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 241 2,184 SH   SOLE   2,184 0 0
ABBVIE INC COM 00287Y109 2,030 15,126 SH   SOLE   15,126 0 0
AFLAC INC COM 001055102 889 15,822 SH   SOLE   15,822 0 0
ALTSHARES TRUST MERGER ARBITRAGE 02210T108 576 21,619 SH   SOLE   21,619 0 0
AMGEN INC COM 031162100 709 3,147 SH   SOLE   3,147 0 0
APPLE INC COM 037833100 1,378 9,973 SH   SOLE   9,973 0 0
ASTRAZENECA PLC SPONSORED ADR 046353108 1,137 20,727 SH   SOLE   20,727 0 0
AT&T INC COM 00206R102 1,069 69,690 SH   SOLE   69,690 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103 484 2,141 SH   SOLE   2,141 0 0
BANK NEW YORK MELLON CORP COM 064058100 217 5,635 SH   SOLE   5,635 0 0
BLACKROCK INC COM 09247X101 327 594 SH   SOLE   594 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108 350 4,924 SH   SOLE   4,924 0 0
BROADCOM INC COM 11135F101 305 686 SH   SOLE   686 0 0
C H ROBINSON WORLDWIDE INC COM NEW 12541W209 233 2,405 SH   SOLE   2,405 0 0
CARDINAL HEALTH INC COM 14149Y108 1,310 19,619 SH   SOLE   19,619 0 0
CHEVRON CORP NEW COM 166764100 446 3,101 SH   SOLE   3,101 0 0
CINTAS CORP COM 172908105 481 1,240 SH   SOLE   1,240 0 0
CISCO SYS INC COM 17275R102 1,789 44,723 SH   SOLE   44,723 0 0
COGNIZANT TECHNOLOGY SOLUTIO CL A 192446102 270 4,700 SH   SOLE   4,700 0 0
CVS HEALTH CORP COM 126650100 1,933 20,264 SH   SOLE   20,264 0 0
DBX ETF TR XTRACK MSCI EAFE 233051630 5,232 287,779 SH   SOLE   287,779 0 0
DBX ETF TR XTRACK MSCI EAFE 233051200 1,033 30,852 SH   SOLE   30,852 0 0
DBX ETF TR XTRACK MUN INFRA 233051705 283 12,203 SH   SOLE   12,203 0 0
DBX ETF TR XTRACK USD HIGH 233051432 1,635 49,937 SH   SOLE   49,937 0 0
DBX ETF TR XTRACKERS LOW 233051267 2,082 48,042 SH   SOLE   48,042 0 0
DBX ETF TR XTRCK JP MRGN ES 233051713 457 29,713 SH   SOLE   29,713 0 0
DOW INC COM 260557103 238 5,427 SH   SOLE   5,427 0 0
EMERSON ELEC CO COM 291011104 248 3,390 SH   SOLE   3,390 0 0
EOG RES INC COM 26875P101 384 3,438 SH   SOLE   3,438 0 0
EXXON MOBIL CORP COM 30231G102 2,078 23,796 SH   SOLE   23,796 0 0
F5 INC COM 315616102 277 1,917 SH   SOLE   1,917 0 0
FIFTH THIRD BANCORP COM 316773100 1,119 34,951 SH   SOLE   34,951 0 0
FIRST REP BK SAN FRANCISCO C COM 33616C100 207 1,588 SH   SOLE   1,588 0 0
FIRST TR EXCHNG TRADED FD VI US EQT DEEP DUFR 33740F771 878 26,859 SH   SOLE   26,859 0 0
FLEXSHARES TR MORNSTAR UPSTR 33939L407 640 17,029 SH   SOLE   17,029 0 0
FRANKLIN TEMPLETON ETF TR FTSE JAPAN ETF 35473P744 831 38,345 SH   SOLE   38,345 0 0
FRANKLIN TEMPLETON ETF TR FTSE UNTD KGDM 35473P678 1,194 61,019 SH   SOLE   61,019 0 0
GENERAL DYNAMICS CORP COM 369550108 1,775 8,367 SH   SOLE   8,367 0 0
GENERAL MLS INC COM 370334104 1,705 22,259 SH   SOLE   22,259 0 0
GLOBAL X FDS RATE PREFERRED 37954Y376 3,453 147,075 SH   SOLE   147,075 0 0
GLOBAL X FDS RUSSELL 2000 37954Y459 668 36,267 SH   SOLE   36,267 0 0
GLOBAL X FDS US PFD ETF 37954Y657 233 11,363 SH   SOLE   11,363 0 0
GLOBAL X FDS X EMERGING MKT 37954Y350 2,440 122,845 SH   SOLE   122,845 0 0
GRAINGER W W INC COM 384802104 491 1,003 SH   SOLE   1,003 0 0
GRANITESHARES GOLD TR SHS BEN INT 38748G101 3,588 217,864 SH   SOLE   217,864 0 0
HOME DEPOT INC COM 437076102 396 1,435 SH   SOLE   1,435 0 0
HUMANA INC COM 444859102 309 637 SH   SOLE   637 0 0
INVESCO EXCH TRADED FD TR II NATL AMT MUNI 46138E537 363 16,436 SH   SOLE   16,436 0 0
INVESCO EXCHANGE TRADED FD T WATER RES ETF 46137V142 553 12,096 SH   SOLE   12,096 0 0
ISHARES INC CORE MSCI EMKT 46434G103 5,423 126,184 SH   SOLE   126,184 0 0
ISHARES INC MSCI AUST ETF 464286103 527 26,858 SH   SOLE   26,858 0 0
ISHARES INC MSCI EMERG MRKT 464286533 538 10,624 SH   SOLE   10,624 0 0
ISHARES INC MSCI ISRAEL ETF 464286632 776 13,540 SH   SOLE   13,540 0 0
ISHARES INC MSCI SINGPOR ETF 46434G780 798 46,613 SH   SOLE   46,613 0 0
ISHARES TR 0-5 YR TIPS ETF 46429B747 4,396 45,737 SH   SOLE   45,737 0 0
ISHARES TR 1 3 YR TREAS BD 464287457 2,258 27,806 SH   SOLE   27,806 0 0
ISHARES TR 20 YR TR BD ETF 464287432 274 2,675 SH   SOLE   2,675 0 0
ISHARES TR 7-10 YR TRSY BD 464287440 2,576 26,835 SH   SOLE   26,835 0 0
ISHARES TR AGENCY BOND ETF 464288166 1,063 9,980 SH   SOLE   9,980 0 0
ISHARES TR CONV BD ETF 46435G102 1,702 24,700 SH   SOLE   24,700 0 0
ISHARES TR CORE INTL AGGR 46435G672 1,977 40,914 SH   SOLE   40,914 0 0
ISHARES TR CORE MSCI EAFE 46432F842 3,156 59,924 SH   SOLE   59,924 0 0
ISHARES TR CORE MSCI INTL 46435G326 1,931 39,975 SH   SOLE   39,975 0 0
ISHARES TR CORE MSCI PAC 46434V696 2,406 50,194 SH   SOLE   50,194 0 0
ISHARES TR CORE S&P SCP ETF 464287804 443 5,079 SH   SOLE   5,079 0 0
ISHARES TR CORE S&P TTL STK 464287150 677 8,508 SH   SOLE   8,508 0 0
ISHARES TR CORE S&P US GWT 464287671 2,608 32,523 SH   SOLE   32,523 0 0
ISHARES TR CORE S&P US VLU 464287663 3,963 63,301 SH   SOLE   63,301 0 0
ISHARES TR CORE S&P500 ETF 464287200 564 1,574 SH   SOLE   1,574 0 0
ISHARES TR CORE TOTAL USD 46434V613 1,068 23,999 SH   SOLE   23,999 0 0
ISHARES TR CORE US AGGBD ET 464287226 4,775 49,568 SH   SOLE   49,568 0 0
ISHARES TR CR 5 10 YR ETF 46435G417 780 18,455 SH   SOLE   18,455 0 0
ISHARES TR EAFE SML CP ETF 464288273 337 6,910 SH   SOLE   6,910 0 0
ISHARES TR FLTG RATE NT ETF 46429B655 2,332 46,387 SH   SOLE   46,387 0 0
ISHARES TR GL CLEAN ENE ETF 464288224 435 22,762 SH   SOLE   22,762 0 0
ISHARES TR IBOXX INV CP ETF 464287242 766 7,479 SH   SOLE   7,479 0 0
ISHARES TR ISHS 1-5YR INVS 464288646 583 11,823 SH   SOLE   11,823 0 0
ISHARES TR MBS ETF 464288588 3,817 41,684 SH   SOLE   41,684 0 0
ISHARES TR MSCI ACWI ETF 464288257 1,644 21,126 SH   SOLE   21,126 0 0
ISHARES TR MSCI EAFE MIN VL 46429B689 765 13,410 SH   SOLE   13,410 0 0
ISHARES TR MSCI INDIA ETF 46429B598 886 21,732 SH   SOLE   21,732 0 0
ISHARES TR MSCI USA MIN VOL 46429B697 1,280 19,363 SH   SOLE   19,363 0 0
ISHARES TR NATIONAL MUN ETF 464288414 1,071 10,437 SH   SOLE   10,437 0 0
ISHARES TR RUS 1000 ETF 464287622 510 2,586 SH   SOLE   2,586 0 0
ISHARES TR RUS 2000 VAL ETF 464287630 291 2,256 SH   SOLE   2,256 0 0
ISHARES TR SELECT DIVID ETF 464287168 777 7,245 SH   SOLE   7,245 0 0
ISHARES TR SHORT TREAS BD 464288679 315 2,866 SH   SOLE   2,866 0 0
ISHARES TR SHRT NAT MUN ETF 464288158 505 4,923 SH   SOLE   4,923 0 0
ISHARES TR US AER DEF ETF 464288760 515 5,646 SH   SOLE   5,646 0 0
ISHARES TR US HLTHCR PR ETF 464288828 546 2,136 SH   SOLE   2,136 0 0
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332 457 8,930 SH   SOLE   8,930 0 0
JOHNSON & JOHNSON COM 478160104 1,193 7,302 SH   SOLE   7,302 0 0
JPMORGAN CHASE & CO COM 46625H100 307 2,942 SH   SOLE   2,942 0 0
KIMBERLY-CLARK CORP COM 494368103 221 1,952 SH   SOLE   1,952 0 0
KINDER MORGAN INC DEL COM 49456B101 1,508 90,631 SH   SOLE   90,631 0 0
KRAFT HEINZ CO COM 500754106 1,543 46,253 SH   SOLE   46,253 0 0
KROGER CO COM 501044101 470 10,743 SH   SOLE   10,743 0 0
L3HARRIS TECHNOLOGIES INC COM 502431109 360 1,733 SH   SOLE   1,733 0 0
LOCKHEED MARTIN CORP COM 539830109 353 913 SH   SOLE   913 0 0
MCKESSON CORP COM 58155Q103 262 770 SH   SOLE   770 0 0
MERCK & CO INC COM 58933Y105 1,597 18,519 SH   SOLE   18,519 0 0
MICROSOFT CORP COM 594918104 509 2,185 SH   SOLE   2,185 0 0
NUCOR CORP COM 670346105 1,344 12,551 SH   SOLE   12,551 0 0
OMNICOM GROUP INC COM 681919106 1,513 23,911 SH   SOLE   23,911 0 0
ORACLE CORP COM 68389X105 235 3,855 SH   SOLE   3,855 0 0
PARKER-HANNIFIN CORP COM 701094104 364 1,502 SH   SOLE   1,502 0 0
PEPSICO INC COM 713448108 385 2,356 SH   SOLE   2,356 0 0
PFIZER INC COM 717081103 1,659 37,914 SH   SOLE   37,914 0 0
PIMCO ETF TR 1-5 US TIP IDX 72201R205 238 4,816 SH   SOLE   4,816 0 0
PIMCO ETF TR ENHNCD LW DUR AC 72201R718 1,684 17,778 SH   SOLE   17,778 0 0
PRINCIPAL FINANCIAL GROUP IN COM 74251V102 1,820 25,228 SH   SOLE   25,228 0 0
PROCTER AND GAMBLE CO COM 742718109 808 6,400 SH   SOLE   6,400 0 0
PUBLIC STORAGE COM 74460D109 882 3,012 SH   SOLE   3,012 0 0
QUALCOMM INC COM 747525103 1,014 8,978 SH   SOLE   8,978 0 0
REGENERON PHARMACEUTICALS COM 75886F107 238 345 SH   SOLE   345 0 0
S&P GLOBAL INC COM 78409V104 336 1,100 SH   SOLE   1,100 0 0
SCHWAB STRATEGIC TR 1 5YR CORP BD 808524714 833 18,000 SH   SOLE   18,000 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 2,663 94,685 SH   SOLE   94,685 0 0
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 1,531 55,175 SH   SOLE   55,175 0 0
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 1,582 27,045 SH   SOLE   27,045 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 6,641 156,819 SH   SOLE   156,819 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 614 10,143 SH   SOLE   10,143 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870 4,140 79,930 SH   SOLE   79,930 0 0
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308 1,174 17,590 SH   SOLE   17,590 0 0
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704 524 6,326 SH   SOLE   6,326 0 0
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886 1,048 15,996 SH   SOLE   15,996 0 0
SMUCKER J M CO COM NEW 832696405 1,751 12,740 SH   SOLE   12,740 0 0
SOUTHERN CO COM 842587107 918 13,496 SH   SOLE   13,496 0 0
SPDR GOLD TR GOLD SHS 78463V107 754 4,878 SH   SOLE   4,878 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 378 1,059 SH   SOLE   1,059 0 0
SPDR SER TR PORTFOLIO INTRMD 78464A375 5,193 165,794 SH   SOLE   165,794 0 0
SPDR SER TR PORTFOLIO SHORT 78464A474 1,511 51,710 SH   SOLE   51,710 0 0
SSGA ACTIVE ETF TR BLACKSTONE SENR 78467V608 882 21,577 SH   SOLE   21,577 0 0
SSGA ACTIVE ETF TR SPDR TR TACTIC 78467V848 1,213 30,195 SH   SOLE   30,195 0 0
STARBUCKS CORP COM 855244109 314 3,726 SH   SOLE   3,726 0 0
STATE STR CORP COM 857477103 1,100 18,043 SH   SOLE   18,043 0 0
STEEL DYNAMICS INC COM 858119100 290 4,073 SH   SOLE   4,073 0 0
STRYKER CORPORATION COM 863667101 335 1,653 SH   SOLE   1,653 0 0
TARGET CORP COM 87612E106 559 3,767 SH   SOLE   3,767 0 0
TOTALENERGIES SE SPONSORED ADS 89151E109 1,596 34,228 SH   SOLE   34,228 0 0
TYSON FOODS INC CL A 902494103 380 5,766 SH   SOLE   5,766 0 0
UNILEVER PLC SPON ADR NEW 904767704 1,439 32,816 SH   SOLE   32,816 0 0
UNITEDHEALTH GROUP INC COM 91324P102 468 927 SH   SOLE   927 0 0
VALERO ENERGY CORP COM 91913Y100 228 2,137 SH   SOLE   2,137 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 4,316 60,514 SH   SOLE   60,514 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 2,078 11,057 SH   SOLE   11,057 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 5,814 17,709 SH   SOLE   17,709 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611 2,783 19,407 SH   SOLE   19,407 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 1,559 9,121 SH   SOLE   9,121 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 3,850 21,450 SH   SOLE   21,450 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 1,294 10,481 SH   SOLE   10,481 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 3,401 93,193 SH   SOLE   93,193 0 0
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 3,106 33,469 SH   SOLE   33,469 0 0
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 1,866 23,651 SH   SOLE   23,651 0 0
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 1,975 41,052 SH   SOLE   41,052 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 1,621 33,671 SH   SOLE   33,671 0 0
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 1,417 24,301 SH   SOLE   24,301 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 1,484 19,613 SH   SOLE   19,613 0 0
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771 3,589 79,588 SH   SOLE   79,588 0 0
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 8,452 146,261 SH   SOLE   146,261 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 3,489 46,965 SH   SOLE   46,965 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768 322 7,028 SH   SOLE   7,028 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 2,626 72,233 SH   SOLE   72,233 0 0
VANGUARD WHITEHALL FDS EM MK GOV BD ETF 921946885 4,666 81,158 SH   SOLE   81,158 0 0
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794 5,642 108,423 SH   SOLE   108,423 0 0
VICI PPTYS INC COM 925652109 1,226 40,968 SH   SOLE   40,968 0 0
VMWARE INC CL A COM 928563402 298 2,800 SH   SOLE   2,800 0 0
WALMART INC COM 931142103 594 4,582 SH   SOLE   4,582 0 0
WARNER BROS DISCOVERY INC COM SER A 934423104 175 15,183 SH   SOLE   15,183 0 0
WELLS FARGO CO NEW COM 949746101 1,482 36,855 SH   SOLE   36,855 0 0
WISDOMTREE TR EMG MKTS SMCAP 97717W281 795 19,976 SH   SOLE   19,976 0 0