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   532,837 33,407 SH   SOLE   0 33,407 0
AMAZON COM INC COM 023135106   1,942,494 14,901 SH   SOLE   0 14,901 0
APPLE INC COM 037833100   2,123,714 10,949 SH   SOLE   0 10,949 0
FIRST TR EXCHNG TRADED FD VI CBOE VEST FD DEP 33740U703   3,826,904 177,665 SH   SOLE   0 177,665 0
FORD MTR CO DEL COM 345370860   291,402 19,260 SH   SOLE   0 19,260 0
INVESCO EXCH TRD SLF IDX FD INVSCO BLSH 26 46138J635   12,443,378 545,762 SH   SOLE   0 545,762 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2027 CB 46138J783   11,324,009 595,202 SH   SOLE   0 595,202 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2025 HY 46138J817   12,704,047 563,372 SH   SOLE   0 563,372 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2024 CB 46138J841   12,306,701 598,284 SH   SOLE   0 598,284 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2023 CB 46138J866   720,718 34,044 SH   SOLE   0 34,044 0
ISHARES TR CORE S&P TTL STK 464287150   2,310,667 23,617 SH   SOLE   0 23,617 0
ISHARES TR TIPS BD ETF 464287176   11,904,727 110,618 SH   SOLE   0 110,618 0
ISHARES TR CORE S&P US VLU 464287663   1,959,642 25,040 SH   SOLE   0 25,040 0
ISHARES TR CORE S&P US GWT 464287671   47,136,731 482,760 SH   SOLE   0 482,760 0
ISHARES TR U.S. TECH ETF 464287721   4,809,964 44,181 SH   SOLE   0 44,181 0
ISHARES TR CRE U S REIT ETF 464288521   12,995,934 252,790 SH   SOLE   0 252,790 0
ISHARES TR MBS ETF 464288588   5,761,476 61,775 SH   SOLE   0 61,775 0
ISHARES TR ISHS 5-10YR INVT 464288638   16,003,330 316,459 SH   SOLE   0 316,459 0
ISHARES TR 10-20 YR TRS ETF 464288653   1,648,136 14,879 SH   SOLE   0 14,879 0
ISHARES TR EAFE VALUE ETF 464288877   3,596,614 73,490 SH   SOLE   0 73,490 0
ISHARES TR EAFE GRWTH ETF 464288885   3,590,950 37,637 SH   SOLE   0 37,637 0
ISHARES TR AGGRES ALLOC ETF 464289859   4,045,952 60,988 SH   SOLE   0 60,988 0
ISHARES TR GRWT ALLOCAT ETF 464289867   1,637,562 31,828 SH   SOLE   0 31,828 0
ISHARES TR MODERT ALLOC ETF 464289875   625,668 15,483 SH   SOLE   0 15,483 0
ISHARES TR CONSER ALLOC ETF 464289883   405,916 11,519 SH   SOLE   0 11,519 0
ISHARES TR US TREAS BD ETF 46429B267   5,450,578 238,017 SH   SOLE   0 238,017 0
ISHARES TR MSCI USA MIN VOL 46429B697   3,013,119 40,537 SH   SOLE   0 40,537 0
ISHARES TR MSCI USA QLT FCT 46432F339   10,903,491 80,844 SH   SOLE   0 80,844 0
ISHARES TR 0-5YR HI YL CP 46434V407   12,280,861 296,281 SH   SOLE   0 296,281 0
ISHARES TR CORE TOTAL USD 46434V613   10,233,698 225,065 SH   SOLE   0 225,065 0
ISHARES TR FALN ANGLS USD 46435G474   571,562 22,529 SH   SOLE   0 22,529 0
ISHARES TR US INFRASTRUC 46435U713   1,132,513 28,979 SH   SOLE   0 28,979 0
NUSHARES ETF TR NUVEEN ESG LRGVL 67092P300   425,883 12,291 SH   SOLE   0 12,291 0
NUSHARES ETF TR NUVEEN ESG INTL 67092P805   361,855 12,495 SH   SOLE   0 12,495 0
NUSHARES ETF TR NUVEEN ESG US 67092P870   731,551 33,275 SH   SOLE   0 33,275 0
SPDR SER TR BBG CONV SEC ETF 78464A359   1,044,918 14,938 SH   SOLE   0 14,938 0
SPDR SER TR PORTFOLIO LN COR 78464A367   5,568,607 239,407 SH   SOLE   0 239,407 0
SPDR SER TR S&P DIVID ETF 78464A763   48,112,391 392,498 SH   SOLE   0 392,498 0
SSGA ACTIVE ETF TR MULT ASS RLRTN 78467V103   741,490 27,844 SH   SOLE   0 27,844 0
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   9,287,880 122,904 SH   SOLE   0 122,904 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   16,234,443 351,547 SH   SOLE   0 351,547 0
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   6,191,128 126,660 SH   SOLE   0 126,660 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   418,648 10,291 SH   SOLE   0 10,291 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   28,341,746 69,588 SH   SOLE   0 69,588 0
VANGUARD INDEX FDS MID CAP ETF 922908629   4,310,343 19,578 SH   SOLE   0 19,578 0
VANGUARD INDEX FDS SMALL CP ETF 922908751   27,846,172 140,008 SH   SOLE   0 140,008 0
WELLS FARGO CO NEW COM 949746101   692,681 16,230 SH   SOLE   0 16,230 0
WISDOMTREE TR EM EX ST-OWNED 97717X578   17,446,788 624,214 SH   SOLE   0 624,214 0