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 268 2,765 SH   SOLE 0 0 0 2,765
ALPHABET INC CAP STK CL A 02079K305 321 3,360 SH   SOLE 0 0 0 3,360
ALPHABET INC CAP STK CL C 02079K107 246 2,560 SH   SOLE 0 0 0 2,560
AMAZON COM INC COM 023135106 773 6,840 SH   SOLE 0 0 0 6,840
AMERICAN EXPRESS CO COM 025816109 240 1,782 SH   SOLE 0 0 0 1,782
APPLE INC COM 037833100 1,477 10,689 SH   SOLE 0 0 0 10,689
BERKSHIRE HATHAWAY INC DEL CL A 084670108 406 1 SH   SOLE 0 0 0 1
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 284 1,063 SH   SOLE 0 0 0 1,063
BLACKROCK INC COM 09247X101 289 525 SH   SOLE 0 0 0 525
BRISTOL-MYERS SQUIBB CO COM 110122108 245 3,440 SH   SOLE 0 0 0 3,440
BROADCOM INC COM 11135F101 231 521 SH   SOLE 0 0 0 521
CISCO SYS INC COM 17275R102 244 6,110 SH   SOLE 0 0 0 6,110
COCA COLA CO COM 191216100 221 3,940 SH   SOLE 0 0 0 3,940
COMCAST CORP NEW CL A 20030N101 204 6,943 SH   SOLE 0 0 0 6,943
DBX ETF TR XTRACKERS S&P 233051143 2,933 91,417 SH   SOLE 0 0 0 91,417
DISNEY WALT CO COM 254687106 289 3,063 SH   SOLE 0 0 0 3,063
DUKE ENERGY CORP NEW COM NEW 26441C204 229 2,463 SH   SOLE 0 0 0 2,463
EXXON MOBIL CORP COM 30231G102 564 6,465 SH   SOLE 0 0 0 6,465
FIRST TR VALUE LINE DIVID IN SHS 33734H106 392 10,956 SH   SOLE 0 0 0 10,956
HARTFORD FDS EXCHANGE TRADED TOTAL RTRN ETF 41653L305 887 27,340 SH   SOLE 0 0 0 27,340
INTERNATIONAL BUSINESS MACHS COM 459200101 212 1,787 SH   SOLE 0 0 0 1,787
INVESCO EXCH TRD SLF IDX FD BULSHS 2025 CB 46138J825 1,910 95,765 SH   SOLE 0 0 0 95,765
INVESCO EXCH TRD SLF IDX FD BULSHS 2024 CB 46138J841 1,864 91,419 SH   SOLE 0 0 0 91,419
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 2,423 19,035 SH   SOLE 0 0 0 19,035
INVESCO QQQ TR UNIT SER 1 46090E103 4,968 18,589 SH   SOLE 0 0 0 18,589
ISHARES INC MSCI JPN ETF NEW 46434G822 1,792 36,685 SH   SOLE 0 0 0 36,685
ISHARES INC CORE MSCI EMKT 46434G103 572 13,299 SH   SOLE 0 0 0 13,299
ISHARES TR CORE MSCI EAFE 46432F842 1,812 34,405 SH   SOLE 0 0 0 34,405
ISHARES TR SHRT NAT MUN ETF 464288158 481 4,690 SH   SOLE 0 0 0 4,690
ISHARES TR MSCI ACWI EX US 464288240 2,755 68,863 SH   SOLE 0 0 0 68,863
ISHARES TR IBONDS DEC23 ETF 46434VAX8 429 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 224 9,200 SH   SOLE 0 0 0 9,200
ISHARES TR MSCI USA MIN VOL 46429B697 2,620 39,637 SH   SOLE 0 0 0 39,637
ISHARES TR MSCI USA QLT FCT 46432F339 4,143 39,863 SH   SOLE 0 0 0 39,863
ISHARES TR CORE DIV GRWTH 46434V621 2,511 56,466 SH   SOLE 0 0 0 56,466
ISHARES TR IBONDS DEC 46435U697 239 9,370 SH   SOLE 0 0 0 9,370
ISHARES TR IBONDS DEC 25 46435U432 237 9,145 SH   SOLE 0 0 0 9,145
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 5,527 25,209 SH   SOLE 0 0 0 25,209
ISHARES TR CORE S&P SCP ETF 464287804 4,927 56,514 SH   SOLE 0 0 0 56,514
ISHARES TR S&P 500 VAL ETF 464287408 605 4,706 SH   SOLE 0 0 0 4,706
ISHARES TR CORE S&P500 ETF 464287200 12,199 34,015 SH   SOLE 0 0 0 34,015
ISHARES TR S&P 500 GRWT ETF 464287309 687 11,884 SH   SOLE 0 0 0 11,884
ISHARES TR RUSSELL 2000 ETF 464287655 328 1,990 SH   SOLE 0 0 0 1,990
ISHARES TR MSCI EAFE ETF 464287465 3,654 65,236 SH   SOLE 0 0 0 65,236
ISHARES TR ISHS 1-5YR INVS 464288646 1,608 32,635 SH   SOLE 0 0 0 32,635
ISHARES TR SELECT DIVID ETF 464287168 1,556 14,511 SH   SOLE 0 0 0 14,511
ISHARES TR MBS ETF 464288588 1,172 12,793 SH   SOLE 0 0 0 12,793
ISHARES TR INTL SEL DIV ETF 464288448 2,034 90,285 SH   SOLE 0 0 0 90,285
ISHARES TR NATIONAL MUN ETF 464288414 928 9,050 SH   SOLE 0 0 0 9,050
ISHARES TR JPMORGAN USD EMG 464288281 453 5,699 SH   SOLE 0 0 0 5,699
ISHARES TR ISHS 5-10YR INVT 464288638 1,154 23,902 SH   SOLE 0 0 0 23,902
ISHARES TR INTRM GOV CR ETF 464288612 664 6,525 SH   SOLE 0 0 0 6,525
ISHARES TR 7-10 YR TRSY BD 464287440 1,653 17,219 SH   SOLE 0 0 0 17,219
ISHARES TR IBOXX INV CP ETF 464287242 1,859 18,147 SH   SOLE 0 0 0 18,147
ISHARES TR CORE US AGGBD ET 464287226 5,227 54,254 SH   SOLE 0 0 0 54,254
ISHARES TR MSCI EMG MKT ETF 464287234 1,534 43,973 SH   SOLE 0 0 0 43,973
JANUS DETROIT STR TR HENDERSON MTG 47103U852 1,018 22,617 SH   SOLE 0 0 0 22,617
JOHNSON & JOHNSON COM 478160104 288 1,760 SH   SOLE 0 0 0 1,760
LOWES COS INC COM 548661107 329 1,752 SH   SOLE 0 0 0 1,752
MERCK & CO INC COM 58933Y105 231 2,687 SH   SOLE 0 0 0 2,687
METLIFE INC COM 59156R108 279 4,589 SH   SOLE 0 0 0 4,589
MICROSOFT CORP COM 594918104 938 4,029 SH   SOLE 0 0 0 4,029
ORACLE CORP COM 68389X105 216 3,530 SH   SOLE 0 0 0 3,530
PROCTER AND GAMBLE CO COM 742718109 245 1,943 SH   SOLE 0 0 0 1,943
PROLOGIS INC. COM 74340W103 284 2,800 SH   SOLE 0 0 0 2,800
RAYTHEON TECHNOLOGIES CORP COM 75513E101 229 2,803 SH   SOLE 0 0 0 2,803
ROYAL BK CDA COM 780087102 1,830 20,321 SH   SOLE 0 0 0 20,321
SCHWAB CHARLES CORP COM 808513105 209 2,909 SH   SOLE 0 0 0 2,909
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 312 7,438 SH   SOLE 0 0 0 7,438
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 236 5,573 SH   SOLE 0 0 0 5,573
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 3,098 55,515 SH   SOLE 0 0 0 55,515
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 2,827 48,311 SH   SOLE 0 0 0 48,311
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 52,247 1,082,614 SH   SOLE 0 0 0 1,082,614
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 424 7,009 SH   SOLE 0 0 0 7,009
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852 349 7,290 SH   SOLE 0 0 0 7,290
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886 206 3,150 SH   SOLE 0 0 0 3,150
SELECT SECTOR SPDR TR ENERGY 81369Y506 1,533 21,281 SH   SOLE 0 0 0 21,281
SELECT SECTOR SPDR TR FINANCIAL 81369Y605 212 6,975 SH   SOLE 0 0 0 6,975
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704 414 4,999 SH   SOLE 0 0 0 4,999
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 902 7,595 SH   SOLE 0 0 0 7,595
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308 362 5,425 SH   SOLE 0 0 0 5,425
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 274 2,265 SH   SOLE 0 0 0 2,265
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 848 5,954 SH   SOLE 0 0 0 5,954
SOUTHERN CO COM 842587107 232 3,417 SH   SOLE 0 0 0 3,417
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 2,219 71,488 SH   SOLE 0 0 0 71,488
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 2,492 96,588 SH   SOLE 0 0 0 96,588
SPDR S&P 500 ETF TR TR UNIT 78462F103 299 838 SH   SOLE 0 0 0 838
SPDR SER TR PRTFLO S&P500 GW 78464A409 2,250 44,901 SH   SOLE 0 0 0 44,901
SPDR SER TR PORTFOLI S&P1500 78464A805 8,184 185,539 SH   SOLE 0 0 0 185,539
SPDR SER TR BLOOMBERG 1-3 MO 78468R663 1,648 17,993 SH   SOLE 0 0 0 17,993
SPDR SER TR PRTFLO S&P500 VL 78464A508 224 6,499 SH   SOLE 0 0 0 6,499
SPDR SER TR PORTFOLIO AGRGTE 78464A649 994 39,841 SH   SOLE 0 0 0 39,841
SPDR SER TR PORTFOLIO LN TSR 78464A664 1,256 42,373 SH   SOLE 0 0 0 42,373
SPDR SER TR PORTFOLIO S&P500 78464A854 2,545 60,615 SH   SOLE 0 0 0 60,615
SPDR SER TR PORTFOLIO SHORT 78464A474 3,240 110,879 SH   SOLE 0 0 0 110,879
SPDR SER TR PORTFOLIO S&P600 78468R853 621 18,221 SH   SOLE 0 0 0 18,221
SPDR SER TR BLOOMBERG SHT TE 78468R408 737 30,994 SH   SOLE 0 0 0 30,994
SPDR SER TR SPDR S&P 500 ETF 78468R796 597 6,849 SH   SOLE 0 0 0 6,849
STRYKER CORPORATION COM 863667101 253 1,247 SH   SOLE 0 0 0 1,247
SYSCO CORP COM 871829107 442 6,244 SH   SOLE 0 0 0 6,244
THERMO FISHER SCIENTIFIC INC COM 883556102 321 632 SH   SOLE 0 0 0 632
TJX COS INC NEW COM 872540109 326 5,250 SH   SOLE 0 0 0 5,250
UNITEDHEALTH GROUP INC COM 91324P102 423 838 SH   SOLE 0 0 0 838
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 320 8,773 SH   SOLE 0 0 0 8,773
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 331 7,470 SH   SOLE 0 0 0 7,470
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 505 10,491 SH   SOLE 0 0 0 10,491
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 653 17,973 SH   SOLE 0 0 0 17,973
VANGUARD WORLD FD MEGA CAP VAL ETF 921910840 216 2,400 SH   SOLE 0 0 0 2,400
VISA INC COM CL A 92826C839 308 1,736 SH   SOLE 0 0 0 1,736
WISDOMTREE TR US QTLY DIV GRT 97717X669 2,689 49,872 SH   SOLE 0 0 0 49,872
WISDOMTREE TR YIELD ENHANCD US 97717X511 2,625 62,175 SH   SOLE 0 0 0 62,175