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
TECHNOLOGY SELECT SECTOR SPDR FUND ETF 81369Y803   230,158 1,404 SH   SOLE 0 1,404 0 0
SPDR PORTFOLIO AGGREGATE BOND ETF ETF 78464A649   1,552,259 63,774 SH   SOLE 0 63,774 0 0
ISHARES CORE INTERNATIONAL AGGREGATE BOND ETF ETF 46435G672   1,254,231 25,712 SH   SOLE 0 25,712 0 0
JOHNSON & JOHNSON COM Stock 478160104   449,495 2,886 SH   SOLE 0 2,886 0 0
ISHARES MSCI INTL VALUE FACTOR ETF ETF 46435G409   1,702,924 67,150 SH   SOLE 0 67,150 0 0
ISHARES MSCI EMERGING MARKETS ETF ETF 464287234   1,458,532 38,433 SH   SOLE 0 38,433 0 0
COCA COLA CO COM Stock 191216100   291,208 5,202 SH   SOLE 0 5,202 0 0
INVESCO BULLETSHARES 2025 CORPORATE BOND ETF ETF 46138J825   685,469 34,086 SH   SOLE 0 32,924 0 1,162
ISHARES U.S. FIXED INCOME BALANCED RISK FACTOR ETF ETF 46435U796   1,800,143 21,792 SH   SOLE 0 21,792 0 0
MERCK & CO INC COM Stock 58933Y105   345,088 3,352 SH   SOLE 0 3,352 0 0
SPDR S&P 500 ETF TRUST ETF 78462F103   985,341 2,305 SH   SOLE 0 2,305 0 0
ISHARES CORE CONSERVATIVE ALLOCATION ETF ETF 464289883   1,588,764 46,782 SH   SOLE 0 46,782 0 0
ISHARES TIPS BOND ETF ETF 464287176   1,455,503 14,033 SH   SOLE 0 14,033 0 0
FIRST TRUST NASDAQ SEMICONDUCTOR ETF ETF 33738R811   439,595 6,500 SH   SOLE 0 6,500 0 0
JANUS HENDERSON SHORT DURATION INCOME ETF ETF 47103U886   1,259,213 26,250 SH   SOLE 0 26,250 0 0
ISHARES S&P 100 ETF ETF 464287101   386,031 1,924 SH   SOLE 0 1,924 0 0
VERIZON COMMUNICATIONS INC COM Stock 92343V104   278,402 8,590 SH   SOLE 0 8,590 0 0
PEPSICO INC COM Stock 713448108   380,393 2,245 SH   SOLE 0 2,245 0 0
ISHARES 1-3 YEAR TREASURY BOND ETF ETF 464287457   2,106,354 26,014 SH   SOLE 0 26,014 0 0
FIRST TRUST TCW OPPORTUNISTIC FIXED INCOME ETF ETF 33740F805   761,196 18,100 SH   SOLE 0 16,869 0 1,231
XTRACKERS USD HIGH YIELD CORPORATE BOND ETF ETF 233051432   1,133,616 33,440 SH   SOLE 0 33,440 0 0
ISHARES ESG AWARE MSCI USA ETF ETF 46435G425   3,346,295 35,633 SH   SOLE 0 33,591 0 2,042
HEALTH CARE SELECT SECTOR SPDR FUND ETF 81369Y209   339,230 2,635 SH   SOLE 0 2,635 0 0
SPDR GOLD SHARES ETF 78463V107   1,320,165 7,700 SH   SOLE 0 7,700 0 0
JPMORGAN ULTRA-SHORT INCOME ETF ETF 46641Q837   2,019,745 40,250 SH   SOLE 0 40,250 0 0
SPDR PORTFOLIO SHORT TERM CORPORATE BOND ETF ETF 78464A474   210,781 7,189 SH   SOLE 0 7,189 0 0
PIMCO ENHANCED SHORT MATURITY ACTIVE ETF ETF 72201R833   2,141,594 21,386 SH   SOLE 0 21,386 0 0
ISHARES CORE S&P SMALL CAP ETF ETF 464287804   539,662 5,721 SH   SOLE 0 5,721 0 0
FIRST TRUST LARGE CAP VALUE ALPHADEX FUND ETF 33735J101   868,829 13,412 SH   SOLE 0 13,412 0 0
MICROSOFT CORP COM Stock 594918104   431,630 1,367 SH   SOLE 0 1,240 0 127
CVS HEALTH CORP COM Stock 126650100   233,897 3,350 SH   SOLE 0 3,350 0 0
ISHARES EUROPE ETF ETF 464287861   923,862 19,356 SH   SOLE 0 19,356 0 0
FIRST TRUST TCW UNCONSTRAINED PLUS BOND ETF ETF 33740F888   335,484 14,037 SH   SOLE 0 14,037 0 0
SCHWAB SHORT-TERM US TREASURY ETF ETF 808524862   1,326,505 27,699 SH   SOLE 0 27,699 0 0
FIRST TRUST INDUSTRIALS/PRODUCER DURABLES ALPHADEX FUND ETF 33734X150   931,802 16,225 SH   SOLE 0 16,225 0 0
ISHARES RUSSELL TOP 200 VALUE ETF ETF 464289420   896,746 13,718 SH   SOLE 0 13,718 0 0
ISHARES ESG MSCI USA LEADERS ETF ETF 46435U218   1,229,560 16,305 SH   SOLE 0 16,305 0 0
ISHARES 0-5 YEAR TIPS BOND ETF ETF 46429B747   2,041,329 21,062 SH   SOLE 0 21,062 0 0
ISHARES MSCI EAFE GROWTH ETF ETF 464288885   1,067,272 12,367 SH   SOLE 0 12,367 0 0
ELI LILLY & CO COM Stock 532457108   978,651 1,822 SH   SOLE 0 1,822 0 0
FT CBOE VEST U.S. EQUITY BUFFER ETF - NOVEMBER ETF 33740F847   8,336,806 214,525 SH   SOLE 0 214,525 0 0
VANGUARD MORTGAGE-BACKED SECURITIES ETF ETF 92206C771   29,924,374 683,517 SH   SOLE 0 658,415 0 25,102
ISHARES IBONDS DEC 2023 TERM TREASURY ETF ETF 46436E882   747,827 30,130 SH   SOLE 0 30,130 0 0
ISHARES IBONDS DEC 2024 TERM TREASURY ETF ETF 46436E874   752,128 31,549 SH   SOLE 0 31,549 0 0
INVESCO S&P 500 LOW VOLATILITY ETF ETF 46138E354   1,851,121 31,487 SH   SOLE 0 31,487 0 0
ISHARES 0-3 MONTH TREASURY BOND ETF ETF 46436E718   1,619,881 16,091 SH   SOLE 0 15,091 0 1,000
ISHARES SELECT DIVIDEND ETF ETF 464287168   239,391 2,224 SH   SOLE 0 2,224 0 0
ISHARES MSCI EAFE VALUE ETF ETF 464288877   596,212 12,185 SH   SOLE 0 12,185 0 0
SCHWAB US DIVIDEND EQUITY ETF ETF 808524797   24,547,463 346,912 SH   SOLE 0 334,371 0 12,540
VISA INC COM CL A Stock 92826C839   251,861 1,095 SH   SOLE 0 1,095 0 0
PACER SWAN SOS MODERATE (JULY) ETF ETF 69374H493   334,309 14,400 SH   SOLE 0 14,400 0 0
ISHARES MSCI USA MIN VOL FACTOR ETF ETF 46429B697   17,821,760 246,225 SH   SOLE 0 238,083 0 8,141
DIMENSIONAL INTERNATIONAL VALUE ETF ETF 25434V807   29,782,712 913,020 SH   SOLE 0 874,528 0 38,492
ISHARES U.S. TREASURY BOND ETF ETF 46429B267   325,641 14,775 SH   SOLE 0 14,775 0 0
ISHARES CORE S&P TOTAL U.S. STOCK MARKET ETF ETF 464287150   70,200,372 745,306 SH   SOLE 0 719,140 0 26,166
FIRST TRUST CAPITAL STRENGTH ETF ETF 33733E104   936,132 12,714 SH   SOLE 0 12,714 0 0
VANGUARD SHORT-TERM INFLATION-PROTECTED SECURITIES ETF ETF 922020805   27,848,156 589,005 SH   SOLE 0 568,165 0 20,840
ISHARES CORE MSCI EAFE ETF ETF 46432F842   33,358,783 518,396 SH   SOLE 0 500,575 0 17,821
KROGER CO COM Stock 501044101   238,294 5,325 SH   SOLE 0 5,325 0 0
SPDR BLOOMBERG INVESTMENT GRADE FLOATING RATE ETF ETF 78468R200   1,921,044 62,534 SH   SOLE 0 62,534 0 0
ISHARES SHORT TREASURY BOND ETF ETF 464288679   27,003,618 244,443 SH   SOLE 0 236,311 0 8,132
EATON VANCE TAX-MANAGED DIVERS COM CEF 27828N102   1,506,351 130,533 SH   SOLE 0 130,533 0 0
ISHARES CORE MSCI EMERGING MARKETS ETF ETF 46434G103   24,972,234 524,737 SH   SOLE 0 504,594 0 20,143
ISHARES CORE 1-5 YEAR USD BOND ETF ETF 46432F859   1,928,712 41,585 SH   SOLE 0 41,585 0 0
INVESCO S&P SMALLCAP LOW VOLATILITY ETF ETF 46138G102   713,036 18,079 SH   SOLE 0 18,079 0 0
ISHARES ESG AWARE MSCI EM ETF ETF 46434G863   730,808 24,135 SH   SOLE 0 24,135 0 0
FIRST TRUST TACTICAL HIGH YIELD ETF ETF 33738D408   1,114,367 28,406 SH   SOLE 0 27,889 0 517
INVESCO S&P MIDCAP LOW VOLATILITY ETF ETF 46138E198   1,053,123 21,418 SH   SOLE 0 21,418 0 0
VANGUARD TOTAL INTERNATIONAL BOND ETF ETF 92203J407   16,786,417 350,960 SH   SOLE 0 336,540 0 14,420
ISHARES RUSSELL MIDCAP ETF ETF 464287499   447,147 6,457 SH   SOLE 0 6,457 0 0
VANGUARD INTERMEDIATE-TERM BOND ETF ETF 921937819   92,555,932 1,279,988 SH   SOLE 0 1,237,865 0 42,123
SPDR PORTFOLIO SHORT TERM TREASURY ETF ETF 78468R101   1,484,106 51,675 SH   SOLE 0 51,675 0 0
ISHARES MSCI USA QUALITY FACTOR ETF ETF 46432F339   261,208 1,982 SH   SOLE 0 1,982 0 0
ISHARES U.S. TECHNOLOGY ETF ETF 464287721   399,535 3,808 SH   SOLE 0 3,808 0 0
ISHARES CORE S&P 500 ETF ETF 464287200   94,288,227 219,566 SH   SOLE 0 213,075 0 6,491
UNION PAC CORP COM Stock 907818108   738,770 3,628 SH   SOLE 0 3,628 0 0
ISHARES MBS ETF ETF 464288588   1,473,902 16,598 SH   SOLE 0 16,598 0 0
ISHARES 10-20 YEAR TREASURY BOND ETF ETF 464288653   337,457 3,427 SH   SOLE 0 3,427 0 0
CHEVRON CORP NEW COM Stock 166764100   332,480 1,972 SH   SOLE 0 1,971 0 0
ALBEMARLE CORP COM Stock 012653101   348,582 2,050 SH   SOLE 0 2,050 0 0
FIRST TRUST GLOBAL TACTICAL COMMODITY STRATEGY FUND ETF 33739H101   922,320 38,430 SH   SOLE 0 38,430 0 0
ISHARES MORTGAGE REAL ESTATE ETF ETF 46435G342   583,052 26,099 SH   SOLE 0 26,099 0 0
PFIZER INC COM Stock 717081103   407,427 12,283 SH   SOLE 0 12,083 0 200
ISHARES IBOXX $ INVESTMENT GRADE CORPORATE BOND ETF ETF 464287242   765,150 7,500 SH   SOLE 0 7,500 0 0
ISHARES 0-5 YEAR INVESTMENT GRADE CORPORATE BOND ETF ETF 46434V100   552,662 11,515 SH   SOLE 0 11,515 0 0
VANGUARD DIVIDEND APPRECIATION ETF ETF 921908844   292,581 1,883 SH   SOLE 0 1,883 0 0
ISHARES CORE U.S. AGGREGATE BOND ETF ETF 464287226   413,776 4,400 SH   SOLE 0 4,400 0 0
ISHARES 20 YEAR TREASURY BOND ETF ETF 464287432   471,210 5,313 SH   SOLE 0 5,246 0 67
FIRST TRUST ENHANCED SHORT MATURITY ETF ETF 33739Q408   2,322,015 39,078 SH   SOLE 0 38,963 0 115
ISHARES S&P SMALL-CAP 600 VALUE ETF ETF 464287879   200,923 2,252 SH   SOLE 0 2,252 0 0
INVESCO BULLETSHARES 2023 CORPORATE BOND ETF ETF 46138J866   25,632,784 1,207,385 SH   SOLE 0 1,159,533 0 47,852
INVESCO BULLETSHARES 2024 CORPORATE BOND ETF ETF 46138J841   25,456,180 1,231,552 SH   SOLE 0 1,186,561 0 44,991
VANGUARD SHORT-TERM BOND ETF ETF 921937827   200,031,279 2,661,052 SH   SOLE 0 2,565,369 0 95,683
EXXON MOBIL CORP COM Stock 30231G102   1,263,397 10,745 SH   SOLE 0 10,745 0 0
FIRST TRUST LOW DURATION OPPORTUNITIES ETF ETF 33739Q200   3,936,745 83,335 SH   SOLE 0 82,903 0 432
FIRST TRUST VALUE LINE DIVIDEND INDEX FUND ETF 33734H106   906,708 24,250 SH   SOLE 0 24,250 0 0
ISHARES CORE S&P MID-CAP ETF ETF 464287507   669,754 2,686 SH   SOLE 0 2,686 0 0
FIRST TRUST LARGE CAP GROWTH ALPHADEX FUND ETF 33735K108   991,500 10,247 SH   SOLE 0 10,247 0 0
ISHARES MSCI EAFE ETF ETF 464287465   2,248,653 32,627 SH   SOLE 0 32,332 0 295
APPLE INC COM Stock 037833100   940,903 5,496 SH   SOLE 0 5,095 0 400
ISHARES RUSSELL 1000 ETF ETF 464287622   809,500 3,446 SH   SOLE 0 3,246 0 200
SPDR BLOOMBERG 1-3 MONTH T-BILL ETF ETF 78468R663   1,648,169 17,950 SH   SOLE 0 17,950 0 0
ISHARES RUSSELL 1000 VALUE ETF ETF 464287598   282,385 1,860 SH   SOLE 0 1,860 0 0