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
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
ISHARES CDN UNIVERSE BOND INDEX ETF ETP 46430T109 6,165 252,498 SH   SOLE   252,498 0 0
ISHARES CANADIAN CORP BOND INDEX ETF ETP 46430K108 26,448 1,589,578 SH   SOLE   1,589,578 0 0
BMO SHORT CORP BOND INDEX TRUST ETF ETP 055976104 22,333 2,046,993 SH   SOLE   2,046,993 0 0
ISHARES MSCI EAFE ETF ETP 46435G516 5 75 SH   SOLE   75 0 0
MSCI CORE MSCI EAFE ETF ETP 46432F842 16,177 247,965 SH   SOLE   247,965 0 0
ISHARES ESG MSCI EM ETF ETP 46434G863 2 48 SH   SOLE   48 0 0
ISHARES CORE MSCI EMERGING MKT ETF ETP 46434G103 3,918 72,872 SH   SOLE   72,872 0 0
ISHARES TR CORE TOTAL US BOND MKT ETF ETP 464287226 20,916 186,132 SH   SOLE   186,132 0 0
ISHARES US AGGREGATE BOND ETF ETP 46435U549 10 178 SH   SOLE   178 0 0
ISHARES IBOXX DLR HY CORPBD ETF ETP 464288513 3,614 41,093 SH   SOLE   41,093 0 0
ISHARES BARCLAYS SHORT TREASURY ETP 464288679 5,388 48,777 SH   SOLE   48,777 0 0
ISHARES 1-3 YEAR TREASURY BOND ETF ETP 464287457 3,944 46,598 SH   SOLE   46,598 0 0
ISHARES USD CORP BOND ETF ETP 46435G193 3 99 SH   SOLE   99 0 0
ISHARES ESG MSCI USA ETF ETP 46435G425 7 104 SH   SOLE   104 0 0
ISHARES ESG MSCI US SMALL CAP ETF ETP 46435U663 2 62 SH   SOLE   62 0 0
ISHARES TRUST CORE S&P SMALL-CAP ETF ETP 464287804 7,860 93,740 SH   SOLE   93,740 0 0
ISHARES CORE S&P 500 ETF ETP 464287200 24,213 74,908 SH   SOLE   74,908 0 0
INVESCO-SHS- ETF USD/DIS ETP 46090E103 651 3,060 SH   SOLE   3,060 0 0
ISHARES GOLD TRUST ETF ETP 464285105 4,494 309,935 SH   SOLE   309,935 0 0