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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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   32,173,029 570,444 SH   SOLE   570,444 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   15,454,515 205,185 SH   SOLE   205,185 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   14,787,064 313,020 SH   SOLE   313,020 0 0
ISHARES TR CMBS ETF 46429B366   353,498 7,555 SH   SOLE   7,555 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   2,183,375 59,074 SH   SOLE   59,074 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   409,230 8,778 SH   SOLE   8,778 0 0
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   1,016,423 20,590 SH   SOLE   20,590 0 0
GREIF INC CL A 397624107   639,503 9,750 SH   SOLE   9,750 0 0
NORTHERN LTS FD TR IV INSPIRE 100 ETF 66538H534   1,300,996 37,278 SH   SOLE   37,278 0 0
AMERICAN CENTY ETF TR US QUALITY GROW 025072307   8,995,842 118,242 SH   SOLE   118,242 0 0
FIRST TR EXCH TRADED FD III MANAGD MUN ETF 33739N108   2,178,962 42,175 SH   SOLE   42,175 0 0
FRANKLIN TEMPLETON ETF TR US MID CP MLTFCT 35473P884   10,746,597 223,283 SH   SOLE   223,283 0 0
PACER FDS TR PACER US SMALL 69374H857   14,587,172 303,710 SH   SOLE   303,710 0 0
SPDR SER TR NUVEEN BLMBRG SH 78468R739   5,408,922 113,181 SH   SOLE   113,181 0 0
VANGUARD SCOTTSDALE FDS TOTAL WLD BD ETF 92206C565   8,780,289 126,864 SH   SOLE   126,864 0 0
ISHARES TR RUS MD CP GR ETF 464287481   293,347 2,808 SH   SOLE   2,808 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   1,240,141 2,609 SH   SOLE   2,609 0 0
FIRST TR EXCHANGE-TRADED FD FST LOW OPPT EFT 33739Q200   1,280,986 26,510 SH   SOLE   26,510 0 0
ISHARES TR CORE S&P500 ETF 464287200   1,804,836 3,779 SH   SOLE   3,779 0 0
ISHARES TR RUSSELL 3000 ETF 464287689   701,824 2,564 SH   SOLE   2,564 0 0
ISHARES TR S&P 500 GRWT ETF 464287309   822,035 10,946 SH   SOLE   10,946 0 0
FIRST TR EXCHANGE-TRADED ALP SML CP GRW ALP 33737M300   3,206,305 50,958 SH   SOLE   50,958 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629   2,795,468 12,016 SH   SOLE   12,016 0 0
COLUMBIA ETF TR I MULTI SEC MUNI 19761L607   8,622,392 413,148 SH   SOLE   413,148 0 0
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354   1,160,164 18,515 SH   SOLE   18,515 0 0
FIRST TR EXCHANGE-TRADED FD CAP STRENGTH ETF 33733E104   3,845,114 48,040 SH   SOLE   48,040 0 0
INVESTMENT MANAGERS SER TR I AXS CHANGE FINAN 46144X107   515,689 15,524 SH   SOLE   15,524 0 0
NUSHARES ETF TR NUVEEN ESG INTL 67092P805   504,924 17,163 SH   SOLE   17,163 0 0
PACER FDS TR US CASH COWS 100 69374H881   13,867,511 266,734 SH   SOLE   266,734 0 0
VANECK ETF TRUST GREEN BOND ETF 92189F171   305,441 12,817 SH   SOLE   12,817 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751   1,283,288 6,016 SH   SOLE   6,016 0 0
ISHARES TR S&P MC 400VL ETF 464287705   309,241 2,712 SH   SOLE   2,712 0 0
NUSHARES ETF TR NUVEEN ESG SMLCP 67092P607   205,646 5,259 SH   SOLE   5,259 0 0
TIMOTHY PLAN HIG DV STK ETF 887432326   697,236 21,054 SH   SOLE   21,054 0 0
SPDR SER TR PORTFOLIO S&P600 78468R853   689,624 16,350 SH   SOLE   16,350 0 0
FIRST TR EXCH TRADED FD III HORIZON MNGD ETF 33739P871   335,683 11,644 SH   SOLE   11,644 0 0
FIRST TR EXCH TRADED FD III RIVRFRNT DYN DEV 33739P608   1,602,973 26,197 SH   SOLE   26,197 0 0
SPDR GOLD TR GOLD SHS 78463V107   226,728 1,186 SH   SOLE   1,186 0 0
FIRST TR EXCHNG TRADED FD VI TCW OPPORTUNIS 33740F805   951,361 21,329 SH   SOLE   21,329 0 0
INVESCO EXCH TRADED FD TR II S&P MIDCP LOW 46138E198   1,081,723 20,341 SH   SOLE   20,341 0 0
ISHARES TR CORE S&P MCP ETF 464287507   1,628,690 5,877 SH   SOLE   5,877 0 0
ISHARES TR CORE S&P SCP ETF 464287804   864,681 7,988 SH   SOLE   7,988 0 0
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   256,508 7,542 SH   SOLE   7,542 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   356,685 4,299 SH   SOLE   4,299 0 0
ISHARES TR CORE US AGGBD ET 464287226   283,314 2,855 SH   SOLE   2,855 0 0
APPLE INC COM 037833100   476,852 2,477 SH   SOLE   2,477 0 0
BWX TECHNOLOGIES INC COM 05605H100   201,186 2,622 SH   SOLE   2,622 0 0
EXXON MOBIL CORP COM 30231G102   417,036 4,171 SH   SOLE   4,171 0 0
CSX CORP COM 126408103   225,979 6,518 SH   SOLE   6,518 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736   272,020 875 SH   SOLE   875 0 0
PROCTER AND GAMBLE CO COM 742718109   268,599 1,833 SH   SOLE   1,833 0 0
UNITED PARCEL SERVICE INC CL B 911312106   1,523,244 9,688 SH   SOLE   9,688 0 0