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
AT&T INC COM 00206R102   668,730 34,739 SH   SOLE   33,800 939 0
AMAZON COM INC COM 023135106   1,572,280 15,222 SH   SOLE   14,860 362 0
APPLE INC COM 037833100   1,795,009 10,885 SH   SOLE   10,885 0 0
FIRST TR EXCHNG TRADED FD VI CBOE VEST FD DEP 33740U703   4,329,730 211,930 SH   SOLE   208,338 3,592 0
FORD MTR CO DEL COM 345370860   251,665 19,973 SH   SOLE   19,349 624 0
INVESCO EXCH TRD SLF IDX FD BULETSHS 2027 46138J585   262,500 12,021 SH   SOLE   12,021 0 0
INVESCO EXCH TRD SLF IDX FD INVSCO BLSH 26 46138J635   11,720,221 512,583 SH   SOLE   510,012 2,571 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2027 CB 46138J783   9,717,934 503,389 SH   SOLE   500,457 2,932 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2025 HY 46138J817   12,143,710 540,201 SH   SOLE   537,561 2,639 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2024 CB 46138J841   11,740,614 570,210 SH   SOLE   567,344 2,865 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2023 CB 46138J866   2,354,105 111,675 SH   SOLE   111,675 0 0
ISHARES TR CORE S&P TTL STK 464287150   2,277,953 25,157 SH   SOLE   25,006 151 0
ISHARES TR TIPS BD ETF 464287176   13,918,282 126,243 SH   SOLE   126,243 0 0
ISHARES TR CORE S&P US VLU 464287663   1,314,900 17,822 SH   SOLE   17,736 86 0
ISHARES TR CORE S&P US GWT 464287671   37,724,369 424,968 SH   SOLE   423,678 1,289 0
ISHARES TR U.S. TECH ETF 464287721   2,731,860 29,435 SH   SOLE   29,295 140 0
ISHARES TR CRE U S REIT ETF 464288521   12,723,782 252,456 SH   SOLE   251,804 652 0
ISHARES TR MBS ETF 464288588   3,263,585 34,451 SH   SOLE   34,234 217 0
ISHARES TR ISHS 5-10YR INVT 464288638   18,791,476 366,448 SH   SOLE   366,448 0 0
ISHARES TR EAFE VALUE ETF 464288877   2,331,822 48,049 SH   SOLE   47,820 229 0
ISHARES TR EAFE GRWTH ETF 464288885   2,328,331 24,854 SH   SOLE   24,735 119 0
ISHARES TR AGGRES ALLOC ETF 464289859   3,872,544 60,899 SH   SOLE   60,730 169 0
ISHARES TR GRWT ALLOCAT ETF 464289867   1,510,062 30,183 SH   SOLE   30,183 0 0
ISHARES TR MODERT ALLOC ETF 464289875   638,119 16,009 SH   SOLE   16,009 0 0
ISHARES TR CONSER ALLOC ETF 464289883   413,350 11,824 SH   SOLE   11,824 0 0
ISHARES TR US TREAS BD ETF 46429B267   3,095,450 132,397 SH   SOLE   131,559 838 0
ISHARES TR MSCI USA MIN VOL 46429B697   1,943,257 26,715 SH   SOLE   26,588 128 0
ISHARES TR MSCI USA QLT FCT 46432F339   6,390,588 51,510 SH   SOLE   51,262 248 0
ISHARES TR 0-5YR HI YL CP 46434V407   14,549,363 349,073 SH   SOLE   349,073 0 0
ISHARES TR CORE TOTAL USD 46434V613   5,853,189 126,830 SH   SOLE   126,032 798 0
ISHARES TR FALN ANGLS USD 46435G474   291,565 11,538 SH   SOLE   11,538 0 0
ISHARES TR US INFRASTRUC 46435U713   720,458 19,305 SH   SOLE   19,207 98 0
NUSHARES ETF TR NUVEEN ESG LRGVL 67092P300   424,069 12,447 SH   SOLE   12,447 0 0
NUSHARES ETF TR NUVEEN ESG INTL 67092P805   362,889 12,905 SH   SOLE   12,905 0 0
NUSHARES ETF TR NUVEEN ESG US 67092P870   720,391 32,233 SH   SOLE   32,233 0 0
SPDR SER TR BBG CONV SEC ETF 78464A359   7,187,709 107,167 SH   SOLE   107,167 0 0
SPDR SER TR S&P DIVID ETF 78464A763   59,021,457 477,095 SH   SOLE   475,929 1,166 0
SSGA ACTIVE ETF TR MULT ASS RLRTN 78467V103   810,049 29,371 SH   SOLE   29,371 0 0
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   10,974,502 143,476 SH   SOLE   143,476 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   15,452,694 342,101 SH   SOLE   341,414 687 0
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   7,143,742 146,029 SH   SOLE   146,029 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   479,484 11,868 SH   SOLE   11,868 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   17,120,682 45,525 SH   SOLE   45,311 214 0
VANGUARD INDEX FDS MID CAP ETF 922908629   7,535,635 35,727 SH   SOLE   35,727 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751   28,016,046 147,795 SH   SOLE   147,430 365 0
WELLS FARGO CO NEW COM 949746101   642,011 17,175 SH   SOLE   16,776 399 0
WISDOMTREE TR EM EX ST-OWNED 97717X578   16,151,489 580,154 SH   SOLE   578,375 1,779 0