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
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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
DISNEY WALT CO COM DISNEY 254687106 17 154 SH   SOLE   0 0 154
SPDR S&P 500 ETF TR TR UNIT 78462F103 2,082 7,371 SH   SOLE   0 0 7,371
SPDR INDEX SHS FDS DJ INTL RL ETF 78463X863 41 1,046 SH   SOLE   0 0 1,046
SPDR SERIES TRUST DJ REIT ETF 78464A607 52 527 SH   SOLE   0 0 527
SNAP INC CL A 83304A106 0 33 SH   SOLE   0 0 33
VANGUARD WORLD FD EXTENDED DUR 921910709 111,927 939,223 SH   SOLE   0 0 939,223
VANGUARD BD INDEX FD INC SHORT TRM BOND 921937827 168,807 2,120,963 SH   SOLE   0 0 2,120,963
SPDR SERIES TRUST BLOMBERG INTL TR 78464A516 113 4,037 SH   SOLE   0 0 4,037
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 2 38 SH   SOLE   0 0 38
ABBOTT LABS COM 002824100 38 475 SH   SOLE   0 0 475
APPLE INC COM 037833100 175 921 SH   SOLE   0 0 921
VANGUARD WORLD FDS UTILITIES ETF 92204A876 174,492 1,346,387 SH   SOLE   0 0 1,346,387
AT&T INC COM 00206R102 0 0 SH   SOLE   0 0 0
INVESCO EXCHANGE TRADED FD T RUSEL MDCP GWT 46137V464 73 1,294 SH   SOLE   0 0 1,294
INVESCO EXCHANGE TRADED FD T DYNMC LRG VALU 46137V738 73 2,075 SH   SOLE   0 0 2,075
PROCTER AND GAMBLE CO COM 742718109 1,145 11,000 SH   SOLE   0 0 11,000
VANGUARD WORLD FDS INDUSTRIAL ETF 92204A603 167,564 1,197,741 SH   SOLE   0 0 1,197,741
PUBLIC SVC ENTERPRISE GRP IN COM 744573106 36 607 SH   SOLE   0 0 607
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 1 10 SH   SOLE   0 0 10
VANGUARD WORLD FDS CONSUM STP ETF 92204A207 129,308 890,487 SH   SOLE   0 0 890,487
WALMART INC COM 931142103 1 10 SH   SOLE   0 0 10
ISHARES TR CORE S&P SCP ETF 464287804 1 15 SH   SOLE   0 0 15
ISHARES TR RUS TP200 VL ETF 464289420 4 82 SH   SOLE   0 0 82
VANGUARD WORLD FDS ENERGY ETF 92204A306 125,854 1,408,080 SH   SOLE   0 0 1,408,080
ADVANSIX INC COM 00773T101 0 9 SH   SOLE   0 0 9
EXXON MOBIL CORP COM 30231G102 16 199 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 77 2,587 SH   SOLE   0 0 2,587
ISHARES TR PFD AND INCM SEC 464288687 0 5 SH   SOLE   0 0 5
SPDR SERIES TRUST BLOOMBERG BRCLYS 78464A417 114 3,179 SH   SOLE   0 0 3,179
VANGUARD BD INDEX FD INC LONG TERM BOND 921937793 172,131 1,868,144 SH   SOLE   0 0 1,868,144
VANGUARD WORLD FDS CONSUM DIS ETF 92204A108 128,647 746,169 SH   SOLE   0 0 746,169
VANGUARD WORLD FDS FINANCIALS ETF 92204A405 122,335 1,895,488 SH   SOLE   0 0 1,895,488
DTE ENERGY CO COM 233331107 32 260 SH   SOLE   0 0 260
MONDELEZ INTL INC CL A 609207105 0 0 SH   SOLE   0 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 170,757 1,964,754 SH   SOLE   0 0 1,964,754
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 2 23 SH   SOLE   0 0 23
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 1 19 SH   SOLE   0 0 19
TIER REIT INC COM NEW 88650V208 6 202 SH   SOLE   0 0 202
INVESCO EXCHANGE TRADED FD T GBL LISTED PVT 46137V589 84 7,369 SH   SOLE   0 0 7,369
VANGUARD BD INDEX FD INC INTERMED TERM 921937819 169,089 2,014,643 SH   SOLE   0 0 2,014,643
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504 125,182 725,775 SH   SOLE   0 0 725,775
FS KKR CAPITAL CORP COM 302635107 19 3,066 SH   SOLE   0 0 3,066
AMERICAN FIN TR INC COM CLASS A 02607T109 10 917 SH   SOLE   0 0 917
HOME DEPOT INC COM 437076102 98 510 SH   SOLE   0 0 510
INVESCO EXCHANGE TRADED FD T RUSEL MDCP PUR 46137V456 53 1,671 SH   SOLE   0 0 1,671
INVESCO EXCHANGE TRADED FD T DYNMC LRG GWTH 46137V746 45 950 SH   SOLE   0 0 950
INVESCO DB G10 CURRENCY HRVS UNIT 46139B102 80 3,262 SH   SOLE   0 0 3,262
VANGUARD WORLD FDS MATERIALS ETF 92204A801 126,213 1,025,371 SH   SOLE   0 0 1,025,371
NORFOLK SOUTHERN CORP COM 655844108 48 259 SH   SOLE   0 0 259
CAMPBELL SOUP CO COM 134429109 0 0 SH   SOLE   0 0 0
INVESCO EXCHANGE TRADED FD T RUSEL 2000 PUR 46137V498 46 1,258 SH   SOLE   0 0 1,258
ISHARES TR RUS TP200 GR ETF 464289438 6 74 SH   SOLE   0 0 74
SPDR SERIES TRUST BLOMBRG BRC TIPS 78464A656 106 1,904 SH   SOLE   0 0 1,904
VANGUARD INTL EQUITY INDEX F FTSE PACIFIC ETF 922042866 1 19 SH   SOLE   0 0 19
INTERNATIONAL BUSINESS MACHS COM 459200101 102 726 SH   SOLE   0 0 726
MCCORMICK & CO INC COM VTG 579780107 24 159 SH   SOLE   0 0 159
INVESCO DB COMMDY INDX TRCK UNIT 46138B103 94 5,933 SH   SOLE   0 0 5,933
ISHARES TR CORE S&P MCP ETF 464287507 4 19 SH   SOLE   0 0 19
VANGUARD WORLD FDS INF TECH ETF 92204A702 171,182 853,223 SH   SOLE   0 0 853,223
VANGUARD WORLD FDS COMM SRVC ETF 92204A884 126,868 1,519,009 SH   SOLE   0 0 1,519,009
BRISTOL MYERS SQUIBB CO COM 110122108 0 0 SH   SOLE   0 0 0
COLONY CAP INC NEW CL A COM 19626G108 0 0 SH   SOLE   0 0 0
SPDR SERIES TRUST PORTFOLIO AGRGTE 78464A649 225 7,868 SH   SOLE   0 0 7,868
ALLIANT ENERGY CORP COM 018802108 0 0 SH   SOLE   0 0 0
ENBRIDGE INC COM 29250N105 1 29 SH   SOLE   0 0 29
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 1 25 SH   SOLE   0 0 25
HONEYWELL INTL INC COM 438516106 38 240 SH   SOLE   0 0 240
PRUDENTIAL BANCORP INC NEW COM 74431A101 90 5,189 SH   SOLE   0 0 5,189
WISDOMTREE TR BLMBG US BULL 97717W471 1 36 SH   SOLE   0 0 36
AFLAC INC COM 001055102 8 150 SH   SOLE   0 0 150
MORGAN STANLEY COM NEW 617446448 15 350 SH   SOLE   0 0 350
SPDR GOLD TRUST GOLD SHS 78463V107 837 6,860 SH   SOLE   0 0 6,860
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 PORTFOLIO LN TSR 78464A664 714 19,629 SH   SOLE   0 0 19,629
SPDR SERIES TRUST BLMBRG BRC INTRM 78464A672 688 11,394 SH   SOLE   0 0 11,394