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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
FIRST TR EXCHANGE-TRADED FD FST LOW OPPT EFT 33739Q200   1,919,000 40,254 SH   SOLE   40,254 0 0
INVESCO ACTIVELY MANAGED ETF ULTRA SHRT DUR 46090A887   4,770,000 96,089 SH   SOLE   96,089 0 0
INVESCO EXCH TRADED FD TR II EMRNG MKT SVRG 46138E784   559,000 28,705 SH   SOLE   28,705 0 0
ISHARES INC ESG AWR MSCI EM 46434G863   430,000 13,597 SH   SOLE   13,597 0 0
ISHARES INC CORE MSCI EMKT 46434G103   12,956,000 262,857 SH   SOLE   262,857 0 0
ISHARES INC MSCI CDA ETF 464286509   11,338,000 324,028 SH   SOLE   324,028 0 0
ISHARES INC MSCI EM ASIA ETF 464286426   6,900,000 105,012 SH   SOLE   105,012 0 0
ISHARES INC MSCI AUST ETF 464286103   6,362,000 282,127 SH   SOLE   282,127 0 0
ISHARES TR BROAD USD HIGH 46435U853   13,920,000 394,321 SH   SOLE   394,321 0 0
ISHARES TR ESG AW MSCI EAFE 46435G516   1,054,000 14,449 SH   SOLE   14,449 0 0
ISHARES TR ESG AWR MSCI USA 46435G425   409,000 4,200 SH   SOLE   4,200 0 0
ISHARES TR MSCI UK ETF NEW 46435G334   6,737,000 208,255 SH   SOLE   208,255 0 0
ISHARES TR 0-5YR HI YL CP 46434V407   11,733,000 283,067 SH   SOLE   283,067 0 0
ISHARES TR CORE MSCI EAFE 46432F842   20,022,000 296,617 SH   SOLE   296,617 0 0
ISHARES TR 10+ YR INVST GRD 464289511   373,000 7,226 SH   SOLE   7,226 0 0
ISHARES TR SHORT TREAS BD 464288679   1,334,000 12,078 SH   SOLE   12,078 0 0
ISHARES TR ISHS 1-5YR INVS 464288646   11,224,000 223,710 SH   SOLE   223,710 0 0
ISHARES TR ISHS 5-10YR INVT 464288638   1,858,000 36,739 SH   SOLE   36,739 0 0
ISHARES TR MBS ETF 464288588   19,243,000 206,327 SH   SOLE   206,327 0 0
ISHARES TR JPMORGAN USD EMG 464288281   378,000 4,372 SH   SOLE   4,372 0 0
ISHARES TR MSCI ACWI ETF 464288257   828,000 8,626 SH   SOLE   8,626 0 0
ISHARES TR 7-10 YR TRSY BD 464287440   3,410,000 35,302 SH   SOLE   35,302 0 0
ISHARES TR 20 YR TR BD ETF 464287432   1,505,000 14,618 SH   SOLE   14,618 0 0
ISHARES TR CORE S&P500 ETF 464287200   63,080,000 141,527 SH   SOLE   141,527 0 0
ISHARES U S ETF TR BLACKROCK ST MAT 46431W507   2,047,000 41,164 SH   SOLE   41,164 0 0
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   12,030,000 239,932 SH   SOLE   239,932 0 0
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332   32,490,000 587,210 SH   SOLE   587,210 0 0
J P MORGAN EXCHANGE TRADED F BETABULDRS JAPAN 46641Q217   11,862,000 230,147 SH   SOLE   230,147 0 0
NUSHARES ETF TR NUVEEN ESG SMLCP 67092P607   249,000 6,731 SH   SOLE   6,731 0 0
NUSHARES ETF TR NUVEEN ESG LRGVL 67092P300   386,000 11,131 SH   SOLE   11,131 0 0
PACER FDS TR US CASH COWS 100 69374H881   14,304,000 298,802 SH   SOLE   298,802 0 0
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308   9,205,000 124,102 SH   SOLE   124,102 0 0
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   11,224,000 84,562 SH   SOLE   84,562 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   4,012,000 9,050 SH   SOLE   9,050 0 0
SPDR SER TR PRTFLO S&P500 HI 78468R788   15,505,000 418,151 SH   SOLE   418,151 0 0
SPDR SER TR BLOOMBERG HIGH Y 78468R622   1,415,000 15,372 SH   SOLE   15,372 0 0
SPDR SER TR S&P 500 ESG ETF 78468R531   930,000 21,609 SH   SOLE   21,609 0 0
SPDR SER TR BLOOMBERG SHT TE 78468R408   1,632,000 66,072 SH   SOLE   66,072 0 0
SPDR SER TR S&P METALS MNG 78464A755   9,719,000 191,236 SH   SOLE   191,236 0 0
SPDR SER TR ICE PFD SEC ETF 78464A292   2,872,000 85,795 SH   SOLE   85,795 0 0
SPDR SER TR NUVEEN BLOOMBERG 78464A284   515,000 20,590 SH   SOLE   20,590 0 0
VANECK ETF TRUST HIGH YLD MUNIETF 92189H409   4,067,000 79,213 SH   SOLE   79,213 0 0
VANECK ETF TRUST JP MRGAN EM LOC 92189H300   2,855,000 111,699 SH   SOLE   111,699 0 0
VANECK ETF TRUST EMERGING MRKT HI 92189F353   811,000 44,310 SH   SOLE   44,310 0 0
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   1,748,000 23,137 SH   SOLE   23,137 0 0
VANGUARD WORLD FD ESG US STK ETF 921910733   676,000 8,631 SH   SOLE   8,631 0 0