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
ADVANCED MICRO DEVICES INC COM 007903107   376,879 2,185 SH   SOLE   0 0 2,185
AMAZON COM INC COM 023135106   1,133,799 6,499 SH   SOLE   0 0 6,499
APPLE INC COM 037833100   1,158,888 6,137 SH   SOLE   0 0 6,137
AT&T INC COM 00206R102   209,505 12,441 SH   SOLE   0 0 12,441
BANK NEW YORK MELLON CORP COM 064058100   210,333 3,809 SH   SOLE   0 0 3,809
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   341,051 856 SH   SOLE   0 0 856
CELANESE CORP DEL COM 150870103   366,939 2,464 SH   SOLE   0 0 2,464
CHEVRON CORP NEW COM 166764100   317,495 2,102 SH   SOLE   0 0 2,102
CISCO SYS INC COM 17275R102   273,937 5,465 SH   SOLE   0 0 5,465
COMCAST CORP NEW CL A 20030N101   303,619 7,217 SH   SOLE   0 0 7,217
CUMMINS INC COM 231021106   288,288 1,145 SH   SOLE   0 0 1,145
CVS HEALTH CORP COM 126650100   321,451 4,212 SH   SOLE   0 0 4,212
FEDEX CORP COM 31428X106   289,209 1,192 SH   SOLE   0 0 1,192
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309   223,330 4,930 SH   SOLE   0 0 4,930
GENERAL DYNAMICS CORP COM 369550108   317,152 1,174 SH   SOLE   0 0 1,174
GENERAL MLS INC COM 370334104   387,672 6,219 SH   SOLE   0 0 6,219
HEWLETT PACKARD ENTERPRISE C COM 42824C109   255,965 16,535 SH   SOLE   0 0 16,535
HUNTINGTON INGALLS INDS INC COM 446413106   512,741 1,872 SH   SOLE   0 0 1,872
INTERPUBLIC GROUP COS INC COM 460690100   253,997 8,252 SH   SOLE   0 0 8,252
INVESCO EXCH TRADED FD TR II SR LN ETF 46138G508   2,401,328 113,861 SH   SOLE   0 0 113,861
INVESCO EXCH TRADED FD TR II NATL AMT MUNI 46138E537   615,870 25,801 SH   SOLE   0 0 25,801
INVESCO QQQ TR UNIT SER 1 46090E103   840,106 1,922 SH   SOLE   0 0 1,922
ISHARES INC MSCI EMERG MRKT 464286533   246,263 4,447 SH   SOLE   0 0 4,447
ISHARES INC CORE MSCI EMKT 46434G103   791,908 15,889 SH   SOLE   0 0 15,889
ISHARES TR CORE MSCI EAFE 46432F842   1,490,959 21,266 SH   SOLE   0 0 21,266
ISHARES TR JPMORGAN USD EMG 464288281   2,442,546 27,918 SH   SOLE   0 0 27,918
ISHARES TR MSCI USA MIN VOL 46429B697   386,162 4,806 SH   SOLE   0 0 4,806
ISHARES TR PFD AND INCM SEC 464288687   1,323,943 41,425 SH   SOLE   0 0 41,425
ISHARES TR US TREAS BD ETF 46429B267   5,123,462 225,952 SH   SOLE   0 0 225,952
ISHARES TR RUS 2000 GRW ETF 464287648   10,826,071 42,122 SH   SOLE   0 0 42,122
ISHARES TR CORE S&P MCP ETF 464287507   1,000,649 3,570 SH   SOLE   0 0 3,570
ISHARES TR S&P MC 400VL ETF 464287705   327,352 2,938 SH   SOLE   0 0 2,938
ISHARES TR S&P MC 400GR ETF 464287606   384,658 4,658 SH   SOLE   0 0 4,658
ISHARES TR CORE S&P SCP ETF 464287804   572,421 5,400 SH   SOLE   0 0 5,400
ISHARES TR SP SMCP600VL ETF 464287879   244,442 2,483 SH   SOLE   0 0 2,483
ISHARES TR S&P 500 VAL ETF 464287408   16,402,818 93,474 SH   SOLE   0 0 93,474
ISHARES TR CORE S&P500 ETF 464287200   5,579,033 11,077 SH   SOLE   0 0 11,077
ISHARES TR S&P 500 GRWT ETF 464287309   2,062,859 25,117 SH   SOLE   0 0 25,117
ISHARES TR RUS 1000 VAL ETF 464287598   1,982,505 11,872 SH   SOLE   0 0 11,872
ISHARES TR RUS 1000 GRW ETF 464287614   2,142,279 6,502 SH   SOLE   0 0 6,502
ISHARES TR RUSSELL 2000 ETF 464287655   754,303 3,784 SH   SOLE   0 0 3,784
ISHARES TR RUS 2000 VAL ETF 464287630   11,542,041 76,778 SH   SOLE   0 0 76,778
ISHARES TR CORE US AGGBD ET 464287226   761,517 7,800 SH   SOLE   0 0 7,800
ISHARES TR SELECT DIVID ETF 464287168   2,370,008 20,760 SH   SOLE   0 0 20,760
ISHARES TR 7-10 YR TRSY BD 464287440   204,957 2,169 SH   SOLE   0 0 2,169
ISHARES TR 20 YR TR BD ETF 464287432   604,206 6,438 SH   SOLE   0 0 6,438
ISHARES TR IBOXX INV CP ETF 464287242   2,930,591 27,095 SH   SOLE   0 0 27,095
ISHARES TR MSCI EMG MKT ETF 464287234   3,340,959 84,410 SH   SOLE   0 0 84,410
ISHARES TR MSCI EAFE ETF 464287465   881,654 11,709 SH   SOLE   0 0 11,709
ISHARES TR EAFE VALUE ETF 464288877   4,102,881 80,654 SH   SOLE   0 0 80,654
ISHARES TR EAFE GRWTH ETF 464288885   4,884,179 49,285 SH   SOLE   0 0 49,285
ISHARES TR IBOXX HI YD ETF 464288513   2,768,328 35,785 SH   SOLE   0 0 35,785
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   1,546,937 30,742 SH   SOLE   0 0 30,742
JPMORGAN CHASE & CO COM 46625H100   207,212 1,184 SH   SOLE   0 0 1,184
LEIDOS HOLDINGS INC COM 525327102   302,557 2,665 SH   SOLE   0 0 2,665
LKQ CORP COM 501889208   231,742 4,834 SH   SOLE   0 0 4,834
MICROSOFT CORP COM 594918104   781,834 1,859 SH   SOLE   0 0 1,859
MOSAIC CO NEW COM 61945C103   223,742 7,478 SH   SOLE   0 0 7,478
NVIDIA CORPORATION COM 67066G104   680,936 944 SH   SOLE   0 0 944
NXP SEMICONDUCTORS N V COM N6596X109   348,924 1,494 SH   SOLE   0 0 1,494
PACER FDS TR US CASH COWS 100 69374H881   4,855,891 93,132 SH   SOLE   0 0 93,132
PEPSICO INC COM 713448108   440,519 2,627 SH   SOLE   0 0 2,627
PFIZER INC COM 717081103   284,509 10,323 SH   SOLE   0 0 10,323
PHILLIPS 66 COM 718546104   229,279 1,574 SH   SOLE   0 0 1,574
PROSHARES TR S&P 500 DV ARIST 74348A467   973,949 10,259 SH   SOLE   0 0 10,259
QUALCOMM INC COM 747525103   534,590 3,540 SH   SOLE   0 0 3,540
RALPH LAUREN CORP CL A 751212101   598,709 3,421 SH   SOLE   0 0 3,421
SALESFORCE INC COM 79466L302   272,447 935 SH   SOLE   0 0 935
SAP SE SPON ADR 803054204   537,388 2,960 SH   SOLE   0 0 2,960
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886   873,493 14,493 SH   SOLE   0 0 14,493
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100   380,199 4,573 SH   SOLE   0 0 4,573
SELECT SECTOR SPDR TR ENERGY 81369Y506   835,933 10,034 SH   SOLE   0 0 10,034
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   1,854,112 47,444 SH   SOLE   0 0 47,444
SELECT SECTOR SPDR TR INDL 81369Y704   1,036,528 8,863 SH   SOLE   0 0 8,863
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   2,936,779 14,130 SH   SOLE   0 0 14,130
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308   912,158 12,477 SH   SOLE   0 0 12,477
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   2,278,670 15,823 SH   SOLE   0 0 15,823
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407   426,903 2,373 SH   SOLE   0 0 2,373
SELECT SECTOR SPDR TR RL EST SEL SEC 81369Y860   227,426 5,921 SH   SOLE   0 0 5,921
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852   670,332 8,467 SH   SOLE   0 0 8,467
SKYWORKS SOLUTIONS INC COM 83088M102   273,033 2,599 SH   SOLE   0 0 2,599
SNAP ON INC COM 833034101   433,010 1,650 SH   SOLE   0 0 1,650
SPDR GOLD TR GOLD SHS 78463V107   1,577,153 8,407 SH   SOLE   0 0 8,407
SPDR S&P 500 ETF TR TR UNIT 78462F103   403,002 804 SH   SOLE   0 0 804
SPDR SER TR PRTFLO S&P500 GW 78464A409   16,692,120 234,506 SH   SOLE   0 0 234,506
SPDR SER TR NUVEEN BLMBRG SH 78468R739   656,931 13,813 SH   SOLE   0 0 13,813
SYNCHRONY FINANCIAL COM 87165B103   300,506 7,759 SH   SOLE   0 0 7,759
TAPESTRY INC COM 876030107   567,420 13,510 SH   SOLE   0 0 13,510
THE CIGNA GROUP COM 125523100   307,801 919 SH   SOLE   0 0 919
VANECK ETF TRUST HIGH YLD MUNIETF 92189H409   540,856 10,543 SH   SOLE   0 0 10,543
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   2,371,858 30,944 SH   SOLE   0 0 30,944
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   4,663,306 64,437 SH   SOLE   0 0 64,437
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   535,385 11,012 SH   SOLE   0 0 11,012
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   279,008 606 SH   SOLE   0 0 606
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538   3,677,544 16,381 SH   SOLE   0 0 16,381
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   1,501,450 10,413 SH   SOLE   0 0 10,413
VANGUARD INDEX FDS TOTAL STK MKT 922908769   417,654 1,678 SH   SOLE   0 0 1,678
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   296,110 7,288 SH   SOLE   0 0 7,288
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   606,896 11,994 SH   SOLE   0 0 11,994
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   4,758,196 59,477 SH   SOLE   0 0 59,477
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   5,898,069 76,439 SH   SOLE   0 0 76,439
VANGUARD SCOTTSDALE FDS LG-TERM COR BD 92206C813   5,646,426 72,980 SH   SOLE   0 0 72,980
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   1,225,788 25,730 SH   SOLE   0 0 25,730
VIATRIS INC COM 92556V106   299,982 25,683 SH   SOLE   0 0 25,683
WEYERHAEUSER CO MTN BE COM NEW 962166104   254,492 7,647 SH   SOLE   0 0 7,647
ZETA GLOBAL HOLDINGS CORP CL A 98956A105   516,833 51,735 SH   SOLE   0 0 51,735