SH   SOLE   35,381 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 1,050 7,821 SH   SOLE   7,821 0 0
ISHARES INC CORE MSCI EMKT 46434G103 2,574 52,466 SH   SOLE   52,466 0 0
ISHARES INC GLB AGRIC PR ETF 464286350 664 16,943 SH   SOLE   16,943 0 0
ISHARES INC MSCI EMERG MRKT 464286533 600 10,833 SH   SOLE   10,833 0 0
ISHARES TR 1 3 YR TREAS BD 464287457 1,118 13,501 SH   SOLE   13,501 0 0
ISHARES TR 20 YR TR BD ETF 464287432 1,571 13,675 SH   SOLE   13,675 0 0
ISHARES TR 7-10 YR TRSY BD 464287440 5,227 51,097 SH   SOLE   51,097 0 0
ISHARES TR AGENCY BOND ETF 464288166 764 6,943 SH   SOLE   6,943 0 0
ISHARES TR CORE MSCI EAFE 46432F842 4,204 71,442 SH   SOLE   71,442 0 0
ISHARES TR CORE MSCI EURO 46434V738 654 14,556 SH   SOLE   14,556 0 0
ISHARES TR CORE MSCI INTL 46435G326 2,289 42,599 SH   SOLE   42,599 0 0
ISHARES TR CORE MSCI PAC 46434V696 2,662 51,205 SH   SOLE   51,205 0 0
ISHARES TR CORE S&P TTL STK 464287150 753 8,991 SH   SOLE   8,991 0 0
ISHARES TR CORE S&P US GWT 464287671 2,495 29,811 SH   SOLE   29,811 0 0
ISHARES TR CORE S&P US VLU 464287663 4,146 61,996 SH   SOLE   61,996 0 0
ISHARES TR CORE S&P500 ETF 464287200 731 1,928 SH   SOLE   1,928 0 0
ISHARES TR CORE TOTAL USD 46434V613 1,124 23,999 SH   SOLE   23,999 0 0
ISHARES TR CORE US AGGBD ET 464287226 5,490 53,994 SH   SOLE   53,994 0 0
ISHARES TR CR 5 10 YR ETF 46435G417 819 18,294 SH   SOLE   18,294 0 0
ISHARES TR EAFE SML CP ETF 464288273 385 7,047 SH   SOLE   7,047 0 0
ISHARES TR FLTG RATE NT ETF 46429B655 2,285 45,774 SH   SOLE   45,774 0 0
ISHARES TR IBOXX INV CP ETF 464287242 1,551 14,100 SH   SOLE   14,100 0 0
ISHARES TR JPMORGAN USD EMG 464288281 427 5,008 SH   SOLE   5,008 0 0
ISHARES TR MBS ETF 464288588 3,086 31,659 SH   SOLE   31,659 0 0
ISHARES TR MSCI ACWI ETF 464288257 1,821 21,707 SH   SOLE   21,707 0 0
ISHARES TR NATIONAL MUN ETF 464288414 1,245 11,708 SH   SOLE   11,708 0 0
ISHARES TR RUS 1000 ETF 464287622 537 2,586 SH   SOLE   2,586 0 0
ISHARES TR RUS 2000 VAL ETF 464287630 307 2,256 SH   SOLE   2,256 0 0
ISHARES TR S&P 100 ETF 464287101 3,791 21,981 SH   SOLE   21,981 0 0
ISHARES TR SELECT DIVID ETF 464287168 853 7,245 SH   SOLE   7,245 0 0
ISHARES TR SHORT TREAS BD 464288679 316 2,866 SH   SOLE   2,866 0 0
ISHARES TR SHRT NAT MUN ETF 464288158 582 5,557 SH   SOLE   5,557 0 0
ISHARES TR TIPS BD ETF 464287176 1,387 12,174 SH   SOLE   12,174 0 0
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332 503 9,068 SH   SOLE   9,068 0 0
JOHNSON & JOHNSON COM 478160104 1,302 7,337 SH   SOLE   7,337 0 0
JPMORGAN CHASE & CO COM 46625H100 325 2,885 SH   SOLE   2,885 0 0
KIMBERLY-CLARK CORP COM 494368103 265 1,945 SH   SOLE   1,945 0 0
KINDER MORGAN INC DEL COM 49456B101 1,544 92,114 SH   SOLE   92,114 0 0
KRAFT HEINZ CO COM 500754106 1,767 46,321 SH   SOLE   46,321 0 0
KROGER CO COM 501044101 513 10,848 SH   SOLE   10,848 0 0
L3HARRIS TECHNOLOGIES INC COM 502431109 422 1,746 SH   SOLE   1,746 0 0
LOCKHEED MARTIN CORP COM 539830109 395 919 SH   SOLE   919 0 0
LOUISIANA PAC CORP COM 546347105 212 4,040 SH   SOLE   4,040 0 0
MCKESSON CORP COM 58155Q103 335 1,026 SH   SOLE   1,026 0 0
MERCK & CO INC COM 58933Y105 1,718 18,815 SH   SOLE   18,815 0 0
MICROSOFT CORP COM 594918104 570 2,218 SH   SOLE   2,218 0 0
NUCOR CORP COM 670346105 1,353 12,944 SH   SOLE   12,944 0 0
OMNICOM GROUP INC COM 681919106 1,520 23,829 SH   SOLE   23,829 0 0
ORACLE CORP COM 68389X105 277 3,970 SH   SOLE   3,970 0 0
PACER FDS TR US CASH COWS 100 69374H881 402 9,344 SH   SOLE   9,344 0 0
PARKER-HANNIFIN CORP COM 701094104 372 1,513 SH   SOLE   1,513 0 0
PEPSICO INC COM 713448108 407 2,442 SH   SOLE   2,442 0 0
PFIZER INC COM 717081103 2,011 38,358 SH   SOLE   38,358 0 0
PIMCO ETF TR 1-5 US TIP IDX 72201R205 252 4,816 SH   SOLE   4,816 0 0
PIMCO ETF TR ENHNCD LW DUR AC 72201R718 1,679 17,488 SH   SOLE   17,488 0 0
PRINCIPAL FINANCIAL GROUP IN COM 74251V102 1,746 26,137 SH   SOLE   26,137 0 0
PROCTER AND GAMBLE CO COM 742718109 920 6,400 SH   SOLE   6,400 0 0
PROSHARES TR S&P 500 DV ARIST 74348A467 1,397 16,368 SH   SOLE   16,368 0 0
PUBLIC STORAGE COM 74460D109 945 3,021 SH   SOLE   3,021 0 0
QUALCOMM INC COM 747525103 1,152 9,019 SH   SOLE   9,019 0 0
REGENERON PHARMACEUTICALS COM 75886F107 203 343 SH   SOLE   343 0 0
S&P GLOBAL INC COM 78409V104 373 1,106 SH   SOLE   1,106 0 0
SCHWAB STRATEGIC TR 1 5YR CORP BD 808524714 855 18,000 SH   SOLE   18,000 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 242 9,519 SH   SOLE   9,519 0 0
SCHWAB STRATEGIC TR INTERNL DIVID 808524672 3,441 152,997 SH   SOLE   152,997 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 5,094 161,977 SH   SOLE   161,977 0 0
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 1,723 55,171 SH   SOLE   55,171 0 0
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 1,722 27,588 SH   SOLE   27,588 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 7,434 166,457 SH   SOLE   166,457 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 663 10,576 SH   SOLE   10,576 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 749 19,221 SH   SOLE   19,221 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870 9,555 171,245 SH   SOLE   171,245 0 0
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308 586 8,125 SH   SOLE   8,125 0 0
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 905 7,061 SH   SOLE   7,061 0 0
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100 306 4,161 SH   SOLE   4,161 0 0
SMUCKER J M CO COM NEW 832696405 1,655 12,927 SH   SOLE   12,927 0 0
SOUTHERN CO COM 842587107 984 13,793 SH   SOLE   13,793 0 0
SPDR GOLD TR GOLD SHS 78463V107 841 4,992 SH   SOLE   4,992 0 0
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 3,051 87,736 SH   SOLE   87,736 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 400 1,059 SH   SOLE   1,059 0 0
SPDR SER TR ICE PFD SEC ETF 78464A292 4,473 124,770 SH   SOLE   124,770 0 0
SPDR SER TR PORTFOLIO INTRMD 78464A375 5,456 167,217 SH   SOLE   167,217 0 0
SPDR SER TR PORTFOLIO SHORT 78464A474 3,109 104,565 SH   SOLE   104,565 0 0
SSGA ACTIVE ETF TR SPDR TR TACTIC 78467V848 1,235 29,275 SH   SOLE   29,275 0 0
STARBUCKS CORP COM 855244109 287 3,756 SH   SOLE   3,756 0 0
STATE STR CORP COM 857477103 1,105 17,873 SH   SOLE   17,873 0 0
STEEL DYNAMICS INC COM 858119100 334 5,036 SH   SOLE   5,036 0 0
STRYKER CORPORATION COM 863667101 332 1,668 SH   SOLE   1,668 0 0
TARGET CORP COM 87612E106 531 3,759 SH   SOLE   3,759 0 0
TOTALENERGIES SE SPONSORED ADS 89151E109 1,703 32,286 SH   SOLE   32,286 0 0
TYSON FOODS INC CL A 902494103 499 5,803 SH   SOLE   5,803 0 0
UNILEVER PLC SPON ADR NEW 904767704 1,294 28,239 SH   SOLE   28,239 0 0
UNITEDHEALTH GROUP INC COM 91324P102 480 934 SH   SOLE   934 0 0
VALERO ENERGY CORP COM 91913Y100 230 2,168 SH   SOLE   2,168 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 3,844 51,081 SH   SOLE   51,081 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 2,178 11,057 SH   SOLE   11,057 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 6,143 17,709 SH   SOLE   17,709 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611 2,957 19,739 SH   SOLE   19,739 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 1,617 9,180 SH   SOLE   9,180 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 4,144 21,970 SH   SOLE   21,970 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 1,395 10,578 SH   SOLE   10,578 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 4,763 114,347 SH   SOLE   114,347 0 0
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 3,464 33,561 SH   SOLE   33,561 0 0
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 1,985 23,260 SH   SOLE   23,260 0 0
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 2,341 46,704 SH   SOLE   46,704 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 1,540 30,847 SH   SOLE   30,847 0 0
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 227 3,718 SH   SOLE   3,718 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 1,405 17,552 SH   SOLE   17,552 0 0
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771 3,288 68,770 SH   SOLE   68,770 0 0
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 5,290 89,877 SH   SOLE   89,877 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 3,520 46,156 SH   SOLE   46,156 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768 382 7,406 SH   SOLE   7,406 0 0
VANGUARD TAX-MANAGED INTL FD VAN FTSE DEV MKT 921943858 2,947 72,233 SH   SOLE   72,233 0 0
VANGUARD WHITEHALL FDS EM MK GOV BD ETF 921946885 5,487 89,516 SH   SOLE   89,516 0 0
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794 4,017 68,289 SH   SOLE   68,289 0 0
VICI PPTYS INC COM 925652109 1,237 41,447 SH   SOLE   41,447 0 0
VMWARE INC CL A COM 928563402 317 2,779 SH   SOLE   2,779 0 0
WALMART INC COM 931142103 565 4,647 SH   SOLE   4,647 0 0
WARNER BROS DISCOVERY INC COM SER A 934423104 188 14,041 SH   SOLE   14,041 0 0
WELLS FARGO CO NEW COM 949746101 1,446 36,918 SH   SOLE   36,918 0 0
WISDOMTREE TR EM LCL DEBT FD 97717X867 291 11,338 SH   SOLE   11,338 0 0
WISDOMTREE TR EMG MKTS SMCAP 97717W281 917 20,537 SH   SOLE   20,537 0 0