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
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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
ABBVIE INC COM 00287Y109   2,533,467 15,897 SH   SOLE   0 0 15,897
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   2,614,018 9,146 SH   SOLE   0 0 9,146
AMAZON COM INC COM 023135106   222,594 2,155 SH   SOLE   0 0 2,155
APPLE INC COM 037833100   5,999,777 36,384 SH   SOLE   0 0 36,384
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   310,623 1,006 SH   SOLE   0 0 1,006
BHP GROUP LTD SPONSORED ADS 088606108   1,838,943 29,001 SH   SOLE   0 0 29,001
BLACKROCK INC COM 09247X101   1,032,091 1,542 SH   SOLE   0 0 1,542
BLACKSTONE INC COM 09260D107   856,662 9,753 SH   SOLE   0 0 9,753
BOEING CO COM 097023105   396,412 1,866 SH   SOLE   0 0 1,866
BROADCOM INC COM 11135F101   1,309,069 2,041 SH   SOLE   0 0 2,041
CHEVRON CORP NEW COM 166764100   799,230 4,898 SH   SOLE   0 0 4,898
DOW INC COM 260557103   1,170,342 21,349 SH   SOLE   0 0 21,349
DUKE ENERGY CORP NEW COM NEW 26441C204   1,040,345 10,784 SH   SOLE   0 0 10,784
GENERAL MLS INC COM 370334104   594,645 6,958 SH   SOLE   0 0 6,958
GOLDMAN SACHS BDC INC SHS 38147U107   302,397 22,154 SH   SOLE   0 0 22,154
HONEYWELL INTL INC COM 438516106   326,051 1,706 SH   SOLE   0 0 1,706
ILLINOIS TOOL WKS INC COM 452308109   282,484 1,160 SH   SOLE   0 0 1,160
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   600,203 4,150 SH   SOLE   0 0 4,150
INVESCO EXCHANGE TRADED FD T DWA MOMENTUM 46137V837   1,266,504 16,671 SH   SOLE   0 0 16,671
INVESCO QQQ TR UNIT SER 1 46090E103   5,170,708 16,112 SH   SOLE   0 0 16,112
ISHARES INC MSCI GBL MIN VOL 464286525   4,372,040 45,189 SH   SOLE   0 0 45,189
ISHARES TR 3 7 YR TREAS BD 464288661   4,524,271 38,455 SH   SOLE   0 0 38,455
ISHARES TR CORE S&P500 ETF 464287200   240,132 584 SH   SOLE   0 0 584
ISHARES TR US INDUSTRIALS 464287754   1,945,168 19,421 SH   SOLE   0 0 19,421
ISHARES TR 1 3 YR TREAS BD 464287457   4,481,531 54,546 SH   SOLE   0 0 54,546
ISHARES TR MSCI USA MMENTM 46432F396   7,340,724 52,796 SH   SOLE   0 0 52,796
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   6,252,895 124,263 SH   SOLE   0 0 124,263
J P MORGAN EXCHANGE TRADED F ULTRA SHT MUNCPL 46641Q654   513,106 10,103 SH   SOLE   0 0 10,103
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332   880,469 16,126 SH   SOLE   0 0 16,126
JOHNSON & JOHNSON COM 478160104   2,157,274 13,918 SH   SOLE   0 0 13,918
JPMORGAN CHASE & CO COM 46625H100   1,298,083 9,962 SH   SOLE   0 0 9,962
KINDER MORGAN INC DEL COM 49456B101   967,144 55,234 SH   SOLE   0 0 55,234
KROGER CO COM 501044101   3,147,990 63,763 SH   SOLE   0 0 63,763
LOWES COS INC COM 548661107   1,798,244 8,993 SH   SOLE   0 0 8,993
MERCK & CO INC COM 58933Y105   1,417,585 13,324 SH   SOLE   0 0 13,324
MICROSOFT CORP COM 594918104   1,370,177 4,753 SH   SOLE   0 0 4,753
PACKAGING CORP AMER COM 695156109   1,645,268 11,851 SH   SOLE   0 0 11,851
PEPSICO INC COM 713448108   1,870,279 10,259 SH   SOLE   0 0 10,259
PIONEER NAT RES CO COM 723787107   1,455,654 7,127 SH   SOLE   0 0 7,127
PROCTER AND GAMBLE CO COM 742718109   666,476 4,482 SH   SOLE   0 0 4,482
QUALCOMM INC COM 747525103   1,852,094 14,517 SH   SOLE   0 0 14,517
RIO TINTO PLC SPONSORED ADR 767204100   1,655,784 24,137 SH   SOLE   0 0 24,137
SALESFORCE INC COM 79466L302   990,509 4,958 SH   SOLE   0 0 4,958
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   9,645,351 201,575 SH   SOLE   0 0 201,575
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   10,478,667 301,111 SH   SOLE   0 0 301,111
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   1,742,120 36,017 SH   SOLE   0 0 36,017
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763   5,455,135 112,084 SH   SOLE   0 0 112,084
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   7,244,802 99,027 SH   SOLE   0 0 99,027
SCHWAB STRATEGIC TR US REIT ETF 808524847   277,893 14,251 SH   SOLE   0 0 14,251
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   7,163,596 105,580 SH   SOLE   0 0 105,580
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   1,783,833 42,543 SH   SOLE   0 0 42,543
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   6,674,619 272,211 SH   SOLE   0 0 272,211
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407   2,088,138 13,964 SH   SOLE   0 0 13,964
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308   1,810,276 24,231 SH   SOLE   0 0 24,231
SMUCKER J M CO COM NEW 832696405   697,069 4,429 SH   SOLE   0 0 4,429
SPDR S&P 500 ETF TR TR UNIT 78462F103   320,951 784 SH   SOLE   0 0 784
SPDR SER TR S&P DIVID ETF 78464A763   1,180,557 9,543 SH   SOLE   0 0 9,543
SYSCO CORP COM 871829107   566,115 7,330 SH   SOLE   0 0 7,330
UNITED PARCEL SERVICE INC CL B 911312106   343,176 1,769 SH   SOLE   0 0 1,769
VANECK ETF TRUST SEMICONDUCTR ETF 92189F676   1,227,684 4,665 SH   SOLE   0 0 4,665
VANECK ETF TRUST GOLD MINERS ETF 92189F106   5,954,458 184,064 SH   SOLE   0 0 184,064
VANECK ETF TRUST BDC INCOME ETF 92189F411   566,649 38,210 SH   SOLE   0 0 38,210
VANGUARD INDEX FDS GROWTH ETF 922908736   358,104 1,436 SH   SOLE   0 0 1,436
VANGUARD INDEX FDS TOTAL STK MKT 922908769   3,115,811 15,266 SH   SOLE   0 0 15,266
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   365,201 971 SH   SOLE   0 0 971
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718   3,196,306 29,259 SH   SOLE   0 0 29,259
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   4,002,696 83,703 SH   SOLE   0 0 83,703
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   5,242,417 68,771 SH   SOLE   0 0 68,771
VANGUARD STAR FDS VG TL INTL STK F 921909768   1,373,904 24,885 SH   SOLE   0 0 24,885
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   318,279 3,017 SH   SOLE   0 0 3,017
VANGUARD WORLD FDS FINANCIALS ETF 92204A405   1,051,571 13,501 SH   SOLE   0 0 13,501
VERIZON COMMUNICATIONS INC COM 92343V104   279,153 7,178 SH   SOLE   0 0 7,178
VISA INC COM CL A 92826C839   963,079 4,272 SH   SOLE   0 0 4,272
WALMART INC COM 931142103   819,169 5,556 SH   SOLE   0 0 5,556
WP CAREY INC COM 92936U109   773,689 9,990 SH   SOLE   0 0 9,990