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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ADVANCED MICRO DEVICES INC COM 007903107   224,668 2,185 SH   SOLE   0 0 2,185
AMAZON COM INC COM 023135106   831,527 6,541 SH   SOLE   0 0 6,541
APPLE INC COM 037833100   1,125,115 6,572 SH   SOLE   0 0 6,572
ARCHER DANIELS MIDLAND CO COM 039483102   244,738 3,245 SH   SOLE   0 0 3,245
AT&T INC COM 00206R102   181,408 12,078 SH   SOLE   0 0 12,078
BANK NEW YORK MELLON CORP COM 064058100   642,053 15,054 SH   SOLE   0 0 15,054
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   299,905 856 SH   SOLE   0 0 856
CELANESE CORP DEL COM 150870103   328,988 2,621 SH   SOLE   0 0 2,621
CHEVRON CORP NEW COM 166764100   354,449 2,102 SH   SOLE   0 0 2,102
CISCO SYS INC COM 17275R102   293,773 5,465 SH   SOLE   0 0 5,465
COMCAST CORP NEW CL A 20030N101   321,110 7,242 SH   SOLE   0 0 7,242
CUMMINS INC COM 231021106   261,587 1,145 SH   SOLE   0 0 1,145
CVS HEALTH CORP COM 126650100   294,073 4,212 SH   SOLE   0 0 4,212
DIAMONDBACK ENERGY INC COM 25278X109   219,620 1,418 SH   SOLE   0 0 1,418
EXXON MOBIL CORP COM 30231G102   227,329 1,933 SH   SOLE   0 0 1,933
FEDEX CORP COM 31428X106   315,791 1,192 SH   SOLE   0 0 1,192
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309   213,365 4,898 SH   SOLE   0 0 4,898
GENERAL DYNAMICS CORP COM 369550108   259,425 1,174 SH   SOLE   0 0 1,174
GENERAL MLS INC COM 370334104   327,415 5,117 SH   SOLE   0 0 5,117
HEWLETT PACKARD ENTERPRISE C COM 42824C109   287,214 16,535 SH   SOLE   0 0 16,535
HUNTINGTON INGALLS INDS INC COM 446413106   388,088 1,897 SH   SOLE   0 0 1,897
INTERPUBLIC GROUP COS INC COM 460690100   236,502 8,252 SH   SOLE   0 0 8,252
INVESCO EXCH TRADED FD TR II SR LN ETF 46138G508   2,481,522 118,224 SH   SOLE   0 0 118,224
INVESCO EXCH TRADED FD TR II NATL AMT MUNI 46138E537   587,439 26,509 SH   SOLE   0 0 26,509
INVESCO QQQ TR UNIT SER 1 46090E103   732,449 2,044 SH   SOLE   0 0 2,044
ISHARES INC MSCI EMERG MRKT 464286533   233,588 4,378 SH   SOLE   0 0 4,378
ISHARES INC CORE MSCI EMKT 46434G103   757,062 15,908 SH   SOLE   0 0 15,908
ISHARES TR CORE MSCI EAFE 46432F842   1,370,140 21,292 SH   SOLE   0 0 21,292
ISHARES TR MSCI USA MIN VOL 46429B697   347,858 4,806 SH   SOLE   0 0 4,806
ISHARES TR JPMORGAN USD EMG 464288281   2,336,059 28,309 SH   SOLE   0 0 28,309
ISHARES TR IBOXX HI YD ETF 464288513   2,866,086 38,878 SH   SOLE   0 0 38,878
ISHARES TR PFD AND INCM SEC 464288687   2,395,719 79,460 SH   SOLE   0 0 79,460
ISHARES TR RUS 2000 GRW ETF 464287648   9,332,869 41,637 SH   SOLE   0 0 41,637
ISHARES TR CORE S&P MCP ETF 464287507   917,659 3,680 SH   SOLE   0 0 3,680
ISHARES TR S&P MC 400VL ETF 464287705   530,791 5,259 SH   SOLE   0 0 5,259
ISHARES TR S&P MC 400GR ETF 464287606   546,062 7,559 SH   SOLE   0 0 7,559
ISHARES TR CORE S&P SCP ETF 464287804   508,954 5,395 SH   SOLE   0 0 5,395
ISHARES TR SP SMCP600VL ETF 464287879   230,302 2,581 SH   SOLE   0 0 2,581
ISHARES TR S&P 500 VAL ETF 464287408   15,155,449 98,514 SH   SOLE   0 0 98,514
ISHARES TR CORE S&P500 ETF 464287200   4,145,323 9,653 SH   SOLE   0 0 9,653
ISHARES TR S&P 500 GRWT ETF 464287309   2,393,605 34,984 SH   SOLE   0 0 34,984
ISHARES TR RUS 1000 VAL ETF 464287598   1,801,192 11,864 SH   SOLE   0 0 11,864
ISHARES TR RUS 1000 GRW ETF 464287614   1,737,979 6,534 SH   SOLE   0 0 6,534
ISHARES TR RUSSELL 2000 ETF 464287655   549,661 3,110 SH   SOLE   0 0 3,110
ISHARES TR RUS 2000 VAL ETF 464287630   10,438,873 77,011 SH   SOLE   0 0 77,011
ISHARES TR MSCI EAFE ETF 464287465   882,124 12,799 SH   SOLE   0 0 12,799
ISHARES TR MSCI EMG MKT ETF 464287234   2,957,747 77,938 SH   SOLE   0 0 77,938
ISHARES TR 20 YR TR BD ETF 464287432   570,986 6,438 SH   SOLE   0 0 6,438
ISHARES TR IBOXX INV CP ETF 464287242   2,949,390 28,910 SH   SOLE   0 0 28,910
ISHARES TR CORE US AGGBD ET 464287226   745,189 7,924 SH   SOLE   0 0 7,924
ISHARES TR SELECT DIVID ETF 464287168   2,335,055 21,693 SH   SOLE   0 0 21,693
ISHARES TR EAFE VALUE ETF 464288877   3,742,949 76,496 SH   SOLE   0 0 76,496
ISHARES TR EAFE GRWTH ETF 464288885   4,082,249 47,303 SH   SOLE   0 0 47,303
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   507,169 10,107 SH   SOLE   0 0 10,107
LEIDOS HOLDINGS INC COM 525327102   245,606 2,665 SH   SOLE   0 0 2,665
LKQ CORP COM 501889208   239,331 4,834 SH   SOLE   0 0 4,834
MARATHON PETE CORP COM 56585A102   207,033 1,368 SH   SOLE   0 0 1,368
MICROSOFT CORP COM 594918104   587,947 1,862 SH   SOLE   0 0 1,862
MOSAIC CO NEW COM 61945C103   266,217 7,478 SH   SOLE   0 0 7,478
NVIDIA CORPORATION COM 67066G104   726,868 1,671 SH   SOLE   0 0 1,671
NXP SEMICONDUCTORS N V COM N6596X109   298,680 1,494 SH   SOLE   0 0 1,494
PACER FDS TR US CASH COWS 100 69374H881   4,462,846 90,286 SH   SOLE   0 0 90,286
PEPSICO INC COM 713448108   445,169 2,627 SH   SOLE   0 0 2,627
PFIZER INC COM 717081103   340,265 10,258 SH   SOLE   0 0 10,258
PHILLIPS 66 COM 718546104   219,162 1,824 SH   SOLE   0 0 1,824
PROSHARES TR S&P 500 DV ARIST 74348A467   906,857 10,241 SH   SOLE   0 0 10,241
QUALCOMM INC COM 747525103   396,410 3,569 SH   SOLE   0 0 3,569
RALPH LAUREN CORP CL A 751212101   397,144 3,421 SH   SOLE   0 0 3,421
SAP SE SPON ADR 803054204   382,787 2,960 SH   SOLE   0 0 2,960
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886   559,717 9,498 SH   SOLE   0 0 9,498
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100   388,823 4,950 SH   SOLE   0 0 4,950
SELECT SECTOR SPDR TR ENERGY 81369Y506   951,536 10,527 SH   SOLE   0 0 10,527
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   1,677,274 50,566 SH   SOLE   0 0 50,566
SELECT SECTOR SPDR TR INDL 81369Y704   897,702 8,855 SH   SOLE   0 0 8,855
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   2,457,802 14,993 SH   SOLE   0 0 14,993
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308   859,158 12,486 SH   SOLE   0 0 12,486
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   2,054,304 15,957 SH   SOLE   0 0 15,957
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407   384,903 2,391 SH   SOLE   0 0 2,391
SELECT SECTOR SPDR TR RL EST SEL SEC 81369Y860   251,982 7,396 SH   SOLE   0 0 7,396
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852   612,752 9,345 SH   SOLE   0 0 9,345
SKYWORKS SOLUTIONS INC COM 83088M102   256,243 2,599 SH   SOLE   0 0 2,599
SNAP ON INC COM 833034101   420,849 1,650 SH   SOLE   0 0 1,650
SPDR GOLD TR GOLD SHS 78463V107   1,511,160 8,814 SH   SOLE   0 0 8,814
SPDR S&P 500 ETF TR TR UNIT 78462F103   355,986 833 SH   SOLE   0 0 833
SPDR SER TR PRTFLO S&P500 GW 78464A409   13,851,068 233,655 SH   SOLE   0 0 233,655
SPDR SER TR NUVEEN BLMBRG SH 78468R739   707,951 15,314 SH   SOLE   0 0 15,314
SYNCHRONY FINANCIAL COM 87165B103   237,193 7,759 SH   SOLE   0 0 7,759
TAPESTRY INC COM 876030107   275,655 9,588 SH   SOLE   0 0 9,588
THE CIGNA GROUP COM 125523100   265,473 928 SH   SOLE   0 0 928
VALERO ENERGY CORP COM 91913Y100   219,382 1,548 SH   SOLE   0 0 1,548
VANECK ETF TRUST HIGH YLD MUNIETF 92189H409   558,809 11,388 SH   SOLE   0 0 11,388
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   2,326,060 30,944 SH   SOLE   0 0 30,944
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   4,509,044 64,618 SH   SOLE   0 0 64,618
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   544,175 11,377 SH   SOLE   0 0 11,377
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   252,136 642 SH   SOLE   0 0 642
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538   3,109,503 15,965 SH   SOLE   0 0 15,965
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   1,206,665 9,214 SH   SOLE   0 0 9,214
VANGUARD INDEX FDS TOTAL STK MKT 922908769   349,202 1,644 SH   SOLE   0 0 1,644
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   459,762 11,726 SH   SOLE   0 0 11,726
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   644,684 13,403 SH   SOLE   0 0 13,403
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   5,961,543 78,462 SH   SOLE   0 0 78,462
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   6,230,519 82,908 SH   SOLE   0 0 82,908
VANGUARD SCOTTSDALE FDS LG-TERM COR BD 92206C813   6,335,863 88,465 SH   SOLE   0 0 88,465
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   1,130,657 25,861 SH   SOLE   0 0 25,861
VIATRIS INC COM 92556V106   253,237 25,683 SH   SOLE   0 0 25,683
WEYERHAEUSER CO MTN BE COM NEW 962166104   230,287 7,511 SH   SOLE   0 0 7,511
ZETA GLOBAL HOLDINGS CORP CL A 98956A105   431,987 51,735 SH   SOLE   0 0 51,735