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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
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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
AMERICAN EXPRESS CO COM 025816109   55,453 377 SH   SOLE   0 0 377
CONOCOPHILLIPS COM 20825C104   22,684 200 SH   SOLE   0 0 200
CORTEVA INC COM 22052L104   13,156 264 SH   SOLE   0 0 264
DOW INC COM 260557103   27,523 552 SH   SOLE   0 0 552
DUPONT DE NEMOURS INC COM 26614N102   40,655 552 SH   SOLE   0 0 552
INVESCO EXCH TRADED FD TR II SR LN ETF 46138G508   19,729,116 944,881 SH   SOLE   0 0 944,881
ISHARES SILVER TR ISHARES 46428Q109   14,438 750 SH   SOLE   0 0 750
ISHARES TR CORE S&P SCP ETF 464287804   12,465,046 136,111 SH   SOLE   0 0 136,111
ISHARES TR CORE S&P US GWT 464287671   9,303,766 98,255 SH   SOLE   0 0 98,255
ISHARES TR CORE S&P US VLU 464287663   15,221,766 207,381 SH   SOLE   0 0 207,381
ISHARES TR CORE S&P500 ETF 464287200   12,375,526 29,026 SH   SOLE   0 0 29,026
ISHARES TR MSCI INTL VLU FT 46435G409   7,059,321 286,150 SH   SOLE   0 0 286,150
ISHARES TR MSCI USA MIN VOL 46429B697   14,424,981 200,989 SH   SOLE   0 0 200,989
ISHARES TR S&P 500 VAL ETF 464287408   11,039,986 72,876 SH   SOLE   0 0 72,876
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   19,896,305 397,608 SH   SOLE   0 0 397,608
PGIM ETF TR PGIM ULTRA SH BD 69344A107   17,591,177 356,819 SH   SOLE   0 0 356,819
SELECT SECTOR SPDR TR ENERGY 81369Y506   4,017,783 47,146 SH   SOLE   0 0 47,146
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   3,030,726 92,513 SH   SOLE   0 0 92,513
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308   5,740,569 85,629 SH   SOLE   0 0 85,629
SPDR SER TR BLOOMBERG SHT TE 78468R408   6,751,984 279,933 SH   SOLE   0 0 279,933
SPDR SER TR S&P DIVID ETF 78464A763   8,569,567 76,086 SH   SOLE   0 0 76,086
VERIZON COMMUNICATIONS INC COM 92343V104   68,827 2,163 SH   SOLE   0 0 2,163