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
AGILENT TECHNOLOGIES INC COM 00846U101 410 2,600 SH   SOLE   2,600 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108 402 6,800 SH   SOLE   6,800 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 409 1,500 SH   SOLE   1,500 0 0
EXPEDITORS INTL WASH INC COM 302130109 405 3,400 SH   SOLE   3,400 0 0
HERSHEY CO COM 427866108 406 2,400 SH   SOLE   2,400 0 0
NISOURCE INC COM 65473P105 417 17,200 SH   SOLE   17,200 0 0
EVERSOURCE ENERGY COM 30040W108 409 5,000 SH   SOLE   5,000 0 0
CONAGRA BRANDS INC COM 205887102 413 12,200 SH   SOLE   12,200 0 0
ALTRIA GROUP INC COM 02209S103 387 8,500 SH   SOLE   8,500 0 0
HORMEL FOODS CORP COM 440452100 410 10,000 SH   SOLE   10,000 0 0
GRAINGER W W INC COM 384802104 393 1,000 SH   SOLE   1,000 0 0
ILLINOIS TOOL WKS INC COM 452308109 393 1,900 SH   SOLE   1,900 0 0
ORACLE CORP COM 68389X105 392 4,500 SH   SOLE   4,500 0 0
SHERWIN WILLIAMS CO COM 824348106 420 1,500 SH   SOLE   1,500 0 0
SEMPRA COM 816851109 417 3,300 SH   SOLE   3,300 0 0
JOHNSON & JOHNSON COM 478160104 404 2,500 SH   SOLE   2,500 0 0
MEDTRONIC PLC SHS G5960L103 401 3,200 SH   SOLE   3,200 0 0
PFIZER INC COM 717081103 409 9,500 SH   SOLE   9,500 0 0
EXELON CORP COM 30161N101 411 8,500 SH   SOLE   8,500 0 0
MOTOROLA SOLUTIONS INC COM NEW 620076307 418 1,800 SH   SOLE   1,800 0 0
AT&T INC COM 00206R102 405 15,000 SH   SOLE   15,000 0 0
CISCO SYS INC COM 17275R102 403 7,400 SH   SOLE   7,400 0 0
COCA COLA CO COM 191216100 409 7,800 SH   SOLE   7,800 0 0
LOCKHEED MARTIN CORP COM 539830109 414 1,200 SH   SOLE   1,200 0 0
PEPSICO INC COM 713448108 406 2,700 SH   SOLE   2,700 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 410 7,600 SH   SOLE   7,600 0 0
AMETEK INC COM 031100100 397 3,200 SH   SOLE   3,200 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103 420 2,100 SH   SOLE   2,100 0 0
WALMART INC COM 931142103 404 2,900 SH   SOLE   2,900 0 0
BAXTER INTL INC COM 071813109 410 5,100 SH   SOLE   5,100 0 0
COLGATE PALMOLIVE CO COM 194162103 408 5,400 SH   SOLE   5,400 0 0
COSTCO WHSL CORP NEW COM 22160K105 404 900 SH   SOLE   900 0 0
DOMINION ENERGY INC COM 25746U109 409 5,600 SH   SOLE   5,600 0 0
MERCK & CO INC COM 58933Y105 421 5,600 SH   SOLE   5,600 0 0
ENTERGY CORP NEW COM 29364G103 407 4,100 SH   SOLE   4,100 0 0
PROCTER AND GAMBLE CO COM 742718109 405 2,900 SH   SOLE   2,900 0 0
KIMBERLY-CLARK CORP COM 494368103 411 3,100 SH   SOLE   3,100 0 0
GILEAD SCIENCES INC COM 375558103 412 5,900 SH   SOLE   5,900 0 0
IDEX CORP COM 45167R104 393 1,900 SH   SOLE   1,900 0 0
HOME DEPOT INC COM 437076102 394 1,200 SH   SOLE   1,200 0 0
MCDONALDS CORP COM 580135101 410 1,700 SH   SOLE   1,700 0 0
MONDELEZ INTL INC CL A 609207105 407 7,000 SH   SOLE   7,000 0 0
XCEL ENERGY INC COM 98389B100 419 6,700 SH   SOLE   6,700 0 0
UNITEDHEALTH GROUP INC COM 91324P102 391 1,000 SH   SOLE   1,000 0 0
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 416 1,300 SH   SOLE   1,300 0 0
MARSH & MCLENNAN COS INC COM 571748102 409 2,700 SH   SOLE   2,700 0 0
3M CO COM 88579Y101 403 2,300 SH   SOLE   2,300 0 0
WASTE MGMT INC DEL COM 94106L109 403 2,700 SH   SOLE   2,700 0 0
SMUCKER J M CO COM NEW 832696405 408 3,400 SH   SOLE   3,400 0 0
NORFOLK SOUTHN CORP COM 655844108 407 1,700 SH   SOLE   1,700 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204 410 4,200 SH   SOLE   4,200 0 0
CSX CORP COM 126408103 399 13,400 SH   SOLE   13,400 0 0
ALLSTATE CORP COM 020002101 407 3,200 SH   SOLE   3,200 0 0
ALLIANT ENERGY CORP COM 018802108 409 7,300 SH   SOLE   7,300 0 0
AMERICAN WTR WKS CO INC NEW COM 030420103 406 2,400 SH   SOLE   2,400 0 0
PPL CORP COM 69351T106 404 14,500 SH   SOLE   14,500 0 0
DTE ENERGY CO COM 233331107 413 3,700 SH   SOLE   3,700 0 0
VERISIGN INC COM 92343E102 410 2,000 SH   SOLE   2,000 0 0
AON PLC SHS CL A G0403H108 400 1,400 SH   SOLE   1,400 0 0
GENERAL MLS INC COM 370334104 413 6,900 SH   SOLE   6,900 0 0
AMEREN CORP COM 023608102 405 5,000 SH   SOLE   5,000 0 0
KELLOGG CO COM 487836108 409 6,400 SH   SOLE   6,400 0 0
PUBLIC SVC ENTERPRISE GRP IN COM 744573106 414 6,800 SH   SOLE   6,800 0 0
GENERAL DYNAMICS CORP COM 369550108 412 2,100 SH   SOLE   2,100 0 0
SOUTHERN CO COM 842587107 409 6,600 SH   SOLE   6,600 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 278 5,556 SH   SOLE   0 0 5,556
PAYCHEX INC COM 704326107 427 3,800 SH   SOLE   3,800 0 0
NORTHROP GRUMMAN CORP COM 666807102 396 1,100 SH   SOLE   1,100 0 0
STERIS PLC SHS USD G8473T100 388 1,900 SH   SOLE   1,900 0 0
OREILLY AUTOMOTIVE INC COM 67103H107 428 700 SH   SOLE   700 0 0
CERNER CORP COM 156782104 409 5,800 SH   SOLE   5,800 0 0
ISHARES TR CORE US AGGBD ET 464287226 60,320 525,300 SH   SOLE   525,300 0 0
AUTOZONE INC COM 053332102 340 200 SH   SOLE   200 0 0
ISHARES TR TIPS BD ETF 464287176 5,721 44,800 SH   SOLE   44,800 0 0
DOLLAR GEN CORP NEW COM 256677105 403 1,900 SH   SOLE   1,900 0 0
CONSOLIDATED EDISON INC COM 209115104 414 5,700 SH   SOLE   5,700 0 0
CMS ENERGY CORP COM 125896100 418 7,000 SH   SOLE   7,000 0 0
ATMOS ENERGY CORP COM 049560105 415 4,700 SH   SOLE   4,700 0 0
AMERICAN ELEC PWR CO INC COM 025537101 406 5,000 SH   SOLE   5,000 0 0
L3HARRIS TECHNOLOGIES INC COM 502431109 396 1,800 SH   SOLE   1,800 0 0
GALLAGHER ARTHUR J & CO COM 363576109 401 2,700 SH   SOLE   2,700 0 0
MOODYS CORP COM 615369105 426 1,200 SH   SOLE   1,200 0 0
CHURCH & DWIGHT INC COM 171340102 405 4,900 SH   SOLE   4,900 0 0
DOVER CORP COM 260003108 404 2,600 SH   SOLE   2,600 0 0
BECTON DICKINSON & CO COM 075887109 393 1,600 SH   SOLE   1,600 0 0
COOPER COS INC COM NEW 216648402 413 1,000 SH   SOLE   1,000 0 0
YUM BRANDS INC COM 988498101 404 3,300 SH   SOLE   3,300 0 0
AMPHENOL CORP NEW CL A 032095101 395 5,400 SH   SOLE   5,400 0 0
WEC ENERGY GROUP INC COM 92939U106 415 4,700 SH   SOLE   4,700 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 662 4,892 SH   SOLE   0 0 4,892
VANGUARD INDEX FDS SMALL CP ETF 922908751 224 1,022 SH   SOLE   0 0 1,022
VANGUARD INDEX FDS GROWTH ETF 922908736 856 2,950 SH   SOLE   0 0 2,950
GARMIN LTD SHS H2906T109 404 2,600 SH   SOLE   2,600 0 0
REPUBLIC SVCS INC COM 760759100 408 3,400 SH   SOLE   3,400 0 0
NASDAQ INC COM 631103108 405 2,100 SH   SOLE   2,100 0 0
MCCORMICK & CO INC COM NON VTG 579780206 397 4,900 SH   SOLE   4,900 0 0
INTERCONTINENTAL EXCHANGE IN COM 45866F104 402 3,500 SH   SOLE   3,500 0 0
BROWN FORMAN CORP CL B 115637209 409 6,100 SH   SOLE   6,100 0 0
BROADRIDGE FINL SOLUTIONS IN COM 11133T103 417 2,500 SH   SOLE   2,500 0 0
ISHARES TR IBOXX HI YD ETF 464288513 177,290 2,026,400 SH   SOLE   2,026,400 0 0
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 194,656 2,375,595 SH   SOLE   2,371,500 0 4,095
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 60,169 704,147 SH   SOLE   704,100 0 47
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 845 16,743 SH   SOLE   0 0 16,743
SPDR SER TR BLOOMBERG BRCLYS 78468R622 174,976 1,600,000 SH   SOLE   1,600,000 0 0
VISA INC COM CL A 92826C839 401 1,800 SH   SOLE   1,800 0 0
PHILIP MORRIS INTL INC COM 718172109 398 4,200 SH   SOLE   4,200 0 0
INVESCO EXCH TRADED FD TR II FNDMNTL HY CRP 46138E719 487 25,000 SH   SOLE   25,000 0 0
PIMCO ETF TR 0-5 HIGH YIELD 72201R783 3,473 35,000 SH   SOLE   35,000 0 0
SPDR SER TR BLOOMBERG SRT TR 78468R408 13,605 496,700 SH   SOLE   496,700 0 0
VANECK ETF TRUST FALLEN ANGEL HG 92189F437 10,024 303,300 SH   SOLE   303,300 0 0
ABBVIE INC COM 00287Y109 410 3,800 SH   SOLE   3,800 0 0
ZOETIS INC CL A 98978V103 408 2,100 SH   SOLE   2,100 0 0
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 221 3,876 SH   SOLE   0 0 3,876
ISHARES TR 0-5YR HI YL CP 46434V407 6,855 150,000 SH   SOLE   150,000 0 0
IHS MARKIT LTD SHS G47567105 408 3,500 SH   SOLE   3,500 0 0
ISHARES TR FALN ANGLS USD 46435G474 1,355 45,000 SH   SOLE   45,000 0 0
DBX ETF TR XTRACK USD HIGH 233051432 12,749 318,100 SH   SOLE   318,100 0 0
ISHARES TR BROAD USD HIGH 46435U853 12,969 312,500 SH   SOLE   312,500 0 0
GOLDMAN SACHS ETF TR ACCESS HIG YLD 381430453 1,253 25,000 SH   SOLE   25,000 0 0
LINDE PLC SHS G5494J103 411 1,400 SH   SOLE   1,400 0 0
OTIS WORLDWIDE CORP COM 68902V107 403 4,900 SH   SOLE   4,900 0 0
NORTHERN LIGHTS FD TR TOEWS AGILTY SHS 66538J720 517 16,521 SH   SOLE   0 0 16,521