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
Expires: July 31, 2015
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
ABBVIE INC COM 00287Y109 248,576 1,186 SH SOLE 325 0 861
ALPHABET INC CAP STK CL C 02079K107 213,572 1,367 SH SOLE 0 0 1,367
ALPHABET INC CAP STK CL A 02079K305 290,453 1,878 SH SOLE 0 0 1,878
AMAZON COM INC COM 023135106 353,675 1,859 SH SOLE 62 0 1,797
AMERICAN CENTY ETF TR AVANTIS EMGMKT 025072604 2,149,088 35,717 SH SOLE 0 0 35,717
AMERICAN CENTY ETF TR US SML CP VALU 025072877 2,152,990 24,699 SH SOLE 0 0 24,699
ANGEL OAK FUNDS TRUST OAK ULTRASHORT 03463K752 521,106 10,200 SH SOLE 0 0 10,200
APPLE INC COM 037833100 6,202,511 27,923 SH SOLE 2,753 0 25,170
BIOLIFE SOLUTIONS INC COM NEW 09062W204 229,611 10,053 SH SOLE 0 0 10,053
BNY MELLON ETF TRUST US LRG CP CORE 09661T107 88,874,492 835,915 SH SOLE 1,893 0 834,022
BNY MELLON ETF TRUST US MDCP CORE EQT 09661T206 539,002 5,637 SH SOLE 0 0 5,637
BNY MELLON ETF TRUST US SMLCP CORE 09661T305 375,246 4,022 SH SOLE 0 0 4,022
BNY MELLON ETF TRUST INTERNATIONL EQT 09661T404 45,268,518 585,167 SH SOLE 524 0 584,643
BNY MELLON ETF TRUST CORE BOND ETF 09661T602 12,233,087 290,365 SH SOLE 0 0 290,365
CAMBRIA ETF TR SHSHLD YIELD ETF 132061201 518,120 8,121 SH SOLE 0 0 8,121
DELL TECHNOLOGIES INC CL C 24703L202 373,952 4,103 SH SOLE 0 0 4,103
EASTERN BANKSHARES INC COM 27627N105 1,714,967 104,571 SH SOLE 0 0 104,571
META PLATFORMS INC CL A 30303M102 492,217 854 SH SOLE 0 0 854
FIDELITY COVINGTON TRUST BLUE CHIP GRWTH 316092352 642,199 16,067 SH SOLE 4,973 0 11,094
FIDELITY COVINGTON TRUST ENHANCED LARGE 31609A305 8,581,005 272,413 SH SOLE 0 0 272,413
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309 13,288,691 291,099 SH SOLE 3,253 0 287,846
FIRST MERCHANTS CORP COM 320817109 615,820 15,228 SH SOLE 0 0 15,228
FIRST TR EXCH TRADED FD III MANAGD MUN ETF 33739N108 2,807,433 55,679 SH SOLE 0 0 55,679
FORD MTR CO COM 345370860 500,727 49,923 SH SOLE 0 0 49,923
INVESCO QQQ TR UNIT SER 1 46090E103 1,485,239 3,167 SH SOLE 0 0 3,167
INVESCO EXCH TRD SLF IDX FD BULSHS 2029 MUNI 46138J478 671,027 29,509 SH SOLE 0 0 29,509
INVESCO EXCH TRD SLF IDX FD BULSHS 2028 MUNI 46138J486 647,570 27,943 SH SOLE 0 0 27,943
INVESCO EXCH TRD SLF IDX FD BULSHS 2027 MUNI 46138J494 682,268 28,971 SH SOLE 0 0 28,971
INVESCO EXCH TRD SLF IDX FD BULSHS 2026 MUNI 46138J510 914,795 38,746 SH SOLE 0 0 38,746
INVESCO EXCH TRD SLF IDX FD BULSHS 2025 MUNI 46138J528 905,021 36,970 SH SOLE 0 0 36,970
INVESCO EXCH TRD SLF IDX FD BULSHS 2027 CB 46138J783 7,473,589 381,500 SH SOLE 0 0 381,500
INVESCO EXCH TRD SLF IDX FD BULSHS 2026 CB 46138J791 8,058,622 413,687 SH SOLE 0 0 413,687
INVESCO EXCH TRD SLF IDX FD BULSHS 2025 CB 46138J825 8,230,155 397,977 SH SOLE 0 0 397,977
ISHARES GOLD TR ISHARES NEW 464285204 620,318 10,521 SH SOLE 0 0 10,521
ISHARES INC MSCI AUST ETF 464286103 3,480,840 148,500 SH SOLE 0 0 148,500
ISHARES INC MSCI CDA ETF 464286509 5,116,163 125,550 SH SOLE 0 0 125,550
ISHARES TR CORE S&P TTL STK 464287150 3,452,256 28,295 SH SOLE 6,353 0 21,941
ISHARES TR CORE S&P500 ETF 464287200 1,948,621 3,468 SH SOLE 425 0 3,043
ISHARES TR CORE US AGGBD ET 464287226 411,351 4,158 SH SOLE 601 0 3,558
ISHARES TR RUS 1000 ETF 464287622 5,025,511 16,384 SH SOLE 54 0 16,330
ISHARES TR CORE MSCI EAFE 46432F842 345,364 4,565 SH SOLE 3,845 0 720
ISHARES TR INTERNATIONAL SL 46434V266 268,226 7,964 SH SOLE 0 0 7,964
ISHARES TR MSCI INTL QUALTY 46434V456 460,924 11,613 SH SOLE 0 0 11,613
ISHARES TR IBONDS DEC 26 46435U259 1,757,289 68,752 SH SOLE 0 0 68,752
ISHARES TR IBONDS DEC 27 46435U283 1,458,021 57,675 SH SOLE 0 0 57,675
ISHARES TR IBONDS DEC 28 46435U325 1,287,520 50,910 SH SOLE 0 0 50,910
ISHARES TR IBONDS DEC 25 46435U432 2,235,271 83,562 SH SOLE 3,548 0 80,013
ISHARES TR ESG AWR US AGRGT 46435U549 2,752,136 57,964 SH SOLE 0 0 57,964
ISHARES TR IBONDS DEC 2029 46436E163 1,246,209 49,769 SH SOLE 0 0 49,769
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332 236,615 4,141 SH SOLE 0 0 4,141
J P MORGAN EXCHANGE TRADED F CORE PLUS BD ETF 46641Q670 52,635,027 1,118,942 SH SOLE 6,079 0 1,112,863
ELI LILLY & CO COM 532457108 507,109 614 SH SOLE 415 0 199
MATTHEWS ASIA FDS ASIA INNOV ACTIV 577125826 438,283 15,664 SH SOLE 0 0 15,664
MCDONALDS CORP COM 580135101 580,071 1,857 SH SOLE 162 0 1,695
MICROSOFT CORP COM 594918104 4,064,911 10,829 SH SOLE 998 0 9,830
NEXTERA ENERGY INC COM 65339F101 494,032 6,969 SH SOLE 6,807 0 162
NVIDIA CORPORATION COM 67066G104 285,649 2,636 SH SOLE 0 0 2,636
PACER FDS TR US CASH COWS 100 69374H881 2,061,643 37,649 SH SOLE 0 0 37,649
PIMCO ETF TR MULTISECTOR BD 72201R585 6,159,123 233,743 SH SOLE 0 0 233,743
PROCTER AND GAMBLE CO COM 742718109 231,019 1,356 SH SOLE 160 0 1,196
PUTNAM ETF TRUST SUSTAINABLE FUTU 746729201 225,383 10,196 SH SOLE 0 0 10,196
PUTNAM ETF TRUST FOCUSED LAR CAP 746729300 1,164,715 30,586 SH SOLE 0 0 30,586
SPDR S&P 500 ETF TR TR UNIT 78462F103 80,179,171 143,333 SH SOLE 1,035 0 142,299
SPDR GOLD TR GOLD SHS 78463V107 999,270 3,468 SH SOLE 390 0 3,078
SPDR INDEX SHS FDS MSCI EMRG MKTS 78463X426 204,885 3,553 SH SOLE 0 0 3,553
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 5,970,586 163,982 SH SOLE 6,700 0 157,282
SPDR SER TR PORTFOLIO AGRGTE 78464A649 3,843,999 150,509 SH SOLE 1,806 0 148,703
SPDR SER TR PORTFLI INTRMDIT 78464A672 31,874,796 1,115,283 SH SOLE 1,098 0 1,114,185
SPDR SER TR S&P DIVID ETF 78464A763 598,189 4,409 SH SOLE 0 0 4,409
SPDR SER TR PORTFOLI S&P1500 78464A805 11,699,807 172,031 SH SOLE 0 0 172,031
SPDR SER TR PORTFOLIO S&P400 78464A847 344,906 6,739 SH SOLE 0 0 6,739
SPDR SER TR PORTFOLIO S&P500 78464A854 1,607,367 24,443 SH SOLE 0 0 24,443
SPDR SER TR PORTFOLIO SH TSR 78468R101 2,241,667 76,664 SH SOLE 0 0 76,664
SPDR SER TR BLOOMBERG 1-3 MO 78468R663 2,556,319 27,868 SH SOLE 605 0 27,263
SPDR SER TR SPDR MSCI USA GE 78468R747 275,863 2,417 SH SOLE 0 0 2,417
SPDR SER TR MSCI USA STRTGIC 78468R812 1,409,238 8,994 SH SOLE 0 0 8,994
SPDR SER TR PORTFOLIO S&P600 78468R853 240,453 5,899 SH SOLE 0 0 5,899
SSGA ACTIVE TR SPDR DBLELN EMRG 78470P309 636,275 14,763 SH SOLE 0 0 14,763
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 217,539 10,104 SH SOLE 0 0 10,104
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 5,182,172 234,700 SH SOLE 0 0 234,700
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 1,531,185 61,150 SH SOLE 0 0 61,150
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 265,243 9,979 SH SOLE 0 0 9,979
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 2,441,848 93,200 SH SOLE 2,232 0 90,968
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 340,252 14,522 SH SOLE 0 0 14,522
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 684,347 24,476 SH SOLE 0 0 24,476
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 442,471 22,370 SH SOLE 0 0 22,370
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854 10,215,625 410,926 SH SOLE 0 0 410,926
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 210,893 8,664 SH SOLE 0 0 8,664
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 1,394,135 6,752 SH SOLE 920 0 5,832
SPROTT PHYSICAL GOLD TR UNIT 85207H104 2,044,523 84,976 SH SOLE 0 0 84,976
VANECK ETF TRUST REAL ASSETS ETF 92189F130 522,892 17,186 SH SOLE 0 0 17,186
VANECK ETF TRUST MRNGSTR WDE MOAT 92189F643 5,318,998 60,443 SH SOLE 0 0 60,443
VANECK ETF TRUST CLO ETF 92189H748 876,927 16,596 SH SOLE 0 0 16,596
VANGUARD WORLD FD ESG US STK ETF 921910733 400,438 4,088 SH SOLE 0 0 4,088
VANGUARD WORLD FD MEGA CAP VAL ETF 921910840 415,509 3,225 SH SOLE 0 0 3,225
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 206,741 2,815 SH SOLE 0 0 2,815
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 249,561 1,935 SH SOLE 0 0 1,935
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676 409,900 10,131 SH SOLE 0 0 10,131
VANGUARD WORLD FD MATERIALS ETF 92204A801 1,191,958 6,313 SH SOLE 0 0 6,313
VANGUARD SCOTTSDALE FDS VNG RUS2000IDX 92206C664 283,329 3,513 SH SOLE 0 0 3,513
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 1,181,516 13,050 SH SOLE 0 0 13,050
VANGUARD INDEX FDS SML CP GRW ETF 922908595 1,393,547 5,535 SH SOLE 0 0 5,535
VANGUARD INDEX FDS MID CAP ETF 922908629 1,891,256 7,313 SH SOLE 0 0 7,313
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 206,421 1,198 SH SOLE 0 0 1,198
VANGUARD INDEX FDS GROWTH ETF 922908736 4,622,297 12,465 SH SOLE 0 0 12,465
VANGUARD INDEX FDS VALUE ETF 922908744 581,486 3,366 SH SOLE 1,394 0 1,973
VANGUARD INDEX FDS SMALL CP ETF 922908751 246,586 1,112 SH SOLE 0 0 1,112
VANGUARD INDEX FDS TOTAL STK MKT 922908769 439,357 1,599 SH SOLE 0 0 1,599
WISDOMTREE TR GLB US QTLY DIV 97717W844 4,626,074 129,691 SH SOLE 0 0 129,691
WISDOMTREE TR US QTLY DIV GRT 97717X669 2,238,912 28,035 SH SOLE 0 0 28,035
WORLD GOLD TR SPDR GLD MINIS 98149E303 27,254,739 440,374 SH SOLE 841 0 439,533