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 42 938 SH   SOLE   0 0 938
SPDR S&P 500 ETF TR TR UNIT 78462F103 12,865 29,979 SH   SOLE   0 0 29,979
SPDR INDEX SHS FDS DJ INTL RL ETF 78463X863 29 804 SH   SOLE   0 0 804
SPDR SER TR PORTFLI TIPS ETF 78464A656 68 2,181 SH   SOLE   0 0 2,181
SNAP INC CL A 83304A106 2 31 SH   SOLE   0 0 31
VANGUARD WORLD FD EXTENDED DUR 921910709 38,132 281,355 SH   SOLE   0 0 281,355
VANGUARD BD INDEX FDS LONG TERM BOND 921937793 103,713 1,013,520 SH   SOLE   0 0 1,013,520
AURORA CANNABIS INC COM 05156X884 2 233 SH   SOLE   0 0 233
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 24 162 SH   SOLE   0 0 162
ISHARES SILVER TR ISHARES 46428Q109 6 277 SH   SOLE   0 0 277
SPDR SER TR PORTFOLIO INTRMD 78464A375 4 120 SH   SOLE   0 0 120
SPDR SER TR BLOMBERG BRC INV 78468R200 5 169 SH   SOLE   0 0 169
GOLDMAN SACHS ETF TR ACTIVEBETA US LG 381430503 19 223 SH   SOLE   0 0 223
INDEXIQ ETF TR IQ MRGR ARB ETF 45409B800 7 217 SH   SOLE   0 0 217
NUVEEN AMT FREE QLTY MUN INC COM 670657105 1,215 80,000 SH   SOLE   0 0 80,000
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 13 267 SH   SOLE   0 0 267
APPLE INC COM 037833100 499 3,528 SH   SOLE   0 0 3,528
SPDR SER TR BLOOMBERG BRCLYS 78468R622 58 532 SH   SOLE   0 0 532
VANGUARD WORLD FDS UTILITIES ETF 92204A876 163,636 1,176,056 SH   SOLE   0 0 1,176,056
COUSINS PPTYS INC COM NEW 222795502 6 150 SH   SOLE   0 0 150
ISHARES TR MSCI USA QLT FCT 46432F339 1 4 SH   SOLE   0 0 4
INVESCO EXCHANGE TRADED FD T DYNMC LRG VALU 46137V738 53 1,197 SH   SOLE   0 0 1,197
PROCTER AND GAMBLE CO COM 742718109 1,291 9,237 SH   SOLE   0 0 9,237
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 135,682 1,655,869 SH   SOLE   0 0 1,655,869
VANGUARD WORLD FDS INDUSTRIAL ETF 92204A603 205,144 1,091,831 SH   SOLE   0 0 1,091,831
ISHARES TR EAFE SML CP ETF 464288273 2 22 SH   SOLE   0 0 22
NORFOLK SOUTHN CORP COM 655844108 6 23 SH   SOLE   0 0 23
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
ISHARES TR MSCI USA VALUE 46432F388 11 105 SH   SOLE   0 0 105
VANGUARD WORLD FDS CONSUM STP ETF 92204A207 176,528 984,980 SH   SOLE   0 0 984,980
CINTAS CORP COM 172908105 57 150 SH   SOLE   0 0 150
INVESCO EXCHANGE TRADED FD T S&P500 PUR VAL 46137V258 21 283 SH   SOLE   0 0 283
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771 7 137 SH   SOLE   0 0 137
ISHARES TR CORE S&P SCP ETF 464287804 17 157 SH   SOLE   0 0 157
VANGUARD WORLD FDS ENERGY ETF 92204A306 229,972 3,111,935 SH   SOLE   0 0 3,111,935
ADVANSIX INC COM 00773T101 0 9 SH   SOLE   0 0 9
EXXON MOBIL CORP COM 30231G102 12 199 SH   SOLE   0 0 199
VERISK ANALYTICS INC COM 92345Y106 333 1,662 SH   SOLE   0 0 1,662
VANGUARD WORLD FDS CONSUM DIS ETF 92204A108 221,084 713,245 SH   SOLE   0 0 713,245
VANGUARD WORLD FDS FINANCIALS ETF 92204A405 221,371 2,389,326 SH   SOLE   0 0 2,389,326
DTE ENERGY CO COM 233331107 29 260 SH   SOLE   0 0 260
ISHARES TR PFD AND INCM SEC 464288687 0 2 SH   SOLE   0 0 2
SPDR SER TR BLOOMBERG SRT TR 78468R408 3 93 SH   SOLE   0 0 93
ISHARES TR CORE DIV GRWTH 46434V621 25 489 SH   SOLE   0 0 489
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 198,857 1,953,795 SH   SOLE   0 0 1,953,795
ISHARES TR RUS 1000 VAL ETF 464287598 1 8 SH   SOLE   0 0 8
ISHARES TR 3 7 YR TREAS BD 464288661 5 39 SH   SOLE   0 0 39
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 15,652 1,044,893 SH   SOLE   0 0 1,044,893
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504 195,548 791,178 SH   SOLE   0 0 791,178
FS KKR CAP CORP COM 302635206 27 1,234 SH   SOLE   0 0 1,234
INVESCO EXCHANGE TRADED FD T DWA MOMENTUM 46137V837 31 352 SH   SOLE   0 0 352
NUVEEN MUN VALUE FD INC COM 670928100 679 60,000 SH   SOLE   0 0 60,000
VANGUARD INDEX FDS SMALL CP ETF 922908751 65 297 SH   SOLE   0 0 297
HOME DEPOT INC COM 437076102 148 450 SH   SOLE   0 0 450
INVESCO EXCHANGE TRADED FD T DYNMC LRG GWTH 46137V746 33 452 SH   SOLE   0 0 452
VANGUARD WORLD FDS MATERIALS ETF 92204A801 202,300 1,167,810 SH   SOLE   0 0 1,167,810
INVESCO QQQ TR UNIT SER 1 46090E103 7,175 20,044 SH   SOLE   0 0 20,044
INVESCO EXCHANGE TRADED FD T S&P SMLCP MOMENT 46137V498 25 470 SH   SOLE   0 0 470
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 39,047 742,614 SH   SOLE   0 0 742,614
MCCORMICK & CO INC COM VTG 579780107 26 318 SH   SOLE   0 0 318
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 23 162 SH   SOLE   0 0 162
INVESCO DB COMMDY INDX TRCK UNIT 46138B103 16,946 839,756 SH   SOLE   0 0 839,756
INVESCO DB G10 CURRENCY HARV UNIT 46139B102 14,875 594,777 SH   SOLE   0 0 594,777
ISHARES TR CORE S&P MCP ETF 464287507 13 49 SH   SOLE   0 0 49
SPDR SER TR PORTFOLIO AGRGTE 78464A649 115 3,846 SH   SOLE   0 0 3,846
VANGUARD WORLD FDS INF TECH ETF 92204A702 216,405 539,272 SH   SOLE   0 0 539,272
VANGUARD WORLD FDS COMM SRVC ETF 92204A884 215,958 1,534,119 SH   SOLE   0 0 1,534,119
ISHARES TR RUSSELL 2000 ETF 464287655 2 9 SH   SOLE   0 0 9
SPDR SER TR BLOMBERG INTL TR 78464A516 54 1,889 SH   SOLE   0 0 1,889
ISHARES TR S&P MC 400VL ETF 464287705 10 97 SH   SOLE   0 0 97
SPDR SER TR DJ REIT ETF 78464A607 38 362 SH   SOLE   0 0 362
HONEYWELL INTL INC COM 438516106 51 240 SH   SOLE   0 0 240
ISHARES TR MSCI EAFE ETF 464287465 3 42 SH   SOLE   0 0 42
PRUDENTIAL BANCORP INC NEW COM 74431A101 79 5,189 SH   SOLE   0 0 5,189
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 10 208 SH   SOLE   0 0 208
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 75 1,487 SH   SOLE   0 0 1,487
ISHARES TR CORE S&P500 ETF 464287200 72 168 SH   SOLE   0 0 168
VANGUARD BD INDEX FDS INTERMED TERM 921937819 67,410 753,690 SH   SOLE   0 0 753,690
AFLAC INC COM 001055102 8 150 SH   SOLE   0 0 150
ISHARES TR U.S. REAL ES ETF 464287739 1 14 SH   SOLE   0 0 14
ISHARES TR MSCI USA MMENTM 46432F396 1 3 SH   SOLE   0 0 3
GARRETT MOTION INC COM 366505105 0 24 SH   SOLE   0 0 24
INVESCO EXCHANGE TRADED FD T S&P MDCP400 PR 46137V217 23 106 SH   SOLE   0 0 106
INVESCO EXCHANGE TRADED FD T S&P500 PUR GWT 46137V266 30 158 SH   SOLE   0 0 158
NUVEEN AMT FREE MUN CR INC F COM 67071L106 686 40,000 SH   SOLE   0 0 40,000
RESIDEO TECHNOLOGIES INC COM 76118Y104 1 40 SH   SOLE   0 0 40