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 SER TR BLOOMBERG 13 MO ETF 78468R663 64,352 702,532 SH   SOLE   0 0 702,532
ISHARES TR SHORT TREAS BD ETF 464288679 51,641 469,467 SH   SOLE   0 0 469,467
ETF SER SOLUTIONS CLEARSHS ULTRA ETF 26922A453 27,447 274,036 SH   SOLE   0 0 274,036
ISHARES TR 03 MNTH TREASRY ETF 46436E718 14,115 140,765 SH   SOLE   0 0 140,765
APPLE INC Stock 037833100 13,523 97,851 SH   SOLE   0 0 97,851
SPDR SER TR PORTFOLI SP1500 ETF 78464A805 9,960 225,806 SH   SOLE   0 0 225,806
ISHARES TR 1 3 YR TREAS BD ETF 464287457 8,854 109,030 SH   SOLE   0 0 109,030
VANGUARD INDEX FDS VALUE ETF ETF 922908744 7,839 63,483 SH   SOLE   0 0 63,483
ISHARES TR CORE SP500 ETF ETF 464287200 7,068 19,706 SH   SOLE   0 0 19,706
J P MORGAN EXCHANGE TRADED FD ULTRA SHRT INC ETF 46641Q837 6,303 125,657 SH   SOLE   0 0 125,657
ISHARES TR FLTG RATE NT ETF ETF 46429B655 6,299 125,312 SH   SOLE   0 0 125,312
ISHARES TR MSCI USA MIN VOL ETF 46429B697 5,212 78,848 SH   SOLE   0 0 78,848
SCHWAB STRATEGIC TR US DIVIDEND EQ ETF 808524797 5,175 77,901 SH   SOLE   0 0 77,901
VANGUARD INDEX FDS TOTAL STK MKT ETF 922908769 4,691 26,139 SH   SOLE   0 0 26,139
VANGUARD INDEX FDS GROWTH ETF ETF 922908736 4,578 21,395 SH   SOLE   0 0 21,395
VANGUARD WHITEHALL FDS HIGH DIV YLD ETF 921946406 4,465 47,063 SH   SOLE   0 0 47,063
VANGUARD FTSE DEVELOPED ETF ETF 921943858 4,243 116,698 SH   SOLE   0 0 116,698
ISHARES TR CORE MSCI EAFE ETF 46432F842 4,067 77,221 SH   SOLE   0 0 77,221
VANGUARD INDEX FDS SP 500 ETF SHS ETF 922908363 3,885 11,835 SH   SOLE   0 0 11,835
TESLA INC Stock 88160R101 3,473 13,092 SH   SOLE   0 0 13,092
SPDR Portfolio Developed Wld exUS ETF 78463X889 3,340 129,443 SH   SOLE   0 0 129,443
UNITEDHEALTH GROUP INC Stock 91324P102 3,059 6,056 SH   SOLE   0 0 6,056
ISHARES GOLD TRUST ETF 464285204 3,034 96,215 SH   SOLE   0 0 96,215
VANGUARD BD INDEX FDS SHORT TRM BOND ETF 921937827 2,866 38,308 SH   SOLE   0 0 38,308
ISHARES TR COHEN STEER REIT ETF 464287564 2,838 52,892 SH   SOLE   0 0 52,892
SCHWAB STRATEGIC TR 1000 INDEX ETF ETF 808524722 2,795 80,759 SH   SOLE   0 0 80,759
iShares Core US REIT ETF 464288521 2,791 58,757 SH   SOLE   0 0 58,757
ISHARES TR INTRM GOV CR ETF ETF 464288612 2,790 27,438 SH   SOLE   0 0 27,438
Schwab US Broad Market ETF ETF 808524102 2,638 62,822 SH   SOLE   0 0 62,822
VANGUARD BD INDEX FDS TOTAL BND MRKT ETF 921937835 2,626 36,818 SH   SOLE   0 0 36,818
AMAZONCOM INC Stock 023135106 2,362 20,901 SH   SOLE   0 0 20,901
ISHARES TR CORE MSCI TOTAL ETF 46432F834 2,305 45,261 SH   SOLE   0 0 45,261
SPDR Emerging Markets ETF ETF 78463X509 2,226 71,723 SH   SOLE   0 0 71,723
SPDR Portfolio TIPS ETF ETF 78464A656 2,203 86,862 SH   SOLE   0 0 86,862
iShares Core International Aggt Bd ETF ETF 46435G672 2,161 44,718 SH   SOLE   0 0 44,718
EXXON MOBIL CORPORATION Stock 30231G102 2,070 23,707 SH   SOLE   0 0 23,707
ISHARES TREASURY FLOATING ETF 46434V860 1,993 39,465 SH   SOLE   0 0 39,465
ELI LILLY CO Stock 532457108 1,938 5,992 SH   SOLE   0 0 5,992
PIMCO ETF TR ENHAN SHRT MA AC ETF 72201R833 1,922 19,446 SH   SOLE   0 0 19,446
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS ETF 92206C102 1,893 32,752 SH   SOLE   0 0 32,752
VANGUARD INTL EQUITY INDEX FDS FTSE EMR MKT ETF ETF 922042858 1,862 51,016 SH   SOLE   0 0 51,016
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD ETF 92206C409 1,819 24,492 SH   SOLE   0 0 24,492
iShares US Treasury Bond ETF ETF 46429B267 1,741 76,498 SH   SOLE   0 0 76,498
PEPSICO INC Stock 713448108 1,708 10,460 SH   SOLE   0 0 10,460
SPDR SER TR PRTFLO SP500 VL ETF 78464A508 1,693 49,076 SH   SOLE   0 0 49,076
Etf Ser Solutions Clearshs Ocio ETF 26922A727 1,591 58,494 SH   SOLE   0 0 58,494
CHEVRON CORP Stock 166764100 1,542 10,730 SH   SOLE   0 0 10,730
MERCK CO INC Stock 58933Y105 1,463 16,993 SH   SOLE   0 0 16,993
SPDR SP 500 ETF TR TR UNIT ETF 78462F103 1,454 4,071 SH   SOLE   0 0 4,071
ISHARES TR CORE SP MCP ETF ETF 464287507 1,437 6,554 SH   SOLE   0 0 6,554
AMERICAN TOWER CORP Stock 03027X100 1,351 6,293 SH   SOLE   0 0 6,293
ISHARES TR CORE SP SCP ETF ETF 464287804 1,334 15,304 SH   SOLE   0 0 15,304
SCHWAB STRATEGIC TR US TIPS ETF ETF 808524870 1,220 23,553 SH   SOLE   0 0 23,553
COSTCO WHOLESALE CORP Stock 22160K105 1,177 2,492 SH   SOLE   0 0 2,492
SPDR Energy Select Sector ETF ETF 81369Y506 1,141 15,850 SH   SOLE   0 0 15,850
COCACOLA CO (THE) Stock 191216100 1,123 20,049 SH   SOLE   0 0 20,049
Direxion Shs Etf Tr Daily SP 500 ETF 25460E869 1,037 58,005 SH   SOLE   0 0 58,005
Schwab International Equity ETF 808524805 1,012 35,970 SH   SOLE   0 0 35,970
MCDONALD'S CORPORATION Stock 580135101 947 4,103 SH   SOLE   0 0 4,103
ISHARES MSCI INDIA ETF ETF 46429B598 860 21,079 SH   SOLE   0 0 21,079
Direxion Auspice Broad Commodity Strategy ETF ETF 25460E307 853 28,598 SH   SOLE   0 0 28,598
NEXTERA ENERGY INC Stock 65339F101 821 10,466 SH   SOLE   0 0 10,466
DANAHER CORPORATION Stock 235851102 819 3,171 SH   SOLE   0 0 3,171
ABBVIE INC Stock 00287Y109 818 6,093 SH   SOLE   0 0 6,093
CVS HEALTH CORP Stock 126650100 810 8,495 SH   SOLE   0 0 8,495
Schwab US REIT ETF 808524847 810 43,338 SH   SOLE   0 0 43,338
Berkshire Hathaway Inc Class B Stock 084670207 783 2,934 SH   SOLE   0 0 2,934
Kellogg Stock 487836108 776 11,141 SH   SOLE   0 0 11,141
iShares 37 Year Treasury Bond ETF ETF 464288661 762 6,670 SH   SOLE   0 0 6,670
CONOCOPHILLIPS Stock 20825C104 655 6,400 SH   SOLE   0 0 6,400
AMGEN INC Stock 031162100 642 2,848 SH   SOLE   0 0 2,848
UNITED PARCEL SERVICE B Stock 911312106 596 3,688 SH   SOLE   0 0 3,688
General Mills Inc Stock 370334104 588 7,675 SH   SOLE   0 0 7,675
THERMO FISHER SCIENTIFIC Stock 883556102 582 1,148 SH   SOLE   0 0 1,148
PUBLIC STORAGE Stock 74460D109 575 1,965 SH   SOLE   0 0 1,965
BRISTOLMYERS SQUIBB CO Stock 110122108 533 7,492 SH   SOLE   0 0 7,492
Schwab Emerging Markets Equity ETF ETF 808524706 528 23,572 SH   SOLE   0 0 23,572
REALTY INCOME CORP Stock 756109104 494 8,489 SH   SOLE   0 0 8,489
LOCKHEED MARTIN CORP Stock 539830109 473 1,224 SH   SOLE   0 0 1,224
Automatic Data Processing Inc Stock 053015103 469 2,074 SH   SOLE   0 0 2,074
THE WALT DISNEY CO Stock 254687106 443 4,694 SH   SOLE   0 0 4,694
Cheniere Energy Inc Stock 16411R208 434 2,614 SH   SOLE   0 0 2,614
LOWE'S COMPANIES INC Stock 548661107 431 2,296 SH   SOLE   0 0 2,296
TMOBILE US INC Stock 872590104 425 3,169 SH   SOLE   0 0 3,169
THE SOUTHERN COMPANY Stock 842587107 409 6,022 SH   SOLE   0 0 6,022
WELLS FARGO CO Stock 949746101 387 9,627 SH   SOLE   0 0 9,627
MPLX LP Stock 55336V100 386 12,850 SH   SOLE   0 0 12,850
First Trust Financials Alphadex ETF 33734X135 383 10,400 SH   SOLE   0 0 10,400
VICI PROPERTIES INC Stock 925652109 378 12,666 SH   SOLE   0 0 12,666
UNION PACIFIC CORP Stock 907818108 374 1,920 SH   SOLE   0 0 1,920
RAYTHEON TECHNOLOGIES COR Stock 75513E101 360 4,402 SH   SOLE   0 0 4,402
DUKE ENERGY CORP Stock 26441C204 357 3,834 SH   SOLE   0 0 3,834
WW Grainger Inc Stock 384802104 349 713 SH   SOLE   0 0 713
Marsh McLennan Co Inc Stock 571748102 334 2,238 SH   SOLE   0 0 2,238
HONEYWELL INTERNATL INC Stock 438516106 312 1,870 SH   SOLE   0 0 1,870
SPDR Portfolio SP 400 Mid Cap ETF 78464A847 306 7,940 SH   SOLE   0 0 7,940
NVIDIA Corp Stock 67066G104 305 2,511 SH   SOLE   0 0 2,511
STARBUCKS CORP Stock 855244109 297 3,527 SH   SOLE   0 0 3,527
SHELL PLC Stock 780259305 295 5,934 SH   SOLE   0 0 5,934
CHARLES SCHWAB CORP Stock 808513105 295 4,100 SH   SOLE   0 0 4,100
BP PLC ADR Stock 055622104 295 10,320 SH   SOLE   0 0 10,320
ENBRIDGE INC Stock 29250N105 293 7,909 SH   SOLE   0 0 7,909
MORGAN STANLEY Stock 617446448 293 3,710 SH   SOLE   0 0 3,710
TOTALENERGIES SE Stock 89151E109 289 6,204 SH   SOLE   0 0 6,204
Schwab ShortTerm US Treasury ETF 808524862 286 5,919 SH   SOLE   0 0 5,919
Vanguard SmallCap ETF 922908751 284 1,661 SH   SOLE   0 0 1,661
Walmart Inc Stock 931142103 274 2,111 SH   SOLE   0 0 2,111
ASTRAZENECA PLC ADR Stock 046353108 274 4,990 SH   SOLE   0 0 4,990
EXTRA SPACE STORAGE INC Stock 30225T102 272 1,572 SH   SOLE   0 0 1,572
COLGATEPALMOLIVE COMPANY Stock 194162103 270 3,842 SH   SOLE   0 0 3,842
GENERAL DYNAMICS CORP Stock 369550108 266 1,254 SH   SOLE   0 0 1,254
Vertex Pharmaceuticals Inc Stock 92532F100 263 910 SH   SOLE   0 0 910
SPDR Portfolio SmallCap ETF 78468R853 261 7,672 SH   SOLE   0 0 7,672
INTERNAT BUSINESS MACH Stock 459200101 246 2,069 SH   SOLE   0 0 2,069
CANADIAN NATL RAILWAY CO Stock 136375102 245 2,265 SH   SOLE   0 0 2,265
CSL LTD ADR Stock 12637N204 244 2,679 SH   SOLE   0 0 2,679
iShares FactorSelect MSCI Inter ETF 46434V274 241 11,500 SH   SOLE   0 0 11,500
DUKE REALTY CORPORATION Stock 264411505 240 4,989 SH   SOLE   0 0 4,989
GOLDMAN SACHS GROUP INC Stock 38141G104 239 814 SH   SOLE   0 0 814
MONDELEZ INTERNATIONAL Stock 609207105 235 4,294 SH   SOLE   0 0 4,294
BLACKROCK INC Stock 09247X101 232 421 SH   SOLE   0 0 421
Eversource Energy Stock 30040W108 229 2,939 SH   SOLE   0 0 2,939
Gilead Sciences Inc Stock 375558103 227 3,676 SH   SOLE   0 0 3,676
Microsoft Corp Stock 594918104 226 971 SH   SOLE   0 0 971
Johnson Johnson Stock 478160104 219 1,341 SH   SOLE   0 0 1,341
ATT Inc Stock 00206R102 214 13,930 SH   SOLE   0 0 13,930
EXELON CORPORATION Stock 30161N101 208 5,558 SH   SOLE   0 0 5,558
SBA COMMUNICATIONS CORP Stock 78410G104 204 717 SH   SOLE   0 0 717
Leidos Holdings Inc Stock 525327102 197 2,250 SH   SOLE   0 0 2,250
JP Morgan Chase Co Stock 46625H100 195 1,862 SH   SOLE   0 0 1,862
Regions Financial Corp Stock 7591EP100 195 9,694 SH   SOLE   0 0 9,694
METLIFE INC Stock 59156R108 190 3,132 SH   SOLE   0 0 3,132
iShares Core MSCI Emerging Markets ETF 46434G103 190 4,421 SH   SOLE   0 0 4,421
ISHARES MSCI TURKEY INV ETF 464286715 189 8,570 SH   SOLE   0 0 8,570
ISHARES MSCI BRAZIL ETF 464286400 186 6,293 SH   SOLE   0 0 6,293
BOEING CO Stock 097023105 174 1,434 SH   SOLE   0 0 1,434
Schlumberger NV Stock 806857108 173 4,825 SH   SOLE   0 0 4,825
Procter Gamble Co Stock 742718109 167 1,326 SH   SOLE   0 0 1,326
Cadence Design Systems Inc Stock 127387108 164 1,003 SH   SOLE   0 0 1,003
ISHARES MSCI SAUDI ARB ETF 46434V423 154 3,759 SH   SOLE   0 0 3,759
NOVO NORDISK AS ADR Stock 670100205 145 1,451 SH   SOLE   0 0 1,451
HOST HOTELS RESORTS INC Stock 44107P104 140 8,809 SH   SOLE   0 0 8,809
FORD MOTOR CO Stock 345370860 139 12,453 SH   SOLE   0 0 12,453
iShares Core SP Total US Stock Market ETF 464287150 136 1,711 SH   SOLE   0 0 1,711
Proshares Short SP 500 ETF 74347B425 133 7,710 SH   SOLE   0 0 7,710
CH Robinson Worldwide Inc Stock 12541W209 129 1,335 SH   SOLE   0 0 1,335
Inspire100 ETF ETF 66538H534 128 4,612 SH   SOLE   0 0 4,612
Dominion Energy Inc Stock 25746U109 125 1,807 SH   SOLE   0 0 1,807
LVMH MOET HENNESSYUNSP A Stock 502441306 124 1,057 SH   SOLE   0 0 1,057
Dollar General Corp Stock 256677105 122 509 SH   SOLE   0 0 509
HSBC HOLDINGS PLC ADR Stock 404280406 121 4,649 SH   SOLE   0 0 4,649
Valero Energy Corp Stock 91913Y100 113 1,060 SH   SOLE   0 0 1,060
Truist Financial Corp Stock 89832Q109 110 2,520 SH   SOLE   0 0 2,520
SPDR Portfolio SP 500 ETF ETF 78464A854 109 2,593 SH   SOLE   0 0 2,593
GENERAL MOTORS COMPANY Stock 37045V100 108 3,352 SH   SOLE   0 0 3,352
iShares ESG Aware MSCI USA ETF ETF 46435G425 107 1,352 SH   SOLE   0 0 1,352
ISHARES MSCI CHILE INVEST ETF 464286640 103 4,303 SH   SOLE   0 0 4,303
Goldman Sachs Activebeta US LC ETF ETF 381430503 101 1,422 SH   SOLE   0 0 1,422
AmerisourceBergen Corp Stock 03073E105 101 745 SH   SOLE   0 0 745