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
SNAP INC CL A 83304A106 0 33 SH   SOLE   0 0 33
SPDR S&P 500 ETF TR TR UNIT 78462F103 1,513 6,054 SH   SOLE   0 0 6,054
APPLE INC COM 037833100 145 921 SH   SOLE   0 0 921
VANGUARD WORLD FDS INDUSTRIAL ETF 92204A603 1,873 15,556 SH   SOLE   0 0 15,556
INVESCO EXCHANGE TRADED FD T RUSEL MDCP GWT 46137V464 65 1,441 SH   SOLE   0 0 1,441
VANGUARD WORLD FDS ENERGY ETF 92204A306 1,602 20,770 SH   SOLE   0 0 20,770
EXXON MOBIL CORP COM 30231G102 14 199 SH   SOLE   0 0 199
ISHARES TR GLB CNSM STP ETF 464288737 0 4 SH   SOLE   0 0 4
JPMORGAN CHASE & CO COM 46625H100 5 50 SH   SOLE   0 0 50
INVESCO EXCHANGE TRADED FD T RUSEL 2000 VAL 46137V480 72 2,723 SH   SOLE   0 0 2,723
SPDR SERIES TRUST BLOOMBERG BRCLYS 78464A417 116 3,460 SH   SOLE   0 0 3,460
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 1 19 SH   SOLE   0 0 19
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504 2,229 13,881 SH   SOLE   0 0 13,881
INVESCO EXCHANGE TRADED FD T GBL LISTED PVT 46137V589 78 7,793 SH   SOLE   0 0 7,793
VANGUARD WORLD FDS MATERIALS ETF 92204A801 1,825 16,468 SH   SOLE   0 0 16,468
INVESCO DB G10 CURRENCY HRVS UNIT 46139B102 82 3,476 SH   SOLE   0 0 3,476
AMERICAN FIN TR INC COM CLASS A 02607T109 9 688 SH   SOLE   0 0 688
MCCORMICK & CO INC COM VTG 579780107 22 159 SH   SOLE   0 0 159
TESLA INC COM 88160R101 1 2 SH   SOLE   0 0 2
BRISTOL MYERS SQUIBB CO COM 110122108 0 0 SH   SOLE   0 0 0
SPDR SERIES TRUST PORTFOLIO AGRGTE 78464A649 242 8,686 SH   SOLE   0 0 8,686
ALLIANT ENERGY CORP COM 018802108 0 0 SH   SOLE   0 0 0
WISDOMTREE TR BLMBG US BULL 97717W471 1 36 SH   SOLE   0 0 36
AFLAC INC COM 001055102 7 150 SH   SOLE   0 0 150
GARRETT MOTION INC COM 366505105 0 24 SH   SOLE   0 0 24
RESIDEO TECHNOLOGIES INC COM 76118Y104 1 40 SH   SOLE   0 0 40
SPDR SERIES TRUST BLMBRG BRC INTRM 78464A672 1,285 21,574 SH   SOLE   0 0 21,574
SPDR SERIES TRUST DJ REIT ETF 78464A607 48 558 SH   SOLE   0 0 558
DISNEY WALT CO COM DISNEY 254687106 17 154 SH   SOLE   0 0 154
SPDR INDEX SHS FDS DJ INTL RL ETF 78463X863 36 1,022 SH   SOLE   0 0 1,022
VANGUARD BD INDEX FD INC SHORT TRM BOND 921937827 1,070,241 13,621,493 SH   SOLE   0 0 13,621,493
SPDR SERIES TRUST BLOMBERG INTL TR 78464A516 123 4,445 SH   SOLE   0 0 4,445
VANGUARD WORLD FDS UTILITIES ETF 92204A876 40,967 347,678 SH   SOLE   0 0 347,678
AT&T INC COM 00206R102 0 0 SH   SOLE   0 0 0
PROCTER AND GAMBLE CO COM 742718109 1,011 11,000 SH   SOLE   0 0 11,000
INVESCO EXCHANGE TRADED FD T DYNMC LRG VALU 46137V738 71 2,189 SH   SOLE   0 0 2,189
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 1 10 SH   SOLE   0 0 10
VANGUARD WORLD FDS CONSUM STP ETF 92204A207 1,857 14,155 SH   SOLE   0 0 14,155
ADVANSIX INC COM 00773T101 0 9 SH   SOLE   0 0 9
VANGUARD WORLD FDS CONSUM DIS ETF 92204A108 2,037 13,535 SH   SOLE   0 0 13,535
VANGUARD BD INDEX FD INC LONG TERM BOND 921937793 555,476 6,347,567 SH   SOLE   0 0 6,347,567
DTE ENERGY CO COM 233331107 29 260 SH   SOLE   0 0 260
VANGUARD WORLD FDS FINANCIALS ETF 92204A405 1,926 32,454 SH   SOLE   0 0 32,454
MONDELEZ INTL INC CL A 609207105 0 0 SH   SOLE   0 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 1,816 24,349 SH   SOLE   0 0 24,349
PUBLIC SVC ENTERPRISE GROUP COM 744573106 32 607 SH   SOLE   0 0 607
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 2 23 SH   SOLE   0 0 23
TIER REIT INC COM NEW 88650V208 4 202 SH   SOLE   0 0 202
VANGUARD BD INDEX FD INC INTERMED TERM 921937819 554,750 6,824,336 SH   SOLE   0 0 6,824,336
FS KKR CAPITAL CORP COM 302635107 16 3,066 SH   SOLE   0 0 3,066
HOME DEPOT INC COM 437076102 88 510 SH   SOLE   0 0 510
INVESCO EXCHANGE TRADED FD T RUSEL MDCP PUR 46137V456 48 1,757 SH   SOLE   0 0 1,757
INVESCO EXCHANGE TRADED FD T DYNMC LRG GWTH 46137V746 41 997 SH   SOLE   0 0 997
NORFOLK SOUTHERN CORP COM 655844108 39 259 SH   SOLE   0 0 259
INVESCO EXCHANGE TRADED FD T RUSEL 2000 PUR 46137V498 41 1,326 SH   SOLE   0 0 1,326
CAMPBELL SOUP CO COM 134429109 0 0 SH   SOLE   0 0 0
SPDR SERIES TRUST BLOMBRG BRC TIPS 78464A656 114 2,122 SH   SOLE   0 0 2,122
INTERNATIONAL BUSINESS MACHS COM 459200101 83 726 SH   SOLE   0 0 726
VANGUARD WORLD FDS COMM SRVC ETF 92204A884 1,569 21,178 SH   SOLE   0 0 21,178
INVESCO DB COMMDY INDX TRCK UNIT 46138B103 89 6,161 SH   SOLE   0 0 6,161
ISHARES TR S&P US PFD STK 464288687 0 5 SH   SOLE   0 0 5
VANGUARD WORLD FDS INF TECH ETF 92204A702 2,250 13,487 SH   SOLE   0 0 13,487
HONEYWELL INTL INC COM 438516106 32 240 SH   SOLE   0 0 240
PRUDENTIAL BANCORP INC NEW COM 74431A101 91 5,189 SH   SOLE   0 0 5,189
SPDR SERIES TRUST PORTFOLIO LN TSR 78464A664 1,342 38,300 SH   SOLE   0 0 38,300