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
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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
AT&T INC COM 00206R102   661,054 35,907 SH   SOLE   34,987 921 0
AMAZON COM INC COM 023135106   1,275,792 15,188 SH   SOLE   14,826 362 0
FIRST TR EXCHNG TRADED FD VI CBOE VEST FD DEP 33740U703   5,294,948 269,189 SH   SOLE   264,466 4,723 0
FORD MTR CO DEL COM 345370860   234,937 20,201 SH   SOLE   19,589 612 0
INVESCO EXCH TRD SLF IDX FD BULETSHS 2027 46138J585   252,054 11,792 SH   SOLE   11,792 0 0
INVESCO EXCH TRD SLF IDX FD INVSCO BLSH 26 46138J635   10,785,630 479,042 SH   SOLE   475,680 3,362 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2027 CB 46138J783   6,265,410 329,845 SH   SOLE   327,026 2,819 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2025 HY 46138J817   11,462,860 518,447 SH   SOLE   514,973 3,474 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2024 CB 46138J841   11,090,284 541,383 SH   SOLE   537,700 3,683 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2023 CB 46138J866   5,730,991 273,164 SH   SOLE   271,300 1,865 0
ISHARES TR CORE S&P TTL STK 464287150   2,125,176 25,061 SH   SOLE   24,911 150 0
ISHARES TR TIPS BD ETF 464287176   14,386,427 135,160 SH   SOLE   135,017 143 0
ISHARES TR CORE S&P US VLU 464287663   1,788,030 25,315 SH   SOLE   25,315 0 0
ISHARES TR CORE S&P US GWT 464287671   36,661,293 449,721 SH   SOLE   448,304 1,418 0
ISHARES TR U.S. TECH ETF 464287721   1,065,954 14,310 SH   SOLE   14,310 0 0
ISHARES TR U.S. ENERGY ETF 464287796   1,107,617 23,825 SH   SOLE   23,825 0 0
ISHARES TR CRE U S REIT ETF 464288521   12,135,793 245,415 SH   SOLE   244,667 748 0
ISHARES TR ISHS 5-10YR INVT 464288638   19,607,254 396,026 SH   SOLE   395,622 404 0
ISHARES TR EAFE VALUE ETF 464288877   1,628,652 35,498 SH   SOLE   35,498 0 0
ISHARES TR EAFE GRWTH ETF 464288885   1,080,930 12,905 SH   SOLE   12,905 0 0
ISHARES TR AGGRES ALLOC ETF 464289859   3,864,896 64,684 SH   SOLE   64,506 178 0
ISHARES TR GRWT ALLOCAT ETF 464289867   1,389,519 29,464 SH   SOLE   29,464 0 0
ISHARES TR MODERT ALLOC ETF 464289875   590,827 15,544 SH   SOLE   15,544 0 0
ISHARES TR CONSER ALLOC ETF 464289883   424,553 12,632 SH   SOLE   12,632 0 0
ISHARES TR US TREAS BD ETF 46429B267   1,142,157 50,271 SH   SOLE   50,271 0 0
ISHARES TR MSCI USA MIN VOL 46429B697   1,087,302 15,080 SH   SOLE   15,080 0 0
ISHARES TR 0-5YR HI YL CP 46434V407   16,408,997 401,296 SH   SOLE   400,945 351 0
ISHARES TR CORE TOTAL USD 46434V613   1,705,468 37,958 SH   SOLE   37,958 0 0
ISHARES TR US INFRASTRUC 46435U713   1,089,366 30,043 SH   SOLE   30,043 0 0
NUSHARES ETF TR NUVEEN ESG LRGVL 67092P300   415,263 12,128 SH   SOLE   12,128 0 0
NUSHARES ETF TR NUVEEN ESG INTL 67092P805   335,942 13,021 SH   SOLE   13,021 0 0
NUSHARES ETF TR NUVEEN ESG US 67092P870   702,334 32,262 SH   SOLE   32,262 0 0
SPDR SER TR BBG CONV SEC ETF 78464A359   7,772,041 120,796 SH   SOLE   120,682 115 0
SPDR SER TR PORTFOLIO LN COR 78464A367   232,672 10,364 SH   SOLE   10,364 0 0
SPDR SER TR S&P DIVID ETF 78464A763   57,122,475 456,578 SH   SOLE   455,014 1,564 0
SSGA ACTIVE ETF TR MULT ASS RLRTN 78467V103   916,759 33,288 SH   SOLE   33,288 0 0
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   11,665,343 154,959 SH   SOLE   154,797 162 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   13,438,749 320,199 SH   SOLE   319,850 348 0
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   7,433,772 156,731 SH   SOLE   156,568 164 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   522,058 13,393 SH   SOLE   13,393 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   6,460,610 18,388 SH   SOLE   18,388 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629   12,509,010 61,376 SH   SOLE   61,270 105 0
VANGUARD INDEX FDS SMALL CP ETF 922908751   27,698,825 150,914 SH   SOLE   150,395 519 0
WELLS FARGO CO NEW COM 949746101   709,117 17,174 SH   SOLE   16,775 399 0
WISDOMTREE TR EM EX ST-OWNED 97717X578   13,483,399 505,375 SH   SOLE   503,778 1,597 0