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
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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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ISHS 0-3 MTH TREAS BD ETF 0-3 MNTH TREASRY 46436E718   285,317 2,837 SH   SOLE   2,837 0 0
ISHARES 0-5 YEAR HIGH YLD 0-5YR HI YL CP 46434V407   2,794,769 67,053 SH   SOLE   67,053 0 0
ISHARES 0-5 YEAR INVESTMT 0-5YR INVT GR CP 46434V100   3,714,246 76,614 SH   SOLE   76,614 0 0
ISHARES 1-3 YR TREAS BND 1 3 YR TREAS BD 464287457   870,402 10,594 SH   SOLE   10,594 0 0
ISHARES GLOBAL REIT ETF 46434V 46434V647   28,919,132 1,261,192 SH   SOLE   1,261,192 0 0
VANGUARD S&P500 VALUE ETF 500 VAL IDX FD 921932703   1,693,651 11,545 SH   SOLE   11,545 0 0
ISHARES AAA-A RTD CRP ETF A RATE CP BD ETF 46429B291   279,146 5,835 SH   SOLE   5,835 0 0
GOLDMAN ACC TREAS 0-1 ETF ACCES TREASURY 381430529   5,764,559 57,565 SH   SOLE   57,565 0 0
NOVO-NORDISK A/S-ADR ADR 670100205   275,948 1,734 SH   SOLE   1,734 0 0
ISHARES CORE AGG ALLO ETF AGGRES ALLOC ETF 464289859   1,589,240 24,992 SH   SOLE   24,992 0 0
FUNDX AGGRESSIVE ETF AGGRESSIVE ETF 360876882   7,240,843 146,250 SH   SOLE   146,250 0 0
VANGRD FTSE ALL-WLD EX-US ALLWRLD EX US 922042775   3,369,786 63,022 SH   SOLE   63,022 0 0
BLACKROCK SHRT MATRTY BLACKROCK SHORT 46431W838   1,459,931 29,222 SH   SOLE   29,222 0 0
SSGA ACT SPDR BLKSTNE ETF BLACKSTONE SENR 78467V608   756,147 18,238 SH   SOLE   18,238 0 0
SPDR BLM 1-3M T-BILL ETF BLOOMBERG 1-3 MO 78468R663   15,720,410 171,209 SH   SOLE   171,209 0 0
ISHARES CALIFORNIA MUNI CALIF MUN BD ETF 464288356   739,569 12,880 SH   SOLE   12,880 0 0
ALPHABET INC CL-A CAP STK CL A 02079K305   2,637,542 25,427 SH   SOLE   25,427 0 0
ALPHABET INC CL-C CAP STK CL C 02079K107   11,854,336 113,984 SH   SOLE   113,984 0 0
MARRIOTT INTL INC-A CL A 571903202   370,435 2,231 SH   SOLE   2,231 0 0
MASTERCARD INC CL-A CL A 57636Q104   6,943,311 19,106 SH   SOLE   19,106 0 0
META PLATFORMS INC CL-A CL A 30303M102   11,427,592 53,919 SH   SOLE   53,919 0 0
MONDELEZ INTL INC CL-A CL A 609207105   329,915 4,732 SH   SOLE   4,732 0 0
ZOETIS INC-A CL A 98978V103   373,324 2,243 SH   SOLE   2,243 0 0
NIKE INC CL-B CL B 654106103   793,358 6,469 SH   SOLE   6,469 0 0
ISHARES C&S REIT ETF COHEN STEER REIT 464287564   1,669,143 30,053 SH   SOLE   30,053 0 0
ALTRIA GROUP INC COM 02209S103   1,103,051 24,721 SH   SOLE   24,721 0 0
ABBVIE INC COM 00287Y109   1,163,241 7,299 SH   SOLE   7,299 0 0
AT & T INC COM 00206R102   5,635,553 292,756 SH   SOLE   292,756 0 0
BLACKROCK INC COM 09247X101   250,250 374 SH   SOLE   374 0 0
BLACKSTONE INC COM 09260D107   310,514 3,535 SH   SOLE   3,535 0 0
BRISTOL MYERS SQUIBB CO COM 110122108   603,551 8,708 SH   SOLE   8,708 0 0
CATERPILLAR INC COM 149123101   214,423 937 SH   SOLE   937 0 0
CHEVRON CORP COM 166764100   7,424,269 45,503 SH   SOLE   45,503 0 0
CHUBB LTD COM H1467J104   237,482 1,223 SH   SOLE   1,223 0 0
CIGNA GROUP COM 125523100   7,355,686 28,786 SH   SOLE   28,786 0 0
CINTAS CORP COM 172908105   306,294 662 SH   SOLE   662 0 0
CISCO SYSTEMS INC COM 17275R102   7,132,766 136,447 SH   SOLE   136,447 0 0
CME GROUP INC CL-A COM 12572Q105   226,951 1,185 SH   SOLE   1,185 0 0
COCA COLA CO COM 191216100   346,313 5,583 SH   SOLE   5,583 0 0
CONOCOPHILLIPS COM 20825C104   269,652 2,718 SH   SOLE   2,718 0 0
COSTCO WHOLESALE CORP COM 22160K105   4,817,651 9,696 SH   SOLE   9,696 0 0
CVS HEALTH CORP COM 126650100   304,002 4,091 SH   SOLE   4,091 0 0
D.R HORTON INC COM 23331A109   6,189,052 63,354 SH   SOLE   63,354 0 0
DANAHER CORP COM 235851102   516,682 2,050 SH   SOLE   2,050 0 0
DEERE & CO COM 244199105   364,573 883 SH   SOLE   883 0 0
DUPONT DE NEMOURS INC COM 26614N102   6,951,211 96,854 SH   SOLE   96,854 0 0
DZS INC COM 268211109   394,500 50,000 SH   SOLE   50,000 0 0
ELI LILLY & CO COM 532457108   535,735 1,560 SH   SOLE   1,560 0 0
EMERSON ELECTRIC CO COM 291011104   342,111 3,926 SH   SOLE   3,926 0 0
ENERGOUS CORP COM 29272C103   5,400 10,000 SH   SOLE   10,000 0 0
EQUIFAX INC COM 294429105   385,396 1,900 SH   SOLE   1,900 0 0
EXXON MOBIL CORP COM 30231G102   7,312,348 66,682 SH   SOLE   66,682 0 0
FACTSET RESEARCH SYSTEMS COM 303075105   252,789 609 SH   SOLE   609 0 0
FERRARI N.V. COM N3167Y103   541,880 2,000 SH   SOLE   2,000 0 0
GENERAL DYNAMICS CORP COM 369550108   6,422,285 28,142 SH   SOLE   28,142 0 0
FORTINET INC COM 34959E109   207,355 3,120 SH   SOLE   3,120 0 0
DISNEY WALT COMPANY COM 254687106   2,217,778 22,149 SH   SOLE   22,149 0 0
DOMINION ENERGY INC COM 25746U109   5,349,245 95,676 SH   SOLE   95,676 0 0
FIRST FINL BANKSHARES COM 32020R109   375,112 11,759 SH   SOLE   11,759 0 0
ADOBE INC COM 00724F101   417,355 1,083 SH   SOLE   1,083 0 0
HALOZYME THERAPEUTICS INC COM 40637H109   384,764 10,075 SH   SOLE   10,075 0 0
HCA HEALTHCARE INC COM 40412C101   272,908 1,035 SH   SOLE   1,035 0 0
HOME DEPOT INC COM 437076102   9,702,070 32,875 SH   SOLE   32,875 0 0
HONEYWELL INTL INC COM 438516106   364,656 1,908 SH   SOLE   1,908 0 0
HORIZON BANCORP INC COM 440407104   251,924 22,778 SH   SOLE   22,778 0 0
IDEXX LABS INC COM 45168D104   411,565 823 SH   SOLE   823 0 0
ILLINOIS TOOL WORKS COM 452308109   249,049 1,023 SH   SOLE   1,023 0 0
INTEL CORPORATION COM 458140100   5,340,042 163,454 SH   SOLE   163,454 0 0
INTL BUSINESS MACHINES COM 459200101   425,911 3,249 SH   SOLE   3,249 0 0
INTUIT INC COM 461202103   209,985 471 SH   SOLE   471 0 0
NORTHROP GRUMMAN CORP COM 666807102   829,249 1,796 SH   SOLE   1,796 0 0
NETFLIX INC COM 64110L106   1,135,247 3,286 SH   SOLE   3,286 0 0
NEXTERA ENERGY INC COM 65339F101   312,096 4,049 SH   SOLE   4,049 0 0
KRAFT HEINZ COMPANY (THE) COM 500754106   272,430 7,045 SH   SOLE   7,045 0 0
METLIFE INC COM 59156R108   5,471,911 94,441 SH   SOLE   94,441 0 0
MICROSOFT CORP COM 594918104   20,840,053 72,286 SH   SOLE   72,286 0 0
MODERNA INC COM 60770K107   733,190 4,774 SH   SOLE   4,774 0 0
MCDONALDS CORP COM 580135101   1,570,569 5,617 SH   SOLE   5,617 0 0
MERCK & CO INC-NEW COM 58933Y105   7,957,333 74,794 SH   SOLE   74,794 0 0
JOHNSON & JOHNSON COM 478160104   7,732,795 49,889 SH   SOLE   49,889 0 0
JP MORGAN CHASE & CO COM 46625H100   8,595,377 65,961 SH   SOLE   65,961 0 0
LOCKHEED MARTIN CORP COM 539830109   1,880,992 3,979 SH   SOLE   3,979 0 0
LOWES COMPANIES INC COM 548661107   719,492 3,598 SH   SOLE   3,598 0 0
LULULEMON ATHLETICA INC COM 550021109   527,347 1,448 SH   SOLE   1,448 0 0
MARATHON PETROLEUM CORP COM 56585A102   221,256 1,641 SH   SOLE   1,641 0 0
PROCTER & GAMBLE CO. COM 742718109   7,871,351 52,938 SH   SOLE   52,938 0 0
PROLOGIS INC COM 74340W103   202,876 1,626 SH   SOLE   1,626 0 0
QUALCOMM INC COM 747525103   281,569 2,207 SH   SOLE   2,207 0 0
RAYTHEON TECHNOLOGIES CRP COM 75513E101   697,163 7,119 SH   SOLE   7,119 0 0
REGENERON PHARM INC COM 75886F107   8,681,765 10,566 SH   SOLE   10,566 0 0
RPM INTL INC (DEL) COM 749685103   6,266,972 71,836 SH   SOLE   71,836 0 0
SALESFORCE INC COM 79466L302   10,517,617 52,646 SH   SOLE   52,646 0 0
NVIDIA CORP COM 67066G104   16,336,918 58,814 SH   SOLE   58,814 0 0
OCCIDENTAL PETE CORP COM 674599105   268,636 4,303 SH   SOLE   4,303 0 0
ONEOK INC COM 682680103   303,467 4,776 SH   SOLE   4,776 0 0
ORACLE CORP COM 68389X105   557,148 5,996 SH   SOLE   5,996 0 0
OXFORD LANE CAP CORP COM 691543102   52,300 10,000 SH   SOLE   10,000 0 0
PALO ALTO NETWORKS INC COM 697435105   289,623 1,450 SH   SOLE   1,450 0 0
PARKER-HANNIFIN CORP COM 701094104   240,990 717 SH   SOLE   717 0 0
PAYCHEX INC COM 704326107   321,539 2,806 SH   SOLE   2,806 0 0
PENNYMAC FINL SVCS INC-A COM 70932M107   336,319 5,642 SH   SOLE   5,642 0 0
PEPSICO INC COM 713448108   1,383,839 7,591 SH   SOLE   7,591 0 0
PFIZER INC COM 717081103   6,795,852 166,565 SH   SOLE   166,565 0 0
PHILIP MORRIS INTL INC COM 718172109   1,692,830 17,407 SH   SOLE   17,407 0 0
SEMPRA COM 816851109   334,063 2,210 SH   SOLE   2,210 0 0
SENSEONICS HOLDINGS INC COM 81727U105   35,500 50,000 SH   SOLE   50,000 0 0
SHERWIN-WILLIAMS CO COM 824348106   899,754 4,003 SH   SOLE   4,003 0 0
STARBUCKS CORP COM 855244109   5,322,917 51,118 SH   SOLE   51,118 0 0
T-MOBILE US INC COM 872590104   406,276 2,805 SH   SOLE   2,805 0 0
TARGET CORP COM 87612E106   7,622,126 46,019 SH   SOLE   46,019 0 0
TESLA INC COM 88160R101   3,131,608 15,095 SH   SOLE   15,095 0 0
TEXAS INSTRUMENTS INC COM 882508104   443,261 2,383 SH   SOLE   2,383 0 0
THERMO FISHER SCIENTIFIC COM 883556102   677,811 1,176 SH   SOLE   1,176 0 0
TJX COMPANIES INC COM 872540109   363,512 4,639 SH   SOLE   4,639 0 0
UNITED HEALTH GROUP INC COM 91324P102   1,649,811 3,491 SH   SOLE   3,491 0 0
VERIZON COMMUNICATIONS COM 92343V104   612,245 15,743 SH   SOLE   15,743 0 0
WALMART INC COM 931142103   8,206,034 55,653 SH   SOLE   55,653 0 0
WASTE MANAGEMENT INC COM 94106L109   680,418 4,170 SH   SOLE   4,170 0 0
WELLS FARGO CO COM 949746101   1,408,291 37,675 SH   SOLE   37,675 0 0
VISA INC CLASS-A COM CL A 92826C839   10,120,448 44,888 SH   SOLE   44,888 0 0
DUKE ENERGY CORP-NEW COM NEW 26441C204   203,069 2,105 SH   SOLE   2,105 0 0
CITIGROUP INC-NEW COM NEW 172967424   5,769,298 123,039 SH   SOLE   123,039 0 0
CHENIERE ENERGY INC COM NEW 16411R208   1,103,988 7,005 SH   SOLE   7,005 0 0
ISHARES CORE DIV GWTH ETF CORE DIV GRWTH 46434V621   20,937,261 418,829 SH   SOLE   418,829 0 0
ISHARES CORE HIGH DIV ETF CORE HIGH DV ETF 46429B663   224,261 2,206 SH   SOLE   2,206 0 0
ISHARES CORE MSCI EAFE CORE MSCI EAFE 46432F842   16,731,551 250,285 SH   SOLE   250,285 0 0
ISHARES CORE MSCI EMG MKT CORE MSCI EMKT 46434G103   15,638,073 320,518 SH   SOLE   320,518 0 0
iShares Core MSCI Europe CORE MSCI EURO 46434V738   12,082,913 230,678 SH   SOLE   230,678 0 0
ISHARES CORE S&P MID-CAP CORE S&P MCP ETF 464287507   708,202 2,831 SH   SOLE   2,831 0 0
ISHARES CORE S&P SML-CAP CORE S&P SCP ETF 464287804   9,275,560 95,921 SH   SOLE   95,921 0 0
ISHARES CORE S&P 500 ETF CORE S&P500 ETF 464287200   16,788,963 40,841 SH   SOLE   40,841 0 0
ISHARES CORE US AGG BD ET CORE US AGGBD ET 464287226   3,480,923 34,935 SH   SOLE   34,935 0 0
VANGUARD DIV APPR ETF DIV APP ETF 921908844   204,371 1,327 SH   SOLE   1,327 0 0
SPDR DJ GLB R/ESTATE ETF DJ GLB RL ES ETF 78463X749   3,635,457 88,325 SH   SOLE   88,325 0 0
SPDR DJ REIT ETF DJ REIT ETF 78464A607   727,729 8,197 SH   SOLE   8,197 0 0
First Trust Dorsey Wright Focus 5 DORSEY WRT 5 ETF 33738R605   28,357,810 629,055 SH   SOLE   629,055 0 0
ISHARES MSCI EAFE GTH ETF EAFE GRWTH ETF 464288885   2,825,201 30,158 SH   SOLE   30,158 0 0
ISHARES MSCI EAFE S/C ETF EAFE SML CP ETF 464288273   33,320,482 559,914 SH   SOLE   559,914 0 0
ISHARES MSCI EAFE VAL IND EAFE VALUE ETF 464288877   34,073,786 702,118 SH   SOLE   702,118 0 0
WISDOMTREE E/M QLTY DV GW EM MKTS QTLY DIV 97717W323   24,688,010 1,091,424 SH   SOLE   1,091,424 0 0
WISDOMTREE EM MK HIGH DIV EMER MKT HIGH FD 97717W315   1,774,914 46,881 SH   SOLE   46,881 0 0
SCHWAB EMRG MKT EQT ETF EMRG MKTEQ ETF 808524706   277,026 11,298 SH   SOLE   11,298 0 0
VANGUARD S/I ENERGY ETF ENERGY ETF 92204A306   6,701,044 58,662 SH   SOLE   58,662 0 0
PIMCO ENH SHRT MAT ACTV ENHAN SHRT MA AC 72201R833   7,409,200 74,651 SH   SOLE   74,651 0 0
ISHRS ESG ADV H/Y CRP BND ESG ADVNCD HY BD 46435G441   264,090 5,952 SH   SOLE   5,952 0 0
ISHRS ESG AWR MSCI EAFE ESG AW MSCI EAFE 46435G516   4,177,279 58,147 SH   SOLE   58,147 0 0
ISHS ESG MSCI USA S/C ETF ESG AWARE MSCI 46435U663   611,513 17,991 SH   SOLE   17,991 0 0
ISHRS ESG AWR MSCI EM ETF ESG AWR MSCI EM 46434G863   215,449 6,844 SH   SOLE   6,844 0 0
ISHRS ESG AWARE US AGG BD ESG AWR US AGRGT 46435U549   230,207 4,790 SH   SOLE   4,790 0 0
ISHRS ESG AWARE 1-5Y USD ESG AWRE 1 5 YR 46435G243   1,480,411 61,530 SH   SOLE   61,530 0 0
ISHS ESG MSCI USA LDR ETF ESG MSCI LEADR 46435U218   580,483 8,146 SH   SOLE   8,146 0 0
ISHRS ESG SCRN S&P M/CAP ESG SCRD S&P MID 46436E551   486,940 14,326 SH   SOLE   14,326 0 0
SPDR Euro Stoxx 50 EURO STOXX 50 78463X202   7,352,424 163,751 SH   SOLE   163,751 0 0
iShares Europe EUROPE ETF 464287861   857,142 17,136 SH   SOLE   17,136 0 0
SECTOR SPDR TR INT-FINL FINANCIAL 81369Y605   288,899 8,986 SH   SOLE   8,986 0 0
FIRST TR ENH SHRT MAT ETF FIRST TR ENH NEW 33739Q408   213,045 3,580 SH   SOLE   3,580 0 0
FIRST TR TACTICAL H/Y ETF FIRST TR TA HIYL 33738D408   43,741,009 1,100,126 SH   SOLE   1,100,126 0 0
ISHARES FLOT RATE BND ETF FLTG RATE NT ETF 46429B655   2,456,562 48,751 SH   SOLE   48,751 0 0
VANGUARD FTSE DEV MKT ETF FTSE DEV MKT ETF 921943858   966,773 21,403 SH   SOLE   21,403 0 0
VANGUARD FTSE EMERG MKT FTSE EMR MKT ETF 922042858   1,650,420 40,852 SH   SOLE   40,852 0 0
VANGUARD FTSE EUROPE ETF FTSE EUROPE ETF 922042874   6,471,562 106,178 SH   SOLE   106,178 0 0
FUNDX ETF FUNDX ETF 360876809   49,071,061 1,021,124 SH   SOLE   1,021,124 0 0
LINDE PLC G54950103 G54950103   249,874 703 SH   SOLE   703 0 0
GLOBAL X GENOMICS&BIO ETF GENOMIC BIOTECH 37954Y434   5,706,759 463,211 SH   SOLE   463,211 0 0
VANECK GOLD MINERS ETF GOLD MINERS ETF 92189F106   2,008,320 62,081 SH   SOLE   62,081 0 0
SPDR GOLD TRUST ETF GOLD SHS 78463V107   7,321,287 39,959 SH   SOLE   39,959 0 0
VANGUARD GROWTH ETF GROWTH ETF 922908736   6,599,619 26,457 SH   SOLE   26,457 0 0
iShares Currency Hedged MSCI EAFE HDG MSCI EAFE 46434V803   12,035,194 408,388 SH   SOLE   408,388 0 0
IQ Hedge Multi Strat Tracker HEDGE MLTI ETF 45409B107   1,600,941 54,808 SH   SOLE   54,808 0 0
Janus Henderson AAA CLO HENDRSON AAA CL 47103U845   7,607,531 153,656 SH   SOLE   153,656 0 0
VANGUARD HIGH DIV YIELD HIGH DIV YLD 921946406   227,669 2,158 SH   SOLE   2,158 0 0
SPDR HLTH CARE EQUIP ETF HLTH CR EQUIP 78464A581   204,818 2,188 SH   SOLE   2,188 0 0
FLEX 3Y TARG DUR TIPS ETF IBOXX 3R TARGT 33939L506   941,663 38,960 SH   SOLE   38,960 0 0
ISHARES IBOXX $ HI YLD BD IBOXX HI YD ETF 464288513   19,607,914 259,535 SH   SOLE   259,535 0 0
ISHARES IBOXX$ INV GR CRP IBOXX INV CP ETF 464287242   5,297,143 48,327 SH   SOLE   48,327 0 0
Inspire Small/Mid Cap INSPIRE SML/ MID 66538H641   372,480 12,000 SH   SOLE   12,000 0 0
VANGUARD INTER-TRM CRP BD INT-TERM CORP 92206C870   389,628 4,857 SH   SOLE   4,857 0 0
VANGUARD INTER-TERM TREAS INTER TERM TREAS 92206C706   8,593,107 143,314 SH   SOLE   143,314 0 0
VANGUARD INTRM-TRM BD ETF INTERMED TERM 921937819   10,655,425 138,851 SH   SOLE   138,851 0 0
SCHWAB INTL EQUITY ETF INTL EQTY ETF 808524805   929,960 26,723 SH   SOLE   26,723 0 0
WISDOMTREE ITL MIDCP DIV INTL MIDCAP DV 97717W778   815,633 13,952 SH   SOLE   13,952 0 0
WISDOM INTL QLTY DIV GWTH INTL QULTY DIV 97717X131   64,421,756 1,902,030 SH   SOLE   1,902,030 0 0
SCHWAB INTL S/CP EQT ETF INTL SCEQT ETF 808524888   5,030,577 149,231 SH   SOLE   149,231 0 0
WISDOMTREE ITL SMCP DV/FD INTL SMCAP DIV 97717W760   826,346 13,560 SH   SOLE   13,560 0 0
VANECK IG FLTG RATE ETF INVT GRADE FLTG 92189F486   267,328 10,706 SH   SOLE   10,706 0 0
ISHARES GOLD TR ETF-NEW ISHARES NEW 464285204   1,997,078 53,455 SH   SOLE   53,455 0 0
ISHARES 1-5Y I/G CORP BND ISHS 1-5YR INVS 464288646   85,812,421 1,697,911 SH   SOLE   1,697,911 0 0
ISHARES 5-10Y I/G CORP BD ISHS 5-10YR INVT 464288638   90,966,720 1,773,922 SH   SOLE   1,773,922 0 0
JPMorgan Diversified Rtn US Equity JPMORGAN DIVER 46641Q407   5,567,444 58,229 SH   SOLE   58,229 0 0
VANGUARD LARGE-CAP ETF LARGE CAP ETF 922908637   3,313,262 17,736 SH   SOLE   17,736 0 0
iShares Latin America 40 LATN AMER 40 ETF 464287390   529,341 22,176 SH   SOLE   22,176 0 0
FIRST TR LONG/SHRT EQ ETF LNG/SHT EQUITY 33739P103   2,840,888 55,912 SH   SOLE   55,912 0 0
VANGUARD MID-CAP GWTH IND MCAP GR IDXVIP 922908538   415,505 2,132 SH   SOLE   2,132 0 0
VANGUARD MID-CAP VAL IND MCAP VL IDXVIP 922908512   393,093 2,932 SH   SOLE   2,932 0 0
VANGUARD MEGA CAP VAL ETF MEGA CAP VAL ETF 921910840   2,901,547 28,722 SH   SOLE   28,722 0 0
Vanguard Mega Cap Gr MEGA GRWTH IND 921910816   28,760,884 140,633 SH   SOLE   140,633 0 0
ISHARES RUSS MICROCAP IND MICRO-CAP ETF 464288869   28,137,331 269,231 SH   SOLE   269,231 0 0
VANGUARD MID-CAP ETF MID CAP ETF 922908629   5,576,092 26,437 SH   SOLE   26,437 0 0
iShares Core Moderate Alloc MODERT ALLOC ETF 464289875   1,858,671 46,630 SH   SOLE   46,630 0 0
iShares Morningstar Growth MORNINGSTAR GRWT 464287119   3,658,109 66,080 SH   SOLE   66,080 0 0
VANECK VEC MORN WMOAT ETF MORNINGSTAR WIDE 92189F643   332,825 4,508 SH   SOLE   4,508 0 0
ISHARES MSCI EAFE ETF MSCI EAFE ETF 464287465   8,026,617 112,229 SH   SOLE   112,229 0 0
ISHARES MSCI EMG MRK INDX MSCI EMG MKT ETF 464287234   269,037 6,818 SH   SOLE   6,818 0 0
FIDELITY MSCI ENERGY ETF MSCI ENERGY IDX 316092402   600,247 26,749 SH   SOLE   26,749 0 0
ISHARES MSCI EUROZONE ETF MSCI EURZONE ETF 464286608   7,398,078 164,110 SH   SOLE   164,110 0 0
iShares MSCI Global Impact MSCI GBL SUS DEV 46435G532   273,759 3,457 SH   SOLE   3,457 0 0
FIDELITY MSCI HLTHCR ETF MSCI HLTH CARE I 316092600   285,896 4,651 SH   SOLE   4,651 0 0
ISHARES MSCI KLD 400 SOC MSCI KLD400 SOC 464288570   1,402,415 17,982 SH   SOLE   17,982 0 0
iShares MSCI Mexico MSCI MEXICO ETF 464286822   210,617 3,538 SH   SOLE   3,538 0 0
ISHS TR MSCI USA ESG ETF MSCI USA ESG SLC 464288802   1,624,973 18,514 SH   SOLE   18,514 0 0
ISHR MSCI USA MOMENT ETF MSCI USA MMENTM 46432F396   345,653 2,486 SH   SOLE   2,486 0 0
ASML HOLDING NV NY RG-NEW N Y REGISTRY SHS N07059210   216,465 318 SH   SOLE   318 0 0
Fidelity Nasdaq Composite Index Tracking Stock Fund NASDAQ COMPSIT 315912808   475,184 9,910 SH   SOLE   9,910 0 0
First Trust NASDAQ Clean Edge Smart Grid Infra NASDQ CLN EDGE 33737A108   890,170 9,115 SH   SOLE   9,115 0 0
ISHARES NATL MUNI BND ETF NATIONAL MUN ETF 464288414   66,749,777 619,545 SH   SOLE   619,545 0 0
ISHARES S&P N/AM NAT RES NORTH AMERN NAT 464287374   3,937,829 100,531 SH   SOLE   100,531 0 0
NABORS INDS INC NOTE 0.750% 1/1 62957HAB1   40,957 43,000 SH   SOLE   43,000 0 0
WESTERN DIGITAL NOTE 1.500% 2/0 958102AP0   28,920 30,000 SH   SOLE   30,000 0 0
VISHAY NOTE 2.250% 6/1 928298AP3   78,413 79,000 SH   SOLE   79,000 0 0
SPDR NUV BLM S/T MUNI ETF NUVEEN BLMBRG SR 78468R739   10,145,648 213,368 SH   SOLE   213,368 0 0
SPDR NUV BLM MUNI BND ETF NUVEEN BRC MUNIC 78468R721   12,270,351 262,075 SH   SOLE   262,075 0 0
NUSHARES ESG EMRG MKT ETF NUVEEN ESG EMRGN 67092P888   585,416 21,787 SH   SOLE   21,787 0 0
Nuveen ESG Intl Dvlpd Mkts Eq NUVEEN ESG INTL 67092P805   265,396 9,438 SH   SOLE   9,438 0 0
NUVEEN ESG LG-CAP GRW ETF NUVEEN ESG LRGCP 67092P201   1,712,722 30,727 SH   SOLE   30,727 0 0
NUSHARE ESG LG CP VAL ETF NUVEEN ESG LRGVL 67092P300   1,459,149 42,828 SH   SOLE   42,828 0 0
NUVEEN ESG SML-CAP ETF NUVEEN ESG SMLCP 67092P607   466,420 13,172 SH   SOLE   13,172 0 0
KONINKLIJKE PHILIPS N.V. NY REG SH NEW 500472303   4,346,858 236,886 SH   SOLE   236,886 0 0
SPDR PTFL DEV WRLD EX-US PORTFOLIO DEVLPD 78463X889   1,540,924 47,974 SH   SOLE   47,974 0 0
SPDR INDX PTFL EM MKT ETF PORTFOLIO EMG MK 78463X509   632,804 18,541 SH   SOLE   18,541 0 0
SPDR PTFL S/T CRP BND ETF PORTFOLIO SHORT 78464A474   216,150 7,295 SH   SOLE   7,295 0 0
SPDR PTFL S&P 500 GW ETF PRTFLO S&P500 GW 78464A409   20,543,154 371,083 SH   SOLE   371,083 0 0
SPDR PTFL S&P 500 VAL ETF PRTFLO S&P500 VL 78464A508   17,334,137 425,691 SH   SOLE   425,691 0 0
VANGUARD REAL ESTATE ETF REAL ESTATE ETF 922908553   1,229,241 14,803 SH   SOLE   14,803 0 0
ISHARES RUSS 1000 GWT IND RUS 1000 GRW ETF 464287614   6,794,816 27,810 SH   SOLE   27,810 0 0
ISHARES RUSS 1000 VAL IND RUS 1000 VAL ETF 464287598   3,478,075 22,843 SH   SOLE   22,843 0 0
ISHARES RUSS 2000 GW INDX RUS 2000 GRW ETF 464287648   6,522,435 28,756 SH   SOLE   28,756 0 0
ISHARES RUSS 2000 VAL IND RUS 2000 VAL ETF 464287630   5,673,860 41,409 SH   SOLE   41,409 0 0
ISHARES-RUSSEL MID GWTH RUS MD CP GR ETF 464287481   22,290,861 244,820 SH   SOLE   244,820 0 0
ISHARES RUSS M/CAP VL IND RUS MDCP VAL ETF 464287473   35,885,617 337,906 SH   SOLE   337,906 0 0
ISHARES RUSSELL M/CAP IND RUS MID CAP ETF 464287499   10,754,115 153,806 SH   SOLE   153,806 0 0
ISHARES RUSS 200 GROW ETF RUS TP200 GR ETF 464289438   4,683,746 33,713 SH   SOLE   33,713 0 0
ISHARES RUSSELL 2500 RUSEL 2500 ETF 46435G268   236,657 4,317 SH   SOLE   4,317 0 0
ISHARES RUSSELL 2000 INDX RUSSELL 2000 ETF 464287655   8,619,396 48,315 SH   SOLE   48,315 0 0
iShares S&P 100 S&P 100 ETF 464287101   3,202,531 17,122 SH   SOLE   17,122 0 0
VANGUARD 500 INDX ETF-NEW S&P 500 ETF SHS 922908363   7,935,115 21,100 SH   SOLE   21,100 0 0
Invesco S&P 500 Top 50 S&P 500 TOP 50 46137V233   1,858,462 5,985 SH   SOLE   5,985 0 0
ISHARES S&P 500 VALUE ETF S&P 500 VAL ETF 464287408   326,064 2,293 SH   SOLE   2,293 0 0
SPDR S&P 600 S/C GWTH ETF S&P 600 SMCP GRW 78464A201   720,390 9,768 SH   SOLE   9,768 0 0
SPDR S&P 600 S/C VAL ETF S&P 600 SMCP VAL 78464A300   565,788 7,427 SH   SOLE   7,427 0 0
SPDR S&P DIVIDEND ETF S&P DIVID ETF 78464A763   19,975,017 161,466 SH   SOLE   161,466 0 0
SPDR S&P INTL SM CAP ETF S&P INTL SMLCP 78463X871   703,235 22,707 SH   SOLE   22,707 0 0
ISHARES S&P MC 400 GW IND S&P MC 400GR ETF 464287606   1,459,662 20,412 SH   SOLE   20,412 0 0
ISHARES S&P MC 400VAL IND S&P MC 400VL ETF 464287705   4,657,125 45,316 SH   SOLE   45,316 0 0
ISHARES S&P SC 600 GW IND S&P SML 600 GWT 464287887   29,487,336 268,213 SH   SOLE   268,213 0 0
INVESCO S&P500 EQ WGT ETF S&P500 EQL WGT 46137V357   14,517,989 100,387 SH   SOLE   100,387 0 0
INVESCO S&P500 HI DIV ETF S&P500 HDL VOL 46138E362   480,813 11,391 SH   SOLE   11,391 0 0
INVESCO S&P500 LW VOL ETF S&P500 LOW VOL 46138E354   649,583 10,410 SH   SOLE   10,410 0 0
INVESCO SP500 PURE VL ETF S&P500 PUR VAL 46137V258   38,153,825 502,685 SH   SOLE   502,685 0 0
SECTOR SPDR INT INDX SBI INT-INDS 81369Y704   594,735 5,878 SH   SOLE   5,878 0 0
Schwab Fundamental Intl Lrg Company SCHWB FDT INT LG 808524755   19,170,698 613,070 SH   SOLE   613,070 0 0
ISHARES SEL DIVIDEND ETF SELECT DIVID ETF 464287168   262,366 2,239 SH   SOLE   2,239 0 0
VANECK SEMICONDUCTOR ETF SEMICONDUCTR ETF 92189F676   2,792,972 10,612 SH   SOLE   10,612 0 0
FIRST TRUST SENR LOAN ETF SENIOR LN FD 33738D309   26,108,365 577,108 SH   SOLE   577,108 0 0
ISHARES SHRT TREAS BD ETF SHORT TREAS BD 464288679   363,655 3,291 SH   SOLE   3,291 0 0
ISHRS S/T NATL MUN BD ETF SHRT NAT MUN ETF 464288158   49,185,886 469,869 SH   SOLE   469,869 0 0
First Trust Morningstar Div Leaders SHS 336917109   16,002,446 450,773 SH   SOLE   450,773 0 0
ACCENTURE PLC CL-A SHS CLASS A G1151C101   632,211 2,212 SH   SOLE   2,212 0 0
ISHS US SHRT MAT BND ETF SHT MAT BD ETF 46431W507   206,832 4,170 SH   SOLE   4,170 0 0
VANGUARD SM-CAP VALUE ETF SM CP VAL ETF 922908611   1,739,821 10,958 SH   SOLE   10,958 0 0
VANGUARD SMALL-CAP ETF SMALL CP ETF 922908751   4,050,897 21,370 SH   SOLE   21,370 0 0
VANGUARD SM-CAP GWTH ETF SML CP GRW ETF 922908595   382,612 1,768 SH   SOLE   1,768 0 0
INVESCO SOLAR ETF SOLAR ETF 46138G706   227,611 2,932 SH   SOLE   2,932 0 0
ISHARES S&P SC 600VAL IND SP SMCP600VL ETF 464287879   30,993,264 331,160 SH   SOLE   331,160 0 0
SSGA ACT SPDR DBL TOT RET SPDR TR TACTIC 78467V848   19,727,182 480,799 SH   SOLE   480,799 0 0
SAP SE SPON ADR SPON ADR 803054204   5,838,890 46,139 SH   SOLE   46,139 0 0
UNILEVER PLC ADR SPON ADR NEW 904767704   5,402,952 104,043 SH   SOLE   104,043 0 0
FRESENIUS MED CARE AG&CO SPONSORED ADR 358029106   222,847 10,482 SH   SOLE   10,482 0 0
VANGUARD TAX-EXMPT BD ETF TAX EXEMPT BD 922907746   978,143 19,308 SH   SOLE   19,308 0 0
SEC TECHNOLOGY SPDR SBI TECHNOLOGY 81369Y803   477,329 3,161 SH   SOLE   3,161 0 0
VANGUARD TOTAL BND MRKT TOTAL BND MRKT 921937835   10,692,692 144,828 SH   SOLE   144,828 0 0
VANGUARD TTL STK MRKT ETF TOTAL STK MKT 922908769   7,424,529 36,376 SH   SOLE   36,376 0 0
SPDR S&P 500 ETF TR UNIT 78462F103   6,639,486 16,218 SH   SOLE   16,218 0 0
VANGUARD TOT WRLD STK ETF TT WRLD ST ETF 922042742   630,632 6,848 SH   SOLE   6,848 0 0
ISHARES US BASIC MAT ETF U.S. BAS MTL ETF 464287838   240,909 1,817 SH   SOLE   1,817 0 0
ISHARES US ENERGY ETF U.S. ENERGY ETF 464287796   1,559,968 35,656 SH   SOLE   35,656 0 0
ISHARES US MED DEVICE ETF U.S. MED DVC ETF 464288810   384,445 7,122 SH   SOLE   7,122 0 0
JP MORG ULT-SHRT INCM ETF ULTRA SHRT INC 46641Q837   25,706,203 510,854 SH   SOLE   510,854 0 0
JPMORGAN ULT-SHRT MUN ETF ULTRA SHT MUNCPL 46641Q654   16,957,866 333,882 SH   SOLE   333,882 0 0
INVESCO QQQ TRUST UNIT SER 1 46090E103   18,275,264 56,944 SH   SOLE   56,944 0 0
SCHWAB US AGGREG BD ETF US AGGREGATE B 808524839   746,338 15,910 SH   SOLE   15,910 0 0
SCHWAB US BROAD MRKT-ETF US BRD MKT ETF 808524102   907,474 18,965 SH   SOLE   18,965 0 0
Pacer U.S. Cash Cows 100 US CASH COWS 100 69374H881   23,447,675 499,418 SH   SOLE   499,418 0 0
SCHWAB US DIV EQTY ETF US DIVIDEND EQ 808524797   315,245 4,309 SH   SOLE   4,309 0 0
DIMENSIONAL US EQUITY ETF US EQUITY ETF 25434V401   213,570 4,833 SH   SOLE   4,833 0 0
WisdomTree U.S. High Div US HIGH DIVIDEND 97717W208   25,990,258 315,914 SH   SOLE   315,914 0 0
ISHARES US HOME CONSTRUCT US HOME CONS ETF 464288752   3,040,565 43,257 SH   SOLE   43,257 0 0
GLOBAL X US INFRS DEV ETF US INFR DEV ETF 37954Y673   552,314 19,482 SH   SOLE   19,482 0 0
WISDOMTREE US L/C DIV FD US LARGECAP DIVD 97717W307   283,009 4,575 SH   SOLE   4,575 0 0
SCHWAB STR US L/C GWT ETF US LCAP GR ETF 808524300   6,172,315 94,711 SH   SOLE   94,711 0 0
SCHWAB STR US L/C VAL ETF US LCAP VA ETF 808524409   5,875,377 89,591 SH   SOLE   89,591 0 0
SCHWAB US LARGE-CAP ETF US LRG CAP ETF 808524201   2,158,669 44,628 SH   SOLE   44,628 0 0
SCHWAB US MID CAP ETF US MID-CAP ETF 808524508   781,632 11,520 SH   SOLE   11,520 0 0
WISDOMTREE US QLTY DIV GW US QTLY DIV GRT 97717X669   58,595,049 939,927 SH   SOLE   939,927 0 0
JP MORGAN US QLTY FAC ETF US QUALTY FCTR 46641Q761   32,110,913 778,824 SH   SOLE   778,824 0 0
WisdomTree US Small Cap Div US SMALLCAP DIVD 97717W604   534,643 18,720 SH   SOLE   18,720 0 0
SCHWAB US SMALL-CAP ETF US SML CAP ETF 808524607   639,600 15,254 SH   SOLE   15,254 0 0
iShares Broad USD Invm Grd Corp USD INV GRDE ETF 464288620   10,562,533 208,498 SH   SOLE   208,498 0 0
SPDR DJIA ETF UT SER 1 78467X109   243,477 732 SH   SOLE   732 0 0
SPDR S&P MIDCAP 400 ETF UTSER1 S&PDCRP 78467Y107   327,763 715 SH   SOLE   715 0 0
VANGUARD VALUE ETF VALUE ETF 922908744   3,335,217 24,149 SH   SOLE   24,149 0 0
VANECK VEC SHORT MUNI ETF VANECK SHRT MUNI 92189F528   2,417,400 142,200 SH   SOLE   142,200 0 0
VANGUARD RUSS1000 GWT ETF VNG RUS1000GRW 92206C680   4,330,982 68,866 SH   SOLE   68,866 0 0
VANGUARD RUSS1000 VAL ETF VNG RUS1000VAL 92206C714   3,674,817 55,004 SH   SOLE   55,004 0 0
INVESCO WILDER CLN EN ETF WILDERHIL CLAN 46137V134   448,348 11,095 SH   SOLE   11,095 0 0
XTrackers MSCI EAFE Hdgd Equity XTRACK MSCI EAFE 233051200   13,216,012 375,454 SH   SOLE   375,454 0 0
XTrackers S&P500 ESG XTRACKERS S&P 233051143   1,568,637 42,179 SH   SOLE   42,179 0 0