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
AB ACTIVE ETFS INC TAX AWARE SHRT 00039J202 5,319,358 216,410 SH SOLE 0 0 216,410
ALPHABET INC CAP STK CL C 02079K107 376,180 1,104 SH SOLE 0 0 1,104
APPLE INC COM 037833100 887,618 2,665 SH SOLE 0 0 2,665
ARCOSA INC COM 039653100 225,948 1,546 SH SOLE 0 0 1,546
CINTAS CORP COM 172908105 1,023,675 5,248 SH SOLE 0 0 5,248
CITIGROUP INC COM NEW 172967424 1,389,736 10,733 SH SOLE 0 0 10,733
DOLLAR GEN CORP COM 256677105 1,436,275 12,011 SH SOLE 0 0 12,011
ECOLAB INC COM 278865100 2,190,325 7,977 SH SOLE 0 0 7,977
EXXONMOBIL HOLDINGS CORP COM SHS 30233Q108 745,895 4,583 SH SOLE 0 0 4,583
INNOVIVA INC COM 45781M101 1,318,923 62,184 SH SOLE 0 0 62,184
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 10,155,120 48,818 SH SOLE 0 0 48,818
INVESCO QQQ TR UNIT SER 1 46090E103 6,697,138 9,053 SH SOLE 0 0 9,053
ISHARES TR 3 7 YR TREAS BD 464288661 324,779 2,863 SH SOLE 0 0 2,863
ISHARES TR AGENCY BOND ETF 464288166 4,386,785 41,175 SH SOLE 0 0 41,175
ISHARES TR CORE S&P MCP ETF 464287507 4,158,494 57,797 SH SOLE 0 0 57,797
ISHARES TR CORE S&P SCP ETF 464287804 4,168,946 30,645 SH SOLE 0 0 30,645
ISHARES TR MSCI ACWI EX US 464288240 3,602,688 47,642 SH SOLE 0 0 47,642
ISHARES TR MSCI EAFE ETF 464287465 34,447,431 331,576 SH SOLE 0 0 331,576
ISHARES TR MSCI USA MIN ETF 46429B697 297,289 3,051 SH SOLE 0 0 3,051
ISHARES TR MSCI USA QLT FCT 46432F339 4,392,351 19,764 SH SOLE 0 0 19,764
ISHARES TR RUSSELL 2000 ETF 464287655 12,859,082 46,274 SH SOLE 0 0 46,274
ISHARES TR RUSSELL 3000 ETF 464287689 552,093 1,279 SH SOLE 0 0 1,279
J P MORGAN EXCHANGE TRADED F ULTRA SHRT ETF 46641Q837 61,340,737 1,217,803 SH SOLE 0 0 1,217,803
KRAFT HEINZ CO COM 500754106 1,473,483 64,854 SH SOLE 0 0 64,854
MASTERCARD INCORPORATED CL A 57636Q104 209,559 380 SH SOLE 0 0 380
MCCORMICK & CO INC COM NON VTG 579780206 1,476,541 31,822 SH SOLE 0 0 31,822
MCDONALDS CORP COM 580135101 1,525,128 6,604 SH SOLE 0 0 6,604
MICROSOFT CORP COM 594918104 349,798 682 SH SOLE 0 0 682
NYLIM ACTIVE ETF TR MACK MU INSD ETF 45409F843 6,195,069 278,305 SH SOLE 0 0 278,305
OCCIDENTAL PETE CORP COM 674599105 1,903,340 34,406 SH SOLE 0 0 34,406
PROCTER & GAMBLE CO COM 742718109 1,609,702 11,080 SH SOLE 0 0 11,080
PROSHARES TR II VIX SHT TERM FUT 74347Y730 3,754,006 221,606 SH SOLE 0 0 221,606
SELECT SECTOR SPDR TR ST STR ENERG ETF 81369Y506 7,573,295 123,143 SH SOLE 0 0 123,143
SELECT SECTOR SPDR TR ST STR FINL ETF 81369Y605 3,644,443 68,248 SH SOLE 0 0 68,248
SELECT SECTOR SPDR TR ST STR STAPL ETF 81369Y308 1,488,843 18,472 SH SOLE 0 0 18,472
SPDR SERIES TRUST ST STR P500VAL 78464A508 40,654,568 665,051 SH SOLE 0 0 665,051
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 16,500,263 21,636 SH SOLE 0 0 21,636
VANECK ETF TRUST PHARMACEUTCL ETF 92189F692 2,944,852 26,901 SH SOLE 0 0 26,901
VANGUARD INDEX FDS MRNGSTR SML CP V 922908611 5,910,209 25,582 SH SOLE 0 0 25,582
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 324,498 463 SH SOLE 0 0 463
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 14,498,033 244,445 SH SOLE 0 0 244,445
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 7,243,894 83,455 SH SOLE 0 0 83,455
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 222,246 1,432 SH SOLE 0 0 1,432
VANGUARD WORLD FD EXTENDED DUR 921910709 4,109,344 74,109 SH SOLE 0 0 74,109
WALMART INC COM 931142103 4,419,307 42,526 SH SOLE 0 0 42,526
WELLS FARGO & CO COM 949746101 1,845,793 23,058 SH SOLE 0 0 23,058