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
DBX ETF TR XTRCKR MSCI US 233051150 1,289 30,919 SH   SOLE   30,919 0 0
DBX ETF TR XTRACKERS LOW 233051267 3,007 62,363 SH   SOLE   62,363 0 0
DBX ETF TR XTRACK MSCI EAFE 233051630 230 9,511 SH   SOLE   9,511 0 0
INVESCO EXCH TRADED FD TR II EMRNG MKT SVRG 46138E784 649 28,705 SH   SOLE   28,705 0 0
ISHARES INC JP MRG EM CRP BD 464286251 3,025 65,202 SH   SOLE   65,202 0 0
ISHARES INC JP MRGN EM HI BD 464286285 2,287 57,475 SH   SOLE   57,475 0 0
ISHARES INC MSCI EM ASIA ETF 464286426 28,414 384,750 SH   SOLE   360,917 0 23,833
ISHARES INC MSCI CDA ETF 464286509 7,197 178,990 SH   SOLE   167,736 0 11,254
ISHARES INC ESG AWR MSCI EM 46434G863 272 7,416 SH   SOLE   7,416 0 0
ISHARES TR CORE S&P500 ETF 464287200 29,676 65,411 SH   SOLE   62,078 0 3,333
ISHARES TR 20 YR TR BD ETF 464287432 2,122 16,069 SH   SOLE   16,069 0 0
ISHARES TR BARCLAYS 7 10 YR 464287440 807 7,512 SH   SOLE   7,512 0 0
ISHARES TR RUS 2000 GRW ETF 464287648 1,235 4,830 SH   SOLE   4,830 0 0
ISHARES TR CORE S&P SCP ETF 464287804 11,650 107,991 SH   SOLE   101,115 0 6,876
ISHARES TR MBS ETF 464288588 4,444 43,623 SH   SOLE   43,623 0 0
ISHARES TR ISHS 5-10YR INVT 464288638 2,258 41,154 SH   SOLE   41,154 0 0
ISHARES TR ISHS 1-5YR INVS 464288646 19,719 381,271 SH   SOLE   381,271 0 0
ISHARES TR FLTG RATE NT ETF 46429B655 2,314 45,801 SH   SOLE   45,801 0 0
ISHARES TR MSCI USA QLT FCT 46432F339 14,690 109,117 SH   SOLE   102,318 0 6,799
ISHARES TR MSCI USA VALUE 46432F388 841 8,045 SH   SOLE   8,045 0 0
ISHARES TR CORE MSCI EAFE 46432F842 40,275 579,410 SH   SOLE   543,212 0 36,198
ISHARES TR 0-5YR HI YL CP 46434V407 12,986 295,413 SH   SOLE   295,413 0 0
ISHARES TR ESG AW MSCI EAFE 46435G516 1,141 15,481 SH   SOLE   15,481 0 0
ISHARES U S ETF TR BLACKROCK ST MAT 46431W507 4,058 81,871 SH   SOLE   81,871 0 0
J P MORGAN EXCHANGE-TRADED F EQUITY PREMIUM 46641Q332 7,863 128,064 SH   SOLE   128,064 0 0
J P MORGAN EXCHANGE-TRADED F ULTRA SHRT INC 46641Q837 14,923 296,857 SH   SOLE   296,857 0 0
JANUS DETROIT STR TR HENDRSON AAA CL 47103U845 4,051 80,692 SH   SOLE   80,692 0 0
JANUS DETROIT STR TR HENDERSON MTG 47103U852 1,080 21,638 SH   SOLE   21,638 0 0
LEGG MASON ETF INVT TR CLEARBRIDEG LR 524682200 644 11,983 SH   SOLE   11,983 0 0
NUSHARES ETF TR NUVEEN ESG MIDCP 67092P409 351 8,013 SH   SOLE   8,013 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 4,505 57,109 SH   SOLE   57,109 0 0
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 7,947 58,010 SH   SOLE   54,658 0 3,352
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308 15,622 205,848 SH   SOLE   193,845 0 12,003
SELECT SECTOR SPDR TR FINANCIAL 81369Y605 10,451 272,728 SH   SOLE   257,199 0 15,529
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 20,666 130,033 SH   SOLE   122,299 0 7,734
SPDR S&P 500 ETF TR TR UNIT 78462F103 6,056 13,410 SH   SOLE   13,410 0 0
SPDR SER TR ICE PFD SEC ETF 78464A292 4,012 102,836 SH   SOLE   102,836 0 0
SPDR SER TR BLOOMBERG SHT TE 78468R408 4,086 155,698 SH   SOLE   155,698 0 0
SPDR SER TR S&P 500 ESG ETF 78468R531 1,406 32,387 SH   SOLE   32,387 0 0
SPDR SER TR BLOOMBERG HIGH Y 78468R622 2,049 19,990 SH   SOLE   19,990 0 0
SPDR SER TR PRTFLO S&P500 HI 78468R788 16,788 381,972 SH   SOLE   358,284 0 23,688
SSGA ACTIVE ETF TR BLACKSTONE SENR 78467V608 20,269 450,814 SH   SOLE   450,814 0 0
VANECK ETF TRUST EMERGING MRKT HI 92189F353 4,170 206,821 SH   SOLE   206,821 0 0
VANECK ETF TRUST SEMICONDUCTR ETF 92189F676 675 2,501 SH   SOLE   2,501 0 0
VANECK ETF TRUST JP MRGAN EM LOC 92189H300 4,183 155,001 SH   SOLE   155,001 0 0
VANECK ETF TRUST HIGH YLD MUNIETF 92189H409 6,069 105,730 SH   SOLE   105,730 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 13,451 91,023 SH   SOLE   86,000 0 5,023
VANGUARD INDEX FDS TOTAL STK MKT 922908769 236 1,035 SH   SOLE   1,035 0 0
VANGUARD WORLD FD MEGA GRWTH IND 921910816 29,925 127,125 SH   SOLE   119,436 0 7,689
WISDOMTREE TR EM EX ST-OWNED 97717X578 372 11,386 SH   SOLE   11,386 0 0