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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   82,262 377 SH   SOLE   0 0 377
CONOCOPHILLIPS COM 20825C104   26,584 200 SH   SOLE   0 0 200
CORTEVA INC COM 22052L104   30,715 544 SH   SOLE   0 0 544
DOW INC COM 260557103   76,875 1,315 SH   SOLE   0 0 1,315
DUPONT DE NEMOURS INC COM 26614N102   64,195 842 SH   SOLE   0 0 842
INVESCO EXCH TRADED FD TR II SR LN ETF 46138G508   21,128,387 1,000,871 SH   SOLE   0 0 1,000,871
ISHARES SILVER TR ISHARES 46428Q109   19,508 750 SH   SOLE   0 0 750
ISHARES TR CORE S&P SCP ETF 464287804   15,361,121 144,766 SH   SOLE   0 0 144,766
ISHARES TR CORE S&P US GWT 464287671   11,484,276 97,531 SH   SOLE   0 0 97,531
ISHARES TR CORE S&P US VLU 464287663   17,925,644 204,374 SH   SOLE   0 0 204,374
ISHARES TR CORE S&P500 ETF 464287200   14,855,036 28,535 SH   SOLE   0 0 28,535
ISHARES TR MSCI INTL VLU FT 46435G409   8,038,037 286,561 SH   SOLE   0 0 286,561
ISHARES TR MSCI USA MIN VOL 46429B697   16,282,642 200,180 SH   SOLE   0 0 200,180
ISHARES TR S&P 500 VAL ETF 464287408   12,923,366 71,321 SH   SOLE   0 0 71,321
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   20,722,951 412,069 SH   SOLE   0 0 412,069
PGIM ETF TR PGIM ULTRA SH BD 69344A107   18,403,204 371,373 SH   SOLE   0 0 371,373
SELECT SECTOR SPDR TR ENERGY 81369Y506   4,625,088 47,330 SH   SOLE   0 0 47,330
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   3,875,798 95,463 SH   SOLE   0 0 95,463
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308   6,969,555 94,018 SH   SOLE   0 0 94,018
SPDR SER TR BLOOMBERG SHT TE 78468R408   7,198,313 289,554 SH   SOLE   0 0 289,554
SPDR SER TR S&P DIVID ETF 78464A763   10,586,564 83,084 SH   SOLE   0 0 83,084
VERIZON COMMUNICATIONS INC COM 92343V104   60,281 1,501 SH   SOLE   0 0 1,501