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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ALPHABET INC CAP STK CL C 02079K107   340,392 3,273 SH   SOLE 0 0 0 3,273
AMAZON COM INC COM 023135106   514,797 4,984 SH   SOLE 0 0 0 4,984
APPLE INC COM 037833100   2,362,840 14,329 SH   SOLE 0 0 0 14,329
BALL CORP COM 058498106   250,484 4,545 SH   SOLE 0 0 0 4,545
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   1,154,182 3,738 SH   SOLE 0 0 0 3,738
CUMMINS INC COM 231021106   323,451 1,354 SH   SOLE 0 0 0 1,354
DBX ETF TR XTRACK MUN INFRA 233051705   298,035 11,912 SH   SOLE 0 0 0 11,912
INVESCO QQQ TR UNIT SER 1 46090E103   8,020,395 24,991 SH   SOLE 0 0 0 24,991
ISHARES INC MSCI GBL MIN VOL 464286525   7,581,098 78,358 SH   SOLE 0 0 0 78,358
ISHARES TR MSCI USA MMENTM 46432F396   7,277,337 52,340 SH   SOLE 0 0 0 52,340
ISHARES TR 0-5YR HI YL CP 46434V407   14,630,294 351,015 SH   SOLE 0 0 0 351,015
ISHARES TR MSCI LW CRB TG 46434V464   232,913 1,574 SH   SOLE 0 0 0 1,574
ISHARES TR MSCI USA MIN VOL 46429B697   8,022,395 110,289 SH   SOLE 0 0 0 110,289
ISHARES TR MSCI GBL SUS DEV 46435G532   298,623 3,771 SH   SOLE 0 0 0 3,771
ISHARES TR ESG AWR MSCI USA 46435G425   955,091 10,559 SH   SOLE 0 0 0 10,559
ISHARES TR ESG AWR US AGRGT 46435U549   764,245 15,902 SH   SOLE 0 0 0 15,902
ISHARES TR USD GRN BOND ETF 46435U440   252,882 5,370 SH   SOLE 0 0 0 5,370
ISHARES TR RUS 1000 ETF 464287622   372,707 1,655 SH   SOLE 0 0 0 1,655
ISHARES TR RUS 1000 GRW ETF 464287614   503,966 2,063 SH   SOLE 0 0 0 2,063
ISHARES TR RUSSELL 2000 ETF 464287655   280,342 1,571 SH   SOLE 0 0 0 1,571
ISHARES TR RUSSELL 3000 ETF 464287689   1,195,190 5,077 SH   SOLE 0 0 0 5,077
ISHARES TR RUS MD CP GR ETF 464287481   259,160 2,846 SH   SOLE 0 0 0 2,846
ISHARES TR RUS MDCP VAL ETF 464287473   234,314 2,206 SH   SOLE 0 0 0 2,206
ISHARES TR PFD AND INCM SEC 464288687   289,779 9,282 SH   SOLE 0 0 0 9,282
ISHARES TR SHRT NAT MUN ETF 464288158   298,809 2,855 SH   SOLE 0 0 0 2,855
JOHNSON & JOHNSON COM 478160104   264,392 1,706 SH   SOLE 0 0 0 1,706
JPMORGAN CHASE & CO COM 46625H100   506,112 3,884 SH   SOLE 0 0 0 3,884
LILLY ELI & CO COM 532457108   213,752 622 SH   SOLE 0 0 0 622
MICROSOFT CORP COM 594918104   535,183 1,856 SH   SOLE 0 0 0 1,856
NVIDIA CORPORATION COM 67066G104   340,278 1,225 SH   SOLE 0 0 0 1,225
ORACLE CORP COM 68389X105   298,700 3,215 SH   SOLE 0 0 0 3,215
PACER FDS TR US CASH COWS 100 69374H881   7,328,398 156,089 SH   SOLE 0 0 0 156,089
PROCTER AND GAMBLE CO COM 742718109   621,531 4,180 SH   SOLE 0 0 0 4,180
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   14,379,865 306,542 SH   SOLE 0 0 0 306,542
SPDR S&P 500 ETF TR TR UNIT 78462F103   233,683 571 SH   SOLE 0 0 0 571
SPDR SER TR NUVEEN BLOOMBERG 78464A284   293,146 11,707 SH   SOLE 0 0 0 11,707
SPDR SER TR BLOOMBERG HIGH Y 78468R622   314,770 3,391 SH   SOLE 0 0 0 3,391
SPDR SER TR SPDR MSCI USA GE 78468R747   230,166 2,776 SH   SOLE 0 0 0 2,776
THERMO FISHER SCIENTIFIC INC COM 883556102   232,001 403 SH   SOLE 0 0 0 403
UNITED MICROELECTRONICS CORP SPON ADR NEW 910873405   99,505 11,359 SH   SOLE 0 0 0 11,359
UNITEDHEALTH GROUP INC COM 91324P102   246,976 523 SH   SOLE 0 0 0 523
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   579,774 7,853 SH   SOLE 0 0 0 7,853
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   280,505 3,378 SH   SOLE 0 0 0 3,378
VANGUARD INDEX FDS GROWTH ETF 922908736   888,642 3,563 SH   SOLE 0 0 0 3,563
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   7,528,794 20,020 SH   SOLE 0 0 0 20,020
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   1,089,494 21,506 SH   SOLE 0 0 0 21,506
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   8,035,545 52,175 SH   SOLE 0 0 0 52,175
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   363,554 3,446 SH   SOLE 0 0 0 3,446
VANGUARD WORLD FD ESG INTL STK ETF 921910725   304,596 5,817 SH   SOLE 0 0 0 5,817
VISA INC COM CL A 92826C839   307,074 1,362 SH   SOLE 0 0 0 1,362
WATERS CORP COM 941848103   268,449 867 SH   SOLE 0 0 0 867