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
AMAZON COM INC COM 023135106   866,810 8,392 SH   SOLE   0 0 8,392
AMERICAN WTR WKS CO INC NEW COM 030420103   241,855 1,651 SH   SOLE   0 0 1,651
APPLE INC COM 037833100   3,676,116 22,293 SH   SOLE   0 0 22,293
APPLIED MATLS INC COM 038222105   295,775 2,408 SH   SOLE   0 0 2,408
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   434,439 1,407 SH   SOLE   0 0 1,407
CATERPILLAR INC COM 149123101   309,621 1,353 SH   SOLE   0 0 1,353
CHEVRON CORP NEW COM 166764100   656,230 4,022 SH   SOLE   0 0 4,022
COCA COLA CO COM 191216100   223,633 3,605 SH   SOLE   0 0 3,605
DEERE & CO COM 244199105   331,130 802 SH   SOLE   0 0 802
DISNEY WALT CO COM 254687106   205,517 2,053 SH   SOLE   0 0 2,053
FIDELITY COVINGTON TRUST MSCI CONSM DIS 316092204   769,969 11,759 SH   SOLE   0 0 11,759
FIDELITY COVINGTON TRUST CONSMR STAPLES 316092303   753,317 16,685 SH   SOLE   0 0 16,685
FIDELITY COVINGTON TRUST MSCI ENERGY IDX 316092402   582,073 25,939 SH   SOLE   0 0 25,939
FIDELITY COVINGTON TRUST MSCI FINLS IDX 316092501   1,505,547 33,382 SH   SOLE   0 0 33,382
FIDELITY COVINGTON TRUST MSCI HLTH CARE I 316092600   2,566,210 41,747 SH   SOLE   0 0 41,747
FIDELITY COVINGTON TRUST MSCI INDL INDX 316092709   693,202 13,106 SH   SOLE   0 0 13,106
FIDELITY COVINGTON TRUST MSCI INFO TECH I 316092808   2,242,138 19,677 SH   SOLE   0 0 19,677
FIDELITY COVINGTON TRUST MSCI RL EST ETF 316092857   420,899 16,897 SH   SOLE   0 0 16,897
FIDELITY COVINGTON TRUST MSCI COMMNTN SVC 316092873   1,246,824 34,066 SH   SOLE   0 0 34,066
HOME DEPOT INC COM 437076102   659,003 2,233 SH   SOLE   0 0 2,233
HONEYWELL INTL INC COM 438516106   299,485 1,567 SH   SOLE   0 0 1,567
INTEL CORP COM 458140100   914,335 27,987 SH   SOLE   0 0 27,987
INTERNATIONAL BUSINESS MACHS COM 459200101   246,974 1,884 SH   SOLE   0 0 1,884
ISHARES GOLD TR ISHARES NEW 464285204   1,445,210 38,673 SH   SOLE   0 0 38,673
ISHARES TR S&P 100 ETF 464287101   304,501 1,628 SH   SOLE   0 0 1,628
ISHARES TR CORE S&P TTL STK 464287150   218,608 2,414 SH   SOLE   0 0 2,414
ISHARES TR SELECT DIVID ETF 464287168   246,603 2,104 SH   SOLE   0 0 2,104
ISHARES TR CORE S&P500 ETF 464287200   1,350,339 3,285 SH   SOLE   0 0 3,285
ISHARES TR 7-10 YR TRSY BD 464287440   452,783 4,568 SH   SOLE   0 0 4,568
ISHARES TR 1 3 YR TREAS BD 464287457   5,280,986 64,277 SH   SOLE   0 0 64,277
ISHARES TR CORE S&P MCP ETF 464287507   1,157,816 4,628 SH   SOLE   0 0 4,628
ISHARES TR CORE S&P US VLU 464287663   5,206,773 70,572 SH   SOLE   0 0 70,572
ISHARES TR CORE S&P US GWT 464287671   6,481,830 73,018 SH   SOLE   0 0 73,018
ISHARES TR CORE S&P SCP ETF 464287804   1,936,813 20,029 SH   SOLE   0 0 20,029
ISHARES TR USD INV GRDE ETF 464288620   541,767 10,694 SH   SOLE   0 0 10,694
ISHARES TR 3 7 YR TREAS BD 464288661   239,535 2,036 SH   SOLE   0 0 2,036
ISHARES TR SHORT TREAS BD 464288679   3,199,887 28,958 SH   SOLE   0 0 28,958
JOHNSON & JOHNSON COM 478160104   978,205 6,311 SH   SOLE   0 0 6,311
LILLY ELI & CO COM 532457108   597,894 1,741 SH   SOLE   0 0 1,741
LOCKHEED MARTIN CORP COM 539830109   332,329 703 SH   SOLE   0 0 703
LOWES COS INC COM 548661107   323,152 1,616 SH   SOLE   0 0 1,616
MCDONALDS CORP COM 580135101   403,617 1,444 SH   SOLE   0 0 1,444
MICROSOFT CORP COM 594918104   2,282,471 7,917 SH   SOLE   0 0 7,917
PEPSICO INC COM 713448108   624,195 3,424 SH   SOLE   0 0 3,424
PFIZER INC COM 717081103   227,623 5,579 SH   SOLE   0 0 5,579
PROCTER AND GAMBLE CO COM 742718109   1,779,225 11,966 SH   SOLE   0 0 11,966
QUALCOMM INC COM 747525103   417,952 3,276 SH   SOLE   0 0 3,276
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730   334,033 12,823 SH   SOLE   0 0 12,823
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755   478,886 15,315 SH   SOLE   0 0 15,315
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771   811,997 14,785 SH   SOLE   0 0 14,785
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   693,902 9,485 SH   SOLE   0 0 9,485
TEXAS INSTRS INC COM 882508104   212,237 1,141 SH   SOLE   0 0 1,141
UNION PAC CORP COM 907818108   359,249 1,785 SH   SOLE   0 0 1,785
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   1,344,045 8,727 SH   SOLE   0 0 8,727
VANGUARD STAR FDS VG TL INTL STK F 921909768   874,692 15,843 SH   SOLE   0 0 15,843
VANGUARD WORLD FD MEGA GRWTH IND 921910816   229,665 1,123 SH   SOLE   0 0 1,123
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   482,970 6,314 SH   SOLE   0 0 6,314
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   298,167 6,601 SH   SOLE   0 0 6,601
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   1,318,229 12,495 SH   SOLE   0 0 12,495
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   1,838,925 38,455 SH   SOLE   0 0 38,455
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   304,508 3,667 SH   SOLE   0 0 3,667
VANGUARD INDEX FDS MID CAP ETF 922908629   591,842 2,806 SH   SOLE   0 0 2,806
VANGUARD INDEX FDS GROWTH ETF 922908736   3,094,580 12,406 SH   SOLE   0 0 12,406
VANGUARD INDEX FDS VALUE ETF 922908744   2,651,968 19,202 SH   SOLE   0 0 19,202
VANGUARD INDEX FDS SMALL CP ETF 922908751   426,510 2,250 SH   SOLE   0 0 2,250
VANGUARD INDEX FDS TOTAL STK MKT 922908769   565,867 2,773 SH   SOLE   0 0 2,773
WALMART INC COM 931142103   267,732 1,816 SH   SOLE   0 0 1,816
WILLIAMS COS INC COM 969457100   241,567 8,090 SH   SOLE   0 0 8,090
INVESCO QQQ TR UNIT SER 1 46090E103   2,213,037 6,896 SH   SOLE   0 0 6,896
TARGET CORP COM 87612E106   290,681 1,755 SH   SOLE   0 0 1,755
ABBVIE INC COM 00287Y109   473,170 2,969 SH   SOLE   0 0 2,969
ALPHABET INC CAP STK CL C 02079K107   393,640 3,785 SH   SOLE   0 0 3,785
ALPHABET INC CAP STK CL A 02079K305   928,695 8,953 SH   SOLE   0 0 8,953
CISCO SYS INC COM 17275R102   217,830 4,167 SH   SOLE   0 0 4,167
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203   1,035,842 38,436 SH   SOLE   0 0 38,436
DIMENSIONAL ETF TRUST EMGR CRE EQT MNG 25434V302   631,723 27,442 SH   SOLE   0 0 27,442
DIMENSIONAL ETF TRUST EMERGING MKTS HI 25434V757   203,611 8,617 SH   SOLE   0 0 8,617
DIMENSIONAL ETF TRUST INTL HIGH PROFIT 25434V765   379,691 15,703 SH   SOLE   0 0 15,703
DIMENSIONAL ETF TRUST US HIGH PROFITAB 25434V831   425,090 16,909 SH   SOLE   0 0 16,909
DOMINION ENERGY INC COM 25746U109   321,538 5,751 SH   SOLE   0 0 5,751
DUKE ENERGY CORP NEW COM NEW 26441C204   353,370 3,663 SH   SOLE   0 0 3,663
EATON VANCE TAX-MANAGED BUY- COM 27828Y108   365,058 28,904 SH   SOLE   0 0 28,904
EXXON MOBIL CORP COM 30231G102   700,186 6,385 SH   SOLE   0 0 6,385
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   2,825,269 19,536 SH   SOLE   0 0 19,536
INVESCO EXCHANGE TRADED FD T S&P 500 GARP ETF 46137V431   201,944 2,367 SH   SOLE   0 0 2,367
INVESCO EXCHANGE TRADED FD T ZACKS MID CAP 46137Y401   464,936 5,326 SH   SOLE   0 0 5,326
INVESCO EXCH TRD SLF IDX FD RAFI STRATGIC US 46138J742   219,215 5,724 SH   SOLE   0 0 5,724
ISHARES TR FLTG RATE NT ETF 46429B655   451,293 8,956 SH   SOLE   0 0 8,956
ISHARES TR CORE HIGH DV ETF 46429B663   392,176 3,858 SH   SOLE   0 0 3,858
ISHARES TR CORE MSCI EAFE 46432F842   4,457,948 66,686 SH   SOLE   0 0 66,686
ISHARES TR CORE 1 5 YR USD 46432F859   3,301,018 70,004 SH   SOLE   0 0 70,004
ISHARES INC CORE MSCI EMKT 46434G103   1,391,501 28,520 SH   SOLE   0 0 28,520
ISHARES TR BLACKROCK ULTRA 46434V878   668,943 13,312 SH   SOLE   0 0 13,312
ISHARES TR CORE MSCI INTL 46435G326   506,113 8,370 SH   SOLE   0 0 8,370
JPMORGAN CHASE & CO COM 46625H100   783,420 6,012 SH   SOLE   0 0 6,012
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   860,477 17,100 SH   SOLE   0 0 17,100
JANUS DETROIT STR TR HENDRSN SHRT ETF 47103U886   249,043 5,216 SH   SOLE   0 0 5,216
MERCK & CO INC COM 58933Y105   361,380 3,397 SH   SOLE   0 0 3,397
NETFLIX INC COM 64110L106   333,734 966 SH   SOLE   0 0 966
NVIDIA CORPORATION COM 67066G104   1,294,408 4,660 SH   SOLE   0 0 4,660
ORACLE CORP COM 68389X105   465,436 5,009 SH   SOLE   0 0 5,009
PGIM ETF TR PGIM ULTRA SH BD 69344A107   209,449 4,248 SH   SOLE   0 0 4,248
PACER FDS TR DEVELOPED MRKT 69374H873   208,130 7,029 SH   SOLE   0 0 7,029
PACER FDS TR US CASH COWS 100 69374H881   1,241,572 26,445 SH   SOLE   0 0 26,445
PROSHARES TR S&P TECH DIVIDEN 74347G606   200,195 3,273 SH   SOLE   0 0 3,273
SPDR S&P 500 ETF TR TR UNIT 78462F103   570,343 1,393 SH   SOLE   0 0 1,393
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100   216,930 2,689 SH   SOLE   0 0 2,689
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   540,352 4,174 SH   SOLE   0 0 4,174
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308   321,126 4,298 SH   SOLE   0 0 4,298
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407   1,137,836 7,609 SH   SOLE   0 0 7,609
SELECT SECTOR SPDR TR ENERGY 81369Y506   586,417 7,080 SH   SOLE   0 0 7,080
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   312,682 9,726 SH   SOLE   0 0 9,726
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704   489,329 4,836 SH   SOLE   0 0 4,836
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   581,165 3,849 SH   SOLE   0 0 3,849
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852   388,574 6,703 SH   SOLE   0 0 6,703
SELECT SECTOR SPDR TR RL EST SEL SEC 81369Y860   304,507 8,146 SH   SOLE   0 0 8,146
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886   892,467 13,185 SH   SOLE   0 0 13,185
UNITEDHEALTH GROUP INC COM 91324P102   525,047 1,111 SH   SOLE   0 0 1,111
VANGUARD WORLD FDS CONSUM STP ETF 92204A207   760,340 3,929 SH   SOLE   0 0 3,929
VANGUARD WORLD FDS ENERGY ETF 92204A306   509,009 4,456 SH   SOLE   0 0 4,456
VANGUARD WORLD FDS FINANCIALS ETF 92204A405   508,933 6,534 SH   SOLE   0 0 6,534
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504   369,453 1,549 SH   SOLE   0 0 1,549
VANGUARD WORLD FDS INDUSTRIAL ETF 92204A603   1,148,204 6,027 SH   SOLE   0 0 6,027
VANGUARD WORLD FDS INF TECH ETF 92204A702   2,661,670 6,905 SH   SOLE   0 0 6,905
VANGUARD WORLD FDS MATERIALS ETF 92204A801   332,346 1,869 SH   SOLE   0 0 1,869
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   3,226,125 55,110 SH   SOLE   0 0 55,110
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   5,990,648 78,586 SH   SOLE   0 0 78,586
VERIZON COMMUNICATIONS INC COM 92343V104   200,457 5,154 SH   SOLE   0 0 5,154
VICTORY PORTFOLIOS II VCTRYSHS USAA CR 92647N535   200,615 4,090 SH   SOLE   0 0 4,090