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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
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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
APPLE INC COM 037833100 634 3,632 SH   SOLE   0 0 3,632
CSX CORP COM 126408103 425 11,337 SH   SOLE   0 0 11,337
DBX ETF TR XTRACK USD HIGH 233051432 1,363 36,127 SH   SOLE   0 0 36,127
FIDELITY COVINGTON TRUST MSCI ENERGY IDX 316092402 253 12,085 SH   SOLE   0 0 12,085
FIDELITY COVINGTON TRUST MSCI INFO TECH I 316092808 271 2,204 SH   SOLE   0 0 2,204
FIDELITY COVINGTON TRUST MSCI RL EST ETF 316092857 705 21,780 SH   SOLE   0 0 21,780
FIDELITY COVINGTON TRUST MSCI UTILS INDEX 316092865 1,064 22,210 SH   SOLE   0 0 22,210
INNOVATOR ETFS TR US EQT ULTRA BF 45782C300 4,687 151,498 SH   SOLE   0 298 151,200
INNOVATOR ETFS TR US EQTY BUF DEC 45782C557 4,763 139,052 SH   SOLE   0 273 138,779
INNOVATOR ETFS TR US EQTY BUF SEP 45782C664 4,891 149,892 SH   SOLE   0 297 149,595
INVESCO QQQ TR UNIT SER 1 46090E103 1,867 5,151 SH   SOLE   0 12 5,139
ISHARES TR 1 3 YR TREAS BD 464287457 18,566 222,750 SH   SOLE   0 422 222,328
ISHARES TR ISHS 5-10YR INVT 464288638 701 12,783 SH   SOLE   0 0 12,783
ISHARES TR PFD AND INCM SEC 464288687 3,008 82,593 SH   SOLE   0 54 82,539
ISHARES TR FLTG RATE NT ETF 46429B655 736 14,574 SH   SOLE   0 0 14,574
ISHARES TR CORE MSCI TOTAL 46432F834 506 7,605 SH   SOLE   0 0 7,605
ISHARES TR CORE DIV GRWTH 46434V621 3,656 68,444 SH   SOLE   0 159 68,285
NORTHERN LTS FD TR IV FRMLAFOLIOS TATL 66538H666 216 9,673 SH   SOLE   0 0 9,673
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 216 5,587 SH   SOLE   0 0 5,587
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 313 9,126 SH   SOLE   0 0 9,126
SPDR SER TR PRTFLO S&P500 GW 78464A409 1,159 17,499 SH   SOLE   0 0 17,499
SPDR SER TR PORTFOLIO LN TSR 78464A664 360 9,526 SH   SOLE   0 0 9,526
SPDR SER TR PORTFLI INTRMDIT 78464A672 342 11,277 SH   SOLE   0 0 11,277
SPDR SER TR PORTFOLIO SH TSR 78468R101 1,437 48,473 SH   SOLE   0 0 48,473
SPDR SER TR BLOOMBERG HIGH Y 78468R622 9,051 88,301 SH   SOLE   0 55 88,246
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 1,797 13,116 SH   SOLE   0 31 13,085
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308 1,744 22,977 SH   SOLE   0 55 22,922
SELECT SECTOR SPDR TR RL EST SEL SEC 81369Y860 1,847 38,215 SH   SOLE   0 91 38,124
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886 6,639 89,164 SH   SOLE   0 224 88,940
VANECK ETF TRUST HIGH YLD MUNIETF 92189H409 3,992 69,555 SH   SOLE   0 45 69,510
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 5,245 65,948 SH   SOLE   0 58 65,890
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 3,551 31,632 SH   SOLE   0 76 31,556
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 4,258 81,204 SH   SOLE   0 38 81,166
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 14,136 238,543 SH   SOLE   0 155 238,388
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 14,117 180,778 SH   SOLE   0 117 180,661
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 4,198 66,737 SH   SOLE   0 41 66,696
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 4,380 40,419 SH   SOLE   0 104 40,315
VANGUARD INDEX FDS MID CAP ETF 922908629 2,814 11,830 SH   SOLE   0 25 11,805
VANGUARD INDEX FDS SMALL CP ETF 922908751 324 1,524 SH   SOLE   0 0 1,524
VANGUARD INDEX FDS TOTAL STK MKT 922908769 496 2,177 SH   SOLE   0 0 2,177
WORLD GOLD TR SPDR GLD MINIS 98149E303 3,269 84,970 SH   SOLE   0 203 84,767