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        <ListedAtCostOrFMVCd>AT COST</ListedAtCostOrFMVCd>
        <BookValueAmt>13554</BookValueAmt>
        <EOYFMVAmt>14736</EOYFMVAmt>
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        <ListedAtCostOrFMVCd>AT COST</ListedAtCostOrFMVCd>
        <BookValueAmt>32009</BookValueAmt>
        <EOYFMVAmt>31446</EOYFMVAmt>
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      <InvestmentsOtherGrp>
        <CategoryOrItemTxt>09252M833 MAHQX BLACKROCK TOTAL RETU</CategoryOrItemTxt>
        <ListedAtCostOrFMVCd>AT COST</ListedAtCostOrFMVCd>
        <BookValueAmt>15813</BookValueAmt>
        <EOYFMVAmt>15529</EOYFMVAmt>
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      <InvestmentsOtherGrp>
        <CategoryOrItemTxt>46137V431 INVESCO EXCHANGE</CategoryOrItemTxt>
        <ListedAtCostOrFMVCd>AT COST</ListedAtCostOrFMVCd>
      </InvestmentsOtherGrp>
      <InvestmentsOtherGrp>
        <CategoryOrItemTxt>46432F339 ISHARES TR MSCI USA</CategoryOrItemTxt>
        <ListedAtCostOrFMVCd>AT COST</ListedAtCostOrFMVCd>
        <BookValueAmt>31488</BookValueAmt>
        <EOYFMVAmt>38287</EOYFMVAmt>
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      <InvestmentsOtherGrp>
        <CategoryOrItemTxt>808524680 SCHWAB STRATEGIC</CategoryOrItemTxt>
        <ListedAtCostOrFMVCd>AT COST</ListedAtCostOrFMVCd>
        <BookValueAmt>4338</BookValueAmt>
        <EOYFMVAmt>3992</EOYFMVAmt>
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      <InvestmentsOtherGrp>
        <CategoryOrItemTxt>092528603 BINC BLACKROCK ETF TR II F</CategoryOrItemTxt>
        <ListedAtCostOrFMVCd>AT COST</ListedAtCostOrFMVCd>
        <BookValueAmt>5975</BookValueAmt>
        <EOYFMVAmt>5930</EOYFMVAmt>
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      <InvestmentsOtherGrp>
        <CategoryOrItemTxt>46137V357 INVESCO S&amp;P EQUA</CategoryOrItemTxt>
        <ListedAtCostOrFMVCd>AT COST</ListedAtCostOrFMVCd>
      </InvestmentsOtherGrp>
      <InvestmentsOtherGrp>
        <CategoryOrItemTxt>81369Y506 SELECT SPDR TR ENERGY</CategoryOrItemTxt>
        <ListedAtCostOrFMVCd>AT COST</ListedAtCostOrFMVCd>
        <BookValueAmt>5419</BookValueAmt>
        <EOYFMVAmt>5654</EOYFMVAmt>
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      <InvestmentsOtherGrp>
        <CategoryOrItemTxt>46434V738 ISHARES TR ISHARES CORE</CategoryOrItemTxt>
        <ListedAtCostOrFMVCd>AT COST</ListedAtCostOrFMVCd>
        <BookValueAmt>6394</BookValueAmt>
        <EOYFMVAmt>5776</EOYFMVAmt>
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      <InvestmentsOtherGrp>
        <CategoryOrItemTxt>46434G822 ISHARES INC MSCI JAPAN</CategoryOrItemTxt>
        <ListedAtCostOrFMVCd>AT COST</ListedAtCostOrFMVCd>
        <BookValueAmt>3855</BookValueAmt>
        <EOYFMVAmt>3691</EOYFMVAmt>
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      <InvestmentsOtherGrp>
        <CategoryOrItemTxt>464288281 ISHARES TR JPMORGAN</CategoryOrItemTxt>
        <ListedAtCostOrFMVCd>AT COST</ListedAtCostOrFMVCd>
      </InvestmentsOtherGrp>
      <InvestmentsOtherGrp>
        <CategoryOrItemTxt>81369Y209 SELECT SECTOR SPDR</CategoryOrItemTxt>
        <ListedAtCostOrFMVCd>AT COST</ListedAtCostOrFMVCd>
        <BookValueAmt>4113</BookValueAmt>
        <EOYFMVAmt>4127</EOYFMVAmt>
      </InvestmentsOtherGrp>
      <InvestmentsOtherGrp>
        <CategoryOrItemTxt>81369Y704 SELECT SPDR TR INDL</CategoryOrItemTxt>
        <ListedAtCostOrFMVCd>AT COST</ListedAtCostOrFMVCd>
      </InvestmentsOtherGrp>
      <InvestmentsOtherGrp>
        <CategoryOrItemTxt>81369Y407 SELECT SPDR TR</CategoryOrItemTxt>
        <ListedAtCostOrFMVCd>AT COST</ListedAtCostOrFMVCd>
        <BookValueAmt>7428</BookValueAmt>
        <EOYFMVAmt>9423</EOYFMVAmt>
      </InvestmentsOtherGrp>
      <InvestmentsOtherGrp>
        <CategoryOrItemTxt>78464A631 SPDR SER TR</CategoryOrItemTxt>
        <ListedAtCostOrFMVCd>AT COST</ListedAtCostOrFMVCd>
      </InvestmentsOtherGrp>
      <InvestmentsOtherGrp>
        <CategoryOrItemTxt>464287242 LQD ISHARES TR IBOXX</CategoryOrItemTxt>
        <ListedAtCostOrFMVCd>AT COST</ListedAtCostOrFMVCd>
        <BookValueAmt>25293</BookValueAmt>
        <EOYFMVAmt>25535</EOYFMVAmt>
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      <InvestmentsOtherGrp>
        <CategoryOrItemTxt>46432F396 MTUM ISHARES TR MSCI USA</CategoryOrItemTxt>
        <ListedAtCostOrFMVCd>AT COST</ListedAtCostOrFMVCd>
        <BookValueAmt>3797</BookValueAmt>
        <EOYFMVAmt>3725</EOYFMVAmt>
      </InvestmentsOtherGrp>
      <InvestmentsOtherGrp>
        <CategoryOrItemTxt>46434G855 RING ISHARES INC MSCI GLOB</CategoryOrItemTxt>
        <ListedAtCostOrFMVCd>AT COST</ListedAtCostOrFMVCd>
        <BookValueAmt>3867</BookValueAmt>
        <EOYFMVAmt>3767</EOYFMVAmt>
      </InvestmentsOtherGrp>
      <InvestmentsOtherGrp>
        <CategoryOrItemTxt>46434V621 DGRO ISHARES TR CORE DIVID</CategoryOrItemTxt>
        <ListedAtCostOrFMVCd>AT COST</ListedAtCostOrFMVCd>
        <BookValueAmt>3977</BookValueAmt>
        <EOYFMVAmt>3926</EOYFMVAmt>
      </InvestmentsOtherGrp>
      <InvestmentsOtherGrp>
        <CategoryOrItemTxt>81369Y605 XLF SELECT SECTOR SPDR</CategoryOrItemTxt>
        <ListedAtCostOrFMVCd>AT COST</ListedAtCostOrFMVCd>
        <BookValueAmt>18352</BookValueAmt>
        <EOYFMVAmt>19429</EOYFMVAmt>
      </InvestmentsOtherGrp>
      <InvestmentsOtherGrp>
        <CategoryOrItemTxt>81369Y803 XLK SELECT SECTOR SPDR TR</CategoryOrItemTxt>
        <ListedAtCostOrFMVCd>AT COST</ListedAtCostOrFMVCd>
        <BookValueAmt>5805</BookValueAmt>
        <EOYFMVAmt>5813</EOYFMVAmt>
      </InvestmentsOtherGrp>
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      <OtherDecreasesDetail>
        <Desc>STOCK ADJUSTMENTS</Desc>
        <Amt>114</Amt>
      </OtherDecreasesDetail>
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    <OtherProfessionalFeesSchedule documentId="RetDoc6">
      <OtherProfessionalFeesDetail>
        <CategoryTxt>MANAGEMENT FEES (PERSHING)</CategoryTxt>
        <Amt>2932</Amt>
        <NetInvestmentIncomeAmt>2932</NetInvestmentIncomeAmt>
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  </ReturnData>
</Return>