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
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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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   422,029 1,667 SH   SOLE   1,667 0 0
SPDR SERIES TRUST PORTFLI INTRMDIT 78464A672   28,742,932 999,059 SH   SOLE   999,059 0 0
JOHNSON & JOHNSON COM 478160104   635,477 4,160 SH   SOLE   4,160 0 0
WESTERN ASSET HIGH INCOME OP COM 95766K109   478,101 120,126 SH   SOLE   120,126 0 0
VANGUARD INDEX FDS EXTEND MKT ETF 922908652   302,847 1,572 SH   SOLE   1,572 0 0
COCA COLA CO COM 191216100   342,501 4,841 SH   SOLE   4,841 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   10,439,016 117,213 SH   SOLE   117,213 0 0
EATON VANCE LIMITED DURATION COM 27828H105   478,619 46,649 SH   SOLE   46,649 0 0
HONEYWELL INTL INC COM 438516106   702,899 3,018 SH   SOLE   3,018 0 0
HOME DEPOT INC COM 437076102   623,441 1,700 SH   SOLE   1,700 0 0
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   5,606,872 41,597 SH   SOLE   41,597 0 0
SOUTHERN CO COM 842587107   290,329 3,162 SH   SOLE   3,162 0 0
ISHARES TR CORE S&P SCP ETF 464287804   3,801,578 34,784 SH   SOLE   34,784 0 0
EXELON CORP COM 30161N101   18,702 18,702 SH   SOLE   18,702 0 0
ALPHABET INC CAP STK CL A 02079K305   218,349 1,239 SH   SOLE   1,239 0 0
NEWMONT CORP COM 651639106   877,815 15,067 SH   SOLE   15,067 0 0
MICROSOFT CORP COM 594918104   483,980 973 SH   SOLE   973 0 0
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   6,236,603 119,087 SH   SOLE   119,087 0 0
NORFOLK SOUTHN CORP COM 655844108   240,100 938 SH   SOLE   938 0 0
ACUITY INC COM 00508Y102   507,178 1,700 SH   SOLE   1,700 0 0
VANECK ETF TRUST FALLEN ANGEL HG 92189F437   5,739,573 196,024 SH   SOLE   196,024 0 0
VOYA GLBL EQTY DIV & PREM OP COM 92912T100   499,560 86,131 SH   SOLE   86,131 0 0
ASML HOLDING N V N Y REGISTRY SHS N07059210   660,356 824 SH   SOLE   824 0 0
FIRST TR EXCHANGE-TRADED FD NO AMER ENERGY 33738D101   2,481,268 66,150 SH   SOLE   66,150 0 0
COHEN & STEERS LTD DURATION COM 19248C105   477,190 22,745 SH   SOLE   22,745 0 0
ISHARES TR CORE MSCI EAFE 46432F842   25,126,862 300,993 SH   SOLE   300,993 0 0
KROGER CO COM 501044101   308,439 4,300 SH   SOLE   4,300 0 0
SPDR INDEX SHS FDS MSCI ACWI EXUS 78463X848   783,177 23,980 SH   SOLE   23,980 0 0
SPDR SERIES TRUST BLOOMBERG INVT 78468R200   2,243,488 72,770 SH   SOLE   72,770 0 0
CUMMINS INC COM 231021106   600,205 1,833 SH   SOLE   1,833 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   12,968,849 176,135 SH   SOLE   176,135 0 0
QUALCOMM INC COM 747525103   683,466 4,292 SH   SOLE   4,292 0 0
CISCO SYS INC COM 17275R102   752,327 10,844 SH   SOLE   10,844 0 0
AT&T INC COM 00206R102   320,232 11,065 SH   SOLE   11,065 0 0
VANGUARD BD INDEX FDS INTERMED TERM 921937819   2,721,536 35,189 SH   SOLE   35,189 0 0
SELECT SECTOR SPDR TR INDL 81369Y704   6,286,945 42,618 SH   SOLE   42,618 0 0
BLACKROCK CR ALLOCATION INCO COM 092508100   473,994 43,406 SH   SOLE   43,406 0 0
ISHARES TR CORE S&P500 ETF 464287200   63,814,310 102,777 SH   SOLE   102,777 0 0
LOCKHEED MARTIN CORP COM 539830109   896,821 1,936 SH   SOLE   1,936 0 0
CHEVRON CORP NEW COM 166764100   734,382 5,129 SH   SOLE   5,129 0 0
BANK AMERICA CORP COM 060505104   237,984 5,029 SH   SOLE   5,029 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   10,465,007 211,585 SH   SOLE   211,585 0 0
ISHARES TR IBOXX INV CP ETF 464287242   23,932,664 218,344 SH   SOLE   218,344 0 0
GILEAD SCIENCES INC COM 375558103   679,426 6,128 SH   SOLE   6,128 0 0
AMERICAN EXPRESS CO COM 025816109   685,597 2,149 SH   SOLE   2,149 0 0
ISHARES TR CORE DIV GRWTH 46434V621   5,241,738 81,979 SH   SOLE   81,979 0 0
VANGUARD BD INDEX FDS LONG TERM BOND 921937793   1,734,093 24,937 SH   SOLE   24,937 0 0
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   2,262,422 28,747 SH   SOLE   28,747 0 0
ISHARES TR MSCI INTL QUALTY 46434V456   1,099,470 25,439 SH   SOLE   25,439 0 0
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886   5,946,524 72,821 SH   SOLE   72,821 0 0
ISHARES TR CORE S&P MCP ETF 464287507   7,770,365 125,288 SH   SOLE   125,288 0 0
APPLE INC COM 037833100   478,337 2,331 SH   SOLE   2,331 0 0
MARSH & MCLENNAN COS INC COM 571748102   542,241 2,480 SH   SOLE   2,480 0 0
VANGUARD BD INDEX FDS INTERMED TERM 921937819   38,351 496 SH   SOLE   496 0 0
VANGUARD BD INDEX FDS LONG TERM BOND 921937793   25,678 369 SH   SOLE   369 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   150,329 2,042 SH   SOLE   2,042 0 0
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   31,690 403 SH   SOLE   403 0 0
ISHARES TR CORE S&P MCP ETF 464287507   163,764 2,640 SH   SOLE   2,640 0 0
ISHARES TR CORE S&P SCP ETF 464287804   79,396 726 SH   SOLE   726 0 0
ISHARES TR CORE S&P500 ETF 464287200   970,295 1,563 SH   SOLE   1,563 0 0
ISHARES TR IBOXX INV CP ETF 464287242   257,034 2,345 SH   SOLE   2,345 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   156,679 1,759 SH   SOLE   1,759 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   187,819 3,797 SH   SOLE   3,797 0 0
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   123,684 2,362 SH   SOLE   2,362 0 0
SELECT SECTOR SPDR TR INDL 81369Y704   123,049 834 SH   SOLE   834 0 0