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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ENERGY SELECT SECTOR SPDR FUND ETF 81369Y506   201,815 2,307 SH   SOLE   0 0 2,307
SPDR S&P 600 SMALL CAP GROWTH ETF ETF 78464A201   226,566 3,136 SH   SOLE   0 0 3,136
VANGUARD S&P SMALL-CAP 600 VALUE ETF ETF 921932778   229,340 1,460 SH   SOLE   0 0 1,460
MICROSOFT CORP COM Stock 594918104   241,604 1,007 SH   SOLE   0 0 1,007
AMAZON COM INC COM Stock 023135106   242,592 2,888 SH   SOLE   0 0 2,888
VANGUARD MID-CAP ETF ETF 922908629   286,719 1,407 SH   SOLE   0 0 1,407
APPLE INC COM Stock 037833100   295,647 2,275 SH   SOLE   0 0 2,275
ISHARES 1-3 YEAR TREASURY BOND ETF ETF 464287457   305,787 3,767 SH   SOLE   0 0 3,767
ISHARES RUSSELL 1000 VALUE ETF ETF 464287598   339,491 2,239 SH   SOLE   0 0 2,239
VANGUARD MID-CAP VALUE ETF ETF 922908512   441,799 3,267 SH   SOLE   0 0 3,267
INVESCO NASDAQ 100 ETF ETF 46138G649   497,943 4,546 SH   SOLE   0 0 4,546
SCHWAB U.S. SMALL-CAP ETF ETF 808524607   537,007 13,256 SH   SOLE   0 0 13,256
VANGUARD MID-CAP GROWTH ETF ETF 922908538   575,903 3,204 SH   SOLE   0 0 3,204
ISHARES SHORT TREASURY BOND ETF ETF 464288679   638,707 5,811 SH   SOLE   0 0 5,811
INVESCO S&P 500 MOMENTUM ETF ETF 46138E339   724,310 12,756 SH   SOLE   0 0 12,756
VANGUARD S&P 500 VALUE ETF ETF 921932703   775,581 5,537 SH   SOLE   0 0 5,537
SCHWAB U.S. MID-CAP ETF ETF 808524508   843,209 12,852 SH   SOLE   0 0 12,852
ISHARES RUSSELL 2000 ETF ETF 464287655   857,508 4,918 SH   SOLE   0 0 4,918
VANECK SEMICONDUCTOR ETF ETF 92189F676   997,579 4,916 SH   SOLE   0 0 4,916
VANGUARD S&P SMALL-CAP 600 GROWTH ETF ETF 921932794   1,061,685 5,696 SH   SOLE   0 0 5,696
HEALTH CARE SELECT SECTOR SPDR FUND ETF 81369Y209   1,256,000 9,245 SH   SOLE   0 0 9,245
SPDR PORTFOLIO S&P 500 VALUE ETF ETF 78464A508   1,269,949 32,655 SH   SOLE   0 0 32,655
ISHARES RUSSELL MID-CAP VALUE ETF ETF 464287473   1,299,234 12,334 SH   SOLE   0 0 12,334
ISHARES RUSSELL 2000 VALUE ETF ETF 464287630   1,965,024 14,171 SH   SOLE   0 0 14,171
ISHARES RUSSELL 1000 GROWTH ETF ETF 464287614   2,959,072 13,812 SH   SOLE   0 0 13,812
ISHARES RUSSELL 1000 ETF ETF 464287622   3,441,388 16,347 SH   SOLE   0 0 16,347
VANGUARD S&P 500 ETF ETF 922908363   3,542,436 10,083 SH   SOLE   0 0 10,083
ISHARES RUSSELL MID-CAP GROWTH ETF ETF 464287481   3,543,256 42,383 SH   SOLE   0 0 42,383
ISHARES RUSSELL 2000 GROWTH ETF ETF 464287648   3,786,030 17,649 SH   SOLE   0 0 17,649
SPDR DOW JONES INDUSTRIAL AVERAGE ETF TRUST ETF 78467X109   3,856,564 11,640 SH   SOLE   0 0 11,640
SPDR PORTFOLIO S&P 500 GROWTH ETF ETF 78464A409   3,902,466 77,017 SH   SOLE   0 0 77,017
SPDR S&P 500 ETF TRUST ETF 78462F103   4,341,341 11,352 SH   SOLE   0 0 11,352
SCHWAB FUNDAMENTAL US LARGE CO. INDEX ETF ETF 808524771   4,482,137 83,872 SH   SOLE   0 0 83,872
INVESCO QQQ TRUST ETF 46090E103   5,322,836 19,990 SH   SOLE   0 0 19,990
SCHWAB U.S. LARGE-CAP VALUE ETF ETF 808524409   5,577,814 84,487 SH   SOLE   0 0 84,487
SCHWAB U.S. LARGE-CAP GROWTH ETF ETF 808524300   5,721,959 102,987 SH   SOLE   0 0 102,987
SCHWAB SHORT-TERM US TREASURY ETF ETF 808524862   6,470,820 134,138 SH   SOLE   0 0 134,138
SPDR BLOOMBERG 1-3 MONTH T-BILL ETF ETF 78468R663   10,235,449 111,900 SH   SOLE   0 0 111,900