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
AMAZON COM INC COM 023135106 1,650 495 SH   SOLE   0 0 495
BOEING CO COM 097023105 206 1,022 SH   SOLE   0 0 1,022
CAPITAL ONE FINL CORP COM 14040H105 458 3,155 SH   SOLE   0 0 3,155
CHUBB LIMITED COM H1467J104 317 1,639 SH   SOLE   0 0 1,639
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852 218 2,800 SH   SOLE   0 0 2,800
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 221 1,079 SH   SOLE   0 0 1,079
DOVER CORP COM 260003108 240 1,322 SH   SOLE   0 0 1,322
DUKE ENERGY CORP NEW COM NEW 26441C204 200 1,907 SH   SOLE   0 0 1,907
LILLY ELI & CO COM 532457108 340 1,230 SH   SOLE   0 0 1,230
SELECT SECTOR SPDR TR FINANCIAL 81369Y605 428 10,966 SH   SOLE   0 0 10,966
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 229 1,624 SH   SOLE   0 0 1,624
INTEL CORP COM 458140100 319 6,200 SH   SOLE   0 0 6,200
ISHARES TR 0-5YR HI YL CP 46434V407 502 11,089 SH   SOLE   0 0 11,089
ISHARES TR 1 3 YR TREAS BD 464287457 3,228 37,732 SH   SOLE   0 0 37,732
ISHARES TR 20 YR TR BD ETF 464287432 4,216 28,448 SH   SOLE   0 0 28,448
ISHARES TR BARCLAYS 7 10 YR 464287440 209 1,820 SH   SOLE   0 0 1,820
ISHARES TR CORE MSCI EAFE 46432F842 1,489 19,944 SH   SOLE   0 0 19,944
ISHARES INC CORE MSCI EMKT 46434G103 722 12,058 SH   SOLE   0 0 12,058
ISHARES TR CORE MSCI INTL 46435G326 234 3,461 SH   SOLE   0 0 3,461
ISHARES TR FLTG RATE NT ETF 46429B655 484 9,543 SH   SOLE   0 0 9,543
ISHARES TR NATIONAL MUN ETF 464288414 379 3,256 SH   SOLE   0 0 3,256
ISHARES TR US TREAS BD ETF 46429B267 5,884 220,531 SH   SOLE   0 0 220,531
JOHNSON & JOHNSON COM 478160104 344 2,008 SH   SOLE   0 0 2,008
MARSH & MCLENNAN COS INC COM 571748102 403 2,319 SH   SOLE   0 0 2,319
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100 215 2,370 SH   SOLE   0 0 2,370
MERCK & CO INC COM 58933Y105 225 2,942 SH   SOLE   0 0 2,942
MICROSOFT CORP COM 594918104 2,168 6,445 SH   SOLE   0 0 6,445
NORTHROP GRUMMAN CORP COM 666807102 348 900 SH   SOLE   0 0 900
ORACLE CORP COM 68389X105 373 4,278 SH   SOLE   0 0 4,278
PROCTER AND GAMBLE CO COM 742718109 1,737 10,619 SH   SOLE   0 0 10,619
SPDR SER TR BLOOMBERG HIGH Y 78468R622 558 5,139 SH   SOLE   0 0 5,139
SPDR SER TR PORTFLI TIPS ETF 78464A656 254 8,057 SH   SOLE   0 0 8,057
SPDR SER TR PORTFOLIO S&P500 78464A854 1,217 21,790 SH   SOLE   0 0 21,790
PRICE T ROWE GROUP INC COM 74144T108 352 1,790 SH   SOLE   0 0 1,790
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 846 4,868 SH   SOLE   0 0 4,868
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 731 4,000 SH   SOLE   0 0 4,000
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 389 6,350 SH   SOLE   0 0 6,350
VANGUARD INTL EQUITY INDEX F FTSE PACIFIC ETF 922042866 220 2,817 SH   SOLE   0 0 2,817
VANGUARD INDEX FDS GROWTH ETF 922908736 3,395 10,579 SH   SOLE   0 0 10,579
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 356 3,842 SH   SOLE   0 0 3,842
VANGUARD WORLD FD MEGA GRWTH IND 921910816 8,014 30,732 SH   SOLE   0 0 30,732
VANGUARD WORLD FD MEGA CAP VAL ETF 921910840 5,841 54,679 SH   SOLE   0 0 54,679
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 2,115 8,307 SH   SOLE   0 0 8,307
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 1,984 13,195 SH   SOLE   0 0 13,195
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771 6,268 118,628 SH   SOLE   0 0 118,628
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 332 2,866 SH   SOLE   0 0 2,866
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 2,750 6,298 SH   SOLE   0 0 6,298
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 1,036 12,746 SH   SOLE   0 0 12,746
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 770 14,972 SH   SOLE   0 0 14,972
VANGUARD INDEX FDS SMALL CP ETF 922908751 775 3,428 SH   SOLE   0 0 3,428
VANGUARD INDEX FDS SML CP GRW ETF 922908595 1,106 3,924 SH   SOLE   0 0 3,924
VANGUARD INDEX FDS SM CP VAL ETF 922908611 2,577 14,411 SH   SOLE   0 0 14,411
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 1,101 12,995 SH   SOLE   0 0 12,995
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 4,773 86,538 SH   SOLE   0 0 86,538
VANGUARD INDEX FDS VALUE ETF 922908744 2,526 17,173 SH   SOLE   0 0 17,173
VERIZON COMMUNICATIONS INC COM 92343V104 501 9,643 SH   SOLE   0 0 9,643
LENNAR CORP CL A 526057104 203 1,748 SH   SOLE   0 0 1,748
BIO RAD LABS INC CL A 090572207 209 276 SH   SOLE   0 0 276
ISHARES TR MSCI USA MMENTM 46432F396 1,099 6,047 SH   SOLE   0 0 6,047
ISHARES TR MSCI USA MIN VOL 46429B697 1,621 20,034 SH   SOLE   0 0 20,034
PPL CORP COM 69351T106 213 7,072 SH   SOLE   0 0 7,072
ISHARES TR IBOXX INV CP ETF 464287242 7,460 56,290 SH   SOLE   0 0 56,290
CADENCE DESIGN SYSTEM INC COM 127387108 335 1,796 SH   SOLE   0 0 1,796
CVS HEALTH CORP COM 126650100 496 4,811 SH   SOLE   0 0 4,811
TARGET CORP COM 87612E106 422 1,824 SH   SOLE   0 0 1,824
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 923 18,654 SH   SOLE   0 0 18,654
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 2,958 57,924 SH   SOLE   0 0 57,924
VANGUARD BD INDEX FDS LONG TERM BOND 921937793 1,810 17,584 SH   SOLE   0 0 17,584
VANGUARD BD INDEX FDS INTERMED TERM 921937819 1,618 18,467 SH   SOLE   0 0 18,467
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 3,052 37,756 SH   SOLE   0 0 37,756
SPDR SER TR PORTFOLI S&P1500 78464A805 859 14,688 SH   SOLE   0 0 14,688
ISHARES TR ISHS 1-5YR INVS 464288646 853 15,823 SH   SOLE   0 0 15,823
INVESCO EXCHANGE TRADED FD T S&P500 EQL TEC 46137V282 464 1,432 SH   SOLE   0 0 1,432
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 578 3,551 SH   SOLE   0 0 3,551
SPDR S&P 500 ETF TR TR UNIT 78462F103 223 469 SH   SOLE   0 0 469
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 606 16,618 SH   SOLE   0 0 16,618
SPDR SER TR PORTFOLIO AGRGTE 78464A649 458 15,473 SH   SOLE   0 0 15,473
SPDR SER TR PORTFOLIO S&P400 78464A847 389 7,825 SH   SOLE   0 0 7,825
SPDR SER TR PORTFOLIO LN COR 78464A367 334 10,597 SH   SOLE   0 0 10,597
SSGA ACTIVE ETF TR SPDR TR TACTIC 78467V848 1,234 26,060 SH   SOLE   0 0 26,060
INVESCO ACTIVLY MANGD ETC FD OPTIMUM YIELD 46090F100 209 14,870 SH   SOLE   0 0 14,870
SPDR SER TR PORTFOLIO S&P600 78468R853 325 7,277 SH   SOLE   0 0 7,277
ISHARES TR ISHS 5-10YR INVT 464288638 1,514 25,545 SH   SOLE   0 0 25,545
ISHARES TR IBOXX HI YD ETF 464288513 1,720 19,771 SH   SOLE   0 0 19,771
KINDER MORGAN INC DEL COM 49456B101 162 10,185 SH   SOLE   0 0 10,185
WILLIAMS COS INC COM 969457100 293 11,267 SH   SOLE   0 0 11,267
D R HORTON INC COM 23331A109 211 1,947 SH   SOLE   0 0 1,947
SELECT SECTOR SPDR TR ENERGY 81369Y506 461 8,307 SH   SOLE   0 0 8,307
ISHARES TR 3 7 YR TREAS BD 464288661 1,510 11,732 SH   SOLE   0 0 11,732
GENERAL MLS INC COM 370334104 321 4,766 SH   SOLE   0 0 4,766
PFIZER INC COM 717081103 646 10,940 SH   SOLE   0 0 10,940
APPLE INC COM 037833100 7,618 42,901 SH   SOLE   0 0 42,901
AMGEN INC COM 031162100 306 1,361 SH   SOLE   0 0 1,361
OMNICOM GROUP INC COM 681919106 234 3,196 SH   SOLE   0 0 3,196
ALPHABET INC CAP STK CL A 02079K305 667 230 SH   SOLE   0 0 230
CISCO SYS INC COM 17275R102 392 6,186 SH   SOLE   0 0 6,186
AFLAC INC COM 001055102 276 4,734 SH   SOLE   0 0 4,734
GILEAD SCIENCES INC COM 375558103 262 3,611 SH   SOLE   0 0 3,611
META PLATFORMS INC CL A 30303M102 673 2,002 SH   SOLE   0 0 2,002
ALLSTATE CORP COM 020002101 212 1,806 SH   SOLE   0 0 1,806
QUEST DIAGNOSTICS INC COM 74834L100 287 1,659 SH   SOLE   0 0 1,659
UNITED RENTALS INC COM 911363109 482 1,452 SH   SOLE   0 0 1,452
SEMPRA COM 816851109 206 1,558 SH   SOLE   0 0 1,558
METLIFE INC COM 59156R108 415 6,643 SH   SOLE   0 0 6,643
LABORATORY CORP AMER HLDGS COM NEW 50540R409 286 909 SH   SOLE   0 0 909
NEXTERA ENERGY INC COM 65339F101 2,925 31,325 SH   SOLE   0 0 31,325
ABBVIE INC COM 00287Y109 287 2,123 SH   SOLE   0 0 2,123
ISHARES TR S&P 500 GRWT ETF 464287309 327 3,905 SH   SOLE   0 0 3,905
ADOBE SYSTEMS INCORPORATED COM 00724F101 338 596 SH   SOLE   0 0 596
FACTSET RESH SYS INC COM 303075105 286 589 SH   SOLE   0 0 589
CORNING INC COM 219350105 272 7,295 SH   SOLE   0 0 7,295
QUALCOMM INC COM 747525103 332 1,816 SH   SOLE   0 0 1,816
KRANESHARES TR QUADRTC INT RT 500767736 554 20,632 SH   SOLE   0 0 20,632
ISHARES INC MSCI EMRG CHN 46434G764 278 4,585 SH   SOLE   0 0 4,585
ISHARES TR CORE S&P TTL STK 464287150 514 4,805 SH   SOLE   0 0 4,805
VICTORY PORTFOLIOS II VICTORYSHS SHORT 92647N535 280 5,453 SH   SOLE   0 0 5,453
FIRST TR EXCHANGE-TRADED FD SENIOR LN FD 33738D309 271 5,661 SH   SOLE   0 0 5,661
SPDR INDEX SHS FDS PORTFLO EURP ETF 78463X103 347 8,152 SH   SOLE   0 0 8,152
SPDR SER TR PORTFOLIO LN TSR 78464A664 264 6,259 SH   SOLE   0 0 6,259
ISHARES TR S&P 500 VAL ETF 464287408 302 1,926 SH   SOLE   0 0 1,926
PUBLIC STORAGE COM 74460D109 400 1,067 SH   SOLE   0 0 1,067
CATERPILLAR INC COM 149123101 246 1,191 SH   SOLE   0 0 1,191