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 C CAP STK CL C 02079K107 1,218 557 SH   SOLE NONE 550 0 7
BlackRock Ultra Short-Term Bon BLACKROCK ULTRA 46434V878 2,198 43,923 SH   SOLE NONE 40,000 0 3,923
Charles Schwab Corporation (The) COM 808513105 215 3,400 SH   SOLE NONE 3,400 0 0
Fidelity MSCI Energy Index ETF MSCI ENERGY IDX 316092402 719 37,050 SH   SOLE NONE 37,050 0 0
First Trust Dorsey Wright Focus 5 ETF DORSEY WRT 5 ETF 33738R605 377 9,100 SH   SOLE NONE 9,100 0 0
Ford Motor Co COM 345370860 126 11,309 SH   SOLE NONE 10,800 0 509
Industrial Select Sector SPDRFund SBI INT-INDS 81369Y704 1,950 22,330 SH   SOLE NONE 17,100 0 5,230
Invesco BulletShares 2024 High Yield Corporate Bond BULSHS 2024 HY 46138J833 521 23,931 SH   SOLE NONE 0 0 23,931
Invesco S&P 500 High Dividend Low Volatility ETF S&P500 HDL VOL 46138E362 1,667 37,772 SH   SOLE NONE 11,100 0 26,672
Invesco S&P 500 Low Volatility ETF S&P500 LOW VOL 46138E354 4,713 76,011 SH   SOLE NONE 48,000 0 28,011
Ishares Core High Dividend Etf CORE HIGH DV ETF 46429B663 1,236 12,307 SH   SOLE NONE 10,200 0 2,107
iShares Core S&P 500 CORE S&P500 ETF 464287200 1,343 3,542 SH   SOLE NONE 0 0 3,542
iShares Core S&P Total US Stock Mkt ETF CORE S&P TTL STK 464287150 277 3,308 SH   SOLE NONE 0 0 3,308
iShares Core Total USD Bond Market ETF CORE TOTAL USD 46434V613 596 12,736 SH   SOLE NONE 0 0 12,736
iShares Cybersecurity and Tech ETF CYBERSECURITY 46435U135 385 11,000 SH   SOLE NONE 11,000 0 0
iShares Edge MSCI Min Vol USA MSCI USA MIN VOL 46429B697 7,934 113,006 SH   SOLE NONE 46,700 0 66,306
iShares ESG Aware MSCI USA ETF ESG AWR MSCI USA 46435G425 864 10,296 SH   SOLE NONE 0 0 10,296
iShares Floating Rate Bond ETF FLTG RATE NT ETF 46429B655 1,538 30,800 SH   SOLE NONE 30,800 0 0
iShares iBonds 2023 Term High Yield and Income ETF IBONDS 23 TRM HG 46435U150 8,799 376,126 SH   SOLE NONE 138,500 0 237,626
iShares iBonds Dec 2023 Term Corporate ETF IBONDS DEC23 ETF 46434VAX8 1,122 44,728 SH   SOLE NONE 31,600 0 13,128
iShares iBonds Dec 2024 Term Corp ETF IBONDS DEC24 ETF 46434VBG4 496 20,040 SH   SOLE NONE 0 0 20,040
iShares MSCI EAFE Growth ETF EAFE GRWTH ETF 464288885 221 2,748 SH   SOLE NONE 0 0 2,748
iShares MSCI EAFE Value EAFE VALUE ETF 464288877 424 9,780 SH   SOLE NONE 0 0 9,780
iShares MSCI Emerg Mkts Min Vol Fctr ETF MSCI EMERG MRKT 464286533 218 3,929 SH   SOLE NONE 0 0 3,929
iShares Short Treasury Bond SHORT TREAS BD 464288679 609 5,535 SH   SOLE NONE 0 0 5,535
iShares TIPS Bond TIPS BD ETF 464287176 218 1,916 SH   SOLE NONE 0 0 1,916
iShares Treasury Floating Rate Bond TRS FLT RT BD 46434V860 398 7,895 SH   SOLE NONE 0 0 7,895
iShares US Infrastructure ETF US INFRASTRUC 46435U713 618 18,154 SH   SOLE NONE 16,200 0 1,954
iShares US Treasury Bond US TREAS BD ETF 46429B267 365 15,252 SH   SOLE NONE 0 0 15,252
Materials Select Sector SPDRFund SBI MATERIALS 81369Y100 1,599 21,723 SH   SOLE NONE 21,600 0 123
Microsoft Corp COM 594918104 1,630 6,347 SH   SOLE NONE 6,300 0 47
Schwab US Dividend Equity US DIVIDEND EQ 808524797 956 13,348 SH   SOLE NONE 0 0 13,348
Select Sector SPDRTrust The Health Care Select Sector SPDRFund SBI HEALTHCARE 81369Y209 1,157 9,026 SH   SOLE NONE 5,300 0 3,726
SPDRConsumer Staples Select Sector SBI CONS STPLS 81369Y308 671 9,301 SH   SOLE NONE 0 0 9,301
SPDR Blmbg Barclays 1-3 Mth T-Bill ETF BLOOMBERG 1-3 MO 78468R663 728 7,958 SH   SOLE NONE 0 0 7,958
SPDR Portfolio Developed Wld ex-US ETF PORTFOLIO DEVLPD 78463X889 205 7,107 SH   SOLE NONE 0 0 7,107
Vanguard 500 ETF S&P 500 ETF SHS 922908363 807 2,325 SH   SOLE NONE 2,300 0 25
Vanguard Consumer Staples CONSUM STP ETF 92204A207 1,897 10,235 SH   SOLE NONE 0 0 10,235
Vanguard FTSE Developed Markets ETF VAN FTSE DEV MKT 921943858 360 8,833 SH   SOLE NONE 0 0 8,833
Vanguard Growth ETF GROWTH ETF 922908736 259 1,164 SH   SOLE NONE 0 0 1,164
Vanguard Health Care ETF HEALTH CAR ETF 92204A504 2,221 9,432 SH   SOLE NONE 4,900 0 4,532
Vanguard High Dividend Yield ETF HIGH DIV YLD 921946406 966 9,500 SH   SOLE NONE 9,500 0 0
Vanguard Industrials ETF INDUSTRIAL ETF 92204A603 2,447 12,818 SH   SOLE NONE 4,500 0 8,318
Vanguard Information Technology ETF INF TECH ETF 92204A702 1,090 3,337 SH   SOLE NONE 0 0 3,337
Vanguard Total International Bond ETF TOTAL INT BD ETF 92203J407 206 4,150 SH   SOLE NONE 0 0 4,150
Vanguard Total Stock Market ETF TOTAL STK MKT 922908769 499 2,644 SH   SOLE NONE 1,900 0 744
Vanguard Value ETF VALUE ETF 922908744 247 1,872 SH   SOLE NONE 0 0 1,872
WisdomTree Floating Rate Treasury ETF FLOATNG RAT TREA 97717Y527 3,019 59,984 SH   SOLE NONE 48,050 0 11,934