# EDGAR Filing Document

**Accession Number:** 0001535172
**File Stem:** 0001398344-25-013494
**Filing Date:** 2025-7
**Character Count:** 20601
**Document Hash:** 2d0303105904907efbdecf9a52da381a
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001398344-25-013494.hdr.sgml**: 20250722

**ACCESSION NUMBER**: 0001398344-25-013494

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20250630

**FILED AS OF DATE**: 20250722

**DATE AS OF CHANGE**: 20250722

**EFFECTIVENESS DATE**: 20250722

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Berkshire Money Management, Inc.
- **CENTRAL INDEX KEY:** 0001535172

**ORGANIZATION NAME:**
- **EIN:** 043556944
- **STATE OF INCORPORATION:** MA
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-15668
- **FILM NUMBER:** 251139495

**BUSINESS ADDRESS:**
- **STREET 1:** 161 MAIN ST
- **CITY:** DALTON
- **STATE:** MA
- **ZIP:** 01226
- **BUSINESS PHONE:** 1-888-232-6072

**MAIL ADDRESS:**
- **STREET 1:** 161 MAIN ST
- **CITY:** DALTON
- **STATE:** MA
- **ZIP:** 01226

### FORM 13F COVER PAGE

**Report for the Calendar Year or Quarter Ended:** 06-30-2025

**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:** Berkshire Money Management Inc.<br>**Address:** 161 MAIN ST<br>DALTON, MA 01226

**Form 13F File Number:** 028-15668

**CRD Number (if applicable):** 000124873

**SEC File Number (if applicable):** 801-61763

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:** Allen Pierre Harris<br>**Title:** CEO CIO and CCO<br>**Phone:** 413-997-2006

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

/s/ Allen Pierre Harris  Dalton, MA  07-21-2025<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:** 167

**Form 13F Information Table Value Total:** $950265786

      (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 |
| WISDOMTREE TR | INDIA ERNGS FD | 97717W422 |  | 21362 | 450 | SH |  | SOLE |  | 0 | 0 | 450 |
| ISHARES TR | CHINA LG-CAP ETF | 464287184 |  | 22056 | 600 | SH |  | SOLE |  | 0 | 0 | 600 |
| ISHARES TR | RUS 1000 VAL ETF | 464287598 |  | 23891 | 123 | SH |  | SOLE |  | 0 | 0 | 123 |
| GALECTIN THERAPEUTICS INC | COM NEW | 363225202 |  | 23947 | 11349 | SH |  | SOLE |  | 0 | 0 | 11349 |
| SCHWAB STRATEGIC TR | US LCAP VA ETF | 808524409 |  | 23990 | 867 | SH |  | SOLE |  | 0 | 0 | 867 |
| VANGUARD INDEX FDS | SM CP VAL ETF | 922908611 |  | 24377 | 125 | SH |  | SOLE |  | 0 | 0 | 125 |
| SPDR SERIES TRUST | BLOOMBERG SHT TE | 78468R408 |  | 25455 | 999 | SH |  | SOLE |  | 0 | 0 | 999 |
| VANGUARD SCOTTSDALE FDS | SHORT TERM TREAS | 92206C102 |  | 27039 | 460 | SH |  | SOLE |  | 0 | 0 | 460 |
| INVESCO EXCHANGE TRADED FD T | S QUALITY | 46137V241 |  | 27792 | 390 | SH |  | SOLE |  | 0 | 0 | 390 |
| ISHARES TR | ISHARES BIOTECH | 464287556 |  | 27833 | 220 | SH |  | SOLE |  | 0 | 0 | 220 |
| ISHARES TR | MSCI USA MIN VOL | 46429B697 |  | 30508 | 325 | SH |  | SOLE |  | 0 | 0 | 325 |
| VANECK ETF TRUST | URANIUM AND NUCL | 92189F601 |  | 32687 | 294 | SH |  | SOLE |  | 0 | 0 | 294 |
| VANGUARD INDEX FDS | VALUE ETF | 922908744 |  | 32874 | 186 | SH |  | SOLE |  | 0 | 0 | 186 |
| VANGUARD SPECIALIZED FUNDS | DIV APP ETF | 921908844 |  | 32952 | 161 | SH |  | SOLE |  | 0 | 0 | 161 |
| ISHARES TR | S 500 VAL ETF | 464287408 |  | 34004 | 174 | SH |  | SOLE |  | 0 | 0 | 174 |
| EXCHANGE TRADED CONCEPTS TRU | ROBO GLB ETF | 301505707 |  | 34374 | 575 | SH |  | SOLE |  | 0 | 0 | 575 |
| SELECT SECTOR SPDR TR | SBI MATERIALS | 81369Y100 |  | 35124 | 400 | SH |  | SOLE |  | 0 | 0 | 400 |
| INNOVATOR ETFS TRUST | US EQUITY ACCELE | 45783Y301 |  | 35418 | 964 | SH |  | SOLE |  | 0 | 0 | 964 |
| SCHWAB STRATEGIC TR | 5 10YR CORP BD | 808524698 |  | 38670 | 1699 | SH |  | SOLE |  | 0 | 0 | 1699 |
| ISHARES TR | ESG SELECT SCRE | 46436E551 |  | 41500 | 1000 | SH |  | SOLE |  | 0 | 0 | 1000 |
| VANECK ETF TRUST | MRNGSTR WDE MOAT | 92189F643 |  | 42206 | 450 | SH |  | SOLE |  | 0 | 0 | 450 |
| ISHARES TR | 1 3 YR TREAS BD | 464287457 |  | 43088 | 520 | SH |  | SOLE |  | 0 | 0 | 520 |
| VANGUARD INDEX FDS | SML CP GRW ETF | 922908595 |  | 43757 | 158 | SH |  | SOLE |  | 0 | 0 | 158 |
| SCHWAB STRATEGIC TR | US LRG CAP ETF | 808524201 |  | 44872 | 1836 | SH |  | SOLE |  | 0 | 0 | 1836 |
| ISHARES TR | RUS MD CP GR ETF | 464287481 |  | 45071 | 325 | SH |  | SOLE |  | 0 | 0 | 325 |
| BANK AMERICA CORP | 7.25%CNV PFD L | 060505682 |  | 48520 | 40 | SH |  | SOLE |  | 0 | 0 | 40 |
| SPDR SERIES TRUST | S HOMEBUILD | 78464A888 |  | 49285 | 500 | SH |  | SOLE |  | 0 | 0 | 500 |
| ISHARES TR | RUS MID CAP ETF | 464287499 |  | 50860 | 553 | SH |  | SOLE |  | 0 | 0 | 553 |
| INVESCO EXCH TRD SLF IDX FD | BULETSHS 2029 | 46138J577 |  | 50977 | 2726 | SH |  | SOLE |  | 0 | 0 | 2726 |
| SCHWAB STRATEGIC TR | FUNDAMENTAL US L | 808524771 |  | 51838 | 2112 | SH |  | SOLE |  | 0 | 0 | 2112 |
| VANGUARD INDEX FDS | REAL ESTATE ETF | 922908553 |  | 52724 | 592 | SH |  | SOLE |  | 0 | 0 | 592 |
| INNOVATOR ETFS TRUST | US EQTY BUF DEC | 45782C557 |  | 55638 | 1232 | SH |  | SOLE |  | 0 | 0 | 1232 |
| SPDR SERIES TRUST | SPDR MSCI USA GE | 78468R747 |  | 56919 | 456 | SH |  | SOLE |  | 0 | 0 | 456 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 |  | 60179 | 198 | SH |  | SOLE |  | 0 | 0 | 198 |
| INNOVATOR ETFS TRUST | US EQTY PWR BUF | 45782C417 |  | 61615 | 1621 | SH |  | SOLE |  | 0 | 0 | 1621 |
| SPDR SERIES TRUST | PORTFOLIO S | 78464A854 |  | 61860 | 851 | SH |  | SOLE |  | 0 | 0 | 851 |
| ISHARES TR | RUS 1000 GRW ETF | 464287614 |  | 63263 | 149 | SH |  | SOLE |  | 0 | 0 | 149 |
| SCHWAB STRATEGIC TR | INT-TRM U.S TRES | 808524854 |  | 64753 | 2587 | SH |  | SOLE |  | 0 | 0 | 2587 |
| VANGUARD SCOTTSDALE FDS | MTG-BKD SECS ETF | 92206C771 |  | 67611 | 1459 | SH |  | SOLE |  | 0 | 0 | 1459 |
| ISHARES TR | CORE MSCI EAFE | 46432F842 |  | 68538 | 821 | SH |  | SOLE |  | 0 | 0 | 821 |
| ISHARES TR | SELECT DIVID ETF | 464287168 |  | 75171 | 566 | SH |  | SOLE |  | 0 | 0 | 566 |
| INVESCO EXCHANGE TRADED FD T | DJ INDL AVG DV | 46137V605 |  | 82498 | 1551 | SH |  | SOLE |  | 0 | 0 | 1551 |
| ISHARES TR | MSCI USA VALUE | 46432F388 |  | 87399 | 772 | SH |  | SOLE |  | 0 | 0 | 772 |
| ANAVEX LIFE SCIENCES CORP | COM NEW | 032797300 |  | 92200 | 10000 | SH |  | SOLE |  | 0 | 0 | 10000 |
| COMPASS INC | CL A | 20464U100 |  | 92944 | 14800 | SH |  | SOLE |  | 0 | 0 | 14800 |
| INNOVATOR ETFS TRUST | US SMALL CAP PWR | 45783Y137 |  | 95129 | 3828 | SH |  | SOLE |  | 0 | 0 | 3828 |
| SELECT SECTOR SPDR TR | FINANCIAL | 81369Y605 |  | 98121 | 1874 | SH |  | SOLE |  | 0 | 0 | 1874 |
| VANGUARD ADMIRAL FDS INC | 500 GRTH IDX F | 921932505 |  | 98342 | 248 | SH |  | SOLE |  | 0 | 0 | 248 |
| SPDR DOW JONES INDL AVERAGE | UT SER 1 | 78467X109 |  | 102231 | 232 | SH |  | SOLE |  | 0 | 0 | 232 |
| VANGUARD BD INDEX FDS | SHORT TRM BOND | 921937827 |  | 105537 | 1341 | SH |  | SOLE |  | 0 | 0 | 1341 |
| INVESCO EXCHANGE TRADED FD T | S EQL WGT | 46137V357 |  | 116314 | 640 | SH |  | SOLE |  | 0 | 0 | 640 |
| VANGUARD WORLD FD | MEGA CAP INDEX | 921910873 |  | 119883 | 533 | SH |  | SOLE |  | 0 | 0 | 533 |
| ISHARES TR | S 500 GRWT ETF | 464287309 |  | 128928 | 1171 | SH |  | SOLE |  | 0 | 0 | 1171 |
| INVESCO EXCHANGE TRADED FD T | WATER RES ETF | 46137V142 |  | 130243 | 1863 | SH |  | SOLE |  | 0 | 0 | 1863 |
| INVESCO QQQ TR | UNIT SER 1 | 46090E103 |  | 137359 | 249 | SH |  | SOLE |  | 0 | 0 | 249 |
| SELECT SECTOR SPDR TR | TECHNOLOGY | 81369Y803 |  | 147127 | 581 | SH |  | SOLE |  | 0 | 0 | 581 |
| INNOVATOR ETFS TRUST | GRWT100 PWR BUF | 45782C276 |  | 154224 | 2266 | SH |  | SOLE |  | 0 | 0 | 2266 |
| INNOVATOR ETFS TRUST | US EQT ULTRA BF | 45782C730 |  | 158828 | 4459 | SH |  | SOLE |  | 0 | 0 | 4459 |
| VANGUARD INDEX FDS | SMALL CP ETF | 922908751 |  | 181290 | 765 | SH |  | SOLE |  | 0 | 0 | 765 |
| SELECT SECTOR SPDR TR | INDL | 81369Y704 |  | 187584 | 1272 | SH |  | SOLE |  | 0 | 0 | 1272 |
| SELECT SECTOR SPDR TR | ENERGY | 81369Y506 |  | 190958 | 2252 | SH |  | SOLE |  | 0 | 0 | 2252 |
| ISHARES TR | TIPS BD ETF | 464287176 |  | 197302 | 1793 | SH |  | SOLE |  | 0 | 0 | 1793 |
| ISHARES TR | MSCI EAFE ETF | 464287465 |  | 198536 | 2221 | SH |  | SOLE |  | 0 | 0 | 2221 |
| CONSTELLATION ENERGY CORP | COM | 21037T109 |  | 200112 | 620 | SH |  | SOLE |  | 0 | 0 | 620 |
| CISCO SYS INC | COM | 17275R102 |  | 200439 | 2889 | SH |  | SOLE |  | 0 | 0 | 2889 |
| PEPSICO INC | COM | 713448108 |  | 205587 | 1557 | SH |  | SOLE |  | 0 | 0 | 1557 |
| OTIS WORLDWIDE CORP | COM | 68902V107 |  | 207942 | 2100 | SH |  | SOLE |  | 0 | 0 | 2100 |
| INNOVATOR ETFS TRUST | US EQTY PWR BF | 45782C680 |  | 209300 | 5173 | SH |  | SOLE |  | 0 | 0 | 5173 |
| COCA COLA CO | COM | 191216100 |  | 210552 | 2976 | SH |  | SOLE |  | 0 | 0 | 2976 |
| BANK AMERICA CORP | COM | 060505104 |  | 210858 | 4456 | SH |  | SOLE |  | 0 | 0 | 4456 |
| CHEVRON CORP NEW | COM | 166764100 |  | 213497 | 1491 | SH |  | SOLE |  | 0 | 0 | 1491 |
| WALMART INC | COM | 931142103 |  | 216092 | 2210 | SH |  | SOLE |  | 0 | 0 | 2210 |
| SALESFORCE INC | COM | 79466L302 |  | 216244 | 793 | SH |  | SOLE |  | 0 | 0 | 793 |
| HONEYWELL INTL INC | COM | 438516106 |  | 235675 | 1012 | SH |  | SOLE |  | 0 | 0 | 1012 |
| QUALCOMM INC | COM | 747525103 |  | 236356 | 1484 | SH |  | SOLE |  | 0 | 0 | 1484 |
| AT INC | COM | 00206R102 |  | 238713 | 8249 | SH |  | SOLE |  | 0 | 0 | 8249 |
| ELI LILLY  CO | COM | 532457108 |  | 243384 | 312 | SH |  | SOLE |  | 0 | 0 | 312 |
| SPDR GOLD TR | GOLD SHS | 78463V107 |  | 248742 | 816 | SH |  | SOLE |  | 0 | 0 | 816 |
| ISHARES TR | CORE S ETF | 464287200 |  | 252471 | 407 | SH |  | SOLE |  | 0 | 0 | 407 |
| INVESCO EXCH TRD SLF IDX FD | BULSHS 2027 CB | 46138J783 |  | 255529 | 13004 | SH |  | SOLE |  | 0 | 0 | 13004 |
| INVESCO EXCH TRD SLF IDX FD | BULSHS 2025 CB | 46138J825 |  | 256495 | 12403 | SH |  | SOLE |  | 0 | 0 | 12403 |
| ALPHABET INC | CAP STK CL C | 02079K107 |  | 273131 | 1540 | SH |  | SOLE |  | 0 | 0 | 1540 |
| INNOVATOR ETFS TRUST | US EQTY BUFR JUN | 45782C755 |  | 276958 | 6329 | SH |  | SOLE |  | 0 | 0 | 6329 |
| GENERAL DYNAMICS CORP | COM | 369550108 |  | 288452 | 989 | SH |  | SOLE |  | 0 | 0 | 989 |
| INNOVATOR ETFS TRUST | US EQTY PWR BUF | 45782C797 |  | 291000 | 7046 | SH |  | SOLE |  | 0 | 0 | 7046 |
| HILTON WORLDWIDE HLDGS INC | COM | 43300A203 |  | 296703 | 1114 | SH |  | SOLE |  | 0 | 0 | 1114 |
| INNOVATOR ETFS TRUST | US EQTY BUFR MAY | 45782C326 |  | 300760 | 7127 | SH |  | SOLE |  | 0 | 0 | 7127 |
| SPDR SERIES TRUST | S | 78468R705 |  | 302842 | 1136 | SH |  | SOLE |  | 0 | 0 | 1136 |
| SPDR S 500 ETF TR | TR UNIT | 78462F103 |  | 312015 | 505 | SH |  | SOLE |  | 0 | 0 | 505 |
| PROCTER AND GAMBLE CO | COM | 742718109 |  | 316410 | 1986 | SH |  | SOLE |  | 0 | 0 | 1986 |
| ISHARES TR | IBOXX INV CP ETF | 464287242 |  | 322422 | 2942 | SH |  | SOLE |  | 0 | 0 | 2942 |
| HOME DEPOT INC | COM | 437076102 |  | 325973 | 889 | SH |  | SOLE |  | 0 | 0 | 889 |
| CARRIER GLOBAL CORPORATION | COM | 14448C104 |  | 338797 | 4629 | SH |  | SOLE |  | 0 | 0 | 4629 |
| SPDR SERIES TRUST | S DIVID ETF | 78464A763 |  | 348827 | 2570 | SH |  | SOLE |  | 0 | 0 | 2570 |
| INNOVATOR ETFS TRUST | US EQTY PWR BUF | 45782C508 |  | 361387 | 8204 | SH |  | SOLE |  | 0 | 0 | 8204 |
| PARKER-HANNIFIN CORP | COM | 701094104 |  | 385556 | 552 | SH |  | SOLE |  | 0 | 0 | 552 |
| TESLA INC | COM | 88160R101 |  | 391675 | 1233 | SH |  | SOLE |  | 0 | 0 | 1233 |
| VANGUARD ADMIRAL FDS INC | 500 VAL IDX FD | 921932703 |  | 407992 | 2162 | SH |  | SOLE |  | 0 | 0 | 2162 |
| BOEING CO | COM | 097023105 |  | 408374 | 1949 | SH |  | SOLE |  | 0 | 0 | 1949 |
| NETFLIX INC | COM | 64110L106 |  | 411223 | 307 | SH |  | SOLE |  | 0 | 0 | 307 |
| INVESCO EXCH TRD SLF IDX FD | INVSCO BLSH 28 | 46138J643 |  | 413058 | 20159 | SH |  | SOLE |  | 0 | 0 | 20159 |
| JPMORGAN CHASE  CO. | COM | 46625H100 |  | 439621 | 1516 | SH |  | SOLE |  | 0 | 0 | 1516 |
| INNOVATOR ETFS TRUST | US EQTY PWR BUF | 45782C573 |  | 469142 | 11871 | SH |  | SOLE |  | 0 | 0 | 11871 |
| BROADCOM INC | COM | 11135F101 |  | 471488 | 1710 | SH |  | SOLE |  | 0 | 0 | 1710 |
| VISA INC | COM CL A | 92826C839 |  | 488904 | 1377 | SH |  | SOLE |  | 0 | 0 | 1377 |
| WISDOMTREE TR | US LARGECAP DIVD | 97717W307 |  | 492840 | 6000 | SH |  | SOLE |  | 0 | 0 | 6000 |
| INNOVATOR ETFS TRUST | US EQUT BUFR AUG | 45782C698 |  | 537148 | 11672 | SH |  | SOLE |  | 0 | 0 | 11672 |
| PARK NATL CORP | COM | 700658107 |  | 539916 | 3228 | SH |  | SOLE |  | 0 | 0 | 3228 |
| INVESCO EXCH TRD SLF IDX FD | BULSHS 2026 CB | 46138J791 |  | 564948 | 28942 | SH |  | SOLE |  | 0 | 0 | 28942 |
| INNOVATOR ETFS TRUST | US EQTY BUF SEP | 45782C664 |  | 573001 | 12687 | SH |  | SOLE |  | 0 | 0 | 12687 |
| INNOVATOR ETFS TRUST | GRWT100 PWR BF | 45782C466 |  | 611792 | 12055 | SH |  | SOLE |  | 0 | 0 | 12055 |
| EMERSON ELEC CO | COM | 291011104 |  | 629318 | 4720 | SH |  | SOLE |  | 0 | 0 | 4720 |
| VANGUARD WORLD FD | MEGA GRWTH IND | 921910816 |  | 652515 | 1782 | SH |  | SOLE |  | 0 | 0 | 1782 |
| ALPHABET INC | CAP STK CL A | 02079K305 |  | 674323 | 3826 | SH |  | SOLE |  | 0 | 0 | 3826 |
| RTX CORPORATION | COM | 75513E101 |  | 698268 | 4782 | SH |  | SOLE |  | 0 | 0 | 4782 |
| SELECT SECTOR SPDR TR | SBI HEALTHCARE | 81369Y209 |  | 759419 | 5634 | SH |  | SOLE |  | 0 | 0 | 5634 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 |  | 773346 | 1592 | SH |  | SOLE |  | 0 | 0 | 1592 |
| COSTCO WHSL CORP NEW | COM | 22160K105 |  | 785123 | 793 | SH |  | SOLE |  | 0 | 0 | 793 |
| SPDR S MIDCAP 400 ETF TR | UTSER1 S | 78467Y107 |  | 793760 | 1401 | SH |  | SOLE |  | 0 | 0 | 1401 |
| SPDR SERIES TRUST | BLOOMBERG HIGH Y | 78468R622 |  | 822905 | 8460 | SH |  | SOLE |  | 0 | 0 | 8460 |
| INNOVATOR ETFS TRUST | US EQTY BUF NOV | 45782C581 |  | 855984 | 20749 | SH |  | SOLE |  | 0 | 0 | 20749 |
| META PLATFORMS INC | CL A | 30303M102 |  | 885821 | 1200 | SH |  | SOLE |  | 0 | 0 | 1200 |
| INNOVATOR ETFS TRUST | US EQT BUFR APR | 45782C888 |  | 965845 | 21374 | SH |  | SOLE |  | 0 | 0 | 21374 |
| INNOVATOR ETFS TRUST | US SMALL CAP PWR | 45784N833 |  | 974393 | 40549 | SH |  | SOLE |  | 0 | 0 | 40549 |
| ISHARES TR | RUSSELL 2000 ETF | 464287655 |  | 1174794 | 5444 | SH |  | SOLE |  | 0 | 0 | 5444 |
| INNOVATOR ETFS TRUST | US EQTY BUFR JAN | 45782C409 |  | 1184397 | 23582 | SH |  | SOLE |  | 0 | 0 | 23582 |
| ISHARES TR | 0-3 MNTH TREASRY | 46436E718 |  | 1259129 | 12505 | SH |  | SOLE |  | 0 | 0 | 12505 |
| VANGUARD INDEX FDS | LARGE CAP ETF | 922908637 |  | 1294121 | 4536 | SH |  | SOLE |  | 0 | 0 | 4536 |
| VANGUARD WORLD FD | CONSUM STP ETF | 92204A207 |  | 1323636 | 6044 | SH |  | SOLE |  | 0 | 0 | 6044 |
| VANGUARD SCOTTSDALE FDS | SHRT TRM CORP BD | 92206C409 |  | 1431080 | 18001 | SH |  | SOLE |  | 0 | 0 | 18001 |
| EXXON MOBIL CORP | COM | 30231G102 |  | 1507978 | 13989 | SH |  | SOLE |  | 0 | 0 | 13989 |
| VANGUARD SCOTTSDALE FDS | VNG RUS1000IDX | 92206C730 |  | 1549224 | 5516 | SH |  | SOLE |  | 0 | 0 | 5516 |
| INNOVATOR ETFS TRUST | US EQTY BUFR JUL | 45782C789 |  | 1761767 | 37381 | SH |  | SOLE |  | 0 | 0 | 37381 |
| VANGUARD INDEX FDS | MCAP GR IDXVIP | 922908538 |  | 1763218 | 6200 | SH |  | SOLE |  | 0 | 0 | 6200 |
| ISHARES TR | S 100 ETF | 464287101 |  | 1824274 | 5994 | SH |  | SOLE |  | 0 | 0 | 5994 |
| INNOVATOR ETFS TRUST | US EQTY PWR BUF | 45782C813 |  | 1935408 | 44137 | SH |  | SOLE |  | 0 | 0 | 44137 |
| ISHARES TR | MSCI USA MMENTM | 46432F396 |  | 1939711 | 8071 | SH |  | SOLE |  | 0 | 0 | 8071 |
| AMAZON COM INC | COM | 023135106 |  | 2159960 | 9845 | SH |  | SOLE |  | 0 | 0 | 9845 |
| NVIDIA CORPORATION | COM | 67066G104 |  | 2420841 | 15323 | SH |  | SOLE |  | 0 | 0 | 15323 |
| INNOVATOR ETFS TRUST | US EQTY BUF OCT | 45782C771 |  | 2562290 | 56376 | SH |  | SOLE |  | 0 | 0 | 56376 |
| INVESCO EXCH TRADED FD TR II | S LOW VOL | 46138E354 |  | 2929039 | 40223 | SH |  | SOLE |  | 0 | 0 | 40223 |
| INNOVATOR ETFS TRUST | US EQT ULTRA BF | 45782C300 |  | 3227811 | 79793 | SH |  | SOLE |  | 0 | 0 | 79793 |
| MICROSOFT CORP | COM | 594918104 |  | 3258068 | 6550 | SH |  | SOLE |  | 0 | 0 | 6550 |
| INNOVATOR ETFS TRUST | US SML CP PWR ET | 45782C342 |  | 3294911 | 101740 | SH |  | SOLE |  | 0 | 0 | 101740 |
| VANGUARD INDEX FDS | S 500 ETF SHS | 922908363 |  | 3546825 | 6244 | SH |  | SOLE |  | 0 | 0 | 6244 |
| APPLE INC | COM | 037833100 |  | 4795738 | 23374 | SH |  | SOLE |  | 0 | 0 | 23374 |
| DIREXION SHS ETF TR | NAS100 EQL WGT | 25459Y207 |  | 5563447 | 56591 | SH |  | SOLE |  | 0 | 0 | 56591 |
| INNOVATOR ETFS TRUST | US SML CP PWR B | 45782C474 |  | 5884360 | 157000 | SH |  | SOLE |  | 0 | 0 | 157000 |
| EXCHANGE TRADED CONCEPTS TRU | ROBO GLB ARTIF | 301505731 |  | 7730415 | 140553 | SH |  | SOLE |  | 0 | 0 | 140553 |
| INVESCO EXCHANGE TRADED FD T | AI AND NEXT GEN | 46137V639 |  | 8076639 | 164343 | SH |  | SOLE |  | 0 | 0 | 164343 |
| VANGUARD INDEX FDS | GROWTH ETF | 922908736 |  | 10947287 | 24971 | SH |  | SOLE |  | 0 | 0 | 24971 |
| INNOVATOR ETFS TRUST | US EQTY BUFR FEB | 45782C433 |  | 16472412 | 368923 | SH |  | SOLE |  | 0 | 0 | 368923 |
| VANECK ETF TRUST | MRNGSTR WDE MOAT | 92189F643 |  | 19827394 | 211402 | SH |  | SOLE |  | 0 | 0 | 211402 |
| SPDR SERIES TRUST | BLOOMBERG 1-3 MO | 78468R663 |  | 21469655 | 234053 | SH |  | SOLE |  | 0 | 0 | 234053 |
| SELECT SECTOR SPDR TR | SBI INT-UTILS | 81369Y886 |  | 22527871 | 275874 | SH |  | SOLE |  | 0 | 0 | 275874 |
| INNOVATOR ETFS TRUST | US EQTY PWR BUF | 45782C748 |  | 24793382 | 623576 | SH |  | SOLE |  | 0 | 0 | 623576 |
| ISHARES TR | MSCI USA MIN VOL | 46429B697 |  | 25375408 | 270325 | SH |  | SOLE |  | 0 | 0 | 270325 |
| ISHARES TR | S 500 VAL ETF | 464287408 |  | 29738583 | 152178 | SH |  | SOLE |  | 0 | 0 | 152178 |
| ISHARES TR | RUS 1000 GRW ETF | 464287614 |  | 41345096 | 97379 | SH |  | SOLE |  | 0 | 0 | 97379 |
| SPDR SERIES TRUST | BLOOMBERG SHT TE | 78468R408 |  | 41599037 | 1632615 | SH |  | SOLE |  | 0 | 0 | 1632615 |
| INVESCO EXCHANGE TRADED FD T | S EQL WGT | 46137V357 |  | 44952844 | 247347 | SH |  | SOLE |  | 0 | 0 | 247347 |
| VANGUARD SPECIALIZED FUNDS | DIV APP ETF | 921908844 |  | 58113110 | 283936 | SH |  | SOLE |  | 0 | 0 | 283936 |
| INNOVATOR ETFS TRUST | US SMALL CAP PWR | 45783Y137 |  | 60502812 | 2434662 | SH |  | SOLE |  | 0 | 0 | 2434662 |
| VANGUARD BD INDEX FDS | SHORT TRM BOND | 921937827 |  | 62197586 | 790312 | SH |  | SOLE |  | 0 | 0 | 790312 |
| INVESCO QQQ TR | UNIT SER 1 | 46090E103 |  | 72077400 | 130660 | SH |  | SOLE |  | 0 | 0 | 130660 |
| SPDR DOW JONES INDL AVERAGE | UT SER 1 | 78467X109 |  | 79620159 | 180688 | SH |  | SOLE |  | 0 | 0 | 180688 |
| SPDR S 500 ETF TR | TR UNIT | 78462F103 |  | 212357731 | 343704 | SH |  | SOLE |  | 0 | 0 | 343704 |

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