The Securities and Exchange Commission has not necessarily reviewed the information in this filing and has not determined if it is accurate and complete.
The reader should not assume that the information is accurate and complete.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F

FORM 13F INFORMATION TABLE
OMB APPROVAL
OMB Number: 3235-0006
Estimated average burden
hours per response: 23.8
COLUMN 1 COLUMN 2 COLUMN 3 COLUMN 4 COLUMN 5 COLUMN 6 COLUMN 7 COLUMN 8
VALUE SHRS OR SH/ PUT/ INVESTMENT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109 670 1,906 SH   SOLE 0 0 0 1,906
ISHARES TR CORE S&P MCP ETF 464287507 1,543 5,779 SH   SOLE 0 0 0 5,779
ISHARES TR CORE S&P SCP ETF 464287804 2,839 25,961 SH   SOLE 0 0 0 25,961
ISHARES TR S&P 500 VAL ETF 464287408 481 3,235 SH   SOLE 0 0 0 3,235
ISHARES TR CORE S&P500 ETF 464287200 3,789 8,554 SH   SOLE 0 0 0 8,554
ISHARES TR S&P 500 GRWT ETF 464287309 502 6,571 SH   SOLE 0 0 0 6,571
ISHARES TR RUSSELL 3000 ETF 464287689 287 1,098 SH   SOLE 0 0 0 1,098
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 308 632 SH   SOLE 0 0 0 632
SPDR S&P 500 ETF TR TR UNIT 78462F103 8,937 20,265 SH   SOLE 0 0 0 20,265
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886 2,531 38,501 SH   SOLE 0 0 0 38,501
AGILENT TECHNOLOGIES INC COM 00846U101 351 2,338 SH   SOLE 0 0 0 2,338
AMAZON COM INC COM 023135106 4,932 1,333 SH   SOLE 0 0 0 1,333
BRISTOL-MYERS SQUIBB CO COM 110122108 1,213 17,923 SH   SOLE 0 0 0 17,923
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 5,177 18,570 SH   SOLE 0 0 0 18,570
EMERSON ELEC CO COM 291011104 581 5,905 SH   SOLE 0 0 0 5,905
BOEING CO COM 097023105 1,108 4,906 SH   SOLE 0 0 0 4,906
HERSHEY CO COM 427866108 649 3,648 SH   SOLE 0 0 0 3,648
INVESCO QQQ TR UNIT SER 1 46090E103 7,808 21,190 SH   SOLE 0 0 0 21,190
AMGEN INC COM 031162100 432 1,762 SH   SOLE 0 0 0 1,762
ABBOTT LABS COM 002824100 1,668 13,955 SH   SOLE 0 0 0 13,955
ALTRIA GROUP INC COM 02209S103 719 15,110 SH   SOLE 0 0 0 15,110
FEDEX CORP COM 31428X106 1,254 4,216 SH   SOLE 0 0 0 4,216
GRAINGER W W INC COM 384802104 758 1,660 SH   SOLE 0 0 0 1,660
INTEL CORP COM 458140100 2,211 40,704 SH   SOLE 0 0 0 40,704
ILLINOIS TOOL WKS INC COM 452308109 470 2,070 SH   SOLE 0 0 0 2,070
ORACLE CORP COM 68389X105 1,367 15,561 SH   SOLE 0 0 0 15,561
DISNEY WALT CO COM 254687106 6,197 34,670 SH   SOLE 0 0 0 34,670
HONEYWELL INTL INC COM 438516106 1,697 7,404 SH   SOLE 0 0 0 7,404
SHERWIN WILLIAMS CO COM 824348106 942 3,300 SH   SOLE 0 0 0 3,300
US BANCORP DEL COM NEW 902973304 240 4,276 SH   SOLE 0 0 0 4,276
JOHNSON & JOHNSON COM 478160104 7,795 45,357 SH   SOLE 0 0 0 45,357
MEDTRONIC PLC SHS G5960L103 454 3,544 SH   SOLE 0 0 0 3,544
PFIZER INC COM 717081103 1,729 41,348 SH   SOLE 0 0 0 41,348
EXELON CORP COM 30161N101 582 12,548 SH   SOLE 0 0 0 12,548
LOWES COS INC COM 548661107 2,514 12,715 SH   SOLE 0 0 0 12,715
CHEVRON CORP NEW COM 166764100 1,254 12,422 SH   SOLE 0 0 0 12,422
MICROSOFT CORP COM 594918104 13,599 47,048 SH   SOLE 0 0 0 47,048
UNITED PARCEL SERVICE INC CL B 911312106 242 1,155 SH   SOLE 0 0 0 1,155
AT&T INC COM 00206R102 587 20,834 SH   SOLE 0 0 0 20,834
PRUDENTIAL FINL INC COM 744320102 828 8,223 SH   SOLE 0 0 0 8,223
TRUIST FINL CORP COM 89832Q109 462 8,417 SH   SOLE 0 0 0 8,417
CITIGROUP INC COM NEW 172967424 348 5,129 SH   SOLE 0 0 0 5,129
CISCO SYS INC COM 17275R102 2,843 51,260 SH   SOLE 0 0 0 51,260
INTERNATIONAL BUSINESS MACHS COM 459200101 767 5,371 SH   SOLE 0 0 0 5,371
COCA COLA CO COM 191216100 1,774 31,089 SH   SOLE 0 0 0 31,089
LOCKHEED MARTIN CORP COM 539830109 562 1,528 SH   SOLE 0 0 0 1,528
PEPSICO INC COM 713448108 4,623 29,431 SH   SOLE 0 0 0 29,431
PPG INDS INC COM 693506107 470 2,848 SH   SOLE 0 0 0 2,848
VERIZON COMMUNICATIONS INC COM 92343V104 2,004 35,919 SH   SOLE 0 0 0 35,919
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100 1,737 21,072 SH   SOLE 0 0 0 21,072
SELECT SECTOR SPDR TR ENERGY 81369Y506 4,198 84,423 SH   SOLE 0 0 0 84,423
SELECT SECTOR SPDR TR FINANCIAL 81369Y605 6,544 179,428 SH   SOLE 0 0 0 179,428
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704 5,983 57,775 SH   SOLE 0 0 0 57,775
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 13,538 87,658 SH   SOLE 0 0 0 87,658
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308 4,679 65,424 SH   SOLE 0 0 0 65,424
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 10,290 78,770 SH   SOLE 0 0 0 78,770
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 12,448 67,419 SH   SOLE 0 0 0 67,419
ISHARES TR ISHARES BIOTECH 464287556 413 2,524 SH   SOLE 0 0 0 2,524
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 1,098 6,887 SH   SOLE 0 0 0 6,887
DEERE & CO COM 244199105 1,001 2,817 SH   SOLE 0 0 0 2,817
BK OF AMERICA CORP COM 060505104 2,668 69,960 SH   SOLE 0 0 0 69,960
STARBUCKS CORP COM 855244109 2,223 17,635 SH   SOLE 0 0 0 17,635
AUTOMATIC DATA PROCESSING IN COM 053015103 858 4,161 SH   SOLE 0 0 0 4,161
EXXON MOBIL CORP COM 30231G102 550 9,411 SH   SOLE 0 0 0 9,411
AFLAC INC COM 001055102 396 7,372 SH   SOLE 0 0 0 7,372
WALMART INC COM 931142103 1,574 11,039 SH   SOLE 0 0 0 11,039
UNION PAC CORP COM 907818108 904 4,104 SH   SOLE 0 0 0 4,104
TEXAS INSTRS INC COM 882508104 296 1,573 SH   SOLE 0 0 0 1,573
TARGET CORP COM 87612E106 2,310 8,856 SH   SOLE 0 0 0 8,856
COLGATE PALMOLIVE CO COM 194162103 1,167 13,877 SH   SOLE 0 0 0 13,877
COSTCO WHSL CORP NEW COM 22160K105 2,940 6,946 SH   SOLE 0 0 0 6,946
LILLY ELI & CO COM 532457108 3,351 13,778 SH   SOLE 0 0 0 13,778
CVS HEALTH CORP COM 126650100 926 11,174 SH   SOLE 0 0 0 11,174
DANAHER CORPORATION COM 235851102 1,066 3,675 SH   SOLE 0 0 0 3,675
MERCK & CO INC COM 58933Y105 1,524 19,730 SH   SOLE 0 0 0 19,730
PROCTER AND GAMBLE CO COM 742718109 5,896 42,031 SH   SOLE 0 0 0 42,031
GENERAL ELECTRIC CO COM 369604103 426 33,008 SH   SOLE 0 0 0 33,008
KIMBERLY-CLARK CORP COM 494368103 1,883 13,937 SH   SOLE 0 0 0 13,937
HOME DEPOT INC COM 437076102 2,083 6,291 SH   SOLE 0 0 0 6,291
MCDONALDS CORP COM 580135101 4,795 19,653 SH   SOLE 0 0 0 19,653
NIKE INC CL B 654106103 5,398 32,697 SH   SOLE 0 0 0 32,697
JPMORGAN CHASE & CO COM 46625H100 2,416 15,931 SH   SOLE 0 0 0 15,931
MONDELEZ INTL INC CL A 609207105 601 9,269 SH   SOLE 0 0 0 9,269
FISERV INC COM 337738108 270 2,422 SH   SOLE 0 0 0 2,422
UNITEDHEALTH GROUP INC COM 91324P102 211 510 SH   SOLE 0 0 0 510
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 520 1,630 SH   SOLE 0 0 0 1,630
AMERICAN TOWER CORP NEW COM 03027X100 1,613 5,667 SH   SOLE 0 0 0 5,667
CROWN CASTLE INTL CORP NEW COM 22822V101 1,057 5,500 SH   SOLE 0 0 0 5,500
RAYTHEON TECHNOLOGIES CORP COM 75513E101 866 10,074 SH   SOLE 0 0 0 10,074
INTUIT COM 461202103 961 1,815 SH   SOLE 0 0 0 1,815
3M CO COM 88579Y101 2,509 12,440 SH   SOLE 0 0 0 12,440
COMCAST CORP NEW CL A 20030N101 1,124 19,142 SH   SOLE 0 0 0 19,142
VANGUARD INDEX FDS TOTAL STK MKT 922908769 36,925 162,009 SH   SOLE 0 0 0 162,009
WASTE MGMT INC DEL COM 94106L109 1,492 10,170 SH   SOLE 0 0 0 10,170
TEXTRON INC COM 883203101 230 3,370 SH   SOLE 0 0 0 3,370
NORFOLK SOUTHN CORP COM 655844108 1,918 7,231 SH   SOLE 0 0 0 7,231
NEXTERA ENERGY INC COM 65339F101 1,234 16,041 SH   SOLE 0 0 0 16,041
DUKE ENERGY CORP NEW COM NEW 26441C204 805 7,702 SH   SOLE 0 0 0 7,702
CONSTELLATION BRANDS INC CL A 21036P108 522 2,322 SH   SOLE 0 0 0 2,322
CONOCOPHILLIPS COM 20825C104 479 8,422 SH   SOLE 0 0 0 8,422
CSX CORP COM 126408103 1,772 53,878 SH   SOLE 0 0 0 53,878
APPLE INC COM 037833100 12,173 81,706 SH   SOLE 0 0 0 81,706
ALLIANT ENERGY CORP COM 018802108 511 8,720 SH   SOLE 0 0 0 8,720
CATERPILLAR INC COM 149123101 1,484 7,033 SH   SOLE 0 0 0 7,033
VANGUARD WORLD FDS CONSUM STP ETF 92204A207 1,118 6,025 SH   SOLE 0 0 0 6,025
INTERNATIONAL PAPER CO COM 460146103 362 6,202 SH   SOLE 0 0 0 6,202
CHUBB LIMITED COM H1467J104 661 3,930 SH   SOLE 0 0 0 3,930
ECOLAB INC COM 278865100 252 1,150 SH   SOLE 0 0 0 1,150
ISHARES TR EXPANDED TECH 464287515 935 2,300 SH   SOLE 0 0 0 2,300
PUBLIC STORAGE COM 74460D109 1,190 3,795 SH   SOLE 0 0 0 3,795
AMERICAN EXPRESS CO COM 025816109 804 4,657 SH   SOLE 0 0 0 4,657
GENERAL MLS INC COM 370334104 290 4,884 SH   SOLE 0 0 0 4,884
KELLOGG CO COM 487836108 313 4,942 SH   SOLE 0 0 0 4,942
EASTMAN CHEM CO COM 277432100 541 4,844 SH   SOLE 0 0 0 4,844
KLA CORP COM NEW 482480100 327 1,025 SH   SOLE 0 0 0 1,025
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 1,684 33,041 SH   SOLE 0 0 0 33,041
PAYCHEX INC COM 704326107 362 3,217 SH   SOLE 0 0 0 3,217
NORTHROP GRUMMAN CORP COM 666807102 1,340 3,741 SH   SOLE 0 0 0 3,741
PNC FINL SVCS GROUP INC COM 693475105 430 2,328 SH   SOLE 0 0 0 2,328
NETFLIX INC COM 64110L106 635 1,229 SH   SOLE 0 0 0 1,229
ISHARES TR SELECT DIVID ETF 464287168 1,354 11,711 SH   SOLE 0 0 0 11,711
CLOROX CO DEL COM 189054109 459 2,472 SH   SOLE 0 0 0 2,472
WD 40 CO COM 929236107 266 1,100 SH   SOLE 0 0 0 1,100
AIR PRODS & CHEMS INC COM 009158106 554 1,916 SH   SOLE 0 0 0 1,916
SEI INVTS CO COM 784117103 242 4,000 SH   SOLE 0 0 0 4,000
NVIDIA CORPORATION COM 67066G104 266 1,378 SH   SOLE 0 0 0 1,378
V F CORP COM 918204108 779 9,360 SH   SOLE 0 0 0 9,360
TRAVELERS COMPANIES INC COM 89417E109 1,653 11,107 SH   SOLE 0 0 0 11,107
AMERICAN ELEC PWR CO INC COM 025537101 614 7,001 SH   SOLE 0 0 0 7,001
MASCO CORP COM 574599106 261 4,400 SH   SOLE 0 0 0 4,400
EATON CORP PLC SHS G29183103 221 1,415 SH   SOLE 0 0 0 1,415
UNITED RENTALS INC COM 911363109 328 1,000 SH   SOLE 0 0 0 1,000
GALLAGHER ARTHUR J & CO COM 363576109 989 7,050 SH   SOLE 0 0 0 7,050
PRICE T ROWE GROUP INC COM 74144T108 963 4,670 SH   SOLE 0 0 0 4,670
STANLEY BLACK & DECKER INC COM 854502101 716 3,474 SH   SOLE 0 0 0 3,474
SNAP ON INC COM 833034101 220 1,000 SH   SOLE 0 0 0 1,000
KANSAS CITY SOUTHERN COM NEW 485170302 348 1,301 SH   SOLE 0 0 0 1,301
CHURCH & DWIGHT INC COM 171340102 239 2,766 SH   SOLE 0 0 0 2,766
CUMMINS INC COM 231021106 2,420 10,231 SH   SOLE 0 0 0 10,231
BECTON DICKINSON & CO COM 075887109 383 1,535 SH   SOLE 0 0 0 1,535
METLIFE INC COM 59156R108 637 10,974 SH   SOLE 0 0 0 10,974
YUM BRANDS INC COM 988498101 2,157 17,475 SH   SOLE 0 0 0 17,475
AMPHENOL CORP NEW CL A 032095101 324 4,580 SH   SOLE 0 0 0 4,580
MICROCHIP TECHNOLOGY INC. COM 595017104 286 2,051 SH   SOLE 0 0 0 2,051
CINTAS CORP COM 172908105 263 677 SH   SOLE 0 0 0 677
ALPHABET INC CAP STK CL A 02079K305 4,260 1,589 SH   SOLE 0 0 0 1,589
SPDR GOLD TR GOLD SHS 78463V107 327 1,944 SH   SOLE 0 0 0 1,944
VANGUARD WORLD FDS ENERGY ETF 92204A306 1,197 17,106 SH   SOLE 0 0 0 17,106
VANGUARD INDEX FDS VALUE ETF 922908744 2,096 15,121 SH   SOLE 0 0 0 15,121
CELANESE CORP DEL COM 150870103 1,019 6,636 SH   SOLE 0 0 0 6,636
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504 19,141 75,512 SH   SOLE 0 0 0 75,512
VANGUARD INDEX FDS MID CAP ETF 922908629 1,011 4,222 SH   SOLE 0 0 0 4,222
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 3,484 32,895 SH   SOLE 0 0 0 32,895
VANGUARD WORLD FDS MATERIALS ETF 92204A801 601 3,342 SH   SOLE 0 0 0 3,342
BLACKROCK INC COM 09247X101 240 275 SH   SOLE 0 0 0 275
INVESCO EXCHANGE TRADED FD T DYNMC BIOTECH 46137V787 260 3,513 SH   SOLE 0 0 0 3,513
VANGUARD INDEX FDS SMALL CP ETF 922908751 18,926 85,777 SH   SOLE 0 0 0 85,777
FASTENAL CO COM 311900104 241 4,438 SH   SOLE 0 0 0 4,438
VANGUARD INDEX FDS GROWTH ETF 922908736 633 2,113 SH   SOLE 0 0 0 2,113
MCCORMICK & CO INC COM NON VTG 579780206 1,832 21,456 SH   SOLE 0 0 0 21,456
VANGUARD INDEX FDS SML CP GRW ETF 922908595 336 1,184 SH   SOLE 0 0 0 1,184
OLD DOMINION FREIGHT LINE IN COM 679580100 259 1,000 SH   SOLE 0 0 0 1,000
VANGUARD WORLD FDS FINANCIALS ETF 92204A405 11,858 132,073 SH   SOLE 0 0 0 132,073
PARKER-HANNIFIN CORP COM 701094104 465 1,503 SH   SOLE 0 0 0 1,503
VANGUARD WORLD FDS UTILITIES ETF 92204A876 2,536 17,666 SH   SOLE 0 0 0 17,666
CHURCHILL DOWNS INC COM 171484108 801 4,200 SH   SOLE 0 0 0 4,200
ISHARES GOLD TR ISHARES NEW 464285204 2,461 71,884 SH   SOLE 0 0 0 71,884
SALESFORCE COM INC COM 79466L302 412 1,662 SH   SOLE 0 0 0 1,662
VANGUARD WORLD FDS COMM SRVC ETF 92204A884 3,625 24,522 SH   SOLE 0 0 0 24,522
M & T BK CORP COM 55261F104 225 1,703 SH   SOLE 0 0 0 1,703
ZEBRA TECHNOLOGIES CORPORATI CL A 989207105 545 1,000 SH   SOLE 0 0 0 1,000
VANGUARD WORLD FDS INF TECH ETF 92204A702 47,642 114,846 SH   SOLE 0 0 0 114,846
SPDR SER TR S&P BIOTECH 78464A870 231 1,858 SH   SOLE 0 0 0 1,858
VANGUARD WORLD FDS CONSUM DIS ETF 92204A108 780 2,416 SH   SOLE 0 0 0 2,416
VANGUARD WORLD FDS INDUSTRIAL ETF 92204A603 2,079 10,537 SH   SOLE 0 0 0 10,537
MASTERCARD INCORPORATED CL A 57636Q104 558 1,420 SH   SOLE 0 0 0 1,420
EQUINIX INC COM 29444U700 220 265 SH   SOLE 0 0 0 265
SUN CMNTYS INC COM 866674104 2,594 13,718 SH   SOLE 0 0 0 13,718
EXTRA SPACE STORAGE INC COM 30225T102 211 1,236 SH   SOLE 0 0 0 1,236
ISHARES TR CORE S&P TTL STK 464287150 11,301 111,844 SH   SOLE 0 0 0 111,844
VANGUARD INDEX FDS LARGE CAP ETF 922908637 314 1,517 SH   SOLE 0 0 0 1,517
MARTIN MARIETTA MATLS INC COM 573284106 391 1,109 SH   SOLE 0 0 0 1,109
INVESCO EXCHANGE TRADED FD T DIVID ACHIEVEV 46137V506 676 18,221 SH   SOLE 0 0 0 18,221
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 4,948 79,271 SH   SOLE 0 0 0 79,271
INVESCO EXCHANGE TRADED FD T BUYBACK ACHIEV 46137V308 484 5,334 SH   SOLE 0 0 0 5,334
INVESCO EXCHANGE TRADED FD T FINL PFD ETF 46137V621 247 13,018 SH   SOLE 0 0 0 13,018
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 6,078 73,824 SH   SOLE 0 0 0 73,824
VANGUARD BD INDEX FDS INTERMED TERM 921937819 687 7,560 SH   SOLE 0 0 0 7,560
SPDR SER TR PORTFOLIO S&P400 78464A847 6,089 129,919 SH   SOLE 0 0 0 129,919
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 8,692 100,505 SH   SOLE 0 0 0 100,505
BLACKSTONE GROUP INC COM 09260D107 852 7,524 SH   SOLE 0 0 0 7,524
INVESCO EXCHANGE TRADED FD T DYNMC SOFTWARE 46137V639 464 2,892 SH   SOLE 0 0 0 2,892
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 763 14,756 SH   SOLE 0 0 0 14,756
ISHARES TR NATIONAL MUN ETF 464288414 398 3,377 SH   SOLE 0 0 0 3,377
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 367 2,675 SH   SOLE 0 0 0 2,675
MERCADOLIBRE INC COM 58733R102 1,001 631 SH   SOLE 0 0 0 631
VISA INC COM CL A 92826C839 3,367 13,453 SH   SOLE 0 0 0 13,453
PHILIP MORRIS INTL INC COM 718172109 497 5,019 SH   SOLE 0 0 0 5,019
SPDR SER TR PORTFOLIO S&P500 78464A854 11,587 223,557 SH   SOLE 0 0 0 223,557
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 384 10,434 SH   SOLE 0 0 0 10,434
ISHARES TR GL CLEAN ENE ETF 464288224 425 18,974 SH   SOLE 0 0 0 18,974
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 13,592 130,116 SH   SOLE 0 0 0 130,116
ISHARES TR SHRT NAT MUN ETF 464288158 403 3,733 SH   SOLE 0 0 0 3,733
BROADCOM INC COM 11135F101 509 1,056 SH   SOLE 0 0 0 1,056
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 1,642 16,099 SH   SOLE 0 0 0 16,099
ISHARES TR RUS TP200 VL ETF 464289420 263 3,931 SH   SOLE 0 0 0 3,931
ISHARES TR RUS TP200 GR ETF 464289438 288 1,810 SH   SOLE 0 0 0 1,810
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 25,828 242,127 SH   SOLE 0 0 0 242,127
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 6,299 159,422 SH   SOLE 0 0 0 159,422
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 10,902 101,836 SH   SOLE 0 0 0 101,836
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 10,170 122,860 SH   SOLE 0 0 0 122,860
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 2,508 24,884 SH   SOLE 0 0 0 24,884
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 6,081 88,951 SH   SOLE 0 0 0 88,951
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 1,288 20,933 SH   SOLE 0 0 0 20,933
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 3,005 97,773 SH   SOLE 0 0 0 97,773
SPDR SER TR PORTFLI MORTGAGE 78464A383 618 23,857 SH   SOLE 0 0 0 23,857
TESLA INC COM 88160R101 1,104 1,679 SH   SOLE 0 0 0 1,679
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 323 6,296 SH   SOLE 0 0 0 6,296
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 1,682 4,149 SH   SOLE 0 0 0 4,149
SHOPIFY INC CL A 82509L107 484 306 SH   SOLE 0 0 0 306
ISHARES TR 0-5 YR TIPS ETF 46429B747 214 2,000 SH   SOLE 0 0 0 2,000
SCHWAB STRATEGIC TR US REIT ETF 808524847 1,094 22,946 SH   SOLE 0 0 0 22,946
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 1,467 18,856 SH   SOLE 0 0 0 18,856
VANGUARD STAR FDS VG TL INTL STK F 921909768 16,122 248,798 SH   SOLE 0 0 0 248,798
ISHARES TR CORE HIGH DV ETF 46429B663 331 3,406 SH   SOLE 0 0 0 3,406
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354 205 3,257 SH   SOLE 0 0 0 3,257
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 1,213 22,069 SH   SOLE 0 0 0 22,069
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 2,417 31,805 SH   SOLE 0 0 0 31,805
ISHARES TR MSCI USA MIN VOL 46429B697 820 10,779 SH   SOLE 0 0 0 10,779
PHILLIPS 66 COM 718546104 286 3,845 SH   SOLE 0 0 0 3,845
PIMCO ETF TR ACTIVE BD ETF 72201R775 835 7,475 SH   SOLE 0 0 0 7,475
FACEBOOK INC CL A 30303M102 2,414 6,481 SH   SOLE 0 0 0 6,481
SERVICENOW INC COM 81762P102 529 905 SH   SOLE 0 0 0 905
ISHARES INC CORE MSCI EMKT 46434G103 6,972 110,381 SH   SOLE 0 0 0 110,381
ISHARES TR CORE MSCI TOTAL 46432F834 3,868 53,518 SH   SOLE 0 0 0 53,518
ISHARES TR CORE MSCI EAFE 46432F842 9,016 119,562 SH   SOLE 0 0 0 119,562
RH COM 74967X103 218 321 SH   SOLE 0 0 0 321
ABBVIE INC COM 00287Y109 1,237 10,498 SH   SOLE 0 0 0 10,498
ISHARES TR MSCI USA MMENTM 46432F396 549 3,128 SH   SOLE 0 0 0 3,128
ISHARES TR MSCI USA QLT FCT 46432F339 879 6,387 SH   SOLE 0 0 0 6,387
FIDELITY COVINGTON TRUST MSCI HLTH CARE I 316092600 363 5,558 SH   SOLE 0 0 0 5,558
FIDELITY COVINGTON TRUST MSCI UTILS INDEX 316092865 270 6,370 SH   SOLE 0 0 0 6,370
FIDELITY COVINGTON TRUST MSCI INFO TECH I 316092808 307 2,506 SH   SOLE 0 0 0 2,506
SPDR SER TR PORTFOLIO S&P600 78468R853 6,848 161,080 SH   SOLE 0 0 0 161,080
ALPHABET INC CAP STK CL C 02079K107 2,564 918 SH   SOLE 0 0 0 918
ISHARES TR CORE DIV GRWTH 46434V621 1,585 30,715 SH   SOLE 0 0 0 30,715
ALIBABA GROUP HLDG LTD SPONSORED ADS 01609W102 317 1,655 SH   SOLE 0 0 0 1,655
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309 5,390 100,367 SH   SOLE 0 0 0 100,367
PAYPAL HLDGS INC COM 70450Y103 956 3,117 SH   SOLE 0 0 0 3,117
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 1,720 30,948 SH   SOLE 0 0 0 30,948
GOLDMAN SACHS ETF TR ACTIVEBETA US LG 381430503 1,136 12,803 SH   SOLE 0 0 0 12,803
SELECT SECTOR SPDR TR RL EST SEL SEC 81369Y860 3,277 70,818 SH   SOLE 0 0 0 70,818
INVESCO ACTIVELY MANAGED ETF TOTAL RETURN 46090A804 630 10,979 SH   SOLE 0 0 0 10,979
YUM CHINA HLDGS INC COM 98850P109 531 8,236 SH   SOLE 0 0 0 8,236
GLOBAL X FDS US INFR DEV ETF 37954Y673 278 10,700 SH   SOLE 0 0 0 10,700
ISHARES TR ESG AWR MSCI USA 46435G425 983 9,688 SH   SOLE 0 0 0 9,688
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852 12,334 146,951 SH   SOLE 0 0 0 146,951
PELOTON INTERACTIVE INC CL A COM 70614W100 218 1,775 SH   SOLE 0 0 0 1,775
CARRIER GLOBAL CORPORATION COM 14448C104 335 6,508 SH   SOLE 0 0 0 6,508
OTIS WORLDWIDE CORP COM 68902V107 281 3,152 SH   SOLE 0 0 0 3,152
PALANTIR TECHNOLOGIES INC CL A 69608A108 846 38,250 SH   SOLE 0 0 0 38,250
VANGUARD BD INDEX FDS VANGUARD ULTRA 92203C303 288 5,751 SH   SOLE 0 0 0 5,751