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
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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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   32,697,989 526,877 SH   SOLE   526,877 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   13,157,206 161,577 SH   SOLE   161,577 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   12,587,237 255,630 SH   SOLE   255,630 0 0
GREIF INC CL A 397624107   673,238 9,750 SH   SOLE   9,750 0 0
NORTHERN LTS FD TR IV INSPIRE 100 ETF 66538H534   3,154,066 81,061 SH   SOLE   81,061 0 0
BLACKROCK ETF TRUST II FLEXIBLE INCOME 092528603   460,113 8,771 SH   SOLE   8,771 0 0
ISHARES TR CORE DIV GRWTH 46434V621   872,370 15,025 SH   SOLE   15,025 0 0
ISHARES TR CORE S&P TTL STK 464287150   10,385,156 90,071 SH   SOLE   90,071 0 0
ISHARES TR RUS MD CP GR ETF 464287481   870,511 7,627 SH   SOLE   7,627 0 0
ISHARES TR S&P 500 GRWT ETF 464287309   2,216,331 26,247 SH   SOLE   26,247 0 0
PACER FDS TR PACER US SMALL 69374H857   12,234,263 248,866 SH   SOLE   248,866 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   4,194,838 8,020 SH   SOLE   8,020 0 0
VANGUARD INDEX FDS LARGE CAP ETF 922908637   3,147,829 13,129 SH   SOLE   13,129 0 0
FIRST TR EXCHANGE-TRADED FD FST LOW OPPT EFT 33739Q200   980,857 20,329 SH   SOLE   20,329 0 0
ISHARES TR CORE S&P500 ETF 464287200   2,016,108 3,835 SH   SOLE   3,835 0 0
ISHARES TR EAFE GRWTH ETF 464288885   349,657 3,369 SH   SOLE   3,369 0 0
ISHARES TR EAFE VALUE ETF 464288877   872,717 16,043 SH   SOLE   16,043 0 0
ISHARES INC MSCI EMRG CHN 46434G764   429,752 7,465 SH   SOLE   7,465 0 0
ISHARES TR RUSSELL 3000 ETF 464287689   3,044,652 10,146 SH   SOLE   10,146 0 0
ISHARES TR US INFRASTRUC 46435U713   449,423 10,365 SH   SOLE   10,365 0 0
ISHARES TR U.S. TECH ETF 464287721   348,982 2,584 SH   SOLE   2,584 0 0
ISHARES TR CMBS ETF 46429B366   322,541 6,848 SH   SOLE   6,848 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   1,863,890 47,768 SH   SOLE   47,768 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   348,450 7,575 SH   SOLE   7,575 0 0
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   788,782 16,035 SH   SOLE   16,035 0 0
FRANKLIN TEMPLETON ETF TR US MID CP MLTFCT 35473P884   6,880,001 128,694 SH   SOLE   128,694 0 0
COLUMBIA ETF TR I MULTI SEC MUNI 19761L607   7,354,922 355,998 SH   SOLE   355,998 0 0
FIRST TR EXCH TRADED FD III MANAGD MUN ETF 33739N108   1,826,543 35,564 SH   SOLE   35,564 0 0
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354   1,143,239 17,356 SH   SOLE   17,356 0 0
SPDR SER TR NUVEEN BLMBRG SH 78468R739   4,130,835 87,075 SH   SOLE   87,075 0 0
VANGUARD SCOTTSDALE FDS TOTAL WLD BD ETF 92206C565   5,298,864 77,232 SH   SOLE   77,232 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   1,730,748 34,205 SH   SOLE   34,205 0 0
FIRST TR EXCHANGE-TRADED FD CAP STRENGTH ETF 33733E104   3,085,011 36,019 SH   SOLE   36,019 0 0
FIRST TR EXCHANGE-TRADED ALP SML CP GRW ALP 33737M300   3,008,115 45,789 SH   SOLE   45,789 0 0
ISHARES TR CORE TOTAL USD 46434V613   3,580,947 78,547 SH   SOLE   78,547 0 0
AMERICAN CENTY ETF TR US QUALITY GROW 025072307   8,518,798 100,292 SH   SOLE   100,292 0 0
PACER FDS TR US CASH COWS 100 69374H881   11,979,073 206,145 SH   SOLE   206,145 0 0
ISHARES TR CORE US AGGBD ET 464287226   204,621 2,089 SH   SOLE   2,089 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629   2,611,396 10,451 SH   SOLE   10,451 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751   1,309,103 5,727 SH   SOLE   5,727 0 0
ISHARES TR S&P MC 400GR ETF 464287606   229,464 2,515 SH   SOLE   2,515 0 0
TIMOTHY PLAN HIG DV STK ETF 887432326   1,922,374 53,148 SH   SOLE   53,148 0 0
SPDR SER TR PORTFOLIO S&P600 78468R853   557,524 12,954 SH   SOLE   12,954 0 0
FIRST TR EXCH TRADED FD III RIVRFRNT DYN DEV 33739P608   1,322,429 20,576 SH   SOLE   20,576 0 0
ISHARES TR CORE S&P MCP ETF 464287507   1,709,432 28,143 SH   SOLE   28,143 0 0
FIRST TR EXCH TRADED FD III HORIZON MNGD ETF 33739P871   331,921 11,340 SH   SOLE   11,340 0 0
SPDR GOLD TR GOLD SHS 78463V107   243,984 1,186 SH   SOLE   1,186 0 0
INVESCO EXCH TRADED FD TR II S&P MIDCP LOW 46138E198   1,092,414 19,369 SH   SOLE   19,369 0 0
FIRST TR EXCHNG TRADED FD VI TCW OPPORTUNIS 33740F805   389,599 8,936 SH   SOLE   8,936 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   398,983 4,303 SH   SOLE   4,303 0 0
ISHARES TR CORE S&P SCP ETF 464287804   864,745 7,824 SH   SOLE   7,824 0 0
INVESTMENT MANAGERS SER TR I AXS CHANGE FINAN 46144X107   358,250 9,766 SH   SOLE   9,766 0 0
NUSHARES ETF TR NUVEEN ESG INTL 67092P805   312,618 10,062 SH   SOLE   10,062 0 0
BWX TECHNOLOGIES INC COM 05605H100   269,070 2,622 SH   SOLE   2,622 0 0
APPLE INC COM 037833100   419,254 2,445 SH   SOLE   2,445 0 0
EXXON MOBIL CORP COM 30231G102   446,046 3,837 SH   SOLE   3,837 0 0
CSX CORP COM 126408103   241,622 6,518 SH   SOLE   6,518 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736   301,582 876 SH   SOLE   876 0 0
UNITED PARCEL SERVICE INC CL B 911312106   1,439,927 9,688 SH   SOLE   9,688 0 0