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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
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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 INC MSCI AUST ETF 464286103 2,354 120,000 SH   SOLE   120,000 0 0
ISHARES TR CORE HIGH DV ETF 46429B663 4,108 45,000 SH   SOLE   45,000 0 0
ISHARES TR SELECT DIVID ETF 464287168 5,254 49,000 SH   SOLE   49,000 0 0
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 6,831 72,000 SH   SOLE   72,000 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 14,831 185,000 SH   SOLE   185,000 0 0
ISHARES TR COHEN STEER REIT 464287564 3,434 64,000 SH   SOLE   64,000 0 0
SPDR SER TR DJ REIT ETF 78464A607 4,634 55,000 SH   SOLE   55,000 0 0
ISHARES TR U.S. REAL ES ETF 464287739 12,294 151,000 SH   SOLE   151,000 0 0
ISHARES TR GLOBAL REIT ETF 46434V647 8,933 420,000 SH   SOLE   420,000 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 4,268 13,000 SH   SOLE   13,000 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 2,163 16,000 SH   SOLE   16,000 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 4,286 12,000 SH   SOLE   12,000 0 0
ISHARES TR CORE S&P500 ETF 464287200 3,945 11,000 SH   SOLE   11,000 0 0
ISHARES TR CORE DIV GRWTH 46434V621 2,224 50,000 SH   SOLE   50,000 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 1,871 7,000 SH   SOLE   7,000 0 0
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 848 7,000 SH   SOLE   7,000 0 0
SCHWAB STRATEGIC TR US REIT ETF 808524847 4,130 221,000 SH   SOLE   221,000 0 0
ISHARES TR S&P 100 ETF 464287101 2,161 13,300 SH   SOLE   13,300 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 4,650 70,000 SH   SOLE   70,000 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 1,729 14,000 SH   SOLE   14,000 0 0
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 1,404 24,000 SH   SOLE   24,000 0 0
SPDR SER TR PRTFLO S&P500 VL 78464A508 2,207 64,000 SH   SOLE   64,000 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 2,545 70,000 SH   SOLE   70,000 0 0
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 1,984 43,000 SH   SOLE   43,000 0 0
ISHARES TR MSCI USA VALUE 46432F388 2,047 25,000 SH   SOLE   25,000 0 0
SPDR INDEX SHS FDS EURO STOXX 50 78463X202 4,768 155,000 SH   SOLE   155,000 0 0
INVESCO EXCH TRADED FD TR II S&P500 HDL VOL 46138E362 5,280 135,000 SH   SOLE   135,000 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 1,655 13,000 SH   SOLE   13,000 0 0
SPDR SER TR PRTFLO S&P500 HI 78468R788 4,079 115,000 SH   SOLE   115,000 0 0
PROSHARES TR S&P 500 DV ARIST 74348A467 2,479 31,000 SH   SOLE   31,000 0 0
ISHARES TR INTL SEL DIV ETF 464288448 3,402 151,000 SH   SOLE   151,000 0 0
SELECT SECTOR SPDR TR RL EST SEL SEC 81369Y860 10,011 278,000 SH   SOLE   278,000 0 0
ISHARES TR CRE U S REIT ETF 464288521 3,325 70,000 SH   SOLE   70,000 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 1,491 53,000 SH   SOLE   53,000 0 0
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504 1,790 8,000 SH   SOLE   8,000 0 0
INVESCO EXCHANGE TRADED FD T S&P500 QUALITY 46137V241 1,351 34,000 SH   SOLE   34,000 0 0
ISHARES TR CORE MSCI EAFE 46432F842 737 14,000 SH   SOLE   14,000 0 0
ISHARES TR EAFE VALUE ETF 464288877 1,541 40,000 SH   SOLE   40,000 0 0
ISHARES INC MSCI EURZONE ETF 464286608 2,718 85,000 SH   SOLE   85,000 0 0
SELECT SECTOR SPDR TR ENERGY 81369Y506 3,169 44,000 SH   SOLE   44,000 0 0
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794 3,070 59,000 SH   SOLE   59,000 0 0
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308 3,003 45,000 SH   SOLE   45,000 0 0
VANGUARD WORLD FDS ENERGY ETF 92204A306 3,149 31,000 SH   SOLE   31,000 0 0
SPDR INDEX SHS FDS GLB NAT RESRCE 78463X541 1,682 34,000 SH   SOLE   34,000 0 0