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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
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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
APPLE INC COM 037833100   307,365 2,366 SH   SOLE   0 0 2,366
CSX CORP COM 126408103   201,928 6,518 SH   SOLE   0 0 6,518
COLUMBIA ETF TR I MULTI SEC MUNI 19761L607   4,107,031 203,722 SH   SOLE   0 0 203,722
EXXON MOBIL CORP COM 30231G102   295,361 2,678 SH   SOLE   0 0 2,678
FIRST TR EXCHANGE-TRADED FD CAP STRENGTH ETF 33733E104   4,304,454 57,431 SH   SOLE   0 0 57,431
FIRST TR EXCHANGE-TRADED ALP SML CP GRW ALP 33737M300   3,185,375 57,623 SH   SOLE   0 0 57,623
FIRST TR EXCH TRADED FD III MANAGD MUN ETF 33739N108   1,972,283 39,359 SH   SOLE   0 0 39,359
FIRST TR EXCH TRADED FD III RIVRFRNT DYN DEV 33739P608   1,557,092 29,291 SH   SOLE   0 0 29,291
FIRST TR EXCH TRADED FD III HORIZON MNGD ETF 33739P871   321,374 11,833 SH   SOLE   0 0 11,833
FIRST TR EXCHANGE-TRADED FD FST LOW OPPT EFT 33739Q200   1,159,019 24,447 SH   SOLE   0 0 24,447
FIRST TR EXCHANGE-TRADED FD FIRST TR ENH NEW 33739Q408   361,012 6,074 SH   SOLE   0 0 6,074
FIRST TR EXCHNG TRADED FD VI TCW OPPORTUNIS 33740F805   748,418 17,040 SH   SOLE   0 0 17,040
FRANKLIN TEMPLETON ETF TR US MID CP MLTFCT 35473P884   2,690,440 64,786 SH   SOLE   0 0 64,786
GREIF INC CL A 397624107   653,835 9,750 SH   SOLE   0 0 9,750
INVESCO EXCH TRADED FD TR II S&P MIDCP LOW 46138E198   1,145,297 21,411 SH   SOLE   0 0 21,411
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354   1,759,802 27,540 SH   SOLE   0 0 27,540
INVESCO EXCH TRADED FD TR II S&P SMLCP LOW 46138G102   261,112 5,847 SH   SOLE   0 0 5,847
ISHARES TR CORE S&P500 ETF 464287200   1,260,033 3,280 SH   SOLE   0 0 3,280
ISHARES TR S&P 500 GRWT ETF 464287309   330,489 5,649 SH   SOLE   0 0 5,649
ISHARES TR CORE S&P MCP ETF 464287507   1,333,115 5,511 SH   SOLE   0 0 5,511
ISHARES TR S&P MC 400VL ETF 464287705   269,360 2,672 SH   SOLE   0 0 2,672
ISHARES TR CORE S&P SCP ETF 464287804   768,222 8,117 SH   SOLE   0 0 8,117
ISHARES TR CMBS ETF 46429B366   370,264 8,065 SH   SOLE   0 0 8,065
NEXTERA ENERGY INC COM 65339F101   237,077 2,836 SH   SOLE   0 0 2,836
NUSHARES ETF TR NUVEEN SHRT TERM 67092P706   424,317 14,930 SH   SOLE   0 0 14,930
NUSHARES ETF TR NUVEEN ESG INTL 67092P805   361,130 13,997 SH   SOLE   0 0 13,997
PACER FDS TR PACER US SMALL 69374H857   5,827,195 162,092 SH   SOLE   0 0 162,092
PACER FDS TR US CASH COWS 100 69374H881   11,546,202 249,648 SH   SOLE   0 0 249,648
SPDR GOLD TR GOLD SHS 78463V107   201,193 1,186 SH   SOLE   0 0 1,186
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   231,005 7,781 SH   SOLE   0 0 7,781
SPDR SER TR BBG CONV SEC ETF 78464A359   2,841,156 44,158 SH   SOLE   0 0 44,158
SPDR SER TR NUVEEN BLMBRG SH 78468R739   2,647,007 56,343 SH   SOLE   0 0 56,343
SPDR SER TR PORTFOLIO S&P600 78468R853   809,953 21,908 SH   SOLE   0 0 21,908
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   27,454,707 608,078 SH   SOLE   0 0 608,078
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   256,449 4,616 SH   SOLE   0 0 4,616
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   17,785,781 271,083 SH   SOLE   0 0 271,083
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   15,966,933 394,148 SH   SOLE   0 0 394,148
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   1,958,457 60,803 SH   SOLE   0 0 60,803
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   435,464 9,539 SH   SOLE   0 0 9,539
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   264,178 5,476 SH   SOLE   0 0 5,476
UNITED PARCEL SERVICE INC CL B 911312106   1,686,422 9,701 SH   SOLE   0 0 9,701
VANECK ETF TRUST GREEN BOND ETF 92189F171   208,791 9,082 SH   SOLE   0 0 9,082
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   1,270,684 26,791 SH   SOLE   0 0 26,791
VANGUARD SCOTTSDALE FDS TOTAL WLD BD ETF 92206C565   6,875,969 102,550 SH   SOLE   0 0 102,550
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   379,810 4,605 SH   SOLE   0 0 4,605
VANGUARD INDEX FDS MID CAP ETF 922908629   3,206,605 15,733 SH   SOLE   0 0 15,733
VANGUARD INDEX FDS GROWTH ETF 922908736   200,109 939 SH   SOLE   0 0 939
VANGUARD INDEX FDS SMALL CP ETF 922908751   1,266,029 6,898 SH   SOLE   0 0 6,898