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
AFLAC INC COM 001055102   1,277 19,796 SH   SOLE   19,796 0 0
ABBVIE INC COM 00287Y109   2,020 12,677 SH   SOLE   12,677 0 0
AIR PRODS & CHEMS INC COM 009158106   1,961 6,829 SH   SOLE   6,829 0 0
ALLSTATE CORP COM 020002101   1,626 14,670 SH   SOLE   14,670 0 0
APPLE INC COM 037833100   1,823 11,056 SH   SOLE   11,056 0 0
BLACKROCK INC COM 09247X101   1,004 1,501 SH   SOLE   1,501 0 0
BROADCOM INC COM 11135F101   2,495 3,889 SH   SOLE   3,889 0 0
CHEVRON CORP NEW COM 166764100   1,243 7,621 SH   SOLE   7,621 0 0
CORNING INC COM 219350105   1,419 40,220 SH   SOLE   40,220 0 0
COSTCO WHSL CORP NEW COM 22160K105   1,502 3,022 SH   SOLE   3,022 0 0
CUMMINS INC COM 231021106   1,372 5,743 SH   SOLE   5,743 0 0
EXXON MOBIL CORP COM 30231G102   1,442 13,152 SH   SOLE   13,152 0 0
HOME DEPOT INC COM 437076102   1,507 5,105 SH   SOLE   5,105 0 0
INVESCO ACTVELY MNGD ETC FD OPTIMUM YIELD 46090F100   18 1,278 SH   SOLE   1,278 0 0
INVESCO EXCHANGE TRADED FD T AEROSPACE DEFN 46137V100   2 22 SH   SOLE   22 0 0
ISHARES INC MSCI GERMANY ETF 464286806   49 1,737 SH   SOLE   1,737 0 0
ISHARES TR S&P 500 INDEX 464287200   107 260 SH   SOLE   260 0 0
ISHARES TR CORE US AGGBD ET 464287226   22,416 224,975 SH   SOLE   224,975 0 0
ISHARES TR IBOXX INV CPBD 464287242   552 5,040 SH   SOLE   5,040 0 0
ISHARES TR 7-10 YR TRSY BD 464287440   96 971 SH   SOLE   971 0 0
ISHARES TR MRNGSTR LG-CP VL 464288109   50,793 794,886 SH   SOLE   794,886 0 0
ISHARES TR GL TIMB FORE ETF 464288174   234 3,268 SH   SOLE   3,268 0 0
ISHARES TR MRGSTR MD CP ETF 464288208   9,184 151,447 SH   SOLE   151,447 0 0
ISHARES TR MRGSTR MD CP GRW 464288307   9,399 163,298 SH   SOLE   163,298 0 0
ISHARES TR MRGSTR MD CP VAL 464288406   13,370 216,061 SH   SOLE   216,061 0 0
ISHARES TR MRGSTR SM CP GR 464288604   5,609 143,890 SH   SOLE   143,890 0 0
ISHARES TR MRNING SM CP ETF 464288703   9,684 185,643 SH   SOLE   185,643 0 0
ISHARES TR 0-5 YR TIPS ETF 46429B747   86 870 SH   SOLE   870 0 0
ISHARES TR BLACKROCK ULTRA 46434V878   103 2,052 SH   SOLE   2,052 0 0
ISHARES TR 0-3 MNTH TREASRY 46436E718   160 1,587 SH   SOLE   1,587 0 0
JPMORGAN CHASE & CO COM 46625H100   1,610 12,358 SH   SOLE   12,358 0 0
JOHNSON & JOHNSON COM 478160104   1,129 7,285 SH   SOLE   7,285 0 0
LISTED FD TR TEUCRIUM AGRI ST 53656F144   48 1,370 SH   SOLE   1,370 0 0
LOCKHEED MARTIN CORP COM 539830109   1,338 2,830 SH   SOLE   2,830 0 0
MERCK & CO INC COM 58933Y105   1,465 13,773 SH   SOLE   13,773 0 0
MICROSOFT CORP COM 594918104   1,734 6,015 SH   SOLE   6,015 0 0
NEXTERA ENERGY INC COM 65339F101   1,484 19,257 SH   SOLE   19,257 0 0
NORTHROP GRUMMAN CORP COM 666807102   1,373 2,974 SH   SOLE   2,974 0 0
PAYCHEX INC COM 704326107   1,411 12,313 SH   SOLE   12,313 0 0
PFIZER INC COM 717081103   511 12,518 SH   SOLE   12,518 0 0
PRICE T ROWE GROUP INC COM 74144T108   1,704 15,092 SH   SOLE   15,092 0 0
RAYTHEON TECHNOLOGIES CORP COM 75513E101   1,223 12,487 SH   SOLE   12,487 0 0
SPDR SER TR S&P DIVID ETF 78464A763   21 172 SH   SOLE   172 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   26,627 550,481 SH   SOLE   550,481 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   7,697 183,562 SH   SOLE   183,562 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   12,469 170,437 SH   SOLE   170,437 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   65,896 1,893,557 SH   SOLE   1,893,557 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870   31,378 585,298 SH   SOLE   585,298 0 0
SELECT SECTOR SPDR TR ENERGY 81369Y506   3,906 47,154 SH   SOLE   47,154 0 0
SOUTHERN CO COM 842587107   1,413 20,310 SH   SOLE   20,310 0 0
TEXAS INSTRS INC COM 882508104   1,913 10,284 SH   SOLE   10,284 0 0
UNION PAC CORP COM 907818108   1,340 6,660 SH   SOLE   6,660 0 0
UNITED PARCEL SERVICE INC CL B 911312106   1,886 9,724 SH   SOLE   9,724 0 0
VALERO ENERGY CORP COM 91913Y100   1,548 11,090 SH   SOLE   11,090 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   27,208 673,468 SH   SOLE   673,468 0 0
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874   81 1,324 SH   SOLE   1,324 0 0
VANGUARD WORLD FDS UTILITIES ETF 92204A876   205 1,392 SH   SOLE   1,392 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   19,138 251,059 SH   SOLE   251,059 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   6,207 77,377 SH   SOLE   77,377 0 0
WISDOMTREE TR EUROPE SMCP DV 97717W869   39 666 SH   SOLE   666 0 0
WISDOMTREE TR FLOATNG RAT TREA 97717Y527   1,419 28,232 SH   SOLE   28,232 0 0
WORLD GOLD TR SPDR GLD MINIS 98149E303   118 3,015 SH   SOLE   3,015 0 0
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   1,699 5,946 SH   SOLE   5,946 0 0
MEDTRONIC PLC SHS G5960L103   1,503 18,643 SH   SOLE   18,643 0 0