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
INVESCO EXCHANGE TRADED FD T S&P MDCP VLU MNT 46137V456 29 1,018 SH   SOLE   0 0 1,018
SPDR S&P 500 ETF TR TR UNIT 78462F103 209 623 SH   SOLE   0 0 623
SPDR INDEX SHS FDS DJ INTL RL ETF 78463X863 24 824 SH   SOLE   0 0 824
SPDR SER TR PORTFLI TIPS ETF 78464A656 78 2,534 SH   SOLE   0 0 2,534
SNAP INC CL A 83304A106 1 33 SH   SOLE   0 0 33
VANGUARD WORLD FD EXTENDED DUR 921910709 86,456 522,204 SH   SOLE   0 0 522,204
VANGUARD BD INDEX FDS LONG TERM BOND 921937793 154,456 1,381,046 SH   SOLE   0 0 1,381,046
AURORA CANNABIS INC COM 05156X884 1 233 SH   SOLE   0 0 233
DISNEY WALT CO COM DISNEY 254687106 19 150 SH   SOLE   0 0 150
NETAPP INC COM 64110D104 3 68 SH   SOLE   0 0 68
PFIZER INC COM 717081103 2 46 SH   SOLE   0 0 46
ASSURANT INC COM 04621X108 2 17 SH   SOLE   0 0 17
BWX TECHNOLOGIES INC COM 05605H100 2 34 SH   SOLE   0 0 34
CVS HEALTH CORP COM 126650100 1 21 SH   SOLE   0 0 21
FS KKR CAP CORP II COM 35952V303 19 1,300 SH   SOLE   0 0 1,300
STATE STR CORP COM 857477103 3 45 SH   SOLE   0 0 45
APPLE INC COM 037833100 405 3,496 SH   SOLE   0 0 3,496
LOWES COS INC COM 548661107 5 29 SH   SOLE   0 0 29
SPDR SER TR BLOOMBERG BRCLYS 78468R622 96 925 SH   SOLE   0 0 925
VANGUARD WORLD FDS UTILITIES ETF 92204A876 91,394 707,935 SH   SOLE   0 0 707,935
COUSINS PPTYS INC COM NEW 222795502 4 150 SH   SOLE   0 0 150
MERCK & CO. INC COM 58933Y105 2 23 SH   SOLE   0 0 23
TARGET CORP COM 87612E106 5 32 SH   SOLE   0 0 32
INVESCO EXCHANGE TRADED FD T DYNMC LRG VALU 46137V738 44 1,288 SH   SOLE   0 0 1,288
PROCTER AND GAMBLE CO COM 742718109 1,534 11,037 SH   SOLE   0 0 11,037
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 128,462 1,546,805 SH   SOLE   0 0 1,546,805
VANGUARD WORLD FDS INDUSTRIAL ETF 92204A603 149,503 1,032,690 SH   SOLE   0 0 1,032,690
BOEING CO COM 097023105 6 34 SH   SOLE   0 0 34
NORFOLK SOUTHN CORP COM 655844108 19 87 SH   SOLE   0 0 87
PUBLIC SVC ENTERPRISE GRP IN COM 744573106 33 607 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 138,327 846,761 SH   SOLE   0 0 846,761
CINTAS CORP COM 172908105 1 4 SH   SOLE   0 0 4
WALMART INC COM 931142103 2 15 SH   SOLE   0 0 15
VANGUARD WORLD FDS ENERGY ETF 92204A306 84,375 2,093,145 SH   SOLE   0 0 2,093,145
ADVANSIX INC COM 00773T101 0 9 SH   SOLE   0 0 9
EBAY INC. COM 278642103 5 93 SH   SOLE   0 0 93
EXXON MOBIL CORP COM 30231G102 7 199 SH   SOLE   0 0 199
JPMORGAN CHASE & CO COM 46625H100 5 50 SH   SOLE   0 0 50
VERISK ANALYTICS INC COM 92345Y106 616 3,322 SH   SOLE   0 0 3,322
VANGUARD WORLD FDS CONSUM DIS ETF 92204A108 166,018 707,602 SH   SOLE   0 0 707,602
VANGUARD WORLD FDS FINANCIALS ETF 92204A405 97,272 1,662,766 SH   SOLE   0 0 1,662,766
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 27 125 SH   SOLE   0 0 125
DTE ENERGY CO COM 233331107 30 260 SH   SOLE   0 0 260
ISHARES TR PFD AND INCM SEC 464288687 0 2 SH   SOLE   0 0 2
SPDR SER TR PORTFOLIO LN TSR 78464A664 16 347 SH   SOLE   0 0 347
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 96,965 1,228,033 SH   SOLE   0 0 1,228,033
EXPEDITORS INTL WASH INC COM 302130109 2 19 SH   SOLE   0 0 19
KIMBERLY CLARK CORP COM 494368103 3 17 SH   SOLE   0 0 17
NRG ENERGY INC COM NEW 629377508 3 82 SH   SOLE   0 0 82
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 3 23 SH   SOLE   0 0 23
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 1 19 SH   SOLE   0 0 19
VISA INC COM CL A 92826C839 2 8 SH   SOLE   0 0 8
INVESCO EXCHANGE TRADED FD T GBL LISTED PVT 46137V589 11,108 1,021,864 SH   SOLE   0 0 1,021,864
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504 146,791 719,562 SH   SOLE   0 0 719,562
HOME DEPOT INC COM 437076102 142 510 SH   SOLE   0 0 510
INVESCO EXCHANGE TRADED FD T DYNMC LRG GWTH 46137V746 29 474 SH   SOLE   0 0 474
VANGUARD WORLD FDS MATERIALS ETF 92204A801 150,536 1,118,314 SH   SOLE   0 0 1,118,314
HUMANA INC COM 444859102 2 6 SH   SOLE   0 0 6
ISHARES TR IBOXX HI YD ETF 464288513 21 247 SH   SOLE   0 0 247
SMUCKER J M CO COM NEW 832696405 1 10 SH   SOLE   0 0 10
INVESCO EXCHANGE TRADED FD T S&P SMLCP MOMENT 46137V498 29 727 SH   SOLE   0 0 727
LOCKHEED MARTIN CORP COM 539830109 4 11 SH   SOLE   0 0 11
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 91,272 1,788,940 SH   SOLE   0 0 1,788,940
AMGEN INC COM 031162100 2 7 SH   SOLE   0 0 7
INTERNATIONAL BUSINESS MACHS COM 459200101 88 726 SH   SOLE   0 0 726
MCCORMICK & CO INC COM VTG 579780107 31 159 SH   SOLE   0 0 159
UNITEDHEALTH GROUP INC COM 91324P102 2 8 SH   SOLE   0 0 8
INVESCO DB COMMDY INDX TRCK UNIT 46138B103 10,975 840,353 SH   SOLE   0 0 840,353
INVESCO DB G10 CURRENCY HARV UNIT 46139B102 61 2,625 SH   SOLE   0 0 2,625
SPDR SER TR PORTFOLIO AGRGTE 78464A649 143 4,654 SH   SOLE   0 0 4,654
VANGUARD WORLD FDS INF TECH ETF 92204A702 164,839 529,263 SH   SOLE   0 0 529,263
VANGUARD WORLD FDS COMM SRVC ETF 92204A884 154,400 1,515,659 SH   SOLE   0 0 1,515,659
ADOBE SYSTEMS INCORPORATED COM 00724F101 2 5 SH   SOLE   0 0 5
PRIMERICA INC COM 74164M108 2 21 SH   SOLE   0 0 21
UGI CORP NEW COM 902681105 3 78 SH   SOLE   0 0 78
HANESBRANDS INC COM 410345102 4 260 SH   SOLE   0 0 260
SPDR SER TR BLOMBERG INTL TR 78464A516 78 2,630 SH   SOLE   0 0 2,630
AMERISOURCEBERGEN CORP COM 03073E105 2 24 SH   SOLE   0 0 24
APPLIED MATLS INC COM 038222105 3 45 SH   SOLE   0 0 45
VISTRA CORP COM 92840M102 2 108 SH   SOLE   0 0 108
SPDR SER TR DJ REIT ETF 78464A607 26 336 SH   SOLE   0 0 336
EMERSON ELEC CO COM 291011104 2 31 SH   SOLE   0 0 31
HONEYWELL INTL INC COM 438516106 40 240 SH   SOLE   0 0 240
ISHARES TR 20 YR TR BD ETF 464287432 16 99 SH   SOLE   0 0 99
PRUDENTIAL BANCORP INC NEW COM 74431A101 55 5,189 SH   SOLE   0 0 5,189
INVESCO EXCHANGE TRADED FD T S&P MDCP MOMNTUM 46137V464 50 752 SH   SOLE   0 0 752
INVESCO EXCHANGE TRADED FD T S&P SMCP VLU MNT 46137V480 44 1,625 SH   SOLE   0 0 1,625
VANGUARD BD INDEX FDS INTERMED TERM 921937819 161,993 1,732,914 SH   SOLE   0 0 1,732,914
AFLAC INC COM 001055102 5 150 SH   SOLE   0 0 150
BEST BUY INC COM 086516101 2 15 SH   SOLE   0 0 15
LUMEN TECHNOLOGIES INC COM 156700106 3 308 SH   SOLE   0 0 308
HP INC COM 40434L105 2 118 SH   SOLE   0 0 118
UNITED PARCEL SERVICE INC CL B 911312106 2 12 SH   SOLE   0 0 12
COCA COLA EUROPEAN PARTNERS SHS G25839104 3 65 SH   SOLE   0 0 65
SEAGATE TECHNOLOGY PLC SHS G7945M107 2 37 SH   SOLE   0 0 37
KELLOGG CO COM 487836108 1 12 SH   SOLE   0 0 12
RESIDEO TECHNOLOGIES INC COM 76118Y104 0 40 SH   SOLE   0 0 40
S&P GLOBAL INC COM 78409V104 4 11 SH   SOLE   0 0 11
TORO CO COM 891092108 2 24 SH   SOLE   0 0 24