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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
AMAZON COM INC COM 023135106 BBG001S5PQL7 592,486 4,545 SH   SOLE   0 0 4,545
APPLE INC COM 037833100 BBG001S5N8V8 662,298 3,414 SH   SOLE   0 0 3,414
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708 BBG011DXY6D4 272,260 10,028 SH   SOLE   0 0 10,028
DUKE ENERGY CORP NEW COM NEW 26441C204 BBG001S5QNR7 305,701 3,407 SH   SOLE   0 0 3,407
GENUINE PARTS CO COM 372460105 BBG001S5RNH7 262,983 1,554 SH   SOLE   0 0 1,554
HOME DEPOT INC COM 437076102 BBG001S5RTW7 698,940 2,250 SH   SOLE   0 0 2,250
INVESCO EXCH TRADED FD TR II GBL SRT TRM HY 46138E669 BBG004Q00341 238,645 12,314 SH   SOLE   0 0 12,314
INVESCO EXCH TRADED FD TR II SR LN ETF 46138G508 BBG001V0MBC0 3,961,569 188,288 SH   SOLE   0 0 188,288
INVESCO EXCH TRADED FD TR II VAR RATE PFD 46138G870 BBG006F9S8B0 3,758,648 168,928 SH   SOLE   0 0 168,928
ISHARES INC JP MRGN EM HI BD 464286285 BBG002VCZQS8 315,748 8,988 SH   SOLE   0 0 8,988
ISHARES TR 0-5YR HI YL CP 46434V407 BBG005DW06B7 834,015 20,121 SH   SOLE   0 0 20,121
ISHARES TR BROAD USD HIGH 46435U853 BBG00J2DS0J6 7,968,216 225,729 SH   SOLE   0 0 225,729
ISHARES TR CMBS ETF 46429B366 BBG002NCLTH8 234,416 5,112 SH   SOLE   0 0 5,112
ISHARES TR CONV BD ETF 46435G102 BBG009BKDMM6 2,844,601 37,253 SH   SOLE   0 0 37,253
ISHARES TR CRE U S REIT ETF 464288521 BBG001ST7G55 1,654,507 32,183 SH   SOLE   0 0 32,183
ISHARES TR JPMORGAN USD EMG 464288281 BBG001SQS9Y2 2,651,283 30,637 SH   SOLE   0 0 30,637
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837 BBG00GP26NW0 752,952 15,017 SH   SOLE   0 0 15,017
LOWES COS INC COM 548661107 BBG001S5SVL3 385,721 1,709 SH   SOLE   0 0 1,709
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 BBG001T6L7C0 3,092,032 91,562 SH   SOLE   0 0 91,562
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854 BBG001T9F7C1 721,804 14,647 SH   SOLE   0 0 14,647
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 BBG001V036R6 6,499,698 91,506 SH   SOLE   0 0 91,506
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 BBG001T5XQW5 5,790,519 132,204 SH   SOLE   0 0 132,204
SCHWAB STRATEGIC TR US TIPS ETF 808524870 BBG001T9F777 2,923,261 55,756 SH   SOLE   0 0 55,756
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852 BBG00L5F9FV7 884,252 13,587 SH   SOLE   0 0 13,587
SELECT SECTOR SPDR TR ENERGY 81369Y506 BBG001S7T1S7 284,513 3,505 SH   SOLE   0 0 3,505
SELECT SECTOR SPDR TR FINANCIAL 81369Y605 BBG001S7T223 731,963 21,714 SH   SOLE   0 0 21,714
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 BBG001S7T1Q9 1,275,796 7,513 SH   SOLE   0 0 7,513
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308 BBG001S7T107 330,735 4,459 SH   SOLE   0 0 4,459
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 BBG001S7SCQ6 1,087,212 8,191 SH   SOLE   0 0 8,191
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704 BBG001S7T232 713,485 6,648 SH   SOLE   0 0 6,648
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 BBG001S7TCZ5 2,961,217 17,032 SH   SOLE   0 0 17,032
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 BBG001SRXRJ1 6,597,843 202,761 SH   SOLE   0 0 202,761
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 BBG001SRXRD7 3,047,323 88,637 SH   SOLE   0 0 88,637
SPDR SER TR BLOOMBERG INVT 78468R200 BBG0029J2J00 613,493 19,990 SH   SOLE   0 0 19,990
SPDR SER TR PORTFOLIO AGRGTE 78464A649 BBG001STKD11 367,967 14,504 SH   SOLE   0 0 14,504
SPDR SER TR PORTFOLIO S&P400 78464A847 BBG001SPT9T9 228,626 4,982 SH   SOLE   0 0 4,982
SPDR SER TR PORTFOLIO S&P500 78464A854 BBG001SPTB87 613,390 11,771 SH   SOLE   0 0 11,771
SPDR SER TR PRTFLO S&P500 GW 78464A409 BBG001SD7RB9 12,154,963 199,229 SH   SOLE   0 0 199,229
SPDR SER TR PRTFLO S&P500 VL 78464A508 BBG001SG4284 10,130,726 234,508 SH   SOLE   0 0 234,508
UNITEDHEALTH GROUP INC COM 91324P102 BBG001S6WCJ1 414,750 863 SH   SOLE   0 0 863
VANGUARD INDEX FDS GROWTH ETF 922908736 BBG001SHTTS4 392,466 1,387 SH   SOLE   0 0 1,387
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 BBG001T2YZG9 560,447 5,779 SH   SOLE   0 0 5,779
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 BBG001T62M38 1,034,898 13,095 SH   SOLE   0 0 13,095
VANGUARD SCOTTSDALE FDS LG-TERM COR BD 92206C813 BBG001T62M56 3,739,264 47,640 SH   SOLE   0 0 47,640
VANGUARD SCOTTSDALE FDS LONG TERM TREAS 92206C847 BBG001T62MC8 2,671,500 42,051 SH   SOLE   0 0 42,051
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771 BBG001T62MF5 3,681,890 80,059 SH   SOLE   0 0 80,059
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 BBG001T62M74 14,024,436 242,932 SH   SOLE   0 0 242,932
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 BBG001T62KZ7 6,538,537 86,420 SH   SOLE   0 0 86,420
VANGUARD WORLD FDS INF TECH ETF 92204A702 BBG001SHTTR5 313,491 709 SH   SOLE   0 0 709