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
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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
AMAZON COM INC COM 023135106   274,252 1,805 SH   SOLE   0 0 1,805
APPLE INC COM 037833100   427,407 2,219 SH   SOLE   0 0 2,219
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203   613,068 21,406 SH   SOLE   0 0 21,406
EXXON MOBIL CORP COM 30231G102   328,949 3,290 SH   SOLE   0 0 3,290
HUMANA INC COM 444859102   207,388 453 SH   SOLE   0 0 453
INVESCO EXCHANGE TRADED FD T S&P 500 TOP 50 46137V233   319,076 8,459 SH   SOLE   0 0 8,459
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   6,080,499 38,532 SH   SOLE   0 0 38,532
INVESCO EXCHANGE TRADED FD T S&P 500 GARP ETF 46137V431   7,344,372 74,912 SH   SOLE   0 0 74,912
INVESCO QQQ TR UNIT SER 1 46090E103   14,884,066 36,345 SH   SOLE   0 0 36,345
ISHARES INC CORE MSCI EMKT 46434G103   4,878,468 96,450 SH   SOLE   0 0 96,450
ISHARES TR IBOXX HI YD ETF 464288513   7,778,761 100,513 SH   SOLE   0 0 100,513
ISHARES TR MSCI USA MIN VOL 46429B697   12,188,035 156,196 SH   SOLE   0 0 156,196
ISHARES TR CORE S&P MCP ETF 464287507   200,102 722 SH   SOLE   0 0 722
ISHARES TR ISHS 5-10YR INVT 464288638   224,380 4,315 SH   SOLE   0 0 4,315
ISHARES TR S&P MC 400GR ETF 464287606   2,122,391 26,791 SH   SOLE   0 0 26,791
ISHARES TR CORE S&P500 ETF 464287200   2,287,208 4,788 SH   SOLE   0 0 4,788
ISHARES U S ETF TR BLACKROCK SH DUR 46431W507   608,210 12,039 SH   SOLE   0 0 12,039
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   1,241,824 24,722 SH   SOLE   0 0 24,722
MICROSOFT CORP COM 594918104   958,206 2,548 SH   SOLE   0 0 2,548
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771   2,770,626 44,730 SH   SOLE   0 0 44,730
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   358,253 9,693 SH   SOLE   0 0 9,693
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854   4,365,714 87,806 SH   SOLE   0 0 87,806
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   259,984 3,415 SH   SOLE   0 0 3,415
SPDR S&P 500 ETF TR TR UNIT 78462F103   1,071,093 2,253 SH   SOLE   0 0 2,253
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   1,587,286 3,128 SH   SOLE   0 0 3,128
SPDR SER TR PORTFOLI S&P1500 78464A805   590,808 10,107 SH   SOLE   0 0 10,107
VANECK ETF TRUST MRNGSTR WDE MOAT 92189F643   13,890,842 163,671 SH   SOLE   0 0 163,671
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   8,765,886 119,182 SH   SOLE   0 0 119,182
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   7,954,859 103,283 SH   SOLE   0 0 103,283
VANGUARD BD INDEX FDS INTERMED TERM 921937819   11,994,807 157,041 SH   SOLE   0 0 157,041
VANGUARD INDEX FDS TOTAL STK MKT 922908769   310,879 1,310 SH   SOLE   0 0 1,310
VANGUARD INTL EQUITY INDEX F FTSE PACIFIC ETF 922042866   525,027 7,289 SH   SOLE   0 0 7,289
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   203,534 2,504 SH   SOLE   0 0 2,504
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   564,418 7,295 SH   SOLE   0 0 7,295
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   1,264,712 7,422 SH   SOLE   0 0 7,422
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   8,564,485 76,722 SH   SOLE   0 0 76,722
VICTORY PORTFOLIOS II SHORT TRM BD ETF 92647N535   1,625,442 32,777 SH   SOLE   0 0 32,777
WISDOMTREE TR US QTLY DIV GRT 97717X669   557,110 7,927 SH   SOLE   0 0 7,927