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
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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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
APPLE INC COM 037833100 1,549 11,332 SH   SOLE   0 0 11,332
CSX CORP COM 126408103 329 11,337 SH   SOLE   0 0 11,337
DBX ETF TR XTRACK USD HIGH 233051432 649 19,253 SH   SOLE   0 0 19,253
FIDELITY COVINGTON TRUST MSCI UTILS INDEX 316092865 654 14,495 SH   SOLE   0 0 14,495
INNOVATOR ETFS TR US EQT ULTRA BF 45782C300 4,547 156,152 SH   SOLE   0 298 155,854
INNOVATOR ETFS TR US EQTY PWR BUF 45782C318 4,473 163,779 SH   SOLE   0 316 163,463
INNOVATOR ETFS TR US EQTY PWR BUF 45782C748 4,308 148,152 SH   SOLE   0 285 147,867
INVESCO QQQ TR UNIT SER 1 46090E103 1,218 4,346 SH   SOLE   0 9 4,337
ISHARES TR PFD AND INCM SEC 464288687 5,123 155,806 SH   SOLE   0 83 155,723
JOHNSON & JOHNSON COM 478160104 205 1,153 SH   SOLE   0 0 1,153
MICROSOFT CORP COM 594918104 1,027 4,000 SH   SOLE   0 0 4,000
SPDR SER TR PRTFLO S&P500 GW 78464A409 13,090 250,385 SH   SOLE   0 529 249,856
SPDR SER TR PORTFLI INTRMDIT 78464A672 786 26,660 SH   SOLE   0 0 26,660
SPDR SER TR PORTFOLIO SH TSR 78468R101 2,052 69,669 SH   SOLE   0 0 69,669
SPDR SER TR BLOOMBERG HIGH Y 78468R622 5,085 56,053 SH   SOLE   0 33 56,020
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 4,153 32,388 SH   SOLE   0 65 32,323
SELECT SECTOR SPDR TR FINANCIAL 81369Y605 3,848 122,367 SH   SOLE   0 244 122,123
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 3,967 31,208 SH   SOLE   0 61 31,147
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886 5,515 78,644 SH   SOLE   0 181 78,463
VANECK ETF TRUST HIGH YLD MUNIETF 92189H409 8,723 161,992 SH   SOLE   0 87 161,905
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 1,838 24,421 SH   SOLE   0 52 24,369
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 12,574 123,638 SH   SOLE   0 247 123,391
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 15,666 266,163 SH   SOLE   0 156 266,007
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 18,736 245,680 SH   SOLE   0 131 245,549
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 6,086 99,517 SH   SOLE   0 58 99,459
VANGUARD INDEX FDS MID CAP ETF 922908629 780 3,961 SH   SOLE   0 8 3,953
WORLD GOLD TR SPDR GLD MINIS 98149E303 1,686 46,980 SH   SOLE   0 95 46,885