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
ISHARES TR CORE DIV GRWTH 46434V621   3,134,424 51,099 SH   SOLE   51,099 0 0
ISHARES TR CORE S&P MCP ETF 464287507   10,247,103 164,454 SH   SOLE   164,454 0 0
ISHARES TR CORE S&P SCP ETF 464287804   2,575,797 22,355 SH   SOLE   22,355 0 0
ISHARES TR CORE S&P TTL STK 464287150   17,995,827 139,915 SH   SOLE   139,915 0 0
ISHARES TR RUSSELL 3000 ETF 464287689   11,923,844 35,673 SH   SOLE   35,673 0 0
ISHARES TR S&P 500 GRWT ETF 464287309   6,931,726 68,273 SH   SOLE   68,273 0 0
ISHARES TR US INFRASTRUC 46435U713   1,823,467 39,392 SH   SOLE   39,392 0 0
ISHARES TR U.S. TECH ETF 464287721   1,844,854 11,565 SH   SOLE   11,565 0 0
PACER FDS TR US CASH COWS 100 69374H881   10,127,057 179,303 SH   SOLE   179,303 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   30,560,695 1,318,408 SH   SOLE   1,318,408 0 0
VANGUARD INDEX FDS LARGE CAP ETF 922908637   13,729,871 50,908 SH   SOLE   50,908 0 0
GREIF INC CL A 397624107   595,920 9,750 SH   SOLE   9,750 0 0
NORTHERN LTS FD TR IV INSPIRE 100 ETF 66538H534   2,069,889 53,202 SH   SOLE   53,202 0 0
NORTHERN LTS FD TR IV INSPIRE 500 ETF 66537J796   11,520,844 54,013 SH   SOLE   54,013 0 0
TIMOTHY PLAN HIG DV STK ETF 887432326   2,064,049 56,774 SH   SOLE   56,774 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   14,033,383 23,944 SH   SOLE   23,944 0 0
BLACKROCK ETF TRUST II ISHARES FLEXIBLE 092528603   1,494,061 28,721 SH   SOLE   28,721 0 0
FIRST TR EXCHANGE-TRADED FD CAP STRENGTH ETF 33733E104   1,158,943 13,197 SH   SOLE   13,197 0 0
FIRST TR EXCHANGE-TRADED ALP SML CP GRW ALP 33737M300   2,443,779 31,561 SH   SOLE   31,561 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629   2,508,194 9,496 SH   SOLE   9,496 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751   1,203,247 5,008 SH   SOLE   5,008 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   5,765,327 208,059 SH   SOLE   208,059 0 0
ISHARES TR CORE S&P500 ETF 464287200   2,077,439 3,529 SH   SOLE   3,529 0 0
COLUMBIA ETF TR I MULTI SEC MUNI 19761L607   2,628,274 129,408 SH   SOLE   129,408 0 0
FIRST TR EXCHANGE-TRADED FD FST LOW OPPT EFT 33739Q200   244,074 5,015 SH   SOLE   5,015 0 0
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354   1,142,705 16,324 SH   SOLE   16,324 0 0
PACER FDS TR PACER US SMALL 69374H857   5,022,733 114,127 SH   SOLE   114,127 0 0
SPDR SER TR NUVEEN BLMBRG SH 78468R739   916,887 19,348 SH   SOLE   19,348 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   4,259,093 84,961 SH   SOLE   84,961 0 0
ISHARES TR CORE TOTAL USD 46434V613   5,269,786 116,588 SH   SOLE   116,588 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   4,582,142 177,190 SH   SOLE   177,190 0 0
FRANKLIN TEMPLETON ETF TR US MID CP MLTFCT 35473P884   2,126,948 39,163 SH   SOLE   39,163 0 0
AMERICAN CENTY ETF TR US QUALITY GROW 025072307   4,675,631 46,897 SH   SOLE   46,897 0 0
VANGUARD SCOTTSDALE FDS TOTAL WLD BD ETF 92206C565   1,197,083 17,555 SH   SOLE   17,555 0 0
ISHARES TR S&P MC 400GR ETF 464287606   229,549 2,524 SH   SOLE   2,524 0 0
ISHARES TR S&P MC 400VL ETF 464287705   204,809 1,639 SH   SOLE   1,639 0 0
SPDR SER TR PORTFOLIO S&P600 78468R853   413,198 9,199 SH   SOLE   9,199 0 0
FIRST TR EXCH TRADED FD III RIVRFRNT DYN DEV 33739P608   222,887 3,627 SH   SOLE   3,627 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   478,397 17,165 SH   SOLE   17,165 0 0
APPLE INC COM 037833100   721,197 2,880 SH   SOLE   2,880 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769   989,391 3,414 SH   SOLE   3,414 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   423,090 22,870 SH   SOLE   22,870 0 0
INVESCO EXCH TRADED FD TR II S&P MIDCP LOW 46138E198   883,891 14,533 SH   SOLE   14,533 0 0
EXXON MOBIL CORP COM 30231G102   419,308 3,898 SH   SOLE   3,898 0 0
NVIDIA CORPORATION COM 67066G104   255,689 1,904 SH   SOLE   1,904 0 0
BWX TECHNOLOGIES INC COM 05605H100   288,055 2,586 SH   SOLE   2,586 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736   342,551 835 SH   SOLE   835 0 0
ALPHABET INC CAP STK CL C 02079K107   959,437 5,038 SH   SOLE   5,038 0 0
MICROSOFT CORP COM 594918104   1,292,336 3,066 SH   SOLE   3,066 0 0
CSX CORP COM 126408103   210,336 6,518 SH   SOLE   6,518 0 0
UNITED PARCEL SERVICE INC CL B 911312106   1,221,657 9,688 SH   SOLE   9,688 0 0