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
Estimated average burden
hours per response: 23.8
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
3M CO COM 88579Y101 240 1,615 SH   SOLE 0 0 0 1,615
ABBOTT LABS COM 002824100 279 2,360 SH   SOLE 0 0 0 2,360
ABBVIE INC COM 00287Y109 349 2,151 SH   SOLE 0 0 0 2,151
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 342 1,015 SH   SOLE 0 0 0 1,015
ADOBE SYSTEMS INCORPORATED COM 00724F101 230 505 SH   SOLE 0 0 0 505
AFLAC INC COM 001055102 289 4,493 SH   SOLE 0 0 0 4,493
ALPHA ARCHITECT ETF TR US QUAN VALUE 02072L102 7,135 195,040 SH   SOLE 0 0 0 195,040
ALPHA ARCHITECT ETF TR INTL QUAN VALUE 02072L201 3,603 135,876 SH   SOLE 0 0 0 135,876
ALPHA ARCHITECT ETF TR US QUAN MOMENTUM 02072L409 6,131 124,091 SH   SOLE 0 0 0 124,091
ALPHA ARCHITECT ETF TR INTL QUAN MOMNTM 02072L300 3,299 112,174 SH   SOLE 0 0 0 112,174
ALPHA ARCHITECT ETF TR FREEDOM 100 EM 02072L607 14,031 410,622 SH   SOLE 0 0 0 410,622
ALPHABET INC CAP STK CL C 02079K107 1,000 358 SH   SOLE 0 0 0 358
ALPHABET INC CAP STK CL A 02079K305 876 315 SH   SOLE 0 0 0 315
ALTRIA GROUP INC COM 02209S103 518 9,923 SH   SOLE 0 0 0 9,923
AMAZON COM INC COM 023135106 698 214 SH   SOLE 0 0 0 214
AMERIPRISE FINL INC COM 03076C106 421 1,402 SH   SOLE 0 0 0 1,402
AMERISOURCEBERGEN CORP COM 03073E105 299 1,933 SH   SOLE 0 0 0 1,933
AMGEN INC COM 031162100 752 3,108 SH   SOLE 0 0 0 3,108
AMPLIFY ETF TR BLACKSWAN GRWT 032108888 4,159 132,777 SH   SOLE 0 0 0 132,777
AMPLIFY ETF TR BLACKSWAN ISWN 032108821 1,732 77,041 SH   SOLE 0 0 0 77,041
ANTHEM INC COM 036752103 295 600 SH   SOLE 0 0 0 600
APPLE INC COM 037833100 8,481 48,571 SH   SOLE 0 0 0 48,571
ASTRAZENECA PLC SPONSORED ADR 046353108 356 5,360 SH   SOLE 0 0 0 5,360
AUTOZONE INC COM 053332102 360 176 SH   SOLE 0 0 0 176
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,444 4,092 SH   SOLE 0 0 0 4,092
BLACKROCK INC COM 09247X101 260 340 SH   SOLE 0 0 0 340
BLACKSTONE INC COM 09260D107 273 2,151 SH   SOLE 0 0 0 2,151
BOOKING HOLDINGS INC COM 09857L108 268 114 SH   SOLE 0 0 0 114
CANADIAN NATL RY CO COM 136375102 359 2,678 SH   SOLE 0 0 0 2,678
CARMAX INC COM 143130102 271 2,813 SH   SOLE 0 0 0 2,813
CHUNGHWA TELECOM CO LTD SPON ADR NEW11 17133Q502 291 6,541 SH   SOLE 0 0 0 6,541
CISCO SYS INC COM 17275R102 780 13,982 SH   SOLE 0 0 0 13,982
COCA COLA CO COM 191216100 237 3,830 SH   SOLE 0 0 0 3,830
COLGATE PALMOLIVE CO COM 194162103 257 3,395 SH   SOLE 0 0 0 3,395
CONAGRA BRANDS INC COM 205887102 300 8,931 SH   SOLE 0 0 0 8,931
COSTCO WHSL CORP NEW COM 22160K105 769 1,336 SH   SOLE 0 0 0 1,336
DOLLAR GEN CORP NEW COM 256677105 221 993 SH   SOLE 0 0 0 993
EDWARDS LIFESCIENCES CORP COM 28176E108 348 2,957 SH   SOLE 0 0 0 2,957
EXXON MOBIL CORP COM 30231G102 2,474 29,960 SH   SOLE 0 0 0 29,960
FISERV INC COM 337738108 765 7,543 SH   SOLE 0 0 0 7,543
FS KKR CAP CORP COM 302635206 1,368 59,931 SH   SOLE 0 0 0 59,931
GERDAU SA SPON ADR REP PFD 373737105 452 70,268 SH   SOLE 0 0 0 70,268
GOLDMAN SACHS ETF TR ACTIVEBETA US LG 381430503 14,949 167,893 SH   SOLE 0 0 0 167,893
GOLDMAN SACHS ETF TR ACTIVEBETA EME 381430206 883 26,050 SH   SOLE 0 0 0 26,050
GOLDMAN SACHS ETF TR ACTIVEBETA INT 381430107 14,235 434,920 SH   SOLE 0 0 0 434,920
GOLDMAN SACHS ETF TR ACES ULTRA SHR 381430230 501 9,974 SH   SOLE 0 0 0 9,974
GRAINGER W W INC COM 384802104 451 874 SH   SOLE 0 0 0 874
HOME DEPOT INC COM 437076102 334 1,116 SH   SOLE 0 0 0 1,116
HONEYWELL INTL INC COM 438516106 271 1,393 SH   SOLE 0 0 0 1,393
INFOSYS LTD SPONSORED ADR 456788108 296 11,874 SH   SOLE 0 0 0 11,874
INNOVATOR ETFS TR US EQUT BUFR AUG 45782C698 262 8,000 SH   SOLE 0 0 0 8,000
INNOVATOR ETFS TR US EQTY BUF SEP 45782C664 672 20,578 SH   SOLE 0 0 0 20,578
INNOVATOR ETFS TR US EQTY ULTRA BU 45782C565 523 17,958 SH   SOLE 0 0 0 17,958
INNOVATOR ETFS TR US EQTY BUF DEC 45782C557 677 19,776 SH   SOLE 0 0 0 19,776
INNOVATOR ETFS TR US SML CP PWR ET 45782C342 411 15,312 SH   SOLE 0 0 0 15,312
INNOVATOR ETFS TR US EQTY PWR BUF 45782C318 802 26,171 SH   SOLE 0 0 0 26,171
INNOVATOR ETFS TR US EQTY BUFR MAR 45782C326 1,240 37,861 SH   SOLE 0 0 0 37,861
INNOVATOR ETFS TR US SML CP PWR B 45782C284 406 15,786 SH   SOLE 0 0 0 15,786
INNOVATOR ETFS TR US EQT ULTRA BF 45782C839 523 19,014 SH   SOLE 0 0 0 19,014
INNOVATOR ETFS TR US EQTY BUFR JUL 45782C789 1,139 34,522 SH   SOLE 0 0 0 34,522
INNOVATOR ETFS TR US EQTY PWR BUF 45782C508 1,409 43,261 SH   SOLE 0 0 0 43,261
INNOVATOR ETFS TR US EQTY BUFR JAN 45782C409 1,051 29,095 SH   SOLE 0 0 0 29,095
INNOVATOR ETFS TR US EQT ULTRA BF 45782C300 524 16,924 SH   SOLE 0 0 0 16,924
INNOVATOR ETFS TR US EQT ULTRA BF 45782C805 521 19,692 SH   SOLE 0 0 0 19,692
INTEL CORP COM 458140100 521 10,512 SH   SOLE 0 0 0 10,512
INVESCO EXCH TRADED FD TR II FTSE RAFI DEV 46138E743 202 4,384 SH   SOLE 0 0 0 4,384
INVESCO EXCHANGE TRADED FD T S&P500 EQL TEC 46137V282 347 1,200 SH   SOLE 0 0 0 1,200
ISHARES INC MSCI EMERG MRKT 464286533 598 9,802 SH   SOLE 0 0 0 9,802
ISHARES INC CORE MSCI EMKT 46434G103 379 6,830 SH   SOLE 0 0 0 6,830
ISHARES TR CORE MSCI EAFE 46432F842 291 4,183 SH   SOLE 0 0 0 4,183
ISHARES TR MSCI USA QLT FCT 46432F339 29,205 216,928 SH   SOLE 0 0 0 216,928
ISHARES TR 0-5YR HI YL CP 46434V407 31,451 715,443 SH   SOLE 0 0 0 715,443
ISHARES TR MSCI USA MMENTM 46432F396 28,739 170,791 SH   SOLE 0 0 0 170,791
ISHARES TR MSCI USA VALUE 46432F388 39,337 376,180 SH   SOLE 0 0 0 376,180
ISHARES TR MSCI USA MIN VOL 46429B697 2,202 28,381 SH   SOLE 0 0 0 28,381
ISHARES TR MSCI EAFE MIN VL 46429B689 1,666 23,096 SH   SOLE 0 0 0 23,096
ISHARES TR IBOXX HI YD ETF 464288513 296 3,591 SH   SOLE 0 0 0 3,591
ISHARES TR IBONDS DEC2023 46435G318 215 8,448 SH   SOLE 0 0 0 8,448
ISHARES TR MSCI INTL VLU FT 46435G409 21,342 838,585 SH   SOLE 0 0 0 838,585
ISHARES TR MSCI INTL MOMENT 46434V449 15,761 444,463 SH   SOLE 0 0 0 444,463
ISHARES TR MSCI INTL QUALTY 46434V456 15,672 425,047 SH   SOLE 0 0 0 425,047
ISHARES TR IBONDS DEC23 ETF 46434VAX8 464 18,348 SH   SOLE 0 0 0 18,348
ISHARES TR IBONDS DEC25 ETF 46434VBD1 391 15,492 SH   SOLE 0 0 0 15,492
ISHARES TR IBONDS DEC22 ETF 46434VBA7 460 18,377 SH   SOLE 0 0 0 18,377
ISHARES TR IBONDS DEC24 ETF 46434VBG4 392 15,618 SH   SOLE 0 0 0 15,618
ISHARES TR CORE S&P SCP ETF 464287804 299 2,774 SH   SOLE 0 0 0 2,774
ISHARES TR CORE S&P500 ETF 464287200 295 651 SH   SOLE 0 0 0 651
ISHARES TR MSCI AC ASIA ETF 464288182 645 8,602 SH   SOLE 0 0 0 8,602
ISHARES TR IBONDS DEC2022 46435G755 279 10,753 SH   SOLE 0 0 0 10,753
ISHARES U S ETF TR BLACKROCK SHORT 46431W838 1,891 38,012 SH   SOLE 0 0 0 38,012
J & J SNACK FOODS CORP COM 466032109 1,737 11,200 SH   SOLE 0 0 0 11,200
J P MORGAN EXCHANGE-TRADED F ULTRA SHRT INC 46641Q837 1,139 22,649 SH   SOLE 0 0 0 22,649
J P MORGAN EXCHANGE-TRADED F US QUALTY FCTR 46641Q761 337 7,849 SH   SOLE 0 0 0 7,849
J P MORGAN EXCHANGE-TRADED F US MOMENTUM 46641Q779 219 4,965 SH   SOLE 0 0 0 4,965
J P MORGAN EXCHANGE-TRADED F US VALUE FACTR 46641Q753 349 9,439 SH   SOLE 0 0 0 9,439
J P MORGAN EXCHANGE-TRADED F ULTRA SHT MUNCPL 46641Q654 18,550 366,308 SH   SOLE 0 0 0 366,308
J P MORGAN EXCHANGE-TRADED F JPMORGAN DIVER 46641Q407 292 2,797 SH   SOLE 0 0 0 2,797
JOHN HANCOCK EXCHANGE TRADED MLTFCTR LRG CAP 47804J107 409 7,213 SH   SOLE 0 0 0 7,213
JOHNSON & JOHNSON COM 478160104 1,893 10,680 SH   SOLE 0 0 0 10,680
JPMORGAN CHASE & CO COM 46625H100 480 3,524 SH   SOLE 0 0 0 3,524
KROGER CO COM 501044101 675 11,774 SH   SOLE 0 0 0 11,774
LILLY ELI & CO COM 532457108 399 1,392 SH   SOLE 0 0 0 1,392
LOCKHEED MARTIN CORP COM 539830109 215 486 SH   SOLE 0 0 0 486
LOWES COS INC COM 548661107 997 4,932 SH   SOLE 0 0 0 4,932
MARSH & MCLENNAN COS INC COM 571748102 571 3,353 SH   SOLE 0 0 0 3,353
MASTERCARD INCORPORATED CL A 57636Q104 476 1,332 SH   SOLE 0 0 0 1,332
MCKESSON CORP COM 58155Q103 310 1,014 SH   SOLE 0 0 0 1,014
MERCK & CO INC COM 58933Y105 1,021 12,446 SH   SOLE 0 0 0 12,446
META PLATFORMS INC CL A 30303M102 447 2,012 SH   SOLE 0 0 0 2,012
MICROCHIP TECHNOLOGY INC. COM 595017104 257 3,426 SH   SOLE 0 0 0 3,426
MICROSOFT CORP COM 594918104 2,373 7,698 SH   SOLE 0 0 0 7,698
MID-AMER APT CMNTYS INC COM 59522J103 412 1,969 SH   SOLE 0 0 0 1,969
MSCI INC COM 55354G100 236 470 SH   SOLE 0 0 0 470
NEXTERA ENERGY INC COM 65339F101 288 3,401 SH   SOLE 0 0 0 3,401
NOVARTIS AG SPONSORED ADR 66987V109 285 3,244 SH   SOLE 0 0 0 3,244
NOVO-NORDISK A S ADR 670100205 247 2,222 SH   SOLE 0 0 0 2,222
NVIDIA CORPORATION COM 67066G104 301 1,102 SH   SOLE 0 0 0 1,102
ORACLE CORP COM 68389X105 393 4,745 SH   SOLE 0 0 0 4,745
OREILLY AUTOMOTIVE INC COM 67103H107 345 504 SH   SOLE 0 0 0 504
PACER FDS TR TRENDP US LAR CP 69374H105 4,491 115,626 SH   SOLE 0 0 0 115,626
PACER FDS TR TRENDPILOT INTL 69374H683 1,708 66,240 SH   SOLE 0 0 0 66,240
PAYPAL HLDGS INC COM 70450Y103 239 2,069 SH   SOLE 0 0 0 2,069
PEPSICO INC COM 713448108 712 4,254 SH   SOLE 0 0 0 4,254
PFIZER INC COM 717081103 247 4,765 SH   SOLE 0 0 0 4,765
PHILIP MORRIS INTL INC COM 718172109 383 4,079 SH   SOLE 0 0 0 4,079
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 28,846 287,998 SH   SOLE 0 0 0 287,998
PIMCO ETF TR SHTRM MUN BD ACT 72201R874 10,705 214,189 SH   SOLE 0 0 0 214,189
PIMCO ETF TR ENHNCD LW DUR AC 72201R718 15,531 159,240 SH   SOLE 0 0 0 159,240
PROCTER AND GAMBLE CO COM 742718109 579 3,788 SH   SOLE 0 0 0 3,788
PROSPECT CAP CORP COM 74348T102 301 36,339 SH   SOLE 0 0 0 36,339
ROSS STORES INC COM 778296103 272 3,004 SH   SOLE 0 0 0 3,004
S&P GLOBAL INC COM 78409V104 388 946 SH   SOLE 0 0 0 946
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763 13,495 252,439 SH   SOLE 0 0 0 252,439
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730 8,682 299,892 SH   SOLE 0 0 0 299,892
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755 2,454 76,130 SH   SOLE 0 0 0 76,130
SIMPLIFY EXCHANGE TRADED FUN US EQT PLS CNVEX 82889N103 14,287 445,846 SH   SOLE 0 0 0 445,846
SIMPLIFY EXCHANGE TRADED FUN US EQT PLS DWNSD 82889N202 20,655 659,077 SH   SOLE 0 0 0 659,077
SPDR S&P 500 ETF TR TR UNIT 78462F103 308 682 SH   SOLE 0 0 0 682
SPDR SER TR S&P DIVID ETF 78464A763 202 1,575 SH   SOLE 0 0 0 1,575
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100 272 2,613 SH   SOLE 0 0 0 2,613
TESLA INC COM 88160R101 304 282 SH   SOLE 0 0 0 282
TURKCELL ILETISIM HIZMETLERI SPON ADR NEW 900111204 44 11,331 SH   SOLE 0 0 0 11,331
UNION PAC CORP COM 907818108 469 1,717 SH   SOLE 0 0 0 1,717
UNITED RENTALS INC COM 911363109 221 622 SH   SOLE 0 0 0 622
UNITEDHEALTH GROUP INC COM 91324P102 1,340 2,628 SH   SOLE 0 0 0 2,628
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 342 4,306 SH   SOLE 0 0 0 4,306
VANGUARD BD INDEX FDS VANGUARD ULTRA 92203C303 29,906 605,511 SH   SOLE 0 0 0 605,511
VANGUARD INDEX FDS LARGE CAP ETF 922908637 14,614 70,093 SH   SOLE 0 0 0 70,093
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 469 1,130 SH   SOLE 0 0 0 1,130
VANGUARD INDEX FDS TOTAL STK MKT 922908769 2,484 10,911 SH   SOLE 0 0 0 10,911
VANGUARD INDEX FDS VALUE ETF 922908744 6,175 41,786 SH   SOLE 0 0 0 41,786
VANGUARD INDEX FDS SM CP VAL ETF 922908611 545 3,096 SH   SOLE 0 0 0 3,096
VANGUARD INDEX FDS SMALL CP ETF 922908751 8,410 39,571 SH   SOLE 0 0 0 39,571
VANGUARD INDEX FDS GROWTH ETF 922908736 6,001 20,866 SH   SOLE 0 0 0 20,866
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 15,975 346,312 SH   SOLE 0 0 0 346,312
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 368 6,393 SH   SOLE 0 0 0 6,393
VANGUARD STAR FDS VG TL INTL STK F 921909768 367 6,141 SH   SOLE 0 0 0 6,141
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 18,279 380,565 SH   SOLE 0 0 0 380,565
VERIZON COMMUNICATIONS INC COM 92343V104 413 8,112 SH   SOLE 0 0 0 8,112
VISA INC COM CL A 92826C839 1,019 4,597 SH   SOLE 0 0 0 4,597
WALKER & DUNLOP INC COM 93148P102 15,988 123,538 SH   SOLE 0 0 0 123,538
WALMART INC COM 931142103 514 3,453 SH   SOLE 0 0 0 3,453
WHEELS UP EXPERIENCE INC COM CL A 96328L106 156 50,075 SH   SOLE 0 0 0 50,075
WP CAREY INC COM 92936U109 448 5,542 SH   SOLE 0 0 0 5,542