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   1,655,047 64,174 SH   SOLE   63,774 0 400
ISHARES CORE INTERNATIONAL AGGREGATE BOND ETF ETF 46435G672   1,265,945 25,862 SH   SOLE   25,712 0 150
DOLLAR GEN CORP NEW COM Stock 256677105   242,029 1,150 SH   SOLE   1,150 0 0
JOHNSON & JOHNSON COM Stock 478160104   390,600 2,520 SH   SOLE   2,520 0 0
ISHARES MSCI INTL VALUE FACTOR ETF ETF 46435G409   1,664,649 67,150 SH   SOLE   67,150 0 0
ISHARES MSCI EMERGING MARKETS ETF ETF 464287234   1,523,195 38,601 SH   SOLE   38,601 0 0
COCA COLA CO COM Stock 191216100   310,150 5,000 SH   SOLE   5,000 0 0
GENERAL MLS INC COM Stock 370334104   291,248 3,408 SH   SOLE   3,408 0 0
ISHARES U.S. ENERGY ETF ETF 464287796   412,738 9,434 SH   SOLE   9,434 0 0
INVESCO BULLETSHARES 2025 CORPORATE BOND ETF ETF 46138J825   24,147,883 1,190,724 SH   SOLE   1,146,814 0 43,910
VANGUARD REAL ESTATE ETF ETF 922908553   236,747 2,851 SH   SOLE   2,851 0 0
ISHARES U.S. FIXED INCOME BALANCED RISK FACTOR ETF ETF 46435U796   1,854,227 21,792 SH   SOLE   21,792 0 0
MERCK & CO INC COM Stock 58933Y105   324,490 3,050 SH   SOLE   3,050 0 0
SPDR S&P 500 ETF TRUST ETF 78462F103   887,148 2,167 SH   SOLE   2,167 0 0
ISHARES CORE CONSERVATIVE ALLOCATION ETF ETF 464289883   1,635,499 46,782 SH   SOLE   46,782 0 0
ISHARES TIPS BOND ETF ETF 464287176   1,619,352 14,688 SH   SOLE   14,688 0 0
FIRST TRUST NASDAQ SEMICONDUCTOR ETF ETF 33738R811   421,265 6,500 SH   SOLE   6,500 0 0
JANUS HENDERSON SHORT DURATION INCOME ETF ETF 47103U886   1,253,438 26,250 SH   SOLE   26,250 0 0
ISHARES S&P 100 ETF ETF 464287101   359,865 1,924 SH   SOLE   1,924 0 0
VERIZON COMMUNICATIONS INC COM Stock 92343V104   324,693 8,349 SH   SOLE   8,349 0 0
PEPSICO INC COM Stock 713448108   651,176 3,572 SH   SOLE   3,572 0 0
ISHARES 1-3 YEAR TREASURY BOND ETF ETF 464287457   8,144,932 99,135 SH   SOLE   99,010 0 125
FIRST TRUST TCW OPPORTUNISTIC FIXED INCOME ETF ETF 33740F805   735,514 16,323 SH   SOLE   16,323 0 0
HONEYWELL INTL INC COM Stock 438516106   334,460 1,750 SH   SOLE   1,750 0 0
XTRACKERS USD HIGH YIELD CORPORATE BOND ETF ETF 233051432   1,162,040 33,440 SH   SOLE   33,440 0 0
ISHARES ESG AWARE MSCI USA ETF ETF 46435G425   34,945,086 386,347 SH   SOLE   373,389 0 12,958
HEALTH CARE SELECT SECTOR SPDR FUND ETF 81369Y209   324,297 2,505 SH   SOLE   2,505 0 0
SPDR GOLD SHARES ETF 78463V107   1,415,375 7,725 SH   SOLE   7,700 0 25
JPMORGAN ULTRA-SHORT INCOME ETF ETF 46641Q837   2,109,716 41,926 SH   SOLE   41,726 0 200
SPDR PORTFOLIO SHORT TERM CORPORATE BOND ETF ETF 78464A474   316,715 10,689 SH   SOLE   10,689 0 0
PIMCO ENHANCED SHORT MATURITY ACTIVE ETF ETF 72201R833   2,139,929 21,561 SH   SOLE   21,386 0 175
ISHARES CORE S&P SMALL CAP ETF ETF 464287804   1,431,450 14,803 SH   SOLE   14,803 0 0
FIRST TRUST LARGE CAP VALUE ALPHADEX FUND ETF 33735J101   890,505 13,412 SH   SOLE   13,412 0 0
MICROSOFT CORP COM Stock 594918104   336,734 1,168 SH   SOLE   1,041 0 127
CVS HEALTH CORP COM Stock 126650100   248,939 3,350 SH   SOLE   3,350 0 0
ISHARES EUROPE ETF ETF 464287861   968,187 19,356 SH   SOLE   19,356 0 0
INVESCO BULLETSHARES 2026 CORPORATE BOND ETF ETF 46138J791   12,280,200 640,929 SH   SOLE   616,605 0 24,324
FIRST TRUST TCW UNCONSTRAINED PLUS BOND ETF ETF 33740F888   339,836 14,037 SH   SOLE   14,037 0 0
VANGUARD SMALL-CAP ETF ETF 922908751   16,253,004 85,741 SH   SOLE   82,666 0 3,074
VANGUARD SHORT-TERM TREASURY ETF ETF 92206C102   207,407 3,543 SH   SOLE   0 0 3,543
SCHWAB SHORT-TERM US TREASURY ETF ETF 808524862   1,323,673 27,130 SH   SOLE   27,130 0 0
FIRST TRUST INDUSTRIALS/PRODUCER DURABLES ALPHADEX FUND ETF 33734X150   901,299 16,225 SH   SOLE   16,225 0 0
ISHARES RUSSELL TOP 200 VALUE ETF ETF 464289420   1,331,295 20,450 SH   SOLE   20,450 0 0
ISHARES ESG MSCI USA LEADERS ETF ETF 46435U218   2,098,821 29,453 SH   SOLE   29,453 0 0
ISHARES 0-5 YEAR TIPS BOND ETF ETF 46429B747   2,107,348 21,237 SH   SOLE   21,062 0 175
ISHARES MSCI EAFE GROWTH ETF ETF 464288885   1,152,545 12,303 SH   SOLE   12,303 0 0
LILLY ELI & CO COM Stock 532457108   597,207 1,739 SH   SOLE   1,739 0 0
FT CBOE VEST U.S. EQUITY BUFFER ETF - NOVEMBER ETF 33740F847   8,065,797 214,525 SH   SOLE   214,525 0 0
LIFE STORAGE INC COM REIT 53223X107   222,853 1,700 SH   SOLE   1,700 0 0
VANGUARD MORTGAGE-BACKED SECURITIES ETF ETF 92206C771   28,531,705 612,926 SH   SOLE   588,976 0 23,950
ISHARES IBONDS DEC 2023 TERM TREASURY ETF ETF 46436E882   871,550 35,129 SH   SOLE   35,129 0 0
INVESCO S&P 500 LOW VOLATILITY ETF ETF 46138E354   1,964,789 31,487 SH   SOLE   31,487 0 0
ISHARES 0-3 MONTH TREASURY BOND ETF ETF 46436E718   1,614,208 16,049 SH   SOLE   16,049 0 0
ISHARES SELECT DIVIDEND ETF ETF 464287168   269,983 2,304 SH   SOLE   2,304 0 0
ISHARES MSCI EAFE VALUE ETF ETF 464288877   584,156 12,037 SH   SOLE   12,037 0 0
DIMENSIONAL U.S. TARGETED VALUE ETF ETF 25434V609   273,853 6,154 SH   SOLE   6,154 0 0
PACER SWAN SOS MODERATE (JULY) ETF ETF 69374H493   314,929 14,400 SH   SOLE   14,400 0 0
HERSHEY CO COM Stock 427866108   237,873 935 SH   SOLE   935 0 0
ISHARES MSCI USA MIN VOL FACTOR ETF ETF 46429B697   17,201,549 236,480 SH   SOLE   228,478 0 8,001
DIMENSIONAL INTERNATIONAL VALUE ETF ETF 25434V807   28,201,121 874,996 SH   SOLE   834,860 0 40,136
ISHARES U.S. TREASURY BOND ETF ETF 46429B267   345,440 14,775 SH   SOLE   14,775 0 0
ELBIT SYS LTD ORD Stock M3760D101   310,633 1,825 SH   SOLE   1,825 0 0
ISHARES CORE S&P TOTAL U.S. STOCK MARKET ETF ETF 464287150   43,615,490 481,673 SH   SOLE   460,110 0 21,563
FIRST TRUST CAPITAL STRENGTH ETF ETF 33733E104   927,359 12,714 SH   SOLE   12,714 0 0
VANGUARD SHORT-TERM INFLATION-PROTECTED SECURITIES ETF ETF 922020805   25,150,881 525,949 SH   SOLE   505,750 0 20,199
FLOWERS FOODS INC COM Stock 343498101   391,278 14,275 SH   SOLE   14,275 0 0
ISHARES CORE MSCI EAFE ETF ETF 46432F842   32,818,269 490,924 SH   SOLE   472,635 0 18,289
KROGER CO COM Stock 501044101   262,895 5,325 SH   SOLE   5,325 0 0
SPDR BLOOMBERG INVESTMENT GRADE FLOATING RATE ETF ETF 78468R200   1,902,910 62,534 SH   SOLE   62,534 0 0
ISHARES 1-5 YEAR INVESTMENT GRADE CORPORATE BOND ETF ETF 464288646   681,178 13,478 SH   SOLE   13,478 0 0
EATON VANCE TAX-MANAGED DIVERS COM CEF 27828N102   1,523,320 130,533 SH   SOLE   130,533 0 0
ISHARES CORE MSCI EMERGING MARKETS ETF ETF 46434G103   23,699,743 485,750 SH   SOLE   466,385 0 19,365
ISHARES CORE 1-5 YEAR USD BOND ETF ETF 46432F859   1,965,656 41,685 SH   SOLE   41,585 0 100
INVESCO S&P SMALLCAP LOW VOLATILITY ETF ETF 46138G102   765,646 18,079 SH   SOLE   18,079 0 0
ISHARES ESG AWARE MSCI EM ETF ETF 46434G863   705,530 22,412 SH   SOLE   22,412 0 0
FIRST TRUST TACTICAL HIGH YIELD ETF ETF 33738D408   1,096,899 27,588 SH   SOLE   27,588 0 0
INVESCO S&P MIDCAP LOW VOLATILITY ETF ETF 46138E198   1,122,303 21,418 SH   SOLE   21,418 0 0
ADVISORSHARES NEWFLEET MULTI-SECTOR INCOME ETF ETF 00768Y727   1,013,377 22,606 SH   SOLE   22,606 0 0
GENERAL DYNAMICS CORP COM Stock 369550108   325,199 1,425 SH   SOLE   1,425 0 0
VANGUARD TOTAL INTERNATIONAL BOND ETF ETF 92203J407   15,051,559 307,677 SH   SOLE   294,208 0 13,469
ISHARES RUSSELL MIDCAP ETF ETF 464287499   498,180 7,125 SH   SOLE   6,655 0 470
VANGUARD INTERMEDIATE-TERM BOND ETF ETF 921937819   23,631,469 307,942 SH   SOLE   298,422 0 9,520
SPDR PORTFOLIO SHORT TERM TREASURY ETF ETF 78468R101   1,522,152 52,075 SH   SOLE   51,675 0 400
ISHARES MSCI USA QUALITY FACTOR ETF ETF 46432F339   219,719 1,771 SH   SOLE   1,771 0 0
ISHARES S&P SMALL-CAP 600 GROWTH ETF ETF 464287887   816,414 7,426 SH   SOLE   7,426 0 0
ISHARES U.S. TECHNOLOGY ETF ETF 464287721   486,603 5,243 SH   SOLE   5,243 0 0
ISHARES CORE S&P 500 ETF ETF 464287200   71,781,967 174,618 SH   SOLE   169,787 0 4,831
UNION PAC CORP COM Stock 907818108   714,473 3,550 SH   SOLE   3,550 0 0
ISHARES MBS ETF ETF 464288588   1,586,538 16,748 SH   SOLE   16,598 0 150
ISHARES 10-20 YEAR TREASURY BOND ETF ETF 464288653   392,529 3,427 SH   SOLE   3,427 0 0
NORTHROP GRUMMAN CORP COM Stock 666807102   524,514 1,136 SH   SOLE   1,136 0 0
LOCKHEED MARTIN CORP COM Stock 539830109   387,166 819 SH   SOLE   819 0 0
CHEVRON CORP NEW COM Stock 166764100   319,141 1,956 SH   SOLE   1,956 0 0
ALBEMARLE CORP COM Stock 012653101   453,132 2,050 SH   SOLE   2,050 0 0
FIRST TRUST GLOBAL TACTICAL COMMODITY STRATEGY FUND ETF 33739H101   902,721 38,430 SH   SOLE   38,430 0 0
ISHARES MORTGAGE REAL ESTATE ETF ETF 46435G342   570,002 26,099 SH   SOLE   26,099 0 0
TARGET CORP COM Stock 87612E106   223,601 1,350 SH   SOLE   1,350 0 0
PFIZER INC COM Stock 717081103   492,986 12,083 SH   SOLE   11,883 0 200
ISHARES IBOXX $ INVESTMENT GRADE CORPORATE BOND ETF ETF 464287242   822,075 7,500 SH   SOLE   7,500 0 0
ISHARES 0-5 YEAR INVESTMENT GRADE CORPORATE BOND ETF ETF 46434V100   558,247 11,515 SH   SOLE   11,515 0 0
ISHARES MSCI USA VALUE FACTOR ETF ETF 46432F388   17,383,032 187,742 SH   SOLE   180,430 0 7,312
VANGUARD DIVIDEND APPRECIATION ETF ETF 921908844   301,860 1,960 SH   SOLE   1,960 0 0
ISHARES CORE U.S. AGGREGATE BOND ETF ETF 464287226   497,104 4,989 SH   SOLE   4,989 0 0
ISHARES 20 YEAR TREASURY BOND ETF ETF 464287432   553,869 5,207 SH   SOLE   5,207 0 0
FIRST TRUST ENHANCED SHORT MATURITY ETF ETF 33739Q408   2,287,802 38,444 SH   SOLE   38,444 0 0
ISHARES S&P SMALL-CAP 600 VALUE ETF ETF 464287879   210,765 2,252 SH   SOLE   2,252 0 0
INVESCO BULLETSHARES 2023 CORPORATE BOND ETF ETF 46138J866   24,176,273 1,146,882 SH   SOLE   1,100,759 0 46,123
INVESCO BULLETSHARES 2024 CORPORATE BOND ETF ETF 46138J841   23,797,551 1,155,782 SH   SOLE   1,112,240 0 43,542
VANGUARD SHORT-TERM BOND ETF ETF 921937827   231,272,028 3,023,559 SH   SOLE   2,909,707 0 113,852
EXXON MOBIL CORP COM Stock 30231G102   1,144,850 10,440 SH   SOLE   10,440 0 0
FIRST TRUST LOW DURATION OPPORTUNITIES ETF ETF 33739Q200   3,956,551 82,652 SH   SOLE   82,652 0 0
FIRST TRUST VALUE LINE DIVIDEND INDEX FUND ETF 33734H106   973,880 24,250 SH   SOLE   24,250 0 0
ISHARES CORE S&P MID-CAP ETF ETF 464287507   1,124,970 4,497 SH   SOLE   4,497 0 0
FIRST TRUST LARGE CAP GROWTH ALPHADEX FUND ETF 33735K108   953,381 10,247 SH   SOLE   10,247 0 0
ISHARES MSCI EAFE ETF ETF 464287465   2,344,712 32,784 SH   SOLE   32,269 0 515
APPLE INC COM Stock 037833100   397,409 2,410 SH   SOLE   2,010 0 400
ISHARES RUSSELL 1000 ETF ETF 464287622   776,143 3,446 SH   SOLE   3,246 0 200
SPDR BLOOMBERG 1-3 MONTH T-BILL ETF ETF 78468R663   1,686,917 18,372 SH   SOLE   18,172 0 200
ISHARES RUSSELL 1000 VALUE ETF ETF 464287598   292,948 1,924 SH   SOLE   1,924 0 0