# EDGAR Filing Document

**Accession Number:** 0001962532
**File Stem:** 0001754960-23-000028
**Filing Date:** 2023-1
**Character Count:** 29226
**Document Hash:** 36805352f88b8de33db7319f585dfadf
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001754960-23-000028.hdr.sgml**: 20230118

**ACCESSION NUMBER**: 0001754960-23-000028

**CONFORMED SUBMISSION TYPE**: 13F-HR

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20221231

**FILED AS OF DATE**: 20230118

**DATE AS OF CHANGE**: 20230118

**EFFECTIVENESS DATE**: 20230118

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** RETIREMENT FINANCIAL SOLUTIONS, LLC
- **CENTRAL INDEX KEY:** 0001962532
- **IRS NUMBER:** 201435302
- **STATE OF INCORPORATION:** TN
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-22734
- **FILM NUMBER:** 23535089

**BUSINESS ADDRESS:**
- **STREET 1:** 9725 COGDILL ROAD
- **STREET 2:** SUITE 101
- **CITY:** KNOXVILLE
- **STATE:** TN
- **ZIP:** 37932
- **BUSINESS PHONE:** 865-392-4260

**MAIL ADDRESS:**
- **STREET 1:** 9725 COGDILL ROAD
- **STREET 2:** SUITE 101
- **CITY:** KNOXVILLE
- **STATE:** TN
- **ZIP:** 37932

### FORM 13F COVER PAGE

**Report for the Calendar Year or Quarter Ended:** 12-31-2022

**Check here if Amendment** [ ] **Amendment Number:** 

**This Amendment (Check only one.):** [ ] is a restatement.

[ ] adds new holdings entries.

**Institutional Investment Manager Filing this Report:**

**Name:** RETIREMENT FINANCIAL SOLUTIONS LLC<br>**Address:** 9725 COGDILL ROAD<br>SUITE 101<br>KNOXVILLE, TN 37932

**Form 13F File Number:** 028-22734

The institutional investment manager filing this report and the person by whom it is signed hereby represent that the person signing the report is authorized to submit it, that all information contained herein is true, correct and complete, and that it is understood that all required items, statements, schedules, lists, and tables, are considered integral parts of this form.

**Person Signing this Report on Behalf of Reporting Manager:**

**Name:** Aryn Sands<br>**Title:** Agent<br>**Phone:** 844-844-3453

**Signature, Place, and Date of Signing:**

Aryn Sands  Reno, NV  01-18-2023<br>[Signature]  [City, State]  [Date]

**Report Type (Check only one.):**

[x] **13F HOLDINGS REPORT.** (Check here if all holdings of this reporting manager are reported in this report.)

[ ] **13F NOTICE.** (Check here if no holdings are reported in this report, and all holdings are reported by other reporting manager(s).)

[ ] **13F COMBINATION REPORT.** (Check here if a portion of the holdings for this reporting manager are reported in this report and a portion are reported by other reporting manager(s).)

### Form 13F Summary Page

**Report Summary:**

**Number of Other Included Managers:** 0

**Form 13F Information Table Entry Total:** 277

**Form 13F Information Table Value Total:** $117712721

      (round to nearest dollar)

**List of Other Included Managers:**

Provide a numbered list of the name(s) and Form 13F file number(s) of all institutional investment managers with respect to which this report is filed, other than the manager filing this report.

[If there are no entries in this list, state “NONE” and omit the column headings and list entries.]

**NONE**

### FORM 13F INFORMATION TABLE

---

|  |  |  |  |  |  |  |  |  |  |  |  |  |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| NAME OF ISSUER | TITLE OF CLASS | CUSIP | FIGI | VALUE (x$1000) | SHRS OR PRN AMT | SH/PRN | PUT/CALL | INVESTMENT DISCRETION | OTHER MANAGER | VOTING AUTHORITY | VOTING AUTHORITY | VOTING AUTHORITY |
| NAME OF ISSUER | TITLE OF CLASS | CUSIP | FIGI | VALUE (x$1000) | SHRS OR PRN AMT | SH/PRN | PUT/CALL | INVESTMENT DISCRETION | OTHER MANAGER | SOLE | SHARED | NONE |
| AMCOR PLC | ORD | G0250X107 |  | 14554 | 1222 | SH |  | SOLE |  | 0 | 0 | 1222 |
| ACCENTURE PLC IRELAND | SHS CLASS A | G1151C101 |  | 1601 | 6 | SH |  | SOLE |  | 0 | 0 | 6 |
| EATON CORP PLC | SHS | G29183103 |  | 204820 | 1305 | SH |  | SOLE |  | 0 | 0 | 1305 |
| INVESCO LTD | SHS | G491BT108 |  | 540 | 30 | SH |  | SOLE |  | 0 | 0 | 30 |
| MEDTRONIC PLC | SHS | G5960L103 |  | 14378 | 185 | SH |  | SOLE |  | 0 | 0 | 185 |
| CHUBB LIMITED | COM | H1467J104 |  | 1544 | 7 | SH |  | SOLE |  | 0 | 0 | 7 |
| FERRARI N V | COM | N3167Y103 |  | 10711 | 50 | SH |  | SOLE |  | 0 | 0 | 50 |
| LYONDELLBASELL INDUSTRIES N | SHS - A - | N53745100 |  | 10047 | 121 | SH |  | SOLE |  | 0 | 0 | 121 |
| STELLANTIS N.V | SHS | N82405106 |  | 7100 | 500 | SH |  | SOLE |  | 0 | 0 | 500 |
| ALPS ETF TR | OSHARES US QUALT | 00162Q387 |  | 1740 | 42 | SH |  | SOLE |  | 0 | 0 | 42 |
| AT INC | COM | 00206R102 |  | 80507 | 4373 | SH |  | SOLE |  | 0 | 0 | 4373 |
| ABBOTT LABS | COM | 002824100 |  | 10212 | 93 | SH |  | SOLE |  | 0 | 0 | 93 |
| ABBVIE INC | COM | 00287Y109 |  | 54185 | 335 | SH |  | SOLE |  | 0 | 0 | 335 |
| ABRDN GOLD ETF TRUST | PHYSCL GOLD SHS | 00326A104 |  | 1345 | 77 | SH |  | SOLE |  | 0 | 0 | 77 |
| ADVISORSHARES TR | NEWFLT MULSINC | 00768Y727 |  | 27332 | 614 | SH |  | SOLE |  | 0 | 0 | 614 |
| ADVANCED MICRO DEVICES INC | COM | 007903107 |  | 2850 | 44 | SH |  | SOLE |  | 0 | 0 | 44 |
| AIRBNB INC | COM CL A | 009066101 |  | 1197 | 14 | SH |  | SOLE |  | 0 | 0 | 14 |
| ALASKA AIR GROUP INC | COM | 011659109 |  | 4300 | 100 | SH |  | SOLE |  | 0 | 0 | 100 |
| ALPHABET INC | CAP STK CL A | 02079K305 |  | 7058 | 80 | SH |  | SOLE |  | 0 | 0 | 80 |
| ALTRIA GROUP INC | COM | 02209S103 |  | 2103 | 46 | SH |  | SOLE |  | 0 | 0 | 46 |
| AMAZON COM INC | COM | 023135106 |  | 31920 | 380 | SH |  | SOLE |  | 0 | 0 | 380 |
| AMERICAN AIRLS GROUP INC | COM | 02376R102 |  | 331 | 26 | SH |  | SOLE |  | 0 | 0 | 26 |
| AMERICAN ELEC PWR CO INC | COM | 025537101 |  | 18420 | 194 | SH |  | SOLE |  | 0 | 0 | 194 |
| THE NECESSITY RETAIL REIT IN | COM CLASS A | 02607T109 |  | 10378 | 1750 | SH |  | SOLE |  | 0 | 0 | 1750 |
| AMGEN INC | COM | 031162100 |  | 19173 | 73 | SH |  | SOLE |  | 0 | 0 | 73 |
| AMPLIFY ETF TR | BLOCKCHAIN LDR | 032108607 |  | 1134 | 75 | SH |  | SOLE |  | 0 | 0 | 75 |
| ANALOG DEVICES INC | COM | 032654105 |  | 2953 | 18 | SH |  | SOLE |  | 0 | 0 | 18 |
| ELEVANCE HEALTH INC | COM | 036752103 |  | 2052 | 4 | SH |  | SOLE |  | 0 | 0 | 4 |
| APPLE INC | COM | 037833100 |  | 353615 | 2722 | SH |  | SOLE |  | 0 | 0 | 2722 |
| AURORA CANNABIS INC | COM | 05156X884 |  | 461 | 500 | SH |  | SOLE |  | 0 | 0 | 500 |
| AUTOMATIC DATA PROCESSING IN | COM | 053015103 |  | 7166 | 30 | SH |  | SOLE |  | 0 | 0 | 30 |
| BCE INC | COM NEW | 05534B760 |  | 35468 | 807 | SH |  | SOLE |  | 0 | 0 | 807 |
| BP PLC | SPONSORED ADR | 055622104 |  | 10025 | 287 | SH |  | SOLE |  | 0 | 0 | 287 |
| BANK NEW YORK MELLON CORP | COM | 064058100 |  | 4506 | 99 | SH |  | SOLE |  | 0 | 0 | 99 |
| BARINGS BDC INC | COM | 06759L103 |  | 896316 | 109977 | SH |  | SOLE |  | 0 | 0 | 109977 |
| BELPOINTE PREP LLC | UNIT RP LTD LB A | 080694102 |  | 230400 | 2304 | SH |  | SOLE |  | 0 | 0 | 2304 |
| BLACKSTONE INC | COM | 09260D107 |  | 8297 | 112 | SH |  | SOLE |  | 0 | 0 | 112 |
| BRITISH AMERN TOB PLC | SPONSORED ADR | 110448107 |  | 47176 | 1180 | SH |  | SOLE |  | 0 | 0 | 1180 |
| CVS HEALTH CORP | COM | 126650100 |  | 265592 | 2850 | SH |  | SOLE |  | 0 | 0 | 2850 |
| CANADIAN IMPERIAL BK COMM TO | COM | 136069101 |  | 11002 | 272 | SH |  | SOLE |  | 0 | 0 | 272 |
| CHEVRON CORP NEW | COM | 166764100 |  | 22436 | 125 | SH |  | SOLE |  | 0 | 0 | 125 |
| CISCO SYS INC | COM | 17275R102 |  | 25011 | 525 | SH |  | SOLE |  | 0 | 0 | 525 |
| CINTAS CORP | COM | 172908105 |  | 163938 | 363 | SH |  | SOLE |  | 0 | 0 | 363 |
| CLOROX CO DEL | COM | 189054109 |  | 20348 | 145 | SH |  | SOLE |  | 0 | 0 | 145 |
| COCA COLA CO | COM | 191216100 |  | 534070 | 8396 | SH |  | SOLE |  | 0 | 0 | 8396 |
| COMCAST CORP NEW | CL A | 20030N101 |  | 11505 | 329 | SH |  | SOLE |  | 0 | 0 | 329 |
| CONAGRA BRANDS INC | COM | 205887102 |  | 16641 | 430 | SH |  | SOLE |  | 0 | 0 | 430 |
| CORNING INC | COM | 219350105 |  | 1054 | 33 | SH |  | SOLE |  | 0 | 0 | 33 |
| CROWN CASTLE INC | COM | 22822V101 |  | 35809 | 264 | SH |  | SOLE |  | 0 | 0 | 264 |
| DBX ETF TR | XTRACK USD HIGH | 233051432 |  | 978 | 29 | SH |  | SOLE |  | 0 | 0 | 29 |
| DIAGEO PLC | SPON ADR NEW | 25243Q205 |  | 2138 | 12 | SH |  | SOLE |  | 0 | 0 | 12 |
| DIGITAL RLTY TR INC | COM | 253868103 |  | 19452 | 194 | SH |  | SOLE |  | 0 | 0 | 194 |
| DIGITALBRIDGE GROUP INC | CL A NEW | 25401T603 |  | 525 | 48 | SH |  | SOLE |  | 0 | 0 | 48 |
| DISCOVER FINL SVCS | COM | 254709108 |  | 1761 | 18 | SH |  | SOLE |  | 0 | 0 | 18 |
| DOMINION ENERGY INC | COM | 25746U109 |  | 28820 | 470 | SH |  | SOLE |  | 0 | 0 | 470 |
| DOVER CORP | COM | 260003108 |  | 4469 | 33 | SH |  | SOLE |  | 0 | 0 | 33 |
| DUKE ENERGY CORP NEW | COM NEW | 26441C204 |  | 38209 | 371 | SH |  | SOLE |  | 0 | 0 | 371 |
| DUTCH BROS INC | CL A | 26701L100 |  | 818 | 29 | SH |  | SOLE |  | 0 | 0 | 29 |
| EPR PPTYS | COM SH BEN INT | 26884U109 |  | 2565 | 68 | SH |  | SOLE |  | 0 | 0 | 68 |
| ESS TECH INC | COMMON STOCK | 26916J106 |  | 3776 | 1554 | SH |  | SOLE |  | 0 | 0 | 1554 |
| ENBRIDGE INC | COM | 29250N105 |  | 37145 | 950 | SH |  | SOLE |  | 0 | 0 | 950 |
| ENPHASE ENERGY INC | COM | 29355A107 |  | 7684 | 29 | SH |  | SOLE |  | 0 | 0 | 29 |
| ENSIGN GROUP INC | COM | 29358P101 |  | 4731 | 50 | SH |  | SOLE |  | 0 | 0 | 50 |
| ENOVIX CORPORATION | COM | 293594107 |  | 7240 | 582 | SH |  | SOLE |  | 0 | 0 | 582 |
| EXXON MOBIL CORP | COM | 30231G102 |  | 366968 | 3327 | SH |  | SOLE |  | 0 | 0 | 3327 |
| FS KKR CAP CORP | COM | 302635206 |  | 817653 | 46723 | SH |  | SOLE |  | 0 | 0 | 46723 |
| FIDELITY COVINGTON TRUST | MSCI FINLS IDX | 316092501 |  | 4938 | 103 | SH |  | SOLE |  | 0 | 0 | 103 |
| FIRST TR EXCHANGE-TRADED FD | DJ INTERNT IDX | 33733E302 |  | 13793 | 112 | SH |  | SOLE |  | 0 | 0 | 112 |
| FIRST TR EXCHANGE TRADED FD | DJ GLBL DIVID | 33734X200 |  | 11452 | 521 | SH |  | SOLE |  | 0 | 0 | 521 |
| FIRST TR EXCHANGE TRADED FD | INDXX NEXTG ETF | 33737K205 |  | 2439 | 40 | SH |  | SOLE |  | 0 | 0 | 40 |
| FIRST TR EXCHANGE-TRADED FD | DORSEY WRT 5 ETF | 33738R605 |  | 10288 | 221 | SH |  | SOLE |  | 0 | 0 | 221 |
| FIRST TR EXCHANGE-TRADED FD | FST LOW OPPT EFT | 33739Q200 |  | 1185 | 25 | SH |  | SOLE |  | 0 | 0 | 25 |
| STANDARD BIOTOOLS INC | COM | 34385P108 |  | 373 | 319 | SH |  | SOLE |  | 0 | 0 | 319 |
| FORD MTR CO DEL | COM | 345370860 |  | 59313 | 5100 | SH |  | SOLE |  | 0 | 0 | 5100 |
| FORWARD AIR CORP | COM | 349853101 |  | 10489 | 100 | SH |  | SOLE |  | 0 | 0 | 100 |
| FRANKLIN BSP RLTY TR INC | COMMON STOCK | 35243J101 |  | 737612 | 57179 | SH |  | SOLE |  | 0 | 0 | 57179 |
| GENERAL DYNAMICS CORP | COM | 369550108 |  | 6451 | 26 | SH |  | SOLE |  | 0 | 0 | 26 |
| GENERAL MLS INC | COM | 370334104 |  | 10397 | 124 | SH |  | SOLE |  | 0 | 0 | 124 |
| GENERAL MTRS CO | COM | 37045V100 |  | 1009 | 30 | SH |  | SOLE |  | 0 | 0 | 30 |
| GENUINE PARTS CO | COM | 372460105 |  | 6420 | 37 | SH |  | SOLE |  | 0 | 0 | 37 |
| GILEAD SCIENCES INC | COM | 375558103 |  | 54000 | 629 | SH |  | SOLE |  | 0 | 0 | 629 |
| GSK PLC | SPONSORED ADR | 37733W204 |  | 1898 | 54 | SH |  | SOLE |  | 0 | 0 | 54 |
| GLOBAL NET LEASE INC | COM NEW | 379378201 |  | 20200 | 1607 | SH |  | SOLE |  | 0 | 0 | 1607 |
| GLOBAL X FDS | GLOBX SUPDV US | 37950E291 |  | 11030 | 587 | SH |  | SOLE |  | 0 | 0 | 587 |
| GOLDMAN SACHS GROUP INC | COM | 38141G104 |  | 1030 | 3 | SH |  | SOLE |  | 0 | 0 | 3 |
| HALEON PLC | SPON ADS | 405552100 |  | 544 | 68 | SH |  | SOLE |  | 0 | 0 | 68 |
| HEALTHCARE SVCS GROUP INC | COM | 421906108 |  | 12000 | 1000 | SH |  | SOLE |  | 0 | 0 | 1000 |
| HOME DEPOT INC | COM | 437076102 |  | 12319 | 39 | SH |  | SOLE |  | 0 | 0 | 39 |
| HONEYWELL INTL INC | COM | 438516106 |  | 1286 | 6 | SH |  | SOLE |  | 0 | 0 | 6 |
| HUNTINGTON BANCSHARES INC | COM | 446150104 |  | 27509 | 1951 | SH |  | SOLE |  | 0 | 0 | 1951 |
| HUT 8 MNG CORP | COM | 44812T102 |  | 285 | 335 | SH |  | SOLE |  | 0 | 0 | 335 |
| IRHYTHM TECHNOLOGIES INC | COM | 450056106 |  | 2248 | 24 | SH |  | SOLE |  | 0 | 0 | 24 |
| ILLINOIS TOOL WKS INC | COM | 452308109 |  | 5948 | 27 | SH |  | SOLE |  | 0 | 0 | 27 |
| INTEL CORP | COM | 458140100 |  | 2564 | 97 | SH |  | SOLE |  | 0 | 0 | 97 |
| INTERNATIONAL BUSINESS MACHS | COM | 459200101 |  | 3240 | 23 | SH |  | SOLE |  | 0 | 0 | 23 |
| INVESCO ACTIVELY MANAGED ETF | VAR RATE INVT | 46090A879 |  | 37065 | 1500 | SH |  | SOLE |  | 0 | 0 | 1500 |
| INVESCO ACTIVELY MANAGED ETF | ULTRA SHRT DUR | 46090A887 |  | 23246 | 470 | SH |  | SOLE |  | 0 | 0 | 470 |
| INVESCO QQQ TR | UNIT SER 1 | 46090E103 |  | 6956158 | 26123 | SH |  | SOLE |  | 0 | 0 | 26123 |
| INTUITIVE SURGICAL INC | COM NEW | 46120E602 |  | 3184 | 12 | SH |  | SOLE |  | 0 | 0 | 12 |
| INTUIT | COM | 461202103 |  | 4281 | 11 | SH |  | SOLE |  | 0 | 0 | 11 |
| INVENTRUST PPTYS CORP | COM NEW | 46124J201 |  | 26747 | 1130 | SH |  | SOLE |  | 0 | 0 | 1130 |
| INVESCO EXCHANGE TRADED FD T | S MDCP400 PR | 46137V217 |  | 2686 | 15 | SH |  | SOLE |  | 0 | 0 | 15 |
| INVESCO EXCH TRADED FD TR II | S HDL VOL | 46138E362 |  | 4233419 | 96587 | SH |  | SOLE |  | 0 | 0 | 96587 |
| INVESCO EXCH TRD SLF IDX FD | BULSHS 2024 CB | 46138J841 |  | 9341 | 456 | SH |  | SOLE |  | 0 | 0 | 456 |
| INVESCO DB US DLR INDEX TR | BULLISH FD | 46141D203 |  | 831726 | 29907 | SH |  | SOLE |  | 0 | 0 | 29907 |
| IRADIMED CORP | COM | 46266A109 |  | 1443 | 51 | SH |  | SOLE |  | 0 | 0 | 51 |
| ISHARES TR | TIPS BD ETF | 464287176 |  | 52049 | 489 | SH |  | SOLE |  | 0 | 0 | 489 |
| ISHARES TR | US TRSPRTION | 464287192 |  | 34382 | 161 | SH |  | SOLE |  | 0 | 0 | 161 |
| ISHARES TR | CORE S ETF | 464287200 |  | 72965 | 190 | SH |  | SOLE |  | 0 | 0 | 190 |
| ISHARES TR | CORE US AGGBD ET | 464287226 |  | 18137 | 187 | SH |  | SOLE |  | 0 | 0 | 187 |
| ISHARES TR | 20 YR TR BD ETF | 464287432 |  | 175325 | 1761 | SH |  | SOLE |  | 0 | 0 | 1761 |
| ISHARES TR | 7-10 YR TRSY BD | 464287440 |  | 12784788 | 133481 | SH |  | SOLE |  | 0 | 0 | 133481 |
| ISHARES TR | 1 3 YR TREAS BD | 464287457 |  | 6050333 | 74539 | SH |  | SOLE |  | 0 | 0 | 74539 |
| ISHARES TR | RUS MDCP VAL ETF | 464287473 |  | 4319 | 41 | SH |  | SOLE |  | 0 | 0 | 41 |
| ISHARES TR | RUS MD CP GR ETF | 464287481 |  | 2508 | 30 | SH |  | SOLE |  | 0 | 0 | 30 |
| ISHARES TR | CORE S MCP ETF | 464287507 |  | 54425 | 225 | SH |  | SOLE |  | 0 | 0 | 225 |
| ISHARES TR | ISHARES BIOTECH | 464287556 |  | 6302 | 48 | SH |  | SOLE |  | 0 | 0 | 48 |
| ISHARES TR | RUS 1000 VAL ETF | 464287598 |  | 758 | 5 | SH |  | SOLE |  | 0 | 0 | 5 |
| ISHARES TR | RUS 1000 GRW ETF | 464287614 |  | 2357 | 11 | SH |  | SOLE |  | 0 | 0 | 11 |
| ISHARES TR | RUSSELL 2000 ETF | 464287655 |  | 7462525 | 42800 | SH |  | SOLE |  | 0 | 0 | 42800 |
| ISHARES TR | CORE S SCP ETF | 464287804 |  | 11641 | 123 | SH |  | SOLE |  | 0 | 0 | 123 |
| ISHARES TR | MSCI ACWI EX US | 464288240 |  | 1092 | 24 | SH |  | SOLE |  | 0 | 0 | 24 |
| ISHARES TR | EAFE SML CP ETF | 464288273 |  | 339 | 6 | SH |  | SOLE |  | 0 | 0 | 6 |
| ISHARES TR | IBOXX HI YD ETF | 464288513 |  | 15757 | 214 | SH |  | SOLE |  | 0 | 0 | 214 |
| ISHARES TR | MBS ETF | 464288588 |  | 73008 | 787 | SH |  | SOLE |  | 0 | 0 | 787 |
| ISHARES TR | USD INV GRDE ETF | 464288620 |  | 10264 | 209 | SH |  | SOLE |  | 0 | 0 | 209 |
| ISHARES TR | ISHS 5-10YR INVT | 464288638 |  | 5716041 | 115452 | SH |  | SOLE |  | 0 | 0 | 115452 |
| ISHARES TR | ISHS 1-5YR INVS | 464288646 |  | 7921 | 159 | SH |  | SOLE |  | 0 | 0 | 159 |
| ISHARES TR | 3 7 YR TREAS BD | 464288661 |  | 1034 | 9 | SH |  | SOLE |  | 0 | 0 | 9 |
| ISHARES TR | SHORT TREAS BD | 464288679 |  | 121462 | 1105 | SH |  | SOLE |  | 0 | 0 | 1105 |
| ISHARES TR | PFD AND INCM SEC | 464288687 |  | 49733 | 1629 | SH |  | SOLE |  | 0 | 0 | 1629 |
| ISHARES TR | EAFE VALUE ETF | 464288877 |  | 3946 | 86 | SH |  | SOLE |  | 0 | 0 | 86 |
| ISHARES TR | EAFE GRWTH ETF | 464288885 |  | 3853 | 46 | SH |  | SOLE |  | 0 | 0 | 46 |
| ISHARES TR | RUS TP200 VL ETF | 464289420 |  | 9356 | 144 | SH |  | SOLE |  | 0 | 0 | 144 |
| ISHARES TR | RUS TP200 GR ETF | 464289438 |  | 11209 | 93 | SH |  | SOLE |  | 0 | 0 | 93 |
| ISHARES TR | US TREAS BD ETF | 46429B267 |  | 3272 | 144 | SH |  | SOLE |  | 0 | 0 | 144 |
| ISHARES TR | FLTG RATE NT ETF | 46429B655 |  | 18622 | 370 | SH |  | SOLE |  | 0 | 0 | 370 |
| ISHARES U S ETF TR | INT RT HDG C B | 46431W705 |  | 5610 | 62 | SH |  | SOLE |  | 0 | 0 | 62 |
| ISHARES TR | CORE MSCI EAFE | 46432F842 |  | 31991 | 519 | SH |  | SOLE |  | 0 | 0 | 519 |
| ISHARES INC | CORE MSCI EMKT | 46434G103 |  | 43945 | 941 | SH |  | SOLE |  | 0 | 0 | 941 |
| ISHARES TR | 0-5YR HI YL CP | 46434V407 |  | 12589911 | 307897 | SH |  | SOLE |  | 0 | 0 | 307897 |
| ISHARES GOLD TR | SHARES REPRESENT | 46436F103 |  | 97733 | 5367 | SH |  | SOLE |  | 0 | 0 | 5367 |
| JPMORGAN CHASE  CO | COM | 46625H100 |  | 26418 | 197 | SH |  | SOLE |  | 0 | 0 | 197 |
| J P MORGAN EXCHANGE TRADED F | ULTRA SHRT INC | 46641Q837 |  | 2507 | 50 | SH |  | SOLE |  | 0 | 0 | 50 |
| JANUS DETROIT STR TR | HENDRSON AAA CL | 47103U845 |  | 13152 | 267 | SH |  | SOLE |  | 0 | 0 | 267 |
| JANUS DETROIT STR TR | HENDRSN SHRT ETF | 47103U886 |  | 22989 | 485 | SH |  | SOLE |  | 0 | 0 | 485 |
| JOHNSON  JOHNSON | COM | 478160104 |  | 40276 | 228 | SH |  | SOLE |  | 0 | 0 | 228 |
| KVH INDS INC | COM | 482738101 |  | 6439 | 630 | SH |  | SOLE |  | 0 | 0 | 630 |
| KEYCORP | COM | 493267108 |  | 18274 | 1049 | SH |  | SOLE |  | 0 | 0 | 1049 |
| KIMBERLY-CLARK CORP | COM | 494368103 |  | 30408 | 224 | SH |  | SOLE |  | 0 | 0 | 224 |
| KINDER MORGAN INC DEL | COM | 49456B101 |  | 4462 | 247 | SH |  | SOLE |  | 0 | 0 | 247 |
| KROGER CO | COM | 501044101 |  | 29646 | 665 | SH |  | SOLE |  | 0 | 0 | 665 |
| LEIDOS HOLDINGS INC | COM | 525327102 |  | 99825 | 949 | SH |  | SOLE |  | 0 | 0 | 949 |
| LOCKHEED MARTIN CORP | COM | 539830109 |  | 8757 | 18 | SH |  | SOLE |  | 0 | 0 | 18 |
| LOWES COS INC | COM | 548661107 |  | 39848 | 200 | SH |  | SOLE |  | 0 | 0 | 200 |
| LUCID GROUP INC | COM | 549498103 |  | 1168 | 171 | SH |  | SOLE |  | 0 | 0 | 171 |
| M  T BK CORP | COM | 55261F104 |  | 4497 | 31 | SH |  | SOLE |  | 0 | 0 | 31 |
| MATTEL INC | COM | 577081102 |  | 2658 | 149 | SH |  | SOLE |  | 0 | 0 | 149 |
| MCDONALDS CORP | COM | 580135101 |  | 22927 | 87 | SH |  | SOLE |  | 0 | 0 | 87 |
| MERCK  CO INC | COM | 58933Y105 |  | 25962 | 234 | SH |  | SOLE |  | 0 | 0 | 234 |
| MICROSOFT CORP | COM | 594918104 |  | 39514 | 165 | SH |  | SOLE |  | 0 | 0 | 165 |
| MICROCHIP TECHNOLOGY INC. | COM | 595017104 |  | 1967 | 28 | SH |  | SOLE |  | 0 | 0 | 28 |
| MODERNA INC | COM | 60770K107 |  | 1796 | 10 | SH |  | SOLE |  | 0 | 0 | 10 |
| MONDELEZ INTL INC | CL A | 609207105 |  | 23328 | 350 | SH |  | SOLE |  | 0 | 0 | 350 |
| NASDAQ INC | COM | 631103108 |  | 1472 | 24 | SH |  | SOLE |  | 0 | 0 | 24 |
| NATIONAL GRID PLC | SPONSORED ADR NE | 636274409 |  | 26179 | 434 | SH |  | SOLE |  | 0 | 0 | 434 |
| NETFLIX INC | COM | 64110L106 |  | 14744 | 50 | SH |  | SOLE |  | 0 | 0 | 50 |
| NEXTERA ENERGY INC | COM | 65339F101 |  | 39794 | 476 | SH |  | SOLE |  | 0 | 0 | 476 |
| NIKE INC | CL B | 654106103 |  | 12871 | 110 | SH |  | SOLE |  | 0 | 0 | 110 |
| NORTHERN TR CORP | COM | 665859104 |  | 531 | 6 | SH |  | SOLE |  | 0 | 0 | 6 |
| NUTRIEN LTD | COM | 67077M108 |  | 2921 | 40 | SH |  | SOLE |  | 0 | 0 | 40 |
| OGE ENERGY CORP | COM | 670837103 |  | 20962 | 530 | SH |  | SOLE |  | 0 | 0 | 530 |
| OCCIDENTAL PETE CORP | COM | 674599105 |  | 2016 | 32 | SH |  | SOLE |  | 0 | 0 | 32 |
| ORGANON  CO | COMMON STOCK | 68622V106 |  | 223 | 8 | SH |  | SOLE |  | 0 | 0 | 8 |
| PNC FINL SVCS GROUP INC | COM | 693475105 |  | 24639 | 156 | SH |  | SOLE |  | 0 | 0 | 156 |
| PPL CORP | COM | 69351T106 |  | 16539 | 566 | SH |  | SOLE |  | 0 | 0 | 566 |
| PENNANT GROUP INC | COM | 70805E109 |  | 275 | 25 | SH |  | SOLE |  | 0 | 0 | 25 |
| PEPSICO INC | COM | 713448108 |  | 454179 | 2514 | SH |  | SOLE |  | 0 | 0 | 2514 |
| PFIZER INC | COM | 717081103 |  | 23622 | 461 | SH |  | SOLE |  | 0 | 0 | 461 |
| PHILIP MORRIS INTL INC | COM | 718172109 |  | 48884 | 483 | SH |  | SOLE |  | 0 | 0 | 483 |
| PHILLIPS EDISON  CO INC | COMMON STOCK | 71844V201 |  | 429617 | 13493 | SH |  | SOLE |  | 0 | 0 | 13493 |
| PHILLIPS 66 | COM | 718546104 |  | 7702 | 74 | SH |  | SOLE |  | 0 | 0 | 74 |
| PIMCO ETF TR | ENHAN SHRT MA AC | 72201R833 |  | 1085 | 11 | SH |  | SOLE |  | 0 | 0 | 11 |
| PROCTER AND GAMBLE CO | COM | 742718109 |  | 163382 | 1078 | SH |  | SOLE |  | 0 | 0 | 1078 |
| QUANTUM SI INC | COM CL A | 74765K105 |  | 900 | 492 | SH |  | SOLE |  | 0 | 0 | 492 |
| RADNET INC | COM | 750491102 |  | 7061 | 375 | SH |  | SOLE |  | 0 | 0 | 375 |
| REALTY INCOME CORP | COM | 756109104 |  | 13828 | 218 | SH |  | SOLE |  | 0 | 0 | 218 |
| REGIONS FINANCIAL CORP NEW | COM | 7591EP100 |  | 604 | 28 | SH |  | SOLE |  | 0 | 0 | 28 |
| RESTAURANT BRANDS INTL INC | COM | 76131D103 |  | 905 | 14 | SH |  | SOLE |  | 0 | 0 | 14 |
| RIVIAN AUTOMOTIVE INC | COM CL A | 76954A103 |  | 3096 | 168 | SH |  | SOLE |  | 0 | 0 | 168 |
| ROKU INC | COM CL A | 77543R102 |  | 2035 | 50 | SH |  | SOLE |  | 0 | 0 | 50 |
| SPDR S 500 ETF TR | TR UNIT | 78462F103 |  | 17910056 | 46832 | SH |  | SOLE |  | 0 | 0 | 46832 |
| SPDR GOLD TR | GOLD SHS | 78463V107 |  | 971698 | 5728 | SH |  | SOLE |  | 0 | 0 | 5728 |
| SPDR INDEX SHS FDS | S GLBDIV ETF | 78463X459 |  | 10506 | 179 | SH |  | SOLE |  | 0 | 0 | 179 |
| SPDR INDEX SHS FDS | S EM MKT DIV | 78463X533 |  | 6336 | 264 | SH |  | SOLE |  | 0 | 0 | 264 |
| SPDR SER TR | PORTFOLIO INTRMD | 78464A375 |  | 13496 | 424 | SH |  | SOLE |  | 0 | 0 | 424 |
| SPDR SER TR | PRTFLO S GW | 78464A409 |  | 4731507 | 93379 | SH |  | SOLE |  | 0 | 0 | 93379 |
| SPDR SER TR | PORTFOLIO SHORT | 78464A474 |  | 11488 | 391 | SH |  | SOLE |  | 0 | 0 | 391 |
| SPDR SER TR | PRTFLO S VL | 78464A508 |  | 7829807 | 201332 | SH |  | SOLE |  | 0 | 0 | 201332 |
| SPDR SER TR | PORTFOLIO LN TSR | 78464A664 |  | 784 | 27 | SH |  | SOLE |  | 0 | 0 | 27 |
| SPDR SER TR | PORTFOLI S | 78464A805 |  | 5296 | 112 | SH |  | SOLE |  | 0 | 0 | 112 |
| SPDR SER TR | PORTFOLIO S | 78464A854 |  | 11695 | 260 | SH |  | SOLE |  | 0 | 0 | 260 |
| SPDR SER TR | PORTFOLIO SH TSR | 78468R101 |  | 1213 | 42 | SH |  | SOLE |  | 0 | 0 | 42 |
| SPDR SER TR | BLOOMBERG INVT | 78468R200 |  | 17292 | 569 | SH |  | SOLE |  | 0 | 0 | 569 |
| SPDR SER TR | BLOOMBERG 1-3 MO | 78468R663 |  | 18843 | 206 | SH |  | SOLE |  | 0 | 0 | 206 |
| SPDR SER TR | PORTFOLIO S | 78468R853 |  | 444 | 12 | SH |  | SOLE |  | 0 | 0 | 12 |
| SABRA HEALTH CARE REIT INC | COM | 78573L106 |  | 3924 | 316 | SH |  | SOLE |  | 0 | 0 | 316 |
| SCHWAB STRATEGIC TR | INTL EQTY ETF | 808524805 |  | 16749 | 520 | SH |  | SOLE |  | 0 | 0 | 520 |
| SCHWAB STRATEGIC TR | US TIPS ETF | 808524870 |  | 1605 | 31 | SH |  | SOLE |  | 0 | 0 | 31 |
| SCIENCE APPLICATIONS INTL CO | COM | 808625107 |  | 1734391 | 15635 | SH |  | SOLE |  | 0 | 0 | 15635 |
| SELECT SECTOR SPDR TR | SBI HEALTHCARE | 81369Y209 |  | 679 | 5 | SH |  | SOLE |  | 0 | 0 | 5 |
| SELECT SECTOR SPDR TR | SBI CONS STPLS | 81369Y308 |  | 447 | 6 | SH |  | SOLE |  | 0 | 0 | 6 |
| SELECT SECTOR SPDR TR | ENERGY | 81369Y506 |  | 172666 | 1974 | SH |  | SOLE |  | 0 | 0 | 1974 |
| SNAP ON INC | COM | 833034101 |  | 12910 | 57 | SH |  | SOLE |  | 0 | 0 | 57 |
| SOLID POWER INC | CLASS A COM | 83422N105 |  | 533 | 210 | SH |  | SOLE |  | 0 | 0 | 210 |
| SONY GROUP CORPORATION | SPONSORED ADR | 835699307 |  | 1526 | 20 | SH |  | SOLE |  | 0 | 0 | 20 |
| SOUTHERN CO | COM | 842587107 |  | 152318 | 2133 | SH |  | SOLE |  | 0 | 0 | 2133 |
| SOUTHERN COPPER CORP | COM | 84265V105 |  | 6039 | 100 | SH |  | SOLE |  | 0 | 0 | 100 |
| SOUTHWEST AIRLS CO | COM | 844741108 |  | 3367 | 100 | SH |  | SOLE |  | 0 | 0 | 100 |
| SPLUNK INC | COM | 848637104 |  | 2152 | 25 | SH |  | SOLE |  | 0 | 0 | 25 |
| STARBUCKS CORP | COM | 855244109 |  | 6349 | 64 | SH |  | SOLE |  | 0 | 0 | 64 |
| STEM INC | COM | 85859N102 |  | 2235 | 250 | SH |  | SOLE |  | 0 | 0 | 250 |
| SYSCO CORP | COM | 871829107 |  | 311299 | 4072 | SH |  | SOLE |  | 0 | 0 | 4072 |
| TAIWAN SEMICONDUCTOR MFG LTD | SPONSORED ADS | 874039100 |  | 1862 | 25 | SH |  | SOLE |  | 0 | 0 | 25 |
| TARGET CORP | COM | 87612E106 |  | 8048 | 54 | SH |  | SOLE |  | 0 | 0 | 54 |
| TC ENERGY CORP | COM | 87807B107 |  | 17140 | 430 | SH |  | SOLE |  | 0 | 0 | 430 |
| TELADOC HEALTH INC | COM | 87918A105 |  | 307 | 13 | SH |  | SOLE |  | 0 | 0 | 13 |
| TESLA INC | COM | 88160R101 |  | 14043 | 114 | SH |  | SOLE |  | 0 | 0 | 114 |
| TEXAS INSTRS INC | COM | 882508104 |  | 19826 | 120 | SH |  | SOLE |  | 0 | 0 | 120 |
| THE ODP CORP | COM | 88337F105 |  | 1594 | 35 | SH |  | SOLE |  | 0 | 0 | 35 |
| THE TRADE DESK INC | COM CL A | 88339J105 |  | 29140 | 650 | SH |  | SOLE |  | 0 | 0 | 650 |
| TOTALENERGIES SE | SPONSORED ADS | 89151E109 |  | 45443 | 732 | SH |  | SOLE |  | 0 | 0 | 732 |
| TOYOTA MOTOR CORP | ADS | 892331307 |  | 4507 | 33 | SH |  | SOLE |  | 0 | 0 | 33 |
| TRUIST FINL CORP | COM | 89832Q109 |  | 21386 | 497 | SH |  | SOLE |  | 0 | 0 | 497 |
| TYSON FOODS INC | CL A | 902494103 |  | 747 | 12 | SH |  | SOLE |  | 0 | 0 | 12 |
| US BANCORP DEL | COM NEW | 902973304 |  | 25294 | 580 | SH |  | SOLE |  | 0 | 0 | 580 |
| ULTRA CLEAN HLDGS INC | COM | 90385V107 |  | 1193 | 36 | SH |  | SOLE |  | 0 | 0 | 36 |
| UNILEVER PLC | SPON ADR NEW | 904767704 |  | 16968 | 337 | SH |  | SOLE |  | 0 | 0 | 337 |
| UNITED PARCEL SERVICE INC | CL B | 911312106 |  | 58236 | 335 | SH |  | SOLE |  | 0 | 0 | 335 |
| VANECK ETF TRUST | FALLEN ANGEL HG | 92189F437 |  | 6485 | 240 | SH |  | SOLE |  | 0 | 0 | 240 |
| VANECK ETF TRUST | JP MRGAN EM LOC | 92189H300 |  | 1769 | 73 | SH |  | SOLE |  | 0 | 0 | 73 |
| VANGUARD BD INDEX FDS | SHORT TRM BOND | 921937827 |  | 1204 | 16 | SH |  | SOLE |  | 0 | 0 | 16 |
| VANGUARD TAX-MANAGED FDS | VAN FTSE DEV MKT | 921943858 |  | 14564 | 347 | SH |  | SOLE |  | 0 | 0 | 347 |
| VANGUARD WHITEHALL FDS | HIGH DIV YLD | 921946406 |  | 10280 | 95 | SH |  | SOLE |  | 0 | 0 | 95 |
| VANGUARD CHARLOTTE FDS | TOTAL INT BD ETF | 92203J407 |  | 617 | 13 | SH |  | SOLE |  | 0 | 0 | 13 |
| VANGUARD INTL EQUITY INDEX F | FTSE EMR MKT ETF | 922042858 |  | 5847 | 150 | SH |  | SOLE |  | 0 | 0 | 150 |
| VANGUARD SCOTTSDALE FDS | SHORT TERM TREAS | 92206C102 |  | 3122 | 54 | SH |  | SOLE |  | 0 | 0 | 54 |
| VANGUARD SCOTTSDALE FDS | VNG RUS2000IDX | 92206C664 |  | 2181 | 31 | SH |  | SOLE |  | 0 | 0 | 31 |
| VANGUARD SCOTTSDALE FDS | INTER TERM TREAS | 92206C706 |  | 4561 | 78 | SH |  | SOLE |  | 0 | 0 | 78 |
| VANGUARD SCOTTSDALE FDS | MTG-BKD SECS ETF | 92206C771 |  | 12381 | 272 | SH |  | SOLE |  | 0 | 0 | 272 |
| VANGUARD SCOTTSDALE FDS | LONG TERM TREAS | 92206C847 |  | 1725 | 28 | SH |  | SOLE |  | 0 | 0 | 28 |
| VENTAS INC | COM | 92276F100 |  | 20678 | 459 | SH |  | SOLE |  | 0 | 0 | 459 |
| VANGUARD INDEX FDS | S 500 ETF SHS | 922908363 |  | 3513 | 10 | SH |  | SOLE |  | 0 | 0 | 10 |
| VANGUARD INDEX FDS | REAL ESTATE ETF | 922908553 |  | 28208 | 342 | SH |  | SOLE |  | 0 | 0 | 342 |
| VANGUARD INDEX FDS | SML CP GRW ETF | 922908595 |  | 2607 | 13 | SH |  | SOLE |  | 0 | 0 | 13 |
| VANGUARD INDEX FDS | SM CP VAL ETF | 922908611 |  | 7791304 | 49064 | SH |  | SOLE |  | 0 | 0 | 49064 |
| VANGUARD INDEX FDS | MID CAP ETF | 922908629 |  | 7546200 | 37026 | SH |  | SOLE |  | 0 | 0 | 37026 |
| VANGUARD INDEX FDS | SMALL CP ETF | 922908751 |  | 918 | 5 | SH |  | SOLE |  | 0 | 0 | 5 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 |  | 1530 | 8 | SH |  | SOLE |  | 0 | 0 | 8 |
| VERIZON COMMUNICATIONS INC | COM | 92343V104 |  | 59376 | 1507 | SH |  | SOLE |  | 0 | 0 | 1507 |
| VICTORY PORTFOLIOS II | VCTRYSHS USAA CR | 92647N535 |  | 5740 | 118 | SH |  | SOLE |  | 0 | 0 | 118 |
| VISHAY INTERTECHNOLOGY INC | COM | 928298108 |  | 2157 | 100 | SH |  | SOLE |  | 0 | 0 | 100 |
| VODAFONE GROUP PLC NEW | SPONSORED ADR | 92857W308 |  | 20928 | 2068 | SH |  | SOLE |  | 0 | 0 | 2068 |
| WP CAREY INC | COM | 92936U109 |  | 28212 | 361 | SH |  | SOLE |  | 0 | 0 | 361 |
| WALMART INC | COM | 931142103 |  | 4679 | 33 | SH |  | SOLE |  | 0 | 0 | 33 |
| WALGREENS BOOTS ALLIANCE INC | COM | 931427108 |  | 20473 | 548 | SH |  | SOLE |  | 0 | 0 | 548 |
| WARNER BROS DISCOVERY INC | COM SER A | 934423104 |  | 6968 | 735 | SH |  | SOLE |  | 0 | 0 | 735 |
| WASTE MGMT INC DEL | COM | 94106L109 |  | 5805 | 37 | SH |  | SOLE |  | 0 | 0 | 37 |
| WELLTOWER INC | COM | 95040Q104 |  | 1573 | 24 | SH |  | SOLE |  | 0 | 0 | 24 |
| WILLIAMS COS INC | COM | 969457100 |  | 31485 | 957 | SH |  | SOLE |  | 0 | 0 | 957 |
| WISDOMTREE TR | JAPN HEDGE EQT | 97717W851 |  | 1607 | 25 | SH |  | SOLE |  | 0 | 0 | 25 |
| WISDOMTREE TR | EUROPE HEDGED EQ | 97717X701 |  | 2629332 | 37583 | SH |  | SOLE |  | 0 | 0 | 37583 |
| XCEL ENERGY INC | COM | 98389B100 |  | 15074 | 215 | SH |  | SOLE |  | 0 | 0 | 215 |
| XOMA CORP DEL | COM NEW | 98419J206 |  | 957 | 52 | SH |  | SOLE |  | 0 | 0 | 52 |
| YUM BRANDS INC | COM | 988498101 |  | 68139 | 532 | SH |  | SOLE |  | 0 | 0 | 532 |
| YUM CHINA HLDGS INC | COM | 98850P109 |  | 26177 | 479 | SH |  | SOLE |  | 0 | 0 | 479 |
| ZOOM VIDEO COMMUNICATIONS IN | CL A | 98980L101 |  | 1355 | 20 | SH |  | SOLE |  | 0 | 0 | 20 |

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