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
ABBVIE INC COM 00287Y109   374,439 2,512 SH   SOLE   0 0 2,512
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   215,898 703 SH   SOLE   0 0 703
ALPHABET INC CAP STK CL C 02079K107   499,052 3,785 SH   SOLE   0 0 3,785
ALPHABET INC CAP STK CL A 02079K305   1,024,765 7,831 SH   SOLE   0 0 7,831
AMAZON COM INC COM 023135106   1,159,716 9,123 SH   SOLE   0 0 9,123
APPLE INC COM 037833100   3,831,337 22,378 SH   SOLE   0 0 22,378
APPLIED MATLS INC COM 038222105   341,002 2,463 SH   SOLE   0 0 2,463
ARISTA NETWORKS INC COM 040413106   302,749 1,646 SH   SOLE   0 0 1,646
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   530,354 1,514 SH   SOLE   0 0 1,514
CATERPILLAR INC COM 149123101   380,289 1,393 SH   SOLE   0 0 1,393
CHEVRON CORP NEW COM 166764100   666,723 3,954 SH   SOLE   0 0 3,954
COCA COLA CO COM 191216100   225,725 4,032 SH   SOLE   0 0 4,032
COSTCO WHSL CORP NEW COM 22160K105   218,075 386 SH   SOLE   0 0 386
DEERE & CO COM 244199105   316,999 840 SH   SOLE   0 0 840
DIMENSIONAL ETF TRUST EMGR CRE EQT MNG 25434V302   1,083,896 48,024 SH   SOLE   0 0 48,024
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203   1,480,292 56,694 SH   SOLE   0 0 56,694
DIMENSIONAL ETF TRUST INTL HIGH PROFIT 25434V765   349,143 15,056 SH   SOLE   0 0 15,056
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500   620,531 11,822 SH   SOLE   0 0 11,822
DIMENSIONAL ETF TRUST US HIGH PROFITAB 25434V831   215,218 8,378 SH   SOLE   0 0 8,378
DOMINION ENERGY INC COM 25746U109   239,029 5,351 SH   SOLE   0 0 5,351
DUKE ENERGY CORP NEW COM NEW 26441C204   425,590 4,822 SH   SOLE   0 0 4,822
EATON VANCE TAX-MANAGED BUY- COM 27828Y108   150,738 12,593 SH   SOLE   0 0 12,593
ELI LILLY & CO COM 532457108   1,116,693 2,079 SH   SOLE   0 0 2,079
EMERSON ELEC CO COM 291011104   265,568 2,750 SH   SOLE   0 0 2,750
EXXON MOBIL CORP COM 30231G102   611,306 5,199 SH   SOLE   0 0 5,199
FIDELITY COVINGTON TRUST MSCI RL EST ETF 316092857   610,576 26,839 SH   SOLE   0 0 26,839
FIDELITY COVINGTON TRUST MSCI COMMNTN SVC 316092873   901,793 22,709 SH   SOLE   0 0 22,709
FIDELITY COVINGTON TRUST MSCI FINLS IDX 316092501   1,229,709 26,411 SH   SOLE   0 0 26,411
FIDELITY COVINGTON TRUST MSCI HLTH CARE I 316092600   1,525,083 25,175 SH   SOLE   0 0 25,175
FIDELITY COVINGTON TRUST MSCI CONSM DIS 316092204   281,649 4,032 SH   SOLE   0 0 4,032
FIDELITY COVINGTON TRUST CONSMR STAPLES 316092303   225,587 5,298 SH   SOLE   0 0 5,298
FIDELITY COVINGTON TRUST MSCI ENERGY IDX 316092402   235,954 9,472 SH   SOLE   0 0 9,472
FIDELITY COVINGTON TRUST MSCI INDL INDX 316092709   220,606 4,076 SH   SOLE   0 0 4,076
FIDELITY COVINGTON TRUST MSCI INFO TECH I 316092808   898,990 7,313 SH   SOLE   0 0 7,313
FIDELITY MERRIMACK STR TR LOW DURTIN ETF 316188408   517,856 10,453 SH   SOLE   0 0 10,453
FRANKLIN TEMPLETON ETF TR INTL COR DIV TIL 35473P108   371,813 13,322 SH   SOLE   0 0 13,322
GLOBAL X FDS NASDAQ 100 COVER 37954Y483   192,553 11,482 SH   SOLE   0 0 11,482
HARTFORD FDS EXCHANGE TRADED SCHRDRS TAX BD 41653L404   219,459 12,012 SH   SOLE   0 0 12,012
HOME DEPOT INC COM 437076102   613,385 2,030 SH   SOLE   0 0 2,030
HONEYWELL INTL INC COM 438516106   320,524 1,735 SH   SOLE   0 0 1,735
INTEL CORP COM 458140100   1,055,622 29,694 SH   SOLE   0 0 29,694
INTERNATIONAL BUSINESS MACHS COM 459200101   271,340 1,934 SH   SOLE   0 0 1,934
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   3,707,695 26,168 SH   SOLE   0 0 26,168
INVESCO EXCHANGE TRADED FD T S&P500 QUALITY 46137V241   504,162 10,075 SH   SOLE   0 0 10,075
INVESCO QQQ TR UNIT SER 1 46090E103   1,733,270 4,838 SH   SOLE   0 0 4,838
ISHARES GOLD TR ISHARES NEW 464285204   596,440 17,046 SH   SOLE   0 0 17,046
ISHARES INC CORE MSCI EMKT 46434G103   1,474,745 30,989 SH   SOLE   0 0 30,989
ISHARES TR SELECT DIVID ETF 464287168   381,853 3,548 SH   SOLE   0 0 3,548
ISHARES TR 1 3 YR TREAS BD 464287457   7,555,219 93,309 SH   SOLE   0 0 93,309
ISHARES TR SHORT TREAS BD 464288679   5,290,329 47,889 SH   SOLE   0 0 47,889
ISHARES TR CORE MSCI EAFE 46432F842   5,235,535 81,360 SH   SOLE   0 0 81,360
ISHARES TR CORE S&P MCP ETF 464287507   1,891,169 7,584 SH   SOLE   0 0 7,584
ISHARES TR CORE S&P SCP ETF 464287804   2,875,119 30,479 SH   SOLE   0 0 30,479
ISHARES TR CORE S&P US GWT 464287671   9,805,728 103,403 SH   SOLE   0 0 103,403
ISHARES TR CORE S&P US VLU 464287663   7,524,438 100,837 SH   SOLE   0 0 100,837
ISHARES TR S&P 100 ETF 464287101   326,642 1,628 SH   SOLE   0 0 1,628
ISHARES TR CORE S&P500 ETF 464287200   993,228 2,313 SH   SOLE   0 0 2,313
ISHARES TR CORE MSCI INTL 46435G326   335,739 5,761 SH   SOLE   0 0 5,761
ISHARES TR YLD OPTIM BD 46434V787   686,250 32,106 SH   SOLE   0 0 32,106
ISHARES TR CORE S&P TTL STK 464287150   230,808 2,450 SH   SOLE   0 0 2,450
ISHARES TR CORE 1 5 YR USD 46432F859   739,993 15,955 SH   SOLE   0 0 15,955
ISHARES TR CORE HIGH DV ETF 46429B663   292,418 2,957 SH   SOLE   0 0 2,957
ISHARES TR 7-10 YR TRSY BD 464287440   304,834 3,328 SH   SOLE   0 0 3,328
ISHARES TR 0-5YR INVT GR CP 46434V100   225,183 4,692 SH   SOLE   0 0 4,692
ISHARES TR BLACKROCK ULTRA 46434V878   546,733 10,852 SH   SOLE   0 0 10,852
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   551,382 10,988 SH   SOLE   0 0 10,988
J P MORGAN EXCHANGE TRADED F NASDAQ EQT PREM 46654Q203   372,343 7,934 SH   SOLE   0 0 7,934
JOHNSON & JOHNSON COM 478160104   856,937 5,502 SH   SOLE   0 0 5,502
JPMORGAN CHASE & CO COM 46625H100   1,024,707 7,066 SH   SOLE   0 0 7,066
LOCKHEED MARTIN CORP COM 539830109   284,227 695 SH   SOLE   0 0 695
LOWES COS INC COM 548661107   350,418 1,686 SH   SOLE   0 0 1,686
MCDONALDS CORP COM 580135101   300,190 1,140 SH   SOLE   0 0 1,140
MERCK & CO INC COM 58933Y105   379,860 3,690 SH   SOLE   0 0 3,690
MICROSOFT CORP COM 594918104   2,434,748 7,711 SH   SOLE   0 0 7,711
NETFLIX INC COM 64110L106   473,888 1,255 SH   SOLE   0 0 1,255
NVIDIA CORPORATION COM 67066G104   1,698,201 3,904 SH   SOLE   0 0 3,904
ORACLE CORP COM 68389X105   455,986 4,305 SH   SOLE   0 0 4,305
PACER FDS TR PACER US SMALL 69374H857   791,050 18,970 SH   SOLE   0 0 18,970
PACER FDS TR US CASH COWS 100 69374H881   718,961 14,545 SH   SOLE   0 0 14,545
PEPSICO INC COM 713448108   599,140 3,536 SH   SOLE   0 0 3,536
PFIZER INC COM 717081103   237,663 7,165 SH   SOLE   0 0 7,165
PGIM ETF TR PGIM ULTRA SH BD 69344A107   237,413 4,797 SH   SOLE   0 0 4,797
PROCTER AND GAMBLE CO COM 742718109   1,714,293 11,753 SH   SOLE   0 0 11,753
PROSHARES TR S&P TECH DIVIDEN 74347G606   431,530 6,944 SH   SOLE   0 0 6,944
QUALCOMM INC COM 747525103   376,049 3,386 SH   SOLE   0 0 3,386
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755   686,579 21,679 SH   SOLE   0 0 21,679
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771   634,533 11,337 SH   SOLE   0 0 11,337
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   599,141 8,467 SH   SOLE   0 0 8,467
SELECT SECTOR SPDR TR ENERGY 81369Y506   1,124,578 12,441 SH   SOLE   0 0 12,441
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   2,132,756 16,566 SH   SOLE   0 0 16,566
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886   1,054,207 17,889 SH   SOLE   0 0 17,889
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852   1,407,018 21,458 SH   SOLE   0 0 21,458
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407   2,328,827 14,467 SH   SOLE   0 0 14,467
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308   1,030,777 14,980 SH   SOLE   0 0 14,980
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   1,371,379 41,344 SH   SOLE   0 0 41,344
SELECT SECTOR SPDR TR INDL 81369Y704   1,343,349 13,251 SH   SOLE   0 0 13,251
SELECT SECTOR SPDR TR RL EST SEL SEC 81369Y860   558,496 16,393 SH   SOLE   0 0 16,393
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   2,893,087 17,648 SH   SOLE   0 0 17,648
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100   422,980 5,385 SH   SOLE   0 0 5,385
SPDR S&P 500 ETF TR TR UNIT 78462F103   671,022 1,570 SH   SOLE   0 0 1,570
TRANE TECHNOLOGIES PLC SHS G8994E103   202,910 1,000 SH   SOLE   0 0 1,000
UNION PAC CORP COM 907818108   396,875 1,949 SH   SOLE   0 0 1,949
UNITEDHEALTH GROUP INC COM 91324P102   441,166 875 SH   SOLE   0 0 875
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   353,825 4,707 SH   SOLE   0 0 4,707
VANGUARD BD INDEX FDS VANGUARD ULTRA 92203C303   232,668 4,730 SH   SOLE   0 0 4,730
VANGUARD INDEX FDS TOTAL STK MKT 922908769   532,830 2,509 SH   SOLE   0 0 2,509
VANGUARD INDEX FDS MID CAP ETF 922908629   496,652 2,385 SH   SOLE   0 0 2,385
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   239,010 3,159 SH   SOLE   0 0 3,159
VANGUARD INDEX FDS SMALL CP ETF 922908751   436,374 2,308 SH   SOLE   0 0 2,308
VANGUARD INDEX FDS GROWTH ETF 922908736   3,682,885 13,525 SH   SOLE   0 0 13,525
VANGUARD INDEX FDS VALUE ETF 922908744   3,640,664 26,395 SH   SOLE   0 0 26,395
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   1,776,722 37,579 SH   SOLE   0 0 37,579
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   6,348,384 84,476 SH   SOLE   0 0 84,476
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   2,892,628 50,219 SH   SOLE   0 0 50,219
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   328,285 4,321 SH   SOLE   0 0 4,321
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706   1,135,428 19,868 SH   SOLE   0 0 19,868
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   1,344,192 8,651 SH   SOLE   0 0 8,651
VANGUARD STAR FDS VG TL INTL STK F 921909768   975,402 18,225 SH   SOLE   0 0 18,225
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   711,980 16,285 SH   SOLE   0 0 16,285
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   1,215,924 11,769 SH   SOLE   0 0 11,769
VANGUARD WORLD FDS CONSUM STP ETF 92204A207   757,350 4,146 SH   SOLE   0 0 4,146
VANGUARD WORLD FDS INDUSTRIAL ETF 92204A603   1,227,789 6,297 SH   SOLE   0 0 6,297
VANGUARD WORLD FDS INF TECH ETF 92204A702   2,687,307 6,477 SH   SOLE   0 0 6,477
VANGUARD WORLD FDS MATERIALS ETF 92204A801   353,666 2,050 SH   SOLE   0 0 2,050
VANGUARD WORLD FDS ENERGY ETF 92204A306   602,649 4,755 SH   SOLE   0 0 4,755
VANGUARD WORLD FDS CONSUM DIS ETF 92204A108   343,177 1,274 SH   SOLE   0 0 1,274
VANGUARD WORLD FDS FINANCIALS ETF 92204A405   517,502 6,443 SH   SOLE   0 0 6,443
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504   398,638 1,696 SH   SOLE   0 0 1,696
WALMART INC COM 931142103   284,316 1,778 SH   SOLE   0 0 1,778
WILLIAMS COS INC COM 969457100   272,552 8,090 SH   SOLE   0 0 8,090
WISDOMTREE TR EMER MKT HIGH FD 97717W315   534,767 14,268 SH   SOLE   0 0 14,268