<SEC-DOCUMENT>0001382646-21-000005.txt : 20211101 <SEC-HEADER>0001382646-21-000005.hdr.sgml : 20211101 <ACCEPTANCE-DATETIME>20211101125510 ACCESSION NUMBER: 0001382646-21-000005 CONFORMED SUBMISSION TYPE: 13F-HR PUBLIC DOCUMENT COUNT: 2 CONFORMED PERIOD OF REPORT: 20210930 FILED AS OF DATE: 20211101 DATE AS OF CHANGE: 20211101 EFFECTIVENESS DATE: 20211101 FILER: COMPANY DATA: COMPANY CONFORMED NAME: Ifrah Financial Services, Inc. CENTRAL INDEX KEY: 0001382646 IRS NUMBER: 710823354 STATE OF INCORPORATION: AR FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 13F-HR SEC ACT: 1934 Act SEC FILE NUMBER: 028-12063 FILM NUMBER: 211366241 BUSINESS ADDRESS: STREET 1: 17300 CHENAL PARKWAY STREET 2: SUITE 150 CITY: LITTLE ROCK STATE: AR ZIP: 72223 BUSINESS PHONE: 501-821-7733 MAIL ADDRESS: STREET 1: 17300 CHENAL PARKWAY STREET 2: SUITE 150 CITY: LITTLE ROCK STATE: AR ZIP: 72223 </SEC-HEADER> <DOCUMENT> <TYPE>13F-HR <SEQUENCE>1 <FILENAME>primary_doc.xml <TEXT> <XML> <?xml version="1.0" encoding="UTF-8"?> <edgarSubmission xsi:schemaLocation="http://www.sec.gov/edgar/thirteenffiler eis_13F_Filer.xsd" xmlns="http://www.sec.gov/edgar/thirteenffiler" xmlns:ns1="http://www.sec.gov/edgar/common" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance"> <headerData> <submissionType>13F-HR</submissionType> <filerInfo> <liveTestFlag>LIVE</liveTestFlag> <flags> <confirmingCopyFlag>false</confirmingCopyFlag> 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</votingAuthority> </infoTable> <infoTable> <nameOfIssuer>ENCOMPASS HEALTH CORP</nameOfIssuer> <titleOfClass>COM</titleOfClass> <cusip>29261A100</cusip> <value>407</value> <shrsOrPrnAmt> <sshPrnamt>5428</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>0</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>EPAM SYS INC</nameOfIssuer> <titleOfClass>COM</titleOfClass> <cusip>29414B104</cusip> <value>1144</value> <shrsOrPrnAmt> <sshPrnamt>2006</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>0</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>EXXON MOBIL CORP</nameOfIssuer> <titleOfClass>COM</titleOfClass> <cusip>30231G102</cusip> <value>387</value> <shrsOrPrnAmt> <sshPrnamt>6574</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> 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</votingAuthority> </infoTable> <infoTable> <nameOfIssuer>FTI CONSULTING INC</nameOfIssuer> <titleOfClass>COM</titleOfClass> <cusip>302941109</cusip> <value>611</value> <shrsOrPrnAmt> <sshPrnamt>4533</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>0</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>GALLAGHER ARTHUR J & CO</nameOfIssuer> <titleOfClass>COM</titleOfClass> <cusip>363576109</cusip> <value>307</value> <shrsOrPrnAmt> <sshPrnamt>2068</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>0</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>GENERAL DYNAMICS CORP</nameOfIssuer> <titleOfClass>COM</titleOfClass> <cusip>369550108</cusip> <value>541</value> <shrsOrPrnAmt> <sshPrnamt>2761</sshPrnamt> 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INC</nameOfIssuer> <titleOfClass>COM</titleOfClass> <cusip>431571108</cusip> <value>403</value> <shrsOrPrnAmt> <sshPrnamt>9440</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>0</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>HOME BANCSHARES INC</nameOfIssuer> <titleOfClass>COM</titleOfClass> <cusip>436893200</cusip> <value>244</value> <shrsOrPrnAmt> <sshPrnamt>10365</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>0</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>HOME DEPOT INC</nameOfIssuer> <titleOfClass>COM</titleOfClass> <cusip>437076102</cusip> <value>502</value> <shrsOrPrnAmt> <sshPrnamt>1530</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> 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<cusip>600544100</cusip> <value>243</value> <shrsOrPrnAmt> <sshPrnamt>6448</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>0</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>NEXTERA ENERGY INC</nameOfIssuer> <titleOfClass>COM</titleOfClass> <cusip>65339F101</cusip> <value>314</value> <shrsOrPrnAmt> <sshPrnamt>4000</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>0</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>NORTHWESTERN CORP</nameOfIssuer> <titleOfClass>COM NEW</titleOfClass> <cusip>668074305</cusip> <value>225</value> <shrsOrPrnAmt> <sshPrnamt>3929</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>0</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>NORTONLIFELOCK INC</nameOfIssuer> <titleOfClass>COM</titleOfClass> <cusip>668771108</cusip> <value>367</value> <shrsOrPrnAmt> <sshPrnamt>14500</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>0</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>NVIDIA CORPORATION</nameOfIssuer> <titleOfClass>COM</titleOfClass> <cusip>67066G104</cusip> <value>457</value> <shrsOrPrnAmt> <sshPrnamt>2208</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>0</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>ORACLE CORP</nameOfIssuer> <titleOfClass>COM</titleOfClass> <cusip>68389X105</cusip> <value>1403</value> <shrsOrPrnAmt> <sshPrnamt>16101</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>0</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>OTTER TAIL CORP</nameOfIssuer> <titleOfClass>COM</titleOfClass> <cusip>689648103</cusip> <value>240</value> <shrsOrPrnAmt> <sshPrnamt>4287</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>0</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>PACKAGING CORP AMER</nameOfIssuer> <titleOfClass>COM</titleOfClass> <cusip>695156109</cusip> <value>232</value> <shrsOrPrnAmt> <sshPrnamt>1690</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>0</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>PAYCHEX INC</nameOfIssuer> <titleOfClass>COM</titleOfClass> <cusip>704326107</cusip> <value>726</value> <shrsOrPrnAmt> <sshPrnamt>6453</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>0</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>PAYLOCITY HLDG CORP</nameOfIssuer> <titleOfClass>COM</titleOfClass> <cusip>70438V106</cusip> <value>549</value> <shrsOrPrnAmt> <sshPrnamt>1957</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>0</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>PFIZER INC</nameOfIssuer> <titleOfClass>COM</titleOfClass> <cusip>717081103</cusip> <value>945</value> <shrsOrPrnAmt> <sshPrnamt>21973</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>0</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>PRIMERICA INC</nameOfIssuer> <titleOfClass>COM</titleOfClass> <cusip>74164M108</cusip> <value>241</value> <shrsOrPrnAmt> <sshPrnamt>1568</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>0</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>PRIMORIS SVCS CORP</nameOfIssuer> <titleOfClass>COM</titleOfClass> <cusip>74164F103</cusip> <value>374</value> <shrsOrPrnAmt> <sshPrnamt>15280</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>0</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>PROGRESS SOFTWARE CORP</nameOfIssuer> <titleOfClass>COM</titleOfClass> <cusip>743312100</cusip> <value>405</value> <shrsOrPrnAmt> <sshPrnamt>8228</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>0</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>QUALCOMM INC</nameOfIssuer> <titleOfClass>COM</titleOfClass> <cusip>747525103</cusip> <value>332</value> <shrsOrPrnAmt> <sshPrnamt>2571</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>0</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>RAYTHEON TECHNOLOGIES CORP</nameOfIssuer> <titleOfClass>COM</titleOfClass> <cusip>75513E101</cusip> <value>369</value> <shrsOrPrnAmt> <sshPrnamt>4290</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>0</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>REGAL BELOIT CORP</nameOfIssuer> <titleOfClass>COM</titleOfClass> <cusip>758750103</cusip> <value>313</value> <shrsOrPrnAmt> <sshPrnamt>2079</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>0</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>S&P GLOBAL INC</nameOfIssuer> <titleOfClass>COM</titleOfClass> <cusip>78409V104</cusip> <value>323</value> <shrsOrPrnAmt> <sshPrnamt>760</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>0</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer> <titleOfClass>EMRG MKTEQ ETF</titleOfClass> <cusip>808524706</cusip> <value>5931</value> <shrsOrPrnAmt> <sshPrnamt>194576</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>0</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer> <titleOfClass>INTRM TRM TRES</titleOfClass> <cusip>808524854</cusip> <value>3224</value> <shrsOrPrnAmt> <sshPrnamt>56856</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>0</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer> <titleOfClass>INTL EQTY ETF</titleOfClass> <cusip>808524805</cusip> <value>777</value> <shrsOrPrnAmt> <sshPrnamt>20077</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>0</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer> <titleOfClass>INTL SCEQT ETF</titleOfClass> <cusip>808524888</cusip> <value>487</value> <shrsOrPrnAmt> <sshPrnamt>11727</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>0</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer> <titleOfClass>SHT TM US TRES</titleOfClass> <cusip>808524862</cusip> <value>993</value> <shrsOrPrnAmt> <sshPrnamt>19394</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>0</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer> <titleOfClass>US LRG CAP ETF</titleOfClass> <cusip>808524201</cusip> <value>1306</value> <shrsOrPrnAmt> <sshPrnamt>12554</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>0</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer> <titleOfClass>US MID-CAP ETF</titleOfClass> <cusip>808524508</cusip> <value>1285</value> <shrsOrPrnAmt> <sshPrnamt>16764</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>0</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer> <titleOfClass>US SML CAP ETF</titleOfClass> <cusip>808524607</cusip> <value>978</value> <shrsOrPrnAmt> <sshPrnamt>9767</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>0</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer> <titleOfClass>US TIPS ETF</titleOfClass> <cusip>808524870</cusip> <value>6210</value> <shrsOrPrnAmt> <sshPrnamt>99233</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>0</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer> <titleOfClass>US BRD MKT ETF</titleOfClass> <cusip>808524102</cusip> <value>709</value> <shrsOrPrnAmt> <sshPrnamt>6823</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>0</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer> <titleOfClass>US LCAP VA ETF</titleOfClass> <cusip>808524409</cusip> <value>4833</value> <shrsOrPrnAmt> <sshPrnamt>71626</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>0</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer> <titleOfClass>COMMUNICATION</titleOfClass> <cusip>81369Y852</cusip> <value>481</value> <shrsOrPrnAmt> <sshPrnamt>6002</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>0</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer> <titleOfClass>ENERGY</titleOfClass> <cusip>81369Y506</cusip> <value>679</value> <shrsOrPrnAmt> <sshPrnamt>13043</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>0</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer> <titleOfClass>FINANCIAL</titleOfClass> <cusip>81369Y605</cusip> <value>699</value> <shrsOrPrnAmt> <sshPrnamt>18622</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>0</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer> <titleOfClass>SBI INT-INDS</titleOfClass> <cusip>81369Y704</cusip> <value>426</value> <shrsOrPrnAmt> <sshPrnamt>4350</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>0</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer> <titleOfClass>SBI MATERIALS</titleOfClass> <cusip>81369Y100</cusip> <value>214</value> <shrsOrPrnAmt> <sshPrnamt>2711</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>0</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer> <titleOfClass>TECHNOLOGY</titleOfClass> <cusip>81369Y803</cusip> <value>630</value> <shrsOrPrnAmt> <sshPrnamt>4221</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>0</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>SELECTIVE INS GROUP INC</nameOfIssuer> <titleOfClass>COM</titleOfClass> <cusip>816300107</cusip> <value>231</value> <shrsOrPrnAmt> <sshPrnamt>3052</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>0</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>SHYFT GROUP INC</nameOfIssuer> <titleOfClass>COM</titleOfClass> <cusip>825698103</cusip> <value>782</value> <shrsOrPrnAmt> <sshPrnamt>20579</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>0</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>SIMMONS 1ST NATL CORP</nameOfIssuer> <titleOfClass>CL A $1 PAR</titleOfClass> <cusip>828730200</cusip> <value>251</value> <shrsOrPrnAmt> <sshPrnamt>8492</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>0</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>SKYWEST INC</nameOfIssuer> <titleOfClass>COM</titleOfClass> <cusip>830879102</cusip> <value>204</value> <shrsOrPrnAmt> <sshPrnamt>4135</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>0</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>SPDR SER TR</nameOfIssuer> <titleOfClass>S&P METALS MNG</titleOfClass> <cusip>78464A755</cusip> <value>741</value> <shrsOrPrnAmt> <sshPrnamt>17741</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>0</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>STRYKER CORPORATION</nameOfIssuer> <titleOfClass>COM</titleOfClass> <cusip>863667101</cusip> <value>1386</value> <shrsOrPrnAmt> <sshPrnamt>5255</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>0</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>SYNOPSYS INC</nameOfIssuer> <titleOfClass>COM</titleOfClass> <cusip>871607107</cusip> <value>1912</value> <shrsOrPrnAmt> <sshPrnamt>6385</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>0</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>SYSCO CORP</nameOfIssuer> <titleOfClass>COM</titleOfClass> <cusip>871829107</cusip> <value>200</value> <shrsOrPrnAmt> <sshPrnamt>2554</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>0</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>TARGET CORP</nameOfIssuer> <titleOfClass>COM</titleOfClass> <cusip>87612E106</cusip> <value>654</value> <shrsOrPrnAmt> <sshPrnamt>2861</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>0</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>TELEDYNE TECHNOLOGIES INC</nameOfIssuer> <titleOfClass>COM</titleOfClass> <cusip>879360105</cusip> <value>215</value> <shrsOrPrnAmt> <sshPrnamt>500</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>0</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>TERADYNE INC</nameOfIssuer> <titleOfClass>COM</titleOfClass> <cusip>880770102</cusip> <value>627</value> <shrsOrPrnAmt> <sshPrnamt>5746</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>0</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>TEXAS INSTRS INC</nameOfIssuer> <titleOfClass>COM</titleOfClass> <cusip>882508104</cusip> <value>1450</value> <shrsOrPrnAmt> <sshPrnamt>7542</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>0</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>TIMKEN CO</nameOfIssuer> <titleOfClass>COM</titleOfClass> <cusip>887389104</cusip> <value>374</value> <shrsOrPrnAmt> <sshPrnamt>5716</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>0</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>TJX COS INC NEW</nameOfIssuer> <titleOfClass>COM</titleOfClass> <cusip>872540109</cusip> <value>216</value> <shrsOrPrnAmt> <sshPrnamt>3268</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>0</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>TRACTOR SUPPLY CO</nameOfIssuer> <titleOfClass>COM</titleOfClass> <cusip>892356106</cusip> <value>676</value> <shrsOrPrnAmt> <sshPrnamt>3338</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>0</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>UNITEDHEALTH GROUP INC</nameOfIssuer> <titleOfClass>COM</titleOfClass> <cusip>91324P102</cusip> <value>1587</value> <shrsOrPrnAmt> <sshPrnamt>4061</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>0</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>USANA HEALTH SCIENCES INC</nameOfIssuer> <titleOfClass>COM</titleOfClass> <cusip>90328M107</cusip> <value>332</value> <shrsOrPrnAmt> <sshPrnamt>3603</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>0</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>VANGUARD CHARLOTTE FDS</nameOfIssuer> <titleOfClass>TOTAL INT BD ETF</titleOfClass> <cusip>92203J407</cusip> <value>3798</value> <shrsOrPrnAmt> <sshPrnamt>66674</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>0</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer> <titleOfClass>TOTAL STK MKT</titleOfClass> <cusip>922908769</cusip> <value>1166</value> <shrsOrPrnAmt> <sshPrnamt>5253</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>0</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer> <titleOfClass>LARGE CAP ETF</titleOfClass> <cusip>922908637</cusip> <value>5094</value> <shrsOrPrnAmt> <sshPrnamt>25352</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>0</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer> <titleOfClass>MCAP GR IDXVIP</titleOfClass> <cusip>922908538</cusip> <value>5226</value> <shrsOrPrnAmt> <sshPrnamt>22116</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>0</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer> <titleOfClass>MCAP VL IDXVIP</titleOfClass> <cusip>922908512</cusip> <value>3694</value> <shrsOrPrnAmt> <sshPrnamt>26457</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>0</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer> <titleOfClass>REAL ESTATE ETF</titleOfClass> <cusip>922908553</cusip> <value>2093</value> <shrsOrPrnAmt> <sshPrnamt>20560</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>0</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer> <titleOfClass>SML CP GRW ETF</titleOfClass> <cusip>922908595</cusip> <value>9014</value> <shrsOrPrnAmt> <sshPrnamt>32174</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>0</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer> <titleOfClass>SM CP VAL ETF</titleOfClass> <cusip>922908611</cusip> <value>8154</value> <shrsOrPrnAmt> <sshPrnamt>48177</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>0</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer> <titleOfClass>ALLWRLD EX US</titleOfClass> <cusip>922042775</cusip> <value>11333</value> <shrsOrPrnAmt> <sshPrnamt>185915</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>0</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer> <titleOfClass>FTSE EMR MKT ETF</titleOfClass> <cusip>922042858</cusip> <value>2129</value> <shrsOrPrnAmt> <sshPrnamt>42581</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>0</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer> <titleOfClass>FTSE EUROPE ETF</titleOfClass> <cusip>922042874</cusip> <value>532</value> <shrsOrPrnAmt> <sshPrnamt>8106</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>0</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer> <titleOfClass>FTSE PACIFIC ETF</titleOfClass> <cusip>922042866</cusip> <value>275</value> <shrsOrPrnAmt> <sshPrnamt>3396</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>0</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>VANGUARD MALVERN FDS</nameOfIssuer> <titleOfClass>STRM INFPROIDX</titleOfClass> <cusip>922020805</cusip> <value>2069</value> <shrsOrPrnAmt> <sshPrnamt>39350</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>0</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>VANGUARD WORLD FD</nameOfIssuer> <titleOfClass>MEGA GRWTH IND</titleOfClass> <cusip>921910816</cusip> <value>4771</value> <shrsOrPrnAmt> <sshPrnamt>20317</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>0</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>VANGUARD WORLD FD</nameOfIssuer> <titleOfClass>MEGA CAP VAL ETF</titleOfClass> <cusip>921910840</cusip> <value>2481</value> <shrsOrPrnAmt> <sshPrnamt>25358</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>0</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>VANGUARD WORLD FDS</nameOfIssuer> <titleOfClass>INF TECH ETF</titleOfClass> <cusip>92204A702</cusip> <value>201</value> <shrsOrPrnAmt> <sshPrnamt>500</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>0</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>VIACOMCBS INC</nameOfIssuer> <titleOfClass>CL B</titleOfClass> <cusip>92556H206</cusip> <value>635</value> <shrsOrPrnAmt> <sshPrnamt>16067</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>0</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>VMWARE INC</nameOfIssuer> <titleOfClass>CL A COM</titleOfClass> <cusip>928563402</cusip> <value>640</value> <shrsOrPrnAmt> <sshPrnamt>4301</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>0</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>WALMART INC</nameOfIssuer> <titleOfClass>COM</titleOfClass> <cusip>931142103</cusip> <value>1687</value> <shrsOrPrnAmt> <sshPrnamt>12105</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>0</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>WASTE MGMT INC DEL</nameOfIssuer> <titleOfClass>COM</titleOfClass> <cusip>94106L109</cusip> <value>490</value> <shrsOrPrnAmt> <sshPrnamt>3282</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>0</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>WESTERN UN CO</nameOfIssuer> <titleOfClass>COM</titleOfClass> <cusip>959802109</cusip> <value>297</value> <shrsOrPrnAmt> <sshPrnamt>14667</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>0</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>WISDOMTREE TR</nameOfIssuer> <titleOfClass>CHINADIV EX FI</titleOfClass> <cusip>97717X719</cusip> <value>242</value> <shrsOrPrnAmt> <sshPrnamt>4521</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>0</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>WISDOMTREE TR</nameOfIssuer> <titleOfClass>GLB US QTLY DIV</titleOfClass> <cusip>97717W844</cusip> <value>270</value> <shrsOrPrnAmt> <sshPrnamt>6682</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>0</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>WISDOMTREE TR</nameOfIssuer> <titleOfClass>ITL HDG QTLY DIV</titleOfClass> <cusip>97717X594</cusip> <value>589</value> <shrsOrPrnAmt> <sshPrnamt>13639</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>0</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>ZOETIS INC</nameOfIssuer> <titleOfClass>CL A</titleOfClass> <cusip>98978V103</cusip> <value>973</value> <shrsOrPrnAmt> <sshPrnamt>5009</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>0</None> </votingAuthority> </infoTable> </informationTable> </XML> </TEXT> </DOCUMENT> </SEC-DOCUMENT>