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
SPDR PORTFOLIO AGGREGATE BOND ETF ETF 78464A649 1,515 60,704 SH   SOLE 0 60,304 0 400
ISHARES CORE INTERNATIONAL AGGREGATE BOND ETF ETF 46435G672 1,450 29,999 SH   SOLE 0 28,712 0 1,287
DOLLAR GEN CORP NEW COM Stock 256677105 276 1,150 SH   SOLE 0 1,150 0 0
JOHNSON & JOHNSON COM Stock 478160104 412 2,520 SH   SOLE 0 2,520 0 0
ISHARES MSCI INTL VALUE FACTOR ETF ETF 46435G409 1,500 75,940 SH   SOLE 0 70,569 0 5,371
COSTCO WHSL CORP NEW COM Stock 22160K105 289 612 SH   SOLE 0 580 0 32
ISHARES MSCI EMERGING MARKETS ETF ETF 464287234 1,556 44,608 SH   SOLE 0 44,273 0 335
COCA COLA CO COM Stock 191216100 280 5,000 SH   SOLE 0 5,000 0 0
GENERAL MLS INC COM Stock 370334104 264 3,443 SH   SOLE 0 3,443 0 0
ISHARES U.S. ENERGY ETF ETF 464287796 463 11,788 SH   SOLE 0 11,788 0 0
INVESCO BULLETSHARES 2025 CORPORATE BOND ETF ETF 46138J825 20,971 1,051,463 SH   SOLE 0 975,007 0 76,456
VANGUARD REAL ESTATE ETF ETF 922908553 1,474 18,389 SH   SOLE 0 18,389 0 0
ISHARES U.S. FIXED INCOME BALANCED RISK FACTOR ETF ETF 46435U796 1,786 21,792 SH   SOLE 0 21,792 0 0
MERCK & CO INC COM Stock 58933Y105 263 3,050 SH   SOLE 0 3,050 0 0
SPDR S&P 500 ETF TRUST ETF 78462F103 484 1,356 SH   SOLE 0 1,356 0 0
ISHARES CORE CONSERVATIVE ALLOCATION ETF ETF 464289883 1,526 46,782 SH   SOLE 0 46,782 0 0
ISHARES TIPS BOND ETF ETF 464287176 1,541 14,689 SH   SOLE 0 14,689 0 0
FIRST TRUST NASDAQ SEMICONDUCTOR ETF ETF 33738R811 317 6,500 SH   SOLE 0 6,500 0 0
JANUS HENDERSON SHORT DURATION INCOME ETF ETF 47103U886 1,273 26,250 SH   SOLE 0 26,250 0 0
ISHARES S&P 100 ETF ETF 464287101 1,134 6,977 SH   SOLE 0 6,977 0 0
VERIZON COMMUNICATIONS INC COM Stock 92343V104 317 8,349 SH   SOLE 0 8,349 0 0
PEPSICO INC COM Stock 713448108 346 2,122 SH   SOLE 0 2,122 0 0
ISHARES 1-3 YEAR TREASURY BOND ETF ETF 464287457 2,116 26,060 SH   SOLE 0 25,935 0 125
FIRST TRUST TCW OPPORTUNISTIC FIXED INCOME ETF ETF 33740F805 711 16,323 SH   SOLE 0 16,323 0 0
HONEYWELL INTL INC COM Stock 438516106 292 1,750 SH   SOLE 0 1,750 0 0
XTRACKERS USD HIGH YIELD CORPORATE BOND ETF ETF 233051432 1,095 33,440 SH   SOLE 0 33,440 0 0
ISHARES ESG AWARE MSCI USA ETF ETF 46435G425 40,205 506,292 SH   SOLE 0 481,684 0 24,608
HEALTH CARE SELECT SECTOR SPDR FUND ETF 81369Y209 303 2,505 SH   SOLE 0 2,505 0 0
SPDR GOLD SHARES ETF 78463V107 1,205 7,788 SH   SOLE 0 7,700 0 88
JPMORGAN ULTRA-SHORT INCOME ETF ETF 46641Q837 4,907 97,819 SH   SOLE 0 97,619 0 200
SPDR PORTFOLIO SHORT TERM CORPORATE BOND ETF ETF 78464A474 312 10,689 SH   SOLE 0 10,689 0 0
PIMCO ENHANCED SHORT MATURITY ACTIVE ETF ETF 72201R833 2,132 21,561 SH   SOLE 0 21,386 0 175
ISHARES CORE S&P SMALL CAP ETF ETF 464287804 1,355 15,544 SH   SOLE 0 14,970 0 574
FIRST TRUST LARGE CAP VALUE ALPHADEX FUND ETF 33735J101 774 13,412 SH   SOLE 0 13,412 0 0
MICROSOFT CORP COM Stock 594918104 321 1,380 SH   SOLE 0 1,088 0 292
CVS HEALTH CORP COM Stock 126650100 319 3,350 SH   SOLE 0 3,350 0 0
ISHARES EUROPE ETF ETF 464287861 1,109 29,372 SH   SOLE 0 29,372 0 0
INVESCO BULLETSHARES 2026 CORPORATE BOND ETF ETF 46138J791 20,732 1,112,237 SH   SOLE 0 1,032,706 0 79,531
FIRST TRUST TCW UNCONSTRAINED PLUS BOND ETF ETF 33740F888 334 14,037 SH   SOLE 0 14,037 0 0
VANGUARD INTERMEDIATE-TERM TREASURY ETF ETF 92206C706 3,011 51,637 SH   SOLE 0 51,637 0 0
VANGUARD SMALL-CAP ETF ETF 922908751 13,023 76,196 SH   SOLE 0 72,116 0 4,079
VANGUARD SHORT-TERM TREASURY ETF ETF 92206C102 327 5,662 SH   SOLE 0 2,066 0 3,596
FIRST TRUST INDUSTRIALS/PRODUCER DURABLES ALPHADEX FUND ETF 33734X150 746 16,225 SH   SOLE 0 16,225 0 0
VANGUARD S&P 500 ETF ETF 922908363 209 638 SH   SOLE 0 335 0 303
ISHARES RUSSELL TOP 200 VALUE ETF ETF 464289420 1,273 22,054 SH   SOLE 0 22,054 0 0
ISHARES ESG MSCI USA LEADERS ETF ETF 46435U218 2,768 44,819 SH   SOLE 0 44,819 0 0
ISHARES 0-5 YEAR TIPS BOND ETF ETF 46429B747 2,119 22,052 SH   SOLE 0 21,062 0 990
ISHARES MSCI EAFE GROWTH ETF ETF 464288885 2,672 36,826 SH   SOLE 0 36,826 0 0
LILLY ELI & CO COM Stock 532457108 577 1,784 SH   SOLE 0 1,784 0 0
VANGUARD MORTGAGE-BACKED SECURITIES ETF ETF 92206C771 23,678 525,123 SH   SOLE 0 483,580 0 41,543
ISHARES RUSSELL 2000 ETF ETF 464287655 212 1,283 SH   SOLE 0 1,090 0 193
INVESCO S&P 500 LOW VOLATILITY ETF ETF 46138E354 1,821 31,487 SH   SOLE 0 31,487 0 0
FIRST TRUST EMERGING MARKETS ALPHADEX FUND ETF 33737J182 412 22,275 SH   SOLE 0 22,275 0 0
ISHARES SELECT DIVIDEND ETF ETF 464287168 247 2,304 SH   SOLE 0 2,304 0 0
ISHARES MSCI EAFE VALUE ETF ETF 464288877 577 14,976 SH   SOLE 0 14,976 0 0
ISHARES MSCI EMERGING MARKETS MIN VOL FACTOR ETF ETF 464286533 901 17,769 SH   SOLE 0 17,769 0 0
DIMENSIONAL U.S. TARGETED VALUE ETF ETF 25434V609 357 9,154 SH   SOLE 0 9,154 0 0
ISHARES MSCI EAFE MIN VOL FACTOR ETF ETF 46429B689 765 13,425 SH   SOLE 0 13,425 0 0
HERSHEY CO COM Stock 427866108 206 935 SH   SOLE 0 935 0 0
ISHARES MSCI USA MIN VOL FACTOR ETF ETF 46429B697 10,718 162,146 SH   SOLE 0 154,729 0 7,416
DIMENSIONAL INTERNATIONAL VALUE ETF ETF 25434V807 21,050 817,172 SH   SOLE 0 772,528 0 44,644
ISHARES U.S. TREASURY BOND ETF ETF 46429B267 336 14,775 SH   SOLE 0 14,775 0 0
ELBIT SYS LTD ORD Stock M3760D101 506 2,660 SH   SOLE 0 2,660 0 0
ISHARES CORE S&P TOTAL U.S. STOCK MARKET ETF ETF 464287150 28,875 363,023 SH   SOLE 0 339,091 0 23,932
FIRST TRUST CAPITAL STRENGTH ETF ETF 33733E104 844 12,714 SH   SOLE 0 12,714 0 0
GLOBAL X MLP ETF ETF 37954Y343 412 10,439 SH   SOLE 0 10,439 0 0
VANGUARD SHORT-TERM INFLATION-PROTECTED SECURITIES ETF ETF 922020805 32,258 670,509 SH   SOLE 0 625,116 0 45,393
FLOWERS FOODS INC COM Stock 343498101 352 14,275 SH   SOLE 0 14,275 0 0
ISHARES CORE MSCI EAFE ETF ETF 46432F842 20,136 382,310 SH   SOLE 0 360,266 0 22,044
KROGER CO COM Stock 501044101 233 5,325 SH   SOLE 0 5,325 0 0
SPDR BLOOMBERG INVESTMENT GRADE FLOATING RATE ETF ETF 78468R200 1,895 62,534 SH   SOLE 0 62,534 0 0
ISHARES 1-5 YEAR INVESTMENT GRADE CORPORATE BOND ETF ETF 464288646 664 13,478 SH   SOLE 0 13,478 0 0
EATON VANCE TAX-MANAGED DIVERS COM CEF 27828N102 1,439 132,469 SH   SOLE 0 132,469 0 0
ISHARES CORE MSCI EMERGING MARKETS ETF ETF 46434G103 17,796 414,046 SH   SOLE 0 391,983 0 22,063
VANGUARD TOTAL BOND MARKET ETF ETF 921937835 426 5,978 SH   SOLE 0 5,978 0 0
ISHARES CORE 1-5 YEAR USD BOND ETF ETF 46432F859 2,355 51,091 SH   SOLE 0 39,835 0 11,256
INVESCO S&P SMALLCAP LOW VOLATILITY ETF ETF 46138G102 733 18,079 SH   SOLE 0 18,079 0 0
ISHARES ESG AWARE MSCI EM ETF ETF 46434G863 1,114 40,272 SH   SOLE 0 40,272 0 0
FIRST TRUST TACTICAL HIGH YIELD ETF ETF 33738D408 1,057 27,588 SH   SOLE 0 27,588 0 0
INVESCO S&P MIDCAP LOW VOLATILITY ETF ETF 46138E198 1,029 21,418 SH   SOLE 0 21,418 0 0
ADVISORSHARES NEWFLEET MULTI-SECTOR INCOME ETF ETF 00768Y727 1,012 22,606 SH   SOLE 0 22,606 0 0
GENERAL DYNAMICS CORP COM Stock 369550108 302 1,425 SH   SOLE 0 1,425 0 0
VANGUARD TOTAL INTERNATIONAL BOND ETF ETF 92203J407 12,920 270,680 SH   SOLE 0 246,446 0 24,234
ISHARES RUSSELL MIDCAP ETF ETF 464287499 454 7,305 SH   SOLE 0 6,655 0 650
VANGUARD INTERMEDIATE-TERM BOND ETF ETF 921937819 422 5,742 SH   SOLE 0 5,542 0 200
SPDR PORTFOLIO SHORT TERM TREASURY ETF ETF 78468R101 1,505 52,075 SH   SOLE 0 51,675 0 400
ISHARES S&P SMALL-CAP 600 GROWTH ETF ETF 464287887 1,256 12,358 SH   SOLE 0 12,358 0 0
ISHARES U.S. TECHNOLOGY ETF ETF 464287721 940 12,817 SH   SOLE 0 12,817 0 0
ISHARES CORE S&P 500 ETF ETF 464287200 60,837 169,627 SH   SOLE 0 163,767 0 5,860
INVESCO BULLETSHARES 2022 CORPORATE BOND ETF ETF 46138J882 772 36,431 SH   SOLE 0 2,968 0 33,463
UNION PAC CORP COM Stock 907818108 701 3,600 SH   SOLE 0 3,600 0 0
ISHARES MBS ETF ETF 464288588 1,746 19,067 SH   SOLE 0 17,897 0 1,170
ISHARES 10-20 YEAR TREASURY BOND ETF ETF 464288653 373 3,427 SH   SOLE 0 3,427 0 0
NORTHROP GRUMMAN CORP COM Stock 666807102 534 1,136 SH   SOLE 0 1,136 0 0
LOCKHEED MARTIN CORP COM Stock 539830109 316 819 SH   SOLE 0 819 0 0
CHEVRON CORP NEW COM Stock 166764100 304 2,116 SH   SOLE 0 2,116 0 0
ALBEMARLE CORP COM Stock 012653101 555 2,100 SH   SOLE 0 2,100 0 0
VANGUARD FTSE DEVELOPED MARKETS ETF ETF 921943858 227 6,254 SH   SOLE 0 4,875 0 1,379
FIRST TRUST GLOBAL TACTICAL COMMODITY STRATEGY FUND ETF 33739H101 1,518 59,900 SH   SOLE 0 59,900 0 0
ISHARES MORTGAGE REAL ESTATE ETF ETF 46435G342 547 26,099 SH   SOLE 0 26,099 0 0
VANGUARD FTSE EMERGING MARKETS ETF ETF 922042858 263 7,221 SH   SOLE 0 4,097 0 3,124
PFIZER INC COM Stock 717081103 537 12,275 SH   SOLE 0 11,883 0 392
ISHARES IBOXX $ INVESTMENT GRADE CORPORATE BOND ETF ETF 464287242 799 7,799 SH   SOLE 0 7,799 0 0
ISHARES 0-5 YEAR INVESTMENT GRADE CORPORATE BOND ETF ETF 46434V100 546 11,515 SH   SOLE 0 11,515 0 0
ISHARES MSCI USA VALUE FACTOR ETF ETF 46432F388 13,686 167,185 SH   SOLE 0 157,888 0 9,297
AMGEN INC COM Stock 031162100 220 975 SH   SOLE 0 975 0 0
VANGUARD DIVIDEND APPRECIATION ETF ETF 921908844 289 2,141 SH   SOLE 0 2,141 0 0
ISHARES CORE U.S. AGGREGATE BOND ETF ETF 464287226 481 4,989 SH   SOLE 0 4,989 0 0
ISHARES 20 YEAR TREASURY BOND ETF ETF 464287432 533 5,207 SH   SOLE 0 5,207 0 0
ISHARES GLOBAL REIT ETF ETF 46434V647 657 30,880 SH   SOLE 0 30,880 0 0
FIRST TRUST ENHANCED SHORT MATURITY ETF ETF 33739Q408 2,162 36,444 SH   SOLE 0 36,444 0 0
ISHARES INTERMEDIATE GOVERNMENT/CREDIT BOND ETF ETF 464288612 532 5,231 SH   SOLE 0 5,231 0 0
INVESCO BULLETSHARES 2023 CORPORATE BOND ETF ETF 46138J866 21,485 1,029,454 SH   SOLE 0 949,563 0 79,891
INVESCO BULLETSHARES 2024 CORPORATE BOND ETF ETF 46138J841 21,102 1,034,914 SH   SOLE 0 959,986 0 74,928
VANGUARD SHORT-TERM BOND ETF ETF 921937827 207,758 2,776,770 SH   SOLE 0 2,581,271 0 195,499
ISHARES GLOBAL INFRASTRUCTURE ETF ETF 464288372 563 13,449 SH   SOLE 0 13,449 0 0
ISHARES U.S. ETF TRUST ISHARES GSCI COMMODITY DYNAMIC ROLL STRATEGY ETF ETF 46431W853 384 10,757 SH   SOLE 0 10,757 0 0
EXXON MOBIL CORP COM Stock 30231G102 940 10,770 SH   SOLE 0 10,770 0 0
FIRST TRUST LOW DURATION OPPORTUNITIES ETF ETF 33739Q200 3,736 78,902 SH   SOLE 0 78,902 0 0
FIRST TRUST VALUE LINE DIVIDEND INDEX FUND ETF 33734H106 868 24,250 SH   SOLE 0 24,250 0 0
ISHARES CORE S&P MID-CAP ETF ETF 464287507 1,687 7,694 SH   SOLE 0 7,694 0 0
FIRST TRUST LARGE CAP GROWTH ALPHADEX FUND ETF 33735K108 877 10,247 SH   SOLE 0 10,247 0 0
ISHARES MSCI EAFE ETF ETF 464287465 1,909 34,084 SH   SOLE 0 33,419 0 665
APPLE INC COM Stock 037833100 364 2,637 SH   SOLE 0 2,117 0 520
ISHARES RUSSELL 1000 ETF ETF 464287622 729 3,696 SH   SOLE 0 3,496 0 200
SPDR BLOOMBERG 1-3 MONTH T-BILL ETF ETF 78468R663 1,683 18,372 SH   SOLE 0 18,172 0 200
ISHARES RUSSELL 1000 VALUE ETF ETF 464287598 252 1,852 SH   SOLE 0 1,852 0 0