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
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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
AMERICAN EXPRESS CO COM 025816109   90,009 377 SH   SOLE   0 0 377
CONOCOPHILLIPS COM 20825C104   22,798 200 SH   SOLE   0 0 200
CORTEVA INC COM 22052L104   13,800 264 SH   SOLE   0 0 264
DOW INC COM 260557103   28,931 552 SH   SOLE   0 0 552
DUPONT DE NEMOURS INC COM 26614N102   44,552 552 SH   SOLE   0 0 552
INVESCO EXCH TRADED FD TR II SR LN ETF 46138G508   21,739,848 1,028,375 SH   SOLE   0 0 1,028,375
ISHARES SILVER TR ISHARES 46428Q109   21,510 750 SH   SOLE   0 0 750
ISHARES TR CORE S&P SCP ETF 464287804   16,218,251 147,131 SH   SOLE   0 0 147,131
ISHARES TR CORE S&P US GWT 464287671   12,690,671 96,831 SH   SOLE   0 0 96,831
ISHARES TR CORE S&P US VLU 464287663   18,359,755 205,114 SH   SOLE   0 0 205,114
ISHARES TR CORE S&P500 ETF 464287200   15,884,189 28,392 SH   SOLE   0 0 28,392
ISHARES TR MSCI INTL VLU FT 46435G409   8,218,041 289,164 SH   SOLE   0 0 289,164
ISHARES TR MSCI USA MIN VOL 46429B697   17,117,162 201,331 SH   SOLE   0 0 201,331
ISHARES TR S&P 500 VAL ETF 464287408   13,221,226 71,497 SH   SOLE   0 0 71,497
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   21,166,791 419,976 SH   SOLE   0 0 419,976
PGIM ETF TR PGIM ULTRA SH BD 69344A107   18,661,610 376,318 SH   SOLE   0 0 376,318
SELECT SECTOR SPDR TR ENERGY 81369Y506   4,307,104 47,703 SH   SOLE   0 0 47,703
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   4,057,744 96,064 SH   SOLE   0 0 96,064
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308   7,379,813 95,705 SH   SOLE   0 0 95,705
SPDR SER TR BLOOMBERG SHT TE 78468R408   7,409,840 295,566 SH   SOLE   0 0 295,566
SPDR SER TR S&P DIVID ETF 78464A763   10,881,157 84,226 SH   SOLE   0 0 84,226
VERIZON COMMUNICATIONS INC COM 92343V104   61,992 1,501 SH   SOLE   0 0 1,501