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
SPDR S&P 500 ETF TR TR UNIT 78462F103 362 1,334 SH   SOLE   0 0 1,334
ISHARES TR GLB CNSM STP ETF 464288737 0 4 SH   SOLE   0 0 4
BRISTOL MYERS SQUIBB CO COM 110122108 0 0 SH   SOLE   0 0 0
DISNEY WALT CO COM DISNEY 254687106 16 154 SH   SOLE   0 0 154
HONEYWELL INTL INC COM 438516106 35 240 SH   SOLE   0 0 240
SYSCO CORP COM 871829107 0 0 SH   SOLE   0 0 0
AT&T INC COM 00206R102 0 0 SH   SOLE   0 0 0
CITIGROUP INC COM NEW 172967424 9 130 SH   SOLE   0 0 130
INTERNATIONAL BUSINESS MACHS COM 459200101 101 726 SH   SOLE   0 0 726
SPDR SERIES TRUST DJ REIT ETF 78464A607 63 674 SH   SOLE   0 0 674
SELECT SECTOR SPDR TR ENERGY 81369Y506 0 5 SH   SOLE   0 0 5
VANGUARD GROUP DIV APP ETF 921908844 119 1,170 SH   SOLE   0 0 1,170
EXXON MOBIL CORP COM 30231G102 16 199 SH   SOLE   0 0 199
AFLAC INC COM 001055102 6 150 SH   SOLE   0 0 150
MERCK & CO INC COM 58933Y105 0 0 SH   SOLE   0 0 0
PROCTER AND GAMBLE CO COM 742718109 859 11,000 SH   SOLE   0 0 11,000
GENERAL ELECTRIC CO COM 369604103 4 286 SH   SOLE   0 0 286
KIMBERLY CLARK CORP COM 494368103 0 0 SH   SOLE   0 0 0
HOME DEPOT INC COM 437076102 100 510 SH   SOLE   0 0 510
MCDONALDS CORP COM 580135101 0 0 SH   SOLE   0 0 0
JPMORGAN CHASE & CO COM 46625H100 5 50 SH   SOLE   0 0 50
MONDELEZ INTL INC CL A 609207105 0 0 SH   SOLE   0 0 0
3M CO COM 88579Y101 0 0 SH   SOLE   0 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 12 85 SH   SOLE   0 0 85
WASTE MGMT INC DEL COM 94106L109 0 0 SH   SOLE   0 0 0
NORFOLK SOUTHERN CORP COM 655844108 39 259 SH   SOLE   0 0 259
DUKE ENERGY CORP NEW COM NEW 26441C204 0 0 SH   SOLE   0 0 0
APPLE INC COM 037833100 169 914 SH   SOLE   0 0 914
ALLIANT ENERGY CORP COM 018802108 0 0 SH   SOLE   0 0 0
CAMPBELL SOUP CO COM 134429109 0 0 SH   SOLE   0 0 0
VANGUARD WORLD FDS CONSUM STP ETF 92204A207 126,032 938,645 SH   SOLE   0 0 938,645
DTE ENERGY CO COM 233331107 27 260 SH   SOLE   0 0 260
GENERAL MLS INC COM 370334104 0 0 SH   SOLE   0 0 0
KELLOGG CO COM 487836108 0 0 SH   SOLE   0 0 0
PUBLIC SVC ENTERPRISE GROUP COM 744573106 33 607 SH   SOLE   0 0 607
SOUTHERN CO COM 842587107 0 0 SH   SOLE   0 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 3 70 SH   SOLE   0 0 70
O REILLY AUTOMOTIVE INC NEW COM 67103H107 27 100 SH   SOLE   0 0 100
CLOROX CO DEL COM 189054109 0 0 SH   SOLE   0 0 0
TIER REIT INC COM NEW 88650V208 5 202 SH   SOLE   0 0 202
SPDR GOLD TRUST GOLD SHS 78463V107 197 1,660 SH   SOLE   0 0 1,660
VANGUARD WORLD FDS ENERGY ETF 92204A306 182,586 1,737,587 SH   SOLE   0 0 1,737,587
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504 190,164 1,194,946 SH   SOLE   0 0 1,194,946
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 126,449 1,552,470 SH   SOLE   0 0 1,552,470
VANGUARD WORLD FDS MATERIALS ETF 92204A801 187,691 1,426,656 SH   SOLE   0 0 1,426,656
REPUBLIC SVCS INC COM 760759100 0 0 SH   SOLE   0 0 0
VANGUARD WORLD FDS FINANCIALS ETF 92204A405 192,614 2,855,663 SH   SOLE   0 0 2,855,663
VANGUARD WORLD FDS UTILITIES ETF 92204A876 134,573 1,160,514 SH   SOLE   0 0 1,160,514
INVESCO EXCHANGE TRADED FD T RUSEL MDCP PUR 46137V456 63 2,030 SH   SOLE   0 0 2,030
VANGUARD WORLD FDS COMM SRVC ETF 92204A884 118,368 1,393,875 SH   SOLE   0 0 1,393,875
INVESCO DB COMMDY INDX TRCK UNIT 46138B103 10,695 604,920 SH   SOLE   0 0 604,920
VANGUARD WORLD FDS INF TECH ETF 92204A702 216,752 1,194,885 SH   SOLE   0 0 1,194,885
VANGUARD WORLD FDS CONSUM DIS ETF 92204A108 201,882 1,190,132 SH   SOLE   0 0 1,190,132
VANGUARD WORLD FDS INDUSTRIAL ETF 92204A603 186,025 1,369,746 SH   SOLE   0 0 1,369,746
INVESCO EXCHANGE TRADED FD T RUSEL 2000 VAL 46137V480 105 3,274 SH   SOLE   0 0 3,274
INVESCO EXCHANGE TRADED FD T DYNMC LRG GWTH 46137V746 57 1,274 SH   SOLE   0 0 1,274
INVESCO EXCHANGE TRADED FD T DYNMC LRG VALU 46137V738 92 2,567 SH   SOLE   0 0 2,567
INVESCO EXCHANGE TRADED FD T RUSEL MDCP GWT 46137V464 90 1,848 SH   SOLE   0 0 1,848
INVESCO EXCHANGE TRADED FD T RUSEL 2000 PUR 46137V498 58 1,597 SH   SOLE   0 0 1,597
MCCORMICK & CO INC COM VTG 579780107 18 159 SH   SOLE   0 0 159
INVESCO EXCHANGE TRADED FD T GBL LISTED PVT 46137V589 9,655 805,909 SH   SOLE   0 0 805,909
INVESCO DB G10 CURRENCY HRVS UNIT 46139B102 98 4,025 SH   SOLE   0 0 4,025
SPDR INDEX SHS FDS DJ INTL RL ETF 78463X863 47 1,200 SH   SOLE   0 0 1,200
VANGUARD BD INDEX FD INC SHORT TRM BOND 921937827 345,847 4,422,031 SH   SOLE   0 0 4,422,031
VANGUARD BD INDEX FD INC INTERMED TERM 921937819 64,257 793,593 SH   SOLE   0 0 793,593
VANGUARD BD INDEX FD INC TOTAL BND MRKT 921937835 0 0 SH   SOLE   0 0 0
VANGUARD BD INDEX FD INC LONG TERM BOND 921937793 63,150 712,432 SH   SOLE   0 0 712,432
ISHARES TR S&P US PFD STK 464288687 0 5 SH   SOLE   0 0 5
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 5 128 SH   SOLE   0 0 128
ISHARES TR NATIONAL MUN ETF 464288414 1 6 SH   SOLE   0 0 6
SPDR SER TR NUVEEN BRC MUNIC 78468R721 1 27 SH   SOLE   0 0 27
SPDR SERIES TRUST BLMBRG BRC CNVRT 78464A359 389 7,335 SH   SOLE   0 0 7,335
SPDR SERIES TRUST BLOMBERG INTL TR 78464A516 181 6,536 SH   SOLE   0 0 6,536
SPDR SERIES TRUST BLOMBRG BRC TIPS 78464A656 164 2,949 SH   SOLE   0 0 2,949
SPDR SERIES TRUST BLOOMBERG BRCLYS 78464A417 172 4,861 SH   SOLE   0 0 4,861
PRUDENTIAL BANCORP INC NEW COM 74431A101 100 5,189 SH   SOLE   0 0 5,189
SPDR SERIES TRUST BLMBRG BRC INTRM 78464A672 245 4,174 SH   SOLE   0 0 4,174
SPDR SERIES TRUST PORTFOLIO LN TSR 78464A664 247 7,061 SH   SOLE   0 0 7,061
SPDR SERIES TRUST PORTFOLIO AGRGTE 78464A649 350 12,557 SH   SOLE   0 0 12,557
INVESCO ACTIVELY MANAGD ETF ULTRA SHRT DUR 46090A887 168 3,334 SH   SOLE   0 0 3,334
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 8 123 SH   SOLE   0 0 123
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 7 215 SH   SOLE   0 0 215
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 1 10 SH   SOLE   0 0 10
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 2 23 SH   SOLE   0 0 23
TESLA INC COM 88160R101 1 2 SH   SOLE   0 0 2
VANGUARD SCOTTSDALE FDS VNG RUS1000IDX 92206C730 0 0 SH   SOLE   0 0 0
VANGUARD SCOTTSDALE FDS VNG RUS2000IDX 92206C664 0 0 SH   SOLE   0 0 0
VANGUARD STAR FD VG TL INTL STK F 921909768 0 0 SH   SOLE   0 0 0
CORPORATE CAP TR INC COM 219880101 20 1,302 SH   SOLE   0 0 1,302
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 2 45 SH   SOLE   0 0 45
ISHARES TR MIN VOL USA ETF 46429B697 124 2,331 SH   SOLE   0 0 2,331
ISHARES INC CORE MSCI EMKT 46434G103 5 104 SH   SOLE   0 0 104
ISHARES TR USA MOMENTUM FCT 46432F396 90 820 SH   SOLE   0 0 820
ISHARES TR USA QUALITY FCTR 46432F339 115 1,378 SH   SOLE   0 0 1,378
WISDOMTREE TR BLMBG US BULL 97717W471 1 36 SH   SOLE   0 0 36
VANGUARD MUN BD FD INC TAX EXEMPT BD 922907746 5 89 SH   SOLE   0 0 89
ADVANSIX INC COM 00773T101 0 9 SH   SOLE   0 0 9
SNAP INC CL A 83304A106 0 33 SH   SOLE   0 0 33