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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
SPDR PORTFOLIO AGGREGATE BOND ETF ETF 78464A649 1,687 60,704 SH   SOLE   60,304 0 400
ISHARES CORE INTERNATIONAL AGGREGATE BOND FUND ETF 46435G672 1,505 28,862 SH   SOLE   28,712 0 150
DOLLAR GEN CORP NEW COM Stock 256677105 260 1,168 SH   SOLE   1,150 0 18
JOHNSON & JOHNSON COM Stock 478160104 434 2,449 SH   SOLE   2,449 0 0
ISHARES GLOBAL TECH ETF ETF 464287291 2,057 35,454 SH   SOLE   34,675 0 779
ISHARES MSCI INTL VALUE FACTOR ETF ETF 46435G409 946 37,154 SH   SOLE   37,154 0 0
ISHARES MSCI EMERGING MARKETS ETF ETF 464287234 418 9,259 SH   SOLE   8,924 0 335
COCA COLA CO COM Stock 191216100 310 5,000 SH   SOLE   5,000 0 0
GENERAL MLS INC COM Stock 370334104 205 3,026 SH   SOLE   3,026 0 0
ISHARES U.S. ENERGY ETF ETF 464287796 1,697 41,468 SH   SOLE   41,468 0 0
VANGUARD REAL ESTATE ETF ETF 922908553 2,464 22,737 SH   SOLE   22,736 0 0
ISHARES U.S. FINANCIALS ETF ETF 464287788 274 3,244 SH   SOLE   3,244 0 0
ISHARES U.S. FIXED INCOME BALANCED RISK FACTOR ETF ETF 46435U796 2,019 21,792 SH   SOLE   21,792 0 0
SPDR S&P 500 ETF ETF 78462F103 829 1,835 SH   SOLE   1,835 0 0
ISHARES CORE CONSERVATIVE ALLOCATION ETF ETF 464289883 1,768 46,932 SH   SOLE   46,932 0 0
ISHARES TIPS BOND ETF ETF 464287176 31,521 253,035 SH   SOLE   235,337 0 17,697
FIRST TRUST NASDAQ SEMICONDUCTOR ETF ETF 33738R811 458 6,500 SH   SOLE   6,500 0 0
JANUS HENDERSON SHORT DURATION INCOME ETF ETF 47103U886 1,288 26,250 SH   SOLE   26,250 0 0
ISHARES S&P 100 ETF ETF 464287101 1,986 9,523 SH   SOLE   9,523 0 0
VERIZON COMMUNICATIONS INC COM Stock 92343V104 425 8,349 SH   SOLE   8,349 0 0
PEPSICO INC COM Stock 713448108 315 1,880 SH   SOLE   1,880 0 0
ISHARES 1-3 YEAR TREASURY BOND ETF ETF 464287457 2,172 26,060 SH   SOLE   25,935 0 125
FIRST TRUST TCW OPPORTUNISTIC FIXED INCOME ETF ETF 33740F805 811 16,353 SH   SOLE   16,353 0 0
HONEYWELL INTL INC COM Stock 438516106 336 1,725 SH   SOLE   1,725 0 0
X-TRACKERS USD HIGH YIELD CORPORATE BOND ETF ETF 233051432 1,261 33,440 SH   SOLE   33,440 0 0
ISHARES ESG AWARE MSCI USA ETF ETF 46435G425 52,070 513,767 SH   SOLE   491,493 0 22,274
SPDR GOLD SHARES ETF 78463V107 1,407 7,788 SH   SOLE   7,700 0 88
JPMORGAN ULTRA-SHORT INCOME ETF ETF 46641Q837 5,063 100,710 SH   SOLE   100,510 0 200
SPDR PORTFOLIO SHORT TERM CORPORATE BOND ETF ETF 78464A474 238 7,904 SH   SOLE   7,904 0 0
PIMCO ENHANCED SHORT MATURITY ACTIVE EXCHANGE-TRADED FUND ETF 72201R833 2,160 21,561 SH   SOLE   21,386 0 175
ISHARES S&P SMALL-CAP FUND ETF 464287804 2,569 23,813 SH   SOLE   23,813 0 0
FIRST TRUST LARGE CAP VALUE OPPORTUNITIES ALPHADEX FUND ETF 33735J101 938 13,297 SH   SOLE   13,297 0 0
VANGUARD INTERMEDIATE-TERM CORPORATE BOND ETF ETF 92206C870 269 3,132 SH   SOLE   3,132 0 0
MICROSOFT CORP COM Stock 594918104 416 1,348 SH   SOLE   1,056 0 292
CVS HEALTH CORP COM Stock 126650100 339 3,350 SH   SOLE   3,350 0 0
KEURIG DR PEPPER INC COM Stock 49271V100 202 5,325 SH   SOLE   5,325 0 0
VANGUARD INTERMEDIATE-TERM GOVERNMENT BOND ETF ETF 92206C706 3,248 51,637 SH   SOLE   51,637 0 0
VANGUARD SMALL-CAP INDEX FUND ETF 922908751 5,637 26,523 SH   SOLE   24,133 0 2,390
VANGUARD MID-CAP INDEX FUND ETF 922908629 255 1,070 SH   SOLE   1,070 0 0
VANGUARD SHORT-TERM GOVERNMENT BOND ETF ETF 92206C102 1,174 19,819 SH   SOLE   2,066 0 17,753
FIRST TRUST INDUSTRIALS/PRODUCER DURABLES ALPHADEX FUND ETF 33734X150 917 16,225 SH   SOLE   16,225 0 0
ISHARES ESG MSCI USA LEADERS ETF ETF 46435U218 4,872 61,529 SH   SOLE   61,529 0 0
ISHARES 0-5 YEAR TIPS BOND ETF ETF 46429B747 2,229 21,237 SH   SOLE   21,062 0 175
ISHARES MSCI EAFE GROWTH ETF ETF 464288885 6,093 63,289 SH   SOLE   61,561 0 1,728
LILLY ELI & CO COM Stock 532457108 319 1,115 SH   SOLE   1,115 0 0
LIFE STORAGE INC COM REIT 53223X107 239 1,700 SH   SOLE   1,700 0 0
VANGUARD MORTGAGE-BACKED SECURITIES ETF ETF 92206C771 22,053 440,188 SH   SOLE   399,059 0 41,129
ISHARES RUSSELL 2000 ETF ETF 464287655 890 4,335 SH   SOLE   4,142 0 193
INVESCO S&P 500 LOW VOLATILITY ETF ETF 46138E354 2,112 31,487 SH   SOLE   31,487 0 0
FIRST TRUST EMERGING MARKETS ALPHADEX FUND ETF 33737J182 560 22,275 SH   SOLE   22,275 0 0
ISHARES MSCI EAFE VALUE ETF ETF 464288877 3,833 76,258 SH   SOLE   76,258 0 0
ISHARES MSCI EMERGING MARKETS MIN VOL FACTOR ETF ETF 464286533 1,030 16,874 SH   SOLE   16,874 0 0
DIMENSIONAL U.S. TARGETED VALUE ETF ETF 25434V609 426 9,154 SH   SOLE   9,154 0 0
ISHARES MSCI EAFE MIN VOL FACTOR ETF ETF 46429B689 987 13,680 SH   SOLE   13,680 0 0
HERSHEY CO COM Stock 427866108 203 935 SH   SOLE   935 0 0
ISHARES MSCI USA MIN VOL FACTOR ETF ETF 46429B697 8,303 107,038 SH   SOLE   100,503 0 6,534
VANGUARD VALUE INDEX FUND ETF 922908744 264 1,787 SH   SOLE   1,786 0 0
ISHARES U.S. TREASURY BOND ETF ETF 46429B267 368 14,775 SH   SOLE   14,775 0 0
ELBIT SYS LTD ORD Stock M3760D101 402 1,825 SH   SOLE   1,825 0 0
ISHARES CORE S&P TOTAL U.S. STOCK MARKET ETF ETF 464287150 28,286 280,223 SH   SOLE   251,411 0 28,812
FIRST TRUST CAPITAL STRENGTH ETF ETF 33733E104 994 12,714 SH   SOLE   12,714 0 0
GLOBAL X MLP ETF ETF 37954Y343 421 10,439 SH   SOLE   10,439 0 0
FLOWERS FOODS INC COM Stock 343498101 204 7,925 SH   SOLE   7,925 0 0
ISHARES CORE MSCI EAFE ETF ETF 46432F842 37,838 544,350 SH   SOLE   511,292 0 33,058
KROGER CO COM Stock 501044101 305 5,325 SH   SOLE   5,325 0 0
ISHARES U.S. MEDICAL DEVICES ETF ETF 464288810 411 6,746 SH   SOLE   6,644 0 102
SPDR BLOOMBERG INVESTMENT GRADE FLOATING RATE ETF ETF 78468R200 1,907 62,534 SH   SOLE   62,534 0 0
ISHARES 1-5 YEAR INVESTMENT GRADE CORPORATE BOND ETF ETF 464288646 75,004 1,450,199 SH   SOLE   1,350,283 0 99,916
EATON VANCE TAX-MANAGED DIVERS COM CEF 27828N102 1,851 132,469 SH   SOLE   132,469 0 0
ISHARES CORE MSCI EMERGING MARKETS ETF ETF 46434G103 6,213 111,848 SH   SOLE   98,543 0 13,305
VANGUARD TOTAL BOND MARKET INDEX FUND ETF 921937835 365 4,594 SH   SOLE   4,594 0 0
ISHARES CORE 1-5 YEAR USD BOND ETF ETF 46432F859 1,935 39,935 SH   SOLE   39,835 0 100
ZOETIS INC CL A Stock 98978V103 219 1,159 SH   SOLE   1,125 0 34
INVESCO S&P SMALLCAP LOW VOLATILITY ETF ETF 46138G102 888 18,106 SH   SOLE   18,106 0 0
ISHARES MSCI EM ESG SELECT ETF ETF 46434G863 11,892 323,781 SH   SOLE   317,893 0 5,888
FIRST TRUST PREFERRED SECURITIES AND INCOME ETF ETF 33739E108 1,488 78,212 SH   SOLE   78,211 0 0
FIRST TRUST TACTICAL HIGH YIELD ETF ETF 33738D408 790 17,262 SH   SOLE   17,262 0 0
INVESCO S&P MIDCAP LOW VOLATILITY ETF ETF 46138E198 1,195 21,418 SH   SOLE   21,418 0 0
ADVISORSHARES NEWFLEETMULTI-SECTOR INCOME ETF ETF 00768Y727 1,060 22,606 SH   SOLE   22,606 0 0
GENERAL DYNAMICS CORP COM Stock 369550108 344 1,425 SH   SOLE   1,425 0 0
VANGUARD TOTAL INTERNATIONAL BOND ETF ETF 92203J407 12,592 240,119 SH   SOLE   209,824 0 30,295
ISHARES RUSSELL MID-CAP ETF ETF 464287499 2,072 26,552 SH   SOLE   25,902 0 650
SPDR SSGA US LARGE CAP LOW VOLATILITY INDEX ETF ETF 78468R804 2,615 18,201 SH   SOLE   18,201 0 0
AT&T INC COM Stock 00206R102 252 10,662 SH   SOLE   10,662 0 0
VANGUARD INTERMEDIATE-TERM BOND INDEX FUND ETF 921937819 43,762 534,334 SH   SOLE   492,542 0 41,792
SPDR PORTFOLIO SHORT TERM TREASURY ETF ETF 78468R101 1,544 52,075 SH   SOLE   51,675 0 400
ISHARES MSCI USA QUALITY FACTOR ETF ETF 46432F339 238 1,771 SH   SOLE   1,771 0 0
ISHARES S&P SMALL-CAP 600 GROWTH ETF ETF 464287887 787 6,292 SH   SOLE   6,292 0 0
ISHARES MSCI USA MOMENTUM FACTOR ETF ETF 46432F396 228 1,356 SH   SOLE   1,356 0 0
ISHARES U.S. TECHNOLOGY ETF ETF 464287721 972 9,433 SH   SOLE   9,433 0 0
ISHARES CORE S&P 500 ETF ETF 464287200 72,297 159,354 SH   SOLE   153,917 0 5,437
INVESCO BULLETSHARES 2022 CORPORATE BOND ETF ETF 46138J882 775 36,431 SH   SOLE   2,968 0 33,463
UNION PAC CORP COM Stock 907818108 984 3,600 SH   SOLE   3,600 0 0
ISHARES MBS ETF ETF 464288588 1,973 19,365 SH   SOLE   19,215 0 150
ISHARES 10-20 YEAR TREASURY BOND ETF ETF 464288653 461 3,427 SH   SOLE   3,427 0 0
NORTHROP GRUMMAN CORP COM Stock 666807102 360 806 SH   SOLE   795 0 11
LOCKHEED MARTIN CORP COM Stock 539830109 349 790 SH   SOLE   790 0 0
ISHARES 5-10 YEAR INVESTMENT GRADE CORPORATE BOND ETF ETF 464288638 698 12,716 SH   SOLE   12,716 0 0
CHEVRON CORP NEW COM Stock 166764100 237 1,458 SH   SOLE   1,458 0 0
ALBEMARLE CORP COM Stock 012653101 464 2,100 SH   SOLE   2,100 0 0
VANGUARD FTSE DEVELOPED MARKETS ETF ETF 921943858 235 4,899 SH   SOLE   4,898 0 0
FIRST TRUST GLOBAL TACTICAL COMMODITY STRATEGY FUND ETF 33739H101 1,703 59,900 SH   SOLE   59,900 0 0
ISHARES MORTGAGE REAL ESTATE ETF ETF 46435G342 853 26,099 SH   SOLE   26,099 0 0
VANGUARD FTSE EMERGING MARKETS ETF ETF 922042858 508 11,013 SH   SOLE   11,012 0 0
PFIZER INC COM Stock 717081103 437 8,442 SH   SOLE   8,050 0 392
ISHARES IBOXX $ INVESTMENT GRADE CORPORATE BOND ETF ETF 464287242 1,066 8,811 SH   SOLE   8,768 0 43
ISHARES MSCI USA VALUE FACTOR ETF ETF 46432F388 14,732 140,883 SH   SOLE   133,330 0 7,553
VANGUARD DIVIDEND APPRECIATION INDEX FUND ETF 921908844 347 2,141 SH   SOLE   2,141 0 0
ISHARES MSCI EAFE SMALL-CAP ETF ETF 464288273 316 4,763 SH   SOLE   4,763 0 0
ISHARES CORE U.S. AGGREGATE BOND ETF ETF 464287226 580 5,415 SH   SOLE   5,415 0 0
ISHARES 20 YEAR TREASURY BOND ETF ETF 464287432 697 5,274 SH   SOLE   5,274 0 0
ISHARES GLOBAL REIT ETF ETF 46434V647 902 30,880 SH   SOLE   30,880 0 0
FIRST TRUST ENHANCED SHORT MATURITY ETF ETF 33739Q408 1,816 30,500 SH   SOLE   30,500 0 0
ISHARES S&P SMALL-CAP 600 VALUE ETF ETF 464287879 241 2,358 SH   SOLE   2,358 0 0
ISHARES INTERMEDIATE GOVERNMENT/CREDIT BOND ETF ETF 464288612 627 5,775 SH   SOLE   5,775 0 0
INVESCO BULLETSHARES 2023 CORPORATE BOND ETF ETF 46138J866 321 15,215 SH   SOLE   0 0 15,215
VANGUARD SHORT-TERM BOND INDEX FUND ETF 921937827 145,582 1,868,836 SH   SOLE   1,724,343 0 144,493
EXXON MOBIL CORP COM Stock 30231G102 924 11,186 SH   SOLE   11,186 0 0
FIRST TRUST LOW DURATION MORTGAGE OPPORTUNITIES ETF ETF 33739Q200 2,738 55,929 SH   SOLE   55,929 0 0
FIRST TRUST VALUE LINE DIVIDEND INDEX FUND ETF 33734H106 1,026 24,250 SH   SOLE   24,250 0 0
ISHARES S&P MIDCAP FUND ETF 464287507 2,087 7,779 SH   SOLE   7,779 0 0
FIRST TRUST LARGE CAP GROWTH OPPORTUNITIES ALPHADEX FUND ETF 33735K108 1,094 10,250 SH   SOLE   10,250 0 0
ISHARES MSCI EAFE ETF ETF 464287465 2,684 36,469 SH   SOLE   35,804 0 665
APPLE INC COM Stock 037833100 252 1,444 SH   SOLE   924 0 520
ABBOTT LABS COM Stock 002824100 203 1,712 SH   SOLE   1,712 0 0
ISHARES RUSSELL 1000 ETF ETF 464287622 974 3,896 SH   SOLE   3,696 0 200
SPDR BLOOMBERG 1-3 MONTH T-BILL ETF ETF 78468R663 1,680 18,372 SH   SOLE   18,172 0 200
ISHARES RUSSELL 1000 VALUE ETF ETF 464287598 307 1,852 SH   SOLE   1,852 0 0