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
SPDR PORTFOLIO AGGREGATE BOND ETF ETF 78464A649   1,612,693 64,174 SH   SOLE 0 63,774 0 400
ISHARES CORE INTERNATIONAL AGGREGATE BOND ETF ETF 46435G672   1,229,738 25,862 SH   SOLE 0 25,712 0 150
DOLLAR GEN CORP NEW COM Stock 256677105   283,188 1,150 SH   SOLE 0 1,150 0 0
JOHNSON & JOHNSON COM Stock 478160104   445,158 2,520 SH   SOLE 0 2,520 0 0
ISHARES MSCI INTL VALUE FACTOR ETF ETF 46435G409   1,618,865 69,869 SH   SOLE 0 69,869 0 0
ISHARES MSCI EMERGING MARKETS ETF ETF 464287234   1,462,978 38,601 SH   SOLE 0 38,601 0 0
COCA COLA CO COM Stock 191216100   318,050 5,000 SH   SOLE 0 5,000 0 0
GENERAL MLS INC COM Stock 370334104   285,761 3,408 SH   SOLE 0 3,408 0 0
ISHARES U.S. ENERGY ETF ETF 464287796   453,556 9,756 SH   SOLE 0 9,756 0 0
INVESCO BULLETSHARES 2025 CORPORATE BOND ETF ETF 46138J825   22,595,207 1,121,907 SH   SOLE 0 1,077,318 0 44,589
VANGUARD REAL ESTATE ETF ETF 922908553   273,091 3,311 SH   SOLE 0 3,311 0 0
ISHARES U.S. FIXED INCOME BALANCED RISK FACTOR ETF ETF 46435U796   1,818,542 21,792 SH   SOLE 0 21,792 0 0
MERCK & CO INC COM Stock 58933Y105   338,398 3,050 SH   SOLE 0 3,050 0 0
SPDR S&P 500 ETF TRUST ETF 78462F103   518,575 1,356 SH   SOLE 0 1,356 0 0
ISHARES CORE CONSERVATIVE ALLOCATION ETF ETF 464289883   1,572,343 46,782 SH   SOLE 0 46,782 0 0
ISHARES TIPS BOND ETF ETF 464287176   1,563,391 14,688 SH   SOLE 0 14,688 0 0
FIRST TRUST NASDAQ SEMICONDUCTOR ETF ETF 33738R811   345,605 6,500 SH   SOLE 0 6,500 0 0
JANUS HENDERSON SHORT DURATION INCOME ETF ETF 47103U886   1,244,250 26,250 SH   SOLE 0 26,250 0 0
ISHARES S&P 100 ETF ETF 464287101   328,177 1,924 SH   SOLE 0 1,924 0 0
VERIZON COMMUNICATIONS INC COM Stock 92343V104   328,951 8,349 SH   SOLE 0 8,349 0 0
PEPSICO INC COM Stock 713448108   374,328 2,072 SH   SOLE 0 2,072 0 0
ISHARES 1-3 YEAR TREASURY BOND ETF ETF 464287457   5,552,515 68,406 SH   SOLE 0 67,116 0 1,290
FIRST TRUST TCW OPPORTUNISTIC FIXED INCOME ETF ETF 33740F805   716,906 16,323 SH   SOLE 0 16,323 0 0
HONEYWELL INTL INC COM Stock 438516106   375,025 1,750 SH   SOLE 0 1,750 0 0
XTRACKERS USD HIGH YIELD CORPORATE BOND ETF ETF 233051432   1,127,262 33,440 SH   SOLE 0 33,440 0 0
ISHARES ESG AWARE MSCI USA ETF ETF 46435G425   41,647,930 491,421 SH   SOLE 0 475,732 0 15,689
HEALTH CARE SELECT SECTOR SPDR FUND ETF 81369Y209   341,934 2,517 SH   SOLE 0 2,517 0 0
SPDR GOLD SHARES ETF 78463V107   1,310,469 7,725 SH   SOLE 0 7,700 0 25
JPMORGAN ULTRA-SHORT INCOME ETF ETF 46641Q837   2,101,750 41,926 SH   SOLE 0 41,726 0 200
SPDR PORTFOLIO SHORT TERM CORPORATE BOND ETF ETF 78464A474   314,043 10,689 SH   SOLE 0 10,689 0 0
PIMCO ENHANCED SHORT MATURITY ACTIVE ETF ETF 72201R833   2,126,993 21,561 SH   SOLE 0 21,386 0 175
ISHARES CORE S&P SMALL CAP ETF ETF 464287804   1,433,512 15,147 SH   SOLE 0 15,147 0 0
FIRST TRUST LARGE CAP VALUE ALPHADEX FUND ETF 33735J101   882,644 13,412 SH   SOLE 0 13,412 0 0
MICROSOFT CORP COM Stock 594918104   311,766 1,300 SH   SOLE 0 1,023 0 277
CVS HEALTH CORP COM Stock 126650100   312,187 3,350 SH   SOLE 0 3,350 0 0
ISHARES EUROPE ETF ETF 464287861   876,633 19,356 SH   SOLE 0 19,356 0 0
INVESCO BULLETSHARES 2026 CORPORATE BOND ETF ETF 46138J791   22,458,735 1,186,723 SH   SOLE 0 1,140,645 0 46,078
FIRST TRUST TCW UNCONSTRAINED PLUS BOND ETF ETF 33740F888   338,432 14,037 SH   SOLE 0 14,037 0 0
VANGUARD SMALL-CAP ETF ETF 922908751   15,216,326 82,905 SH   SOLE 0 79,797 0 3,107
VANGUARD SHORT-TERM TREASURY ETF ETF 92206C102   207,921 3,596 SH   SOLE 0 53 0 3,543
FIRST TRUST INDUSTRIALS/PRODUCER DURABLES ALPHADEX FUND ETF 33734X150   835,750 16,225 SH   SOLE 0 16,225 0 0
ISHARES RUSSELL TOP 200 VALUE ETF ETF 464289420   1,432,848 22,054 SH   SOLE 0 22,054 0 0
ISHARES ESG MSCI USA LEADERS ETF ETF 46435U218   2,342,003 35,319 SH   SOLE 0 35,319 0 0
ISHARES 0-5 YEAR TIPS BOND ETF ETF 46429B747   2,059,140 21,237 SH   SOLE 0 21,062 0 175
ISHARES MSCI EAFE GROWTH ETF ETF 464288885   1,323,659 15,803 SH   SOLE 0 15,803 0 0
LILLY ELI & CO COM Stock 532457108   636,196 1,739 SH   SOLE 0 1,739 0 0
FT CBOE VEST U.S. EQUITY BUFFER ETF - NOVEMBER ETF 33740F847   7,619,928 214,525 SH   SOLE 0 214,525 0 0
VANGUARD MORTGAGE-BACKED SECURITIES ETF ETF 92206C771   25,683,203 564,218 SH   SOLE 0 539,875 0 24,343
INVESCO S&P 500 LOW VOLATILITY ETF ETF 46138E354   2,012,019 31,487 SH   SOLE 0 31,487 0 0
ISHARES SELECT DIVIDEND ETF ETF 464287168   277,862 2,304 SH   SOLE 0 2,304 0 0
ISHARES MSCI EAFE VALUE ETF ETF 464288877   711,966 15,518 SH   SOLE 0 15,518 0 0
DIMENSIONAL U.S. TARGETED VALUE ETF ETF 25434V609   336,393 7,654 SH   SOLE 0 7,654 0 0
PACER SWAN SOS MODERATE (JULY) ETF ETF 69374H493   299,609 14,400 SH   SOLE 0 14,400 0 0
HERSHEY CO COM Stock 427866108   216,518 935 SH   SOLE 0 935 0 0
ISHARES MSCI USA MIN VOL FACTOR ETF ETF 46429B697   12,621,532 175,056 SH   SOLE 0 168,813 0 6,242
DIMENSIONAL INTERNATIONAL VALUE ETF ETF 25434V807   26,188,080 861,450 SH   SOLE 0 820,798 0 40,652
ISHARES U.S. TREASURY BOND ETF ETF 46429B267   335,688 14,775 SH   SOLE 0 14,775 0 0
ELBIT SYS LTD ORD Stock M3760D101   299,373 1,825 SH   SOLE 0 1,825 0 0
ISHARES CORE S&P TOTAL U.S. STOCK MARKET ETF ETF 464287150   34,392,506 405,572 SH   SOLE 0 384,853 0 20,719
FIRST TRUST CAPITAL STRENGTH ETF ETF 33733E104   952,914 12,714 SH   SOLE 0 12,714 0 0
VANGUARD SHORT-TERM INFLATION-PROTECTED SECURITIES ETF ETF 922020805   33,210,997 711,004 SH   SOLE 0 683,911 0 27,093
FLOWERS FOODS INC COM Stock 343498101   410,264 14,275 SH   SOLE 0 14,275 0 0
ISHARES CORE MSCI EAFE ETF ETF 46432F842   25,692,662 416,818 SH   SOLE 0 400,726 0 16,092
KROGER CO COM Stock 501044101   237,389 5,325 SH   SOLE 0 5,325 0 0
SPDR BLOOMBERG INVESTMENT GRADE FLOATING RATE ETF ETF 78468R200   1,900,408 62,534 SH   SOLE 0 62,534 0 0
ISHARES 1-5 YEAR INVESTMENT GRADE CORPORATE BOND ETF ETF 464288646   671,474 13,478 SH   SOLE 0 13,478 0 0
EATON VANCE TAX-MANAGED DIVERS COM CEF 27828N102   1,417,588 130,533 SH   SOLE 0 130,533 0 0
ISHARES CORE MSCI EMERGING MARKETS ETF ETF 46434G103   21,534,211 461,118 SH   SOLE 0 442,156 0 18,962
VANGUARD TOTAL BOND MARKET ETF ETF 921937835   322,202 4,485 SH   SOLE 0 4,485 0 0
ISHARES CORE 1-5 YEAR USD BOND ETF ETF 46432F859   1,935,851 41,685 SH   SOLE 0 41,585 0 100
INVESCO S&P SMALLCAP LOW VOLATILITY ETF ETF 46138G102   807,318 18,079 SH   SOLE 0 18,079 0 0
ISHARES ESG AWARE MSCI EM ETF ETF 46434G863   673,929 22,412 SH   SOLE 0 22,412 0 0
FIRST TRUST TACTICAL HIGH YIELD ETF ETF 33738D408   1,074,277 27,588 SH   SOLE 0 27,588 0 0
INVESCO S&P MIDCAP LOW VOLATILITY ETF ETF 46138E198   1,145,649 21,418 SH   SOLE 0 21,418 0 0
ADVISORSHARES NEWFLEET MULTI-SECTOR INCOME ETF ETF 00768Y727   1,006,306 22,606 SH   SOLE 0 22,606 0 0
GENERAL DYNAMICS CORP COM Stock 369550108   353,557 1,425 SH   SOLE 0 1,425 0 0
VANGUARD TOTAL INTERNATIONAL BOND ETF ETF 92203J407   13,634,228 287,460 SH   SOLE 0 273,796 0 13,664
ISHARES RUSSELL MIDCAP ETF ETF 464287499   480,581 7,125 SH   SOLE 0 6,655 0 470
VANGUARD INTERMEDIATE-TERM BOND ETF ETF 921937819   432,022 5,813 SH   SOLE 0 5,613 0 200
SPDR PORTFOLIO SHORT TERM TREASURY ETF ETF 78468R101   1,504,447 52,075 SH   SOLE 0 51,675 0 400
ISHARES MSCI USA QUALITY FACTOR ETF ETF 46432F339   206,723 1,814 SH   SOLE 0 1,814 0 0
ISHARES S&P SMALL-CAP 600 GROWTH ETF ETF 464287887   834,949 7,726 SH   SOLE 0 7,726 0 0
ISHARES U.S. TECHNOLOGY ETF ETF 464287721   405,449 5,443 SH   SOLE 0 5,443 0 0
ISHARES CORE S&P 500 ETF ETF 464287200   66,318,488 172,610 SH   SOLE 0 167,625 0 4,985
UNION PAC CORP COM Stock 907818108   745,452 3,600 SH   SOLE 0 3,600 0 0
ISHARES MBS ETF ETF 464288588   1,595,671 17,204 SH   SOLE 0 17,054 0 150
ISHARES 10-20 YEAR TREASURY BOND ETF ETF 464288653   370,733 3,427 SH   SOLE 0 3,427 0 0
NORTHROP GRUMMAN CORP COM Stock 666807102   619,813 1,136 SH   SOLE 0 1,136 0 0
LOCKHEED MARTIN CORP COM Stock 539830109   398,435 819 SH   SOLE 0 819 0 0
CHEVRON CORP NEW COM Stock 166764100   351,082 1,956 SH   SOLE 0 1,956 0 0
ALBEMARLE CORP COM Stock 012653101   455,406 2,100 SH   SOLE 0 2,100 0 0
FIRST TRUST GLOBAL TACTICAL COMMODITY STRATEGY FUND ETF 33739H101   941,151 38,430 SH   SOLE 0 38,430 0 0
ISHARES MORTGAGE REAL ESTATE ETF ETF 46435G342   592,186 26,099 SH   SOLE 0 26,099 0 0
PFIZER INC COM Stock 717081103   628,971 12,275 SH   SOLE 0 11,883 0 392
ISHARES IBOXX $ INVESTMENT GRADE CORPORATE BOND ETF ETF 464287242   790,725 7,500 SH   SOLE 0 7,500 0 0
ISHARES 0-5 YEAR INVESTMENT GRADE CORPORATE BOND ETF ETF 46434V100   551,108 11,515 SH   SOLE 0 11,515 0 0
ISHARES MSCI USA VALUE FACTOR ETF ETF 46432F388   16,426,344 180,232 SH   SOLE 0 173,104 0 7,128
VANGUARD DIVIDEND APPRECIATION ETF ETF 921908844   331,792 2,185 SH   SOLE 0 2,185 0 0
ISHARES CORE U.S. AGGREGATE BOND ETF ETF 464287226   496,298 5,117 SH   SOLE 0 5,117 0 0
ISHARES 20 YEAR TREASURY BOND ETF ETF 464287432   518,409 5,207 SH   SOLE 0 5,207 0 0
FIRST TRUST ENHANCED SHORT MATURITY ETF ETF 33739Q408   2,285,111 38,444 SH   SOLE 0 38,444 0 0
ISHARES S&P SMALL-CAP 600 VALUE ETF ETF 464287879   205,630 2,252 SH   SOLE 0 2,252 0 0
INVESCO BULLETSHARES 2023 CORPORATE BOND ETF ETF 46138J866   22,666,142 1,080,369 SH   SOLE 0 1,033,626 0 46,743
INVESCO BULLETSHARES 2024 CORPORATE BOND ETF ETF 46138J841   21,993,705 1,073,644 SH   SOLE 0 1,029,497 0 44,147
VANGUARD SHORT-TERM BOND ETF ETF 921937827   217,849,179 2,893,852 SH   SOLE 0 2,783,948 0 109,904
EXXON MOBIL CORP COM Stock 30231G102   1,187,931 10,770 SH   SOLE 0 10,770 0 0
FIRST TRUST LOW DURATION OPPORTUNITIES ETF ETF 33739Q200   3,918,531 82,652 SH   SOLE 0 82,652 0 0
FIRST TRUST VALUE LINE DIVIDEND INDEX FUND ETF 33734H106   967,818 24,250 SH   SOLE 0 24,250 0 0
ISHARES CORE S&P MID-CAP ETF ETF 464287507   1,169,296 4,834 SH   SOLE 0 4,834 0 0
FIRST TRUST LARGE CAP GROWTH ALPHADEX FUND ETF 33735K108   936,781 10,247 SH   SOLE 0 10,247 0 0
ISHARES MSCI EAFE ETF ETF 464287465   2,161,788 32,934 SH   SOLE 0 32,419 0 515
APPLE INC COM Stock 037833100   328,463 2,528 SH   SOLE 0 2,088 0 440
ISHARES RUSSELL 1000 ETF ETF 464287622   725,452 3,446 SH   SOLE 0 3,246 0 200
SPDR BLOOMBERG 1-3 MONTH T-BILL ETF ETF 78468R663   1,680,487 18,372 SH   SOLE 0 18,172 0 200
ISHARES RUSSELL 1000 VALUE ETF ETF 464287598   272,060 1,794 SH   SOLE 0 1,794 0 0