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
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203   576,892 21,406 SH   SOLE   0 0 21,406
EXXON MOBIL CORP COM 30231G102   426,724 3,891 SH   SOLE   0 0 3,891
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   4,545,876 31,433 SH   SOLE   0 0 31,433
INVESCO EXCHANGE TRADED FD T S&P 500 TOP 50 46137V233   468,676 1,509 SH   SOLE   0 0 1,509
INVESCO QQQ TR UNIT SER 1 46090E103   12,752,913 39,737 SH   SOLE   0 0 39,737
ISHARES INC CORE MSCI EMKT 46434G103   6,439,264 131,979 SH   SOLE   0 0 131,979
ISHARES TR S&P MC 400GR ETF 464287606   2,141,013 29,940 SH   SOLE   0 0 29,940
ISHARES TR COHEN STEER REIT 464287564   290,843 5,236 SH   SOLE   0 0 5,236
ISHARES TR CORE S&P500 ETF 464287200   2,221,137 5,403 SH   SOLE   0 0 5,403
ISHARES TR IBOXX HI YD ETF 464288513   6,905,772 91,406 SH   SOLE   0 0 91,406
ISHARES TR MSCI USA MIN VOL 46429B697   11,152,783 153,323 SH   SOLE   0 0 153,323
ISHARES TR GLB CNSM STP ETF 464288737   267,948 4,325 SH   SOLE   0 0 4,325
ISHARES U S ETF TR BLACKROCK ST MAT 46431W507   597,134 12,039 SH   SOLE   0 0 12,039
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   4,153,757 82,546 SH   SOLE   0 0 82,546
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   374,970 10,775 SH   SOLE   0 0 10,775
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   249,841 3,415 SH   SOLE   0 0 3,415
SPDR S&P 500 ETF TR TR UNIT 78462F103   689,218 1,683 SH   SOLE   0 0 1,683
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   1,666,584 3,635 SH   SOLE   0 0 3,635
SPDR SER TR PORTFOLI S&P1500 78464A805   283,100 5,613 SH   SOLE   0 0 5,613
UNITED PARCEL SERVICE INC CL B 911312106   399,617 2,059 SH   SOLE   0 0 2,059
VANECK ETF TRUST MRNGSTR WDE MOAT 92189F643   12,227,254 165,613 SH   SOLE   0 0 165,613
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   9,037,258 118,149 SH   SOLE   0 0 118,149
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   7,584,086 102,723 SH   SOLE   0 0 102,723
VANGUARD BD INDEX FDS INTERMED TERM 921937819   10,143,012 132,173 SH   SOLE   0 0 132,173
VANGUARD INTL EQUITY INDEX F FTSE PACIFIC ETF 922042866   494,340 7,289 SH   SOLE   0 0 7,289
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   534,239 7,008 SH   SOLE   0 0 7,008
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   1,272,108 8,259 SH   SOLE   0 0 8,259
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   8,904,971 84,407 SH   SOLE   0 0 84,407
VICTORY PORTFOLIOS II VCTRYSHS USAA CR 92647N535   499,684 10,187 SH   SOLE   0 0 10,187