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
INVESCO EXCHANGE TRADED FD T S&P MDCP VLU MNT 46137V456 42 948 SH   SOLE   0 0 948
SPDR S&P 500 ETF TR TR UNIT 78462F103 247 623 SH   SOLE   0 0 623
SPDR INDEX SHS FDS DJ INTL RL ETF 78463X863 28 804 SH   SOLE   0 0 804
SPDR SER TR PORTFLI TIPS ETF 78464A656 73 2,387 SH   SOLE   0 0 2,387
SNAP INC CL A 83304A106 2 31 SH   SOLE   0 0 31
VANGUARD WORLD FD EXTENDED DUR 921910709 159 1,264 SH   SOLE   0 0 1,264
VANGUARD BD INDEX FDS LONG TERM BOND 921937793 55,242 562,893 SH   SOLE   0 0 562,893
AURORA CANNABIS INC COM 05156X884 2 233 SH   SOLE   0 0 233
DISNEY WALT CO COM 254687106 28 150 SH   SOLE   0 0 150
ISHARES SILVER TR ISHARES 46428Q109 6 277 SH   SOLE   0 0 277
FS KKR CAP CORP II COM 35952V303 25 1,300 SH   SOLE   0 0 1,300
APPLE INC COM 037833100 448 3,668 SH   SOLE   0 0 3,668
SPDR SER TR BLOOMBERG BRCLYS 78468R622 64 586 SH   SOLE   0 0 586
VANGUARD WORLD FDS UTILITIES ETF 92204A876 147,890 1,052,524 SH   SOLE   0 0 1,052,524
COUSINS PPTYS INC COM NEW 222795502 5 150 SH   SOLE   0 0 150
INVESCO EXCHANGE TRADED FD T DYNMC LRG VALU 46137V738 51 1,200 SH   SOLE   0 0 1,200
PROCTER AND GAMBLE CO COM 742718109 1,251 9,237 SH   SOLE   0 0 9,237
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 234,276 2,850,415 SH   SOLE   0 0 2,850,415
VANGUARD WORLD FDS INDUSTRIAL ETF 92204A603 197,673 1,044,395 SH   SOLE   0 0 1,044,395
NORFOLK SOUTHN CORP COM 655844108 23 87 SH   SOLE   0 0 87
PUBLIC SVC ENTERPRISE GRP IN COM 744573106 37 607 SH   SOLE   0 0 607
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 1 10 SH   SOLE   0 0 10
VANGUARD WORLD FDS CONSUM STP ETF 92204A207 160,092 898,233 SH   SOLE   0 0 898,233
VANGUARD WORLD FDS ENERGY ETF 92204A306 205,121 3,016,489 SH   SOLE   0 0 3,016,489
ADVANSIX INC COM 00773T101 0 9 SH   SOLE   0 0 9
EXXON MOBIL CORP COM 30231G102 11 199 SH   SOLE   0 0 199
VERISK ANALYTICS INC COM 92345Y106 587 3,322 SH   SOLE   0 0 3,322
VANGUARD WORLD FDS CONSUM DIS ETF 92204A108 202,554 685,740 SH   SOLE   0 0 685,740
VANGUARD WORLD FDS FINANCIALS ETF 92204A405 199,070 2,355,859 SH   SOLE   0 0 2,355,859
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 32 125 SH   SOLE   0 0 125
DTE ENERGY CO COM 233331107 35 260 SH   SOLE   0 0 260
ISHARES TR PFD AND INCM SEC 464288687 0 2 SH   SOLE   0 0 2
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 162,871 1,773,033 SH   SOLE   0 0 1,773,033
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 3 23 SH   SOLE   0 0 23
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 1 19 SH   SOLE   0 0 19
INVESCO EXCHANGE TRADED FD T GBL LISTED PVT 46137V589 14,877 1,025,677 SH   SOLE   0 0 1,025,677
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504 169,771 742,169 SH   SOLE   0 0 742,169
HOME DEPOT INC COM 437076102 156 510 SH   SOLE   0 0 510
INVESCO EXCHANGE TRADED FD T DYNMC LRG GWTH 46137V746 31 453 SH   SOLE   0 0 453
VANGUARD WORLD FDS MATERIALS ETF 92204A801 194,195 1,122,838 SH   SOLE   0 0 1,122,838
INVESCO EXCHANGE TRADED FD T S&P SMLCP MOMENT 46137V498 25 472 SH   SOLE   0 0 472
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 46,068 893,827 SH   SOLE   0 0 893,827
INTERNATIONAL BUSINESS MACHS COM 459200101 97 726 SH   SOLE   0 0 726
MCCORMICK & CO INC COM VTG 579780107 28 318 SH   SOLE   0 0 318
INVESCO DB COMMDY INDX TRCK UNIT 46138B103 14,372 865,269 SH   SOLE   0 0 865,269
INVESCO DB G10 CURRENCY HARV UNIT 46139B102 14,366 567,841 SH   SOLE   0 0 567,841
SPDR SER TR PORTFOLIO AGRGTE 78464A649 125 4,221 SH   SOLE   0 0 4,221
VANGUARD WORLD FDS INF TECH ETF 92204A702 187,520 523,084 SH   SOLE   0 0 523,084
VANGUARD WORLD FDS COMM SRVC ETF 92204A884 195,501 1,503,735 SH   SOLE   0 0 1,503,735
SPDR SER TR BLOMBERG INTL TR 78464A516 61 2,087 SH   SOLE   0 0 2,087
SPDR SER TR DJ REIT ETF 78464A607 34 363 SH   SOLE   0 0 363
HONEYWELL INTL INC COM 438516106 52 240 SH   SOLE   0 0 240
PRUDENTIAL BANCORP INC NEW COM 74431A101 77 5,189 SH   SOLE   0 0 5,189
INVESCO EXCHANGE TRADED FD T S&P MDCP MOMNTUM 46137V464 46 543 SH   SOLE   0 0 543
INVESCO EXCHANGE TRADED FD T S&P SMCP VLU MNT 46137V480 73 1,495 SH   SOLE   0 0 1,495
VANGUARD BD INDEX FDS INTERMED TERM 921937819 60,697 684,063 SH   SOLE   0 0 684,063
AFLAC INC COM 001055102 8 150 SH   SOLE   0 0 150
RESIDEO TECHNOLOGIES INC COM 76118Y104 1 40 SH   SOLE   0 0 40