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
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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
Automatic Data Processing Inc COM 053015103 203 848 SH SOLE 0 0 848
Sector Healthcare Select Sector Spdr Etf ETF 81369Y209 205 1,510 SH SOLE 0 0 1,510
Ishares Ibonds Dec 2025 Term Muni Bd Etf ETF 46435U432 206 7,826 SH SOLE 0 0 7,826
Ishares Ibonds Dec 2025 Term Corp Etf ETF 46434VBD1 218 8,960 SH SOLE 0 0 8,960
Fidelity Msci Information Tech Index Etf ETF 316092808 220 2,324 SH SOLE 0 0 2,324
Jp Morgan Ultra Short Municipal Income Etf ETF 46641Q654 232 4,581 SH SOLE 0 0 4,581
Coca-cola Company COM 191216100 232 3,647 SH SOLE 0 0 3,647
Spdr Gold Trust Gold Shares ETF 78463V107 233 1,376 SH SOLE 0 0 1,376
Ishares Msci Eafe Etf ETF 464287465 234 3,569 SH SOLE 0 0 3,569
Walt Disney Co COM 254687106 236 2,719 SH SOLE 0 0 2,719
Ishares Msci Usa Value Factor Etf ETF 46432F388 238 2,610 SH SOLE 0 0 2,610
General Electric Co New COM 369604301 242 2,890 SH SOLE 0 0 2,890
Spdr Portfolio S&p 400 Mid Cap Etf ETF 78464A847 244 5,738 SH SOLE 0 0 5,738
Pepsico Inc COM 713448108 249 1,378 SH SOLE 0 0 1,378
Bristol Myers Squibb Company COM 110122108 253 3,512 SH SOLE 0 0 3,512
Unitedhealth Group Inc COM 91324P102 260 490 SH SOLE 0 0 490
Sector Energy Select Sector Spdr Etf ETF 81369Y506 262 3,000 SH SOLE 0 0 3,000
Alphabet Inc Cl C COM 02079K107 266 3,000 SH SOLE 0 0 3,000
Blackrock Ultra Short Term Bond Etf ETF 46434V878 267 5,345 SH SOLE 0 0 5,345
Home Depot Inc COM 437076102 276 875 SH SOLE 0 0 875
Norfolk Southern Corp COM 655844108 277 1,125 SH SOLE 0 0 1,125
Intl Business Machines Corp COM 459200101 283 2,006 SH SOLE 0 0 2,006
Ishares Core 1-5 Year Usd Bond Etf ETF 46432F859 297 6,398 SH SOLE 0 0 6,398
Raytheon Technologies Corp COM 75513E101 297 2,946 SH SOLE 0 0 2,946
Spdr Series Trust S&p Dividend Etf ETF 78464A763 313 2,500 SH SOLE 0 0 2,500
Ishares Russell 3000 Etf ETF 464287689 314 1,424 SH SOLE 0 0 1,424
Procter & Gamble Co COM 742718109 315 2,076 SH SOLE 0 0 2,076
Johnson & Johnson COM 478160104 324 1,835 SH SOLE 0 0 1,835
Anheuser Busch Inbev Sa/nv COM 03524A108 330 5,500 SH SOLE 0 0 5,500
Ishares S&p 500 Growth Etf ETF 464287309 349 5,964 SH SOLE 0 0 5,964
Vanguard S&p 500 Index Etf ETF 922908363 350 996 SH SOLE 0 0 996
Wisdomtree U S Short Term Corp Bond Etf ETF 97717X156 360 7,700 SH SOLE 0 0 7,700
Tesla Inc COM 88160R101 372 3,018 SH SOLE 0 0 3,018
Ishares Iboxx $ High Yield Corp Bond Etf ETF 464288513 383 5,200 SH SOLE 0 0 5,200
Spdr Series Trust S&p 600 Small Cap Etf ETF 78464A813 404 4,913 SH SOLE 0 0 4,913
Ishares U S Healthcare Etf ETF 464287762 426 1,500 SH SOLE 0 0 1,500
Thermo Fisher Scientific Inc COM 883556102 428 778 SH SOLE 0 0 778
Mckesson Corp COM 58155Q103 435 1,160 SH SOLE 0 0 1,160
Vanguard Total Intl Stock Index Fund Etf ETF 921909768 440 8,503 SH SOLE 0 0 8,503
Nextera Energy Inc COM 65339F101 440 5,264 SH SOLE 0 0 5,264
Vanguard Short Term Inflation Protected Securities Etf ETF 922020805 464 9,924 SH SOLE 0 0 9,924
First Trust Cap Strength Etf ETF 33733E104 482 6,429 SH SOLE 0 0 6,429
Spdr Dow Jones Industrial Average Etf ETF 78467X109 482 1,455 SH SOLE 0 0 1,455
Ishares Msci Usa Min Volatility Factor Etf ETF 46429B697 484 6,706 SH SOLE 0 0 6,706
Spdr S&p Regional Banking Etf ETF 78464A698 485 8,259 SH SOLE 0 0 8,259
Waste Management Inc Del COM 94106L109 497 3,170 SH SOLE 0 0 3,170
Pfizer Inc COM 717081103 503 9,824 SH SOLE 0 0 9,824
Select Utilities Select Sector Spdr Etf ETF 81369Y886 511 7,245 SH SOLE 0 0 7,245
Spdr Series Trust S&p 600 Small Cap Value Etf ETF 78464A300 520 7,002 SH SOLE 0 0 7,002
Invesco Nasdaq 100 Etf ETF 46138G649 536 4,889 SH SOLE 0 0 4,889
Sector Technology Select Sector Spdr Etf ETF 81369Y803 565 4,536 SH SOLE 0 0 4,536
Ishares Core S&p U S Growth Etf ETF 464287671 580 7,113 SH SOLE 0 0 7,113
Jpmorgan Chase & Co COM 46625H100 589 4,393 SH SOLE 0 0 4,393
Vanguard Growth Etf ETF 922908736 663 3,110 SH SOLE 0 0 3,110
W P Carey Inc COM 92936U109 766 9,800 SH SOLE 0 0 9,800
Ishares Russell 1000 Growth Etf ETF 464287614 800 3,734 SH SOLE 0 0 3,734
Chevron Corp COM 166764100 805 4,486 SH SOLE 0 0 4,486
Ishares Russell Mid Cap Growth Etf ETF 464287481 821 9,823 SH SOLE 0 0 9,823
Merck & Company Inc New COM 58933Y105 840 7,575 SH SOLE 0 0 7,575
Abbott Laboratories COM 002824100 969 8,828 SH SOLE 0 0 8,828
Ishares Core S&p Mid Cap Etf ETF 464287507 992 4,100 SH SOLE 0 0 4,100
Mcdonalds Corp COM 580135101 1,004 3,809 SH SOLE 0 0 3,809
Caterpillar Inc COM 149123101 1,138 4,749 SH SOLE 0 0 4,749
Ishares S&p 500 Value Etf ETF 464287408 1,176 8,109 SH SOLE 0 0 8,109
United Parcel Service Inc Cl B COM 911312106 1,287 7,402 SH SOLE 0 0 7,402
Abbvie Inc COM 00287Y109 1,481 9,162 SH SOLE 0 0 9,162
Microsoft Corp COM 594918104 1,625 6,775 SH SOLE 0 0 6,775
Berkshire Hathaway Inc Cl B New COM 084670702 1,809 5,856 SH SOLE 0 0 5,856
Spdr S&p 500 Etf ETF 78462F103 2,002 5,235 SH SOLE 0 0 5,235
Spdr S&p Mid Cap 400 Etf ETF 78467Y107 2,160 4,878 SH SOLE 0 0 4,878
Verizon Communications Inc COM 92343V104 399 10,138 SH SOLE 0 0 10,138
Vanguard Total Stock Market Etf ETF 922908769 1,971 10,309 SH SOLE 0 0 10,309
Spdr Bloomberg Invt Grade Fltg Rate Etf ETF 78468R200 314 10,325 SH SOLE 0 0 10,325
Ishares Core S&p U S Value Etf ETF 464287663 731 10,351 SH SOLE 0 0 10,351
Ishares Select Dividend Etf ETF 464287168 1,250 10,368 SH SOLE 0 0 10,368
Jp Morgan Ultra Short Income Etf ETF 46641Q837 545 10,872 SH SOLE 0 0 10,872
Ishares Msci Emerging Markets Etf ETF 464287234 414 10,925 SH SOLE 0 0 10,925
Ishares Russell 1000 Value Etf ETF 464287598 1,840 12,130 SH SOLE 0 0 12,130
Sector Financial Select Sector Spdr Etf ETF 81369Y605 434 12,693 SH SOLE 0 0 12,693
Ishares Core S&p Small Cap Etf ETF 464287804 1,247 13,175 SH SOLE 0 0 13,175
Ishares Russell 2000 Etf ETF 464287655 2,337 13,400 SH SOLE 0 0 13,400
Ishares Core Msci Emerging Markets Etf ETF 46434G103 649 13,889 SH SOLE 0 0 13,889
Ishares Ibonds Dec 2024 Term Muni Bd Etf ETF 46435U697 363 14,083 SH SOLE 0 0 14,083
Spdr Mortgage Backed Bond Etf ETF 78464A383 306 14,097 SH SOLE 0 0 14,097
Exxon Mobil Corp COM 30231G102 1,597 14,483 SH SOLE 0 0 14,483
Dimensional Emerging Markets Core Etf ETF 25434V302 329 14,971 SH SOLE 0 0 14,971
Ishares Ibonds Dec 2024 Term Corp Etf ETF 46434VBG4 382 15,633 SH SOLE 0 0 15,633
Dimensional U S Core Etf ETF 25434V104 462 17,094 SH SOLE 0 0 17,094
First Trust Low Duration Opportunities Etf ETF 33739Q200 957 20,191 SH SOLE 0 0 20,191
Dimensional U S Equity Etf ETF 25434V401 883 21,215 SH SOLE 0 0 21,215
Cannabix Technologies Inc COM 13765L101 5 22,000 SH SOLE 0 0 22,000
Ishares Global Tech Etf ETF 464287291 1,057 23,568 SH SOLE 0 0 23,568
Allstate Corp COM 020002101 3 19 SH SOLE 0 0 19
Invesco Qqq Etf ETF 46090E103 6,359 23,880 SH SOLE 0 0 23,880
Wisdomtree U S High Dividend Fund Etf ETF 97717W208 2,153 25,019 SH SOLE 0 0 25,019
Dimensional Intl Core Etf ETF 25434V203 635 25,357 SH SOLE 0 0 25,357
Spdr Series Trust S&p Biotech Etf ETF 78464A870 2,480 29,884 SH SOLE 0 0 29,884
Schwab U S Dividend Equity Etf ETF 808524797 2,266 29,999 SH SOLE 0 0 29,999
John Hancock Multifactor Mid Cap Etf ETF 47804J206 1,406 30,212 SH SOLE 0 0 30,212
Vanguard High Dividend Yield Etf ETF 921946406 3,280 30,308 SH SOLE 0 0 30,308
Ishares Msci Usa Momentum Factor Etf ETF 46432F396 4,774 32,715 SH SOLE 0 0 32,715
First Trust Iv Enhanced Short Maturity Etf New ETF 33739Q408 1,962 33,000 SH SOLE 0 0 33,000
Dimensional U S Marketwide Value Etf ETF 25434V724 1,188 35,483 SH SOLE 0 0 35,483
Ishares Ibonds Dec 2023 Term Muni Bond Etf ETF 46435G318 963 37,973 SH SOLE 0 0 37,973
Invesco S&p 500 Equal Weight Etf ETF 46137V357 5,510 39,008 SH SOLE 0 0 39,008
First Trust Tcw Unconstrained Plus Bond Etf ETF 33740F888 964 40,000 SH SOLE 0 0 40,000
Ishares 0-5 Yr Invt Grade Corp Bond Etf ETF 46434V100 2,028 42,368 SH SOLE 0 0 42,368
Ishares Ibonds Dec 2024 Term Treasury Etf ETF 46436E874 1,013 42,494 SH SOLE 0 0 42,494
Dimensional National Municipal Bond Etf ETF 25434V849 2,133 44,624 SH SOLE 0 0 44,624
Spdr Bloomberg 1-3 Month T-bill Etf New ETF 78468R663 4,155 45,422 SH SOLE 0 0 45,422
Fidelity Msci Healthcare Index Etf ETF 316092600 3,297 51,538 SH SOLE 0 0 51,538
Spdr Portfolio S&p 500 Etf ETF 78464A854 2,380 52,921 SH SOLE 0 0 52,921
Wisdomtree Floating Rate Treasury Fund New Etf ETF 97717Y527 3,347 66,586 SH SOLE 0 0 66,586
Ishares Core Msci Total Intl Stock Etf ETF 46432F834 4,234 73,149 SH SOLE 0 0 73,149
Spdr Portfolio S&p 500 High Dividend Etf ETF 78468R788 2,961 74,810 SH SOLE 0 0 74,810
First Trust Short Duration Managed Municipal Etf ETF 33739P830 1,482 75,093 SH SOLE 0 0 75,093
Geltech Solutions Inc COM 368537106 0 85,556 SH SOLE 0 0 85,556
Apple Inc COM 037833100 3,089 23,775 SH SOLE 0 0 23,775
Ishares Core S&p 500 Etf ETF 464287200 34,726 90,383 SH SOLE 0 0 90,383
First Trust Exchange Traded Fd Iii Managed Mun Etf ETF 33739N108 4,631 92,416 SH SOLE 0 0 92,416
Janus Detroit Henderson Aaa Clo Etf ETF 47103U845 4,878 99,021 SH SOLE 0 0 99,021
Ishares Ibonds Dec 2023 Term Corp Etf ETF 46434VAX8 2,595 103,691 SH SOLE 0 0 103,691
Dimensional U S Core Equity 2 Etf ETF 25434V708 2,534 104,385 SH SOLE 0 0 104,385
Pacer Lunt Large Cap Alternator Etf ETF 69374H717 4,900 121,112 SH SOLE 0 0 121,112
Ishares Ibonds Dec 2023 Term Treasury Etf ETF 46436E882 3,252 131,657 SH SOLE 0 0 131,657
Goldman Sachs Access Treasury 0-1yr Etf Pricing Basket ETF 381430529 14,003 140,438 SH SOLE 0 0 140,438
First Trust Ultra Short Duration Municipal Etf ETF 33740J104 4,209 210,994 SH SOLE 0 0 210,994
Spdr Ssga Multi Asset Real Return Etf ETF 78467V103 6,487 235,558 SH SOLE 0 0 235,558
Ishares Core S&p Total U S Stock Market Etf ETF 464287150 21,641 255,200 SH SOLE 0 0 255,200
Dimensional World Ex U S Core Equity 2 Etf ETF 25434V880 6,423 297,348 SH SOLE 0 0 297,348
Spdr Portfolio Aggregate Bond Etf ETF 78464A649 8,061 320,755 SH SOLE 0 0 320,755
First Trust Tcw Opportunistic Fixed Income Etf ETF 33740F805 15,030 342,222 SH SOLE 0 0 342,222
First Trust Exchange Traded Fund Vi Rising Div Achievers Etf ETF 33738R506 17,423 396,705 SH SOLE 0 0 396,705
First Trust Lunt U S Factor Rotation Etf ETF 33733E872 13,647 489,136 SH SOLE 0 0 489,136