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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ABBOTT LABS COM 002824100   215,737 1,965 SH   SOLE 0 0 0 1,965
ALPHABET INC CAP STK CL A 02079K305   247,044 2,800 SH   SOLE 0 0 0 2,800
AMAZON COM INC COM 023135106   548,520 6,530 SH   SOLE 0 0 0 6,530
AMGEN INC COM 031162100   217,203 827 SH   SOLE 0 0 0 827
APPLE INC COM 037833100   2,205,355 16,973 SH   SOLE 0 0 0 16,973
BERKSHIRE HATHAWAY INC DEL CL A 084670108   468,711 1 SH   SOLE 0 0 0 1
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   433,387 1,403 SH   SOLE 0 0 0 1,403
BLACKROCK INC COM 09247X101   457,066 645 SH   SOLE 0 0 0 645
BRISTOL-MYERS SQUIBB CO COM 110122108   246,141 3,421 SH   SOLE 0 0 0 3,421
BROADCOM INC COM 11135F101   554,199 991 SH   SOLE 0 0 0 991
CISCO SYS INC COM 17275R102   463,001 9,719 SH   SOLE 0 0 0 9,719
COCA COLA CO COM 191216100   250,623 3,940 SH   SOLE 0 0 0 3,940
COLGATE PALMOLIVE CO COM 194162103   215,254 2,732 SH   SOLE 0 0 0 2,732
COMCAST CORP NEW CL A 20030N101   290,474 8,306 SH   SOLE 0 0 0 8,306
CVS HEALTH CORP COM 126650100   263,821 2,831 SH   SOLE 0 0 0 2,831
DBX ETF TR XTRACK USD HIGH 233051432   881,685 26,155 SH   SOLE 0 0 0 26,155
DBX ETF TR XTRACKERS S&P 233051143   2,665,509 77,127 SH   SOLE 0 0 0 77,127
DISNEY WALT CO COM 254687106   326,495 3,758 SH   SOLE 0 0 0 3,758
DUKE ENERGY CORP NEW COM NEW 26441C204   226,269 2,197 SH   SOLE 0 0 0 2,197
EXXON MOBIL CORP COM 30231G102   663,216 6,013 SH   SOLE 0 0 0 6,013
FIRST TR VALUE LINE DIVID IN SHS 33734H106   422,208 10,579 SH   SOLE 0 0 0 10,579
HARTFORD FDS EXCHANGE TRADED TOTAL RTRN ETF 41653L305   953,865 28,870 SH   SOLE 0 0 0 28,870
INTERNATIONAL BUSINESS MACHS COM 459200101   251,039 1,782 SH   SOLE 0 0 0 1,782
INVESCO EXCH TRD SLF IDX FD BULSHS 2025 CB 46138J825   2,169,521 107,722 SH   SOLE 0 0 0 107,722
INVESCO EXCH TRD SLF IDX FD BULSHS 2024 CB 46138J841   2,106,872 102,849 SH   SOLE 0 0 0 102,849
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   4,541,046 32,149 SH   SOLE 0 0 0 32,149
INVESCO QQQ TR UNIT SER 1 46090E103   2,963,045 11,128 SH   SOLE 0 0 0 11,128
ISHARES INC MSCI JPN ETF NEW 46434G822   2,371,025 43,553 SH   SOLE 0 0 0 43,553
ISHARES INC CORE MSCI EMKT 46434G103   838,218 17,949 SH   SOLE 0 0 0 17,949
ISHARES TR CORE MSCI EAFE 46432F842   2,083,740 33,805 SH   SOLE 0 0 0 33,805
ISHARES TR MSCI USA MIN VOL 46429B697   2,838,793 39,373 SH   SOLE 0 0 0 39,373
ISHARES TR A RATE CP BD ETF 46429B291   1,811,632 39,107 SH   SOLE 0 0 0 39,107
ISHARES TR SHRT NAT MUN ETF 464288158   431,678 4,140 SH   SOLE 0 0 0 4,140
ISHARES TR IBONDS DEC23 ETF 46434VAX8   430,516 17,200 SH   SOLE 0 0 0 17,200
ISHARES TR IBONDS DEC24 ETF 46434VBG4   224,664 9,200 SH   SOLE 0 0 0 9,200
ISHARES TR MSCI USA MMENTM 46432F396   3,124,361 21,410 SH   SOLE 0 0 0 21,410
ISHARES TR MSCI USA QLT FCT 46432F339   4,824,155 42,332 SH   SOLE 0 0 0 42,332
ISHARES TR MSCI ACWI EX US 464288240   459,277 10,094 SH   SOLE 0 0 0 10,094
ISHARES TR MBS ETF 464288588   4,122,738 44,450 SH   SOLE 0 0 0 44,450
ISHARES TR INTL SEL DIV ETF 464288448   2,961,255 109,030 SH   SOLE 0 0 0 109,030
ISHARES TR NATIONAL MUN ETF 464288414   793,510 7,520 SH   SOLE 0 0 0 7,520
ISHARES TR GOV/CRED BD ETF 464288596   1,207,499 11,769 SH   SOLE 0 0 0 11,769
ISHARES TR JPMORGAN USD EMG 464288281   765,117 9,045 SH   SOLE 0 0 0 9,045
ISHARES TR ISHS 5-10YR INVT 464288638   387,416 7,825 SH   SOLE 0 0 0 7,825
ISHARES TR INTRM GOV CR ETF 464288612   296,622 2,895 SH   SOLE 0 0 0 2,895
ISHARES TR CORE DIV GRWTH 46434V621   3,252,200 65,044 SH   SOLE 0 0 0 65,044
ISHARES TR IBONDS DEC 46435U697   271,534 10,545 SH   SOLE 0 0 0 10,545
ISHARES TR IBONDS DEC 25 46435U432   271,479 10,295 SH   SOLE 0 0 0 10,295
ISHARES TR IBONDS 23 TRM HG 46435U150   375,520 16,000 SH   SOLE 0 0 0 16,000
ISHARES TR CORE S&P MCP ETF 464287507   7,042,627 29,115 SH   SOLE 0 0 0 29,115
ISHARES TR CORE S&P SCP ETF 464287804   6,966,261 73,608 SH   SOLE 0 0 0 73,608
ISHARES TR S&P 500 VAL ETF 464287408   487,580 3,361 SH   SOLE 0 0 0 3,361
ISHARES TR CORE S&P500 ETF 464287200   13,837,707 36,016 SH   SOLE 0 0 0 36,016
ISHARES TR S&P 500 GRWT ETF 464287309   474,201 8,106 SH   SOLE 0 0 0 8,106
ISHARES TR RUSSELL 2000 ETF 464287655   231,899 1,330 SH   SOLE 0 0 0 1,330
ISHARES TR MSCI EAFE ETF 464287465   6,602,925 100,593 SH   SOLE 0 0 0 100,593
ISHARES TR CORE US AGGBD ET 464287226   5,124,176 52,832 SH   SOLE 0 0 0 52,832
ISHARES TR MSCI EMG MKT ETF 464287234   2,614,986 68,997 SH   SOLE 0 0 0 68,997
ISHARES TR ISHS 1-5YR INVS 464288646   485,994 9,755 SH   SOLE 0 0 0 9,755
ISHARES TR SELECT DIVID ETF 464287168   1,858,928 15,414 SH   SOLE 0 0 0 15,414
ISHARES TR IBOXX INV CP ETF 464287242   2,402,644 22,789 SH   SOLE 0 0 0 22,789
JANUS DETROIT STR TR HENDERSON MTG 47103U852   1,083,539 23,835 SH   SOLE 0 0 0 23,835
JOHNSON & JOHNSON COM 478160104   342,171 1,937 SH   SOLE 0 0 0 1,937
LOWES COS INC COM 548661107   416,810 2,092 SH   SOLE 0 0 0 2,092
MEDTRONIC PLC SHS G5960L103   371,502 4,780 SH   SOLE 0 0 0 4,780
MERCK & CO INC COM 58933Y105   583,264 5,257 SH   SOLE 0 0 0 5,257
METLIFE INC COM 59156R108   396,877 5,484 SH   SOLE 0 0 0 5,484
MICROSOFT CORP COM 594918104   1,524,246 6,356 SH   SOLE 0 0 0 6,356
NORTHROP GRUMMAN CORP COM 666807102   238,665 437 SH   SOLE 0 0 0 437
NVIDIA CORPORATION COM 67066G104   320,950 2,196 SH   SOLE 0 0 0 2,196
ORACLE CORP COM 68389X105   288,542 3,530 SH   SOLE 0 0 0 3,530
PEPSICO INC COM 713448108   200,884 1,112 SH   SOLE 0 0 0 1,112
PROCTER AND GAMBLE CO COM 742718109   564,258 3,723 SH   SOLE 0 0 0 3,723
PROLOGIS INC. COM 74340W103   440,774 3,910 SH   SOLE 0 0 0 3,910
RAYTHEON TECHNOLOGIES CORP COM 75513E101   356,326 3,531 SH   SOLE 0 0 0 3,531
ROYAL BK CDA SUSTAINABL COM 780087102   1,910,580 20,321 SH   SOLE 0 0 0 20,321
SCHWAB CHARLES CORP COM 808513105   329,246 3,954 SH   SOLE 0 0 0 3,954
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   333,297 7,438 SH   SOLE 0 0 0 7,438
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   3,414,282 61,452 SH   SOLE 0 0 0 61,452
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   4,878,746 73,898 SH   SOLE 0 0 0 73,898
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   33,832,642 701,340 SH   SOLE 0 0 0 701,340
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   470,161 7,166 SH   SOLE 0 0 0 7,166
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   281,341 6,163 SH   SOLE 0 0 0 6,163
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852   663,558 13,827 SH   SOLE 0 0 0 13,827
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886   414,893 5,885 SH   SOLE 0 0 0 5,885
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100   435,008 5,600 SH   SOLE 0 0 0 5,600
SELECT SECTOR SPDR TR ENERGY 81369Y506   1,961,031 22,419 SH   SOLE 0 0 0 22,419
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   590,121 17,255 SH   SOLE 0 0 0 17,255
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704   874,462 8,904 SH   SOLE 0 0 0 8,904
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   654,554 5,260 SH   SOLE 0 0 0 5,260
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308   776,886 10,421 SH   SOLE 0 0 0 10,421
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   308,380 2,270 SH   SOLE 0 0 0 2,270
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407   1,216,041 9,415 SH   SOLE 0 0 0 9,415
SOUTHERN CO COM 842587107   244,008 3,417 SH   SOLE 0 0 0 3,417
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   2,638,382 80,048 SH   SOLE 0 0 0 80,048
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   4,018,779 135,358 SH   SOLE 0 0 0 135,358
SPDR S&P 500 ETF TR TR UNIT 78462F103   379,753 993 SH   SOLE 0 0 0 993
SPDR SER TR PRTFLO S&P500 VL 78464A508   536,332 13,791 SH   SOLE 0 0 0 13,791
SPDR SER TR PRTFLO S&P500 GW 78464A409   3,167,534 62,513 SH   SOLE 0 0 0 62,513
SPDR SER TR PORTFOLI S&P1500 78464A805   1,506,470 31,856 SH   SOLE 0 0 0 31,856
SPDR SER TR PORTFOLIO AGRGTE 78464A649   1,062,195 42,268 SH   SOLE 0 0 0 42,268
SPDR SER TR PORTFOLIO LN TSR 78464A664   1,037,735 35,747 SH   SOLE 0 0 0 35,747
SPDR SER TR PORTFOLIO S&P500 78464A854   915,298 20,349 SH   SOLE 0 0 0 20,349
SPDR SER TR PORTFOLIO SHORT 78464A474   3,379,141 115,015 SH   SOLE 0 0 0 115,015
SPDR SER TR PORTFOLIO S&P400 78464A847   354,960 8,352 SH   SOLE 0 0 0 8,352
SPDR SER TR PORTFOLIO S&P600 78468R853   909,721 24,607 SH   SOLE 0 0 0 24,607
SPDR SER TR SPDR S&P 500 ETF 78468R796   641,501 6,872 SH   SOLE 0 0 0 6,872
SSGA ACTIVE ETF TR SPDR TR TACTIC 78467V848   2,170,208 54,201 SH   SOLE 0 0 0 54,201
SYSCO CORP COM 871829107   408,702 5,346 SH   SOLE 0 0 0 5,346
THERMO FISHER SCIENTIFIC INC COM 883556102   620,628 1,127 SH   SOLE 0 0 0 1,127
TJX COS INC NEW COM 872540109   490,734 6,165 SH   SOLE 0 0 0 6,165
UNITEDHEALTH GROUP INC COM 91324P102   569,413 1,074 SH   SOLE 0 0 0 1,074
VANECK ETF TRUST FALLEN ANGEL HG 92189F437   1,311,767 48,548 SH   SOLE 0 0 0 48,548
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   208,074 2,764 SH   SOLE 0 0 0 2,764
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   374,546 7,470 SH   SOLE 0 0 0 7,470
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   342,712 8,792 SH   SOLE 0 0 0 8,792
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   350,699 7,508 SH   SOLE 0 0 0 7,508
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   712,735 16,982 SH   SOLE 0 0 0 16,982
VANGUARD WORLD FD MEGA CAP VAL ETF 921910840   246,840 2,400 SH   SOLE 0 0 0 2,400
VISA INC COM CL A 92826C839   888,557 4,277 SH   SOLE 0 0 0 4,277
WISDOMTREE TR US QTLY DIV GRT 97717X669   3,271,814 54,205 SH   SOLE 0 0 0 54,205
WISDOMTREE TR YIELD ENHANCD US 97717X511   3,178,235 74,519 SH   SOLE 0 0 0 74,519