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
AMAZON COM INC COM 023135106 BBG001S5PQL7 613,354 4,825 SH   SOLE   0 0 4,825
APPLE INC COM 037833100 BBG001S5N8V8 648,397 3,787 SH   SOLE   0 0 3,787
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708 BBG011DXY6D4 243,450 9,292 SH   SOLE   0 0 9,292
DUKE ENERGY CORP NEW COM NEW 26441C204 BBG001S5QNR7 329,874 3,738 SH   SOLE   0 0 3,738
GENUINE PARTS CO COM 372460105 BBG001S5RNH7 224,367 1,554 SH   SOLE   0 0 1,554
HOME DEPOT INC COM 437076102 BBG001S5RTW7 679,860 2,250 SH   SOLE   0 0 2,250
INVESCO EXCH TRADED FD TR II GLOBAL EX US HGH 46138E669 BBG004Q00341 239,147 12,660 SH   SOLE   0 0 12,660
INVESCO EXCH TRADED FD TR II SR LN ETF 46138G508 BBG001V0MBC0 4,398,342 209,545 SH   SOLE   0 0 209,545
INVESCO EXCH TRADED FD TR II VAR RATE PFD 46138G870 BBG006F9S8B0 3,955,333 176,814 SH   SOLE   0 0 176,814
ISHARES TR 0-5YR HI YL CP 46434V407 BBG005DW06B7 807,881 19,690 SH   SOLE   0 0 19,690
ISHARES TR BROAD USD HIGH 46435U853 BBG00J2DS0J6 8,203,490 236,344 SH   SOLE   0 0 236,344
ISHARES TR CMBS ETF 46429B366 BBG002NCLTH8 228,893 5,082 SH   SOLE   0 0 5,082
ISHARES TR CONV BD ETF 46435G102 BBG009BKDMM6 2,889,728 38,940 SH   SOLE   0 0 38,940
ISHARES TR CRE U S REIT ETF 464288521 BBG001ST7G55 1,609,871 34,122 SH   SOLE   0 0 34,122
ISHARES TR JPMORGAN USD EMG 464288281 BBG001SQS9Y2 2,525,845 30,609 SH   SOLE   0 0 30,609
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837 BBG00GP26NW0 785,116 15,646 SH   SOLE   0 0 15,646
LOWES COS INC COM 548661107 BBG001S5SVL3 352,497 1,696 SH   SOLE   0 0 1,696
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 BBG001T6L7C0 3,136,670 97,261 SH   SOLE   0 0 97,261
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854 BBG001T9F7C1 969,682 20,227 SH   SOLE   0 0 20,227
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 BBG001V036R6 6,487,938 95,862 SH   SOLE   0 0 95,862
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 BBG001T5XQW5 5,684,942 137,251 SH   SOLE   0 0 137,251
SCHWAB STRATEGIC TR US TIPS ETF 808524870 BBG001T9F777 2,991,386 59,247 SH   SOLE   0 0 59,247
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852 BBG00L5F9FV7 925,400 14,113 SH   SOLE   0 0 14,113
SELECT SECTOR SPDR TR ENERGY 81369Y506 BBG001S7T1S7 345,845 3,826 SH   SOLE   0 0 3,826
SELECT SECTOR SPDR TR FINANCIAL 81369Y605 BBG001S7T223 879,852 26,526 SH   SOLE   0 0 26,526
SELECT SECTOR SPDR TR INDL 81369Y704 BBG001S7T232 622,190 6,137 SH   SOLE   0 0 6,137
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 BBG001S7T1Q9 1,045,095 6,492 SH   SOLE   0 0 6,492
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308 BBG001S7T107 496,680 7,218 SH   SOLE   0 0 7,218
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 BBG001S7SCQ6 1,141,815 8,869 SH   SOLE   0 0 8,869
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886 BBG001S7TD56 215,337 3,654 SH   SOLE   0 0 3,654
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 BBG001S7TCZ5 2,791,923 17,031 SH   SOLE   0 0 17,031
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 BBG001SRXRJ1 6,662,691 214,856 SH   SOLE   0 0 214,856
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 BBG001SRXRD7 3,155,842 94,008 SH   SOLE   0 0 94,008
SPDR SER TR BLOOMBERG INVT 78468R200 BBG0029J2J00 616,581 20,071 SH   SOLE   0 0 20,071
SPDR SER TR PORTFOLIO AGRGTE 78464A649 BBG001STKD11 429,772 17,657 SH   SOLE   0 0 17,657
SPDR SER TR PORTFOLIO S&P400 78464A847 BBG001SPT9T9 207,479 4,738 SH   SOLE   0 0 4,738
SPDR SER TR PORTFOLIO S&P500 78464A854 BBG001SPTB87 716,007 14,246 SH   SOLE   0 0 14,246
SPDR SER TR PRTFLO S&P500 GW 78464A409 BBG001SD7RB9 12,038,477 203,078 SH   SOLE   0 0 203,078
SPDR SER TR PRTFLO S&P500 VL 78464A508 BBG001SG4284 10,119,888 245,271 SH   SOLE   0 0 245,271
UNITEDHEALTH GROUP INC COM 91324P102 BBG001S6WCJ1 435,072 863 SH   SOLE   0 0 863
VANGUARD INDEX FDS GROWTH ETF 922908736 BBG001SHTTS4 347,740 1,277 SH   SOLE   0 0 1,277
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 BBG001T2YZG9 847,472 9,095 SH   SOLE   0 0 9,095
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 BBG003H12XS7 294,933 6,238 SH   SOLE   0 0 6,238
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 BBG001T62M38 1,384,736 18,225 SH   SOLE   0 0 18,225
VANGUARD SCOTTSDALE FDS LG-TERM COR BD 92206C813 BBG001T62M56 3,501,959 48,896 SH   SOLE   0 0 48,896
VANGUARD SCOTTSDALE FDS LONG TERM TREAS 92206C847 BBG001T62MC8 2,601,306 46,862 SH   SOLE   0 0 46,862
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771 BBG001T62MF5 3,600,385 82,238 SH   SOLE   0 0 82,238
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 BBG001T62M74 14,330,884 248,800 SH   SOLE   0 0 248,800
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 BBG001T62KZ7 6,757,123 89,915 SH   SOLE   0 0 89,915