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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
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203   558,911 21,406 SH   SOLE   0 0 21,406
EXXON MOBIL CORP COM 30231G102   372,415 3,167 SH   SOLE   0 0 3,167
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   5,560,944 39,247 SH   SOLE   0 0 39,247
INVESCO EXCHANGE TRADED FD T S&P 500 TOP 50 46137V233   455,571 13,414 SH   SOLE   0 0 13,414
INVESCO QQQ TR UNIT SER 1 46090E103   13,017,555 36,334 SH   SOLE   0 0 36,334
ISHARES INC CORE MSCI EMKT 46434G103   6,013,470 126,359 SH   SOLE   0 0 126,359
ISHARES TR IBOXX HI YD ETF 464288513   7,295,805 98,966 SH   SOLE   0 0 98,966
ISHARES TR S&P MC 400GR ETF 464287606   2,163,080 29,942 SH   SOLE   0 0 29,942
ISHARES TR GLB CNSM STP ETF 464288737   232,216 4,069 SH   SOLE   0 0 4,069
ISHARES TR MSCI USA MIN VOL 46429B697   11,109,352 153,486 SH   SOLE   0 0 153,486
ISHARES TR CORE S&P500 ETF 464287200   2,259,120 5,260 SH   SOLE   0 0 5,260
ISHARES U S ETF TR BLACKROCK ST MAT 46431W507   600,626 12,039 SH   SOLE   0 0 12,039
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   4,440,901 88,499 SH   SOLE   0 0 88,499
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   365,919 10,775 SH   SOLE   0 0 10,775
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771   2,376,625 42,462 SH   SOLE   0 0 42,462
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   241,645 3,415 SH   SOLE   0 0 3,415
SPDR S&P 500 ETF TR TR UNIT 78462F103   720,352 1,685 SH   SOLE   0 0 1,685
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   1,606,386 3,517 SH   SOLE   0 0 3,517
SPDR SER TR PORTFOLI S&P1500 78464A805   262,477 5,000 SH   SOLE   0 0 5,000
UNITED PARCEL SERVICE INC CL B 911312106   315,739 2,025 SH   SOLE   0 0 2,025
VANECK ETF TRUST MRNGSTR WDE MOAT 92189F643   12,051,051 158,900 SH   SOLE   0 0 158,900
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   10,436,638 138,840 SH   SOLE   0 0 138,840
VANGUARD BD INDEX FDS INTERMED TERM 921937819   11,364,701 157,166 SH   SOLE   0 0 157,166
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   7,757,477 111,170 SH   SOLE   0 0 111,170
VANGUARD INTL EQUITY INDEX F FTSE PACIFIC ETF 922042866   487,488 7,289 SH   SOLE   0 0 7,289
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   703,635 9,363 SH   SOLE   0 0 9,363
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   1,281,059 8,244 SH   SOLE   0 0 8,244
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   8,745,269 84,642 SH   SOLE   0 0 84,642
VICTORY PORTFOLIOS II SHORT TRM BD ETF 92647N535   1,277,162 26,107 SH   SOLE   0 0 26,107