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
Expires: July 31, 2015
Estimated average burden
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
ABBVIE INC COM 00287Y109 2,391,374 14,797 SH SOLE 0 0 14,797
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 2,164,072 8,110 SH SOLE 0 0 8,110
APPLE INC COM 037833100 4,575,076 35,212 SH SOLE 0 0 35,212
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 341,643 1,106 SH SOLE 0 0 1,106
BHP GROUP LTD SPONSORED ADS 088606108 1,625,303 26,193 SH SOLE 0 0 26,193
BLACKROCK INC COM 09247X101 792,190 1,118 SH SOLE 0 0 1,118
BLACKSTONE INC COM 09260D107 545,446 7,352 SH SOLE 0 0 7,352
BOEING CO COM 097023105 355,470 1,866 SH SOLE 0 0 1,866
BROADCOM INC COM 11135F101 947,216 1,694 SH SOLE 0 0 1,694
CHEVRON CORP NEW COM 166764100 875,885 4,880 SH SOLE 0 0 4,880
DOW INC COM 260557103 801,996 15,916 SH SOLE 0 0 15,916
DUKE ENERGY CORP NEW COM NEW 26441C204 811,461 7,879 SH SOLE 0 0 7,879
GENERAL MLS INC COM 370334104 583,442 6,958 SH SOLE 0 0 6,958
GOLDMAN SACHS BDC INC SHS 38147U107 197,465 14,393 SH SOLE 0 0 14,393
HONEYWELL INTL INC COM 438516106 365,596 1,706 SH SOLE 0 0 1,706
ILLINOIS TOOL WKS INC COM 452308109 254,186 1,154 SH SOLE 0 0 1,154
INVESCO EXCHANGE TRADED FD T DWA MOMENTUM 46137V837 1,197,789 16,858 SH SOLE 0 0 16,858
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 583,589 4,132 SH SOLE 0 0 4,132
INVESCO QQQ TR UNIT SER 1 46090E103 4,395,936 16,509 SH SOLE 0 0 16,509
ISHARES INC MSCI GBL MIN VOL 464286525 4,274,452 44,985 SH SOLE 0 0 44,985
ISHARES TR MSCI USA MMENTM 46432F396 7,670,971 52,566 SH SOLE 0 0 52,566
ISHARES TR 3 7 YR TREAS BD 464288661 4,306,200 37,481 SH SOLE 0 0 37,481
ISHARES TR CORE S&P500 ETF 464287200 224,206 584 SH SOLE 0 0 584
ISHARES TR US INDUSTRIALS 464287754 1,880,799 19,498 SH SOLE 0 0 19,498
ISHARES TR 1 3 YR TREAS BD 464287457 4,390,493 54,090 SH SOLE 0 0 54,090
J P MORGAN EXCHANGE TRADED F ULTRA SHT MUNCPL 46641Q654 509,255 10,077 SH SOLE 0 0 10,077
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332 576,977 10,589 SH SOLE 0 0 10,589
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837 6,061,739 120,920 SH SOLE 0 0 120,920
JOHNSON & JOHNSON COM 478160104 2,205,168 12,483 SH SOLE 0 0 12,483
JPMORGAN CHASE & CO COM 46625H100 1,132,187 8,443 SH SOLE 0 0 8,443
KINDER MORGAN INC DEL COM 49456B101 800,103 44,253 SH SOLE 0 0 44,253
KROGER CO COM 501044101 2,871,461 64,411 SH SOLE 0 0 64,411
LOWES COS INC COM 548661107 1,640,342 8,233 SH SOLE 0 0 8,233
MERCK & CO INC COM 58933Y105 1,382,607 12,462 SH SOLE 0 0 12,462
MICROSOFT CORP COM 594918104 876,744 3,656 SH SOLE 0 0 3,656
PACKAGING CORP AMER COM 695156109 1,365,174 10,673 SH SOLE 0 0 10,673
PEPSICO INC COM 713448108 1,733,702 9,596 SH SOLE 0 0 9,596
PIONEER NAT RES CO COM 723787107 1,440,434 6,307 SH SOLE 0 0 6,307
PROCTER AND GAMBLE CO COM 742718109 679,184 4,481 SH SOLE 0 0 4,481
QUALCOMM INC COM 747525103 1,328,286 12,082 SH SOLE 0 0 12,082
RIO TINTO PLC SPONSORED ADR 767204100 1,581,338 22,210 SH SOLE 0 0 22,210
SALESFORCE INC COM 79466L302 665,337 5,018 SH SOLE 0 0 5,018
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 8,793,687 196,244 SH SOLE 0 0 196,244
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 9,564,009 296,927 SH SOLE 0 0 296,927
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 1,616,664 35,807 SH SOLE 0 0 35,807
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763 5,163,272 110,515 SH SOLE 0 0 110,515
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 10,094,528 133,632 SH SOLE 0 0 133,632
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 1,718,641 42,425 SH SOLE 0 0 42,425
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 6,232,985 263,328 SH SOLE 0 0 263,328
SCHWAB STRATEGIC TR US REIT ETF 808524847 274,338 14,222 SH SOLE 0 0 14,222
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 6,868,295 104,684 SH SOLE 0 0 104,684
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 1,805,636 13,980 SH SOLE 0 0 13,980
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308 1,690,511 22,676 SH SOLE 0 0 22,676
SMUCKER J M CO COM NEW 832696405 587,215 3,706 SH SOLE 0 0 3,706
SPDR S&P 500 ETF TR TR UNIT 78462F103 298,729 781 SH SOLE 0 0 781
SPDR SER TR S&P DIVID ETF 78464A763 1,191,321 9,522 SH SOLE 0 0 9,522
SYSCO CORP COM 871829107 560,397 7,330 SH SOLE 0 0 7,330
UNITED PARCEL SERVICE INC CL B 911312106 307,530 1,769 SH SOLE 0 0 1,769
VANECK ETF TRUST GOLD MINERS ETF 92189F106 5,186,635 180,971 SH SOLE 0 0 180,971
VANECK ETF TRUST BDC INCOME ETF 92189F411 401,851 28,399 SH SOLE 0 0 28,399
VANECK ETF TRUST SEMICONDUCTR ETF 92189F676 946,640 4,665 SH SOLE 0 0 4,665
VANGUARD INDEX FDS GROWTH ETF 922908736 305,406 1,433 SH SOLE 0 0 1,433
VANGUARD INDEX FDS TOTAL STK MKT 922908769 2,896,002 15,147 SH SOLE 0 0 15,147
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 340,109 968 SH SOLE 0 0 968
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 2,897,300 28,181 SH SOLE 0 0 28,181
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 3,816,396 81,704 SH SOLE 0 0 81,704
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 4,964,552 66,027 SH SOLE 0 0 66,027
VANGUARD STAR FDS VG TL INTL STK F 921909768 1,232,419 23,829 SH SOLE 0 0 23,829
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 571,907 5,285 SH SOLE 0 0 5,285
VANGUARD WORLD FDS CONSUM STP ETF 92204A207 286,972 1,498 SH SOLE 0 0 1,498
VANGUARD WORLD FDS FINANCIALS ETF 92204A405 857,820 10,369 SH SOLE 0 0 10,369
VISA INC COM CL A 92826C839 889,344 4,281 SH SOLE 0 0 4,281
WALMART INC COM 931142103 786,167 5,545 SH SOLE 0 0 5,545
WP CAREY INC COM 92936U109 669,495 8,567 SH SOLE 0 0 8,567