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
ABBVIE INC COM 00287Y109   463,926 2,911 SH   SOLE   0 0 2,911
ALPHABET INC CAP STK CL C 02079K107   236,080 2,270 SH   SOLE   0 0 2,270
ALPHABET INC CAP STK CL A 02079K305   463,154 4,465 SH   SOLE   0 0 4,465
AMAZON COM INC COM 023135106   370,914 3,591 SH   SOLE   0 0 3,591
BOEING CO COM 097023105   356,882 1,680 SH   SOLE   0 0 1,680
BRISTOL-MYERS SQUIBB CO COM 110122108   383,076 5,527 SH   SOLE   0 0 5,527
BROADCOM INC COM 11135F101   309,864 483 SH   SOLE   0 0 483
CHEVRON CORP NEW COM 166764100   486,742 2,983 SH   SOLE   0 0 2,983
CITIGROUP INC COM NEW 172967424   263,662 5,623 SH   SOLE   0 0 5,623
CMS ENERGY CORP COM 125896100   247,484 4,032 SH   SOLE   0 0 4,032
CONOCOPHILLIPS COM 20825C104   303,483 3,059 SH   SOLE   0 0 3,059
CVS HEALTH CORP COM 126650100   251,019 3,378 SH   SOLE   0 0 3,378
DISNEY WALT CO COM 254687106   238,410 2,381 SH   SOLE   0 0 2,381
DTE ENERGY CO COM 233331107   260,705 2,380 SH   SOLE   0 0 2,380
FIRST TR EXCHANGE-TRADED FD DJ INTERNT IDX 33733E302   503,429 3,405 SH   SOLE   0 0 3,405
FISERV INC COM 337738108   965,163 8,539 SH   SOLE   0 0 8,539
HOME DEPOT INC COM 437076102   496,894 1,684 SH   SOLE   0 0 1,684
INVESCO EXCH TRADED FD TR II SR LN ETF 46138G508   328,765 15,806 SH   SOLE   0 0 15,806
INVESCO EXCH TRADED FD TR II PFD ETF 46138E511   296,861 25,859 SH   SOLE   0 0 25,859
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354   225,716 3,617 SH   SOLE   0 0 3,617
INVESCO EXCHANGE TRADED FD T S&P500 PUR GWT 46137V266   1,871,415 12,382 SH   SOLE   0 0 12,382
INVESCO QQQ TR UNIT SER 1 46090E103   571,897 1,782 SH   SOLE   0 0 1,782
ISHARES TR CORE 1 5 YR USD 46432F859   7,419,227 157,337 SH   SOLE   0 0 157,337
ISHARES TR CORE MSCI TOTAL 46432F834   6,584,209 106,283 SH   SOLE   0 0 106,283
ISHARES TR CORE US AGGBD ET 464287226   23,128,114 232,117 SH   SOLE   0 0 232,117
ISHARES TR IBOXX HI YD ETF 464288513   7,205,506 95,374 SH   SOLE   0 0 95,374
ISHARES TR MSCI EMG MKT ETF 464287234   5,148,662 130,478 SH   SOLE   0 0 130,478
ISHARES TR CORE S&P500 ETF 464287200   4,032,449 9,809 SH   SOLE   0 0 9,809
ISHARES TR MBS ETF 464288588   2,887,016 30,476 SH   SOLE   0 0 30,476
ISHARES TR CORE MSCI EAFE 46432F842   5,426,950 81,181 SH   SOLE   0 0 81,181
ISHARES TR CORE S&P SCP ETF 464287804   1,625,334 16,808 SH   SOLE   0 0 16,808
ISHARES TR S&P 500 GRWT ETF 464287309   3,406,680 53,321 SH   SOLE   0 0 53,321
ISHARES TR TIPS BD ETF 464287176   278,492 2,526 SH   SOLE   0 0 2,526
ISHARES TR 0-5 YR TIPS ETF 46429B747   282,012 2,842 SH   SOLE   0 0 2,842
ISHARES TR 10-20 YR TRS ETF 464288653   260,349 2,273 SH   SOLE   0 0 2,273
ISHARES TR 3 7 YR TREAS BD 464288661   298,949 2,541 SH   SOLE   0 0 2,541
ISHARES TR ISHS 5-10YR INVT 464288638   1,223,490 23,859 SH   SOLE   0 0 23,859
ISHARES TR CORE TOTAL USD 46434V613   368,323 7,981 SH   SOLE   0 0 7,981
ISHARES TR INTL SEL DIV ETF 464288448   278,969 10,148 SH   SOLE   0 0 10,148
ISHARES TR S&P 500 VAL ETF 464287408   358,302 2,361 SH   SOLE   0 0 2,361
ISHARES TR U.S. MED DVC ETF 464288810   348,884 6,463 SH   SOLE   0 0 6,463
ISHARES TR US TREAS BD ETF 46429B267   1,313,091 56,163 SH   SOLE   0 0 56,163
ISHARES TR MSCI EAFE ETF 464287465   220,997 3,090 SH   SOLE   0 0 3,090
ISHARES TR NATIONAL MUN ETF 464288414   446,798 4,147 SH   SOLE   0 0 4,147
ISHARES TR SHRT NAT MUN ETF 464288158   232,704 2,223 SH   SOLE   0 0 2,223
JOHNSON & JOHNSON COM 478160104   355,415 2,293 SH   SOLE   0 0 2,293
JPMORGAN CHASE & CO COM 46625H100   298,410 2,290 SH   SOLE   0 0 2,290
KEURIG DR PEPPER INC COM 49271V100   252,252 7,150 SH   SOLE   0 0 7,150
MCDONALDS CORP COM 580135101   342,243 1,224 SH   SOLE   0 0 1,224
METLIFE INC COM 59156R108   247,520 4,272 SH   SOLE   0 0 4,272
MICROSOFT CORP COM 594918104   334,258 1,159 SH   SOLE   0 0 1,159
NEXTERA ENERGY PARTNERS LP COM UNIT PART IN 65341B106   236,014 3,885 SH   SOLE   0 0 3,885
NUVEEN DYNAMIC MUN OPPORTUNI COM SHS 67079X102   275,627 26,076 SH   SOLE   0 0 26,076
PFIZER INC COM 717081103   463,570 11,362 SH   SOLE   0 0 11,362
PIMCO ETF TR 0-5 HIGH YIELD 72201R783   1,031,986 11,302 SH   SOLE   0 0 11,302
PROCTER AND GAMBLE CO COM 742718109   491,569 3,306 SH   SOLE   0 0 3,306
QUALCOMM INC COM 747525103   338,725 2,655 SH   SOLE   0 0 2,655
REALTY INCOME CORP COM 756109104   272,023 4,296 SH   SOLE   0 0 4,296
S&P GLOBAL INC COM 78409V104   375,622 1,089 SH   SOLE   0 0 1,089
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   5,112,993 75,357 SH   SOLE   0 0 75,357
SCHWAB STRATEGIC TR US TIPS ETF 808524870   280,648 5,235 SH   SOLE   0 0 5,235
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   734,478 21,520 SH   SOLE   0 0 21,520
SPDR S&P 500 ETF TR TR UNIT 78462F103   12,748,118 31,139 SH   SOLE   0 0 31,139
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   1,122,646 2,449 SH   SOLE   0 0 2,449
SPDR SER TR PORTFOLIO S&P500 78464A854   549,295 11,408 SH   SOLE   0 0 11,408
SPDR SER TR PORTFLI INTRMDIT 78464A672   8,323,295 287,605 SH   SOLE   0 0 287,605
SPDR SER TR PRTFLO S&P500 GW 78464A409   1,844,026 33,310 SH   SOLE   0 0 33,310
SPDR SER TR S&P DIVID ETF 78464A763   2,368,057 19,142 SH   SOLE   0 0 19,142
SPDR SER TR PRTFLO S&P500 HI 78468R788   401,850 10,575 SH   SOLE   0 0 10,575
SPDR SER TR NUVEEN BLMBRG SH 78468R739   231,283 4,864 SH   SOLE   0 0 4,864
SYSCO CORP COM 871829107   253,546 3,283 SH   SOLE   0 0 3,283
TESLA INC COM 88160R101   810,961 3,909 SH   SOLE   0 0 3,909
VANGUARD ADMIRAL FDS INC 500 VAL IDX FD 921932703   1,010,763 6,890 SH   SOLE   0 0 6,890
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   1,317,644 17,847 SH   SOLE   0 0 17,847
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   290,738 3,801 SH   SOLE   0 0 3,801
VANGUARD BD INDEX FDS INTERMED TERM 921937819   365,052 4,757 SH   SOLE   0 0 4,757
VANGUARD INDEX FDS SMALL CP ETF 922908751   6,569,802 34,658 SH   SOLE   0 0 34,658
VANGUARD INDEX FDS VALUE ETF 922908744   11,510,518 83,343 SH   SOLE   0 0 83,343
VANGUARD INDEX FDS MID CAP ETF 922908629   3,826,241 18,141 SH   SOLE   0 0 18,141
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   8,501,062 22,605 SH   SOLE   0 0 22,605
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   1,387,729 27,393 SH   SOLE   0 0 27,393
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   296,172 3,692 SH   SOLE   0 0 3,692
VANGUARD SCOTTSDALE FDS VNG RUS2000IDX 92206C664   1,556,279 21,591 SH   SOLE   0 0 21,591
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   2,871,203 37,665 SH   SOLE   0 0 37,665
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   2,962,690 19,237 SH   SOLE   0 0 19,237
VANGUARD STAR FDS VG TL INTL STK F 921909768   402,426 7,289 SH   SOLE   0 0 7,289
VICI PPTYS INC COM 925652109   301,148 9,232 SH   SOLE   0 0 9,232
VISA INC COM CL A 92826C839   266,494 1,182 SH   SOLE   0 0 1,182
WP CAREY INC COM 92936U109   254,423 3,285 SH   SOLE   0 0 3,285
ZOETIS INC CL A 98978V103   242,170 1,455 SH   SOLE   0 0 1,455