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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hours per response: 23.8
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
ABBOTT LABS COM 002824100 615 7,083 SH   SOLE   7,083 0 0
AFLAC INC COM 001055102 609 11,517 SH   SOLE   11,517 0 0
APPLE INC COM 037833100 640 2,178 SH   SOLE   2,178 0 0
CHEVRON CORP NEW COM 166764100 619 5,135 SH   SOLE   5,135 0 0
CISCO SYS INC COM 17275R102 620 12,920 SH   SOLE   12,920 0 0
DOMINION ENERGY INC COM 25746U109 617 7,448 SH   SOLE   7,448 0 0
EVERSOURCE ENERGY COM 30040W108 617 7,255 SH   SOLE   7,255 0 0
FIFTH THIRD BANCORP COM 316773100 608 19,787 SH   SOLE   19,787 0 0
GARMIN LTD SHS H2906T109 608 6,231 SH   SOLE   6,231 0 0
GENERAL MLS INC COM 370334104 614 11,473 SH   SOLE   11,473 0 0
GENUINE PARTS CO COM 372460105 613 5,773 SH   SOLE   5,773 0 0
GOLDMAN SACHS ETF TR EQUITY ETF 381430503 18,524 286,439 SH   SOLE   286,439 0 0
GRAINGER W W INC COM 384802104 615 1,818 SH   SOLE   1,818 0 0
ILLINOIS TOOL WKS INC COM 452308109 611 3,404 SH   SOLE   3,404 0 0
INTL PAPER CO COM 460146103 609 13,217 SH   SOLE   13,217 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 276,495 1,300,480 SH   SOLE   1,300,480 0 0
ISHARES INC MSCI JPN ETF NEW 46434G822 32,077 541,471 SH   SOLE   541,471 0 0
ISHARES TR CORE S&P TTL STK 464287150 1,637 22,520 SH   SOLE   22,520 0 0
ISHARES TR TIPS BD ETF 464287176 3,398 29,150 SH   SOLE   29,150 0 0
ISHARES TR CHINA LG-CAP ETF 464287184 29,193 669,101 SH   SOLE   669,101 0 0
ISHARES TR CORE S&P500 ETF 464287200 258,294 799,077 SH   SOLE   799,077 0 0
ISHARES TR CORE US AGGBD ET 464287226 25,148 223,799 SH   SOLE   223,799 0 0
ISHARES TR NASDAQ BIOTECH 464287556 27,101 224,885 SH   SOLE   224,885 0 0
ISHARES TR CORE S&P SCP ETF 464287804 39,907 475,939 SH   SOLE   475,939 0 0
ISHARES TR MBS ETF 464288588 17,557 162,470 SH   SOLE   162,470 0 0
ISHARES TR USD INV GRDE ETF 464288620 13,468 231,020 SH   SOLE   231,020 0 0
ISHARES TR SHORT TREAS BD 464288679 41,467 375,404 SH   SOLE   375,404 0 0
ISHARES TR CORE LT USDB ETF 464289479 22,540 330,988 SH   SOLE   330,988 0 0
ISHARES TR CORE 1 5 YR USD 46432F859 45,328 899,370 SH   SOLE   899,370 0 0
ISHARES TR CORE TOTAL USD 46434V613 25,215 483,878 SH   SOLE   483,878 0 0
ISHARES TR CORE DIV GRWTH 46434V621 1,107 26,320 SH   SOLE   26,320 0 0
ISHARES TR BROAD USD HIGH 46435U853 1,241 30,200 SH   SOLE   30,200 0 0
JOHNSON & JOHNSON COM 478160104 614 4,210 SH   SOLE   4,210 0 0
KELLOGG CO COM 487836108 616 8,909 SH   SOLE   8,909 0 0
L3HARRIS TECHNOLOGIES INC COM 502431109 604 3,053 SH   SOLE   3,053 0 0
LILLY ELI & CO COM 532457108 611 4,647 SH   SOLE   4,647 0 0
LOCKHEED MARTIN CORP COM 539830109 611 1,570 SH   SOLE   1,570 0 0
MCDONALDS CORP COM 580135101 615 3,114 SH   SOLE   3,114 0 0
MERCK & CO INC COM 58933Y105 608 6,688 SH   SOLE   6,688 0 0
MICROSOFT CORP COM 594918104 613 3,887 SH   SOLE   3,887 0 0
NATIONAL FUEL GAS CO N J COM 636180101 604 12,980 SH   SOLE   12,980 0 0
PFIZER INC COM 717081103 611 15,582 SH   SOLE   15,582 0 0
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 40,192 395,630 SH   SOLE   395,630 0 0
PROCTER & GAMBLE CO COM 742718109 610 4,885 SH   SOLE   4,885 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 1,094 18,882 SH   SOLE   18,882 0 0
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 3,874 30,890 SH   SOLE   30,890 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 75,154 819,833 SH   SOLE   819,833 0 0
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852 3,890 72,530 SH   SOLE   72,530 0 0
SOUTHERN CO COM 842587107 613 9,629 SH   SOLE   9,629 0 0
SPDR INDEX SHS FDS MSCI EMRG MKTS 78463X426 23,056 379,024 SH   SOLE   379,024 0 0
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 79,928 2,126,308 SH   SOLE   2,126,308 0 0
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 361,728 11,538,371 SH   SOLE   11,538,371 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 768,626 2,388,077 SH   SOLE   2,388,077 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 30,094 93,500 SH Put SOLE   93,500 0 0
SPDR SERIES TRUST PORTFOLIO CRPORT 78464A144 36,862 1,089,772 SH   SOLE   1,089,772 0 0
SPDR SERIES TRUST PORTFOLIO LN COR 78464A367 41,476 1,377,497 SH   SOLE   1,377,497 0 0
SPDR SERIES TRUST PORTFOLIO INTRMD 78464A375 16,282 461,114 SH   SOLE   461,114 0 0
SPDR SERIES TRUST PORTFLI MORTGAGE 78464A383 9,102 348,587 SH   SOLE   348,587 0 0
SPDR SERIES TRUST PORTFOLIO SHORT 78464A474 11,655 377,932 SH   SOLE   377,932 0 0
SPDR SERIES TRUST PORTFOLIO AGRGTE 78464A649 32,467 1,105,075 SH   SOLE   1,105,075 0 0
SPDR SERIES TRUST PORTFLI TIPS ETF 78464A656 9,808 343,533 SH   SOLE   343,533 0 0
SPDR SERIES TRUST PORTFOLIO LN TSR 78464A664 7,141 183,713 SH   SOLE   183,713 0 0
SPDR SERIES TRUST S&P REGL BKG 78464A698 26,935 462,403 SH   SOLE   462,403 0 0
SPDR SERIES TRUST S&P 600 SML CAP 78464A813 39,489 545,048 SH   SOLE   545,048 0 0
SPDR SERIES TRUST PORTFOLIO MD ETF 78464A847 78,114 2,156,072 SH   SOLE   2,156,072 0 0
SPDR SERIES TRUST PORTFOLIO SH TSR 78468R101 5,473 182,680 SH   SOLE   182,680 0 0
SPDR SERIES TRUST S&P KENSHO NEW 78468R648 24,264 672,510 SH   SOLE   672,510 0 0
SPDR SERIES TRUST RUSSELL LOW VOL 78468R754 32,800 380,823 SH   SOLE   380,823 0 0
SPDR SERIES TRUST PRTFLO S&P500 HI 78468R788 1,050 26,610 SH   SOLE   26,610 0 0
SPDR SERIES TRUST MSCI USA STRTGIC 78468R812 14,525 153,398 SH   SOLE   153,398 0 0
SSGA ACTIVE TR SPDR DBLELN EMRG 78470P309 10,450 204,121 SH   SOLE   204,121 0 0
SYSCO CORP COM 871829107 614 7,183 SH   SOLE   7,183 0 0
TRUIST FINL CORP COM 89832Q109 614 10,899 SH   SOLE   10,899 0 0
UNITED TECHNOLOGIES CORP COM 913017109 613 4,092 SH   SOLE   4,092 0 0
US BANCORP DEL COM NEW 902973304 604 10,180 SH   SOLE   10,180 0 0
VANECK VECTORS ETF TRUST FALLEN ANGEL HG 92189F437 2,484 83,200 SH   SOLE   83,200 0 0
VANGUARD GROUP DIV APP ETF 921908844 1,089 8,734 SH   SOLE   8,734 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 63,157 346,692 SH   SOLE   346,692 0 0
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 43,805 994,216 SH   SOLE   994,216 0 0
VANGUARD WHITEHALL FDS INC HIGH DIV YLD 921946406 1,078 11,506 SH   SOLE   11,506 0 0
WALMART INC COM 931142103 605 5,093 SH   SOLE   5,093 0 0
WASTE MGMT INC DEL COM 94106L109 617 5,414 SH   SOLE   5,414 0 0