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
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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
INVESCO EXCH TRD SLF IDX FD BULSHS 2024 CB 46138J841   21,411 1,040,864 SH   SOLE   0 0 1,040,864
MICROSOFT CORP COM 594918104   2,466 7,242 SH   SOLE   0 0 7,242
HOME DEPOT INC COM 437076102   463 1,492 SH   SOLE   0 0 1,492
ORACLE CORP COM 68389X105   356 2,987 SH   SOLE   0 0 2,987
INVESCO EXCH TRD SLF IDX FD BULSHS 2023 CB 46138J866   401 18,934 SH   SOLE   0 0 18,934
AMAZON INC COM COM 023135106   628 4,820 SH   SOLE   0 0 4,820
MASTERCARD INCORPORATED CL A 57636Q104   339 862 SH   SOLE   0 0 862
VANGUARD INDEX FDS GROWTH ETF 922908736   61,238 216,419 SH   SOLE   0 0 216,419
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   809 10,709 SH   SOLE   0 0 10,709
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407   271 1,598 SH   SOLE   0 0 1,598
SPDR S&P 500 ETF TR TR UNIT 78462F103   1,223 2,758 SH   SOLE   0 0 2,758
ISHARES TR CORE 1 5 YR USD 46432F859   224 4,793 SH   SOLE   0 0 4,793
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   243,621 4,651,918 SH   SOLE   0 0 4,651,918
CONSOLIDATED EDISON INC COM 209115104   313 3,459 SH   SOLE   0 0 3,459
ISHARES TR RUS 1000 ETF 464287622   9,110 37,376 SH   SOLE   0 0 37,376
ISHARES TR 0-5 YR TIPS ETF 46429B747   3,184 32,620 SH   SOLE   0 0 32,620
ISHARES TR RUS 1000 GRW ETF 464287614   321 1,167 SH   SOLE   0 0 1,167
PFIZER INC COM 717081103   232 6,323 SH   SOLE   0 0 6,323
PHILIP MORRIS INTL INC COM 718172109   255 2,608 SH   SOLE   0 0 2,608
BRISTOL-MYERS SQUIBB CO COM 110122108   1,284 20,083 SH   SOLE   0 0 20,083
ZIMMER BIOMET HOLDINGS INC COM 98956P102   200 1,372 SH   SOLE   0 0 1,372
ISHARES TR TIPS BD ETF 464287176   53,457 496,721 SH   SOLE   0 0 496,721
ISHARES TR CORE US AGGBD ET 464287226   66,355 677,433 SH   SOLE   0 0 677,433
COSTCO WHSL CORP NEW COM 22160K105   234 435 SH   SOLE   0 0 435
APPLE INC COM 037833100   4,341 22,380 SH   SOLE   0 0 22,380
NEXTERA ENERGY INC COM 65339F101   656 8,839 SH   SOLE   0 0 8,839
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   328 1,888 SH   SOLE   0 0 1,888
PROCTER AND GAMBLE CO COM 742718109   245 1,616 SH   SOLE   0 0 1,616
ALPHABET INC CAP STK CL A 02079K305   211 1,760 SH   SOLE   0 0 1,760
UNION PAC CORP COM 907818108   280 1,366 SH   SOLE   0 0 1,366
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109   28,463 82,777 SH   SOLE   0 0 82,777
INTERNATIONAL BUSINESS MACHS COM 459200101   499 3,725 SH   SOLE   0 0 3,725
VANGUARD INDEX FDS TOTAL STK MKT 922908769   549 2,491 SH   SOLE   0 0 2,491
ISHARES TR CORE S&P MCP ETF 464287507   1,735 6,637 SH   SOLE   0 0 6,637
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   608 12,824 SH   SOLE   0 0 12,824
CHEVRON CORP NEW COM 166764100   505 3,207 SH   SOLE   0 0 3,207
TELOS CORP MD COM 87969B101   117 45,704 SH   SOLE   0 0 45,704
JOHNSON & JOHNSON COM 478160104   213 1,287 SH   SOLE   0 0 1,287
SPROTT PHYSICAL GOLD TR UNIT 85207H104   175 11,700 SH   SOLE   0 0 11,700
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   18,607 261,955 SH   SOLE   0 0 261,955
WP CAREY INC COM 92936U109   637 9,433 SH   SOLE   0 0 9,433
SCHWAB STRATEGIC TR 5 10YR CORP BD 808524698   13,667 310,271 SH   SOLE   0 0 310,271
LILLY ELI & CO COM 532457108   356 760 SH   SOLE   0 0 760
3M CO COM 88579Y101   230 2,300 SH   SOLE   0 0 2,300
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   1,273 29,057 SH   SOLE   0 0 29,057
ISHARES TR U.S. MED DVC ETF 464288810   221 3,923 SH   SOLE   0 0 3,923
ISHARES TR IBONDS 23 TRM TS 46436E882   57,540 2,319,219 SH   SOLE   0 0 2,319,219
VANGUARD WORLD FD MEGA GRWTH IND 921910816   391 1,661 SH   SOLE   0 0 1,661
MERCK & CO INC COM 58933Y105   342 2,966 SH   SOLE   0 0 2,966
PEPSICO INC COM 713448108   359 1,936 SH   SOLE   0 0 1,936
CACI INTL INC CL A 127190304   300 881 SH   SOLE   0 0 881
ISHARES TR IBONDS 24 TRM TS 46436E874   42,028 1,765,903 SH   SOLE   0 0 1,765,903
SCIENCE APPLICATIONS INTL CO COM 808625107   283 2,512 SH   SOLE   0 0 2,512
MCDONALDS CORP COM 580135101   223 746 SH   SOLE   0 0 746
ISHARES TR CORE S&P500 ETF 464287200   22,882 51,338 SH   SOLE   0 0 51,338
ISHARES TR RUSSELL 2000 ETF 464287655   219 1,172 SH   SOLE   0 0 1,172
JPMORGAN CHASE & CO COM 46625H100   324 2,225 SH   SOLE   0 0 2,225
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   224 726 SH   SOLE   0 0 726
SOUTHERN CO COM 842587107   228 3,251 SH   SOLE   0 0 3,251
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   713 2,091 SH   SOLE   0 0 2,091
NVIDIA CORPORATION COM 67066G104   364 860 SH   SOLE   0 0 860
ISHARES TR RUSSELL 3000 ETF 464287689   20,301 79,775 SH   SOLE   0 0 79,775
LOCKHEED MARTIN CORP COM 539830109   233 507 SH   SOLE   0 0 507
SPDR SER TR PORTFOLIO S&P500 78464A854   333 6,384 SH   SOLE   0 0 6,384
L3HARRIS TECHNOLOGIES INC COM 502431109   234 1,195 SH   SOLE   0 0 1,195
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704   37,444 348,902 SH   SOLE   0 0 348,902
INVESCO EXCH TRD SLF IDX FD BULSHS 2025 CB 46138J825   20,045 995,770 SH   SOLE   0 0 995,770
EXXON MOBIL CORP COM 30231G102   4,617 43,051 SH   SOLE   0 0 43,051
TEXAS INSTRS INC COM 882508104   450 2,502 SH   SOLE   0 0 2,502
MARRIOTT INTL INC NEW CL A 571903202   678 3,690 SH   SOLE   0 0 3,690
DOMINION ENERGY INC COM 25746U109   578 11,166 SH   SOLE   0 0 11,166
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   23,100 685,250 SH   SOLE   0 0 685,250
METTLER TOLEDO INTERNATIONAL COM 592688105   652 497 SH   SOLE   0 0 497
PPG INDS INC COM 693506107   222 1,500 SH   SOLE   0 0 1,500
FIRST TR EXCHANGE TRADED FD CLOUD COMPUTING 33734X192   200 2,637 SH   SOLE   0 0 2,637
VISA INC COM CL A 92826C839   226 952 SH   SOLE   0 0 952