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 576 17,673 SH   SOLE   17,673 0 0
INVESCO EXCH TRADED FD TR II EMRNG MKT SVRG 46138E784 486 28,705 SH   SOLE   28,705 0 0
ISHARES INC MSCI EM ASIA ETF 464286426 11,104 193,490 SH   SOLE   181,368 0 12,122
ISHARES INC MSCI CDA ETF 464286509 5,719 185,933 SH   SOLE   173,991 0 11,942
ISHARES INC ESG AWR MSCI EM 46434G863 204 7,367 SH   SOLE   7,367 0 0
ISHARES TR CORE S&P500 ETF 464287200 46,614 129,970 SH   SOLE   122,433 0 7,537
ISHARES TR 20 YR TR BD ETF 464287432 1,264 12,335 SH   SOLE   12,335 0 0
ISHARES TR 7-10 YR TRSY BD 464287440 708 7,380 SH   SOLE   7,380 0 0
ISHARES TR GL CLEAN ENE ETF 464288224 301 15,793 SH   SOLE   15,793 0 0
ISHARES TR MSCI ACWI ETF 464288257 671 8,626 SH   SOLE   8,626 0 0
ISHARES TR MBS ETF 464288588 3,860 42,146 SH   SOLE   42,146 0 0
ISHARES TR ISHS 5-10YR INVT 464288638 1,448 29,998 SH   SOLE   29,998 0 0
ISHARES TR ISHS 1-5YR INVS 464288646 18,709 379,646 SH   SOLE   379,646 0 0
ISHARES TR 3 7 YR TREAS BD 464288661 624 5,464 SH   SOLE   5,464 0 0
ISHARES TR 10+ YR INVST GRD 464289511 673 13,951 SH   SOLE   13,951 0 0
ISHARES TR FLTG RATE NT ETF 46429B655 942 18,743 SH   SOLE   18,743 0 0
ISHARES TR MSCI USA QLT FCT 46432F339 22,786 219,224 SH   SOLE   205,632 0 13,592
ISHARES TR CORE MSCI EAFE 46432F842 22,474 426,693 SH   SOLE   399,576 0 27,117
ISHARES TR 0-5YR HI YL CP 46434V407 13,236 331,388 SH   SOLE   331,388 0 0
ISHARES TR CONV BD ETF 46435G102 319 4,626 SH   SOLE   4,626 0 0
ISHARES TR ESG AWR MSCI USA 46435G425 410 5,157 SH   SOLE   5,157 0 0
ISHARES TR ESG AW MSCI EAFE 46435G516 583 10,389 SH   SOLE   10,389 0 0
ISHARES TR BROAD USD HIGH 46435U853 20,141 599,092 SH   SOLE   599,092 0 0
ISHARES U S ETF TR BLACKROCK ST MAT 46431W507 1,975 40,101 SH   SOLE   40,101 0 0
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332 6,343 123,812 SH   SOLE   123,812 0 0
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837 13,140 261,952 SH   SOLE   261,952 0 0
JANUS DETROIT STR TR HENDRSON AAA CL 47103U845 4,550 92,668 SH   SOLE   92,668 0 0
JANUS DETROIT STR TR HENDERSON MTG 47103U852 974 21,628 SH   SOLE   21,628 0 0
NUSHARES ETF TR NUVEEN ESG LRGCP 67092P201 451 9,781 SH   SOLE   9,781 0 0
PACER FDS TR US CASH COWS 100 69374H881 5,662 138,024 SH   SOLE   129,124 0 8,900
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 4,073 61,306 SH   SOLE   61,306 0 0
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 11,512 80,812 SH   SOLE   75,858 0 4,954
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 15,100 127,129 SH   SOLE   119,297 0 7,832
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852 12,014 250,870 SH   SOLE   236,054 0 14,816
SPDR S&P 500 ETF TR TR UNIT 78462F103 1,966 5,505 SH   SOLE   5,505 0 0
SPDR SER TR ICE PFD SEC ETF 78464A292 16,932 485,718 SH   SOLE   485,718 0 0
SPDR SER TR BLOOMBERG SHT TE 78468R408 3,496 147,028 SH   SOLE   147,028 0 0
SPDR SER TR S&P 500 ESG ETF 78468R531 1,147 33,681 SH   SOLE   33,681 0 0
SPDR SER TR BLOOMBERG HIGH Y 78468R622 2,392 27,225 SH   SOLE   27,225 0 0
SPDR SER TR PRTFLO S&P500 HI 78468R788 13,428 378,570 SH   SOLE   355,427 0 23,143
VANECK ETF TRUST EMERGING MRKT HI 92189F353 747 44,310 SH   SOLE   44,310 0 0
VANECK ETF TRUST JP MRGAN EM LOC 92189H300 1,213 53,200 SH   SOLE   53,200 0 0
VANECK ETF TRUST HIGH YLD MUNIETF 92189H409 6,660 133,391 SH   SOLE   133,391 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 236 1,910 SH   SOLE   1,910 0 0
VANGUARD WORLD FD MEGA GRWTH IND 921910816 23,042 132,206 SH   SOLE   124,230 0 7,976