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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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 37 1,015 SH   SOLE   0 0 1,015
SPDR S&P 500 ETF TR TR UNIT 78462F103 233 623 SH   SOLE   0 0 623
SPDR INDEX SHS FDS DJ INTL RL ETF 78463X863 28 827 SH   SOLE   0 0 827
SPDR SER TR PORTFLI TIPS ETF 78464A656 79 2,531 SH   SOLE   0 0 2,531
SNAP INC CL A 83304A106 2 33 SH   SOLE   0 0 33
VANGUARD WORLD FD EXTENDED DUR 921910709 44,995 295,435 SH   SOLE   0 0 295,435
VANGUARD BD INDEX FDS LONG TERM BOND 921937793 112,838 1,029,169 SH   SOLE   0 0 1,029,169
AURORA CANNABIS INC COM 05156X884 2 233 SH   SOLE   0 0 233
DISNEY WALT CO COM 254687106 27 150 SH   SOLE   0 0 150
ISHARES SILVER TR ISHARES 46428Q109 7 277 SH   SOLE   0 0 277
KIMBERLY-CLARK CORP COM 494368103 2 17 SH   SOLE   0 0 17
NETAPP INC COM 64110D104 5 68 SH   SOLE   0 0 68
CVS HEALTH CORP COM 126650100 1 21 SH   SOLE   0 0 21
FS KKR CAP CORP II COM 35952V303 21 1,300 SH   SOLE   0 0 1,300
STATE STR CORP COM 857477103 3 45 SH   SOLE   0 0 45
APPLE INC COM 037833100 487 3,672 SH   SOLE   0 0 3,672
SPDR SER TR BLOOMBERG BRCLYS 78468R622 101 925 SH   SOLE   0 0 925
VANGUARD WORLD FDS UTILITIES ETF 92204A876 136,740 996,500 SH   SOLE   0 0 996,500
COUSINS PPTYS INC COM NEW 222795502 5 150 SH   SOLE   0 0 150
LOWES COS INC COM 548661107 3 19 SH   SOLE   0 0 19
TARGET CORP COM 87612E106 6 32 SH   SOLE   0 0 32
INVESCO EXCHANGE TRADED FD T DYNMC LRG VALU 46137V738 50 1,288 SH   SOLE   0 0 1,288
PROCTER AND GAMBLE CO COM 742718109 1,290 9,274 SH   SOLE   0 0 9,274
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 117,585 1,418,391 SH   SOLE   0 0 1,418,391
VANGUARD WORLD FDS INDUSTRIAL ETF 92204A603 174,958 1,029,228 SH   SOLE   0 0 1,029,228
NORFOLK SOUTHN CORP COM 655844108 21 87 SH   SOLE   0 0 87
PUBLIC SVC ENTERPRISE GRP IN COM 744573106 35 607 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 149,542 859,830 SH   SOLE   0 0 859,830
VANGUARD WORLD FDS ENERGY ETF 92204A306 158,896 3,063,948 SH   SOLE   0 0 3,063,948
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 8 199 SH   SOLE   0 0 199
VERISK ANALYTICS INC COM 92345Y106 690 3,322 SH   SOLE   0 0 3,322
VANGUARD WORLD FDS CONSUM DIS ETF 92204A108 190,006 690,479 SH   SOLE   0 0 690,479
VANGUARD WORLD FDS FINANCIALS ETF 92204A405 171,239 2,350,571 SH   SOLE   0 0 2,350,571
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 29 125 SH   SOLE   0 0 125
DTE ENERGY CO COM 233331107 32 260 SH   SOLE   0 0 260
ISHARES TR PFD AND INCM SEC 464288687 0 2 SH   SOLE   0 0 2
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 144,810 1,705,046 SH   SOLE   0 0 1,705,046
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
INVESCO EXCHANGE TRADED FD T GBL LISTED PVT 46137V589 13,658 1,013,203 SH   SOLE   0 0 1,013,203
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504 161,348 721,172 SH   SOLE   0 0 721,172
HOME DEPOT INC COM 437076102 135 510 SH   SOLE   0 0 510
INVESCO EXCHANGE TRADED FD T DYNMC LRG GWTH 46137V746 32 470 SH   SOLE   0 0 470
VANGUARD WORLD FDS MATERIALS ETF 92204A801 173,927 1,108,030 SH   SOLE   0 0 1,108,030
HUMANA INC COM 444859102 2 6 SH   SOLE   0 0 6
ISHARES TR IBOXX HI YD ETF 464288513 22 247 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 35 727 SH   SOLE   0 0 727
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 47,512 929,790 SH   SOLE   0 0 929,790
INTERNATIONAL BUSINESS MACHS COM 459200101 91 726 SH   SOLE   0 0 726
LOCKHEED MARTIN CORP COM 539830109 2 6 SH   SOLE   0 0 6
MCCORMICK & CO INC COM VTG 579780107 30 318 SH   SOLE   0 0 318
UNITEDHEALTH GROUP INC COM 91324P102 3 8 SH   SOLE   0 0 8
INVESCO DB COMMDY INDX TRCK UNIT 46138B103 12,565 854,753 SH   SOLE   0 0 854,753
INVESCO DB G10 CURRENCY HARV UNIT 46139B102 60 2,484 SH   SOLE   0 0 2,484
SPDR SER TR PORTFOLIO AGRGTE 78464A649 151 4,894 SH   SOLE   0 0 4,894
VANGUARD WORLD FDS INF TECH ETF 92204A702 183,310 518,131 SH   SOLE   0 0 518,131
VANGUARD WORLD FDS COMM SRVC ETF 92204A884 180,532 1,501,933 SH   SOLE   0 0 1,501,933
PRIMERICA INC COM 74164M108 3 21 SH   SOLE   0 0 21
UGI CORP NEW COM 902681105 3 78 SH   SOLE   0 0 78
SPDR SER TR BLOMBERG INTL TR 78464A516 82 2,627 SH   SOLE   0 0 2,627
HANESBRANDS INC COM 410345102 2 119 SH   SOLE   0 0 119
SPDR SER TR DJ REIT ETF 78464A607 33 384 SH   SOLE   0 0 384
EMERSON ELEC CO COM 291011104 2 31 SH   SOLE   0 0 31
HONEYWELL INTL INC COM 438516106 51 240 SH   SOLE   0 0 240
PRUDENTIAL BANCORP INC NEW COM 74431A101 72 5,189 SH   SOLE   0 0 5,189
INVESCO EXCHANGE TRADED FD T S&P MDCP MOMNTUM 46137V464 48 616 SH   SOLE   0 0 616
INVESCO EXCHANGE TRADED FD T S&P SMCP VLU MNT 46137V480 56 1,605 SH   SOLE   0 0 1,605
VANGUARD BD INDEX FDS INTERMED TERM 921937819 118,296 1,274,051 SH   SOLE   0 0 1,274,051
AFLAC INC COM 001055102 7 150 SH   SOLE   0 0 150
LUMEN TECHNOLOGIES INC COM 156700106 3 308 SH   SOLE   0 0 308
COCA COLA EUROPEAN PARTNERS SHS G25839104 3 65 SH   SOLE   0 0 65
KELLOGG CO COM 487836108 1 12 SH   SOLE   0 0 12
RESIDEO TECHNOLOGIES INC COM 76118Y104 1 40 SH   SOLE   0 0 40
S&P GLOBAL INC COM 78409V104 4 11 SH   SOLE   0 0 11