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 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   365,808 3,635 SH   SOLE   3,635 0 0
ISHARES 0-5 YEAR HIGH YLD 0-5YR HI YL CP 46434V407   2,854,702 68,871 SH   SOLE   68,871 0 0
ISHARES 0-5 YEAR INVESTMT 0-5YR INVT GR CP 46434V100   3,752,666 77,840 SH   SOLE   77,840 0 0
ISHARES 1-3 YR TREAS BND 1 3 YR TREAS BD 464287457   1,125,065 13,876 SH   SOLE   13,876 0 0
ISHARES GLOBAL REIT ETF 46434V 46434V647   32,156,736 1,399,945 SH   SOLE   1,399,945 0 0
VANGUARD S&P500 VALUE ETF 500 VAL IDX FD 921932703   1,797,556 11,545 SH   SOLE   11,545 0 0
GOLDMAN ACC TREAS 0-1 ETF ACCES TREASURY 381430529   6,088,659 60,844 SH   SOLE   60,844 0 0
Goldman Sachs ActiveBeta US Lrg Cp Eq ACTIVEBETA US LG 381430503   943,363 10,806 SH   SOLE   10,806 0 0
ISHARES CORE AGG ALLO ETF AGGRES ALLOC ETF 464289859   1,648,481 24,849 SH   SOLE   24,849 0 0
FundX Aggressive ETF AGGRESSIVE ETF 360876882   6,498,264 120,151 SH   SOLE   120,151 0 0
VANGRD FTSE ALL-WLD EX-US ALLWRLD EX US 922042775   3,431,529 63,068 SH   SOLE   63,068 0 0
JPMorgan BetaBuilders Europe BETABUILDERS EUR 46641Q191   2,402,942 44,400 SH   SOLE   44,400 0 0
BLACKROCK SHRT MATRTY BLACKROCK SHORT 46431W838   1,266,307 25,382 SH   SOLE   25,382 0 0
SSGA ACT SPDR BLKSTNE ETF BLACKSTONE SENR 78467V608   520,234 12,425 SH   SOLE   12,425 0 0
SPDR BLM 1-3M T-BILL ETF BLOOMBERG 1-3 MO 78468R663   22,793,488 248,241 SH   SOLE   248,241 0 0
ISHARES CALIFORNIA MUNI CALIF MUN BD ETF 464288356   733,516 12,880 SH   SOLE   12,880 0 0
ALPHABET INC CL-A CAP STK CL A 02079K305   2,854,246 23,845 SH   SOLE   23,845 0 0
ALPHABET INC CL-C CAP STK CL C 02079K107   13,359,805 110,439 SH   SOLE   110,439 0 0
MARRIOTT INTL INC-A CL A 571903202   313,191 1,705 SH   SOLE   1,705 0 0
MASTERCARD INC CL-A CL A 57636Q104   6,774,985 17,226 SH   SOLE   17,226 0 0
META PLATFORMS INC CL-A CL A 30303M102   13,928,287 48,534 SH   SOLE   48,534 0 0
MONDELEZ INTL INC CL-A CL A 609207105   337,493 4,627 SH   SOLE   4,627 0 0
ZOETIS INC-A CL A 98978V103   321,516 1,867 SH   SOLE   1,867 0 0
NIKE INC CL-B CL B 654106103   634,406 5,748 SH   SOLE   5,748 0 0
ISHARES C&S REIT ETF COHEN STEER REIT 464287564   1,527,841 27,494 SH   SOLE   27,494 0 0
MCDONALDS CORP COM 580135101   1,514,430 5,075 SH   SOLE   5,075 0 0
MERCK & CO INC-NEW COM 58933Y105   8,715,637 75,532 SH   SOLE   75,532 0 0
LOCKHEED MARTIN CORP COM 539830109   1,395,872 3,032 SH   SOLE   3,032 0 0
LOWES COMPANIES INC COM 548661107   643,019 2,849 SH   SOLE   2,849 0 0
LULULEMON ATHLETICA INC COM 550021109   338,000 893 SH   SOLE   893 0 0
JP MORGAN CHASE & CO COM 46625H100   9,669,432 66,484 SH   SOLE   66,484 0 0
JOHNSON & JOHNSON COM 478160104   8,457,740 51,098 SH   SOLE   51,098 0 0
ALTRIA GROUP INC COM 02209S103   1,018,797 22,490 SH   SOLE   22,490 0 0
AT & T INC COM 00206R102   4,970,323 311,619 SH   SOLE   311,619 0 0
BLACKSTONE INC COM 09260D107   263,105 2,830 SH   SOLE   2,830 0 0
BROADCOM INC COM 11135F101   229,001 264 SH   SOLE   264 0 0
CHEVRON CORP COM 166764100   7,432,112 47,233 SH   SOLE   47,233 0 0
CIGNA GROUP COM 125523100   8,656,229 30,849 SH   SOLE   30,849 0 0
CINTAS CORP COM 172908105   211,259 425 SH   SOLE   425 0 0
CISCO SYSTEMS INC COM 17275R102   7,076,945 136,779 SH   SOLE   136,779 0 0
CONOCOPHILLIPS COM 20825C104   247,731 2,391 SH   SOLE   2,391 0 0
COSTCO WHOLESALE CORP COM 22160K105   4,793,735 8,904 SH   SOLE   8,904 0 0
D.R HORTON INC COM 23331A109   7,366,990 60,539 SH   SOLE   60,539 0 0
DANAHER CORP COM 235851102   378,240 1,576 SH   SOLE   1,576 0 0
DISNEY WALT COMPANY COM 254687106   1,688,106 18,908 SH   SOLE   18,908 0 0
DOMINION ENERGY INC COM 25746U109   5,522,989 106,642 SH   SOLE   106,642 0 0
DUPONT DE NEMOURS INC COM 26614N102   7,279,878 101,902 SH   SOLE   101,902 0 0
DZS INC COM 268211109   324,130 81,645 SH   SOLE   81,645 0 0
ELI LILLY & CO COM 532457108   768,658 1,639 SH   SOLE   1,639 0 0
ENERGOUS CORP COM 29272C103   2,400 10,000 SH   SOLE   10,000 0 0
EQUIFAX INC COM 294429105   447,070 1,900 SH   SOLE   1,900 0 0
EXXON MOBIL CORP COM 30231G102   7,447,868 69,444 SH   SOLE   69,444 0 0
FERRARI N.V. COM N3167Y103   650,420 2,000 SH   SOLE   2,000 0 0
ABBVIE INC COM 00287Y109   974,232 7,231 SH   SOLE   7,231 0 0
DEERE & CO COM 244199105   261,752 646 SH   SOLE   646 0 0
FIRST FINL BANKSHARES COM 32020R109   335,013 11,759 SH   SOLE   11,759 0 0
FORTINET INC COM 34959E109   235,840 3,120 SH   SOLE   3,120 0 0
GENERAL DYNAMICS CORP COM 369550108   6,513,666 30,275 SH   SOLE   30,275 0 0
HALOZYME THERAPEUTICS INC COM 40637H109   363,405 10,075 SH   SOLE   10,075 0 0
HOME DEPOT INC COM 437076102   10,152,336 32,682 SH   SOLE   32,682 0 0
HONEYWELL INTL INC COM 438516106   344,865 1,662 SH   SOLE   1,662 0 0
HORIZON BANCORP INC COM 440407104   237,118 22,778 SH   SOLE   22,778 0 0
IDEXX LABS INC COM 45168D104   419,864 836 SH   SOLE   836 0 0
INTEL CORPORATION COM 458140100   5,645,441 168,823 SH   SOLE   168,823 0 0
INTL BUSINESS MACHINES COM 459200101   304,819 2,278 SH   SOLE   2,278 0 0
ADOBE INC COM 00724F101   7,327,514 14,985 SH   SOLE   14,985 0 0
NORTHROP GRUMMAN CORP COM 666807102   724,266 1,589 SH   SOLE   1,589 0 0
METLIFE INC COM 59156R108   5,909,985 104,546 SH   SOLE   104,546 0 0
MICROSOFT CORP COM 594918104   23,446,519 68,851 SH   SOLE   68,851 0 0
MODERNA INC COM 60770K107   597,051 4,914 SH   SOLE   4,914 0 0
NVIDIA CORP COM 67066G104   22,561,583 53,334 SH   SOLE   53,334 0 0
ONEOK INC COM 682680103   293,663 4,758 SH   SOLE   4,758 0 0
ORACLE CORP COM 68389X105   486,959 4,089 SH   SOLE   4,089 0 0
OXFORD LANE CAP CORP COM 691543102   48,400 10,000 SH   SOLE   10,000 0 0
PALO ALTO NETWORKS INC COM 697435105   356,436 1,395 SH   SOLE   1,395 0 0
PARKER-HANNIFIN CORP COM 701094104   284,339 729 SH   SOLE   729 0 0
PENNYMAC FINL SVCS INC-A COM 70932M107   396,689 5,642 SH   SOLE   5,642 0 0
PEPSICO INC COM 713448108   1,276,906 6,894 SH   SOLE   6,894 0 0
PFIZER INC COM 717081103   6,572,102 179,174 SH   SOLE   179,174 0 0
PHILIP MORRIS INTL INC COM 718172109   1,545,519 15,832 SH   SOLE   15,832 0 0
PROCTER & GAMBLE CO. COM 742718109   8,102,460 53,397 SH   SOLE   53,397 0 0
QUALCOMM INC COM 747525103   210,224 1,766 SH   SOLE   1,766 0 0
REGENERON PHARM INC COM 75886F107   7,799,751 10,855 SH   SOLE   10,855 0 0
RPM INTL INC (DEL) COM 749685103   6,984,583 77,840 SH   SOLE   77,840 0 0
RTX CORP COM 75513E101   554,845 5,664 SH   SOLE   5,664 0 0
SALESFORCE INC COM 79466L302   10,711,515 50,703 SH   SOLE   50,703 0 0
SENSEONICS HOLDINGS INC COM 81727U105   38,150 50,000 SH   SOLE   50,000 0 0
SHERWIN-WILLIAMS CO COM 824348106   895,333 3,372 SH   SOLE   3,372 0 0
NETFLIX INC COM 64110L106   1,359,352 3,086 SH   SOLE   3,086 0 0
STARBUCKS CORP COM 855244109   5,015,605 50,632 SH   SOLE   50,632 0 0
TARGET CORP COM 87612E106   6,476,553 49,102 SH   SOLE   49,102 0 0
TESLA INC COM 88160R101   3,760,325 14,365 SH   SOLE   14,365 0 0
TEXAS INSTRUMENTS INC COM 882508104   406,125 2,256 SH   SOLE   2,256 0 0
THERMO FISHER SCIENTIFIC COM 883556102   532,185 1,020 SH   SOLE   1,020 0 0
TJX COMPANIES INC COM 872540109   224,947 2,653 SH   SOLE   2,653 0 0
VERIZON COMMUNICATIONS COM 92343V104   448,362 12,056 SH   SOLE   12,056 0 0
UNITED HEALTH GROUP INC COM 91324P102   1,458,261 3,034 SH   SOLE   3,034 0 0
WALMART INC COM 931142103   8,764,042 55,758 SH   SOLE   55,758 0 0
WASTE MANAGEMENT INC COM 94106L109   636,451 3,670 SH   SOLE   3,670 0 0
WELLS FARGO CO COM 949746101   1,553,423 36,397 SH   SOLE   36,397 0 0
VISA INC CLASS-A COM CL A 92826C839   10,570,947 44,513 SH   SOLE   44,513 0 0
CITIGROUP INC-NEW COM NEW 172967424   6,250,160 135,755 SH   SOLE   135,755 0 0
CHENIERE ENERGY INC COM NEW 16411R208   548,496 3,600 SH   SOLE   3,600 0 0
iShares Core Conservative Allocation CONSER ALLOC ETF 464289883   212,074 6,018 SH   SOLE   6,018 0 0
ISHARES CORE DIV GWTH ETF CORE DIV GRWTH 46434V621   1,484,527 28,809 SH   SOLE   28,809 0 0
ISHARES CORE MSCI EAFE CORE MSCI EAFE 46432F842   17,248,274 255,530 SH   SOLE   255,530 0 0
ISHARES CORE MSCI EMG MKT CORE MSCI EMKT 46434G103   13,862,418 281,242 SH   SOLE   281,242 0 0
iShares Core MSCI Europe CORE MSCI EURO 46434V738   11,856,802 225,286 SH   SOLE   225,286 0 0
ISHARES CORE S&P MID-CAP CORE S&P MCP ETF 464287507   699,720 2,676 SH   SOLE   2,676 0 0
ISHARES CORE S&P SML-CAP CORE S&P SCP ETF 464287804   9,708,999 97,431 SH   SOLE   97,431 0 0
ISHARES CORE S&P 500 ETF CORE S&P500 ETF 464287200   18,825,958 42,238 SH   SOLE   42,238 0 0
ISHARES CORE US AGG BD ET CORE US AGGBD ET 464287226   2,842,018 29,015 SH   SOLE   29,015 0 0
SPDR DJ GLB R/ESTATE ETF DJ GLB RL ES ETF 78463X749   3,451,933 84,050 SH   SOLE   84,050 0 0
SPDR DJ REIT ETF DJ REIT ETF 78464A607   701,090 7,752 SH   SOLE   7,752 0 0
ISHARES MSCI EAFE GTH ETF EAFE GRWTH ETF 464288885   6,593,218 69,104 SH   SOLE   69,104 0 0
ISHARES MSCI EAFE S/C ETF EAFE SML CP ETF 464288273   35,920,943 609,036 SH   SOLE   609,036 0 0
ISHARES MSCI EAFE VAL IND EAFE VALUE ETF 464288877   284,977 5,823 SH   SOLE   5,823 0 0
WISDOMTREE E/M QLTY DV GW EM MKTS QTLY DIV 97717W323   27,525,620 1,208,324 SH   SOLE   1,208,324 0 0
WISDOMTREE EM MK HIGH DIV EMER MKT HIGH FD 97717W315   1,813,270 47,381 SH   SOLE   47,381 0 0
SCHWAB EMRG MKT EQT ETF EMRG MKTEQ ETF 808524706   220,266 8,943 SH   SOLE   8,943 0 0
PIMCO ENH SHRT MAT ACTV ENHAN SHRT MA AC 72201R833   2,661,549 26,679 SH   SOLE   26,679 0 0
ISHRS ESG ADV H/Y CRP BND ESG ADVNCD HY BD 46435G441   262,364 5,952 SH   SOLE   5,952 0 0
ISHRS ESG AWR MSCI EAFE ESG AW MSCI EAFE 46435G516   2,014,690 27,625 SH   SOLE   27,625 0 0
ISHS ESG MSCI USA S/C ETF ESG AWARE MSCI 46435U663   642,058 18,076 SH   SOLE   18,076 0 0
ISHRS ESG AWR MSCI EM ETF ESG AWR MSCI EM 46434G863   223,371 7,062 SH   SOLE   7,062 0 0
ISHRS ESG AWARE US AGG BD ESG AWR US AGRGT 46435U549   225,944 4,790 SH   SOLE   4,790 0 0
ISHRS ESG AWARE 1-5Y USD ESG AWRE 1 5 YR 46435G243   1,473,238 61,616 SH   SOLE   61,616 0 0
ISHS ESG MSCI USA LDR ETF ESG MSCI LEADR 46435U218   650,791 8,406 SH   SOLE   8,406 0 0
ISHRS ESG SCRN S&P M/CAP ESG SCRD S&P MID 46436E551   520,871 14,623 SH   SOLE   14,623 0 0
VANGUARD MEGA CAP ETF ESG US CORP BD 921910873   5,547,445 35,456 SH   SOLE   35,456 0 0
SPDR Euro Stoxx 50 EURO STOXX 50 78463X202   18,060,738 392,795 SH   SOLE   392,795 0 0
iShares Europe EUROPE ETF 464287861   26,364,974 521,665 SH   SOLE   521,665 0 0
FIRST TR TACTICAL H/Y ETF FIRST TR TA HIYL 33738D408   48,439,431 1,222,292 SH   SOLE   1,222,292 0 0
ISHARES FLOT RATE BND ETF FLTG RATE NT ETF 46429B655   2,279,683 44,858 SH   SOLE   44,858 0 0
VANGUARD FTSE DEV MKT ETF FTSE DEV MKT ETF 921943858   1,012,173 21,918 SH   SOLE   21,918 0 0
VANGUARD FTSE EMERG MKT FTSE EMR MKT ETF 922042858   1,621,382 39,857 SH   SOLE   39,857 0 0
VANGUARD FTSE EUROPE ETF FTSE EUROPE ETF 922042874   9,835,208 159,403 SH   SOLE   159,403 0 0
FundX ETF FUNDX ETF 360876809   52,786,665 1,024,522 SH   SOLE   1,024,522 0 0
LINDE PLC G54950103 G54950103   238,175 625 SH   SOLE   625 0 0
GLOBAL X GENOMICS&BIO ETF GENOMIC BIOTECH 37954Y434   6,258,634 516,389 SH   SOLE   516,389 0 0
VANECK GOLD MINERS ETF GOLD MINERS ETF 92189F106   1,869,409 62,086 SH   SOLE   62,086 0 0
SPDR GOLD TRUST ETF GOLD SHS 78463V107   4,315,024 24,205 SH   SOLE   24,205 0 0
VANGUARD GROWTH ETF GROWTH ETF 922908736   41,042,469 145,046 SH   SOLE   145,046 0 0
iShares Currency Hedged MSCI EAFE HDG MSCI EAFE 46434V803   12,364,660 398,860 SH   SOLE   398,860 0 0
IQ Hedge Multi Strat Tracker HEDGE MLTI ETF 45409B107   1,595,636 53,491 SH   SOLE   53,491 0 0
Janus Henderson AAA CLO HENDRSON AAA CL 47103U845   6,617,639 132,751 SH   SOLE   132,751 0 0
ISHR ROBOTICS & ARTIF ETF IBONDS 27 ETF 46435U556   2,289,870 69,306 SH   SOLE   69,306 0 0
ISHARES IBOXX $ HI YLD BD IBOXX HI YD ETF 464288513   4,155,574 55,356 SH   SOLE   55,356 0 0
ISHARES IBOXX$ INV GR CRP IBOXX INV CP ETF 464287242   5,225,505 48,321 SH   SOLE   48,321 0 0
VANGUARD INFO TECH ETF INF TECH ETF 92204A702   225,059 509 SH   SOLE   509 0 0
VANGUARD INTER-TRM CRP BD INT-TERM CORP 92206C870   289,565 3,664 SH   SOLE   3,664 0 0
VANGUARD INTER-TERM TREAS INTER TERM TREAS 92206C706   8,636,218 147,225 SH   SOLE   147,225 0 0
VANGUARD INTRM-TRM BD ETF INTERMED TERM 921937819   26,921,436 357,855 SH   SOLE   357,855 0 0
SCHWAB INTL EQUITY ETF INTL EQTY ETF 808524805   816,705 22,909 SH   SOLE   22,909 0 0
WISDOMTREE ITL MIDCP DIV INTL MIDCAP DV 97717W778   811,039 14,083 SH   SOLE   14,083 0 0
WISDOM INTL QLTY DIV GWTH INTL QULTY DIV 97717X131   73,956,690 2,149,279 SH   SOLE   2,149,279 0 0
SCHWAB INTL S/CP EQT ETF INTL SCEQT ETF 808524888   4,984,148 147,591 SH   SOLE   147,591 0 0
WISDOMTREE ITL SMCP DV/FD INTL SMCAP DIV 97717W760   782,196 13,155 SH   SOLE   13,155 0 0
ISHARES GOLD TR ETF-NEW ISHARES NEW 464285204   1,918,353 52,731 SH   SOLE   52,731 0 0
ISHARES 1-5Y I/G CORP BND ISHS 1-5YR INVS 464288646   81,378,448 1,622,054 SH   SOLE   1,622,054 0 0
ISHARES 5-10Y I/G CORP BD ISHS 5-10YR INVT 464288638   108,155,929 2,138,737 SH   SOLE   2,138,737 0 0
JPMorgan Diversified Rtn US Equity JPMORGAN DIVER 46641Q407   490,425 5,016 SH   SOLE   5,016 0 0
VANGUARD LARGE-CAP ETF LARGE CAP ETF 922908637   3,606,185 17,789 SH   SOLE   17,789 0 0
VANGUARD MID-CAP GWTH IND MCAP GR IDXVIP 922908538   438,701 2,132 SH   SOLE   2,132 0 0
VANGUARD MID-CAP VAL IND MCAP VL IDXVIP 922908512   346,503 2,504 SH   SOLE   2,504 0 0
Vanguard Mega Cap Gr MEGA GRWTH IND 921910816   39,146,922 166,356 SH   SOLE   166,356 0 0
ISHARES RUSS MICROCAP IND MICRO-CAP ETF 464288869   32,571,290 297,999 SH   SOLE   297,999 0 0
VANGUARD MID-CAP ETF MID CAP ETF 922908629   5,898,306 26,791 SH   SOLE   26,791 0 0
iShares Core Moderate Alloc MODERT ALLOC ETF 464289875   2,638,121 65,283 SH   SOLE   65,283 0 0
iShares Morningstar Growth MORNINGSTAR GRWT 464287119   4,119,519 66,080 SH   SOLE   66,080 0 0
VANECK VEC MORN WMOAT ETF MORNINGSTAR WIDE 92189F643   27,993,443 350,839 SH   SOLE   350,839 0 0
ISHARES MSCI EAFE ETF MSCI EAFE ETF 464287465   8,132,615 112,174 SH   SOLE   112,174 0 0
ISHARES MSCI EMG MRK INDX MSCI EMG MKT ETF 464287234   245,548 6,207 SH   SOLE   6,207 0 0
FIDELITY MSCI ENERGY ETF MSCI ENERGY IDX 316092402   401,051 18,098 SH   SOLE   18,098 0 0
ISHARES MSCI EUROZONE ETF MSCI EURZONE ETF 464286608   7,863,992 171,627 SH   SOLE   171,627 0 0
iShares MSCI France MSCI FRANCE ETF 464286707   549,052 14,250 SH   SOLE   14,250 0 0
iShares MSCI Global Impact MSCI GBL SUS DEV 46435G532   273,275 3,457 SH   SOLE   3,457 0 0
ISHARES MSCI KLD 400 SOC MSCI KLD400 SOC 464288570   2,936,017 34,882 SH   SOLE   34,882 0 0
iShares MSCI Mexico MSCI MEXICO ETF 464286822   4,252,288 68,386 SH   SOLE   68,386 0 0
ISHS TR MSCI USA ESG ETF MSCI USA ESG SLC 464288802   1,733,650 18,514 SH   SOLE   18,514 0 0
ISHR MSCI USA MOMENT ETF MSCI USA MMENTM 46432F396   358,605 2,486 SH   SOLE   2,486 0 0
INVESCO NASDAQ 100 ETF NASDAQ 100 ETF 46138G649   5,055,011 33,261 SH   SOLE   33,261 0 0
Fidelity Nasdaq Composite Index Tracking Stock Fund NASDAQ COMPSIT 315912808   535,932 9,910 SH   SOLE   9,910 0 0
ISHARES NATL MUNI BND ETF NATIONAL MUN ETF 464288414   81,471,170 763,339 SH   SOLE   763,339 0 0
NABORS INDS INC NOTE 0.750% 1/1 62957HAB1   41,430 43,000 SH   SOLE   43,000 0 0
SPDR NUV BLM S/T MUNI ETF NUVEEN BLMBRG SR 78468R739   8,709,096 185,103 SH   SOLE   185,103 0 0
SPDR NUV BLM MUNI BND ETF NUVEEN BRC MUNIC 78468R721   12,219,059 264,711 SH   SOLE   264,711 0 0
NUSHARES ESG EMRG MKT ETF NUVEEN ESG EMRGN 67092P888   499,062 18,274 SH   SOLE   18,274 0 0
Nuveen ESG Intl Dvlpd Mkts Eq NUVEEN ESG INTL 67092P805   273,324 9,438 SH   SOLE   9,438 0 0
NUVEEN ESG LG-CAP GRW ETF NUVEEN ESG LRGCP 67092P201   3,365,000 54,091 SH   SOLE   54,091 0 0
NUSHARE ESG LG CP VAL ETF NUVEEN ESG LRGVL 67092P300   1,439,326 41,539 SH   SOLE   41,539 0 0
NUVEEN ESG SML-CAP ETF NUVEEN ESG SMLCP 67092P607   263,960 7,136 SH   SOLE   7,136 0 0
KONINKLIJKE PHILIPS N.V. NY REG SH NEW 500472303   5,746,873 264,955 SH   SOLE   264,955 0 0
SPDR PTFL DEV WRLD EX-US PORTFOLIO DEVLPD 78463X889   1,561,073 47,974 SH   SOLE   47,974 0 0
SPDR INDX PTFL EM MKT ETF PORTFOLIO EMG MK 78463X509   638,436 18,570 SH   SOLE   18,570 0 0
SPDR Portfolio S&P 500 PORTFOLIO S&P500 78464A854   1,453,087 27,885 SH   SOLE   27,885 0 0
SPDR PTFL S/T CRP BND ETF PORTFOLIO SHORT 78464A474   222,213 7,548 SH   SOLE   7,548 0 0
SPDR PTFL S&P 500 GW ETF PRTFLO S&P500 GW 78464A409   22,894,185 375,253 SH   SOLE   375,253 0 0
SPDR PTFL S&P 500 VAL ETF PRTFLO S&P500 VL 78464A508   18,243,316 422,299 SH   SOLE   422,299 0 0
GLB X ROBOTICS & ARTI ETF RBTCS ARTFL INTE 37954Y715   1,120,945 39,003 SH   SOLE   39,003 0 0
VANGUARD REAL ESTATE ETF REAL ESTATE ETF 922908553   1,233,429 14,761 SH   SOLE   14,761 0 0
ISHARES RUSS 1000 GWT IND RUS 1000 GRW ETF 464287614   14,379,806 52,256 SH   SOLE   52,256 0 0
ISHARES RUSS 1000 VAL IND RUS 1000 VAL ETF 464287598   3,603,101 22,829 SH   SOLE   22,829 0 0
ISHARES RUSS 2000 GW INDX RUS 2000 GRW ETF 464287648   8,180,068 33,710 SH   SOLE   33,710 0 0
ISHARES RUSS 2000 VAL IND RUS 2000 VAL ETF 464287630   6,828,799 48,500 SH   SOLE   48,500 0 0
ISHARES-RUSSEL MID GWTH RUS MD CP GR ETF 464287481   24,802,601 256,676 SH   SOLE   256,676 0 0
ISHARES RUSS M/CAP VL IND RUS MDCP VAL ETF 464287473   39,544,926 360,023 SH   SOLE   360,023 0 0
ISHARES RUSSELL M/CAP IND RUS MID CAP ETF 464287499   11,074,780 151,647 SH   SOLE   151,647 0 0
ISHARES RUSS 200 GROW ETF RUS TP200 GR ETF 464289438   37,185,392 234,519 SH   SOLE   234,519 0 0
ISHARES RUSSELL 2000 INDX RUSSELL 2000 ETF 464287655   5,659,486 30,221 SH   SOLE   30,221 0 0
iShares S&P 100 S&P 100 ETF 464287101   5,132,235 24,786 SH   SOLE   24,786 0 0
SPDR S&P 500 ESG S&P 500 ESG ETF 78468R531   2,455,230 57,032 SH   SOLE   57,032 0 0
VANGUARD 500 INDX ETF-NEW S&P 500 ETF SHS 922908363   9,975,958 24,494 SH   SOLE   24,494 0 0
Invesco S&P 500 Top 50 S&P 500 TOP 50 46137V233   36,276,912 103,728 SH   SOLE   103,728 0 0
ISHARES S&P 500 VALUE ETF S&P 500 VAL ETF 464287408   303,198 1,881 SH   SOLE   1,881 0 0
SPDR S&P 600 S/C GWTH ETF S&P 600 SMCP GRW 78464A201   751,745 9,768 SH   SOLE   9,768 0 0
SPDR S&P 600 S/C VAL ETF S&P 600 SMCP VAL 78464A300   573,290 7,427 SH   SOLE   7,427 0 0
SPDR S&P DIVIDEND ETF S&P DIVID ETF 78464A763   439,449 3,585 SH   SOLE   3,585 0 0
SPDR S&P INTL SM CAP ETF S&P INTL SMLCP 78463X871   690,837 22,643 SH   SOLE   22,643 0 0
ISHARES S&P MC 400 GW IND S&P MC 400GR ETF 464287606   1,762,650 23,502 SH   SOLE   23,502 0 0
ISHARES S&P MC 400VAL IND S&P MC 400VL ETF 464287705   5,597,863 52,253 SH   SOLE   52,253 0 0
SPDR S&P REGL BKG ETF S&P REGL BKG 78464A698   5,994,333 146,812 SH   SOLE   146,812 0 0
ISHARES S&P SC 600 GW IND S&P SML 600 GWT 464287887   33,473,477 291,251 SH   SOLE   291,251 0 0
INVESCO S&P500 EQ WGT ETF S&P500 EQL WGT 46137V357   4,704,082 31,436 SH   SOLE   31,436 0 0
INVESCO S&P500 LW VOL ETF S&P500 LOW VOL 46138E354   622,383 9,909 SH   SOLE   9,909 0 0
SECTOR SPDR INT INDX SBI INT-INDS 81369Y704   254,133 2,368 SH   SOLE   2,368 0 0
Schwab Fundamental Intl Lrg Company SCHWB FDT INT LG 808524755   939,250 29,087 SH   SOLE   29,087 0 0
ISHARES SEL DIVIDEND ETF SELECT DIVID ETF 464287168   219,575 1,938 SH   SOLE   1,938 0 0
VANECK SEMICONDUCTOR ETF SEMICONDUCTR ETF 92189F676   7,208,580 47,347 SH   SOLE   47,347 0 0
FIRST TRUST SENR LOAN ETF SENIOR LN FD 33738D309   35,161,439 776,190 SH   SOLE   776,190 0 0
ISHARES SHRT TREAS BD ETF SHORT TREAS BD 464288679   366,693 3,320 SH   SOLE   3,320 0 0
ISHRS S/T NATL MUN BD ETF SHRT NAT MUN ETF 464288158   50,995,101 490,149 SH   SOLE   490,149 0 0
ACCENTURE PLC CL-A SHS CLASS A G1151C101   358,878 1,163 SH   SOLE   1,163 0 0
ISHS US SHRT MAT BND ETF SHT MAT BD ETF 46431W507   202,360 4,070 SH   SOLE   4,070 0 0
VANGUARD SMALL-CAP ETF SMALL CP ETF 922908751   4,283,295 21,536 SH   SOLE   21,536 0 0
VANGUARD SM-CAP GWTH ETF SML CP GRW ETF 922908595   385,503 1,678 SH   SOLE   1,678 0 0
ISHARES S&P SC 600VAL IND SP SMCP600VL ETF 464287879   34,771,275 365,667 SH   SOLE   365,667 0 0
SSGA ACT SPDR DBL TOT RET SPDR TR TACTIC 78467V848   19,943,260 491,819 SH   SOLE   491,819 0 0
SAP SE SPON ADR SPON ADR 803054204   6,377,398 46,615 SH   SOLE   46,615 0 0
UNILEVER PLC ADR SPON ADR NEW 904767704   5,749,782 110,297 SH   SOLE   110,297 0 0
FRESENIUS MED CARE AG&CO SPONSORED ADR 358029106   250,834 10,482 SH   SOLE   10,482 0 0
VANGUARD TAX-EXMPT BD ETF TAX EXEMPT BD 922907746   944,537 18,808 SH   SOLE   18,808 0 0
SEC TECHNOLOGY SPDR SBI TECHNOLOGY 81369Y803   1,040,869 5,986 SH   SOLE   5,986 0 0
VANGUARD TOTAL BND MRKT TOTAL BND MRKT 921937835   12,159,390 167,277 SH   SOLE   167,277 0 0
VANGUARD TTL STK MRKT ETF TOTAL STK MKT 922908769   8,759,576 39,765 SH   SOLE   39,765 0 0
SPDR S&P 500 ETF TR UNIT 78462F103   7,419,620 16,738 SH   SOLE   16,738 0 0
VANGUARD TOT WRLD STK ETF TT WRLD ST ETF 922042742   664,409 6,851 SH   SOLE   6,851 0 0
ISHARES US MED DEVICE ETF U.S. MED DVC ETF 464288810   369,248 6,540 SH   SOLE   6,540 0 0
iShares U.S. Technology ETF U.S. TECH ETF 464287721   1,241,808 11,406 SH   SOLE   11,406 0 0
JP MORG ULT-SHRT INCM ETF ULTRA SHRT INC 46641Q837   18,907,642 377,097 SH   SOLE   377,097 0 0
JPMORGAN ULT-SHRT MUN ETF ULTRA SHT MUNCPL 46641Q654   16,589,951 327,541 SH   SOLE   327,541 0 0
INVESCO QQQ TRUST UNIT SER 1 46090E103   42,328,657 114,581 SH   SOLE   114,581 0 0
SCHWAB US AGGREG BD ETF US AGGREGATE B 808524839   648,548 14,050 SH   SOLE   14,050 0 0
SCHWAB US BROAD MRKT-ETF US BRD MKT ETF 808524102   980,231 18,960 SH   SOLE   18,960 0 0
Pacer U.S. Cash Cows 100 US CASH COWS 100 69374H881   1,059,698 22,137 SH   SOLE   22,137 0 0
DIMENSIONAL U S EQUITY US EQUITY ETF 25434V401   232,998 4,833 SH   SOLE   4,833 0 0
ISHARES US HOME CONSTRUCT US HOME CONS ETF 464288752   5,431,877 63,575 SH   SOLE   63,575 0 0
GLOBAL X US INFRS DEV ETF US INFR DEV ETF 37954Y673   349,910 11,133 SH   SOLE   11,133 0 0
SCHWAB STR US L/C GWT ETF US LCAP GR ETF 808524300   41,220,040 549,967 SH   SOLE   549,967 0 0
SCHWAB STR US L/C VAL ETF US LCAP VA ETF 808524409   5,362,168 79,925 SH   SOLE   79,925 0 0
SCHWAB US LARGE-CAP ETF US LRG CAP ETF 808524201   2,543,132 48,560 SH   SOLE   48,560 0 0
Principal U.S. Mega Cap US MEGA CP ETF 74255Y870   1,614,721 36,984 SH   SOLE   36,984 0 0
SCHWAB US MID CAP ETF US MID-CAP ETF 808524508   757,890 10,670 SH   SOLE   10,670 0 0
WISDOMTREE US QLTY DIV GW US QTLY DIV GRT 97717X669   77,498,116 1,162,588 SH   SOLE   1,162,588 0 0
JP MORGAN US QLTY FAC ETF US QUALTY FCTR 46641Q761   35,136,799 793,514 SH   SOLE   793,514 0 0
SCHWAB US SMALL-CAP ETF US SML CAP ETF 808524607   576,583 13,164 SH   SOLE   13,164 0 0
iShares Broad USD Invm Grd Corp USD INV GRDE ETF 464288620   26,604,396 531,131 SH   SOLE   531,131 0 0
SPDR S&P MIDCAP 400 ETF UTSER1 S&PDCRP 78467Y107   342,420 715 SH   SOLE   715 0 0
VANGUARD VALUE ETF VALUE ETF 922908744   3,113,695 21,912 SH   SOLE   21,912 0 0
VANECK VEC SHORT MUNI ETF VANECK SHRT MUNI 92189F528   1,717,170 102,000 SH   SOLE   102,000 0 0
VANGUARD RUSS1000 GWT ETF VNG RUS1000GRW 92206C680   6,283,983 88,807 SH   SOLE   88,807 0 0
VANGUARD RUSS1000 VAL ETF VNG RUS1000VAL 92206C714   3,806,826 55,004 SH   SOLE   55,004 0 0
INVESCO WILDER CLN EN ETF WILDERHIL CLAN 46137V134   411,270 10,251 SH   SOLE   10,251 0 0
DBX XTRACK MSCI EAFE HDGE XTRACK MSCI EAFE 233051200   13,331,604 376,918 SH   SOLE   376,918 0 0
XTrackers S&P500 ESG XTRACKERS S&P 233051143   4,583,430 112,864 SH   SOLE   112,864 0 0