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
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 41,569 513,002 SH   SOLE   0 0 513,002
INVESCO QQQ TR UNIT SER 1 46090E103 33,769 158,830 SH   SOLE   0 0 158,830
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 23,085 252,767 SH   SOLE   0 0 252,767
ISHARES TR RUS MID CAP ETF 464287499 17,092 286,688 SH   SOLE   0 0 286,688
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 14,237 37,927 SH   SOLE   0 0 37,927
SPDR SERIES TRUST BLOMBERG BRC INV 78468R200 10,557 343,548 SH   SOLE   0 0 343,548
ISHARES TR RUSSELL 2000 ETF 464287655 10,287 62,091 SH   SOLE   0 0 62,091
ISHARES TR CORE S&P500 ETF 464287200 9,104 28,165 SH   SOLE   0 0 28,165
ISHARES TR 1 3 YR TREAS BD 464287457 8,743 103,309 SH   SOLE   0 0 103,309
ISHARES TR SP SMCP600VL ETF 464287879 5,563 34,598 SH   SOLE   0 0 34,598
VANGUARD INDEX FDS MID CAP ETF 922908629 4,569 25,641 SH   SOLE   0 0 25,641
DBX ETF TR XTRACK MSCI EAFE 233051200 4,083 120,885 SH   SOLE   0 0 120,885
ISHARES TR INTRM TR CRP ETF 464288638 3,912 67,466 SH   SOLE   0 0 67,466
ISHARES TR FLTG RATE NT ETF 46429B655 2,796 54,903 SH   SOLE   0 0 54,903
ISHARES TR CRE U S REIT ETF 464288521 1,775 32,512 SH   SOLE   0 0 32,512
AT&T INC COM 00206R102 1,482 37,918 SH   SOLE   0 0 37,918
SPDR SERIES TRUST PORTFOLIO TL STK 78464A805 1,424 35,721 SH   SOLE   0 0 35,721
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 1,255 16,323 SH   SOLE   0 0 16,323
PROSHARES TR PSHS ULTRA QQQ 74347R206 1,214 9,961 SH   SOLE   0 0 9,961
CATERPILLAR INC DEL COM 149123101 1,188 8,044 SH   SOLE   0 0 8,044
PROSHARES TR PSHS ULT S&P 500 74347R107 1,180 7,826 SH   SOLE   0 0 7,826
REPUBLIC BANCORP KY CL A 760281204 983 21,000 SH   SOLE   0 0 21,000
SPDR S&P 500 ETF TR TR UNIT 78462F103 890 2,764 SH   SOLE   0 0 2,764
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 607 2,680 SH   SOLE   0 0 2,680
VANGUARD WHITEHALL FDS INC HIGH DIV YLD 921946406 521 5,564 SH   SOLE   0 0 5,564
VANGUARD INDEX FDS SML CP GRW ETF 922908595 490 2,466 SH   SOLE   0 0 2,466
ISHARES TR MSCI EAFE ETF 464287465 469 6,747 SH   SOLE   0 0 6,747
TRUIST FINL CORP COM 89832Q109 449 7,971 SH   SOLE   0 0 7,971
PFIZER INC COM 717081103 391 9,971 SH   SOLE   0 0 9,971
ISHARES TR MSCI ACWI ETF 464288257 390 4,915 SH   SOLE   0 0 4,915
MICROSOFT CORP COM 594918104 363 2,301 SH   SOLE   0 0 2,301
REGIONS FINL CORP NEW COM 7591EP100 343 20,000 SH   SOLE   0 0 20,000
ISHARES TR CORE S&P MCP ETF 464287507 317 1,538 SH   SOLE   0 0 1,538
SELECT SECTOR SPDR TR RL EST SEL SEC 81369Y860 306 7,911 SH   SOLE   0 0 7,911
SPDR SERIES TRUST PORTFOLIO INTRMD 78464A375 292 8,266 SH   SOLE   0 0 8,266
INTERNATIONAL BUSINESS MACHS COM 459200101 269 2,004 SH   SOLE   0 0 2,004
PROCTER & GAMBLE CO COM 742718109 265 2,120 SH   SOLE   0 0 2,120
LOWES COS INC COM 548661107 232 1,938 SH   SOLE   0 0 1,938
ISHARES TR BARCLAYS 7 10 YR 464287440 218 1,979 SH   SOLE   0 0 1,979
EXXON MOBIL CORP COM 30231G102 205 2,938 SH   SOLE   0 0 2,938
PROSHARES TR PSHS ULTRUSS2000 74347R842 205 2,664 SH   SOLE   0 0 2,664
GENERAL ELECTRIC CO COM 369604103 139 12,412 SH   SOLE   0 0 12,412