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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
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   32,345,715 617,638 SH   SOLE   617,638 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   18,536,040 260,961 SH   SOLE   260,961 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   16,999,010 388,105 SH   SOLE   388,105 0 0
ISHARES TR CMBS ETF 46429B366   358,915 7,827 SH   SOLE   7,827 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   1,995,503 55,975 SH   SOLE   55,975 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   434,390 9,411 SH   SOLE   9,411 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   365,547 4,375 SH   SOLE   4,375 0 0
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   1,247,262 25,517 SH   SOLE   25,517 0 0
GREIF INC CL A 397624107   671,678 9,750 SH   SOLE   9,750 0 0
FIRST TR EXCH TRADED FD III MANAGD MUN ETF 33739N108   2,188,465 43,182 SH   SOLE   43,182 0 0
FRANKLIN TEMPLETON ETF TR US MID CP MLTFCT 35473P884   6,539,891 145,655 SH   SOLE   145,655 0 0
PACER FDS TR PACER US SMALL 69374H857   10,431,068 256,292 SH   SOLE   256,292 0 0
SPDR SER TR BBG CONV SEC ETF 78464A359   2,239,139 32,011 SH   SOLE   32,011 0 0
SPDR SER TR NUVEEN BLMBRG SH 78468R739   4,370,495 92,890 SH   SOLE   92,890 0 0
VANGUARD SCOTTSDALE FDS TOTAL WLD BD ETF 92206C565   8,510,241 124,382 SH   SOLE   124,382 0 0
COLUMBIA ETF TR I MULTI SEC MUNI 19761L607   7,528,989 367,089 SH   SOLE   367,089 0 0
PACER FDS TR US CASH COWS 100 69374H881   13,600,725 284,118 SH   SOLE   284,118 0 0
FIRST TR EXCHANGE-TRADED FD FST LOW OPPT EFT 33739Q200   1,234,973 25,907 SH   SOLE   25,907 0 0
FIRST TR EXCHANGE-TRADED ALP SML CP GRW ALP 33737M300   3,418,972 56,789 SH   SOLE   56,789 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629   3,355,179 15,240 SH   SOLE   15,240 0 0
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354   1,433,023 22,815 SH   SOLE   22,815 0 0
ISHARES TR CORE S&P500 ETF 464287200   1,474,738 3,309 SH   SOLE   3,309 0 0
FIRST TR EXCHANGE-TRADED FD CAP STRENGTH ETF 33733E104   4,303,797 57,323 SH   SOLE   57,323 0 0
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   226,435 4,711 SH   SOLE   4,711 0 0
INVESTMENT MANAGERS SER TR I AXS CHANGE FINAN 46144X107   214,608 6,863 SH   SOLE   6,863 0 0
NUSHARES ETF TR NUVEEN ESG INTL 67092P805   498,720 17,221 SH   SOLE   17,221 0 0
NUSHARES ETF TR NUVEEN SHRT TERM 67092P706   480,689 15,802 SH   SOLE   15,802 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751   1,470,562 7,394 SH   SOLE   7,394 0 0
VANECK ETF TRUST GREEN BOND ETF 92189F171   274,586 11,787 SH   SOLE   11,787 0 0
AMERICAN CENTY ETF TR US QUALITY GROW 025072307   2,553,179 36,944 SH   SOLE   36,944 0 0
FIRST TR EXCHNG TRADED FD VI TCW OPPORTUNIS 33740F805   734,432 16,627 SH   SOLE   16,627 0 0
INVESCO EXCH TRADED FD TR II S&P MIDCP LOW 46138E198   1,108,937 21,429 SH   SOLE   21,429 0 0
ISHARES TR S&P 500 GRWT ETF 464287309   400,633 5,684 SH   SOLE   5,684 0 0
ISHARES TR S&P MC 400VL ETF 464287705   288,095 2,689 SH   SOLE   2,689 0 0
ISHARES TR CORE S&P MCP ETF 464287507   1,609,237 6,154 SH   SOLE   6,154 0 0
SPDR SER TR PORTFOLIO S&P600 78468R853   673,740 17,347 SH   SOLE   17,347 0 0
FIRST TR EXCH TRADED FD III HORIZON MNGD ETF 33739P871   341,579 11,984 SH   SOLE   11,984 0 0
FIRST TR EXCH TRADED FD III RIVRFRNT DYN DEV 33739P608   1,560,166 27,299 SH   SOLE   27,299 0 0
SPDR GOLD TR GOLD SHS 78463V107   211,428 1,186 SH   SOLE   1,186 0 0
ISHARES TR CORE S&P SCP ETF 464287804   830,589 8,335 SH   SOLE   8,335 0 0
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   259,791 7,984 SH   SOLE   7,984 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   337,793 4,507 SH   SOLE   4,507 0 0
APPLE INC COM 037833100   482,415 2,487 SH   SOLE   2,487 0 0
EXXON MOBIL CORP COM 30231G102   416,918 3,887 SH   SOLE   3,887 0 0
CSX CORP COM 126408103   222,264 6,518 SH   SOLE   6,518 0 0
NEXTERA ENERGY INC COM 65339F101   210,420 2,836 SH   SOLE   2,836 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736   266,564 942 SH   SOLE   942 0 0
PROCTER AND GAMBLE CO COM 742718109   276,696 1,823 SH   SOLE   1,823 0 0
UNITED PARCEL SERVICE INC CL B 911312106   1,738,904 9,701 SH   SOLE   9,701 0 0