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
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 78,193 967,388 SH   SOLE NONE 0 0 967,388
ISHARES TR 0-5 YR TIPS ETF 46429B747 14,152 133,664 SH   SOLE NONE 0 0 133,664
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 13,575 167,060 SH   SOLE NONE 0 0 167,060
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 1,454 23,915 SH   SOLE NONE 0 0 23,915
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100 624 6,888 SH   SOLE NONE 0 0 6,888
SELECT SECTOR SPDR TR ENERGY 81369Y506 616 11,115 SH   SOLE NONE 0 0 11,115
SELECT SECTOR SPDR TR FINANCIAL 81369Y605 1,673 42,866 SH   SOLE NONE 0 0 42,866
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704 19,645 185,669 SH   SOLE NONE 0 0 185,669
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 7,873 45,284 SH   SOLE NONE 0 0 45,284
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308 13,497 175,048 SH   SOLE NONE 0 0 175,048
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886 7,263 101,470 SH   SOLE NONE 0 0 101,470
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 14,422 102,366 SH   SOLE NONE 0 0 102,366
GOLDMAN SACHS ETF TR ACTIVEBETA EME 381430206 4,438 119,925 SH   SOLE NONE 0 0 119,925
ISHARES TR CORE S&P SCP ETF 464287804 14,426 125,985 SH   SOLE NONE 0 0 125,985
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 7,277 14,057 SH   SOLE NONE 0 0 14,057
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 52,765 324,209 SH   SOLE NONE 0 0 324,209
ISHARES TR TIPS BD ETF 464287176 23,398 181,100 SH   SOLE NONE 0 0 181,100
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 19,317 378,329 SH   SOLE NONE 0 0 378,329
VANGUARD INDEX FDS TOTAL STK MKT 922908769 75,823 314,049 SH   SOLE NONE 0 0 314,049
SPDR GOLD TR GOLD SHS 78463V107 1,269 7,423 SH   SOLE NONE 0 0 7,423
ISHARES TR RUSSELL 2000 ETF 464287655 8,682 39,030 SH   SOLE NONE 0 0 39,030
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 15,965 322,802 SH   SOLE NONE 0 0 322,802
INVESCO DB COMMDY INDX TRCK UNIT 46138B103 10,571 508,714 SH   SOLE NONE 0 0 508,714
PROSHARES TR INVT INT RT HG 74347B607 9,900 133,124 SH   SOLE NONE 0 0 133,124
KRANESHARES TR QUADRTC INT RT 500767736 9,684 360,735 SH   SOLE NONE 0 0 360,735
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 681 6,710 SH   SOLE NONE 0 0 6,710
PROSHARES TR S&P 500 DV ARIST 74348A467 15,494 157,818 SH   SOLE NONE 0 0 157,818
INVESCO QQQ TR UNIT SER 1 46090E103 41,566 104,477 SH   SOLE NONE 0 0 104,477
SELECT SECTOR SPDR TR RL EST SEL SEC 81369Y860 4,573 88,267 SH   SOLE NONE 0 0 88,267
ISHARES TR MSCI USA MMENTM 46432F396 563 3,100 SH   SOLE NONE 0 0 3,100
INVESCO EXCHANGE TRADED FD T DWA MOMENTUM 46137V837 17,985 190,285 SH   SOLE NONE 0 0 190,285
ISHARES TR SHORT TREAS BD 464288679 619 5,610 SH   SOLE NONE 0 0 5,610
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354 541 7,900 SH   SOLE NONE 0 0 7,900
SPDR S&P 500 ETF TR TR UNIT 78462F103 10,354 21,800 SH   SOLE NONE 0 0 21,800
VANGUARD INDEX FDS SM CP VAL ETF 922908611 357 2,000 SH   SOLE NONE 0 0 2,000
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 16,763 273,555 SH   SOLE NONE 0 0 273,555
ISHARES TR U.S. REAL ES ETF 464287739 6,338 54,575 SH   SOLE NONE 0 0 54,575
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 12,377 72,065 SH   SOLE NONE 0 0 72,065
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 18,902 344,254 SH   SOLE NONE 0 0 344,254
VANGUARD INDEX FDS VALUE ETF 922908744 5,499 37,385 SH   SOLE NONE 0 0 37,385
ISHARES TR MBS ETF 464288588 9,554 88,935 SH   SOLE NONE 0 0 88,935
SSGA ACTIVE ETF TR SPDR TR TACTIC 78467V848 9,464 199,920 SH   SOLE NONE 0 0 199,920
SPDR SER TR NUVEEN BLMBRG SH 78468R739 19,255 391,538 SH   SOLE NONE 0 0 391,538
AMARIN CORP PLC SPONS ADR NEW 023111206 471 140,000 SH   SOLE NONE 0 0 140,000
NABRIVA THERAPEUTICS PLC SHS G63637113 0 440 SH   SOLE NONE 0 0 440
ORGANIGRAM HLDGS INC COM 68620P101 17 10,000 SH   SOLE NONE 0 0 10,000
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 16,349 192,920 SH   SOLE NONE 0 0 192,920
ISHARES TR RUS MD CP GR ETF 464287481 1,879 16,315 SH   SOLE NONE 0 0 16,315
ISHARES TR 20 YR TR BD ETF 464287432 10,846 73,190 SH   SOLE NONE 0 0 73,190
VANGUARD INDEX FDS GROWTH ETF 922908736 14,835 46,230 SH   SOLE NONE 0 0 46,230
ISHARES TR RUS 1000 VAL ETF 464287598 4,817 28,685 SH   SOLE NONE 0 0 28,685
ARES CAPITAL CORP COM 04010L103 211 10,000 SH   SOLE NONE 0 0 10,000
COUPANG INC CL A 22266T109 8 300 SH   SOLE NONE 0 0 300
MICRON TECHNOLOGY INC COM 595112103 1,512 16,239 SH   SOLE NONE 0 0 16,239
AT&T INC COM 00206R102 73 3,000 SH   SOLE NONE 0 0 3,000
ZOSANO PHARMA CORP COM NEW 98979H202 2 5,000 SH   SOLE NONE 0 0 5,000
AMERISOURCEBERGEN CORP COM 03073E105 1,318 9,920 SH   SOLE NONE 0 0 9,920
ALLY FINL INC COM 02005N100 1,131 23,756 SH   SOLE NONE 0 0 23,756
APPLIED MATLS INC COM 038222105 1,345 8,551 SH   SOLE NONE 0 0 8,551
AMERIPRISE FINL INC COM 03076C106 1,642 5,445 SH   SOLE NONE 0 0 5,445
BATH &BODY WORKS INC COM 070830104 1,208 17,313 SH   SOLE NONE 0 0 17,313
BIO RAD LABS INC CL A 090572207 1,397 1,850 SH   SOLE NONE 0 0 1,850
BROADRIDGE FINL SOLUTIONS IN COM 11133T103 1,168 6,392 SH   SOLE NONE 0 0 6,392
CARDINAL HEALTH INC COM 14149Y108 1,020 19,818 SH   SOLE NONE 0 0 19,818
CELANESE CORP DEL COM 150870103 1,172 6,975 SH   SOLE NONE 0 0 6,975
CUMMINS INC COM 231021106 1,043 4,785 SH   SOLE NONE 0 0 4,785
DELL TECHNOLOGIES INC CL C 24703L202 1,481 26,376 SH   SOLE NONE 0 0 26,376
DISCOVER FINL SVCS COM 254709108 1,265 10,948 SH   SOLE NONE 0 0 10,948
D R HORTON INC COM 23331A109 1,325 12,221 SH   SOLE NONE 0 0 12,221
DOLLAR TREE INC COM 256746108 1,681 11,967 SH   SOLE NONE 0 0 11,967
DAVITA INC COM 23918K108 1,113 9,790 SH   SOLE NONE 0 0 9,790
DEVON ENERGY CORP NEW COM 25179M103 2,143 48,660 SH   SOLE NONE 0 0 48,660
ELECTRONIC ARTS INC COM 285512109 1,109 8,412 SH   SOLE NONE 0 0 8,412
EBAY INC. COM 278642103 1,170 17,604 SH   SOLE NONE 0 0 17,604
EAST WEST BANCORP INC COM 27579R104 1,758 22,351 SH   SOLE NONE 0 0 22,351
FREEPORT-MCMORAN INC CL B 35671D857 1,401 33,588 SH   SOLE NONE 0 0 33,588
FIRST HORIZON CORPORATION COM 320517105 1,652 101,217 SH   SOLE NONE 0 0 101,217
GENERAL ELECTRIC CO COM NEW 369604301 989 10,469 SH   SOLE NONE 0 0 10,469
GENERAL MLS INC COM 370334104 1,540 22,860 SH   SOLE NONE 0 0 22,860
IAC INTERACTIVECORP NEW COM NEW 44891N208 1,643 12,572 SH   SOLE NONE 0 0 12,572
INVESCO LTD SHS G491BT108 1,023 44,472 SH   SOLE NONE 0 0 44,472
KLA CORP COM NEW 482480100 1,017 2,366 SH   SOLE NONE 0 0 2,366
KROGER CO COM 501044101 1,516 33,504 SH   SOLE NONE 0 0 33,504
LOWES COS INC COM 548661107 1,565 6,055 SH   SOLE NONE 0 0 6,055
LAM RESEARCH CORP COM 512807108 1,446 2,011 SH   SOLE NONE 0 0 2,011
MASCO CORP COM 574599106 1,624 23,134 SH   SOLE NONE 0 0 23,134
MATTEL INC COM 577081102 1,174 54,484 SH   SOLE NONE 0 0 54,484
MCKESSON CORP COM 58155Q103 1,352 5,440 SH   SOLE NONE 0 0 5,440
MOLINA HEALTHCARE INC COM 60855R100 1,438 4,521 SH   SOLE NONE 0 0 4,521
MARATHON OIL CORP COM 565849106 1,604 97,724 SH   SOLE NONE 0 0 97,724
NETAPP INC COM 64110D104 66 723 SH   SOLE NONE 0 0 723
NVR INC COM 62944T105 1,288 218 SH   SOLE NONE 0 0 218
ON SEMICONDUCTOR CORP COM 682189105 1,884 27,742 SH   SOLE NONE 0 0 27,742
ORACLE CORP COM 68389X105 1,456 16,704 SH   SOLE NONE 0 0 16,704
OCCIDENTAL PETE CORP COM 674599105 1,811 62,504 SH   SOLE NONE 0 0 62,504
PARKER-HANNIFIN CORP COM 701094104 1,155 3,631 SH   SOLE NONE 0 0 3,631
RPM INTL INC COM 749685103 1,191 11,800 SH   SOLE NONE 0 0 11,800
SMUCKER J M CO COM NEW 832696405 1,159 8,540 SH   SOLE NONE 0 0 8,540
SYNCHRONY FINANCIAL COM 87165B103 1,381 29,786 SH   SOLE NONE 0 0 29,786
TARGA RES CORP COM 87612G101 1,687 32,300 SH   SOLE NONE 0 0 32,300
UNDER ARMOUR INC CL A 904311107 1,061 50,087 SH   SOLE NONE 0 0 50,087
UNITED RENTALS INC COM 911363109 1,141 3,435 SH   SOLE NONE 0 0 3,435
VICTORIAS SECRET AND CO COMMON STOCK 926400102 330 5,951 SH   SOLE NONE 0 0 5,951
VERIZON COMMUNICATIONS INC COM 92343V104 1,343 25,854 SH   SOLE NONE 0 0 25,854
WESTERN ALLIANCE BANCORP COM 957638109 1,821 16,925 SH   SOLE NONE 0 0 16,925
WHIRLPOOL CORP COM 963320106 1,162 4,955 SH   SOLE NONE 0 0 4,955
WALMART INC COM 931142103 953 6,592 SH   SOLE NONE 0 0 6,592
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 394 3,400 SH   SOLE NONE 0 0 3,400
VANGUARD WORLD FDS MATERIALS ETF 92204A801 7,217 36,660 SH   SOLE NONE 0 0 36,660
VANGUARD WORLD FDS ENERGY ETF 92204A306 8,013 103,255 SH   SOLE NONE 0 0 103,255
VANGUARD WORLD FDS FINANCIALS ETF 92204A405 18,605 192,665 SH   SOLE NONE 0 0 192,665
ISHARES TR S&P 500 VAL ETF 464287408 63 405 SH   SOLE NONE 0 0 405
VANGUARD INDEX FDS SMALL CP ETF 922908751 19,588 86,670 SH   SOLE NONE 0 0 86,670
APPLE INC COM 037833100 88 501 SH   SOLE NONE 0 0 501
ADOBE SYSTEMS INCORPORATED COM 00724F101 79 141 SH   SOLE NONE 0 0 141
AMAZON COM INC COM 023135106 66 20 SH   SOLE NONE 0 0 20
ANSYS INC COM 03662Q105 75 188 SH   SOLE NONE 0 0 188
BK OF AMERICA CORP COM 060505104 106 2,384 SH   SOLE NONE 0 0 2,384
CATERPILLAR INC COM 149123101 62 303 SH   SOLE NONE 0 0 303
COMCAST CORP NEW CL A 20030N101 64 1,280 SH   SOLE NONE 0 0 1,280
SALESFORCE COM INC COM 79466L302 78 308 SH   SOLE NONE 0 0 308
CISCO SYS INC COM 17275R102 73 1,167 SH   SOLE NONE 0 0 1,167
DISNEY WALT CO COM 254687106 73 475 SH   SOLE NONE 0 0 475
DUKE ENERGY CORP NEW COM NEW 26441C204 61 591 SH   SOLE NONE 0 0 591
META PLATFORMS INC CL A 30303M102 92 275 SH   SOLE NONE 0 0 275
ALPHABET INC CAP STK CL A 02079K305 112 39 SH   SOLE NONE 0 0 39
INTEL CORP COM 458140100 41 797 SH   SOLE NONE 0 0 797
JOHNSON &JOHNSON COM 478160104 55 324 SH   SOLE NONE 0 0 324
JPMORGAN CHASE &CO COM 46625H100 87 555 SH   SOLE NONE 0 0 555
LENNAR CORP CL A 526057104 137 1,184 SH   SOLE NONE 0 0 1,184
LILLY ELI &CO COM 532457108 49 178 SH   SOLE NONE 0 0 178
MEDTRONIC PLC SHS G5960L103 52 506 SH   SOLE NONE 0 0 506
MERCK &CO INC COM 58933Y105 44 584 SH   SOLE NONE 0 0 584
MICROSOFT CORP COM 594918104 92 274 SH   SOLE NONE 0 0 274
NVIDIA CORPORATION COM 67066G104 145 496 SH   SOLE NONE 0 0 496
ORGANON &CO COMMON STOCK 68622V106 1 58 SH   SOLE NONE 0 0 58
PROCTER AND GAMBLE CO COM 742718109 65 399 SH   SOLE NONE 0 0 399
TARGET CORP COM 87612E106 73 318 SH   SOLE NONE 0 0 318
UNITEDHEALTH GROUP INC COM 91324P102 81 162 SH   SOLE NONE 0 0 162
VISA INC COM CL A 92826C839 64 298 SH   SOLE NONE 0 0 298
ISHARES TR NATIONAL MUN ETF 464288414 6,472 55,660 SH   SOLE NONE 0 0 55,660
INVESCO EXCH TRD SLF IDX FD BULSHS 2023 CB 46138J866 53 2,500 SH   SOLE NONE 0 0 2,500
INVESCO EXCH TRD SLF IDX FD BULSHS 2025 CB 46138J825 52 2,400 SH   SOLE NONE 0 0 2,400
ISHARES TR IBONDS DEC2022 46435G755 72 2,800 SH   SOLE NONE 0 0 2,800
ISHARES TR IBONDS DEC 46435U697 72 2,700 SH   SOLE NONE 0 0 2,700
ISHARES TR MSCI EAFE MIN VL 46429B689 337 4,400 SH   SOLE NONE 0 0 4,400
ISHARES TR FLTG RATE NT ETF 46429B655 134 2,650 SH   SOLE NONE 0 0 2,650
AMPLIFY ETF TR BLACKSWAN GRWT 032108888 17 500 SH   SOLE NONE 0 0 500
ISHARES TR TRS FLT RT BD 46434V860 70 1,400 SH   SOLE NONE 0 0 1,400
ISHARES INC CORE MSCI EMKT 46434G103 123 2,070 SH   SOLE NONE 0 0 2,070
ISHARES GOLD TR ISHARES NEW 464285204 3,069 88,165 SH   SOLE NONE 0 0 88,165
VANGUARD INDEX FDS MID CAP ETF 922908629 2,359 9,260 SH   SOLE NONE 0 0 9,260
WISDOMTREE TR EM EX ST-OWNED 97717X578 8,569 232,550 SH   SOLE NONE 0 0 232,550
ISHARES TR ISHARES BIOTECH 464287556 190 1,250 SH   SOLE NONE 0 0 1,250
ISHARES TR ESG AWR US AGRGT 46435U549 845 15,320 SH   SOLE NONE 0 0 15,320
ISHARES TR ESG AW MSCI EAFE 46435G516 106 1,340 SH   SOLE NONE 0 0 1,340
ISHARES INC ESG AWR MSCI EM 46434G863 104 2,640 SH   SOLE NONE 0 0 2,640
VANGUARD WORLD FD ESG US STK ETF 921910733 523 5,960 SH   SOLE NONE 0 0 5,960
FIDELITY COVINGTON TRUST MSCI UTILS INDEX 316092865 5,606 121,040 SH   SOLE NONE 0 0 121,040
GLOBAL X FDS GLOBAL X COPPER 37954Y830 199 5,400 SH   SOLE NONE 0 0 5,400
ISHARES TR CORE S&P MCP ETF 464287507 334 1,180 SH   SOLE NONE 0 0 1,180
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 89 1,750 SH   SOLE NONE 0 0 1,750
ISHARES TR RUS 2000 VAL ETF 464287630 655 3,950 SH   SOLE NONE 0 0 3,950
SPDR SER TR S&P DIVID ETF 78464A763 264 2,050 SH   SOLE NONE 0 0 2,050
VANGUARD STAR FDS VG TL INTL STK F 921909768 1,376 21,650 SH   SOLE NONE 0 0 21,650
WEC ENERGY GROUP INC COM 92939U106 58 602 SH   SOLE NONE 0 0 602
HERON THERAPEUTICS INC COM 427746102 27 3,000 SH   SOLE NONE 0 0 3,000