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
ISHARES 0-5 YR TIPS ETF 0-5 YR TIPS ETF 46429B747 721 6,816 SH   SOLE   6,816 0 0
ISHARES 0-5 YEAR HIGH YLD 0-5YR HI YL CP 46434V407 2,914 64,341 SH   SOLE   64,341 0 0
ISHARES 0-5 YEAR INVESTMT 0-5YR INVT GR CP 46434V100 237 4,660 SH   SOLE   4,660 0 0
ISHARES 1-3 YR TREAS BND 1 3 YR TREAS BD 464287457 6,187 72,337 SH   SOLE   72,337 0 0
PIMCO 1-5 YR US TIPS INDX 1-5 US TIP IDX 72201R205 278 5,045 SH   SOLE   5,045 0 0
ISHARES GLOBAL REIT ETF 46434V 46434V647 21,157 691,196 SH   SOLE   691,196 0 0
VANGUARD S&P500 VALUE ETF 500 VAL IDX FD 921932703 2,457 16,233 SH   SOLE   16,233 0 0
GOLDMAN ACC TREAS 0-1 ETF ACCES TREASURY 381430529 2,585 25,845 SH   SOLE   25,845 0 0
PIMCO ACTIVE BOND ETF ACTIVE BD ETF 72201R775 395 3,614 SH   SOLE   3,614 0 0
VANGRD FTSE ALL-WLD EX-US ALLWRLD EX US 922042775 3,835 62,596 SH   SOLE   62,596 0 0
SPDR BLM S/T HI YL BD ETF BLOOMBERG SRT TR 78468R408 410 15,122 SH   SOLE   15,122 0 0
ISHARES CALI MUNI BND ETF CALIF MUN BD ETF 464288356 1,470 23,588 SH   SOLE   23,588 0 0
ALPHABET INC CL-A CAP STK CL A 02079K305 2,946 1,017 SH   SOLE   1,017 0 0
ALPHABET INC CL-C CAP STK CL C 02079K107 14,161 4,894 SH   SOLE   4,894 0 0
BLOCK INC CL-A CL A 852234103 394 2,441 SH   SOLE   2,441 0 0
MASTERCARD INC CL-A CL A 57636Q104 8,050 22,406 SH   SOLE   22,406 0 0
ZOOM VIDEO COMM INC CL-A CL A 98980L101 263 1,434 SH   SOLE   1,434 0 0
COMCAST CORP CL-A CL A 20030N101 243 4,836 SH   SOLE   4,836 0 0
MONDELEZ INTL INC CL-A CL A 609207105 477 7,199 SH   SOLE   7,199 0 0
ZOETIS INC-A CL A 98978V103 346 1,419 SH   SOLE   1,419 0 0
META PLATFORMS INC CL-A CL A 30303M102 10,684 31,767 SH   SOLE   31,767 0 0
MARRIOTT INTL INC-A CL A 571903202 569 3,444 SH   SOLE   3,444 0 0
NIKE INC CL-B CL B 654106103 1,513 9,083 SH   SOLE   9,083 0 0
WISDOMTREE CLOUD COMP ETF CLOUD COMPUTNG 97717Y691 271 5,228 SH   SOLE   5,228 0 0
ISHARES C&S REIT ETF COHEN STEER REIT 464287564 4,241 55,756 SH   SOLE   55,756 0 0
PROCTER & GAMBLE CO. COM 742718109 6,821 41,704 SH   SOLE   41,704 0 0
TEXAS INSTRUMENTS INC COM 882508104 614 3,258 SH   SOLE   3,258 0 0
REGENERON PHARM INC COM 75886F107 6,552 10,375 SH   SOLE   10,375 0 0
CIGNA CORP-NEW COM 125523100 7,045 30,680 SH   SOLE   30,680 0 0
DUPONT DE NEMOURS INC COM 26614N102 5,991 74,174 SH   SOLE   74,174 0 0
ILLUMINA INC COM 452327109 291 766 SH   SOLE   766 0 0
FERRARI N.V. COM N3167Y103 518 2,005 SH   SOLE   2,005 0 0
PAYPAL HOLDINGS INC COM 70450Y103 1,104 5,859 SH   SOLE   5,859 0 0
JACOBS ENGR GROUP COM 469814107 307 2,209 SH   SOLE   2,209 0 0
SOUTHWEST AIRLINES CO COM 844741108 244 5,701 SH   SOLE   5,701 0 0
THERMO FISHER SCIENTIFIC COM 883556102 549 824 SH   SOLE   824 0 0
SHERWIN-WILLIAMS CO COM 824348106 1,342 3,811 SH   SOLE   3,811 0 0
METLIFE INC COM 59156R108 5,094 81,525 SH   SOLE   81,525 0 0
HILTON WORLDWIDE HLDG NEW COM 43300A203 201 1,291 SH   SOLE   1,291 0 0
RPM INTL INC (DEL) COM 749685103 5,850 57,925 SH   SOLE   57,925 0 0
HORIZON BANCORP INC COM 440407104 474 22,778 SH   SOLE   22,778 0 0
LOCKHEED MARTIN CORP COM 539830109 1,036 2,917 SH   SOLE   2,917 0 0
SALESFORCE.COM INC COM 79466L302 994 3,915 SH   SOLE   3,915 0 0
QUALCOMM INC COM 747525103 491 2,686 SH   SOLE   2,686 0 0
LAM RESEARCH CORP COM 512807108 252 351 SH   SOLE   351 0 0
CAESARS ENTERTAINMENT INC COM 12769G100 242 2,597 SH   SOLE   2,597 0 0
DEERE & CO COM 244199105 388 1,134 SH   SOLE   1,134 0 0
NORTHROP GRUMMAN CORP COM 666807102 487 1,260 SH   SOLE   1,260 0 0
EXXON MOBIL CORP COM 30231G102 4,557 74,481 SH   SOLE   74,481 0 0
EAGLE MATERIALS INC COM 26969P108 322 1,940 SH   SOLE   1,940 0 0
MERCK & CO INC-NEW COM 58933Y105 5,647 73,684 SH   SOLE   73,684 0 0
ELI LILLY & CO COM 532457108 504 1,827 SH   SOLE   1,827 0 0
MCDONALDS CORP COM 580135101 782 2,920 SH   SOLE   2,920 0 0
XILINX INC COM 983919101 508 2,378 SH   SOLE   2,378 0 0
HALOZYME THERAPEUTICS INC COM 40637H109 490 12,200 SH   SOLE   12,200 0 0
DOMINION ENERGY INC COM 25746U109 5,574 70,959 SH   SOLE   70,959 0 0
CATERPILLAR INC COM 149123101 284 1,377 SH   SOLE   1,377 0 0
3M COMPANY COM 88579Y101 232 1,308 SH   SOLE   1,308 0 0
CSX CORP COM 126408103 248 6,600 SH   SOLE   6,600 0 0
DANAHER CORP COM 235851102 924 2,809 SH   SOLE   2,809 0 0
LOWES COMPANIES INC COM 548661107 630 2,439 SH   SOLE   2,439 0 0
STARBUCKS CORP COM 855244109 5,798 49,575 SH   SOLE   49,575 0 0
RAYTHEON TECHNOLOGIES CRP COM 75513E101 598 6,955 SH   SOLE   6,955 0 0
WELLS FARGO CO COM 949746101 1,902 39,647 SH   SOLE   39,647 0 0
INTL BUSINESS MACHINES COM 459200101 298 2,232 SH   SOLE   2,232 0 0
ADOBE INC COM 00724F101 362 640 SH   SOLE   640 0 0
HOME DEPOT INC COM 437076102 11,883 28,634 SH   SOLE   28,634 0 0
INTEL CORPORATION COM 458140100 4,432 86,070 SH   SOLE   86,070 0 0
ONEOK INC COM 682680103 296 5,038 SH   SOLE   5,038 0 0
FIRST FINL BANKSHARES COM 32020R109 674 13,272 SH   SOLE   13,272 0 0
GOLDMAN SACHS GROUP INC COM 38141G104 515 1,348 SH   SOLE   1,348 0 0
DOCUSIGN INC COM 256163106 223 1,466 SH   SOLE   1,466 0 0
TESLA INC COM 88160R101 6,692 6,333 SH   SOLE   6,333 0 0
ENERGOUS CORP COM 29272C103 12 10,000 SH   SOLE   10,000 0 0
CISCO SYSTEMS INC COM 17275R102 6,605 104,234 SH   SOLE   104,234 0 0
HONEYWELL INTL INC COM 438516106 436 2,093 SH   SOLE   2,093 0 0
COSTCO WHOLESALE CORP COM 22160K105 5,721 10,079 SH   SOLE   10,079 0 0
JOHNSON & JOHNSON COM 478160104 6,972 40,758 SH   SOLE   40,758 0 0
DISNEY WALT COMPANY COM 254687106 4,361 28,158 SH   SOLE   28,158 0 0
WASTE MANAGEMENT INC COM 94106L109 818 4,903 SH   SOLE   4,903 0 0
VERIZON COMMUNICATIONS COM 92343V104 1,062 20,448 SH   SOLE   20,448 0 0
MICROSOFT CORP COM 594918104 22,265 66,204 SH   SOLE   66,204 0 0
NETFLIX INC COM 64110L106 2,534 4,207 SH   SOLE   4,207 0 0
PALO ALTO NETWORKS INC COM 697435105 479 861 SH   SOLE   861 0 0
FORTINET INC COM 34959E109 229 639 SH   SOLE   639 0 0
SENSEONICS HOLDINGS INC COM 81727U105 133 50,000 SH   SOLE   50,000 0 0
ALTRIA GROUP INC COM 02209S103 1,111 23,446 SH   SOLE   23,446 0 0
PFIZER INC COM 717081103 8,476 143,544 SH   SOLE   143,544 0 0
LULULEMON ATHLETICA INC COM 550021109 670 1,714 SH   SOLE   1,714 0 0
INTUIT INC COM 461202103 418 650 SH   SOLE   650 0 0
CVS HEALTH CORP COM 126650100 401 3,894 SH   SOLE   3,894 0 0
SEMPRA COM 816851109 250 1,892 SH   SOLE   1,892 0 0
TARGET CORP COM 87612E106 7,048 30,453 SH   SOLE   30,453 0 0
PHILIP MORRIS INTL INC COM 718172109 1,717 18,082 SH   SOLE   18,082 0 0
GENERAL DYNAMICS CORP COM 369550108 5,608 26,905 SH   SOLE   26,905 0 0
PEPSICO INC COM 713448108 872 5,025 SH   SOLE   5,025 0 0
JP MORGAN CHASE & CO COM 46625H100 8,964 56,614 SH   SOLE   56,614 0 0
WALMART INC COM 931142103 6,506 44,968 SH   SOLE   44,968 0 0
BRISTOL MYERS SQUIBB CO COM 110122108 934 14,980 SH   SOLE   14,980 0 0
ABBVIE INC COM 00287Y109 995 7,352 SH   SOLE   7,352 0 0
D.R HORTON INC COM 23331A109 5,858 54,022 SH   SOLE   54,022 0 0
BLACKLINE INC COM 09239B109 255 2,471 SH   SOLE   2,471 0 0
TJX COMPANIES INC COM 872540109 243 3,205 SH   SOLE   3,205 0 0
MODERNA INC COM 60770K107 2,064 8,127 SH   SOLE   8,127 0 0
NVIDIA CORP COM 67066G104 16,046 54,558 SH   SOLE   54,558 0 0
ORACLE CORP COM 68389X105 632 7,257 SH   SOLE   7,257 0 0
CHEVRON CORP COM 166764100 6,049 51,551 SH   SOLE   51,551 0 0
PENNYMAC FINL SVCS INC-A COM 70932M107 445 6,379 SH   SOLE   6,379 0 0
AT & T INC COM 00206R102 3,460 140,685 SH   SOLE   140,685 0 0
UNITED HEALTH GROUP INC COM 91324P102 1,193 2,376 SH   SOLE   2,376 0 0
EQUIFAX INC COM 294429105 556 1,900 SH   SOLE   1,900 0 0
VISA INC CLASS-A COM CL A 92826C839 8,797 40,595 SH   SOLE   40,595 0 0
PAGSEGURO DIGITAL LTD-A COM CL A G68707101 3,254 124,107 SH   SOLE   124,107 0 0
CITIGROUP INC-NEW COM NEW 172967424 4,964 82,214 SH   SOLE   82,214 0 0
ISHARES CORE DIV GWTH ETF CORE DIV GRWTH 46434V621 12,526 225,369 SH   SOLE   225,369 0 0
ISHARES CORE MSCI EAFE CORE MSCI EAFE 46432F842 10,744 143,953 SH   SOLE   143,953 0 0
ISHARES CORE MSCI EMG MKT CORE MSCI EMKT 46434G103 12,363 206,533 SH   SOLE   206,533 0 0
ISHARES CORE S&P MID-CAP CORE S&P MCP ETF 464287507 1,060 3,745 SH   SOLE   3,745 0 0
ISHARES CORE S&P SML-CAP CORE S&P SCP ETF 464287804 11,394 99,506 SH   SOLE   99,506 0 0
ISHARES CORE S&P 500 ETF CORE S&P500 ETF 464287200 38,234 80,157 SH   SOLE   80,157 0 0
ISHARES CORE US AGG BD ET CORE US AGGBD ET 464287226 4,071 35,693 SH   SOLE   35,693 0 0
FIDELITY MERR CORP BD ETF CORP BOND ETF 316188101 2,640 48,002 SH   SOLE   48,002 0 0
VANGUARD DIV APPR ETF DIV APP ETF 921908844 390 2,273 SH   SOLE   2,273 0 0
SPDR DJ INTL R/ESTATE ETF DJ INTL RL ETF 78463X863 949 26,680 SH   SOLE   26,680 0 0
SPDR DJ REIT ETF DJ REIT ETF 78464A607 1,637 13,406 SH   SOLE   13,406 0 0
INVESCO DYN SEMICOND ETF DYNMC SEMICNDT 46137V647 1,188 7,740 SH   SOLE   7,740 0 0
ISHARES MSCI EAFE GTH ETF EAFE GRWTH ETF 464288885 4,115 37,316 SH   SOLE   37,316 0 0
ISHARES MSCI EAFE S/C ETF EAFE SML CP ETF 464288273 26,092 356,994 SH   SOLE   356,994 0 0
ISHARES MSCI EAFE VAL IND EAFE VALUE ETF 464288877 468 9,289 SH   SOLE   9,289 0 0
WISDOMTREE E/M QLTY DV GW EM MKTS QTLY DIV 97717W323 19,527 688,085 SH   SOLE   688,085 0 0
SCHWAB EMRG MKT EQT ETF EMRG MKTEQ ETF 808524706 399 13,474 SH   SOLE   13,474 0 0
PIMCO ENH SHRT MAT ACTV ENHAN SHRT MA AC 72201R833 476 4,690 SH   SOLE   4,690 0 0
PIMCO ENH LOW DUR ACT ETF ENHNCD LW DUR AC 72201R718 398 3,961 SH   SOLE   3,961 0 0
ISHRS ESG ADV H/Y CRP BND ESG ADVNCD HY BD 46435G441 229 4,440 SH   SOLE   4,440 0 0
ISHRS ESG AWR MSCI EAFE ESG AW MSCI EAFE 46435G516 1,644 20,698 SH   SOLE   20,698 0 0
ISHS ESG MSCI USA S/C ETF ESG AWARE MSCI 46435U663 558 13,842 SH   SOLE   13,842 0 0
ISHRS ESG AWR MSCI EM ETF ESG AWR MSCI EM 46434G863 237 5,972 SH   SOLE   5,972 0 0
ISHRS ESG AWARE US AGG BD ESG AWR US AGRGT 46435U549 220 3,990 SH   SOLE   3,990 0 0
ISHRS ESG AWARE 1-5Y USD ESG AWRE 1 5 YR 46435G243 1,064 41,511 SH   SOLE   41,511 0 0
ISHS ESG MSCI USA LDR ETF ESG MSCI LEADR 46435U218 348 4,130 SH   SOLE   4,130 0 0
ISHARES S&P N/AM SFTW IND EXPANDED TECH 464287515 519 1,306 SH   SOLE   1,306 0 0
SECTOR SPDR TR INT-FINL FINANCIAL 81369Y605 249 6,383 SH   SOLE   6,383 0 0
FIRST TR TACTICAL H/Y ETF FIRST TR TA HIYL 33738D408 37,885 791,752 SH   SOLE   791,752 0 0
VANGUARD FTSE DEV MKT ETF FTSE DEV MKT ETF 921943858 1,344 26,326 SH   SOLE   26,326 0 0
VANGUARD FTSE EMERG MKT FTSE EMR MKT ETF 922042858 2,800 56,629 SH   SOLE   56,629 0 0
VANGUARD GL EX-US R/E ETF GLB EX US ETF 922042676 573 10,622 SH   SOLE   10,622 0 0
WISDOMTREE GL EX-US R/EST GLB EX US RL EST 97717W331 276 11,340 SH   SOLE   11,340 0 0
VANECK GOLD MINERS ETF GOLD MINERS ETF 92189F106 2,077 64,847 SH   SOLE   64,847 0 0
VANGUARD GROWTH ETF GROWTH ETF 922908736 7,237 22,553 SH   SOLE   22,553 0 0
SPDR HLTH CARE EQUIP ETF HLTH CR EQUIP 78464A581 476 4,065 SH   SOLE   4,065 0 0
ISHARES IBOXX $ HI YLD BD IBOXX HI YD ETF 464288513 1,289 14,819 SH   SOLE   14,819 0 0
ISHARES IBOXX$ INV GR CRP IBOXX INV CP ETF 464287242 978 7,387 SH   SOLE   7,387 0 0
ARK TR INNOVATION ETF INNOVATION ETF 00214Q104 215 2,276 SH   SOLE   2,276 0 0
VANGUARD INTER-TRM CRP BD INT-TERM CORP 92206C870 350 3,780 SH   SOLE   3,780 0 0
VANGUARD INTRM-TRM BD ETF INTERMED TERM 921937819 584 6,674 SH   SOLE   6,674 0 0
SCHWAB INTL EQUITY ETF INTL EQTY ETF 808524805 1,505 38,719 SH   SOLE   38,719 0 0
WISDOMTREE ITL MIDCP DIV INTL MIDCAP DV 97717W778 925 13,777 SH   SOLE   13,777 0 0
WISDOM INTL QLTY DIV GWTH INTL QULTY DIV 97717X131 58,788 1,473,756 SH   SOLE   1,473,756 0 0
SCHWAB INTL S/CP EQT ETF INTL SCEQT ETF 808524888 4,649 113,588 SH   SOLE   113,588 0 0
WISDOMTREE ITL SMCP DV/FD INTL SMCAP DIV 97717W760 1,054 14,317 SH   SOLE   14,317 0 0
VANECK INVT GRD F/R ETF INVT GRADE FLTG 92189F486 453 17,940 SH   SOLE   17,940 0 0
ISHARES GOLD TR ETF-NEW ISHARES NEW 464285204 2,171 62,411 SH   SOLE   62,411 0 0
ISHARES 1-5Y I/G CORP BND ISHS 1-5YR INVS 464288646 84,205 1,562,825 SH   SOLE   1,562,825 0 0
ISHARES 5-10Y I/G CORP BD ISHS 5-10YR INVT 464288638 36,183 610,491 SH   SOLE   610,491 0 0
VANGUARD LARGE-CAP ETF LARGE CAP ETF 922908637 3,377 15,282 SH   SOLE   15,282 0 0
VANGUARD MID-CAP GWTH IND MCAP GR IDXVIP 922908538 687 2,700 SH   SOLE   2,700 0 0
VANGUARD MID-CAP VAL IND MCAP VL IDXVIP 922908512 479 3,187 SH   SOLE   3,187 0 0
ISHARES RUSS MICROCAP IND MICRO-CAP ETF 464288869 25,241 180,648 SH   SOLE   180,648 0 0
VANGUARD MID-CAP ETF MID CAP ETF 922908629 6,949 27,278 SH   SOLE   27,278 0 0
VANECK VEC MORN WMOAT ETF MORNINGSTAR WIDE 92189F643 441 5,799 SH   SOLE   5,799 0 0
FIDELITY MSCI CON DISCRET MSCI CONSM DIS 316092204 511 5,789 SH   SOLE   5,789 0 0
ISHARES MSCI EAFE ETF MSCI EAFE ETF 464287465 5,867 74,570 SH   SOLE   74,570 0 0
FIDELITY MSCI FINCLS ETF MSCI FINLS IDX 316092501 768 13,746 SH   SOLE   13,746 0 0
FIDELITY MSCI HLTHCR ETF MSCI HLTH CARE I 316092600 615 8,961 SH   SOLE   8,961 0 0
FIDELITY MSCI INDUS ETF MSCI INDL INDX 316092709 373 6,638 SH   SOLE   6,638 0 0
ISHARES MSCI KLD 400 SOC MSCI KLD400 SOC 464288570 620 6,682 SH   SOLE   6,682 0 0
FIDELITY MSCI MATLS ETF MSCI MATLS INDEX 316092881 405 8,055 SH   SOLE   8,055 0 0
ISHARES MSCI SWITZRLD ETF MSCI SWITZERLAND 464286749 494 9,387 SH   SOLE   9,387 0 0
ISHS TR MSCI USA ESG ETF MSCI USA ESG SLC 464288802 470 4,428 SH   SOLE   4,428 0 0
ISHARES BIOTECHNOLOGY ETF NASDAQ BIOTECH 464287556 421 2,763 SH   SOLE   2,763 0 0
ISHARES NATL MUNI BND ETF NATIONAL MUN ETF 464288414 21,975 188,984 SH   SOLE   188,984 0 0
SPDR NUV BLM S/T MUNI ETF NUVEEN BLMBRG SR 78468R739 1,016 20,677 SH   SOLE   20,677 0 0
SPDR NUV BLM MUNI BND ETF NUVEEN BRC MUNIC 78468R721 3,315 64,085 SH   SOLE   64,085 0 0
NUVEEN ESG LG-CAP GRW ETF NUVEEN ESG LRGCP 67092P201 1,679 24,495 SH   SOLE   24,495 0 0
NUSHARE ESG LG CP VAL ETF NUVEEN ESG LRGVL 67092P300 1,319 33,949 SH   SOLE   33,949 0 0
NUVEEN ESG MID-CAP GR ETF NUVEEN ESG MIDCP 67092P409 481 9,793 SH   SOLE   9,793 0 0
NUVEEN ESG MID CAP VALUE NUVEEN ESG MIDVL 67092P508 471 12,758 SH   SOLE   12,758 0 0
NUVEEN ESG SML-CAP ETF NUVEEN ESG SMLCP 67092P607 289 6,888 SH   SOLE   6,888 0 0
KONINKLIJKE PHILIPS N.V. NY REG SH NEW 500472303 3,318 90,062 SH   SOLE   90,062 0 0
SEAGATE TECHNOLOGY HLDGS ORD SHS G7997R103 203 1,801 SH   SOLE   1,801 0 0
SPDR PTFL DEV WRLD EX-US PORTFOLIO DEVLPD 78463X889 1,985 54,433 SH   SOLE   54,433 0 0
SPDR INDX PTFL EM MKT ETF PORTFOLIO EMG MK 78463X509 1,616 38,954 SH   SOLE   38,954 0 0
SPDR PTFL S&P 500 GW ETF PRTFLO S&P500 GW 78464A409 22,459 309,915 SH   SOLE   309,915 0 0
SPDR PTFL S&P 500 VAL ETF PRTFLO S&P500 VL 78464A508 17,382 413,878 SH   SOLE   413,878 0 0
VANGUARD REAL ESTATE ETF REAL ESTATE ETF 922908553 7,604 65,549 SH   SOLE   65,549 0 0
ISHARES RUSS 1000 GWT IND RUS 1000 GRW ETF 464287614 7,192 23,536 SH   SOLE   23,536 0 0
ISHARES RUSS 1000 VAL IND RUS 1000 VAL ETF 464287598 3,516 20,938 SH   SOLE   20,938 0 0
ISHARES RUSS 2000 GW INDX RUS 2000 GRW ETF 464287648 5,812 19,834 SH   SOLE   19,834 0 0
ISHARES RUSS 2000 VAL IND RUS 2000 VAL ETF 464287630 4,457 26,846 SH   SOLE   26,846 0 0
ISHARES-RUSSEL MID GWTH RUS MD CP GR ETF 464287481 25,032 217,257 SH   SOLE   217,257 0 0
ISHARES RUSS M/CAP VL IND RUS MDCP VAL ETF 464287473 39,573 323,369 SH   SOLE   323,369 0 0
ISHARES RUSSELL M/CAP IND RUS MID CAP ETF 464287499 3,641 43,867 SH   SOLE   43,867 0 0
ISHARES RUSSELL 2000 INDX RUSSELL 2000 ETF 464287655 5,283 23,752 SH   SOLE   23,752 0 0
VANGUARD 500 INDX ETF-NEW S&P 500 ETF SHS 922908363 3,214 7,362 SH   SOLE   7,362 0 0
ISHARES S&P 500 VALUE ETF S&P 500 VAL ETF 464287408 528 3,373 SH   SOLE   3,373 0 0
SPDR S&P 600 S/C GWTH ETF S&P 600 SMCP GRW 78464A201 1,387 14,950 SH   SOLE   14,950 0 0
SPDR S&P 600 S/C VAL ETF S&P 600 SMCP VAL 78464A300 582 6,878 SH   SOLE   6,878 0 0
SPDR S&P DIVIDEND ETF S&P DIVID ETF 78464A763 437 3,388 SH   SOLE   3,388 0 0
SPDR S&P INTL SM CAP ETF S&P INTL SMLCP 78463X871 946 25,072 SH   SOLE   25,072 0 0
ISHARES S&P MC 400 GW IND S&P MC 400GR ETF 464287606 1,206 14,145 SH   SOLE   14,145 0 0
ISHARES S&P MC 400VAL IND S&P MC 400VL ETF 464287705 3,698 33,416 SH   SOLE   33,416 0 0
ISHARES S&P SC 600 GW IND S&P SML 600 GWT 464287887 25,215 181,668 SH   SOLE   181,668 0 0
INVESCO EXCHANGE S&P SML600 VAL 46137V167 211 2,202 SH   SOLE   2,202 0 0
INVESCO S&P500 LW VOL ETF S&P500 LOW VOL 46138E354 374 5,453 SH   SOLE   5,453 0 0
SECTOR SPDR INT INDX SBI INT-INDS 81369Y704 1,281 12,110 SH   SOLE   12,110 0 0
ISHARES SEL DIVIDEND ETF SELECT DIVID ETF 464287168 290 2,369 SH   SOLE   2,369 0 0
FIRST TRUST SENR LOAN ETF SENIOR LN FD 33738D309 23,605 492,607 SH   SOLE   492,607 0 0
ISHARES SHORT TREASURY BD SHORT TREAS BD 464288679 1,583 14,342 SH   SOLE   14,342 0 0
ISHRS S/T NATL MUN BD ETF SHRT NAT MUN ETF 464288158 51,784 482,304 SH   SOLE   482,304 0 0
ACCENTURE PLC CL-A SHS CLASS A G1151C101 353 852 SH   SOLE   852 0 0
VANGUARD SM-CAP VALUE ETF SM CP VAL ETF 922908611 248 1,389 SH   SOLE   1,389 0 0
VANGUARD SMALL-CAP ETF SMALL CP ETF 922908751 4,888 21,631 SH   SOLE   21,631 0 0
VANGUARD SM-CAP GWTH ETF SML CP GRW ETF 922908595 1,148 4,077 SH   SOLE   4,077 0 0
ISHARES S&P SC 600VAL IND SP SMCP600VL ETF 464287879 26,794 256,429 SH   SOLE   256,429 0 0
SSGA ACT SPDR DBL TOT RET SPDR TR TACTIC 78467V848 18,622 393,385 SH   SOLE   393,385 0 0
SAP SE SPON ADR SPON ADR 803054204 3,971 28,343 SH   SOLE   28,343 0 0
UNILEVER PLC ADR SPON ADR NEW 904767704 3,921 72,896 SH   SOLE   72,896 0 0
FRESENIUS MED CARE AG&CO SPONSORED ADR 358029106 340 10,482 SH   SOLE   10,482 0 0
VANGUARD TAX-EXMPT BD ETF TAX EXEMPT BD 922907746 972 17,709 SH   SOLE   17,709 0 0
SEC TECHNOLOGY SPDR SBI TECHNOLOGY 81369Y803 273 1,572 SH   SOLE   1,572 0 0
ISHARES TIPS BOND ETF TIPS BD ETF 464287176 1,962 15,193 SH   SOLE   15,193 0 0
VANGUARD TOTAL BND MRKT TOTAL BND MRKT 921937835 241 2,844 SH   SOLE   2,844 0 0
VANGUARD TTL STK MRKT ETF TOTAL STK MKT 922908769 6,780 28,082 SH   SOLE   28,082 0 0
SPDR S&P 500 ETF TR UNIT 78462F103 4,752 10,006 SH   SOLE   10,006 0 0
VANGUARD TOT WRLD STK ETF TT WRLD ST ETF 922042742 719 6,694 SH   SOLE   6,694 0 0
ISHARES US MED DEVICE ETF U.S. MED DVC ETF 464288810 687 10,446 SH   SOLE   10,446 0 0
ISHARES US REAL EST ETF U.S. REAL ES ETF 464287739 218 1,882 SH   SOLE   1,882 0 0
INVESCO ULT SHORT DUR ETF ULTRA SHRT DUR 46090A887 227 4,517 SH   SOLE   4,517 0 0
JP MORG ULT-SHRT INCM ETF ULTRA SHRT INC 46641Q837 26,360 522,195 SH   SOLE   522,195 0 0
JP MORGAN TR ULTRA SHORT ULTRA SHT MUNCPL 46641Q654 23,333 456,982 SH   SOLE   456,982 0 0
INVESCO QQQ TRUST UNIT SER 1 46090E103 20,904 52,544 SH   SOLE   52,544 0 0
SCHWAB US AGGREG BD ETF US AGGREGATE B 808524839 570 10,577 SH   SOLE   10,577 0 0
SCHWAB US BROAD MRKT-ETF US BRD MKT ETF 808524102 569 5,041 SH   SOLE   5,041 0 0
SCHWAB US DIV EQTY ETF US DIVIDEND EQ 808524797 435 5,384 SH   SOLE   5,384 0 0
DIMENSIONAL US EQUITY ETF US EQUITY ETF 25434V401 327 6,333 SH   SOLE   6,333 0 0
ISHARES US HOME CONSTRUCT US HOME CONS ETF 464288752 456 5,507 SH   SOLE   5,507 0 0
GLOBAL X US INFRS DEV ETF US INFR DEV ETF 37954Y673 1,421 49,366 SH   SOLE   49,366 0 0
WISDOMTREE US L/C DIV FD US LARGECAP DIVD 97717W307 360 5,460 SH   SOLE   5,460 0 0
SCHWAB STR US L/C GWT ETF US LCAP GR ETF 808524300 8,934 54,559 SH   SOLE   54,559 0 0
SCHWAB STR US L/C VAL ETF US LCAP VA ETF 808524409 7,742 105,743 SH   SOLE   105,743 0 0
SCHWAB US LARGE-CAP ETF US LRG CAP ETF 808524201 1,225 10,768 SH   SOLE   10,768 0 0
SCHWAB US MID CAP ETF US MID-CAP ETF 808524508 1,181 14,689 SH   SOLE   14,689 0 0
WISDOMTREE US QLTY DIV GW US QTLY DIV GRT 97717X669 54,398 825,975 SH   SOLE   825,975 0 0
SCHWAB US SMALL-CAP ETF US SML CAP ETF 808524607 942 9,206 SH   SOLE   9,206 0 0
SCHWAB U.S. TIPS ETF US TIPS ETF 808524870 601 9,560 SH   SOLE   9,560 0 0
SPDR DJIA ETF UT SER 1 78467X109 260 716 SH   SOLE   716 0 0
SPDR S&P MIDCAP 400 ETF UTSER1 S&PDCRP 78467Y107 449 868 SH   SOLE   868 0 0
VANGUARD VALUE ETF VALUE ETF 922908744 2,751 18,701 SH   SOLE   18,701 0 0
VANGUARD RUSS1000 GWT ETF VNG RUS1000GRW 92206C680 5,188 66,067 SH   SOLE   66,067 0 0
VANGUARD RUSS1000 VAL ETF VNG RUS1000VAL 92206C714 3,085 41,844 SH   SOLE   41,844 0 0
INVESCO WILDER CLN EN ETF WILDERHIL CLAN 46137V134 1,121 15,707 SH   SOLE   15,707 0 0