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
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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
EXXON MOBIL CORP COM 30231G102   682,743 6,226 SH   SOLE   6,200 0 26
FLEXSHARES TR CRE SLCT BD FD 33939L670   255,761 11,347 SH   SOLE   0 0 11,347
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354   1,498,106 24,008 SH   SOLE   24,000 0 8
INVESCO EXCH TRADED FD TR II S&P500 HDL VOL 46138E362   1,516,148 35,919 SH   SOLE   0 0 35,919
INVESCO EXCH TRADED FD TR II S&P 500 REVENUE 46138G698   5,443,989 71,537 SH   SOLE   37,800 0 33,737
INVESCO EXCH TRD SLF IDX FD BULSHS 2023 CB 46138J866   1,201,560 57,000 SH   SOLE   57,000 0 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2024 HY 46138J833   565,978 25,206 SH   SOLE   0 0 25,206
INVESCO EXCHANGE TRADED FD T S&P500 EQL STP 46137V373   1,891,718 11,100 SH   SOLE   11,100 0 0
INVESCO QQQ TR UNIT SER 1 46090E103   1,750,695 5,455 SH   SOLE   5,400 0 55
ISHARES INC CORE MSCI EMKT 46434G103   574,211 11,769 SH   SOLE   0 0 11,769
ISHARES TR IBONDS 24 TRM HG 46435U184   2,949,977 127,539 SH   SOLE   127,000 0 539
ISHARES TR ISHS 5-10YR INVT 464288638   10,289,627 66,842 SH   SOLE   0 0 66,842
ISHARES TR CORE S&P500 ETF 464287200   3,149,273 7,661 SH   SOLE   0 0 7,661
ISHARES TR ISHARES SEMICDTR 464287523   1,022,741 2,300 SH   SOLE   2,300 0 0
ISHARES TR IBONDS 23 TRM TS 46436E882   1,307,487 52,700 SH   SOLE   52,700 0 0
ISHARES TR CYBERSECURITY 46435U135   2,220,985 61,100 SH   SOLE   61,100 0 0
ISHARES TR US TREAS BD ETF 46429B267   563,271 24,092 SH   SOLE   0 0 24,092
ISHARES TR IBONDS DEC23 ETF 46434VAX8   5,278,543 209,549 PRN   SOLE   115,800 0 93,749
ISHARES TR EAFE VALUE ETF 464288877   603,614 12,438 SH   SOLE   0 0 12,438
ISHARES TR MBS ETF 464288588   628,046 6,630 SH   SOLE   0 0 6,630
ISHARES TR CORE TOTAL USD 46434V613   1,727,216 37,426 SH   SOLE   0 0 37,426
ISHARES TR 10-20 YR TRS ETF 464288653   210,338 1,836 SH   SOLE   0 0 1,836
ISHARES TR U.S. TECH ETF 464287721   441,703 4,759 SH   SOLE   0 0 4,759
ISHARES TR MSCI USA QLT FCT 46432F339   1,052,854 8,486 SH   SOLE   0 0 8,486
ISHARES TR US INFRASTRUC 46435U713   975,911 26,150 SH   SOLE   23,400 0 2,750
ISHARES TR FLTG RATE NT ETF 46429B655   448,471 8,900 SH   SOLE   8,900 0 0
ISHARES TR IBONDS DEC24 ETF 46434VBG4   2,320,660 94,374 PRN   SOLE   73,300 0 21,074
ISHARES TR ESG AWR MSCI USA 46435G425   528,570 5,844 SH   SOLE   0 0 5,844
ISHARES TR IBONDS 2026 TERM 46436E528   2,959,918 129,821 SH   SOLE   0 0 129,821
ISHARES TR MSCI USA MIN VOL 46429B697   4,928,662 67,757 SH   SOLE   24,400 0 43,357
ISHARES TR SHORT TREAS BD 464288679   864,117 7,820 SH   SOLE   0 0 7,820
ISHARES TR EAFE GRWTH ETF 464288885   937,477 10,007 SH   SOLE   0 0 10,007
MCDONALDS CORP COM 580135101   951,513 3,403 SH   SOLE   3,400 0 3
MICROSOFT CORP COM 594918104   2,075,785 7,200 SH   SOLE   7,100 0 100
MONDELEZ INTL INC CL A 609207105   363,245 5,210 SH   SOLE   5,200 0 10
ORACLE CORP COM 68389X105   771,236 8,300 SH   SOLE   8,300 0 0
PALO ALTO NETWORKS INC COM 697435105   399,879 2,002 SH   SOLE   2,000 0 2
PIMCO ETF TR 0-5 HIGH YIELD 72201R783   250,187 2,740 SH   SOLE   0 0 2,740
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   1,016,872 13,899 SH   SOLE   0 0 13,899
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854   625,935 12,412 SH   SOLE   0 0 12,412
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704   2,597,495 25,672 SH   SOLE   0 0 25,672
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308   600,143 8,033 SH   SOLE   0 0 8,033
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100   4,294,925 53,247 SH   SOLE   22,700 0 30,547
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   3,796,938 29,329 SH   SOLE   7,900 0 21,429
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   1,223,332 8,101 SH   SOLE   8,100 0 1
SPDR GOLD TR GOLD SHS 78463V107   1,939,385 10,585 SH   SOLE   10,400 0 185
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   301,909 9,399 SH   SOLE   0 0 9,399
SPDR S&P 500 ETF TR TR UNIT 78462F103   287,882 701 SH   SOLE   0 0 701
SPDR SER TR BLOOMBERG 1-3 MO 78468R663   433,942 4,726 SH   SOLE   0 0 4,726
SPDR SER TR S&P REGL BKG 78464A698   465,755 10,619 SH   SOLE   0 0 10,619
SPDR SER TR PORTFOLIO SHORT 78464A474   3,366,650 113,623 SH   SOLE   113,600 0 23
SPDR SER TR BLOOMBERG SHT TE 78468R408   248,476 10,003 SH   SOLE   0 0 10,003
SSGA ACTIVE TR SPDR SSGA US SCT 78470P408   251,948 6,275 SH   SOLE   0 0 6,275
UNITEDHEALTH GROUP INC COM 91324P102   1,326,560 2,807 SH   SOLE   2,800 0 7
VANGUARD BD INDEX FDS INTERMED TERM 921937819   215,877 2,813 SH   SOLE   0 0 2,813
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   1,318,467 17,237 SH   SOLE   0 0 17,237
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   372,328 7,611 SH   SOLE   0 0 7,611
VANGUARD INDEX FDS VALUE ETF 922908744   516,455 3,739 SH   SOLE   0 0 3,739
VANGUARD INDEX FDS GROWTH ETF 922908736   542,298 2,174 SH   SOLE   0 0 2,174
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   1,922,858 5,113 SH   SOLE   4,900 0 213
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   240,970 5,965 SH   SOLE   0 0 5,965
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874   1,068,210 17,526 SH   SOLE   17,500 0 26
VANGUARD SCOTTSDALE FDS LG-TERM COR BD 92206C813   2,981,606 37,401 SH   SOLE   0 0 37,401
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   672,917 14,898 SH   SOLE   0 0 14,898
VANGUARD WELLINGTON FD US MULTIFACTOR 921935607   4,690,817 47,336 SH   SOLE   22,100 0 25,236
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   2,352,650 22,300 SH   SOLE   22,300 0 0
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504   2,044,792 8,575 SH   SOLE   8,300 0 275
VANGUARD WORLD FDS INF TECH ETF 92204A702   3,954,145 10,258 SH   SOLE   0 0 10,258
VISA INC COM CL A 92826C839   1,107,914 4,914 SH   SOLE   4,800 0 114
YUM BRANDS INC COM 988498101   330,200 2,500 SH   SOLE   2,500 0 0
ZIMMER BIOMET HOLDINGS INC COM 98956P102   273,132 2,114 SH   SOLE   2,100 0 14