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 1,600 60,704 SH   SOLE 0 60,304 0 400
ISHARES CORE INTERNATIONAL AGGREGATE BOND FUND ETF 46435G672 1,438 28,862 SH   SOLE 0 28,712 0 150
DOLLAR GEN CORP NEW COM Stock 256677105 287 1,168 SH   SOLE 0 1,150 0 18
JOHNSON & JOHNSON COM Stock 478160104 447 2,520 SH   SOLE 0 2,520 0 0
ISHARES GLOBAL TECH ETF ETF 464287291 1,428 31,258 SH   SOLE 0 31,258 0 0
ISHARES MSCI INTL VALUE FACTOR ETF ETF 46435G409 3,640 164,123 SH   SOLE 0 164,123 0 0
ISHARES MSCI EMERGING MARKETS ETF ETF 464287234 371 9,248 SH   SOLE 0 8,913 0 335
COCA COLA CO COM Stock 191216100 315 5,000 SH   SOLE 0 5,000 0 0
GENERAL MLS INC COM Stock 370334104 228 3,026 SH   SOLE 0 3,026 0 0
ISHARES U.S. ENERGY ETF ETF 464287796 1,020 26,765 SH   SOLE 0 26,765 0 0
INVESCO BULLETSHARES 2025 CORPORATE BOND ETF ETF 46138J825 19,162 937,470 SH   SOLE 0 875,320 0 62,150
VANGUARD REAL ESTATE ETF ETF 922908553 1,716 18,834 SH   SOLE 0 18,834 0 0
ISHARES U.S. FIXED INCOME BALANCED RISK FACTOR ETF ETF 46435U796 1,871 21,792 SH   SOLE 0 21,792 0 0
SPDR S&P 500 ETF ETF 78462F103 506 1,341 SH   SOLE 0 1,341 0 0
ISHARES CORE CONSERVATIVE ALLOCATION ETF ETF 464289883 1,622 46,932 SH   SOLE 0 46,932 0 0
ISHARES TIPS BOND ETF ETF 464287176 1,684 14,781 SH   SOLE 0 14,781 0 0
FIRST TRUST NASDAQ SEMICONDUCTOR ETF ETF 33738R811 345 6,500 SH   SOLE 0 6,500 0 0
JANUS HENDERSON SHORT DURATION INCOME ETF ETF 47103U886 1,277 26,250 SH   SOLE 0 26,250 0 0
ISHARES S&P 100 ETF ETF 464287101 2,809 16,285 SH   SOLE 0 16,285 0 0
VERIZON COMMUNICATIONS INC COM Stock 92343V104 424 8,349 SH   SOLE 0 8,349 0 0
PEPSICO INC COM Stock 713448108 349 2,097 SH   SOLE 0 2,097 0 0
ISHARES 1-3 YEAR TREASURY BOND ETF ETF 464287457 2,158 26,060 SH   SOLE 0 25,935 0 125
FIRST TRUST TCW OPPORTUNISTIC FIXED INCOME ETF ETF 33740F805 757 16,323 SH   SOLE 0 16,323 0 0
HONEYWELL INTL INC COM Stock 438516106 300 1,725 SH   SOLE 0 1,725 0 0
X-TRACKERS USD HIGH YIELD CORPORATE BOND ETF ETF 233051432 1,128 33,440 SH   SOLE 0 33,440 0 0
ISHARES ESG AWARE MSCI USA ETF ETF 46435G425 42,823 510,411 SH   SOLE 0 486,646 0 23,765
SPDR GOLD SHARES ETF 78463V107 1,312 7,788 SH   SOLE 0 7,700 0 88
JPMORGAN ULTRA-SHORT INCOME ETF ETF 46641Q837 4,900 97,819 SH   SOLE 0 97,619 0 200
SPDR PORTFOLIO SHORT TERM CORPORATE BOND ETF ETF 78464A474 318 10,689 SH   SOLE 0 10,689 0 0
PIMCO ENHANCED SHORT MATURITY ACTIVE EXCHANGE-TRADED FUND ETF 72201R833 2,137 21,561 SH   SOLE 0 21,386 0 175
ISHARES S&P SMALL-CAP FUND ETF 464287804 1,341 14,515 SH   SOLE 0 14,515 0 0
FIRST TRUST LARGE CAP VALUE OPPORTUNITIES ALPHADEX FUND ETF 33735J101 833 13,412 SH   SOLE 0 13,412 0 0
ISHARES U.S. INFRASTRUCTURE ETF ETF 46435U713 693 20,366 SH   SOLE 0 20,366 0 0
MICROSOFT CORP COM Stock 594918104 346 1,348 SH   SOLE 0 1,056 0 292
CVS HEALTH CORP COM Stock 126650100 310 3,350 SH   SOLE 0 3,350 0 0
INVESCO BULLETSHARES 2026 CORPORATE BOND ETF ETF 46138J791 19,054 988,767 SH   SOLE 0 924,180 0 64,587
VANGUARD INTERMEDIATE-TERM GOVERNMENT BOND ETF ETF 92206C706 3,158 51,637 SH   SOLE 0 51,637 0 0
VANGUARD SMALL-CAP INDEX FUND ETF 922908751 8,083 45,897 SH   SOLE 0 43,161 0 2,735
VANGUARD SHORT-TERM GOVERNMENT BOND ETF ETF 92206C102 1,167 19,819 SH   SOLE 0 2,066 0 17,753
FIRST TRUST INDUSTRIALS/PRODUCER DURABLES ALPHADEX FUND ETF 33734X150 781 16,225 SH   SOLE 0 16,225 0 0
ISHARES ESG MSCI USA LEADERS ETF ETF 46435U218 4,101 61,764 SH   SOLE 0 61,764 0 0
ISHARES 0-5 YEAR TIPS BOND ETF ETF 46429B747 2,154 21,237 SH   SOLE 0 21,062 0 175
ISHARES MSCI EAFE GROWTH ETF ETF 464288885 4,082 50,719 SH   SOLE 0 49,448 0 1,271
LILLY ELI & CO COM Stock 532457108 405 1,249 SH   SOLE 0 1,249 0 0
VANGUARD MORTGAGE-BACKED SECURITIES ETF ETF 92206C771 22,746 475,760 SH   SOLE 0 435,093 0 40,667
ISHARES RUSSELL 2000 ETF ETF 464287655 205 1,210 SH   SOLE 0 1,017 0 193
ISHARES CORE HIGH DIVIDEND ETF ETF 46429B663 1,591 15,844 SH   SOLE 0 15,844 0 0
INVESCO S&P 500 LOW VOLATILITY ETF ETF 46138E354 1,952 31,487 SH   SOLE 0 31,487 0 0
FIRST TRUST EMERGING MARKETS ALPHADEX FUND ETF 33737J182 475 22,275 SH   SOLE 0 22,275 0 0
ISHARES SELECT DIVIDEND ETF ETF 464287168 271 2,304 SH   SOLE 0 2,304 0 0
ISHARES MSCI EAFE VALUE ETF ETF 464288877 770 17,750 SH   SOLE 0 17,750 0 0
ISHARES MSCI EMERGING MARKETS MIN VOL FACTOR ETF ETF 464286533 2,052 37,013 SH   SOLE 0 37,013 0 0
DIMENSIONAL U.S. TARGETED VALUE ETF ETF 25434V609 368 9,154 SH   SOLE 0 9,154 0 0
ISHARES MSCI EAFE MIN VOL FACTOR ETF ETF 46429B689 860 13,580 SH   SOLE 0 13,580 0 0
HERSHEY CO COM Stock 427866108 201 935 SH   SOLE 0 935 0 0
ISHARES MSCI USA MIN VOL FACTOR ETF ETF 46429B697 7,856 111,897 SH   SOLE 0 105,324 0 6,572
DIMENSIONAL INTERNATIONAL VALUE ETF ETF 25434V807 18,753 649,103 SH   SOLE 0 612,359 0 36,744
VANGUARD VALUE INDEX FUND ETF 922908744 219 1,658 SH   SOLE 0 1,658 0 0
ISHARES U.S. TREASURY BOND ETF ETF 46429B267 377 15,783 SH   SOLE 0 15,783 0 0
ELBIT SYS LTD ORD Stock M3760D101 419 1,825 SH   SOLE 0 1,825 0 0
ISHARES CORE S&P TOTAL U.S. STOCK MARKET ETF ETF 464287150 26,708 318,791 SH   SOLE 0 290,683 0 28,108
FIRST TRUST CAPITAL STRENGTH ETF ETF 33733E104 889 12,714 SH   SOLE 0 12,714 0 0
GLOBAL X MLP ETF ETF 37954Y343 385 10,439 SH   SOLE 0 10,439 0 0
VANGUARD SHORT-TERM INFLATION-PROTECTED SECURITIES ETF ETF 922020805 30,255 603,642 SH   SOLE 0 562,493 0 41,149
FLOWERS FOODS INC COM Stock 343498101 209 7,925 SH   SOLE 0 7,925 0 0
ISHARES CORE MSCI EAFE ETF ETF 46432F842 18,420 312,998 SH   SOLE 0 295,858 0 17,140
KROGER CO COM Stock 501044101 252 5,325 SH   SOLE 0 5,325 0 0
SPDR BLOOMBERG INVESTMENT GRADE FLOATING RATE ETF ETF 78468R200 1,883 62,534 SH   SOLE 0 62,534 0 0
ISHARES 1-5 YEAR INVESTMENT GRADE CORPORATE BOND ETF ETF 464288646 709 14,030 SH   SOLE 0 14,030 0 0
EATON VANCE TAX-MANAGED DIVERS COM CEF 27828N102 1,501 132,469 SH   SOLE 0 132,469 0 0
ISHARES CORE MSCI EMERGING MARKETS ETF ETF 46434G103 8,561 174,501 SH   SOLE 0 159,412 0 15,089
VANGUARD TOTAL BOND MARKET INDEX FUND ETF 921937835 460 6,113 SH   SOLE 0 6,113 0 0
ISHARES CORE 1-5 YEAR USD BOND ETF ETF 46432F859 1,893 39,935 SH   SOLE 0 39,835 0 100
INVESCO S&P SMALLCAP LOW VOLATILITY ETF ETF 46138G102 805 18,079 SH   SOLE 0 18,079 0 0
ISHARES MSCI EM ESG SELECT ETF ETF 46434G863 8,566 265,118 SH   SOLE 0 259,987 0 5,131
FIRST TRUST TACTICAL HIGH YIELD ETF ETF 33738D408 676 17,262 SH   SOLE 0 17,262 0 0
INVESCO S&P MIDCAP LOW VOLATILITY ETF ETF 46138E198 1,101 21,418 SH   SOLE 0 21,418 0 0
ADVISORSHARES NEWFLEETMULTI-SECTOR INCOME ETF ETF 00768Y727 1,031 22,606 SH   SOLE 0 22,606 0 0
GENERAL DYNAMICS CORP COM Stock 369550108 315 1,425 SH   SOLE 0 1,425 0 0
VANGUARD TOTAL INTERNATIONAL BOND ETF ETF 92203J407 12,622 254,782 SH   SOLE 0 224,359 0 30,423
ISHARES RUSSELL MID-CAP ETF ETF 464287499 475 7,352 SH   SOLE 0 6,702 0 650
SPDR SSGA US LARGE CAP LOW VOLATILITY INDEX ETF ETF 78468R804 2,242 17,120 SH   SOLE 0 17,120 0 0
VANGUARD INTERMEDIATE-TERM BOND INDEX FUND ETF 921937819 504 6,490 SH   SOLE 0 6,290 0 200
SPDR PORTFOLIO SHORT TERM TREASURY ETF ETF 78468R101 1,534 52,075 SH   SOLE 0 51,675 0 400
ISHARES U.S. TECHNOLOGY ETF ETF 464287721 636 7,953 SH   SOLE 0 7,953 0 0
ISHARES CORE S&P 500 ETF ETF 464287200 60,864 160,527 SH   SOLE 0 154,972 0 5,555
INVESCO BULLETSHARES 2022 CORPORATE BOND ETF ETF 46138J882 772 36,431 SH   SOLE 0 2,968 0 33,463
UNION PAC CORP COM Stock 907818108 768 3,600 SH   SOLE 0 3,600 0 0
ISHARES MBS ETF ETF 464288588 1,793 18,393 SH   SOLE 0 18,243 0 150
ISHARES 10-20 YEAR TREASURY BOND ETF ETF 464288653 415 3,457 SH   SOLE 0 3,457 0 0
NORTHROP GRUMMAN CORP COM Stock 666807102 386 806 SH   SOLE 0 795 0 11
LOCKHEED MARTIN CORP COM Stock 539830109 352 819 SH   SOLE 0 819 0 0
CHEVRON CORP NEW COM Stock 166764100 217 1,499 SH   SOLE 0 1,499 0 0
ALBEMARLE CORP COM Stock 012653101 439 2,100 SH   SOLE 0 2,100 0 0
VANGUARD FTSE DEVELOPED MARKETS ETF ETF 921943858 230 5,643 SH   SOLE 0 5,643 0 0
FIRST TRUST GLOBAL TACTICAL COMMODITY STRATEGY FUND ETF 33739H101 1,603 59,900 SH   SOLE 0 59,900 0 0
ISHARES MORTGAGE REAL ESTATE ETF ETF 46435G342 698 26,099 SH   SOLE 0 26,099 0 0
PFIZER INC COM Stock 717081103 455 8,675 SH   SOLE 0 8,283 0 392
ISHARES IBOXX $ INVESTMENT GRADE CORPORATE BOND ETF ETF 464287242 858 7,799 SH   SOLE 0 7,799 0 0
ISHARES MSCI USA VALUE FACTOR ETF ETF 46432F388 13,386 147,878 SH   SOLE 0 140,169 0 7,709
VANGUARD DIVIDEND APPRECIATION INDEX FUND ETF 921908844 307 2,141 SH   SOLE 0 2,141 0 0
ISHARES CORE U.S. AGGREGATE BOND ETF ETF 464287226 507 4,989 SH   SOLE 0 4,989 0 0
ISHARES 20 YEAR TREASURY BOND ETF ETF 464287432 598 5,207 SH   SOLE 0 5,207 0 0
ISHARES GLOBAL REIT ETF ETF 46434V647 747 30,880 SH   SOLE 0 30,880 0 0
FIRST TRUST ENHANCED SHORT MATURITY ETF ETF 33739Q408 1,819 30,630 SH   SOLE 0 30,630 0 0
ISHARES S&P SMALL-CAP 600 VALUE ETF ETF 464287879 1,137 12,768 SH   SOLE 0 12,768 0 0
ISHARES INTERMEDIATE GOVERNMENT/CREDIT BOND ETF ETF 464288612 552 5,231 SH   SOLE 0 5,231 0 0
INVESCO BULLETSHARES 2023 CORPORATE BOND ETF ETF 46138J866 19,455 928,636 SH   SOLE 0 854,715 0 73,921
INVESCO BULLETSHARES 2024 CORPORATE BOND ETF ETF 46138J841 19,120 921,880 SH   SOLE 0 860,622 0 61,258
VANGUARD SHORT-TERM BOND INDEX FUND ETF 921937827 194,183 2,528,760 SH   SOLE 0 2,346,219 0 182,541
BRISTOL-MYERS SQUIBB CO COM Stock 110122108 206 2,675 SH   SOLE 0 2,675 0 0
ISHARES GSCI COMMODITY DYNAMIC ROLL STRATEGY ETF ETF 46431W853 368 8,994 SH   SOLE 0 8,994 0 0
EXXON MOBIL CORP COM Stock 30231G102 922 10,770 SH   SOLE 0 10,770 0 0
FIRST TRUST LOW DURATION MORTGAGE OPPORTUNITIES ETF ETF 33739Q200 2,701 55,929 SH   SOLE 0 55,929 0 0
FIRST TRUST VALUE LINE DIVIDEND INDEX FUND ETF 33734H106 941 24,250 SH   SOLE 0 24,250 0 0
ISHARES S&P MIDCAP FUND ETF 464287507 1,744 7,708 SH   SOLE 0 7,708 0 0
FIRST TRUST LARGE CAP GROWTH OPPORTUNITIES ALPHADEX FUND ETF 33735K108 903 10,247 SH   SOLE 0 10,247 0 0
ISHARES MSCI EAFE ETF ETF 464287465 2,339 37,422 SH   SOLE 0 36,757 0 665
ABBOTT LABS COM Stock 002824100 200 1,845 SH   SOLE 0 1,845 0 0
ISHARES RUSSELL 1000 ETF ETF 464287622 917 4,416 SH   SOLE 0 4,216 0 200
SPDR BLOOMBERG 1-3 MONTH T-BILL ETF ETF 78468R663 1,681 18,372 SH   SOLE 0 18,172 0 200
ISHARES RUSSELL 1000 VALUE ETF ETF 464287598 268 1,852 SH   SOLE 0 1,852 0 0