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
SPDR S&P 500 ETF TR TR UNIT 78462F103 16,920 35,623 SH   SOLE   0 0 35,623
INVESCO QQQ TR UNIT SER 1 46090E103 16,312 41,000 SH   SOLE   0 0 41,000
HONEYWELL INTL INC COM 438516106 50 240 SH   SOLE   0 0 240
SPDR SER TR DJ REIT ETF 78464A607 44 359 SH   SOLE   0 0 359
EXXON MOBIL CORP COM 30231G102 12 199 SH   SOLE   0 0 199
AFLAC INC COM 001055102 9 150 SH   SOLE   0 0 150
PROCTER AND GAMBLE CO COM 742718109 1,511 9,237 SH   SOLE   0 0 9,237
HOME DEPOT INC COM 437076102 187 450 SH   SOLE   0 0 450
NORFOLK SOUTHN CORP COM 655844108 7 23 SH   SOLE   0 0 23
APPLE INC COM 037833100 626 3,528 SH   SOLE   0 0 3,528
VANGUARD WORLD FDS CONSUM STP ETF 92204A207 207,027 1,035,754 SH   SOLE   0 0 1,035,754
DTE ENERGY CO COM 233331107 31 260 SH   SOLE   0 0 260
PUBLIC SVC ENTERPRISE GRP IN COM 744573106 41 607 SH   SOLE   0 0 607
CINTAS CORP COM 172908105 66 150 SH   SOLE   0 0 150
COUSINS PPTYS INC COM NEW 222795502 6 150 SH   SOLE   0 0 150
VANGUARD WORLD FDS ENERGY ETF 92204A306 245,789 3,166,975 SH   SOLE   0 0 3,166,975
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504 219,813 825,062 SH   SOLE   0 0 825,062
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 236,388 2,037,655 SH   SOLE   0 0 2,037,655
VANGUARD WORLD FDS MATERIALS ETF 92204A801 237,820 1,207,943 SH   SOLE   0 0 1,207,943
VANGUARD INDEX FDS GROWTH ETF 922908736 64 200 SH   SOLE   0 0 200
NUVEEN AMT FREE MUN CR INC F COM 67071L106 897 50,000 SH   SOLE   0 0 50,000
NUVEEN MUN VALUE FD INC COM 670928100 830 80,000 SH   SOLE   0 0 80,000
VANGUARD WORLD FDS FINANCIALS ETF 92204A405 237,158 2,455,819 SH   SOLE   0 0 2,455,819
VANGUARD WORLD FDS UTILITIES ETF 92204A876 194,993 1,246,757 SH   SOLE   0 0 1,246,757
INVESCO EXCHANGE TRADED FD T S&P MDCP VLU MNT 46137V456 46 933 SH   SOLE   0 0 933
VANGUARD WORLD FDS COMM SRVC ETF 92204A884 171,590 1,265,787 SH   SOLE   0 0 1,265,787
INVESCO DB COMMDY INDX TRCK UNIT 46138B103 17,199 827,676 SH   SOLE   0 0 827,676
VANGUARD WORLD FDS INF TECH ETF 92204A702 243,975 532,499 SH   SOLE   0 0 532,499
ISHARES SILVER TR ISHARES 46428Q109 6 277 SH   SOLE   0 0 277
VANGUARD WORLD FDS CONSUM DIS ETF 92204A108 248,947 730,779 SH   SOLE   0 0 730,779
VANGUARD WORLD FDS INDUSTRIAL ETF 92204A603 229,549 1,131,004 SH   SOLE   0 0 1,131,004
INVESCO EXCHANGE TRADED FD T S&P SMCP VLU MNT 46137V480 78 1,446 SH   SOLE   0 0 1,446
INVESCO EXCHANGE TRADED FD T DYNMC LRG GWTH 46137V746 36 451 SH   SOLE   0 0 451
NUVEEN AMT FREE QLTY MUN INC COM 670657105 1,560 100,000 SH   SOLE   0 0 100,000
INVESCO EXCHANGE TRADED FD T DYNMC LRG VALU 46137V738 58 1,191 SH   SOLE   0 0 1,191
INVESCO EXCHANGE TRADED FD T S&P MDCP MOMNTUM 46137V464 48 525 SH   SOLE   0 0 525
INVESCO EXCHANGE TRADED FD T S&P SMLCP MOMENT 46137V498 26 468 SH   SOLE   0 0 468
MCCORMICK & CO INC COM VTG 579780107 30 318 SH   SOLE   0 0 318
INVESCO EXCHANGE TRADED FD T GBL LISTED PVT 46137V589 16,715 1,081,205 SH   SOLE   0 0 1,081,205
INVESCO DB G10 CURRENCY HARV UNIT 46139B102 15,461 624,552 SH   SOLE   0 0 624,552
SPDR INDEX SHS FDS DJ INTL RL ETF 78463X863 28 800 SH   SOLE   0 0 800
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 150,845 1,866,198 SH   SOLE   0 0 1,866,198
VANGUARD BD INDEX FDS INTERMED TERM 921937819 69,566 793,950 SH   SOLE   0 0 793,950
VANGUARD BD INDEX FDS LONG TERM BOND 921937793 119,276 1,158,919 SH   SOLE   0 0 1,158,919
ISHARES TR PFD AND INCM SEC 464288687 0 2 SH   SOLE   0 0 2
SPDR SER TR BLOMBERG INTL TR 78464A516 53 1,882 SH   SOLE   0 0 1,882
SPDR SER TR PORTFLI TIPS ETF 78464A656 68 2,174 SH   SOLE   0 0 2,174
SPDR SER TR BLOOMBERG BRCLYS 78468R622 58 531 SH   SOLE   0 0 531
PRUDENTIAL BANCORP INC NEW COM 74431A101 70 5,189 SH   SOLE   0 0 5,189
SPDR SER TR PORTFOLIO AGRGTE 78464A649 114 3,834 SH   SOLE   0 0 3,834
VANGUARD WORLD FD EXTENDED DUR 921910709 49,649 354,633 SH   SOLE   0 0 354,633
FS KKR CAP CORP COM 302635206 26 1,234 SH   SOLE   0 0 1,234
VERISK ANALYTICS INC COM 92345Y106 380 1,662 SH   SOLE   0 0 1,662
FIRST TR EXCHANGE TRADED FD NASDQ CLN EDGE 33737A108 513 5,000 SH   SOLE   0 0 5,000
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 1 19 SH   SOLE   0 0 19
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 1 10 SH   SOLE   0 0 10
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 4 23 SH   SOLE   0 0 23
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 50,632 985,062 SH   SOLE   0 0 985,062
AMERICAN FIN TR INC COM CLASS A 02607T109 6 625 SH   SOLE   0 0 625
AURORA CANNABIS INC COM 05156X884 1 233 SH   SOLE   0 0 233
ADVANSIX INC COM 00773T101 0 9 SH   SOLE   0 0 9
SNAP INC CL A 83304A106 1 31 SH   SOLE   0 0 31
GARRETT MOTION INC COM 366505105 0 24 SH   SOLE   0 0 24
ALPS ETF TR CLEAN ENERGY 00162Q460 642 10,000 SH   SOLE   0 0 10,000
RESIDEO TECHNOLOGIES INC COM 76118Y104 1 40 SH   SOLE   0 0 40
GLOBAL X FDS GBL X BLOCKCHAIN 37954Y160 327 15,000 SH   SOLE   0 0 15,000