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 22 154 SH   SOLE   0 0 154
INVESCO EXCHANGE TRADED FD T S&P MDCP VLU MNT 46137V456 45 1,276 SH   SOLE   0 0 1,276
SPDR S&P 500 ETF TR TR UNIT 78462F103 1,081 3,359 SH   SOLE   0 0 3,359
SPDR INDEX SHS FDS DJ INTL RL ETF 78463X863 34 877 SH   SOLE   0 0 877
SPDR SERIES TRUST DJ REIT ETF 78464A607 44 435 SH   SOLE   0 0 435
SNAP INC CL A 83304A106 1 33 SH   SOLE   0 0 33
VANGUARD WORLD FD EXTENDED DUR 921910709 40,881 314,521 SH   SOLE   0 0 314,521
VANGUARD BD INDEX FD INC SHORT TRM BOND 921937827 60,918 755,718 SH   SOLE   0 0 755,718
AURORA CANNABIS INC COM 05156X108 6 2,800 SH   SOLE   0 0 2,800
SPDR SERIES TRUST BLOMBERG INTL TR 78464A516 92 3,208 SH   SOLE   0 0 3,208
APPLE INC COM 037833100 243 829 SH   SOLE   0 0 829
VANGUARD WORLD FDS UTILITIES ETF 92204A876 178,306 1,247,857 SH   SOLE   0 0 1,247,857
COUSINS PPTYS INC COM NEW 222795502 6 150 SH   SOLE   0 0 150
INVESCO EXCHANGE TRADED FD T DYNMC LRG VALU 46137V738 68 1,639 SH   SOLE   0 0 1,639
VANGUARD WORLD FDS INDUSTRIAL ETF 92204A603 173,204 1,125,578 SH   SOLE   0 0 1,125,578
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 179,809 1,115,440 SH   SOLE   0 0 1,115,440
SPDR SERIES TRUST BLOOMBERG BRCLYS 78468R622 92 840 SH   SOLE   0 0 840
VANGUARD WORLD FDS ENERGY ETF 92204A306 109,956 1,349,314 SH   SOLE   0 0 1,349,314
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 7 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 1,374 11,000 SH   SOLE   0 0 11,000
VANGUARD BD INDEX FD INC LONG TERM BOND 921937793 106,694 1,063,322 SH   SOLE   0 0 1,063,322
VANGUARD WORLD FDS CONSUM DIS ETF 92204A108 176,615 932,102 SH   SOLE   0 0 932,102
VANGUARD WORLD FDS FINANCIALS ETF 92204A405 179,702 2,355,817 SH   SOLE   0 0 2,355,817
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 28 125 SH   SOLE   0 0 125
DTE ENERGY CO COM 233331107 34 260 SH   SOLE   0 0 260
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 170,792 1,840,631 SH   SOLE   0 0 1,840,631
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 12,646 988,761 SH   SOLE   0 0 988,761
VANGUARD BD INDEX FD INC INTERMED TERM 921937819 104,598 1,199,245 SH   SOLE   0 0 1,199,245
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504 172,601 900,182 SH   SOLE   0 0 900,182
HOME DEPOT INC COM 437076102 111 510 SH   SOLE   0 0 510
INVESCO EXCHANGE TRADED FD T DYNMC LRG GWTH 46137V746 35 680 SH   SOLE   0 0 680
INVESCO DB G10 CURRENCY HRVS UNIT 46139B102 71 2,932 SH   SOLE   0 0 2,932
VANGUARD WORLD FDS MATERIALS ETF 92204A801 169,045 1,260,215 SH   SOLE   0 0 1,260,215
NORFOLK SOUTHERN CORP COM 655844108 32 163 SH   SOLE   0 0 163
INVESCO EXCHANGE TRADED FD T S&P SMLCP MOMENT 46137V498 38 964 SH   SOLE   0 0 964
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 42,282 857,989 SH   SOLE   0 0 857,989
INTERNATIONAL BUSINESS MACHS COM 459200101 97 726 SH   SOLE   0 0 726
MCCORMICK & CO INC COM VTG 579780107 27 159 SH   SOLE   0 0 159
INVESCO DB COMMDY INDX TRCK UNIT 46138B103 72 4,516 SH   SOLE   0 0 4,516
SPDR SERIES TRUST PORTFLI TIPS ETF 78464A656 88 3,068 SH   SOLE   0 0 3,068
VANGUARD WORLD FDS INF TECH ETF 92204A702 195,278 797,543 SH   SOLE   0 0 797,543
VANGUARD WORLD FDS COMM SRVC ETF 92204A884 177,523 1,889,947 SH   SOLE   0 0 1,889,947
SPDR SERIES TRUST PORTFOLIO AGRGTE 78464A649 180 6,119 SH   SOLE   0 0 6,119
HONEYWELL INTL INC COM 438516106 42 240 SH   SOLE   0 0 240
PRUDENTIAL BANCORP INC NEW COM 74431A101 96 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 60 978 SH   SOLE   0 0 978
INVESCO EXCHANGE TRADED FD T S&P SMCP VLU MNT 46137V480 70 2,057 SH   SOLE   0 0 2,057
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 0 40 SH   SOLE   0 0 40
SPDR GOLD TRUST GOLD SHS 78463V107 197 1,377 SH   SOLE   0 0 1,377