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      <None>30295</None>
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      <None>1400</None>
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      <None>181486</None>
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    <nameOfIssuer>BUSINESS FIRST BANCSHARES IN COM</nameOfIssuer>
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      <None>7052</None>
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      <None>1672</None>
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      <None>4366</None>
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    <nameOfIssuer>C H ROBINSON WORLDWIDE IN COM NEW</nameOfIssuer>
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      <None>5796</None>
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    <nameOfIssuer>CADENCE DESIGN SYSTEM INC COM</nameOfIssuer>
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    <nameOfIssuer>CALAMOS CONV &amp; HIGH INCOME F COM SHS</nameOfIssuer>
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      <None>13406</None>
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      <None>9155</None>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>566</None>
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    <nameOfIssuer>CORTEVA INC COM</nameOfIssuer>
    <titleOfClass>Stock</titleOfClass>
    <cusip>22052L104</cusip>
    <value>736305</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9482</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>9482</None>
    </votingAuthority>
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    <nameOfIssuer>COSTCO WHOLESALE CORPORATION COM</nameOfIssuer>
    <titleOfClass>Stock</titleOfClass>
    <cusip>22160K105</cusip>
    <value>38811740</value>
    <shrsOrPrnAmt>
      <sshPrnamt>42634</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>42634</None>
    </votingAuthority>
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    <nameOfIssuer>CROWDSTRIKE HLDGS INC CL A</nameOfIssuer>
    <titleOfClass>Stock</titleOfClass>
    <cusip>22788C105</cusip>
    <value>13304291</value>
    <shrsOrPrnAmt>
      <sshPrnamt>50252</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>50252</None>
    </votingAuthority>
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    <nameOfIssuer>CULLEN FROST BANKERS INC COM</nameOfIssuer>
    <titleOfClass>Stock</titleOfClass>
    <cusip>229899109</cusip>
    <value>762599</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4995</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>4995</None>
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    <nameOfIssuer>CUMMINS INC COM</nameOfIssuer>
    <titleOfClass>Stock</titleOfClass>
    <cusip>231021106</cusip>
    <value>5177235</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10022</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>10022</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>DBX ETF TR XTRACKERS MSCI</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>233051150</cusip>
    <value>1951140</value>
    <shrsOrPrnAmt>
      <sshPrnamt>27369</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>27369</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>DBX ETF TR XTRACK MSCI EAFE</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>233051200</cusip>
    <value>7037483</value>
    <shrsOrPrnAmt>
      <sshPrnamt>128071</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>128071</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>DBX ETF TR BLOOMBERG DEVLPD</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>233051218</cusip>
    <value>962786</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25450</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>25450</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>DNP SELECT INCOME FD INC COM</nameOfIssuer>
    <titleOfClass>Stock</titleOfClass>
    <cusip>23325P104</cusip>
    <value>219581</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22945</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>22945</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>D R HORTON INC COM</nameOfIssuer>
    <titleOfClass>Stock</titleOfClass>
    <cusip>23331A109</cusip>
    <value>616548</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4512</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>4512</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>DTE ENERGY CO COM</nameOfIssuer>
    <titleOfClass>Stock</titleOfClass>
    <cusip>233331107</cusip>
    <value>282956</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2323</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2323</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>DAKTRONICS INC COM</nameOfIssuer>
    <titleOfClass>Stock</titleOfClass>
    <cusip>234264109</cusip>
    <value>908228</value>
    <shrsOrPrnAmt>
      <sshPrnamt>52227</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>52227</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>DANAHER CORP DEL COM</nameOfIssuer>
    <titleOfClass>Stock</titleOfClass>
    <cusip>235851102</cusip>
    <value>2038922</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9203</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>9203</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>DARDEN RESTAURANTS INC COM</nameOfIssuer>
    <titleOfClass>Stock</titleOfClass>
    <cusip>237194105</cusip>
    <value>759421</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3930</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>3930</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>DATADOG INC CL A COM</nameOfIssuer>
    <titleOfClass>Stock</titleOfClass>
    <cusip>23804L103</cusip>
    <value>483827</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1767</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1767</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>DEERE &amp; CO COM</nameOfIssuer>
    <titleOfClass>Stock</titleOfClass>
    <cusip>244199105</cusip>
    <value>11906947</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17731</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>17731</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>DELL TECHNOLOGIES INC CL C</nameOfIssuer>
    <titleOfClass>Stock</titleOfClass>
    <cusip>24703L202</cusip>
    <value>12034408</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22371</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>22371</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DELTA AIR LINES INC COM NEW</nameOfIssuer>
    <titleOfClass>Stock</titleOfClass>
    <cusip>247361702</cusip>
    <value>1679073</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20118</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>20118</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DESTRA MULTI-ALTERNATIVE FD COMMON SHARES</nameOfIssuer>
    <titleOfClass>Stock</titleOfClass>
    <cusip>25065A502</cusip>
    <value>86800</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11512</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>11512</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DEVON ENERGY CORP NEW COM</nameOfIssuer>
    <titleOfClass>Stock</titleOfClass>
    <cusip>25179M103</cusip>
    <value>1229938</value>
    <shrsOrPrnAmt>
      <sshPrnamt>26715</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>26715</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DFA INVT DIMENSIONS GROUP IN REAL ESTATE SECU</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>25239Y147</cusip>
    <value>554134</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22936</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>22936</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DFA INVT DIMENSIONS GROUP IN U.S. HIGH RELATI</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>25239Y196</cusip>
    <value>997416</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23799</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>23799</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>DIAGEO PLC SPON ADR NEW</nameOfIssuer>
    <titleOfClass>ADR</titleOfClass>
    <cusip>25243Q205</cusip>
    <value>1055927</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12336</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>12336</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DIAMONDBACK ENERGY INC COM</nameOfIssuer>
    <titleOfClass>Stock</titleOfClass>
    <cusip>25278X109</cusip>
    <value>827087</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>4500</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DICKS SPORTING GOODS INC COM</nameOfIssuer>
    <titleOfClass>Stock</titleOfClass>
    <cusip>253393102</cusip>
    <value>735977</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5481</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>5481</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DIGITAL RLTY TR INC COM</nameOfIssuer>
    <titleOfClass>Stock</titleOfClass>
    <cusip>253868103</cusip>
    <value>597294</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3403</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>3403</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DIMENSIONAL ETF TRUST EMGR CRE EQT MNG</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>25434V302</cusip>
    <value>31825674</value>
    <shrsOrPrnAmt>
      <sshPrnamt>809608</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>809608</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DIMENSIONAL ETF TRUST US EQUI MARK ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>25434V401</cusip>
    <value>1777880</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21413</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>21413</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DIMENSIONAL ETF TRUST US SMALL CAP ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>25434V500</cusip>
    <value>305422</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3945</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>3945</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DIMENSIONAL ETF TRUST GLOB CO PLUS ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>25434V583</cusip>
    <value>1419605</value>
    <shrsOrPrnAmt>
      <sshPrnamt>27339</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>27339</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DIMENSIONAL ETF TRUST ULTR FIX INC ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>25434V591</cusip>
    <value>2213532</value>
    <shrsOrPrnAmt>
      <sshPrnamt>43841</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>43841</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DIMENSIONAL ETF TRUST US TARGETED VLU</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>25434V609</cusip>
    <value>1116418</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16803</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>16803</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DIMENSIONAL ETF TRUST US COR EQU 2 ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>25434V708</cusip>
    <value>17574033</value>
    <shrsOrPrnAmt>
      <sshPrnamt>395366</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>395366</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DIMENSIONAL ETF TRUST US SUSTAINABILTY</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>25434V716</cusip>
    <value>370190</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7848</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>7848</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DIMENSIONAL ETF TRUST US MKTWIDE VALUE</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>25434V724</cusip>
    <value>1810333</value>
    <shrsOrPrnAmt>
      <sshPrnamt>32915</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>32915</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DIMENSIONAL ETF TRUST EMERGING MKTS CO</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>25434V732</cusip>
    <value>431518</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10864</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>10864</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DIMENSIONAL ETF TRUST INTL CORE EQUITY</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>25434V799</cusip>
    <value>2926961</value>
    <shrsOrPrnAmt>
      <sshPrnamt>77824</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>77824</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DIMENSIONAL ETF TRUST WORLD EX US CORE</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>25434V880</cusip>
    <value>560270</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15134</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>15134</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DIREXION SHARES ETF TRUST DAI SEM BUL ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>25459W458</cusip>
    <value>1367039</value>
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      <sshPrnamt>9245</sshPrnamt>
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      <Shared>0</Shared>
      <None>12642</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST CTZNS BANCSHARES INC D CL A</nameOfIssuer>
    <titleOfClass>Stock</titleOfClass>
    <cusip>31946M103</cusip>
    <value>224576</value>
    <shrsOrPrnAmt>
      <sshPrnamt>109</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>109</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST FINL BANKSHARES INC COM</nameOfIssuer>
    <titleOfClass>Stock</titleOfClass>
    <cusip>32020R109</cusip>
    <value>2372787</value>
    <shrsOrPrnAmt>
      <sshPrnamt>74757</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>74757</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST SOLAR INC COM</nameOfIssuer>
    <titleOfClass>Stock</titleOfClass>
    <cusip>336433107</cusip>
    <value>860911</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4915</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>4915</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD US EQTY OPPT ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>336920103</cusip>
    <value>219874</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1234</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1234</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD WTR ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>33733B100</cusip>
    <value>1439082</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13867</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>13867</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD VEST LAD AUT ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>33733E641</cusip>
    <value>879341</value>
    <shrsOrPrnAmt>
      <sshPrnamt>42728</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>42728</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD VEST LADDERED</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>33733E690</cusip>
    <value>17726475</value>
    <shrsOrPrnAmt>
      <sshPrnamt>849783</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>849783</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD FT VEST GOLD</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>33733E856</cusip>
    <value>602835</value>
    <shrsOrPrnAmt>
      <sshPrnamt>29667</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>29667</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD FINLS ALPHADEX</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>33734X135</cusip>
    <value>312188</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5150</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>5150</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD INDLS PROD DUR</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>33734X150</cusip>
    <value>235886</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2896</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2896</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD TECH ALPHADEX</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>33734X176</cusip>
    <value>703443</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3183</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>3183</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD CLOUD COMPUTING</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>33734X192</cusip>
    <value>384903</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2347</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2347</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD NASDAQ CYB ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>33734X846</cusip>
    <value>4545098</value>
    <shrsOrPrnAmt>
      <sshPrnamt>44089</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>44089</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD NASDQ CLN EDGE</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>33737A108</cusip>
    <value>14307182</value>
    <shrsOrPrnAmt>
      <sshPrnamt>80781</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>80781</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD NO AMER ENERGY</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>33738D101</cusip>
    <value>4971917</value>
    <shrsOrPrnAmt>
      <sshPrnamt>121296</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>121296</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD EIP PWR SOLU ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>33738D705</cusip>
    <value>251835</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7335</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>7335</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD CORE INVESTMENT</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>33738D788</cusip>
    <value>3456662</value>
    <shrsOrPrnAmt>
      <sshPrnamt>175110</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>175110</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD FT VEST TEC</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>33738D812</cusip>
    <value>210935</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6853</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>6853</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD FT VEST RIS</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>33738D879</cusip>
    <value>11271669</value>
    <shrsOrPrnAmt>
      <sshPrnamt>404292</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>404292</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE TRADED FD RISNG DIVD ACHIV</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>33738R506</cusip>
    <value>920713</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11760</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>11760</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE TRADED FD RBA INDL ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>33738R704</cusip>
    <value>234476</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2271</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2271</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCH TRADED FD III PFD SECS INC ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>33739E108</cusip>
    <value>238365</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13980</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>13980</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCH TRADED FD III SHRT DUR MNG MUN</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>33739P830</cusip>
    <value>207564</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10666</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>10666</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD FST LOW OPPT EFT</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>33739Q200</cusip>
    <value>1774625</value>
    <shrsOrPrnAmt>
      <sshPrnamt>36620</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>36620</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD FIRST TR ENH NEW</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>33739Q408</cusip>
    <value>832170</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13984</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>13984</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD FT VEST S&amp;P 500</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>33739Q705</cusip>
    <value>570744</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11856</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>11856</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHNG TRADED FD VI FT VEST US</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>33740F631</cusip>
    <value>431978</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9256</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>9256</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHNG TRADED FD VI FT VEST UQ EQT</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>33740F672</cusip>
    <value>538827</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11215</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>11215</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHNG TRADED FD VI FT VEST US EQT</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>33740F680</cusip>
    <value>328082</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6713</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>6713</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHNG TRADED FD VI FT VEST US EQT</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>33740F698</cusip>
    <value>285435</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5576</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>5576</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHNG TRADED FD VI FT VEST US EQT</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>33740F730</cusip>
    <value>831777</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17346</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>17346</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHNG TRADED FD VI FT LADD BUFF ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>33740F755</cusip>
    <value>30326855</value>
    <shrsOrPrnAmt>
      <sshPrnamt>809364</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>809364</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHNG TRADED FD VI FT VEST US</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>33740F771</cusip>
    <value>294745</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5711</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>5711</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHNG TRADED FD VI FT VEST US EQT</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>33740F839</cusip>
    <value>210718</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3999</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>3999</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHNG TRADED FD VI FT VEST U.S.</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>33740U406</cusip>
    <value>327971</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6750</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>6750</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHNG TRADED FD VI FT VEST US EQUIT</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>33740U539</cusip>
    <value>216608</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5820</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>5820</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHNG TRADED FD VI FT VEST US EQT</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>33740U679</cusip>
    <value>472532</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11583</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>11583</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHNG TRADED FD VI FT VEST DEEP ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>33740U703</cusip>
    <value>41558569</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1368409</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1368409</None>
    </votingAuthority>
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  <infoTable>
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      <sshPrnamt>757</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>757</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>IRON MTN INC DEL COM</nameOfIssuer>
    <titleOfClass>Stock</titleOfClass>
    <cusip>46284V101</cusip>
    <value>843178</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>7600</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES GOLD TR ISHARES NEW</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464285204</cusip>
    <value>24355747</value>
    <shrsOrPrnAmt>
      <sshPrnamt>311853</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>311853</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES INC MSCI FRANCE ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464286707</cusip>
    <value>215280</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5054</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>5054</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES INC MSCI SWITZERLAND</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464286749</cusip>
    <value>249972</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4226</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>4226</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES INC MSCI STH KOR ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464286772</cusip>
    <value>275084</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1505</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1505</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES TR S&amp;P 100 ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464287101</cusip>
    <value>1846211</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4832</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>4832</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES TR MORNINGSTAR GRWT</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464287119</cusip>
    <value>14663183</value>
    <shrsOrPrnAmt>
      <sshPrnamt>125358</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>125358</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES TR CORE S&amp;P TTL STK</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464287150</cusip>
    <value>247559919</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1488814</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1488814</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES TR SELECT DIVID ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464287168</cusip>
    <value>7163697</value>
    <shrsOrPrnAmt>
      <sshPrnamt>47108</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>47108</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR TIPS BD ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464287176</cusip>
    <value>27823058</value>
    <shrsOrPrnAmt>
      <sshPrnamt>267427</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>267427</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES TR CORE S&amp;P500 ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464287200</cusip>
    <value>710336743</value>
    <shrsOrPrnAmt>
      <sshPrnamt>927514</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>927514</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES TR CORE US AGGBD ET</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464287226</cusip>
    <value>380192820</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4021502</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>4021502</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES TR MSCI EMG MKT ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464287234</cusip>
    <value>491959</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7366</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>7366</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES TR IBOXX INV CP ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464287242</cusip>
    <value>1108346</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10847</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>10847</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR S&amp;P 500 GRWT ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464287309</cusip>
    <value>12217204</value>
    <shrsOrPrnAmt>
      <sshPrnamt>85879</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>85879</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR S&amp;P 500 VAL ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464287408</cusip>
    <value>3980301</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17436</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>17436</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR 20 YR TR BD ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464287432</cusip>
    <value>477037</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6133</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>6133</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR 7-10 YR TRSY BD</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464287440</cusip>
    <value>9595417</value>
    <shrsOrPrnAmt>
      <sshPrnamt>107439</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>107439</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR 1 3 YR TREAS BD</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464287457</cusip>
    <value>362008</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4458</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>4458</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR MSCI EAFE ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464287465</cusip>
    <value>3475479</value>
    <shrsOrPrnAmt>
      <sshPrnamt>33453</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>33453</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR MSCI EAFE ETF</nameOfIssuer>
    <titleOfClass>Option</titleOfClass>
    <cusip>464287465</cusip>
    <value>97083</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <putCall>Call</putCall>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>16100</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR RUS MDCP VAL ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464287473</cusip>
    <value>1757050</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10931</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>10931</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR RUS MD CP GR ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464287481</cusip>
    <value>1425408</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10353</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>10353</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR RUS MID CAP ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464287499</cusip>
    <value>14180919</value>
    <shrsOrPrnAmt>
      <sshPrnamt>132892</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>132892</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR CORE S&amp;P MCP ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464287507</cusip>
    <value>68558077</value>
    <shrsOrPrnAmt>
      <sshPrnamt>952857</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>952857</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR EXPANDED TECH</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464287515</cusip>
    <value>1224126</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11496</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>11496</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR ISHARES SEMICDTR</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464287523</cusip>
    <value>4790313</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8424</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>8424</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR ISHARES BIOTECH</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464287556</cusip>
    <value>710656</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3376</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>3376</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR US CONSUM DISCRE</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464287580</cusip>
    <value>297021</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3134</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>3134</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR RUS 1000 VAL ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464287598</cusip>
    <value>6807947</value>
    <shrsOrPrnAmt>
      <sshPrnamt>27459</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>27459</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR S&amp;P MC 400GR ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464287606</cusip>
    <value>1018971</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9296</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>9296</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR RUS 1000 GRW ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464287614</cusip>
    <value>25346109</value>
    <shrsOrPrnAmt>
      <sshPrnamt>202348</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>202348</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR RUS 1000 ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464287622</cusip>
    <value>3496262</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8402</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>8402</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR RUS 2000 VAL ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464287630</cusip>
    <value>223306</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1066</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1066</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR RUS 2000 GRW ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464287648</cusip>
    <value>647430</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1814</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1814</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR RUSSELL 2000 ETF</nameOfIssuer>
    <titleOfClass>Option</titleOfClass>
    <cusip>464287655</cusip>
    <value>354</value>
    <shrsOrPrnAmt>
      <sshPrnamt>100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <putCall>Put</putCall>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>100</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR RUSSELL 2000 ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464287655</cusip>
    <value>8394708</value>
    <shrsOrPrnAmt>
      <sshPrnamt>30209</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>30209</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR CORE S&amp;P US VLU</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464287663</cusip>
    <value>696340</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6314</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>6314</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR CORE S&amp;P US GWT</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464287671</cusip>
    <value>379892</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1961</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1961</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR RUSSELL 3000 ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464287689</cusip>
    <value>5335295</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12360</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>12360</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR U.S. UTILITS ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464287697</cusip>
    <value>278339</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2760</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2760</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR S&amp;P MC 400VL ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464287705</cusip>
    <value>371806</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2700</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2700</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR U.S. TECH ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464287721</cusip>
    <value>13735267</value>
    <shrsOrPrnAmt>
      <sshPrnamt>51851</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>51851</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR US HLTHCARE ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464287762</cusip>
    <value>616027</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8609</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>8609</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR U.S. FIN SVC ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464287770</cusip>
    <value>210379</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2340</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2340</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR U.S. FINLS ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464287788</cusip>
    <value>767657</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6109</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>6109</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR U.S. ENERGY ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464287796</cusip>
    <value>240473</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3711</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>3711</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR CORE S&amp;P SCP ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464287804</cusip>
    <value>17297329</value>
    <shrsOrPrnAmt>
      <sshPrnamt>127149</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>127149</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR SP SMCP600VL ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464287879</cusip>
    <value>94114903</value>
    <shrsOrPrnAmt>
      <sshPrnamt>734699</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>734699</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR S&amp;P SML 600 GWT</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464287887</cusip>
    <value>1873650</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11686</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>11686</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR MORNINGSTAR VALU</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464288109</cusip>
    <value>3447173</value>
    <shrsOrPrnAmt>
      <sshPrnamt>32724</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>32724</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR SHRT NAT MUN ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464288158</cusip>
    <value>19906676</value>
    <shrsOrPrnAmt>
      <sshPrnamt>190422</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>190422</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES TR MSCI AC ASIA ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464288182</cusip>
    <value>680213</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5842</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>5842</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR MSCI ACWI EX US</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464288240</cusip>
    <value>1807378</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23901</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>23901</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR MSCI ACWI ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464288257</cusip>
    <value>1607187</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10123</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>10123</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR JPMORGAN USD EMG</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464288281</cusip>
    <value>343204</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3778</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>3778</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR CALIF MUN BD ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464288356</cusip>
    <value>4104515</value>
    <shrsOrPrnAmt>
      <sshPrnamt>75841</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>75841</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR MRGSTR MD CP VAL</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464288406</cusip>
    <value>486640</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5304</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>5304</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR NATIONAL MUN ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464288414</cusip>
    <value>69522498</value>
    <shrsOrPrnAmt>
      <sshPrnamt>687661</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>687661</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR INTL SEL DIV ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464288448</cusip>
    <value>914846</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21684</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>21684</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR IBOXX HI YD ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464288513</cusip>
    <value>2476578</value>
    <shrsOrPrnAmt>
      <sshPrnamt>32076</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>32076</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR CRE U S REIT ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464288521</cusip>
    <value>43299558</value>
    <shrsOrPrnAmt>
      <sshPrnamt>703143</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>703143</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR MBS ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464288588</cusip>
    <value>6707987</value>
    <shrsOrPrnAmt>
      <sshPrnamt>74849</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>74849</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR 1-10 YEAR U.S. A</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464288596</cusip>
    <value>1009857</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10153</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>10153</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR ISHS 5-10YR INVT</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464288638</cusip>
    <value>5470471</value>
    <shrsOrPrnAmt>
      <sshPrnamt>108649</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>108649</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR ISHS 1-5YR INVS</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464288646</cusip>
    <value>28869495</value>
    <shrsOrPrnAmt>
      <sshPrnamt>563527</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>563527</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR 10-20 YR TRS ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464288653</cusip>
    <value>423982</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>4600</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR TRUST ISHARE 0-1</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464288679</cusip>
    <value>8194771</value>
    <shrsOrPrnAmt>
      <sshPrnamt>74282</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>74282</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR PFD AND INCM SEC</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464288687</cusip>
    <value>1225850</value>
    <shrsOrPrnAmt>
      <sshPrnamt>41554</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>41554</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR GLOBAL MATER ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464288695</cusip>
    <value>404695</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3783</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>3783</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR US AER DEF ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464288760</cusip>
    <value>9976927</value>
    <shrsOrPrnAmt>
      <sshPrnamt>48156</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>48156</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR ESG OPTIMIZED</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464288802</cusip>
    <value>203864</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1310</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1310</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR EAFE VALUE ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464288877</cusip>
    <value>410080</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5182</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>5182</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR EAFE GRWTH ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464288885</cusip>
    <value>507210</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4233</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>4233</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR RUS TP200 GR ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464289438</cusip>
    <value>15320337</value>
    <shrsOrPrnAmt>
      <sshPrnamt>51949</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>51949</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR CORE 60 BALA ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464289867</cusip>
    <value>296102</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4321</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>4321</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES SILVER TR ISHARES</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>46428Q109</cusip>
    <value>2001070</value>
    <shrsOrPrnAmt>
      <sshPrnamt>36710</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>36710</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR US TREAS BD ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>46429B267</cusip>
    <value>23720122</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1084596</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1084596</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR FLTG RATE NT ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>46429B655</cusip>
    <value>962260</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18849</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>18849</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR CORE HIGH DV ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>46429B663</cusip>
    <value>648136</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23181</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>23181</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR MSCI EAFE MIN VL</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>46429B689</cusip>
    <value>1432861</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15725</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>15725</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR MSCI USA MIN ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>46429B697</cusip>
    <value>3433391</value>
    <shrsOrPrnAmt>
      <sshPrnamt>35236</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>35236</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR 0-5 YR TIPS ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>46429B747</cusip>
    <value>31809475</value>
    <shrsOrPrnAmt>
      <sshPrnamt>319052</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>319052</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR MSCI USA QLT FCT</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>46432F339</cusip>
    <value>96312675</value>
    <shrsOrPrnAmt>
      <sshPrnamt>433372</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>433372</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR MSCI USA MMENTM</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>46432F396</cusip>
    <value>16988532</value>
    <shrsOrPrnAmt>
      <sshPrnamt>53534</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>53534</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR CORE MSCI TOTAL</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>46432F834</cusip>
    <value>132110789</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1390786</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1390786</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR CORE MSCI EAFE</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>46432F842</cusip>
    <value>277045116</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2859673</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2859673</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR CORE 1 5 YR USD</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>46432F859</cusip>
    <value>203648</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4310</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>4310</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES INC CORE MSCI EMKT</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>46434G103</cusip>
    <value>104398475</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1286329</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1286329</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES INC MSCI EMRG CHN</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>46434G764</cusip>
    <value>980886</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9900</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>9900</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES INC MSCI GBL GOLD MN</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>46434G855</cusip>
    <value>244156</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3187</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>3187</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR U S EQUITY FACTR</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>46434V282</cusip>
    <value>310911</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3994</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>3994</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR FUTU EXPO TE ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>46434V381</cusip>
    <value>528959</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6342</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>6342</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR 0-5YR HI YL CP</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>46434V407</cusip>
    <value>1147095</value>
    <shrsOrPrnAmt>
      <sshPrnamt>27808</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>27808</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR MSCI INTL MOMENT</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>46434V449</cusip>
    <value>508353</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9659</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>9659</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR CORE UNIVRSL USD</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>46434V613</cusip>
    <value>78445899</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1779222</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1779222</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR CORE DIV GRWTH</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>46434V621</cusip>
    <value>1476173</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19580</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>19580</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR GLOBAL REIT ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>46434V647</cusip>
    <value>354449</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13749</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>13749</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR CORE MSCI PAC</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>46434V696</cusip>
    <value>6005701</value>
    <shrsOrPrnAmt>
      <sshPrnamt>70564</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>70564</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR CORE MSCI EURO</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>46434V738</cusip>
    <value>20236300</value>
    <shrsOrPrnAmt>
      <sshPrnamt>274577</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>274577</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR HDG MSCI EAFE</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>46434V803</cusip>
    <value>8954374</value>
    <shrsOrPrnAmt>
      <sshPrnamt>193024</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>193024</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR TRS FLT RT BD</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>46434V860</cusip>
    <value>717415</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14159</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>14159</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR ULTRA SHORT DUR</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>46434V878</cusip>
    <value>2805800</value>
    <shrsOrPrnAmt>
      <sshPrnamt>55671</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>55671</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR INVT GRAD SY ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>46435G219</cusip>
    <value>1451550</value>
    <shrsOrPrnAmt>
      <sshPrnamt>33923</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>33923</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR HIGH YLD SYSTM B</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>46435G250</cusip>
    <value>335271</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7457</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>7457</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR CORE MSCI INTL</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>46435G326</cusip>
    <value>411647</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>4600</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR MSCI INTL VLU FT</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>46435G409</cusip>
    <value>206258</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4809</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>4809</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR MSCI USA SMCP MN</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>46435G433</cusip>
    <value>675410</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15183</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>15183</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR FALN ANGLS USD</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>46435G474</cusip>
    <value>779413</value>
    <shrsOrPrnAmt>
      <sshPrnamt>30058</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>30058</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR INTL DIV GRWTH</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>46435G524</cusip>
    <value>4043553</value>
    <shrsOrPrnAmt>
      <sshPrnamt>45556</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>45556</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR CORE INTL AGGR</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>46435G672</cusip>
    <value>54888768</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1115625</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1115625</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR MSCI ACWI EXUS</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>46435G847</cusip>
    <value>666147</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14673</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>14673</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR IBONDS DEC2026</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>46435GAA0</cusip>
    <value>225871</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9318</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>9318</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR BROAD USD HIGH</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>46435U853</cusip>
    <value>40170191</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1124585</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1124585</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR IBONDS 27 ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>46435UAA9</cusip>
    <value>247273</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10252</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>10252</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR INVT GRD CORP BD</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>46436E288</cusip>
    <value>3552201</value>
    <shrsOrPrnAmt>
      <sshPrnamt>156278</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>156278</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR US TECH BRKTHR</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>46436E502</cusip>
    <value>463439</value>
    <shrsOrPrnAmt>
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      <None>11546</None>
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      <None>19769</None>
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      <None>8496</None>
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    <cusip>770700102</cusip>
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      <None>144253</None>
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    <cusip>77311W101</cusip>
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      <None>254357</None>
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      <None>153530</None>
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    <cusip>773903109</cusip>
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      <None>19477</None>
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      <None>3570</None>
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      <None>4400</None>
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    <nameOfIssuer>ROUNDHILL ETF TRUST MEMORY ETF</nameOfIssuer>
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    <cusip>77926X320</cusip>
    <value>3459111</value>
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      <sshPrnamt>57308</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
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      <None>57308</None>
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    <nameOfIssuer>ROYAL BK CDA COM</nameOfIssuer>
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    <value>1810902</value>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
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      <Shared>0</Shared>
      <None>9212</None>
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    <nameOfIssuer>SHELL PLC SPON ADS</nameOfIssuer>
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    <cusip>780259305</cusip>
    <value>1732710</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18229</sshPrnamt>
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      <None>18229</None>
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    <nameOfIssuer>ROYAL GOLD INC COM</nameOfIssuer>
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    <value>759538</value>
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      <None>3218</None>
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    <nameOfIssuer>SK HYNIX INC AMERICAN DEPOSIT</nameOfIssuer>
    <titleOfClass>ADR</titleOfClass>
    <cusip>78392B206</cusip>
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      <sshPrnamt>36802</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
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      <None>36802</None>
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    <nameOfIssuer>S&amp;P GLOBAL INC COM</nameOfIssuer>
    <titleOfClass>Stock</titleOfClass>
    <cusip>78409V104</cusip>
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    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>17361</None>
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    <nameOfIssuer>NEOS ETF TRUST NASDAQ 100 HDGD</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>78433H576</cusip>
    <value>407140</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7331</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>7331</None>
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    <nameOfIssuer>NEOS ETF TRUST NASDAQ 100 HIGH</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>78433H675</cusip>
    <value>252476</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4545</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>4545</None>
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    <nameOfIssuer>STATE STR SPDR S&amp;P 500 ETF T TR UNIT</nameOfIssuer>
    <titleOfClass>Option</titleOfClass>
    <cusip>78462F103</cusip>
    <value>1410</value>
    <shrsOrPrnAmt>
      <sshPrnamt>200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <putCall>Put</putCall>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>200</None>
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  <infoTable>
    <nameOfIssuer>STATE STR SPDR S&amp;P 500 ETF T TR UNIT</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>78462F103</cusip>
    <value>116508899</value>
    <shrsOrPrnAmt>
      <sshPrnamt>152773</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
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      <Shared>0</Shared>
      <None>152773</None>
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  <infoTable>
    <nameOfIssuer>STATE STR SPDR S&amp;P 500 ETF T TR UNIT</nameOfIssuer>
    <titleOfClass>Option</titleOfClass>
    <cusip>78462F103</cusip>
    <value>5760</value>
    <shrsOrPrnAmt>
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    <putCall>Put</putCall>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2400</None>
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  <infoTable>
    <nameOfIssuer>SPDR GOLD TR GOLD SHS</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>78463V107</cusip>
    <value>7364151</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19337</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>19337</None>
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  <infoTable>
    <nameOfIssuer>SPDR INDEX SHS FDS ST PORT MARK ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>78463X509</cusip>
    <value>3233995</value>
    <shrsOrPrnAmt>
      <sshPrnamt>62481</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>62481</None>
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  <infoTable>
    <nameOfIssuer>SPDR INDEX SHS FDS ST STR NAT ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>78463X541</cusip>
    <value>293647</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3970</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>3970</None>
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  <infoTable>
    <nameOfIssuer>SPDR INDEX SHS FDS ST STR PO EX ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>78463X889</cusip>
    <value>3446370</value>
    <shrsOrPrnAmt>
      <sshPrnamt>68639</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>68639</None>
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  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST ST STR SP600GRWO</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>78464A201</cusip>
    <value>1427103</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13341</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>13341</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST ST NUVE HIGH ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>78464A284</cusip>
    <value>2943786</value>
    <shrsOrPrnAmt>
      <sshPrnamt>125428</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>125428</None>
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  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST ST STR SP600SM C</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>78464A300</cusip>
    <value>241476</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2364</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2364</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST ST STR CONV ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>78464A359</cusip>
    <value>377744</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3733</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>3733</None>
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  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST ST STR BACKE ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>78464A383</cusip>
    <value>385674</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18244</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>18244</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST ST STR P500GRW</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>78464A409</cusip>
    <value>28107895</value>
    <shrsOrPrnAmt>
      <sshPrnamt>228371</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>228371</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST ST SHOR CORP ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>78464A474</cusip>
    <value>850243</value>
    <shrsOrPrnAmt>
      <sshPrnamt>28734</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>28734</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST ST STR P500VAL</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>78464A508</cusip>
    <value>4194367</value>
    <shrsOrPrnAmt>
      <sshPrnamt>68614</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>68614</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST ST INTL BBG ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>78464A516</cusip>
    <value>218789</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10330</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>10330</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST ST STR SP AERO</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>78464A631</cusip>
    <value>582580</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2519</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2519</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST ST LON TREAS ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>78464A664</cusip>
    <value>3429089</value>
    <shrsOrPrnAmt>
      <sshPrnamt>143777</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>143777</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST ST INTER ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>78464A672</cusip>
    <value>268263</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9834</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>9834</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST ST STR SP METAL</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>78464A755</cusip>
    <value>219888</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2123</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2123</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST ST STR SP DIV</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>78464A763</cusip>
    <value>3537319</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24149</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>24149</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST ST STR PR SP1500</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>78464A805</cusip>
    <value>556074</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6041</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>6041</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST ST STR P400MID</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>78464A847</cusip>
    <value>225360</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3575</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>3575</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST ST STR P500ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>78464A854</cusip>
    <value>12009766</value>
    <shrsOrPrnAmt>
      <sshPrnamt>133799</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>133799</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST ST STR SP SEMI</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>78464A862</cusip>
    <value>1621877</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3062</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>3062</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST ST STR SP BIOT</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>78464A870</cusip>
    <value>1248302</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7917</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>7917</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SSGA ACTIVE ETF TR ST STR TOTAL ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>78467V848</cusip>
    <value>4310525</value>
    <shrsOrPrnAmt>
      <sshPrnamt>115193</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>115193</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STATE STR SPDR DOW JONES IND UT SER 1</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>78467X109</cusip>
    <value>6174540</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12141</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>12141</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STATE STR SPDR S&amp;P MIDCAP 40 UTSER1 S&amp;PDCRP</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>78467Y107</cusip>
    <value>2823935</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>4300</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST ST SHO TREAS ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>78468R101</cusip>
    <value>2530142</value>
    <shrsOrPrnAmt>
      <sshPrnamt>88251</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>88251</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST ST STR RATE ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>78468R200</cusip>
    <value>13779154</value>
    <shrsOrPrnAmt>
      <sshPrnamt>446795</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>446795</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST SP O&amp;G EXPL PRO</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>78468R556</cusip>
    <value>209816</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1170</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1170</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST ST BLOO HIGH ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>78468R622</cusip>
    <value>5676115</value>
    <shrsOrPrnAmt>
      <sshPrnamt>61198</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>61198</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST SP KENSHO NEWEC</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>78468R648</cusip>
    <value>935747</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14082</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>14082</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST ST STR BLO 1 ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>78468R663</cusip>
    <value>3062237</value>
    <shrsOrPrnAmt>
      <sshPrnamt>33416</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>33416</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST ST NUVE TERM ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>78468R739</cusip>
    <value>8193459</value>
    <shrsOrPrnAmt>
      <sshPrnamt>175637</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>175637</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST ST STR R1K YLD</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>78468R770</cusip>
    <value>357429</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2908</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2908</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST ST STR SP600 SML</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>78468R853</cusip>
    <value>697127</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13188</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>13188</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SALESFORCE INC COM</nameOfIssuer>
    <titleOfClass>Stock</titleOfClass>
    <cusip>79466L302</cusip>
    <value>3595170</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15660</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>15660</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SANDISK CORP COM</nameOfIssuer>
    <titleOfClass>Stock</titleOfClass>
    <cusip>80004C200</cusip>
    <value>4254449</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2445</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2445</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SANOFI SA SPONSORED ADR</nameOfIssuer>
    <titleOfClass>ADR</titleOfClass>
    <cusip>80105N105</cusip>
    <value>306875</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7443</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>7443</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SAP SE SPON ADR</nameOfIssuer>
    <titleOfClass>ADR</titleOfClass>
    <cusip>803054204</cusip>
    <value>1788400</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8578</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>8578</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SLB LIMITED COM STK</nameOfIssuer>
    <titleOfClass>Stock</titleOfClass>
    <cusip>806857108</cusip>
    <value>474136</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9732</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>9732</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHARLES SCHWAB CORP (THE) COM</nameOfIssuer>
    <titleOfClass>Stock</titleOfClass>
    <cusip>808513105</cusip>
    <value>1746980</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17874</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>17874</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR US BRD MKT ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>808524102</cusip>
    <value>11065975</value>
    <shrsOrPrnAmt>
      <sshPrnamt>377549</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>377549</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR US LRG CAP ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>808524201</cusip>
    <value>246544185</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8218139</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>8218139</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR US LCAP GR ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>808524300</cusip>
    <value>70846828</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1971802</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1971802</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR US LCAP VA ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>808524409</cusip>
    <value>21117868</value>
    <shrsOrPrnAmt>
      <sshPrnamt>633980</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>633980</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR US MID-CAP ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>808524508</cusip>
    <value>59126386</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1737989</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1737989</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR US SML CAP ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>808524607</cusip>
    <value>14922644</value>
    <shrsOrPrnAmt>
      <sshPrnamt>457329</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>457329</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR EMRG MKTEQ ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>808524706</cusip>
    <value>10786364</value>
    <shrsOrPrnAmt>
      <sshPrnamt>295922</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>295922</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR 1000 INDEX ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>808524722</cusip>
    <value>855938</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23348</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>23348</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR FUNDAMENTAL US L</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>808524771</cusip>
    <value>598005</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19002</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>19002</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR US DIVIDEND EQ</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>808524797</cusip>
    <value>3711401</value>
    <shrsOrPrnAmt>
      <sshPrnamt>114092</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>114092</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR INTL EQTY ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>808524805</cusip>
    <value>114390267</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4164189</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>4164189</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR US AGGREGATE B</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>808524839</cusip>
    <value>799885</value>
    <shrsOrPrnAmt>
      <sshPrnamt>36194</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>36194</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR SHT TM US TRES</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>808524862</cusip>
    <value>2222605</value>
    <shrsOrPrnAmt>
      <sshPrnamt>93152</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>93152</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR US TIPS ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>808524870</cusip>
    <value>59161935</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2354235</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2354235</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR INTL SCEQT ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>808524888</cusip>
    <value>7055481</value>
    <shrsOrPrnAmt>
      <sshPrnamt>141847</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>141847</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SEA LTD SPONSORD ADS</nameOfIssuer>
    <titleOfClass>ADR</titleOfClass>
    <cusip>81141R100</cusip>
    <value>255667</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2626</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2626</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR ST STR MATER ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>81369Y100</cusip>
    <value>217738</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4471</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>4471</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR ST STR CARE ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>81369Y209</cusip>
    <value>5759415</value>
    <shrsOrPrnAmt>
      <sshPrnamt>34197</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>34197</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR ST STR STAPL ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>81369Y308</cusip>
    <value>5119207</value>
    <shrsOrPrnAmt>
      <sshPrnamt>63514</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>63514</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR ST STR DISCR ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>81369Y407</cusip>
    <value>1236581</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11361</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>11361</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR ST STR ENERG ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>81369Y506</cusip>
    <value>6085448</value>
    <shrsOrPrnAmt>
      <sshPrnamt>98950</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>98950</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR ST STR FINL ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>81369Y605</cusip>
    <value>1675023</value>
    <shrsOrPrnAmt>
      <sshPrnamt>31367</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>31367</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR ST STR INDL ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>81369Y704</cusip>
    <value>4309649</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25809</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>25809</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR ST STR TECHN ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>81369Y803</cusip>
    <value>18194744</value>
    <shrsOrPrnAmt>
      <sshPrnamt>92949</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>92949</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR ST STR SVC ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>81369Y852</cusip>
    <value>3369690</value>
    <shrsOrPrnAmt>
      <sshPrnamt>30366</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>30366</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR ST STR UTIL ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>81369Y886</cusip>
    <value>3246635</value>
    <shrsOrPrnAmt>
      <sshPrnamt>82318</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>82318</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR ST STR UTIL ETF</nameOfIssuer>
    <titleOfClass>Option</titleOfClass>
    <cusip>81369Y886</cusip>
    <value>204</value>
    <shrsOrPrnAmt>
      <sshPrnamt>200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <putCall>Call</putCall>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>200</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SEMPRA COM</nameOfIssuer>
    <titleOfClass>Stock</titleOfClass>
    <cusip>816851109</cusip>
    <value>1076357</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13807</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>13807</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SERVICENOW INC COM</nameOfIssuer>
    <titleOfClass>Stock</titleOfClass>
    <cusip>81762P102</cusip>
    <value>12037174</value>
    <shrsOrPrnAmt>
      <sshPrnamt>89823</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>89823</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SHERWIN WILLIAMS CO COM</nameOfIssuer>
    <titleOfClass>Stock</titleOfClass>
    <cusip>824348106</cusip>
    <value>1506107</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4659</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>4659</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SHINHAN FINANCIAL GROUP CO L SPN ADR RESTRD</nameOfIssuer>
    <titleOfClass>ADR</titleOfClass>
    <cusip>824596100</cusip>
    <value>219008</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2820</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2820</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SHOPIFY INC CL A SUB VTG SHS</nameOfIssuer>
    <titleOfClass>ADR</titleOfClass>
    <cusip>82509L107</cusip>
    <value>3448127</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23251</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>23251</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SIMON PPTY GROUP INC NEW COM</nameOfIssuer>
    <titleOfClass>Stock</titleOfClass>
    <cusip>828806109</cusip>
    <value>678144</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3378</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>3378</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SKYWORKS SOLUTIONS INC COM</nameOfIssuer>
    <titleOfClass>Stock</titleOfClass>
    <cusip>83088M102</cusip>
    <value>760187</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8893</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>8893</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SMARTSTOP SELF STORAG REIT I COMMON STOCK</nameOfIssuer>
    <titleOfClass>Stock</titleOfClass>
    <cusip>83192D402</cusip>
    <value>1951722</value>
    <shrsOrPrnAmt>
      <sshPrnamt>60612</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>60612</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SNAP ON INC COM</nameOfIssuer>
    <titleOfClass>Stock</titleOfClass>
    <cusip>833034101</cusip>
    <value>909420</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2503</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2503</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SNOWFLAKE INC COM SHS</nameOfIssuer>
    <titleOfClass>Stock</titleOfClass>
    <cusip>833445109</cusip>
    <value>1948684</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5739</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>5739</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SOFI TECHNOLOGIES INC COM</nameOfIssuer>
    <titleOfClass>Stock</titleOfClass>
    <cusip>83406F102</cusip>
    <value>477699</value>
    <shrsOrPrnAmt>
      <sshPrnamt>30388</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>30388</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SOLVENTUM CORP COM SHS</nameOfIssuer>
    <titleOfClass>Stock</titleOfClass>
    <cusip>83444M101</cusip>
    <value>535798</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6078</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>6078</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SONY GROUP CORP SPONSORED ADR</nameOfIssuer>
    <titleOfClass>ADR</titleOfClass>
    <cusip>835699307</cusip>
    <value>416936</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17719</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>17719</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SOUTHERN CO COM</nameOfIssuer>
    <titleOfClass>Stock</titleOfClass>
    <cusip>842587107</cusip>
    <value>4755807</value>
    <shrsOrPrnAmt>
      <sshPrnamt>57375</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>57375</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SOUTHERN COPPER CORP COM</nameOfIssuer>
    <titleOfClass>Stock</titleOfClass>
    <cusip>84265V105</cusip>
    <value>1942861</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9588</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>9588</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SOUTHWEST AIRLS CO COM</nameOfIssuer>
    <titleOfClass>Stock</titleOfClass>
    <cusip>844741108</cusip>
    <value>824693</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19805</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>19805</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPACE EXPLORATION TECHN CORP CLASS A COM STK</nameOfIssuer>
    <titleOfClass>Stock</titleOfClass>
    <cusip>84615Q103</cusip>
    <value>13058062</value>
    <shrsOrPrnAmt>
      <sshPrnamt>86557</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>86557</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPACE EXPLORATION TECHN CORP CLASS A COM STK</nameOfIssuer>
    <titleOfClass>Option</titleOfClass>
    <cusip>84615Q103</cusip>
    <value>698936</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <putCall>Call</putCall>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>19600</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPACE EXPLORATION TECHN CORP CLASS A COM STK</nameOfIssuer>
    <titleOfClass>Option</titleOfClass>
    <cusip>84615Q103</cusip>
    <value>145805</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <putCall>Call</putCall>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>12100</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPACE EXPLORATION TECHN CORP CLASS A COM STK</nameOfIssuer>
    <titleOfClass>Option</titleOfClass>
    <cusip>84615Q103</cusip>
    <value>77700</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <putCall>Call</putCall>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1000</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPROTT ASSET MANAGEMENT LP PHYSICAL GOLD TR</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>85207H104</cusip>
    <value>498350</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15937</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>15937</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPROTT ASSET MANAGEMENT LP PHYSICAL GOLD AN</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>85208R101</cusip>
    <value>433678</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10440</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>10440</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BLOCK INC CL A</nameOfIssuer>
    <titleOfClass>Stock</titleOfClass>
    <cusip>852234103</cusip>
    <value>212136</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2885</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2885</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STARBOARD INVT TR ADAPTIVE ALPHA</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>85521B742</cusip>
    <value>722564</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21658</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>21658</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STARBOARD INVT TR RH TACT OUTL ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>85521B759</cusip>
    <value>1386220</value>
    <shrsOrPrnAmt>
      <sshPrnamt>70278</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>70278</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STARBOARD INVT TR RH TACTICAL ROT</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>85521B775</cusip>
    <value>517706</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24113</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>24113</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STARBUCKS CORP COM</nameOfIssuer>
    <titleOfClass>Stock</titleOfClass>
    <cusip>855244109</cusip>
    <value>3303922</value>
    <shrsOrPrnAmt>
      <sshPrnamt>35163</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>35163</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STATE STR CORP COM</nameOfIssuer>
    <titleOfClass>Stock</titleOfClass>
    <cusip>857477103</cusip>
    <value>548315</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3141</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>3141</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STEEL DYNAMICS INC COM</nameOfIssuer>
    <titleOfClass>Stock</titleOfClass>
    <cusip>858119100</cusip>
    <value>919203</value>
    <shrsOrPrnAmt>
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    <nameOfIssuer>VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>921943858</cusip>
    <value>13799413</value>
    <shrsOrPrnAmt>
      <sshPrnamt>195431</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>195431</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WHITEHALL FDS HIGH DIV YLD</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>921946406</cusip>
    <value>7440030</value>
    <shrsOrPrnAmt>
      <sshPrnamt>47938</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>47938</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WHITEHALL FDS INTL HIGH ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>921946794</cusip>
    <value>1965915</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19439</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>19439</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>VANGUARD WHITEHALL FDS INTL DVD ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>921946810</cusip>
    <value>1065596</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11286</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>11286</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD MALVERN FDS STRM INFPROIDX</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>922020805</cusip>
    <value>335181</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6810</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>6810</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD BD INDEX FDS VANGUARD ULTRA</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>92203C303</cusip>
    <value>1117701</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22557</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>22557</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD CHARLOTTE FDS TOTAL INT BD ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>92203J407</cusip>
    <value>67625224</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1442825</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1442825</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INTL EQUITY INDEX F GLB EX US ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>922042676</cusip>
    <value>769494</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18097</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>18097</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>922042718</cusip>
    <value>437691</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2819</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2819</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>922042742</cusip>
    <value>401483</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2543</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2543</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INTL EQUITY INDEX F ALLWRLD EX US</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>922042775</cusip>
    <value>968500</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11673</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>11673</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>922042858</cusip>
    <value>2539829</value>
    <shrsOrPrnAmt>
      <sshPrnamt>42823</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>42823</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INTL EQUITY INDEX F FTSE PACIFIC ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>922042866</cusip>
    <value>71710596</value>
    <shrsOrPrnAmt>
      <sshPrnamt>619209</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>619209</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>922042874</cusip>
    <value>96773985</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1114908</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1114908</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FD CONSUM DIS ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>92204A108</cusip>
    <value>776642</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2130</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2130</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FD CONSUM STP ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>92204A207</cusip>
    <value>1543419</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7073</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>7073</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FD ENERGY ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>92204A306</cusip>
    <value>973695</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5656</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>5656</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FD FINANCIALS ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>92204A405</cusip>
    <value>1184355</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9104</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>9104</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FD HEALTH CAR ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>92204A504</cusip>
    <value>1549529</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4902</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>4902</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FD INDUSTRIAL ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>92204A603</cusip>
    <value>1387480</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4329</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>4329</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FD INF TECH ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>92204A702</cusip>
    <value>8368427</value>
    <shrsOrPrnAmt>
      <sshPrnamt>66590</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>66590</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FD MATERIALS ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>92204A801</cusip>
    <value>495605</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2272</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2272</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FD UTILITIES ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>92204A876</cusip>
    <value>627626</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3670</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>3670</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FD COMM SRVC ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>92204A884</cusip>
    <value>1131210</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5935</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>5935</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS SHORT TERM TREAS</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>92206C102</cusip>
    <value>1624055</value>
    <shrsOrPrnAmt>
      <sshPrnamt>28215</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>28215</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>92206C409</cusip>
    <value>925943</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11986</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>11986</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS VNG RUS1000GRW</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>92206C680</cusip>
    <value>2926324</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22697</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>22697</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS INTER TERM TREAS</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>92206C706</cusip>
    <value>1992286</value>
    <shrsOrPrnAmt>
      <sshPrnamt>35162</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>35162</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>92206C771</cusip>
    <value>290440</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6540</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>6540</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS LG-TERM COR BD</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>92206C813</cusip>
    <value>1863269</value>
    <shrsOrPrnAmt>
      <sshPrnamt>27201</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>27201</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS LONG TERM TREAS</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>92206C847</cusip>
    <value>785694</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15670</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>15670</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS INT-TERM CORP</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>92206C870</cusip>
    <value>1132137</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14457</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>14457</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VENTAS INC COM</nameOfIssuer>
    <titleOfClass>Stock</titleOfClass>
    <cusip>92276F100</cusip>
    <value>257488</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3029</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>3029</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD MUN BD FDS TAX EXEMPT BD</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>922907746</cusip>
    <value>88028972</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1858720</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1858720</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS S&amp;P 500 ETF SHS</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>922908363</cusip>
    <value>129362206</value>
    <shrsOrPrnAmt>
      <sshPrnamt>184576</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>184576</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS MRNGSTR MD CP VA</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>922908512</cusip>
    <value>993002</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5079</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>5079</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS MRNGSTR MD CP GR</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>922908538</cusip>
    <value>425590</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1457</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1457</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS REAL ESTATE ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>922908553</cusip>
    <value>32176042</value>
    <shrsOrPrnAmt>
      <sshPrnamt>358987</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>358987</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS MRNGSTR SM CP GR</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>922908595</cusip>
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    <nameOfIssuer>VANGUARD INDEX FDS MRNGSTR SML CP V</nameOfIssuer>
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    <cusip>922908611</cusip>
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      <None>22002</None>
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    <nameOfIssuer>VANGUARD INDEX FDS MRNGSTR MID CAP</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>922908629</cusip>
    <value>7566216</value>
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      <None>96483</None>
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    <nameOfIssuer>VANGUARD INDEX FDS MRNGSTR LRG CAP</nameOfIssuer>
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    <cusip>922908637</cusip>
    <value>459885</value>
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      <None>1307</None>
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    <cusip>922908652</cusip>
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    <nameOfIssuer>VANGUARD INDEX FDS MRNGSTR GRWT ETF</nameOfIssuer>
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    <cusip>922908736</cusip>
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      <None>262296</None>
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    <cusip>922908744</cusip>
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      <None>639727</None>
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    <nameOfIssuer>VANGUARD INDEX FDS MRNGSTR SML CAP</nameOfIssuer>
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    <cusip>922908751</cusip>
    <value>5202803</value>
    <shrsOrPrnAmt>
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      <Sole>0</Sole>
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      <None>18288</None>
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    <nameOfIssuer>VANGUARD INDEX FDS MRNGSTR TTL STK</nameOfIssuer>
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    <cusip>922908769</cusip>
    <value>381016426</value>
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      <None>1018107</None>
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    <cusip>92333F101</cusip>
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      <None>22054</None>
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      <None>71833</None>
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      <None>3162</None>
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    <cusip>92536C202</cusip>
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      <None>10000</None>
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      <None>18978</None>
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      <None>11679</None>
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      <None>44593</None>
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    <nameOfIssuer>VICTORY PORTFOLIOS II SHS FR CA FL ETF</nameOfIssuer>
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    <cusip>92647X830</cusip>
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      <None>56728</None>
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      <None>6769</None>
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    <nameOfIssuer>VISA INC COM CL A</nameOfIssuer>
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    <cusip>92826C839</cusip>
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      <None>89909</None>
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    <nameOfIssuer>VISTRA CORP COM</nameOfIssuer>
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    <cusip>92840M102</cusip>
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      <None>4461</None>
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      <None>5705</None>
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      <None>5814</None>
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      <None>4051</None>
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      <None>559430</None>
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    <nameOfIssuer>WARNER BROS DISCOVERY INC COM SER A</nameOfIssuer>
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      <None>19486</None>
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    <cusip>94106B101</cusip>
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      <None>11724</None>
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    <nameOfIssuer>WASTE MGMT INC DEL COM</nameOfIssuer>
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      <None>21099</None>
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      <None>4129</None>
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    <nameOfIssuer>WELLS FARGO &amp; CO COM</nameOfIssuer>
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      <None>35507</None>
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      <None>7853</None>
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    <nameOfIssuer>WESTERN DIGITAL CORP COM</nameOfIssuer>
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      <None>5248</None>
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    <nameOfIssuer>WILLIAMS COS INC COM</nameOfIssuer>
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    <nameOfIssuer>WILLIAMS SONOMA INC COM</nameOfIssuer>
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      <None>2168</None>
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    <nameOfIssuer>WIPRO LTD SPON ADR 1 SH</nameOfIssuer>
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      <None>23284</None>
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    <nameOfIssuer>WISDOMTREE TR INTRST RATE HDGE</nameOfIssuer>
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      <None>537137</None>
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    <nameOfIssuer>WISDOMTREE TR HEDGED HI YLD BD</nameOfIssuer>
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      <None>541778</None>
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    <nameOfIssuer>WISDOMTREE TR US MIDCAP DIVID</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>97717W505</cusip>
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      <None>4463</None>
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    <nameOfIssuer>WISDOMTREE TR US LARGECAP FUND</nameOfIssuer>
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      <None>48000</None>
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    <nameOfIssuer>WISDOMTREE TR INTL QULTY DIV</nameOfIssuer>
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    <nameOfIssuer>WISDOMTREE TR US SHT TRM CORP</nameOfIssuer>
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