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
DISNEY WALT CO COM DISNEY 254687106 20 154 SH   SOLE   0 0 154
INVESCO EXCHANGE TRADED FD T S&P MDCP VLU MNT 46137V456 42 1,305 SH   SOLE   0 0 1,305
SPDR S&P 500 ETF TR TR UNIT 78462F103 207 696 SH   SOLE   0 0 696
SPDR INDEX SHS FDS DJ INTL RL ETF 78463X863 35 880 SH   SOLE   0 0 880
SPDR SERIES TRUST DJ REIT ETF 78464A607 46 436 SH   SOLE   0 0 436
SNAP INC CL A 83304A106 1 33 SH   SOLE   0 0 33
VANGUARD WORLD FD EXTENDED DUR 921910709 56,968 403,170 SH   SOLE   0 0 403,170
VANGUARD BD INDEX FD INC SHORT TRM BOND 921937827 63,578 786,949 SH   SOLE   0 0 786,949
AURORA CANNABIS INC COM 05156X108 12 2,800 SH   SOLE   0 0 2,800
SPDR SERIES TRUST BLOMBERG INTL TR 78464A516 92 3,211 SH   SOLE   0 0 3,211
APPLE INC COM 037833100 186 830 SH   SOLE   0 0 830
VANGUARD WORLD FDS UTILITIES ETF 92204A876 181,224 1,261,564 SH   SOLE   0 0 1,261,564
COUSINS PPTYS INC COM NEW 222795502 6 150 SH   SOLE   0 0 150
INVESCO EXCHANGE TRADED FD T DYNMC LRG VALU 46137V738 63 1,653 SH   SOLE   0 0 1,653
VANGUARD WORLD FDS INDUSTRIAL ETF 92204A603 165,627 1,133,891 SH   SOLE   0 0 1,133,891
PUBLIC SVC ENTERPRISE GRP IN COM 744573106 38 607 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 176,422 1,126,866 SH   SOLE   0 0 1,126,866
SPDR SERIES TRUST BLOOMBERG BRCLYS 78468R622 91 841 SH   SOLE   0 0 841
VANGUARD WORLD FDS ENERGY ETF 92204A306 105,057 1,346,540 SH   SOLE   0 0 1,346,540
ADVANSIX INC COM 00773T101 0 9 SH   SOLE   0 0 9
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 6 50 SH   SOLE   0 0 50
ISHARES TR PFD AND INCM SEC 464288687 0 5 SH   SOLE   0 0 5
PROCTER & GAMBLE CO COM 742718109 1,368 11,000 SH   SOLE   0 0 11,000
VANGUARD BD INDEX FD INC LONG TERM BOND 921937793 123,018 1,198,190 SH   SOLE   0 0 1,198,190
VANGUARD WORLD FDS CONSUM DIS ETF 92204A108 168,961 938,046 SH   SOLE   0 0 938,046
VANGUARD WORLD FDS FINANCIALS ETF 92204A405 166,780 2,382,571 SH   SOLE   0 0 2,382,571
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 26 125 SH   SOLE   0 0 125
DTE ENERGY CO COM 233331107 35 260 SH   SOLE   0 0 260
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 172,975 1,854,963 SH   SOLE   0 0 1,854,963
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
INVESCO EXCHANGE TRADED FD T GBL LISTED PVT 46137V589 11,907 1,007,365 SH   SOLE   0 0 1,007,365
VANGUARD BD INDEX FD INC INTERMED TERM 921937819 117,810 1,338,755 SH   SOLE   0 0 1,338,755
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504 114,907 685,273 SH   SOLE   0 0 685,273
FS KKR CAPITAL CORP COM 302635107 18 3,066 SH   SOLE   0 0 3,066
HOME DEPOT INC COM 437076102 118 510 SH   SOLE   0 0 510
INVESCO EXCHANGE TRADED FD T DYNMC LRG GWTH 46137V746 33 692 SH   SOLE   0 0 692
INVESCO DB G10 CURRENCY HRVS UNIT 46139B102 68 2,781 SH   SOLE   0 0 2,781
VANGUARD WORLD FDS MATERIALS ETF 92204A801 159,439 1,261,587 SH   SOLE   0 0 1,261,587
NORFOLK SOUTHERN CORP COM 655844108 29 163 SH   SOLE   0 0 163
INVESCO EXCHANGE TRADED FD T S&P SMLCP MOMENT 46137V498 37 980 SH   SOLE   0 0 980
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 52,221 1,064,654 SH   SOLE   0 0 1,064,654
INTERNATIONAL BUSINESS MACHS COM 459200101 106 726 SH   SOLE   0 0 726
MCCORMICK & CO INC COM VTG 579780107 25 159 SH   SOLE   0 0 159
INVESCO DB COMMDY INDX TRCK UNIT 46138B103 68 4,524 SH   SOLE   0 0 4,524
SPDR SERIES TRUST PORTFLI TIPS ETF 78464A656 83 2,922 SH   SOLE   0 0 2,922
VANGUARD WORLD FDS INF TECH ETF 92204A702 175,465 814,036 SH   SOLE   0 0 814,036
VANGUARD WORLD FDS COMM SRVC ETF 92204A884 165,142 1,904,756 SH   SOLE   0 0 1,904,756
SPDR SERIES TRUST PORTFOLIO AGRGTE 78464A649 181 6,119 SH   SOLE   0 0 6,119
HONEYWELL INTL INC COM 438516106 41 240 SH   SOLE   0 0 240
PRUDENTIAL BANCORP INC NEW COM 74431A101 88 5,189 SH   SOLE   0 0 5,189
WISDOMTREE TR BLMBG US BULL 97717W471 1 36 SH   SOLE   0 0 36
INVESCO EXCHANGE TRADED FD T S&P MDCP MOMNTUM 46137V464 58 1,000 SH   SOLE   0 0 1,000
INVESCO EXCHANGE TRADED FD T S&P SMCP VLU MNT 46137V480 63 2,064 SH   SOLE   0 0 2,064
AFLAC INC COM 001055102 8 150 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