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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
Alphabet, Inc. CAP STK CL C 02079K107 2,394 857 SH   SOLE NONE 850 0 7
Charles Schwab Corporation (The) COM 808513105 1,029 12,200 SH   SOLE NONE 12,200 0 0
Fidelity MSCI Health Care Index ETF MSCI HLTH CARE I 316092600 225 3,433 SH   SOLE NONE 0 0 3,433
Fidelity MSCI Consumer Staples ETF CONSMR STAPLES 316092303 206 4,488 SH   SOLE NONE 0 0 4,488
Global X S&P 500 Catholic Values ETF S&P 500 CATHOLIC 37954Y889 230 4,131 SH   SOLE NONE 0 0 4,131
Health Care Select Sector SPDR Fund SBI HEALTHCARE 81369Y209 1,884 13,752 SH   SOLE NONE 8,400 0 5,352
Illinois Tool Works, Inc. COM 452308109 785 3,750 SH   SOLE NONE 3,750 0 0
Industrial Select Sector SPDR Fund SBI INT-INDS 81369Y704 2,319 22,517 SH   SOLE NONE 17,100 0 5,417
Invesco BulletShares 2023 Corporate Bond BULSHS 2023 CB 46138J866 208 9,840 SH   SOLE NONE 0 0 9,840
Invesco BulletShares 2024 High Yield Corporate Bond BULSHS 2024 HY 46138J833 6,004 252,042 SH   SOLE NONE 0 0 252,042
Invesco BulletShares 2025 High Yield Corporate Bond ETF BULSHS 2025 HY 46138J817 1,165 49,000 SH   SOLE NONE 49,000 0 0
Invesco QQQ Trust Series 1 UNIT SER 1 46090E103 2,107 5,812 SH   SOLE NONE 5,800 0 12
Invesco S&P 500 Equal Weight ETF S&P500 EQL WGT 46137V357 820 5,200 SH   SOLE NONE 5,200 0 0
Invesco S&P 500 Low Volatility ETF S&P500 LOW VOL 46138E354 2,597 38,715 SH   SOLE NONE 38,600 0 115
iShares 0-5 Year High Yield Corporate Bond 0-5YR HI YL CP 46434V407 226 5,147 SH   SOLE NONE 0 0 5,147
iShares Core USD Bond Market ETF CORE TOTAL USD 46434V613 582 11,736 SH   SOLE NONE 0 0 11,736
iShares Core High Dividend ETF CORE HIGH DV ETF 46429B663 1,219 11,400 SH   SOLE NONE 11,400 0 0
iShares Core S&P 500 CORE S&P500 ETF 464287200 1,285 2,833 SH   SOLE NONE 0 0 2,833
iShares ESG Aware MSCI USA ETF ESG AWR MSCI USA 46435G425 935 9,225 SH   SOLE NONE 0 0 9,225
iShares Floating Rate Bond ETF FLTG RATE NT ETF 46429B655 1,556 30,807 SH   SOLE NONE 30,800 0 7
iShares MSCI EAFE MSCI EAFE ETF 464287465 544 7,386 SH   SOLE NONE 0 0 7,386
iShares MSCI EAFE Growth ETF EAFE GRWTH ETF 464288885 222 2,307 SH   SOLE NONE 0 0 2,307
iShares MSCI EAFE Value EAFE VALUE ETF 464288877 418 8,308 SH   SOLE NONE 0 0 8,308
iShares MSCI USA Min Vol Factor ETF MSCI USA MIN VOL 46429B697 7,058 90,986 SH   SOLE NONE 46,700 0 44,286
iShares MSCI USA Momentum Factor ETF MSCI USA MMENTM 46432F396 1,501 8,918 SH   SOLE NONE 8,800 0 118
iShares Russell 2000 ETF RUSSELL 2000 ETF 464287655 1,525 7,431 SH   SOLE NONE 7,400 0 31
iShares US Treasury Bond US TREAS BD ETF 46429B267 375 15,034 SH   SOLE NONE 0 0 15,034
Janus Henderson Short Duration Income ETF HENDRSN SHRT ETF 47103U886 1,536 31,300 SH   SOLE NONE 31,300 0 0
Materials Select Sector SPDR Fund SBI MATERIALS 81369Y100 2,268 25,730 SH   SOLE NONE 25,600 0 130
Microsoft Corporation COM 594918104 2,258 7,325 SH   SOLE NONE 7,300 0 25
Procter & Gamble Company (The) COM 742718109 2,185 14,300 SH   SOLE NONE 14,300 0 0
salesforce.com, Inc. COM 79466L302 403 1,900 SH   SOLE NONE 1,900 0 0
Schwab US Dividend Equity ETF US DIVIDEND EQ 808524797 1,627 20,618 SH   SOLE NONE 5,700 0 14,918
SPDR Bloomberg Short Term High Yield Bond ETF BLOOMBERG SHT TE 78468R408 4,077 155,371 SH   SOLE NONE 0 0 155,371
SPDR Consumer Staples Select Sector SBI CONS STPLS 81369Y308 757 9,975 SH   SOLE NONE 0 0 9,975
SPDR Real Estate Select Sector ETF RL EST SEL SEC 81369Y860 557 11,531 SH   SOLE NONE 0 0 11,531
SPDR S&P 500 ETF TR UNIT 78462F103 2,061 4,563 SH   SOLE NONE 4,300 0 263
VanEck Fallen Angel HiYld Bd ETF FALLEN ANGEL HG 92189F437 358 11,765 SH   SOLE NONE 10,700 0 1,065
Vanguard International Bond ETF TOTAL INT BD ETF 92203J407 253 4,819 SH   SOLE NONE 0 0 4,819
Vanguard 500 ETF S&P 500 ETF SHS 922908363 1,713 4,125 SH   SOLE NONE 4,100 0 25
Vanguard Consumer Staples CONSUM STP ETF 92204A207 2,197 11,213 SH   SOLE NONE 0 0 11,213
Vanguard Financials ETF FINANCIALS ETF 92204A405 2,944 31,526 SH   SOLE NONE 8,500 0 23,026
Vanguard FTSE Developed Markets ETF FTSE DEV MKT ETF 921943858 370 7,700 SH   SOLE NONE 0 0 7,700
Vanguard Growth ETF GROWTH ETF 922908736 265 920 SH   SOLE NONE 0 0 920
Vanguard Health Care ETF HEALTH CAR ETF 92204A504 3,379 13,282 SH   SOLE NONE 5,000 0 8,282
Vanguard High Dividend Yield ETF HIGH DIV YLD 921946406 1,066 9,500 SH   SOLE NONE 9,500 0 0
Vanguard Industrials ETF INDUSTRIAL ETF 92204A603 3,501 18,004 SH   SOLE NONE 6,500 0 11,504
Vanguard Information Technology ETF INF TECH ETF 92204A702 3,220 7,731 SH   SOLE NONE 2,700 0 5,031
Vanguard Mortgage-Backed Secs ETF MTG-BKD SECS ETF 92206C771 272 5,420 SH   SOLE NONE 0 0 5,420
Vanguard Short-Term Bond ETF SHORT TRM BOND 921937827 373 4,787 SH   SOLE NONE 0 0 4,787
Vanguard Total Stock Market ETF TOTAL STK MKT 922908769 1,603 7,040 SH   SOLE NONE 6,400 0 640
Vanguard Utilities ETF UTILITIES ETF 92204A876 2,589 16,000 SH   SOLE NONE 16,000 0 0
Vanguard Value ETF VALUE ETF 922908744 240 1,625 SH   SOLE NONE 0 0 1,625
WisdomTree Floating Rate Treasury ETF FLOATNG RAT TREA 97717Y527 2,423 48,195 SH   SOLE NONE 48,050 0 145