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
AMAZON COM INC COM 023135106 626 192 SH   SOLE   0 0 192
BRISTOL-MYERS SQUIBB CO COM 110122108 231 3,168 SH   SOLE   0 0 3,168
CAPITAL ONE FINL CORP COM 14040H105 325 2,477 SH   SOLE   0 0 2,477
CHEVRON CORP NEW COM 166764100 215 1,321 SH   SOLE   0 0 1,321
CHUBB LIMITED COM H1467J104 373 1,746 SH   SOLE   0 0 1,746
DUKE ENERGY CORP NEW COM NEW 26441C204 244 2,188 SH   SOLE   0 0 2,188
LILLY ELI & CO COM 532457108 376 1,314 SH   SOLE   0 0 1,314
SELECT SECTOR SPDR TR FINANCIAL 81369Y605 593 15,485 SH   SOLE   0 0 15,485
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 280 2,045 SH   SOLE   0 0 2,045
INTEL CORP COM 458140100 340 6,869 SH   SOLE   0 0 6,869
ISHARES TR 0-5YR HI YL CP 46434V407 737 16,761 SH   SOLE   0 0 16,761
ISHARES TR 1 3 YR TREAS BD 464287457 8,356 100,257 SH   SOLE   0 0 100,257
ISHARES TR BARCLAYS 7 10 YR 464287440 215 2,000 SH   SOLE   0 0 2,000
ISHARES TR CORE MSCI EAFE 46432F842 1,186 17,065 SH   SOLE   0 0 17,065
ISHARES INC CORE MSCI EMKT 46434G103 569 10,243 SH   SOLE   0 0 10,243
ISHARES TR CORE MSCI INTL 46435G326 220 3,462 SH   SOLE   0 0 3,462
ISHARES TR NATIONAL MUN ETF 464288414 214 1,951 SH   SOLE   0 0 1,951
ISHARES TR US TREAS BD ETF 46429B267 5,830 234,055 SH   SOLE   0 0 234,055
JOHNSON & JOHNSON COM 478160104 356 2,008 SH   SOLE   0 0 2,008
KROGER CO COM 501044101 224 3,899 SH   SOLE   0 0 3,899
MARSH & MCLENNAN COS INC COM 571748102 466 2,736 SH   SOLE   0 0 2,736
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100 398 4,518 SH   SOLE   0 0 4,518
MERCK & CO INC COM 58933Y105 274 3,340 SH   SOLE   0 0 3,340
MICROSOFT CORP COM 594918104 1,651 5,355 SH   SOLE   0 0 5,355
NORTHROP GRUMMAN CORP COM 666807102 402 900 SH   SOLE   0 0 900
PROCTER AND GAMBLE CO COM 742718109 1,696 11,097 SH   SOLE   0 0 11,097
SIMON PPTY GROUP INC NEW COM 828806109 322 2,446 SH   SOLE   0 0 2,446
SOUTHERN CO COM 842587107 206 2,835 SH   SOLE   0 0 2,835
SPDR SER TR BLOOMBERG 1-3 MO 78468R663 406 4,441 SH   SOLE   0 0 4,441
SPDR SER TR BLOOMBERG HIGH Y 78468R622 260 2,532 SH   SOLE   0 0 2,532
SPDR SER TR BLOOMBERG INVT 78468R200 243 7,955 SH   SOLE   0 0 7,955
SPDR SER TR PORTFOLIO S&P500 78464A854 1,177 22,154 SH   SOLE   0 0 22,154
PRICE T ROWE GROUP INC COM 74144T108 314 2,075 SH   SOLE   0 0 2,075
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 471 2,840 SH   SOLE   0 0 2,840
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 370 6,432 SH   SOLE   0 0 6,432
VANGUARD INTL EQUITY INDEX F FTSE PACIFIC ETF 922042866 212 2,857 SH   SOLE   0 0 2,857
VANGUARD INDEX FDS GROWTH ETF 922908736 2,455 8,538 SH   SOLE   0 0 8,538
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 316 3,674 SH   SOLE   0 0 3,674
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 1,806 8,107 SH   SOLE   0 0 8,107
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 1,917 12,810 SH   SOLE   0 0 12,810
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771 6,044 120,643 SH   SOLE   0 0 120,643
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 228 2,106 SH   SOLE   0 0 2,106
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 2,366 5,700 SH   SOLE   0 0 5,700
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 747 9,564 SH   SOLE   0 0 9,564
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 765 14,936 SH   SOLE   0 0 14,936
VANGUARD INDEX FDS SMALL CP ETF 922908751 707 3,328 SH   SOLE   0 0 3,328
VANGUARD INDEX FDS SML CP GRW ETF 922908595 966 3,894 SH   SOLE   0 0 3,894
VANGUARD INDEX FDS SM CP VAL ETF 922908611 2,363 13,430 SH   SOLE   0 0 13,430
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 1,041 13,087 SH   SOLE   0 0 13,087
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 4,485 85,519 SH   SOLE   0 0 85,519
VANGUARD INDEX FDS VALUE ETF 922908744 2,009 13,595 SH   SOLE   0 0 13,595
VERIZON COMMUNICATIONS INC COM 92343V104 557 10,926 SH   SOLE   0 0 10,926
ISHARES TR MSCI USA MMENTM 46432F396 1,037 6,165 SH   SOLE   0 0 6,165
ISHARES TR MSCI USA MIN VOL 46429B697 1,412 18,206 SH   SOLE   0 0 18,206
PPL CORP COM 69351T106 242 8,475 SH   SOLE   0 0 8,475
ISHARES TR IBOXX INV CP ETF 464287242 4,671 38,622 SH   SOLE   0 0 38,622
CADENCE DESIGN SYSTEM INC COM 127387108 361 2,193 SH   SOLE   0 0 2,193
CVS HEALTH CORP COM 126650100 575 5,681 SH   SOLE   0 0 5,681
TARGET CORP COM 87612E106 425 2,002 SH   SOLE   0 0 2,002
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 803 17,417 SH   SOLE   0 0 17,417
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 2,549 53,065 SH   SOLE   0 0 53,065
VANGUARD BD INDEX FDS LONG TERM BOND 921937793 1,648 17,974 SH   SOLE   0 0 17,974
VANGUARD BD INDEX FDS INTERMED TERM 921937819 1,543 18,840 SH   SOLE   0 0 18,840
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 2,913 37,398 SH   SOLE   0 0 37,398
CANADIAN IMP BK COMM COM 136069101 215 1,763 SH   SOLE   0 0 1,763
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 445 11,525 SH   SOLE   0 0 11,525
SPDR SER TR PORTFOLI S&P1500 78464A805 642 11,552 SH   SOLE   0 0 11,552
ISHARES TR ISHS 1-5YR INVS 464288646 1,837 35,520 SH   SOLE   0 0 35,520
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 291 1,843 SH   SOLE   0 0 1,843
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 687 20,052 SH   SOLE   0 0 20,052
SPDR SER TR PORTFOLIO S&P400 78464A847 376 7,972 SH   SOLE   0 0 7,972
SPDR SER TR PORTFOLIO LN COR 78464A367 297 10,686 SH   SOLE   0 0 10,686
SSGA ACTIVE ETF TR SPDR TR TACTIC 78467V848 792 17,689 SH   SOLE   0 0 17,689
INVESCO ACTIVLY MANGD ETC FD OPTIMUM YIELD 46090F100 500 28,331 SH   SOLE   0 0 28,331
SPDR SER TR PORTFOLIO S&P600 78468R853 299 7,109 SH   SOLE   0 0 7,109
ISHARES TR ISHS 5-10YR INVT 464288638 2,158 39,322 SH   SOLE   0 0 39,322
WILLIAMS COS INC COM 969457100 455 13,625 SH   SOLE   0 0 13,625
RAYTHEON TECHNOLOGIES CORP COM 75513E101 580 5,857 SH   SOLE   0 0 5,857
CARRIER GLOBAL CORPORATION COM 14448C104 282 6,145 SH   SOLE   0 0 6,145
OTIS WORLDWIDE CORP COM 68902V107 212 2,754 SH   SOLE   0 0 2,754
SELECT SECTOR SPDR TR ENERGY 81369Y506 211 2,766 SH   SOLE   0 0 2,766
VANGUARD WORLD FD MEGA GRWTH IND 921910816 6,909 29,348 SH   SOLE   0 0 29,348
VANGUARD WORLD FD MEGA CAP VAL ETF 921910840 5,823 54,258 SH   SOLE   0 0 54,258
ISHARES TR USD INV GRDE ETF 464288620 1,570 28,530 SH   SOLE   0 0 28,530
GENERAL MLS INC COM 370334104 360 5,317 SH   SOLE   0 0 5,317
NUCOR CORP COM 670346105 223 1,501 SH   SOLE   0 0 1,501
PFIZER INC COM 717081103 768 14,839 SH   SOLE   0 0 14,839
APPLE INC COM 037833100 7,653 43,829 SH   SOLE   0 0 43,829
AMGEN INC COM 031162100 392 1,620 SH   SOLE   0 0 1,620
ISHARES TR TIPS BD ETF 464287176 1,953 15,679 SH   SOLE   0 0 15,679
OMNICOM GROUP INC COM 681919106 309 3,636 SH   SOLE   0 0 3,636
ALPHABET INC CAP STK CL A 02079K305 802 288 SH   SOLE   0 0 288
SEAGATE TECHNOLOGY HLDNGS PL ORD SHS G7997R103 238 2,649 SH   SOLE   0 0 2,649
BROADCOM INC COM 11135F101 218 346 SH   SOLE   0 0 346
CISCO SYS INC COM 17275R102 405 7,259 SH   SOLE   0 0 7,259
BUILDERS FIRSTSOURCE INC COM 12008R107 224 3,475 SH   SOLE   0 0 3,475
ISHARES TR 3 7 YR TREAS BD 464288661 1,881 15,411 SH   SOLE   0 0 15,411
AFLAC INC COM 001055102 347 5,382 SH   SOLE   0 0 5,382
GILEAD SCIENCES INC COM 375558103 461 7,746 SH   SOLE   0 0 7,746
META PLATFORMS INC CL A 30303M102 660 2,970 SH   SOLE   0 0 2,970
ALLSTATE CORP COM 020002101 258 1,863 SH   SOLE   0 0 1,863
SEMPRA COM 816851109 293 1,742 SH   SOLE   0 0 1,742
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 707 4,450 SH   SOLE   0 0 4,450
DEVON ENERGY CORP NEW COM 25179M103 404 6,838 SH   SOLE   0 0 6,838
METLIFE INC COM 59156R108 505 7,191 SH   SOLE   0 0 7,191
LABORATORY CORP AMER HLDGS COM NEW 50540R409 265 1,004 SH   SOLE   0 0 1,004
NEXTERA ENERGY INC COM 65339F101 2,654 31,327 SH   SOLE   0 0 31,327
ABBVIE INC COM 00287Y109 373 2,299 SH   SOLE   0 0 2,299
FACTSET RESH SYS INC COM 303075105 241 556 SH   SOLE   0 0 556
ARCHER DANIELS MIDLAND CO COM 039483102 247 2,740 SH   SOLE   0 0 2,740
ISHARES TR S&P 500 GRWT ETF 464287309 298 3,905 SH   SOLE   0 0 3,905
ADOBE SYSTEMS INCORPORATED COM 00724F101 251 551 SH   SOLE   0 0 551
CORNING INC COM 219350105 275 7,451 SH   SOLE   0 0 7,451
QUALCOMM INC COM 747525103 287 1,878 SH   SOLE   0 0 1,878
ISHARES INC MSCI EMRG CHN 46434G764 204 3,504 SH   SOLE   0 0 3,504
VICTORY PORTFOLIOS II VICTORYSHS SHORT 92647N535 208 4,165 SH   SOLE   0 0 4,165
FIRST TR EXCHANGE-TRADED FD SENIOR LN FD 33738D309 205 4,349 SH   SOLE   0 0 4,349
INVESCO EXCH TRD SLF IDX FD BULSHS 2024 CB 46138J841 201 9,545 SH   SOLE   0 0 9,545
SPDR GOLD TR GOLD SHS 78463V107 405 2,240 SH   SOLE   0 0 2,240
SSGA ACTIVE ETF TR BLACKSTONE SENR 78467V608 445 9,901 SH   SOLE   0 0 9,901
SPDR SER TR PORTFOLIO LN TSR 78464A664 366 9,674 SH   SOLE   0 0 9,674
SPDR SER TR BLOOMBERG 1 10 Y 78468R861 335 16,206 SH   SOLE   0 0 16,206
ISHARES TR S&P 500 VAL ETF 464287408 324 2,080 SH   SOLE   0 0 2,080
PUBLIC STORAGE COM 74460D109 417 1,068 SH   SOLE   0 0 1,068
UNITED RENTALS INC COM 911363109 237 666 SH   SOLE   0 0 666
CATERPILLAR INC COM 149123101 266 1,192 SH   SOLE   0 0 1,192