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
ABBVIE INC COM 00287Y109   2,391,374 14,797 SH   SOLE   0 0 14,797
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   2,164,072 8,110 SH   SOLE   0 0 8,110
APPLE INC COM 037833100   4,575,076 35,212 SH   SOLE   0 0 35,212
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   341,643 1,106 SH   SOLE   0 0 1,106
BHP GROUP LTD SPONSORED ADS 088606108   1,625,303 26,193 SH   SOLE   0 0 26,193
BLACKROCK INC COM 09247X101   792,190 1,118 SH   SOLE   0 0 1,118
BLACKSTONE INC COM 09260D107   545,446 7,352 SH   SOLE   0 0 7,352
BOEING CO COM 097023105   355,470 1,866 SH   SOLE   0 0 1,866
BROADCOM INC COM 11135F101   947,216 1,694 SH   SOLE   0 0 1,694
CHEVRON CORP NEW COM 166764100   875,885 4,880 SH   SOLE   0 0 4,880
DOW INC COM 260557103   801,996 15,916 SH   SOLE   0 0 15,916
DUKE ENERGY CORP NEW COM NEW 26441C204   811,461 7,879 SH   SOLE   0 0 7,879
GENERAL MLS INC COM 370334104   583,442 6,958 SH   SOLE   0 0 6,958
GOLDMAN SACHS BDC INC SHS 38147U107   197,465 14,393 SH   SOLE   0 0 14,393
HONEYWELL INTL INC COM 438516106   365,596 1,706 SH   SOLE   0 0 1,706
ILLINOIS TOOL WKS INC COM 452308109   254,186 1,154 SH   SOLE   0 0 1,154
INVESCO EXCHANGE TRADED FD T DWA MOMENTUM 46137V837   1,197,789 16,858 SH   SOLE   0 0 16,858
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   583,589 4,132 SH   SOLE   0 0 4,132
INVESCO QQQ TR UNIT SER 1 46090E103   4,395,936 16,509 SH   SOLE   0 0 16,509
ISHARES INC MSCI GBL MIN VOL 464286525   4,274,452 44,985 SH   SOLE   0 0 44,985
ISHARES TR MSCI USA MMENTM 46432F396   7,670,971 52,566 SH   SOLE   0 0 52,566
ISHARES TR 3 7 YR TREAS BD 464288661   4,306,200 37,481 SH   SOLE   0 0 37,481
ISHARES TR CORE S&P500 ETF 464287200   224,206 584 SH   SOLE   0 0 584
ISHARES TR US INDUSTRIALS 464287754   1,880,799 19,498 SH   SOLE   0 0 19,498
ISHARES TR 1 3 YR TREAS BD 464287457   4,390,493 54,090 SH   SOLE   0 0 54,090
J P MORGAN EXCHANGE TRADED F ULTRA SHT MUNCPL 46641Q654   509,255 10,077 SH   SOLE   0 0 10,077
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332   576,977 10,589 SH   SOLE   0 0 10,589
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   6,061,739 120,920 SH   SOLE   0 0 120,920
JOHNSON & JOHNSON COM 478160104   2,205,168 12,483 SH   SOLE   0 0 12,483
JPMORGAN CHASE & CO COM 46625H100   1,132,187 8,443 SH   SOLE   0 0 8,443
KINDER MORGAN INC DEL COM 49456B101   800,103 44,253 SH   SOLE   0 0 44,253
KROGER CO COM 501044101   2,871,461 64,411 SH   SOLE   0 0 64,411
LOWES COS INC COM 548661107   1,640,342 8,233 SH   SOLE   0 0 8,233
MERCK & CO INC COM 58933Y105   1,382,607 12,462 SH   SOLE   0 0 12,462
MICROSOFT CORP COM 594918104   876,744 3,656 SH   SOLE   0 0 3,656
PACKAGING CORP AMER COM 695156109   1,365,174 10,673 SH   SOLE   0 0 10,673
PEPSICO INC COM 713448108   1,733,702 9,596 SH   SOLE   0 0 9,596
PIONEER NAT RES CO COM 723787107   1,440,434 6,307 SH   SOLE   0 0 6,307
PROCTER AND GAMBLE CO COM 742718109   679,184 4,481 SH   SOLE   0 0 4,481
QUALCOMM INC COM 747525103   1,328,286 12,082 SH   SOLE   0 0 12,082
RIO TINTO PLC SPONSORED ADR 767204100   1,581,338 22,210 SH   SOLE   0 0 22,210
SALESFORCE INC COM 79466L302   665,337 5,018 SH   SOLE   0 0 5,018
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   8,793,687 196,244 SH   SOLE   0 0 196,244
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   9,564,009 296,927 SH   SOLE   0 0 296,927
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   1,616,664 35,807 SH   SOLE   0 0 35,807
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763   5,163,272 110,515 SH   SOLE   0 0 110,515
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   10,094,528 133,632 SH   SOLE   0 0 133,632
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   1,718,641 42,425 SH   SOLE   0 0 42,425
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   6,232,985 263,328 SH   SOLE   0 0 263,328
SCHWAB STRATEGIC TR US REIT ETF 808524847   274,338 14,222 SH   SOLE   0 0 14,222
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   6,868,295 104,684 SH   SOLE   0 0 104,684
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407   1,805,636 13,980 SH   SOLE   0 0 13,980
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308   1,690,511 22,676 SH   SOLE   0 0 22,676
SMUCKER J M CO COM NEW 832696405   587,215 3,706 SH   SOLE   0 0 3,706
SPDR S&P 500 ETF TR TR UNIT 78462F103   298,729 781 SH   SOLE   0 0 781
SPDR SER TR S&P DIVID ETF 78464A763   1,191,321 9,522 SH   SOLE   0 0 9,522
SYSCO CORP COM 871829107   560,397 7,330 SH   SOLE   0 0 7,330
UNITED PARCEL SERVICE INC CL B 911312106   307,530 1,769 SH   SOLE   0 0 1,769
VANECK ETF TRUST GOLD MINERS ETF 92189F106   5,186,635 180,971 SH   SOLE   0 0 180,971
VANECK ETF TRUST BDC INCOME ETF 92189F411   401,851 28,399 SH   SOLE   0 0 28,399
VANECK ETF TRUST SEMICONDUCTR ETF 92189F676   946,640 4,665 SH   SOLE   0 0 4,665
VANGUARD INDEX FDS GROWTH ETF 922908736   305,406 1,433 SH   SOLE   0 0 1,433
VANGUARD INDEX FDS TOTAL STK MKT 922908769   2,896,002 15,147 SH   SOLE   0 0 15,147
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   340,109 968 SH   SOLE   0 0 968
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718   2,897,300 28,181 SH   SOLE   0 0 28,181
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   3,816,396 81,704 SH   SOLE   0 0 81,704
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   4,964,552 66,027 SH   SOLE   0 0 66,027
VANGUARD STAR FDS VG TL INTL STK F 921909768   1,232,419 23,829 SH   SOLE   0 0 23,829
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   571,907 5,285 SH   SOLE   0 0 5,285
VANGUARD WORLD FDS CONSUM STP ETF 92204A207   286,972 1,498 SH   SOLE   0 0 1,498
VANGUARD WORLD FDS FINANCIALS ETF 92204A405   857,820 10,369 SH   SOLE   0 0 10,369
VISA INC COM CL A 92826C839   889,344 4,281 SH   SOLE   0 0 4,281
WALMART INC COM 931142103   786,167 5,545 SH   SOLE   0 0 5,545
WP CAREY INC COM 92936U109   669,495 8,567 SH   SOLE   0 0 8,567