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
ISHARES S&P 500 GROWTH ETF ETF 464287309 26,815 362,807 SH   SOLE   0 0 362,807
VANGUARD FTSE DEVELOPED MARKETS ETF ETF 921943858 16,772 332,191 SH   SOLE   0 0 332,191
WISDOMTREE EMERGING MARKETS SMALLCAP DIVIDEND FUND ETF 97717W281 14,669 274,291 SH   SOLE   0 0 274,291
WISDOMTREE U.S. SMALLCAP DIVIDEND FUND ETF 97717W604 13,327 432,262 SH   SOLE   0 0 432,262
VANGUARD HIGH DIVIDEND YIELD ETF ETF 921946406 12,659 122,486 SH   SOLE   0 0 122,486
SPDR S&P DIVIDEND ETF ETF 78464A763 11,956 101,706 SH   SOLE   0 0 101,706
WISDOMTREE U.S. QUALITY DIVIDEND GROWTH FUND ETF 97717X669 10,747 182,640 SH   SOLE   0 0 182,640
VANGUARD SHORT-TERM BOND INDEX FUND ETF 921937827 6,787 82,825 SH   SOLE   0 0 82,825
SPDR BLOOMBERG HIGH YIELD BOND ETF ETF 78468R622 6,747 61,692 SH   SOLE   0 0 61,692
VANGUARD DIVIDEND APPRECIATION INDEX FUND ETF 921908844 5,657 36,831 SH   SOLE   0 0 36,831
VANECK SHORT MUNI ETF ETF 92189F528 5,357 297,606 SH   SOLE   0 0 297,606
WISDOMTREE U.S. MIDCAP DIVIDEND FUND ETF 97717W505 5,058 122,035 SH   SOLE   0 0 122,035
INVESCO EMERGING MARKETS SOVEREIGN DEBT ETF ETF 46138E784 4,902 183,807 SH   SOLE   0 0 183,807
VANGUARD INTERMEDIATE-TERM BOND INDEX FUND ETF 921937819 3,926 43,894 SH   SOLE   0 0 43,894
VANGUARD SMALL-CAP GROWTH INDEX FUND ETF 922908595 3,863 13,787 SH   SOLE   0 0 13,787
ISHARES RUSSELL 1000 GROWTH ETF ETF 464287614 3,729 13,607 SH   SOLE   0 0 13,607
ISHARES MORNINGSTAR SMALL-CAP VALUE ETF ETF 464288703 3,376 59,375 SH   SOLE   0 0 59,375
SPDR S&P 600 SMALL CAP GROWTH ETF ETF 78464A201 3,366 38,635 SH   SOLE   0 0 38,635
SPDR GOLD MINISHARES TRUST ETF 98149E204 3,346 191,623 SH   SOLE   0 0 191,623
ISHARES MSCI JAPAN ETF ETF 46434G822 3,257 46,367 SH   SOLE   0 0 46,367
ISHARES CORE S&P 500 ETF ETF 464287200 3,166 7,348 SH   SOLE   0 0 7,348
ISHARES NATIONAL MUNI BOND ETF ETF 464288414 3,075 26,472 SH   SOLE   0 0 26,472
ISHARES RUSSELL MID-CAP GROWTH ETF ETF 464287481 3,063 27,327 SH   SOLE   0 0 27,327
INVESCO S&P MIDCAP 400 PURE GROWTH ETF ETF 46137V217 2,614 11,842 SH   SOLE   0 0 11,842
X-TRACKERS MSCI EUROPE HEDGED EQUITY ETF ETF 233051853 1,854 54,271 SH   SOLE   0 0 54,271
ISHARES 0-5 YEAR TIPS BOND ETF ETF 46429B747 1,800 17,044 SH   SOLE   0 0 17,044
INVESCO DYNAMIC LARGE CAP VALUE ETF ETF 46137V738 1,682 37,824 SH   SOLE   0 0 37,824
ISHARES MSCI INDIA INDEX FUND ETF 46429B598 1,583 32,507 SH   SOLE   0 0 32,507
PIMCO ENHANCED SHORT MATURITY ACTIVE EXCHANGE-TRADED FUND ETF 72201R833 1,548 15,190 SH   SOLE   0 0 15,190
SPDR PORTFOLIO TIPS ETF ETF 78464A656 1,465 47,099 SH   SOLE   0 0 47,099
ISHARES SHORT TREASURY BOND ETF ETF 464288679 1,375 12,450 SH   SOLE   0 0 12,450
ISHARES 7-10 YEAR TREASURY BOND ETF ETF 464287440 1,188 10,312 SH   SOLE   0 0 10,312
INVESCO OPTIMUM YIELD DIVERSIFIED COMMODITY STRATEGY NOA K-1A ETF ETF 46090F100 1,182 56,132 SH   SOLE   0 0 56,132
GOLDMAN SACHS ACCESS TREASURY 0-1 YEAR ETF ETF 381430529 1,060 10,592 SH   SOLE   0 0 10,592
ISHARES U.S. TREASURY BOND ETF ETF 46429B267 1,033 38,929 SH   SOLE   0 0 38,929
ISHARES MSCI EAFE ETF ETF 464287465 969 12,419 SH   SOLE   0 0 12,419
ISHARES TIPS BOND ETF ETF 464287176 531 4,155 SH   SOLE   0 0 4,155
ISHARES RUSSELL MID-CAP VALUE ETF ETF 464287473 442 3,900 SH   SOLE   0 0 3,900
VANGUARD SMALL-CAP VALUE INDEX FUND ETF 922908611 356 2,101 SH   SOLE   0 0 2,101
SPDR S&P 500 ETF ETF 78462F103 342 797 SH   SOLE   0 0 797
ISHARES IBOXX $ HIGH YIELD CORPORATE BOND ETF ETF 464288513 317 3,628 SH   SOLE   0 0 3,628
ISHARES MSCI EMERGING MARKETS ETF ETF 464287234 314 6,224 SH   SOLE   0 0 6,224
TECHNOLOGY SELECT SECTOR SPDR FUND ETF 81369Y803 246 1,649 SH   SOLE   0 0 1,649
ISHARES 0-5 YEAR HIGH YIELD CORPORATE BOND ETF ETF 46434V407 243 5,326 SH   SOLE   0 0 5,326
WISDOMTREE EMERGING MARKETS HIGH DIVIDEND FUND ETF 97717W315 222 5,080 SH   SOLE   0 0 5,080
ISHARES MBS ETF ETF 464288588 212 1,961 SH   SOLE   0 0 1,961
WISDOMTREE INTERNATIONAL SMALLCAP DIVIDEND FUND ETF 97717W760 210 2,823 SH   SOLE   0 0 2,823
INVESCO QQQ TRUST ETF 46090E103 204 570 SH   SOLE   0 0 570