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
3M CO COM 88579Y101 664,459 4,104 SH SOLE 0 0 0 4,104
AMERICAN CENTY ETF TR US QUALITY GROW 025072307 1,134,456 9,610 SH SOLE 0 0 0 9,610
AMERICAN CENTY ETF TR US SML CP VALU 025072877 7,811,861 62,615 SH SOLE 0 0 0 62,615
AMERICAN CENTY ETF TR US LARGE CAP VLU 025072349 459,087 5,033 SH SOLE 0 0 0 5,033
AMERICAN CENTY ETF TR INTERNATIONAL LR 025072364 266,632 3,444 SH SOLE 0 0 0 3,444
APPLE INC COM 037833100 1,273,508 4,401 SH SOLE 0 0 0 4,401
AT&T INC COM 00206R102 343,806 16,609 SH SOLE 0 0 0 16,609
CAPITAL GROUP DIVIDEND VALUE SHS CREAT UNIT 14020W106 1,112,761 22,580 SH SOLE 0 0 0 22,580
CAPITAL GRP FIXED INCM ETF T SHORT DURATION 14020Y409 2,092,877 81,340 SH SOLE 0 0 0 81,340
CAPITAL GRP FIXED INCM ETF T US MULTI-SECTOR 14020Y300 468,946 17,159 SH SOLE 0 0 0 17,159
CAPITAL GRP FIXED INCM ETF T CORE BOND ETF 14020Y508 534,045 20,399 SH SOLE 0 0 0 20,399
CARLYLE CREDIT INCOME FUND SHS BEN INT 92535C104 38,037 13,633 SH SOLE 0 0 0 13,633
COHEN & STEERS TOTAL RETURN COM 19247R103 233,087 20,591 SH SOLE 0 0 0 20,591
DEERE & CO COM 244199105 368,353 581 SH SOLE 0 0 0 581
EAGLE POINT CR CO COM 269808101 50,871 13,675 SH SOLE 0 0 0 13,675
FIDELITY COVINGTON TRUST ENHA HIGH YI ETF 316092618 298,638 6,091 SH SOLE 0 0 0 6,091
FS CREDIT OPPORTUNITIES CORP COMMON STOCK 30290Y101 70,572 14,143 SH SOLE 0 0 0 14,143
INTERNATIONAL BUSINESS MACHS COM 459200101 596,446 2,121 SH SOLE 0 0 0 2,121
ISHARES TR CORE US AGGBD ET 464287226 13,570,617 137,105 SH SOLE 0 0 0 137,105
ISHARES TR ISHS 5-10YR INVT 464288638 9,592,034 180,403 SH SOLE 0 0 0 180,403
ISHARES TR 0-5YR HI YL CP 46434V407 11,241,858 265,076 SH SOLE 0 0 0 265,076
ISHARES TR CORE DIV GRWTH 46434V621 1,302,388 17,184 SH SOLE 0 0 0 17,184
ISHARES TR MSCI INTL QUALTY 46434V456 445,340 8,988 SH SOLE 0 0 0 8,988
ISHARES TR 0-3 MTH TREASURY 46436E718 1,701,955 16,906 SH SOLE 0 0 0 16,906
ISHARES TR 1 3 YR TREAS BD 464287457 1,478,060 18,001 SH SOLE 0 0 0 18,001
JANUS DETROIT STR TR HENDRSON AAA CL 47103U845 1,435,364 28,429 SH SOLE 0 0 0 28,429
JPMORGAN CHASE & CO COM 46625H100 466,994 1,427 SH SOLE 0 0 0 1,427
LEGG MASON ETF INVT FRANKLIN INTL LW 52468L505 2,342,441 57,717 SH SOLE 0 0 0 57,717
NVIDIA CORPORATION COM 67066G104 216,594 1,082 SH SOLE 0 0 0 1,082
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 16,464,127 594,373 SH SOLE 0 0 0 594,373
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 3,246,020 102,366 SH SOLE 0 0 0 102,366
SPDR SERIES TRUST ST INTER BD ETF 78464A375 5,152,158 153,980 SH SOLE 0 0 0 153,980
SPDR SERIES TRUST ST STR BLO 1 ETF 78468R663 3,766,733 41,104 SH SOLE 0 0 0 41,104
SPDR SERIES TRUST ST STR P500VAL 78464A508 19,773,792 325,280 SH SOLE 0 0 0 325,280
STATE STR SPDR DOW JONES IND UT SER 1 78467X109 533,954 1,022 SH SOLE 0 0 0 1,022
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 3,702,464 4,958 SH SOLE 0 0 0 4,958
T-MOBILE US INC COM 872590104 382,954 2,283 SH SOLE 0 0 0 2,283
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 17,725,875 25,809 SH SOLE 0 0 0 25,809
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 629,968 10,554 SH SOLE 0 0 0 10,554
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 242,887 4,173 SH SOLE 0 0 0 4,173
VANGUARD WORLD FD EXTENDED DUR 921910709 245,134 3,767 SH SOLE 0 0 0 3,767
VERIZON COMMUNICATIONS INC COM 92343V104 390,045 9,212 SH SOLE 0 0 0 9,212