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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 990 31,603 SH   SOLE   0 0 31,603
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 434 11,564 SH   SOLE   0 0 11,564
SPDR SERIES TRUST PORTFOLIO SM ETF 78468R853 5,069 155,365 SH   SOLE   0 0 155,365
SPDR SERIES TRUST PORTFOLIO TL STK 78464A805 3,491 87,587 SH   SOLE   0 0 87,587
ISHARES TR CORE DIV GRWTH 46434V621 12,683 301,482 SH   SOLE   0 0 301,482
ISHARES TR CORE S&P500 ETF 464287200 30,441 94,176 SH   SOLE   0 0 94,176
ISHARES TR MSCI MIN VOL ETF 46429B697 8,850 134,910 SH   SOLE   0 0 134,910
ISHARES TR MULTIFACTOR INTL 46434V274 1,989 73,536 SH   SOLE   0 0 73,536
ISHARES TR USA QUALITY FCTR 46432F339 11,550 114,366 SH   SOLE   0 0 114,366
ISHARES TR USA MOMENTUM FCT 46432F396 1,224 9,755 SH   SOLE   0 0 9,755
ISHARES TR CORE INTL AGGR 46435G672 4,922 89,834 SH   SOLE   0 0 89,834
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 1,858 36,820 SH   SOLE   0 0 36,820
ISHARES TR 0-5YR HI YL CP 46434V407 286 6,165 SH   SOLE   0 0 6,165
ISHARES TR CUR HD EURZN ETF 46434V639 248 7,814 SH   SOLE   0 0 7,814
ISHARES TR MBS ETF 464288588 208 1,925 SH   SOLE   0 0 1,925
SPDR SERIES TRUST PRTFLO S&P500 HI 78468R788 470 11,930 SH   SOLE   0 0 11,930
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 2,411 26,403 SH   SOLE   0 0 26,403
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 238 2,570 SH   SOLE   0 0 2,570
ISHARES TR CORE TOTAL USD 46434V613 907 17,414 SH   SOLE   0 0 17,414
VANGUARD WHITEHALL FDS INC HIGH DIV YLD 921946406 2,117 22,598 SH   SOLE   0 0 22,598
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 1,687 20,821 SH   SOLE   0 0 20,821
VANGUARD WORLD FD ESG US STK ETF 921910733 1,212 21,425 SH   SOLE   0 0 21,425
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 390 4,203 SH   SOLE   0 0 4,203
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 205 3,421 SH   SOLE   0 0 3,421
EXXON MOBIL CORP COM 30231G102 214 3,078 SH   SOLE   0 0 3,078
VANGUARD INDEX FDS MID CAP ETF 922908629 303 1,701 SH   SOLE   0 0 1,701
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 244 4,326 SH   SOLE   0 0 4,326
AT&T INC COM 00206R102 347 8,883 SH   SOLE   0 0 8,883
SPDR GOLD TRUST GOLD SHS 78463V107 301 2,113 SH   SOLE   0 0 2,113
VANGUARD GROUP DIV APP ETF 921908844 289 2,321 SH   SOLE   0 0 2,321
VERIZON COMMUNICATIONS INC COM 92343V104 245 3,991 SH   SOLE   0 0 3,991
NEXTERA ENERGY INC COM 65339F101 248 1,028 SH   SOLE   0 0 1,028
PROSHARES TR S&P 500 DV ARIST 74348A467 302 3,998 SH   SOLE   0 0 3,998
APPLE INC COM 037833100 725 2,472 SH   SOLE   0 0 2,472
VANGUARD INDEX FDS VALUE ETF 922908744 399 3,333 SH   SOLE   0 0 3,333
COCA COLA CO COM 191216100 255 4,618 SH   SOLE   0 0 4,618
MICROSOFT CORP COM 594918104 259 1,645 SH   SOLE   0 0 1,645
MGE ENERGY INC COM 55277P104 245 3,119 SH   SOLE   0 0 3,119
ECOLAB INC COM 278865100 1,203 6,237 SH   SOLE   0 0 6,237
DOMINION ENERGY INC COM 25746U109 234 2,832 SH   SOLE   0 0 2,832
ARROWHEAD PHARMACEUTICALS IN COM 04280A100 227 3,591 SH   SOLE   0 0 3,591