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
ABBOTT LABS COM 002824100 306 2,815 SH   SOLE 0 0 0 2,815
ALPHABET INC CAP STK CL A 02079K305 305 140 SH   SOLE 0 0 0 140
ALPHABET INC CAP STK CL C 02079K107 245 112 SH   SOLE 0 0 0 112
AMAZON COM INC COM 023135106 444 4,180 SH   SOLE 0 0 0 4,180
AMERICAN EXPRESS CO COM 025816109 247 1,782 SH   SOLE 0 0 0 1,782
AMGEN INC COM 031162100 207 849 SH   SOLE 0 0 0 849
APPLE INC COM 037833100 1,193 8,725 SH   SOLE 0 0 0 8,725
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 283 1,038 SH   SOLE 0 0 0 1,038
BLACKROCK INC COM 09247X101 250 410 SH   SOLE 0 0 0 410
BRISTOL-MYERS SQUIBB CO COM 110122108 277 3,601 SH   SOLE 0 0 0 3,601
CISCO SYS INC COM 17275R102 232 5,433 SH   SOLE 0 0 0 5,433
COCA COLA CO COM 191216100 250 3,981 SH   SOLE 0 0 0 3,981
COLGATE PALMOLIVE CO COM 194162103 219 2,732 SH   SOLE 0 0 0 2,732
COMCAST CORP NEW CL A 20030N101 243 6,191 SH   SOLE 0 0 0 6,191
DBX ETF TR XTRACKERS S&P 233051143 3,166 92,722 SH   SOLE 0 0 0 92,722
DISNEY WALT CO COM 254687106 211 2,238 SH   SOLE 0 0 0 2,238
DUKE ENERGY CORP NEW COM NEW 26441C204 264 2,463 SH   SOLE 0 0 0 2,463
EXXON MOBIL CORP COM 30231G102 440 5,132 SH   SOLE 0 0 0 5,132
FIRST TR VALUE LINE DIVID IN SHS 33734H106 509 13,107 SH   SOLE 0 0 0 13,107
FORD MTR CO DEL COM 345370860 138 12,405 SH   SOLE 0 0 0 12,405
INTERNATIONAL BUSINESS MACHS COM 459200101 244 1,725 SH   SOLE 0 0 0 1,725
INTERNATIONAL FLAVORS&FRAGRA COM 459506101 220 1,850 SH   SOLE 0 0 0 1,850
INVESCO EXCH TRD SLF IDX FD BULSHS 2024 CB 46138J841 1,650 79,553 SH   SOLE 0 0 0 79,553
INVESCO EXCH TRD SLF IDX FD BULSHS 2025 CB 46138J825 1,723 84,286 SH   SOLE 0 0 0 84,286
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 6,562 48,889 SH   SOLE 0 0 0 48,889
INVESCO QQQ TR UNIT SER 1 46090E103 6,361 22,694 SH   SOLE 0 0 0 22,694
ISHARES INC MSCI JPN ETF NEW 46434G822 1,863 35,259 SH   SOLE 0 0 0 35,259
ISHARES INC CORE MSCI EMKT 46434G103 796 16,233 SH   SOLE 0 0 0 16,233
ISHARES TR CORE MSCI EAFE 46432F842 2,282 38,770 SH   SOLE 0 0 0 38,770
ISHARES TR MSCI USA MIN VOL 46429B697 5,233 74,532 SH   SOLE 0 0 0 74,532
ISHARES TR MSCI EAFE MIN VL 46429B689 243 3,839 SH   SOLE 0 0 0 3,839
ISHARES TR MSCI ACWI EX US 464288240 414 9,193 SH   SOLE 0 0 0 9,193
ISHARES TR SHRT NAT MUN ETF 464288158 509 4,865 SH   SOLE 0 0 0 4,865
ISHARES TR MSCI USA QLT FCT 46432F339 3,228 28,888 SH   SOLE 0 0 0 28,888
ISHARES TR IBONDS DEC23 ETF 46434VAX8 432 17,200 SH   SOLE 0 0 0 17,200
ISHARES TR IBONDS DEC22 ETF 46434VBA7 393 15,700 SH   SOLE 0 0 0 15,700
ISHARES TR IBONDS DEC24 ETF 46434VBG4 228 9,200 SH   SOLE 0 0 0 9,200
ISHARES TR IBONDS DEC 46435U697 249 9,565 SH   SOLE 0 0 0 9,565
ISHARES TR IBONDS DEC 25 46435U432 248 9,295 SH   SOLE 0 0 0 9,295
ISHARES TR IBONDS 23 TRM HG 46435U150 374 16,000 SH   SOLE 0 0 0 16,000
ISHARES TR IBONDS 22 TRM HG 46435U176 365 15,200 SH   SOLE 0 0 0 15,200
ISHARES TR CORE S&P MCP ETF 464287507 5,446 24,074 SH   SOLE 0 0 0 24,074
ISHARES TR CORE S&P SCP ETF 464287804 5,411 58,558 SH   SOLE 0 0 0 58,558
ISHARES TR S&P 500 VAL ETF 464287408 652 4,740 SH   SOLE 0 0 0 4,740
ISHARES TR CORE S&P500 ETF 464287200 14,473 38,173 SH   SOLE 0 0 0 38,173
ISHARES TR S&P 500 GRWT ETF 464287309 721 11,951 SH   SOLE 0 0 0 11,951
ISHARES TR RUSSELL 2000 ETF 464287655 384 2,265 SH   SOLE 0 0 0 2,265
ISHARES TR MSCI EAFE ETF 464287465 3,516 56,267 SH   SOLE 0 0 0 56,267
ISHARES TR SELECT DIVID ETF 464287168 4,741 40,291 SH   SOLE 0 0 0 40,291
ISHARES TR ISHS 1-5YR INVS 464288646 1,541 30,488 SH   SOLE 0 0 0 30,488
ISHARES TR MBS ETF 464288588 1,153 11,831 SH   SOLE 0 0 0 11,831
ISHARES TR INTL SEL DIV ETF 464288448 3,089 113,743 SH   SOLE 0 0 0 113,743
ISHARES TR NATIONAL MUN ETF 464288414 1,009 9,485 SH   SOLE 0 0 0 9,485
ISHARES TR JPMORGAN USD EMG 464288281 509 5,968 SH   SOLE 0 0 0 5,968
ISHARES TR ISHS 5-10YR INVT 464288638 1,153 22,579 SH   SOLE 0 0 0 22,579
ISHARES TR INTRM GOV CR ETF 464288612 280 2,650 SH   SOLE 0 0 0 2,650
ISHARES TR MSCI EMG MKT ETF 464287234 1,527 38,072 SH   SOLE 0 0 0 38,072
ISHARES TR CORE US AGGBD ET 464287226 4,043 39,764 SH   SOLE 0 0 0 39,764
ISHARES TR 7-10 YR TRSY BD 464287440 2,158 21,099 SH   SOLE 0 0 0 21,099
ISHARES TR IBOXX INV CP ETF 464287242 1,150 10,453 SH   SOLE 0 0 0 10,453
JANUS DETROIT STR TR HENDERSON MTG 47103U852 1,216 25,356 SH   SOLE 0 0 0 25,356
JOHNSON & JOHNSON COM 478160104 295 1,660 SH   SOLE 0 0 0 1,660
LOWES COS INC COM 548661107 280 1,602 SH   SOLE 0 0 0 1,602
MICROSOFT CORP COM 594918104 627 2,440 SH   SOLE 0 0 0 2,440
ORACLE CORP COM 68389X105 247 3,530 SH   SOLE 0 0 0 3,530
PROCTER AND GAMBLE CO COM 742718109 222 1,543 SH   SOLE 0 0 0 1,543
PROLOGIS INC. COM 74340W103 244 2,075 SH   SOLE 0 0 0 2,075
RAYTHEON TECHNOLOGIES CORP COM 75513E101 283 2,949 SH   SOLE 0 0 0 2,949
ROYAL BK CDA COM 780087102 446 4,611 SH   SOLE 0 0 0 4,611
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 380 8,592 SH   SOLE 0 0 0 8,592
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 249 5,573 SH   SOLE 0 0 0 5,573
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 4,634 79,907 SH   SOLE 0 0 0 79,907
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 8,922 142,934 SH   SOLE 0 0 0 142,934
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 46,496 945,226 SH   SOLE 0 0 0 945,226
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 519 8,276 SH   SOLE 0 0 0 8,276
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852 347 6,400 SH   SOLE 0 0 0 6,400
SELECT SECTOR SPDR TR ENERGY 81369Y506 1,586 22,184 SH   SOLE 0 0 0 22,184
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704 365 4,184 SH   SOLE 0 0 0 4,184
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 840 6,605 SH   SOLE 0 0 0 6,605
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308 346 4,800 SH   SOLE 0 0 0 4,800
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 372 2,900 SH   SOLE 0 0 0 2,900
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 709 5,154 SH   SOLE 0 0 0 5,154
SOUTHERN CO COM 842587107 244 3,417 SH   SOLE 0 0 0 3,417
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 3,248 93,401 SH   SOLE 0 0 0 93,401
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 4,465 154,817 SH   SOLE 0 0 0 154,817
SPDR S&P 500 ETF TR TR UNIT 78462F103 418 1,108 SH   SOLE 0 0 0 1,108
SPDR SER TR PORTFOLI S&P1500 78464A805 1,431 30,786 SH   SOLE 0 0 0 30,786
SPDR SER TR BLOOMBERG 1-3 MO 78468R663 3,830 41,866 SH   SOLE 0 0 0 41,866
SPDR SER TR PRTFLO S&P500 VL 78464A508 239 6,499 SH   SOLE 0 0 0 6,499
SPDR SER TR PORTFOLIO AGRGTE 78464A649 2,452 93,054 SH   SOLE 0 0 0 93,054
SPDR SER TR PORTFOLIO LN TSR 78464A664 1,173 35,485 SH   SOLE 0 0 0 35,485
SPDR SER TR PORTFOLIO SHORT 78464A474 3,743 125,908 SH   SOLE 0 0 0 125,908
SPDR SER TR BLOOMBERG SHT TE 78468R408 715 29,650 SH   SOLE 0 0 0 29,650
SPDR SER TR SPDR S&P 500 ETF 78468R796 632 6,849 SH   SOLE 0 0 0 6,849
SPDR SER TR PORTFOLIO S&P600 78468R853 601 16,704 SH   SOLE 0 0 0 16,704
STRYKER CORPORATION COM 863667101 248 1,247 SH   SOLE 0 0 0 1,247
SYSCO CORP COM 871829107 532 6,277 SH   SOLE 0 0 0 6,277
TJX COS INC NEW COM 872540109 246 4,400 SH   SOLE 0 0 0 4,400
UNITEDHEALTH GROUP INC COM 91324P102 423 823 SH   SOLE 0 0 0 823
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 365 8,773 SH   SOLE 0 0 0 8,773
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 373 7,470 SH   SOLE 0 0 0 7,470
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 533 10,635 SH   SOLE 0 0 0 10,635
VANGUARD TAX-MANAGED INTL FD VAN FTSE DEV MKT 921943858 733 17,973 SH   SOLE 0 0 0 17,973
VANGUARD WORLD FD MEGA CAP VAL ETF 921910840 245 2,550 SH   SOLE 0 0 0 2,550
VISA INC COM CL A 92826C839 285 1,450 SH   SOLE 0 0 0 1,450
WISDOMTREE TR US QTLY DIV GRT 97717X669 3,636 63,453 SH   SOLE 0 0 0 63,453
WISDOMTREE TR YIELD ENHANCD US 97717X511 3,561 79,638 SH   SOLE 0 0 0 79,638