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
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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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ADVANCED MICRO DEVICES INC COM 007903107   260,284 2,285 SH   SOLE   0 0 2,285
AMAZON COM INC COM 023135106   1,028,671 7,891 SH   SOLE   0 0 7,891
APPLE INC COM 037833100   1,268,758 6,541 SH   SOLE   0 0 6,541
AT&T INC COM 00206R102   192,820 12,089 SH   SOLE   0 0 12,089
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   262,229 769 SH   SOLE   0 0 769
CELANESE CORP DEL COM 150870103   304,786 2,632 SH   SOLE   0 0 2,632
CHEVRON CORP NEW COM 166764100   330,278 2,099 SH   SOLE   0 0 2,099
CISCO SYS INC COM 17275R102   282,397 5,458 SH   SOLE   0 0 5,458
COMCAST CORP NEW CL A 20030N101   332,816 8,010 SH   SOLE   0 0 8,010
CONAGRA BRANDS INC COM 205887102   270,434 8,020 SH   SOLE   0 0 8,020
CUMMINS INC COM 231021106   281,444 1,148 SH   SOLE   0 0 1,148
CVS HEALTH CORP COM 126650100   291,867 4,222 SH   SOLE   0 0 4,222
EXXON MOBIL CORP COM 30231G102   207,314 1,933 SH   SOLE   0 0 1,933
FEDEX CORP COM 31428X106   337,144 1,360 SH   SOLE   0 0 1,360
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309   217,097 4,780 SH   SOLE   0 0 4,780
GENERAL DYNAMICS CORP COM 369550108   253,016 1,176 SH   SOLE   0 0 1,176
GENERAL MLS INC COM 370334104   383,653 5,002 SH   SOLE   0 0 5,002
HARTFORD FINL SVCS GROUP INC COM 416515104   272,668 3,786 SH   SOLE   0 0 3,786
HEWLETT PACKARD ENTERPRISE C COM 42824C109   278,410 16,572 SH   SOLE   0 0 16,572
HUNTINGTON INGALLS INDS INC COM 446413106   432,668 1,901 SH   SOLE   0 0 1,901
INTERPUBLIC GROUP COS INC COM 460690100   319,288 8,276 SH   SOLE   0 0 8,276
INVESCO EXCH TRADED FD TR II SR LN ETF 46138G508   2,497,953 118,724 SH   SOLE   0 0 118,724
INVESCO EXCH TRADED FD TR II NATL AMT MUNI 46138E537   652,800 27,661 SH   SOLE   0 0 27,661
INVESCO QQQ TR UNIT SER 1 46090E103   526,821 1,426 SH   SOLE   0 0 1,426
ISHARES INC MSCI EMERG MRKT 464286533   240,725 4,378 SH   SOLE   0 0 4,378
ISHARES INC CORE MSCI EMKT 46434G103   793,717 16,103 SH   SOLE   0 0 16,103
ISHARES TR CORE MSCI EAFE 46432F842   1,441,598 21,357 SH   SOLE   0 0 21,357
ISHARES TR JPMORGAN USD EMG 464288281   844,630 9,760 SH   SOLE   0 0 9,760
ISHARES TR FLTG RATE NT ETF 46429B655   1,986,554 39,090 SH   SOLE   0 0 39,090
ISHARES TR MSCI USA MIN VOL 46429B697   357,230 4,806 SH   SOLE   0 0 4,806
ISHARES TR MSCI EAFE ETF 464287465   833,478 11,496 SH   SOLE   0 0 11,496
ISHARES TR RUS 2000 GRW ETF 464287648   5,132,917 21,153 SH   SOLE   0 0 21,153
ISHARES TR CORE S&P MCP ETF 464287507   1,807,403 6,912 SH   SOLE   0 0 6,912
ISHARES TR S&P MC 400VL ETF 464287705   563,397 5,259 SH   SOLE   0 0 5,259
ISHARES TR S&P MC 400GR ETF 464287606   998,775 13,317 SH   SOLE   0 0 13,317
ISHARES TR CORE S&P SCP ETF 464287804   537,657 5,395 SH   SOLE   0 0 5,395
ISHARES TR SP SMCP600VL ETF 464287879   249,258 2,621 SH   SOLE   0 0 2,621
ISHARES TR S&P 500 VAL ETF 464287408   20,754,076 128,755 SH   SOLE   0 0 128,755
ISHARES TR CORE S&P500 ETF 464287200   3,152,989 7,074 SH   SOLE   0 0 7,074
ISHARES TR S&P 500 GRWT ETF 464287309   3,211,633 45,568 SH   SOLE   0 0 45,568
ISHARES TR RUS 1000 VAL ETF 464287598   1,913,057 12,121 SH   SOLE   0 0 12,121
ISHARES TR RUS 1000 GRW ETF 464287614   1,799,677 6,540 SH   SOLE   0 0 6,540
ISHARES TR RUSSELL 2000 ETF 464287655   484,093 2,585 SH   SOLE   0 0 2,585
ISHARES TR RUS 2000 VAL ETF 464287630   6,948,232 49,348 SH   SOLE   0 0 49,348
ISHARES TR 20 YR TR BD ETF 464287432   664,581 6,456 SH   SOLE   0 0 6,456
ISHARES TR IBOXX INV CP ETF 464287242   697,810 6,453 SH   SOLE   0 0 6,453
ISHARES TR MSCI EMG MKT ETF 464287234   1,621,881 40,998 SH   SOLE   0 0 40,998
ISHARES TR CORE US AGGBD ET 464287226   772,464 7,886 SH   SOLE   0 0 7,886
ISHARES TR SELECT DIVID ETF 464287168   3,179,538 28,063 SH   SOLE   0 0 28,063
ISHARES TR EAFE VALUE ETF 464288877   1,753,129 35,822 SH   SOLE   0 0 35,822
ISHARES TR EAFE GRWTH ETF 464288885   2,836,444 29,729 SH   SOLE   0 0 29,729
ISHARES TR IBOXX HI YD ETF 464288513   5,223,371 69,580 SH   SOLE   0 0 69,580
ISHARES TR MBS ETF 464288588   818,400 8,775 SH   SOLE   0 0 8,775
ISHARES TR PFD AND INCM SEC 464288687   853,915 27,608 SH   SOLE   0 0 27,608
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   7,465,294 148,889 SH   SOLE   0 0 148,889
LEIDOS HOLDINGS INC COM 525327102   236,153 2,669 SH   SOLE   0 0 2,669
LKQ CORP COM 501889208   282,143 4,842 SH   SOLE   0 0 4,842
MICROSOFT CORP COM 594918104   627,956 1,844 SH   SOLE   0 0 1,844
NUCOR CORP COM 670346105   303,363 1,850 SH   SOLE   0 0 1,850
NVIDIA CORPORATION COM 67066G104   706,866 1,671 SH   SOLE   0 0 1,671
NXP SEMICONDUCTORS N V COM N6596X109   306,815 1,499 SH   SOLE   0 0 1,499
PACER FDS TR US CASH COWS 100 69374H881   4,108,251 85,821 SH   SOLE   0 0 85,821
PEPSICO INC COM 713448108   486,573 2,627 SH   SOLE   0 0 2,627
PFIZER INC COM 717081103   369,918 10,085 SH   SOLE   0 0 10,085
PHILLIPS 66 COM 718546104   201,538 2,113 SH   SOLE   0 0 2,113
PRINCIPAL FINANCIAL GROUP IN COM 74251V102   265,819 3,505 SH   SOLE   0 0 3,505
PROSHARES TR S&P 500 DV ARIST 74348A467   964,149 10,226 SH   SOLE   0 0 10,226
RALPH LAUREN CORP CL A 751212101   422,796 3,429 SH   SOLE   0 0 3,429
REGENERON PHARMACEUTICALS COM 75886F107   265,860 370 SH   SOLE   0 0 370
SAP SE SPON ADR 803054204   346,677 2,534 SH   SOLE   0 0 2,534
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886   650,670 9,943 SH   SOLE   0 0 9,943
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100   357,170 4,310 SH   SOLE   0 0 4,310
SELECT SECTOR SPDR TR ENERGY 81369Y506   818,356 10,082 SH   SOLE   0 0 10,082
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   1,795,765 53,271 SH   SOLE   0 0 53,271
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704   1,052,240 9,805 SH   SOLE   0 0 9,805
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   2,691,005 15,478 SH   SOLE   0 0 15,478
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308   975,604 13,154 SH   SOLE   0 0 13,154
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   2,456,301 18,506 SH   SOLE   0 0 18,506
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407   407,884 2,402 SH   SOLE   0 0 2,402
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852   796,254 12,235 SH   SOLE   0 0 12,235
SELECT SECTOR SPDR TR RL EST SEL SEC 81369Y860   356,698 9,464 SH   SOLE   0 0 9,464
SKYWORKS SOLUTIONS INC COM 83088M102   288,126 2,603 SH   SOLE   0 0 2,603
SNAP ON INC COM 833034101   515,572 1,789 SH   SOLE   0 0 1,789
SPDR GOLD TR GOLD SHS 78463V107   1,709,074 9,587 SH   SOLE   0 0 9,587
SPDR S&P 500 ETF TR TR UNIT 78462F103   270,669 611 SH   SOLE   0 0 611
SPDR SER TR PRTFLO S&P500 GW 78464A409   11,139,511 182,585 SH   SOLE   0 0 182,585
SPDR SER TR NUVEEN BLMBRG SH 78468R739   773,957 16,450 SH   SOLE   0 0 16,450
SYNCHRONY FINANCIAL COM 87165B103   263,694 7,774 SH   SOLE   0 0 7,774
TAPESTRY INC COM 876030107   410,366 9,588 SH   SOLE   0 0 9,588
THE CIGNA GROUP COM 125523100   260,958 930 SH   SOLE   0 0 930
UGI CORP NEW COM 902681105   245,993 9,121 SH   SOLE   0 0 9,121
VANECK ETF TRUST HIGH YLD MUNIETF 92189H409   617,723 12,032 SH   SOLE   0 0 12,032
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   2,345,391 31,036 SH   SOLE   0 0 31,036
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   4,770,281 65,625 SH   SOLE   0 0 65,625
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   560,654 11,470 SH   SOLE   0 0 11,470
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   261,378 642 SH   SOLE   0 0 642
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538   2,547,638 12,381 SH   SOLE   0 0 12,381
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   6,055,370 43,759 SH   SOLE   0 0 43,759
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   476,715 11,719 SH   SOLE   0 0 11,719
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   713,124 14,200 SH   SOLE   0 0 14,200
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   992,696 12,561 SH   SOLE   0 0 12,561
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   9,729,262 128,592 SH   SOLE   0 0 128,592
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   1,191,134 25,793 SH   SOLE   0 0 25,793
WEYERHAEUSER CO MTN BE COM NEW 962166104   252,029 7,521 SH   SOLE   0 0 7,521
ZETA GLOBAL HOLDINGS CORP CL A 98956A105   441,817 51,735 SH   SOLE   0 0 51,735