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

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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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
AMERICAN EXPRESS CO COM 025816109 70 377 SH   SOLE   0 0 377
CONOCOPHILLIPS COM 20825C104 20 200 SH   SOLE   0 0 200
CORTEVA INC COM 22052L104 15 264 SH   SOLE   0 0 264
DOW INC COM 260557103 35 552 SH   SOLE   0 0 552
DUPONT DE NEMOURS INC COM 26614N102 41 552 SH   SOLE   0 0 552
ISHARES TR CORE S&P500 ETF 464287200 13,089 28,850 SH   SOLE   0 0 28,850
ISHARES TR S&P 500 VAL ETF 464287408 11,729 75,319 SH   SOLE   0 0 75,319
ISHARES TR CORE S&P US VLU 464287663 16,324 215,151 SH   SOLE   0 0 215,151
ISHARES TR CORE S&P US GWT 464287671 10,007 94,708 SH   SOLE   0 0 94,708
ISHARES TR CORE S&P SCP ETF 464287804 14,267 132,248 SH   SOLE   0 0 132,248
ISHARES SILVER TR ISHARES 46428Q109 17 750 SH   SOLE   0 0 750
ISHARES TR MSCI USA MIN VOL 46429B697 15,763 203,210 SH   SOLE   0 0 203,210
ISHARES TR CORE MSCI TOTAL 46432F834 9,498 142,661 SH   SOLE   0 0 142,661
ISHARES TR CORE MSCI EAFE 46432F842 7,734 111,258 SH   SOLE   0 0 111,258
ISHARES TR CORE 1 5 YR USD 46432F859 18,291 377,437 SH   SOLE   0 0 377,437
ISHARES TR 0-5YR HI YL CP 46434V407 7,216 164,159 SH   SOLE   0 0 164,159
ISHARES TR MSCI INTL VLU FT 46435G409 7,271 285,678 SH   SOLE   0 0 285,678
OLIN CORP COM PAR $1 680665205 32 605 SH   SOLE   0 0 605
SELECT SECTOR SPDR TR ENERGY 81369Y506 3,832 50,126 SH   SOLE   0 0 50,126
SELECT SECTOR SPDR TR SBI INT-FINL 81369Y605 3,243 84,629 SH   SOLE   0 0 84,629
VERIZON COMMUNICATIONS INC COM 92343V104 110 2,163 SH   SOLE   0 0 2,163