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
AMERICAN EXPRESS CO COM 025816109   58,405 377 SH   SOLE   0 0 377
CONOCOPHILLIPS COM 20825C104   24,032 200 SH   SOLE   0 0 200
CORTEVA INC COM 22052L104   16,521 264 SH   SOLE   0 0 264
DOW INC COM 260557103   32,303 552 SH   SOLE   0 0 552
DUPONT DE NEMOURS INC COM 26614N102   41,262 552 SH   SOLE   0 0 552
INVESCO EXCH TRADED FD TR II SR LN ETF 46138G508   19,754,590 934,465 SH   SOLE   0 0 934,465
ISHARES SILVER TR ISHARES 46428Q109   16,410 750 SH   SOLE   0 0 750
ISHARES TR CORE MSCI EAFE 46432F842   614,561 9,337 SH   SOLE   0 0 9,337
ISHARES TR CORE S&P SCP ETF 464287804   13,582,763 134,763 SH   SOLE   0 0 134,763
ISHARES TR CORE S&P US GWT 464287671   8,205,025 98,252 SH   SOLE   0 0 98,252
ISHARES TR CORE S&P US VLU 464287663   15,930,364 213,773 SH   SOLE   0 0 213,773
ISHARES TR CORE S&P500 ETF 464287200   11,776,963 29,531 SH   SOLE   0 0 29,531
ISHARES TR MSCI INTL VLU FT 46435G409   7,169,378 290,965 SH   SOLE   0 0 290,965
ISHARES TR MSCI USA MIN VOL 46429B697   14,895,977 202,446 SH   SOLE   0 0 202,446
ISHARES TR S&P 500 VAL ETF 464287408   11,447,533 74,889 SH   SOLE   0 0 74,889
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   20,468,266 407,572 SH   SOLE   0 0 407,572
OLIN CORP COM PAR $1 680665205   34,346 605 SH   SOLE   0 0 605
PGIM ETF TR PGIM ULTRA SH BD 69344A107   17,959,886 364,890 SH   SOLE   0 0 364,890
SELECT SECTOR SPDR TR ENERGY 81369Y506   4,261,420 47,444 SH   SOLE   0 0 47,444
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   3,144,619 87,716 SH   SOLE   0 0 87,716
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308   5,602,980 75,319 SH   SOLE   0 0 75,319
SPDR SER TR BLOOMBERG SHT TE 78468R408   7,002,700 280,108 SH   SOLE   0 0 280,108
SPDR SER TR S&P DIVID ETF 78464A763   8,674,163 67,070 SH   SOLE   0 0 67,070
VERIZON COMMUNICATIONS INC COM 92343V104   90,435 2,163 SH   SOLE   0 0 2,163