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
APPLE INC COM 037833100 34,042 100 SH SOLE 0 0 100
CAPITAL ONE FINL CORP COM 14040H105 8,375 42 SH SOLE 0 0 42
CATERPILLAR INC COM 149123101 21,497 27 SH SOLE 0 0 27
CONOCOPHILLIPS COM 20825C104 26,838 200 SH SOLE 0 0 200
CORTEVA INC COM 22052L104 3,919 285 SH SOLE 0 0 285
DOW HLDGS INC COM 260557103 15,782 552 SH SOLE 0 0 552
DUPONT DE NEMOURS INC COMMON STOCK 26614N201 25,304 191 SH SOLE 0 0 191
EXXONMOBIL HOLDINGS CORP COM SHS 30233Q108 4,213 25 SH SOLE 0 0 25
INVESCO EXCH TRADED FD TR II SR LN ETF 46138G508 25,968,391 1,267,369 SH SOLE 0 0 1,267,369
ISHARES TR CORE S&P SCP ETF 464287804 19,779,369 144,049 SH SOLE 0 0 144,049
ISHARES TR CORE S&P US GWT 464287671 14,728,494 75,042 SH SOLE 0 0 75,042
ISHARES TR CORE S&P US VLU 464287663 21,497,088 191,562 SH SOLE 0 0 191,562
ISHARES TR CORE S&P500 ETF 464287200 18,625,722 23,963 SH SOLE 0 0 23,963
ISHARES TR MSCI INTL VLU FT 46435G409 9,733,233 230,700 SH SOLE 0 0 230,700
ISHARES TR MSCI USA MIN ETF 46429B697 14,202,440 141,996 SH SOLE 0 0 141,996
ISHARES TR S&P 500 VAL ETF 464287408 15,275,123 65,790 SH SOLE 0 0 65,790
J P MORGAN EXCHANGE TRADED F ULTRA SHRT ETF 46641Q837 24,793,466 493,206 SH SOLE 0 0 493,206
JOHNSON & JOHNSON COM 478160104 7,695 30 SH SOLE 0 0 30
PEPSICO INC COM 713448108 4,107 32 SH SOLE 0 0 32
PGIM ETF TR PGIM ULTRA SH BD 69344A107 21,748,914 439,372 SH SOLE 0 0 439,372
PROCTER & GAMBLE CO COM 742718109 4,518 30 SH SOLE 0 0 30
QNITY ELECTRONICS INC COMMON STOCK 74743L100 1,267 10 SH SOLE 0 0 10
SELECT SECTOR SPDR TR ST STR ENERG ETF 81369Y506 5,517,934 84,579 SH SOLE 0 0 84,579
SELECT SECTOR SPDR TR ST STR FINL ETF 81369Y605 4,648,705 85,722 SH SOLE 0 0 85,722
SELECT SECTOR SPDR TR ST STR INDL ETF 81369Y704 5,215,180 30,969 SH SOLE 0 0 30,969
SELECT SECTOR SPDR TR ST STR TECHN ETF 81369Y803 12,054,494 60,949 SH SOLE 0 0 60,949
SPDR SERIES TRUST ST TERM HIGH ETF 78468R408 8,623,773 356,649 SH SOLE 0 0 356,649
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 14,447,118 91,293 SH SOLE 0 0 91,293
VERIZON COMMUNICATIONS INC COM 92343V104 43,384 936 SH SOLE 0 0 936