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
TECHNOLOGY SELECT SECTOR SPDR FUND ETF 81369Y803   218,890 1,259 SH   SOLE   0 1,259 0
SPDR PORTFOLIO AGGREGATE BOND ETF ETF 78464A649   1,628,094 64,174 SH   SOLE   0 63,774 0
ISHARES CORE INTERNATIONAL AGGREGATE BOND ETF ETF 46435G672   1,274,738 25,862 SH   SOLE   0 25,712 0
JOHNSON & JOHNSON COM Stock 478160104   417,110 2,520 SH   SOLE   0 2,520 0
ISHARES MSCI INTL VALUE FACTOR ETF ETF 46435G409   1,708,968 67,150 SH   SOLE   0 67,150 0
ISHARES MSCI EMERGING MARKETS ETF ETF 464287234   1,520,409 38,433 SH   SOLE   0 38,433 0
COCA COLA CO COM Stock 191216100   301,100 5,000 SH   SOLE   0 5,000 0
GENERAL MLS INC COM Stock 370334104   250,886 3,271 SH   SOLE   0 3,271 0
INVESCO BULLETSHARES 2025 CORPORATE BOND ETF ETF 46138J825   24,749,815 1,229,499 SH   SOLE   0 1,185,665 0
ISHARES U.S. FIXED INCOME BALANCED RISK FACTOR ETF ETF 46435U796   1,832,670 21,792 SH   SOLE   0 21,792 0
MERCK & CO INC COM Stock 58933Y105   351,940 3,050 SH   SOLE   0 3,050 0
SPDR S&P 500 ETF TRUST ETF 78462F103   1,023,977 2,310 SH   SOLE   0 2,310 0
ISHARES CORE CONSERVATIVE ALLOCATION ETF ETF 464289883   1,648,598 46,782 SH   SOLE   0 46,782 0
ISHARES TIPS BOND ETF ETF 464287176   1,510,231 14,033 SH   SOLE   0 14,033 0
FIRST TRUST NASDAQ SEMICONDUCTOR ETF ETF 33738R811   462,735 6,500 SH   SOLE   0 6,500 0
JANUS HENDERSON SHORT DURATION INCOME ETF ETF 47103U886   1,254,488 26,250 SH   SOLE   0 26,250 0
ISHARES S&P 100 ETF ETF 464287101   398,383 1,924 SH   SOLE   0 1,924 0
VERIZON COMMUNICATIONS INC COM Stock 92343V104   310,499 8,349 SH   SOLE   0 8,349 0
PEPSICO INC COM Stock 713448108   383,776 2,072 SH   SOLE   0 2,072 0
ISHARES 1-3 YEAR TREASURY BOND ETF ETF 464287457   2,112,945 26,060 SH   SOLE   0 25,935 0
FIRST TRUST TCW OPPORTUNISTIC FIXED INCOME ETF ETF 33740F805   720,987 16,323 SH   SOLE   0 16,323 0
HONEYWELL INTL INC COM Stock 438516106   363,125 1,750 SH   SOLE   0 1,750 0
XTRACKERS USD HIGH YIELD CORPORATE BOND ETF ETF 233051432   1,153,680 33,440 SH   SOLE   0 33,440 0
ISHARES ESG AWARE MSCI USA ETF ETF 46435G425   3,955,024 40,581 SH   SOLE   0 38,539 0
HEALTH CARE SELECT SECTOR SPDR FUND ETF 81369Y209   332,489 2,505 SH   SOLE   0 2,505 0
SPDR GOLD SHARES ETF 78463V107   1,377,136 7,725 SH   SOLE   0 7,700 0
JPMORGAN ULTRA-SHORT INCOME ETF ETF 46641Q837   2,028,163 40,450 SH   SOLE   0 40,250 0
SPDR PORTFOLIO SHORT TERM CORPORATE BOND ETF ETF 78464A474   314,684 10,689 SH   SOLE   0 10,689 0
PIMCO ENHANCED SHORT MATURITY ACTIVE ETF ETF 72201R833   2,150,925 21,561 SH   SOLE   0 21,386 0
ISHARES CORE S&P SMALL CAP ETF ETF 464287804   654,800 6,571 SH   SOLE   0 6,571 0
FIRST TRUST LARGE CAP VALUE ALPHADEX FUND ETF 33735J101   894,312 13,412 SH   SOLE   0 13,412 0
MICROSOFT CORP COM Stock 594918104   435,891 1,280 SH   SOLE   0 1,153 0
CVS HEALTH CORP COM Stock 126650100   231,586 3,350 SH   SOLE   0 3,350 0
ISHARES EUROPE ETF ETF 464287861   978,252 19,356 SH   SOLE   0 19,356 0
FIRST TRUST TCW UNCONSTRAINED PLUS BOND ETF ETF 33740F888   339,274 14,037 SH   SOLE   0 14,037 0
SCHWAB SHORT-TERM US TREASURY ETF ETF 808524862   764,490 15,907 SH   SOLE   0 15,907 0
FIRST TRUST INDUSTRIALS/PRODUCER DURABLES ALPHADEX FUND ETF 33734X150   974,960 16,225 SH   SOLE   0 16,225 0
ISHARES RUSSELL TOP 200 VALUE ETF ETF 464289420   925,142 13,718 SH   SOLE   0 13,718 0
ISHARES ESG MSCI USA LEADERS ETF ETF 46435U218   1,874,338 24,210 SH   SOLE   0 24,210 0
ISHARES 0-5 YEAR TIPS BOND ETF ETF 46429B747   2,072,731 21,237 SH   SOLE   0 21,062 0
ISHARES MSCI EAFE GROWTH ETF ETF 464288885   1,173,829 12,303 SH   SOLE   0 12,303 0
LILLY ELI & CO COM Stock 532457108   815,556 1,739 SH   SOLE   0 1,739 0
FT CBOE VEST U.S. EQUITY BUFFER ETF - NOVEMBER ETF 33740F847   8,637,828 214,525 SH   SOLE   0 214,525 0
LIFE STORAGE INC COM REIT 53223X107   226,032 1,700 SH   SOLE   0 1,700 0
VANGUARD MORTGAGE-BACKED SECURITIES ETF ETF 92206C771   28,694,771 623,935 SH   SOLE   0 600,210 0
ISHARES IBONDS DEC 2023 TERM TREASURY ETF ETF 46436E882   659,772 26,593 SH   SOLE   0 26,593 0
ISHARES IBONDS DEC 2024 TERM TREASURY ETF ETF 46436E874   657,665 27,633 SH   SOLE   0 27,633 0
INVESCO S&P 500 LOW VOLATILITY ETF ETF 46138E354   1,977,698 31,487 SH   SOLE   0 31,487 0
ISHARES 0-3 MONTH TREASURY BOND ETF ETF 46436E718   1,331,637 13,233 SH   SOLE   0 13,233 0
ISHARES SELECT DIVIDEND ETF ETF 464287168   251,979 2,224 SH   SOLE   0 2,224 0
ISHARES MSCI EAFE VALUE ETF ETF 464288877   589,091 12,037 SH   SOLE   0 12,037 0
SCHWAB US DIVIDEND EQUITY ETF ETF 808524797   23,750,008 327,045 SH   SOLE   0 314,729 0
VISA INC COM CL A Stock 92826C839   211,357 890 SH   SOLE   0 890 0
PACER SWAN SOS MODERATE (JULY) ETF ETF 69374H493   339,624 14,400 SH   SOLE   0 14,400 0
HERSHEY CO COM Stock 427866108   233,470 935 SH   SOLE   0 935 0
ISHARES MSCI USA MIN VOL FACTOR ETF ETF 46429B697   17,885,056 240,617 SH   SOLE   0 232,608 0
DIMENSIONAL INTERNATIONAL VALUE ETF ETF 25434V807   29,061,048 884,659 SH   SOLE   0 845,617 0
ISHARES U.S. TREASURY BOND ETF ETF 46429B267   338,348 14,775 SH   SOLE   0 14,775 0
ELBIT SYS LTD ORD Stock M3760D101   381,352 1,825 SH   SOLE   0 1,825 0
ISHARES CORE S&P TOTAL U.S. STOCK MARKET ETF ETF 464287150   72,868,297 744,770 SH   SOLE   0 717,681 0
FIRST TRUST CAPITAL STRENGTH ETF ETF 33733E104   954,567 12,714 SH   SOLE   0 12,714 0
VANGUARD SHORT-TERM INFLATION-PROTECTED SECURITIES ETF ETF 922020805   26,198,602 552,480 SH   SOLE   0 532,236 0
FLOWERS FOODS INC COM Stock 343498101   355,162 14,275 SH   SOLE   0 14,275 0
ISHARES CORE MSCI EAFE ETF ETF 46432F842   33,789,960 500,592 SH   SOLE   0 483,262 0
KROGER CO COM Stock 501044101   250,275 5,325 SH   SOLE   0 5,325 0
SPDR BLOOMBERG INVESTMENT GRADE FLOATING RATE ETF ETF 78468R200   1,919,168 62,534 SH   SOLE   0 62,534 0
ISHARES 1-5 YEAR INVESTMENT GRADE CORPORATE BOND ETF ETF 464288646   314,365 6,266 SH   SOLE   0 6,266 0
EATON VANCE TAX-MANAGED DIVERS COM CEF 27828N102   1,626,441 130,533 SH   SOLE   0 130,533 0
ISHARES CORE MSCI EMERGING MARKETS ETF ETF 46434G103   24,909,983 505,376 SH   SOLE   0 486,037 0
ISHARES CORE 1-5 YEAR USD BOND ETF ETF 46432F859   1,944,188 41,685 SH   SOLE   0 41,585 0
INVESCO S&P SMALLCAP LOW VOLATILITY ETF ETF 46138G102   720,087 18,079 SH   SOLE   0 18,079 0
ISHARES ESG AWARE MSCI EM ETF ETF 46434G863   708,892 22,412 SH   SOLE   0 22,412 0
FIRST TRUST TACTICAL HIGH YIELD ETF ETF 33738D408   1,093,312 27,588 SH   SOLE   0 27,588 0
INVESCO S&P MIDCAP LOW VOLATILITY ETF ETF 46138E198   1,108,382 21,418 SH   SOLE   0 21,418 0
ADVISORSHARES NEWFLEET MULTI-SECTOR INCOME ETF ETF 00768Y727   1,012,749 22,606 SH   SOLE   0 22,606 0
GENERAL DYNAMICS CORP COM Stock 369550108   306,589 1,425 SH   SOLE   0 1,425 0
VANGUARD TOTAL INTERNATIONAL BOND ETF ETF 92203J407   15,896,118 325,207 SH   SOLE   0 311,263 0
ISHARES RUSSELL MIDCAP ETF ETF 464287499   505,879 6,927 SH   SOLE   0 6,457 0
VANGUARD INTERMEDIATE-TERM BOND ETF ETF 921937819   40,622,319 539,975 SH   SOLE   0 523,670 0
SPDR PORTFOLIO SHORT TERM TREASURY ETF ETF 78468R101   1,499,239 52,075 SH   SOLE   0 51,675 0
ISHARES MSCI USA QUALITY FACTOR ETF ETF 46432F339   238,855 1,771 SH   SOLE   0 1,771 0
ISHARES U.S. TECHNOLOGY ETF ETF 464287721   559,918 5,143 SH   SOLE   0 5,143 0
ISHARES CORE S&P 500 ETF ETF 464287200   97,856,076 219,551 SH   SOLE   0 213,028 0
UNION PAC CORP COM Stock 907818108   726,401 3,550 SH   SOLE   0 3,550 0
ISHARES MBS ETF ETF 464288588   1,562,002 16,748 SH   SOLE   0 16,598 0
ISHARES 10-20 YEAR TREASURY BOND ETF ETF 464288653   379,609 3,427 SH   SOLE   0 3,427 0
NORTHROP GRUMMAN CORP COM Stock 666807102   517,789 1,136 SH   SOLE   0 1,136 0
LOCKHEED MARTIN CORP COM Stock 539830109   377,051 819 SH   SOLE   0 819 0
CHEVRON CORP NEW COM Stock 166764100   277,766 1,765 SH   SOLE   0 1,765 0
ALBEMARLE CORP COM Stock 012653101   457,335 2,050 SH   SOLE   0 2,050 0
FIRST TRUST GLOBAL TACTICAL COMMODITY STRATEGY FUND ETF 33739H101   875,051 38,430 SH   SOLE   0 38,430 0
ISHARES MORTGAGE REAL ESTATE ETF ETF 46435G342   615,936 26,099 SH   SOLE   0 26,099 0
PFIZER INC COM Stock 717081103   443,204 12,083 SH   SOLE   0 11,883 0
ISHARES IBOXX $ INVESTMENT GRADE CORPORATE BOND ETF ETF 464287242   811,050 7,500 SH   SOLE   0 7,500 0
ISHARES 0-5 YEAR INVESTMENT GRADE CORPORATE BOND ETF ETF 46434V100   555,138 11,515 SH   SOLE   0 11,515 0
VANGUARD DIVIDEND APPRECIATION ETF ETF 921908844   292,374 1,800 SH   SOLE   0 1,800 0
ISHARES CORE U.S. AGGREGATE BOND ETF ETF 464287226   430,980 4,400 SH   SOLE   0 4,400 0
ISHARES 20 YEAR TREASURY BOND ETF ETF 464287432   536,009 5,207 SH   SOLE   0 5,207 0
FIRST TRUST ENHANCED SHORT MATURITY ETF ETF 33739Q408   2,283,958 38,444 SH   SOLE   0 38,444 0
ISHARES S&P SMALL-CAP 600 VALUE ETF ETF 464287879   214,143 2,252 SH   SOLE   0 2,252 0
INVESCO BULLETSHARES 2023 CORPORATE BOND ETF ETF 46138J866   25,065,280 1,184,000 SH   SOLE   0 1,136,886 0
INVESCO BULLETSHARES 2024 CORPORATE BOND ETF ETF 46138J841   24,578,003 1,194,847 SH   SOLE   0 1,151,418 0
VANGUARD SHORT-TERM BOND ETF ETF 921937827   242,049,879 3,202,989 SH   SOLE   0 3,087,230 0
EXXON MOBIL CORP COM Stock 30231G102   1,119,690 10,440 SH   SOLE   0 10,440 0
FIRST TRUST LOW DURATION OPPORTUNITIES ETF ETF 33739Q200   3,940,021 82,652 SH   SOLE   0 82,652 0
FIRST TRUST VALUE LINE DIVIDEND INDEX FUND ETF 33734H106   972,183 24,250 SH   SOLE   0 24,250 0
ISHARES CORE S&P MID-CAP ETF ETF 464287507   855,824 3,273 SH   SOLE   0 3,273 0
FIRST TRUST LARGE CAP GROWTH ALPHADEX FUND ETF 33735K108   1,037,919 10,247 SH   SOLE   0 10,247 0
ISHARES MSCI EAFE ETF ETF 464287465   2,381,408 32,847 SH   SOLE   0 32,332 0
APPLE INC COM Stock 037833100   985,348 5,080 SH   SOLE   0 4,679 0
ISHARES RUSSELL 1000 ETF ETF 464287622   839,928 3,446 SH   SOLE   0 3,246 0
SPDR BLOOMBERG 1-3 MONTH T-BILL ETF ETF 78468R663   1,666,533 18,150 SH   SOLE   0 17,950 0
ISHARES RUSSELL 1000 VALUE ETF ETF 464287598   283,147 1,794 SH   SOLE   0 1,794 0