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
ABBVIE INC COM 00287Y109 1,830 13,519 SH   SOLE   13,519 0 0
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 3,314 7,994 SH   SOLE   7,994 0 0
AMAZON COM INC COM 023135106 300 90 SH   SOLE   90 0 0
APPLE INC COM 037833100 6,461 36,387 SH   SOLE   36,387 0 0
BHP GROUP LTD SPONSORED ADS 088606108 1,245 20,622 SH   SOLE   20,622 0 0
BLACKROCK INC COM 09247X101 760 830 SH   SOLE   830 0 0
BLACKSTONE INC COM 09260D107 843 6,514 SH   SOLE   6,514 0 0
BOOZ ALLEN HAMILTON HLDG COR CL A 099502106 934 11,010 SH   SOLE   11,010 0 0
BROADCOM INC COM 11135F101 860 1,292 SH   SOLE   1,292 0 0
CERNER CORP COM 156782104 1,112 11,974 SH   SOLE   11,974 0 0
CHEVRON CORP NEW COM 166764100 415 3,533 SH   SOLE   3,533 0 0
DOW INC COM 260557103 527 9,298 SH   SOLE   9,298 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204 616 5,874 SH   SOLE   5,874 0 0
GOLDMAN SACHS BDC INC SHS 38147U107 327 17,050 SH   SOLE   17,050 0 0
INTEL CORP COM 458140100 1,247 24,210 SH   SOLE   24,210 0 0
INVESCO EXCHANGE TRADED FD T DWA MOMENTUM 46137V837 1,695 17,936 SH   SOLE   17,936 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 567 3,486 SH   SOLE   3,486 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 7,149 17,969 SH   SOLE   17,969 0 0
ISHARES INC MSCI GBL MIN VOL 464286525 5,051 46,651 SH   SOLE   46,651 0 0
ISHARES TR US INDUSTRIALS 464287754 2,231 19,789 SH   SOLE   19,789 0 0
ISHARES TR MSCI USA MMENTM 46432F396 9,494 52,218 SH   SOLE   52,218 0 0
ISHARES TR NATIONAL MUN ETF 464288414 2,051 17,638 SH   SOLE   17,638 0 0
ISHARES TR MSCI EAFE MIN VL 46429B689 1,712 22,295 SH   SOLE   22,295 0 0
J P MORGAN EXCHANGE-TRADED F ULTRA SHRT INC 46641Q837 5,333 105,646 SH   SOLE   105,646 0 0
J P MORGAN EXCHANGE-TRADED F ULTRA SHT MUNCPL 46641Q654 1,866 36,551 SH   SOLE   36,551 0 0
JOHNSON & JOHNSON COM 478160104 1,779 10,402 SH   SOLE   10,402 0 0
JPMORGAN CHASE & CO COM 46625H100 900 5,686 SH   SOLE   5,686 0 0
KEYSIGHT TECHNOLOGIES INC COM 49338L103 207 1,000 SH   SOLE   1,000 0 0
KINDER MORGAN INC DEL COM 49456B101 358 22,546 SH   SOLE   22,546 0 0
KROGER CO COM 501044101 2,900 64,077 SH   SOLE   64,077 0 0
LOWES COS INC COM 548661107 741 2,869 SH   SOLE   2,869 0 0
MERCK & CO INC COM 58933Y105 417 5,438 SH   SOLE   5,438 0 0
MICROSOFT CORP COM 594918104 1,032 3,069 SH   SOLE   3,069 0 0
PACKAGING CORP AMER COM 695156109 1,268 9,316 SH   SOLE   9,316 0 0
PEPSICO INC COM 713448108 1,455 8,378 SH   SOLE   8,378 0 0
QUALCOMM INC COM 747525103 2,145 11,731 SH   SOLE   11,731 0 0
RIO TINTO PLC SPONSORED ADR 767204100 1,112 16,611 SH   SOLE   16,611 0 0
SALESFORCE COM INC COM 79466L302 1,299 5,113 SH   SOLE   5,113 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 9,224 237,291 SH   SOLE   237,291 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 8,395 104,378 SH   SOLE   104,378 0 0
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763 6,400 115,087 SH   SOLE   115,087 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 10,544 93,298 SH   SOLE   93,298 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 1,963 17,245 SH   SOLE   17,245 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 6,002 74,258 SH   SOLE   74,258 0 0
SCHWAB STRATEGIC TR US REIT ETF 808524847 1,554 29,492 SH   SOLE   29,492 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 7,037 237,581 SH   SOLE   237,581 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870 7,101 112,919 SH   SOLE   112,919 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 2,187 21,353 SH   SOLE   21,353 0 0
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 2,892 14,147 SH   SOLE   14,147 0 0
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308 1,562 20,260 SH   SOLE   20,260 0 0
SMUCKER J M CO COM NEW 832696405 268 1,976 SH   SOLE   1,976 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 274 577 SH   SOLE   577 0 0
SPDR SER TR S&P DIVID ETF 78464A763 1,144 8,857 SH   SOLE   8,857 0 0
STARBUCKS CORP COM 855244109 1,589 13,581 SH   SOLE   13,581 0 0
VANECK ETF TRUST GOLD MINERS ETF 92189F106 5,838 182,269 SH   SOLE   182,269 0 0
VANECK ETF TRUST BDC INCOME ETF 92189F411 419 24,320 SH   SOLE   24,320 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 226 518 SH   SOLE   518 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 3,599 14,908 SH   SOLE   14,908 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 457 1,424 SH   SOLE   1,424 0 0
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676 1,036 19,198 SH   SOLE   19,198 0 0
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 3,862 28,826 SH   SOLE   28,826 0 0
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 4,168 81,089 SH   SOLE   81,089 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 4,867 59,897 SH   SOLE   59,897 0 0
VANGUARD WHITEHALL FDS EMERG MKT BD ETF 921946885 2,490 32,057 SH   SOLE   32,057 0 0
VANGUARD WORLD FDS FINANCIALS ETF 92204A405 792 8,198 SH   SOLE   8,198 0 0
VISA INC COM CL A 92826C839 898 4,146 SH   SOLE   4,146 0 0