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
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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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
DBX ETF TR XTRCKR MSCI US 233051150   394,000 11,310 SH   SOLE   11,310 0 0
INVESCO EXCH TRADED FD TR II EMRNG MKT SVRG 46138E784   536,000 28,705 SH   SOLE   28,705 0 0
ISHARES INC JP MRGN EM HI BD 464286285   1,974,000 56,428 SH   SOLE   56,428 0 0
ISHARES INC MSCI AGRICULTURE 464286350   200,000 4,670 SH   SOLE   4,670 0 0
ISHARES INC MSCI EM ASIA ETF 464286426   12,854,000 203,005 SH   SOLE   194,215 0 8,790
ISHARES INC MSCI CDA ETF 464286509   5,899,000 180,247 SH   SOLE   172,449 0 7,798
ISHARES INC CORE MSCI EMKT 46434G103   6,396,000 136,950 SH   SOLE   131,153 0 5,797
ISHARES INC ESG AWR MSCI EM 46434G863   404,000 13,432 SH   SOLE   13,432 0 0
ISHARES TR CORE S&P500 ETF 464287200   49,527,000 128,905 SH   SOLE   123,719 0 5,186
ISHARES TR 20 YR TR BD ETF 464287432   1,456,000 14,628 SH   SOLE   14,628 0 0
ISHARES TR 7-10 YR TRSY BD 464287440   226,000 2,358 SH   SOLE   2,358 0 0
ISHARES TR GL CLEAN ENE ETF 464288224   203,000 10,219 SH   SOLE   10,219 0 0
ISHARES TR MSCI ACWI ETF 464288257   732,000 8,626 SH   SOLE   8,626 0 0
ISHARES TR MBS ETF 464288588   4,566,000 49,233 SH   SOLE   49,233 0 0
ISHARES TR ISHS 5-10YR INVT 464288638   1,637,000 33,055 SH   SOLE   33,055 0 0
ISHARES TR ISHS 1-5YR INVS 464288646   19,817,000 397,775 SH   SOLE   397,775 0 0
ISHARES TR 3 7 YR TREAS BD 464288661   707,000 6,155 SH   SOLE   6,155 0 0
ISHARES TR 10+ YR INVST GRD 464289511   805,000 16,168 SH   SOLE   16,168 0 0
ISHARES TR FLTG RATE NT ETF 46429B655   943,000 18,743 SH   SOLE   18,743 0 0
ISHARES TR MSCI USA QLT FCT 46432F339   24,909,000 218,576 SH   SOLE   209,368 0 9,208
ISHARES TR CORE MSCI EAFE 46432F842   24,459,000 396,807 SH   SOLE   379,204 0 17,603
ISHARES TR 0-5YR HI YL CP 46434V407   14,063,000 343,933 SH   SOLE   343,933 0 0
ISHARES TR ESG AWR MSCI USA 46435G425   435,000 5,127 SH   SOLE   5,127 0 0
ISHARES TR ESG AW MSCI EAFE 46435G516   863,000 13,122 SH   SOLE   13,122 0 0
ISHARES TR BROAD USD HIGH 46435U853   21,395,000 619,594 SH   SOLE   619,594 0 0
ISHARES U S ETF TR BLACKROCK ST MAT 46431W507   1,976,000 40,101 SH   SOLE   40,101 0 0
J P MORGAN EXCHANGE TRADED F BETABULDRS JAPAN 46641Q217   10,476,000 233,314 SH   SOLE   223,369 0 9,945
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332   22,564,000 414,093 SH   SOLE   401,068 0 13,025
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   13,400,000 267,300 SH   SOLE   267,300 0 0
JANUS DETROIT STR TR HENDRSON AAA CL 47103U845   4,642,000 94,239 SH   SOLE   94,239 0 0
JANUS DETROIT STR TR HENDERSON MTG 47103U852   984,000 21,648 SH   SOLE   21,648 0 0
NUSHARES ETF TR NUVEEN ESG LRGCP 67092P201   351,000 7,171 SH   SOLE   7,171 0 0
PACER FDS TR US CASH COWS 100 69374H881   12,161,000 262,940 SH   SOLE   251,753 0 11,187
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   4,673,000 61,860 SH   SOLE   61,860 0 0
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   10,449,000 76,916 SH   SOLE   73,636 0 3,280
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   6,055,000 48,657 SH   SOLE   46,585 0 2,072
SPDR S&P 500 ETF TR TR UNIT 78462F103   3,365,000 8,800 SH   SOLE   8,800 0 0
SPDR SER TR ICE PFD SEC ETF 78464A292   13,019,000 396,694 SH   SOLE   396,694 0 0
SPDR SER TR BLOOMBERG SHT TE 78468R408   3,375,000 139,248 SH   SOLE   139,248 0 0
SPDR SER TR S&P 500 ESG ETF 78468R531   784,000 21,379 SH   SOLE   21,379 0 0
SPDR SER TR BLOOMBERG HIGH Y 78468R622   2,462,000 27,350 SH   SOLE   27,350 0 0
SPDR SER TR PRTFLO S&P500 HI 78468R788   14,631,000 369,662 SH   SOLE   354,393 0 15,269
VANECK ETF TRUST EMERGING MRKT HI 92189F353   807,000 44,310 SH   SOLE   44,310 0 0
VANECK ETF TRUST JP MRGAN EM LOC 92189H300   3,049,000 125,835 SH   SOLE   125,835 0 0
VANECK ETF TRUST HIGH YLD MUNIETF 92189H409   6,868,000 135,873 SH   SOLE   135,873 0 0
VANGUARD WORLD FD ESG US STK ETF 921910733   429,000 6,510 SH   SOLE   6,510 0 0
VANGUARD WORLD FD MEGA GRWTH IND 921910816   9,913,000 57,609 SH   SOLE   55,153 0 2,456