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 Stock 023135106 13 4 SH   SOLE   4 0 0
PRUDENTIAL FINL INC COM Stock 744320102 1 10 SH   SOLE   10 0 0
INVESCO QQQ TRUST ETF 46090E103 99 249 SH   SOLE   249 0 0
TECHNOLOGY SELECT SECTOR SPDR FUND ETF 81369Y803 61 352 SH   SOLE   352 0 0
BLOCK INC CL A Stock 852234103 2 15 SH   SOLE   15 0 0
SPDR PORTFOLIO AGGREGATE BOND ETF ETF 78464A649 131 4,427 SH   SOLE   4,427 0 0
ISHARES MSCI CANADA ETF ETF 464286509 1 35 SH   SOLE   35 0 0
DOLLAR GEN CORP NEW COM Stock 256677105 15 62 SH   SOLE   62 0 0
JOHNSON & JOHNSON COM Stock 478160104 28 162 SH   SOLE   162 0 0
THOMSON REUTERS CORP. COM NEW Stock 884903709 2 14 SH   SOLE   14 0 0
ALLIANCEBERNSTEIN HLDG L P UNIT LTD PARTN Stock 01881G106 98 2,000 SH   SOLE   2,000 0 0
VANGUARD INTERNATIONAL HIGH DIVIDEND YIELD ETF ETF 921946794 67 1,000 SH   SOLE   1,000 0 0
HCA HEALTHCARE INC COM Stock 40412C101 27 106 SH   SOLE   106 0 0
PROCTER AND GAMBLE CO COM Stock 742718109 2 15 SH   SOLE   15 0 0
COCA COLA CO COM Stock 191216100 27 451 SH   SOLE   451 0 0
OCCIDENTAL PETE CORP COM Stock 674599105 0 8 SH   SOLE   8 0 0
TRUIST FINL CORP COM Stock 89832Q109 10 177 SH   SOLE   177 0 0
UNITED PARCEL SERVICE INC CL B Stock 911312106 21 100 SH   SOLE   100 0 0
INTEL CORP COM Stock 458140100 12 237 SH   SOLE   237 0 0
CME GROUP INC COM Stock 12572Q105 2 8 SH   SOLE   8 0 0
PROLOGIS INC. COM REIT 74340W103 14 83 SH   SOLE   83 0 0
MERCK & CO INC COM Stock 58933Y105 17 221 SH   SOLE   221 0 0
ISHARES SHORT-TERM NATIONAL MUNI BOND ETF ETF 464288158 254 2,366 SH   SOLE   2,366 0 0
SPDR S&P 500 ETF ETF 78462F103 788 1,659 SH   SOLE   1,659 0 0
STEEL DYNAMICS INC COM Stock 858119100 1 23 SH   SOLE   23 0 0
EMERSON ELEC CO COM Stock 291011104 5 50 SH   SOLE   50 0 0
AMERICAN FINL GROUP INC OHIO COM Stock 025932104 1 9 SH   SOLE   9 0 0
VERIZON COMMUNICATIONS INC COM Stock 92343V104 29 549 SH   SOLE   549 0 0
CHUBB LIMITED COM Stock H1467J104 27 140 SH   SOLE   140 0 0
FEDEX CORP COM Stock 31428X106 25 95 SH   SOLE   95 0 0
FIRST TRUST TCW OPPORTUNISTIC FIXED INCOME ETF ETF 33740F805 341 6,414 SH   SOLE   6,414 0 0
SNAP INC CL A Stock 83304A106 5 100 SH   SOLE   100 0 0
GLOBAL X U.S. INFRASTRUCTURE DEVELOPMENT ETF ETF 37954Y673 18 625 SH   SOLE   625 0 0
KIMBERLY-CLARK CORP COM Stock 494368103 1 7 SH   SOLE   7 0 0
FIRSTENERGY CORP COM Stock 337932107 1 16 SH   SOLE   16 0 0
US BANCORP DEL COM NEW Stock 902973304 19 332 SH   SOLE   332 0 0
HOME DEPOT INC COM Stock 437076102 613 1,478 SH   SOLE   1,478 0 0
STARWOOD PPTY TR INC COM REIT 85571B105 36 1,500 SH   SOLE   1,500 0 0
BRIGHTHOUSE FINL INC COM Stock 10922N103 0 1 SH   SOLE   1 0 0
WEDBUSH ETFMG VIDEO GAME TECH ETF ETF 26924G706 23 261 SH   SOLE   261 0 0
DUPONT DE NEMOURS INC COM Stock 26614N102 0 6 SH   SOLE   6 0 0
HEALTH CARE SELECT SECTOR SPDR FUND ETF 81369Y209 42 296 SH   SOLE   296 0 0
SOUTHERN CO COM Stock 842587107 8 113 SH   SOLE   113 0 0
AMERISOURCEBERGEN CORP COM Stock 03073E105 21 161 SH   SOLE   161 0 0
LABORATORY CORP AMER HLDGS COM NEW Stock 50540R409 19 62 SH   SOLE   62 0 0
CONSUMER STAPLES SELECT SECTOR SPDR FUND ETF 81369Y308 14 178 SH   SOLE   178 0 0
JPMORGAN ULTRA-SHORT INCOME ETF ETF 46641Q837 3,766 74,607 SH   SOLE   74,607 0 0
GALLAGHER ARTHUR J & CO COM Stock 363576109 2 11 SH   SOLE   11 0 0
GLOBAL X MSCI CHINA FINANCIALS ETF ETF 37950E606 6 406 SH   SOLE   406 0 0
PIMCO ENHANCED SHORT MATURITY ACTIVE EXCHANGE-TRADED FUND ETF 72201R833 3,806 37,478 SH   SOLE   37,478 0 0
AVID BIOSERVICES INC COM Stock 05368M106 0 1 SH   SOLE   1 0 0
VANGUARD SHORT-TERM CORPORATE BOND INDEX FUND ETF 92206C409 74 913 SH   SOLE   913 0 0
VANGUARD INTERMEDIATE-TERM CORPORATE BOND ETF ETF 92206C870 76 820 SH   SOLE   820 0 0
ALPHABET INC CAP STK CL A Stock 02079K305 32 11 SH   SOLE   11 0 0
PROGRESSIVE CORP COM Stock 743315103 20 194 SH   SOLE   194 0 0
FISERV INC COM Stock 337738108 15 147 SH   SOLE   147 0 0
ISHARES EVOLVED U.S. TECHNOLOGY ETF ETF 46431W648 75 1,227 SH   SOLE   1,227 0 0
ISHARES U.S. INFRASTRUCTURE ETF ETF 46435U713 4,874 127,431 SH   SOLE   127,431 0 0
MICROSOFT CORP COM Stock 594918104 17 51 SH   SOLE   51 0 0
SS&C TECHNOLOGIES HLDGS INC COM Stock 78467J100 24 291 SH   SOLE   291 0 0
DOCUSIGN INC COM Stock 256163106 1 5 SH   SOLE   5 0 0
HEALTHPEAK PROPERTIES INC COM REIT 42250P103 0 11 SH   SOLE   11 0 0
SCHLUMBERGER LTD COM STK Stock 806857108 0 9 SH   SOLE   9 0 0
COMMUNICATION SERVICES SELECT SECTOR SPDRA FUND ETF 81369Y852 16 209 SH   SOLE   209 0 0
BAUSCH HEALTH COS INC COM Stock 071734107 19 700 SH   SOLE   700 0 0
AMERIPRISE FINL INC COM Stock 03076C106 2 7 SH   SOLE   7 0 0
VANGUARD INTERMEDIATE-TERM GOVERNMENT BOND ETF ETF 92206C706 34 513 SH   SOLE   513 0 0
PROSHARES ONLINE RETAIL ETF ETF 74347B169 5 89 SH   SOLE   89 0 0
VANGUARD MID-CAP INDEX FUND ETF 922908629 144 567 SH   SOLE   567 0 0
NIKE INC CL B Stock 654106103 1 4 SH   SOLE   4 0 0
TESLA INC COM Stock 88160R101 13 12 SH   SOLE   12 0 0
VANECK J.P. MORGAN EM LOCAL CURRENCY BOND ETF ETF 92189H300 1 34 SH   SOLE   34 0 0
FINANCIAL SELECT SECTOR SPDR FUND ETF 81369Y605 30 777 SH   SOLE   777 0 0
NORFOLK SOUTHN CORP COM Stock 655844108 2 7 SH   SOLE   7 0 0
VANGUARD FTSE EUROPE ETF ETF 922042874 56,601 829,434 SH   SOLE   829,434 0 0
WALGREENS BOOTS ALLIANCE INC COM Stock 931427108 0 3 SH   SOLE   3 0 0
STANLEY BLACK & DECKER INC COM Stock 854502101 24 128 SH   SOLE   128 0 0
DOW INC COM Stock 260557103 0 6 SH   SOLE   6 0 0
VANGUARD S&P 500 ETF ETF 922908363 82,583 189,164 SH   SOLE   189,164 0 0
VANGUARD COMMUNICATION SERVICES ETF ETF 92204A884 9 69 SH   SOLE   69 0 0
CORTEVA INC COM Stock 22052L104 0 6 SH   SOLE   6 0 0
GENERAL MTRS CO COM Stock 37045V100 1 17 SH   SOLE   17 0 0
IAA INC COM Stock 449253103 1 10 SH   SOLE   10 0 0
GLOBAL X MSCI CHINA CONSUMER STAPLES ETF ETF 37954Y558 11 401 SH   SOLE   401 0 0
VIRTUS SEIX SENIOR LOAN ETF ETF 92790A405 1 37 SH   SOLE   37 0 0
INVESCO ULTRA SHORT DURATION ETF ETF 46090A887 3,771 74,964 SH   SOLE   74,964 0 0
LILLY ELI & CO COM Stock 532457108 1 5 SH   SOLE   5 0 0
OVERLAY SHARES CORE BOND ETF ETF 53656F862 82,867 3,246,548 SH   SOLE   3,246,547 0 0
OVERLAY SHARES LARGE CAP EQUITY ETF ETF 53656F805 113,537 2,794,435 SH   SOLE   2,794,434 0 0
OVERLAY SHARES MUNICIPAL BOND ETF ETF 53656F854 284 11,225 SH   SOLE   11,225 0 0
VANGUARD RUSSELL 1000 VALUE ETF ETF 92206C714 9,348 126,764 SH   SOLE   126,764 0 0
ISHARES RUSSELL MID-CAP VALUE ETF ETF 464287473 24,485 200,077 SH   SOLE   200,077 0 0
FIDELITY NATL INFORMATION SVCS COM Stock 31620M106 1 9 SH   SOLE   9 0 0
GLOBAL X VIDEO GAMES & ESPORTS ETF ETF 37954Y392 2 87 SH   SOLE   87 0 0
SPDR S&P HEALTH CARE EQUIPMENT ETF ETF 78464A581 37 312 SH   SOLE   312 0 0
MICRON TECHNOLOGY INC COM Stock 595112103 23 247 SH   SOLE   247 0 0
AFLAC INC COM Stock 001055102 1 20 SH   SOLE   20 0 0
JPMORGAN EQUITY PREMIUM INCOME ETF ETF 46641Q332 65 1,031 SH   SOLE   1,031 0 0
ISHARES FLOATING RATE BOND ETF ETF 46429B655 116,853 2,303,434 SH   SOLE   2,303,434 0 0
OCCIDENTAL PETE CORP WT EXP 080327 Stock 674599162 0 1 SH   SOLE   1 0 0
ISHARES SELECT DIVIDEND ETF ETF 464287168 157 1,282 SH   SOLE   1,282 0 0
AMERICAN ELEC PWR CO INC COM Stock 025537101 1 9 SH   SOLE   9 0 0
VANGUARD LONG-TERM CORPORATE BOND ETF ETF 92206C813 11 102 SH   SOLE   102 0 0
MARATHON PETE CORP COM Stock 56585A102 1 12 SH   SOLE   12 0 0
VANGUARD FTSE PACIFIC ETF ETF 922042866 5 67 SH   SOLE   67 0 0
VIATRIS INC COM Stock 92556V106 0 4 SH   SOLE   4 0 0
VANGUARD MID-CAP GROWTH INDEX FUND ETF 922908538 12,534 49,226 SH   SOLE   49,226 0 0
ISHARES MSCI EMERGING MARKETS MIN VOL FACTOR ETF ETF 464286533 687 10,942 SH   SOLE   10,942 0 0
GLOBAL X SOCIAL MEDIA INDEX FUND ETF 37950E416 20 363 SH   SOLE   363 0 0
ORGANON & CO COMMON STOCK Stock 68622V106 0 2 SH   SOLE   2 0 0
ISHARES MSCI EAFE MIN VOL FACTOR ETF ETF 46429B689 1,316 17,142 SH   SOLE   17,142 0 0
INVESCO KBW BANK ETF ETF 46138E628 19,934 293,838 SH   SOLE   293,837 0 0
ISHARES MSCI USA MIN VOL FACTOR ETF ETF 46429B697 337 4,167 SH   SOLE   4,167 0 0
SYLVAMO CORP COMMON STOCK Stock 871332102 0 1 SH   SOLE   1 0 0
VANGUARD SMALL-CAP GROWTH INDEX FUND ETF 922908595 143 506 SH   SOLE   506 0 0
ISHARES U.S. TREASURY BOND ETF ETF 46429B267 1 35 SH   SOLE   35 0 0
PHILLIPS 66 COM Stock 718546104 34 470 SH   SOLE   470 0 0
ISHARES CORE S&P TOTAL U.S. STOCK MARKET ETF ETF 464287150 15 139 SH   SOLE   139 0 0
META PLATFORMS INC CL A Stock 30303M102 31 91 SH   SOLE   91 0 0
ISHARES U.S. TRANSPORTATION ETF ETF 464287192 10,031 36,282 SH   SOLE   36,282 0 0
KAR AUCTION SVCS INC COM Stock 48238T109 0 10 SH   SOLE   10 0 0
MONDELEZ INTL INC CL A Stock 609207105 7 109 SH   SOLE   109 0 0
BROADCOM INC COM Stock 11135F101 41 61 SH   SOLE   61 0 0
METLIFE INC COM Stock 59156R108 1 11 SH   SOLE   11 0 0
ISHARES CORE MSCI EAFE ETF ETF 46432F842 2,071 27,751 SH   SOLE   27,751 0 0
ABBVIE INC COM Stock 00287Y109 2 13 SH   SOLE   13 0 0
WISDOMTREE INTERNATIONAL SMALLCAP DIVIDEND FUND ETF 97717W760 101 1,365 SH   SOLE   1,365 0 0
ISHARES CORE MSCI EMERGING MARKETS ETF ETF 46434G103 769 12,844 SH   SOLE   12,844 0 0
VANGUARD TOTAL BOND MARKET INDEX FUND ETF 921937835 111 1,313 SH   SOLE   1,313 0 0
INVESCO LTD SHS Stock G491BT108 0 16 SH   SOLE   16 0 0
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS ADR 874039100 20 164 SH   SOLE   164 0 0
SYNOVUS FINL CORP COM NEW Stock 87161C501 5 100 SH   SOLE   100 0 0
QUALCOMM INC COM Stock 747525103 2 11 SH   SOLE   11 0 0
CISCO SYS INC COM Stock 17275R102 46 722 SH   SOLE   722 0 0
AT&T INC COM Stock 00206R102 8 333 SH   SOLE   333 0 0
PTC THERAPEUTICS INC COM Stock 69366J200 7 175 SH   SOLE   175 0 0
ENERGY SELECT SECTOR SPDR FUND ETF 81369Y506 5,269 94,942 SH   SOLE   94,942 0 0
MATERIALS SELECT SECTOR SPDR FUND ETF 81369Y100 9,738 107,476 SH   SOLE   107,476 0 0
GENERAL ELECTRIC CO COM NEW Stock 369604301 0 5 SH   SOLE   5 0 0
NOKIA CORP SPONSORED ADR ADR 654902204 3 560 SH   SOLE   560 0 0
CONSUMER DISCRETIONARY SELECT SECTOR SPDR FUND ETF 81369Y407 36 178 SH   SOLE   178 0 0
INDUSTRIAL SELECT SECTOR SPDR FUND ETF 81369Y704 14 132 SH   SOLE   132 0 0
ISHARES U.S. FINANCIAL SERVICES ETF ETF 464287770 39 201 SH   SOLE   201 0 0
ISHARES EXPANDED TECH-SOFTWARE SECTOR ETF ETF 464287515 120 303 SH   SOLE   303 0 0
FIDELITY MSCI CONSUMER STAPLES INDEX ETF ETF 316092303 71 1,528 SH   SOLE   1,528 0 0
WISDOMTREE INTERNATIONAL LARGECAP DIVIDEND FUND ETF 97717W794 52 1,046 SH   SOLE   1,046 0 0
ISHARES CORE S&P 500 ETF ETF 464287200 3,765 7,893 SH   SOLE   7,893 0 0
WELLS FARGO CO NEW COM Stock 949746101 1 25 SH   SOLE   25 0 0
ISHARES MBS ETF ETF 464288588 39 361 SH   SOLE   361 0 0
ISHARES 10-20 YEAR TREASURY BOND ETF ETF 464288653 9 62 SH   SOLE   62 0 0
PROSPECT CAP CORP COM CEF 74348T102 43 5,100 SH   SOLE   5,100 0 0
LOCKHEED MARTIN CORP COM Stock 539830109 2 5 SH   SOLE   5 0 0
JPMORGAN CHASE & CO COM Stock 46625H100 49 309 SH   SOLE   309 0 0
INTERNATIONAL PAPER CO COM Stock 460146103 1 18 SH   SOLE   18 0 0
CHEVRON CORP NEW COM Stock 166764100 26 225 SH   SOLE   225 0 0
ISHARES NATIONAL MUNI BOND ETF ETF 464288414 193 1,662 SH   SOLE   1,662 0 0
CONOCOPHILLIPS COM Stock 20825C104 49 679 SH   SOLE   679 0 0
INVESCO DYNAMIC MEDIA ETF ETF 46137V696 25 501 SH   SOLE   501 0 0
BK OF AMERICA CORP COM Stock 060505104 16 362 SH   SOLE   362 0 0
SPDR PORTFOLIO S&P 1500 COMPOSITE STOCK MARKET ETF ETF 78464A805 3,163 54,114 SH   SOLE   54,114 0 0
WALMART INC COM Stock 931142103 3 20 SH   SOLE   20 0 0
ISHARES INTERNATIONAL SELECT DIVIDEND ETF ETF 464288448 83 2,646 SH   SOLE   2,646 0 0
INTERNATIONAL BUSINESS MACHS COM Stock 459200101 0 2 SH   SOLE   2 0 0
PFIZER INC COM Stock 717081103 2 39 SH   SOLE   39 0 0
VANECK AGRIBUSINESS ETF ETF 92189F700 9,922 103,982 SH   SOLE   103,981 0 0
HP INC COM Stock 40434L105 2 49 SH   SOLE   49 0 0
AMERICAN EXPRESS CO COM Stock 025816109 19 114 SH   SOLE   114 0 0
APPLIED MATLS INC COM Stock 038222105 34 215 SH   SOLE   215 0 0
TYSON FOODS INC CL A Stock 902494103 28 323 SH   SOLE   323 0 0
INVESCO DYNAMIC PHARMACEUTICALS ETF ETF 46137V662 44 537 SH   SOLE   537 0 0
INVESCO S&P 500 PURE VALUE ETF ETF 46137V258 3,467 42,898 SH   SOLE   42,898 0 0
VAN ECK MERK GOLD TRUST ETF 921078101 7 386 SH   SOLE   386 0 0
ISHARES CORE U.S. AGGREGATE BOND ETF ETF 464287226 2,454 21,514 SH   SOLE   21,514 0 0
ISHARES 20 YEAR TREASURY BOND ETF ETF 464287432 17 113 SH   SOLE   113 0 0
ISHARES CORE DIVIDEND GROWTH ETF ETF 46434V621 12 221 SH   SOLE   221 0 0
EATON CORP PLC SHS Stock G29183103 2 13 SH   SOLE   13 0 0
BLACKROCK ULTRA SHORT-TERM BOND ETF ETF 46434V878 3,755 74,512 SH   SOLE   74,512 0 0
CRANE CO COM Stock 224399105 0 4 SH   SOLE   4 0 0
ARK GENOMIC REVOLUTION ETF ETF 00214Q302 36 593 SH   SOLE   593 0 0
PHILIP MORRIS INTL INC COM Stock 718172109 1 11 SH   SOLE   11 0 0
PNC FINL SVCS GROUP INC COM Stock 693475105 1 5 SH   SOLE   5 0 0
BRISTOL-MYERS SQUIBB CO COM Stock 110122108 19 299 SH   SOLE   299 0 0
ALTRIA GROUP INC COM Stock 02209S103 1 12 SH   SOLE   12 0 0
CITIGROUP INC COM NEW Stock 172967424 19 319 SH   SOLE   319 0 0
ISHARES J.P. MORGAN USD EMERGING MARKETS BOND ETF ETF 464288281 1 9 SH   SOLE   9 0 0
FLEXSHARES DISCIPLINED DURATION MBS INDEX FUND ETF 33939L779 51 2,205 SH   SOLE   2,205 0 0
EXXON MOBIL CORP COM Stock 30231G102 17 282 SH   SOLE   282 0 0
UNITEDHEALTH GROUP INC COM Stock 91324P102 17 33 SH   SOLE   33 0 0
LINCOLN NATL CORP IND COM Stock 534187109 19 278 SH   SOLE   278 0 0
SHOPIFY INC CL A Stock 82509L107 3 2 SH   SOLE   2 0 0
PAYPAL HLDGS INC COM Stock 70450Y103 6 31 SH   SOLE   31 0 0
AUTOZONE INC COM Stock 053332102 31 15 SH   SOLE   15 0 0
BLACKROCK INC COM Stock 09247X101 2 2 SH   SOLE   2 0 0
CBRE GROUP INC CL A Stock 12504L109 25 229 SH   SOLE   229 0 0
APPLE INC COM Stock 037833100 15 86 SH   SOLE   86 0 0
GOLDMAN SACHS ACTIVEBETA U.S. LARGE CAP EQUITY ETF ETF 381430503 115 1,208 SH   SOLE   1,208 0 0
SPDR BLOOMBERG 1-3 MONTH T-BILL ETF ETF 78468R663 96 1,052 SH   SOLE   1,052 0 0
MARSH & MCLENNAN COS INC COM Stock 571748102 2 12 SH   SOLE   12 0 0