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
Estimated average burden
hours per response: 23.8
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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 17,173 98,770 SH   SOLE   0 0 0
SPDR SER TR PRTFLO S&P500 GW 78464A409 15,854 218,769 SH   SOLE   0 0 0
SPDR SER TR PRTFLO S&P500 VL 78464A508 10,937 260,405 SH   SOLE   0 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 8,652 107,566 SH   SOLE   0 0 0
SPDR SER TR PORTFOLIO AGRGTE 78464A649 8,565 289,166 SH   SOLE   0 0 0
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 6,934 49,218 SH   SOLE   0 0 0
ISHARES TR BROAD USD HIGH 46435U853 6,687 162,338 SH   SOLE   0 0 0
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 6,236 170,931 SH   SOLE   0 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 6,136 59,917 SH   SOLE   0 0 0
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 5,650 27,635 SH   SOLE   0 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870 5,503 87,501 SH   SOLE   0 0 0
ISHARES TR CRE U S REIT ETF 464288521 4,983 73,720 SH   SOLE   0 0 0
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 4,931 118,859 SH   SOLE   0 0 0
ISHARES TR JPMORGAN USD EMG 464288281 4,465 40,945 SH   SOLE   0 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 4,462 54,912 SH   SOLE   0 0 0
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771 4,370 82,699 SH   SOLE   0 0 0
INVESCO EXCH TRADED FD TR II SR LN ETF 46138G508 4,221 190,979 SH   SOLE   0 0 0
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852 4,218 54,305 SH   SOLE   0 0 0
WORLD GOLD TR SPDR GLD MINIS 98149E204 4,021 221,159 SH   SOLE   0 0 0
SPDR SER TR PORTFOLIO S&P500 78464A854 3,858 69,106 SH   SOLE   0 0 0
SELECT SECTOR SPDR TR FINANCIAL 81369Y605 3,704 94,852 SH   SOLE   0 0 0
INVESCO EXCH TRADED FD TR II PFD ETF 46138E511 3,576 238,419 SH   SOLE   0 0 0
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704 3,331 31,482 SH   SOLE   0 0 0
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308 3,161 40,987 SH   SOLE   0 0 0
SPDR SER TR PORTFOLIO LN COR 78464A367 2,895 91,967 SH   SOLE   0 0 0
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 2,798 68,357 SH   SOLE   0 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 2,369 25,541 SH   SOLE   0 0 0
SPDR SER TR BLOOMBERG CONV 78464A359 1,844 22,225 SH   SOLE   0 0 0
GLOBAL X FDS GLBL X MLP ETF 37954Y343 1,432 40,937 SH   SOLE   0 0 0
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 1,282 11,929 SH   SOLE   0 0 0
SELECT SECTOR SPDR TR ENERGY 81369Y506 1,224 22,056 SH   SOLE   0 0 0
ISHARES TR 0-5YR HI YL CP 46434V407 1,224 27,012 SH   SOLE   0 0 0
SPDR SER TR PORTFOLIO SH TSR 78468R101 1,222 40,173 SH   SOLE   0 0 0
VANECK ETF TRUST SHRT HGH YLD MUN 92189F387 1,210 48,119 SH   SOLE   0 0 0
SPDR SER TR NUVEEN BLOOMBERG 78464A284 1,152 19,169 SH   SOLE   0 0 0
INVESCO EXCH TRADED FD TR II NATL AMT MUNI 46138E537 1,134 41,837 SH   SOLE   0 0 0
SPDR SER TR BLOOMBERG INVT 78468R200 1,119 36,575 SH   SOLE   0 0 0
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886 1,094 15,278 SH   SOLE   0 0 0
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100 1,033 11,398 SH   SOLE   0 0 0
APPLE INC COM 037833100 1,027 5,781 SH   SOLE   0 0 0
SCHWAB STRATEGIC TR INTRM TRM TRES 808524854 1,023 18,216 SH   SOLE   0 0 0
SPDR SER TR PORTFOLIO S&P400 78464A847 1,016 20,417 SH   SOLE   0 0 0
SPDR SER TR PORTFOLIO S&P600 78468R853 765 17,115 SH   SOLE   0 0 0
SOUTHERN CO COM 842587107 661 9,634 SH   SOLE   0 0 0
ISHARES TR EAFE VALUE ETF 464288877 569 11,283 SH   SOLE   0 0 0
ISHARES TR SHRT NAT MUN ETF 464288158 544 5,065 SH   SOLE   0 0 0
J P MORGAN EXCHANGE-TRADED F ULTRA SHRT INC 46641Q837 530 10,492 SH   SOLE   0 0 0
ISHARES TR EAFE GRWTH ETF 464288885 521 4,722 SH   SOLE   0 0 0
ISHARES TR NATIONAL MUN ETF 464288414 488 4,196 SH   SOLE   0 0 0
SPDR SER TR PORTFOLIO LN TSR 78464A664 441 10,460 SH   SOLE   0 0 0
INVESCO EXCH TRADED FD TR II GBL SRT TRM HY 46138E669 439 20,535 SH   SOLE   0 0 0
ISHARES INC JP MRGN EM HI BD 464286285 385 8,935 SH   SOLE   0 0 0
INVESCO EXCH TRADED FD TR II TAXABLE MUN BD 46138G805 334 10,123 SH   SOLE   0 0 0
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 333 6,475 SH   SOLE   0 0 0
MICROSOFT CORP COM 594918104 330 980 SH   SOLE   0 0 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2022 HY 46138J874 312 13,431 SH   SOLE   0 0 0
TREEHOUSE FOODS INC COM 89469A104 306 7,549 SH   SOLE   0 0 0
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 293 1,149 SH   SOLE   0 0 0
AMAZON COM INC COM 023135106 247 74 SH   SOLE   0 0 0
ISHARES TR CMBS ETF 46429B366 231 4,354 SH   SOLE   0 0 0