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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
ALPHABET INC CAP STK CL C 02079K107   246,661 1,620 SH   SOLE   0 0 1,620
ALPHABET INC CAP STK CL A 02079K305   281,484 1,865 SH   SOLE   0 0 1,865
AMAZON COM INC COM 023135106   325,586 1,805 SH   SOLE   0 0 1,805
APPLE INC COM 037833100   503,782 2,937 SH   SOLE   0 0 2,937
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203   646,889 21,406 SH   SOLE   0 0 21,406
EXXON MOBIL CORP COM 30231G102   382,446 3,290 SH   SOLE   0 0 3,290
INVESCO EXCHANGE TRADED FD T S&P 500 TOP 50 46137V233   356,415 8,459 SH   SOLE   0 0 8,459
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   6,487,727 38,305 SH   SOLE   0 0 38,305
INVESCO EXCHANGE TRADED FD T S&P 500 GARP ETF 46137V431   9,778,426 91,824 SH   SOLE   0 0 91,824
INVESCO QQQ TR UNIT SER 1 46090E103   17,039,130 38,375 SH   SOLE   0 0 38,375
ISHARES INC CORE MSCI EMKT 46434G103   2,198,424 42,605 SH   SOLE   0 0 42,605
ISHARES TR CORE S&P MCP ETF 464287507   219,271 3,610 SH   SOLE   0 0 3,610
ISHARES TR S&P MC 400GR ETF 464287606   1,975,631 21,650 SH   SOLE   0 0 21,650
ISHARES TR CORE S&P500 ETF 464287200   2,510,787 4,775 SH   SOLE   0 0 4,775
ISHARES TR HDG MSCI EAFE 46434V803   4,030,733 115,560 SH   SOLE   0 0 115,560
ISHARES TR ISHS 5-10YR INVT 464288638   4,521,008 87,616 SH   SOLE   0 0 87,616
ISHARES TR MSCI USA MIN VOL 46429B697   12,441,756 148,860 SH   SOLE   0 0 148,860
ISHARES TR IBOXX HI YD ETF 464288513   6,224,666 80,080 SH   SOLE   0 0 80,080
ISHARES U S ETF TR BLACKROCK SH DUR 46431W507   607,488 12,039 SH   SOLE   0 0 12,039
MICROSOFT CORP COM 594918104   882,312 2,097 SH   SOLE   0 0 2,097
NETFLIX INC COM 64110L106   371,079 611 SH   SOLE   0 0 611
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   365,500 9,367 SH   SOLE   0 0 9,367
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771   4,782,471 70,967 SH   SOLE   0 0 70,967
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   860,389 10,670 SH   SOLE   0 0 10,670
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854   6,804,630 138,728 SH   SOLE   0 0 138,728
SPDR S&P 500 ETF TR TR UNIT 78462F103   1,178,797 2,253 SH   SOLE   0 0 2,253
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   1,740,931 3,128 SH   SOLE   0 0 3,128
SPDR SER TR PRTFLO S&P500 VL 78464A508   465,857 9,298 SH   SOLE   0 0 9,298
SPDR SER TR PORTFOLI S&P1500 78464A805   536,188 8,358 SH   SOLE   0 0 8,358
VANECK ETF TRUST FALLEN ANGEL HG 92189F437   1,051,301 36,226 SH   SOLE   0 0 36,226
VANECK ETF TRUST MRNGSTR WDE MOAT 92189F643   15,468,750 172,066 SH   SOLE   0 0 172,066
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   8,025,747 110,501 SH   SOLE   0 0 110,501
VANGUARD BD INDEX FDS INTERMED TERM 921937819   13,017,375 172,644 SH   SOLE   0 0 172,644
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   5,156,609 67,257 SH   SOLE   0 0 67,257
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   1,443,544 3,003 SH   SOLE   0 0 3,003
VANGUARD INDEX FDS TOTAL STK MKT 922908769   340,947 1,311 SH   SOLE   0 0 1,311
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   244,046 3,156 SH   SOLE   0 0 3,156
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   204,693 2,542 SH   SOLE   0 0 2,542
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   1,342,899 7,353 SH   SOLE   0 0 7,353
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   7,973,695 65,903 SH   SOLE   0 0 65,903
VANGUARD WORLD FD MEGA CAP VAL ETF 921910840   231,687 1,938 SH   SOLE   0 0 1,938
VANGUARD WORLD FD CONSUM DIS ETF 92204A108   553,486 1,742 SH   SOLE   0 0 1,742
VANGUARD WORLD FD INF TECH ETF 92204A702   1,763,355 3,363 SH   SOLE   0 0 3,363
VICTORY PORTFOLIOS II SHORT TRM BD ETF 92647N535   2,239,111 44,934 SH   SOLE   0 0 44,934
WISDOMTREE TR US QTLY DIV GRT 97717X669   4,940,705 64,847 SH   SOLE   0 0 64,847