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   64,445 377 SH   SOLE   0 0 377
CONOCOPHILLIPS COM 20825C104   20,068 200 SH   SOLE   0 0 200
CORTEVA INC COM 22052L104   14,948 264 SH   SOLE   0 0 264
DOW INC COM 260557103   29,130 552 SH   SOLE   0 0 552
DUPONT DE NEMOURS INC COM 26614N102   38,403 552 SH   SOLE   0 0 552
INVESCO EXCH TRADED FD TR II SR LN ETF 46138G508   19,580,816 932,864 SH   SOLE   0 0 932,864
ISHARES SILVER TR ISHARES 46428Q109   15,623 750 SH   SOLE   0 0 750
ISHARES TR CORE MSCI EAFE 46432F842   549,079 8,365 SH   SOLE   0 0 8,365
ISHARES TR CORE S&P SCP ETF 464287804   13,194,751 135,428 SH   SOLE   0 0 135,428
ISHARES TR CORE S&P US GWT 464287671   9,547,288 98,629 SH   SOLE   0 0 98,629
ISHARES TR CORE S&P US VLU 464287663   16,232,045 209,095 SH   SOLE   0 0 209,095
ISHARES TR CORE S&P500 ETF 464287200   12,931,756 29,262 SH   SOLE   0 0 29,262
ISHARES TR MSCI INTL VLU FT 46435G409   7,136,237 286,711 SH   SOLE   0 0 286,711
ISHARES TR MSCI USA MIN VOL 46429B697   14,802,937 200,745 SH   SOLE   0 0 200,745
ISHARES TR S&P 500 VAL ETF 464287408   11,739,829 73,429 SH   SOLE   0 0 73,429
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   19,947,333 399,346 SH   SOLE   0 0 399,346
PGIM ETF TR PGIM ULTRA SH BD 69344A107   17,609,271 357,912 SH   SOLE   0 0 357,912
SELECT SECTOR SPDR TR ENERGY 81369Y506   3,726,879 47,122 SH   SOLE   0 0 47,122
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   3,013,268 89,841 SH   SOLE   0 0 89,841
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308   5,797,130 77,887 SH   SOLE   0 0 77,887
SPDR SER TR BLOOMBERG SHT TE 78468R408   6,799,875 278,912 SH   SOLE   0 0 278,912
SPDR SER TR S&P DIVID ETF 78464A763   8,870,161 73,295 SH   SOLE   0 0 73,295
VERIZON COMMUNICATIONS INC COM 92343V104   80,313 2,163 SH   SOLE   0 0 2,163