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
SPDR SER TR PRTFLO S&P500 GW 78464A409 8,930 134,880 SH   SOLE   0 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 6,047 79,708 SH   SOLE   0 0 0
SPDR SER TR PRTFLO S&P500 VL 78464A508 5,842 139,917 SH   SOLE   0 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 4,743 29,845 SH   SOLE   0 0 0
ISHARES TR BROAD USD HIGH 46435U853 4,683 120,517 SH   SOLE   0 0 0
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 4,327 126,233 SH   SOLE   0 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 4,291 90,599 SH   SOLE   0 0 0
SPDR SER TR PORTFOLIO LN COR 78464A367 3,005 108,134 SH   SOLE   0 0 0
WORLD GOLD TR SPDR GLD MINIS 98149E303 2,801 72,814 SH   SOLE   0 0 0
INVESCO EXCH TRADED FD TR II SR LN ETF 46138G508 2,675 122,889 SH   SOLE   0 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870 2,493 41,068 SH   SOLE   0 0 0
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771 2,471 49,319 SH   SOLE   0 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 2,436 31,190 SH   SOLE   0 0 0
SPDR SER TR PORTFOLIO SH TSR 78468R101 2,415 81,445 SH   SOLE   0 0 0
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 2,407 63,393 SH   SOLE   0 0 0
SPDR SER TR PORTFOLIO S&P500 78464A854 2,343 44,105 SH   SOLE   0 0 0
INVESCO EXCH TRADED FD TR II PFD ETF 46138E511 2,240 165,083 SH   SOLE   0 0 0
ISHARES TR CRE U S REIT ETF 464288521 2,238 34,624 SH   SOLE   0 0 0
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 2,204 11,916 SH   SOLE   0 0 0
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 2,083 53,908 SH   SOLE   0 0 0
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852 1,922 27,948 SH   SOLE   0 0 0
ISHARES TR JPMORGAN USD EMG 464288281 1,835 18,775 SH   SOLE   0 0 0
SPDR SER TR BLOOMBERG CONV 78464A359 1,747 22,700 SH   SOLE   0 0 0
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 1,499 10,943 SH   SOLE   0 0 0
SPDR SER TR PORTFOLIO LN TSR 78464A664 1,461 38,620 SH   SOLE   0 0 0
APPLE INC COM 037833100 1,107 6,340 SH   SOLE   0 0 0
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704 1,081 10,501 SH   SOLE   0 0 0
GLOBAL X FDS GLBL X MLP ETF 37954Y343 1,081 26,827 SH   SOLE   0 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 1,080 12,548 SH   SOLE   0 0 0
SELECT SECTOR SPDR TR FINANCIAL 81369Y605 1,061 27,693 SH   SOLE   0 0 0
SPDR SER TR PORTFOLIO AGRGTE 78464A649 1,022 36,779 SH   SOLE   0 0 0
LOWES COS INC COM 548661107 1,021 5,052 SH   SOLE   0 0 0
SPDR SER TR PORTFOLIO S&P400 78464A847 892 18,912 SH   SOLE   0 0 0
WALMART INC COM 931142103 817 5,483 SH   SOLE   0 0 0
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 796 7,860 SH   SOLE   0 0 0
VANECK ETF TRUST SHRT HGH YLD MUN 92189F387 787 33,842 SH   SOLE   0 0 0
PROCTER AND GAMBLE CO COM 742718109 733 4,798 SH   SOLE   0 0 0
ISHARES TR 0-5YR HI YL CP 46434V407 724 16,465 SH   SOLE   0 0 0
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308 718 9,467 SH   SOLE   0 0 0
SOUTHERN CO COM 842587107 699 9,634 SH   SOLE   0 0 0
SCHWAB STRATEGIC TR INTRM TRM TRES 808524854 648 12,166 SH   SOLE   0 0 0
SYSCO CORP COM 871829107 599 7,330 SH   SOLE   0 0 0
SELECT SECTOR SPDR TR ENERGY 81369Y506 597 7,816 SH   SOLE   0 0 0
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886 579 7,774 SH   SOLE   0 0 0
INVESCO EXCH TRADED FD TR II NATL AMT MUNI 46138E537 576 23,109 SH   SOLE   0 0 0
J P MORGAN EXCHANGE-TRADED F ULTRA SHRT INC 46641Q837 522 10,376 SH   SOLE   0 0 0
SPDR SER TR PORTFOLIO S&P600 78468R853 510 12,117 SH   SOLE   0 0 0
SPDR SER TR BLOOMBERG INVT 78468R200 481 15,766 SH   SOLE   0 0 0
GENERAL MLS INC COM 370334104 471 6,958 SH   SOLE   0 0 0
ISHARES TR NATIONAL MUN ETF 464288414 469 4,277 SH   SOLE   0 0 0
HONEYWELL INTL INC COM 438516106 443 2,277 SH   SOLE   0 0 0
UNITED PARCEL SERVICE INC CL B 911312106 388 1,808 SH   SOLE   0 0 0
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100 370 4,202 SH   SOLE   0 0 0
MICROSOFT CORP COM 594918104 363 1,176 SH   SOLE   0 0 0
SPDR SER TR NUVEEN BLOOMBERG 78464A284 348 6,307 SH   SOLE   0 0 0
INVESCO EXCH TRADED FD TR II GBL SRT TRM HY 46138E669 305 15,296 SH   SOLE   0 0 0
BOEING CO COM 097023105 303 1,583 SH   SOLE   0 0 0
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 273 1,225 SH   SOLE   0 0 0
ISHARES TR EAFE VALUE ETF 464288877 255 5,083 SH   SOLE   0 0 0
TREEHOUSE FOODS INC COM 89469A104 244 7,549 SH   SOLE   0 0 0
AMAZON COM INC COM 023135106 241 74 SH   SOLE   0 0 0
STANLEY BLACK & DECKER INC COM 854502101 232 1,662 SH   SOLE   0 0 0
3M CO COM 88579Y101 225 1,513 SH   SOLE   0 0 0
ISHARES TR CORE S&P500 ETF 464287200 215 474 SH   SOLE   0 0 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2023 HY 46138J858 202 8,245 SH   SOLE   0 0 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2022 HY 46138J874 202 8,811 SH   SOLE   0 0 0