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 27,713 362,834 SH   SOLE   0 0 362,834
VANGUARD FTSE DEVELOPED MARKETS ETF ETF 921943858 16,820 350,198 SH   SOLE   0 0 350,198
WISDOMTREE EMERGING MARKETS SMALLCAP DIVIDEND FUND ETF 97717W281 15,358 288,144 SH   SOLE   0 0 288,144
SPDR S&P DIVIDEND ETF ETF 78464A763 14,408 112,462 SH   SOLE   0 0 112,462
WISDOMTREE U.S. SMALLCAP DIVIDEND FUND ETF 97717W604 13,709 430,142 SH   SOLE   0 0 430,142
VANGUARD HIGH DIVIDEND YIELD ETF ETF 921946406 12,665 112,829 SH   SOLE   0 0 112,829
WISDOMTREE U.S. QUALITY DIVIDEND GROWTH FUND ETF 97717X669 11,724 184,134 SH   SOLE   0 0 184,134
SPDR BLOOMBERG HIGH YIELD BOND ETF ETF 78468R622 6,605 64,439 SH   SOLE   0 0 64,439
VANGUARD DIVIDEND APPRECIATION INDEX FUND ETF 921908844 6,351 39,164 SH   SOLE   0 0 39,164
VANGUARD SHORT-TERM BOND INDEX FUND ETF 921937827 6,309 80,989 SH   SOLE   0 0 80,989
WISDOMTREE U.S. MIDCAP DIVIDEND FUND ETF 97717W505 5,269 118,610 SH   SOLE   0 0 118,610
VANECK SHORT MUNI ETF ETF 92189F528 5,149 301,030 SH   SOLE   0 0 301,030
INVESCO EMERGING MARKETS SOVEREIGN DEBT ETF ETF 46138E784 4,665 206,341 SH   SOLE   0 0 206,341
SPDR GOLD MINISHARES TRUST ETF 98149E303 4,534 117,852 SH   SOLE   0 0 117,852
VANGUARD SMALL-CAP GROWTH INDEX FUND ETF 922908595 3,827 15,423 SH   SOLE   0 0 15,423
ISHARES RUSSELL 1000 GROWTH ETF ETF 464287614 3,778 13,607 SH   SOLE   0 0 13,607
SPDR PORTFOLIO TIPS ETF ETF 78464A656 3,650 120,636 SH   SOLE   0 0 120,636
VANGUARD INTERMEDIATE-TERM BOND INDEX FUND ETF 921937819 3,605 44,015 SH   SOLE   0 0 44,015
ISHARES MORNINGSTAR SMALL-CAP VALUE ETF ETF 464288703 3,446 58,638 SH   SOLE   0 0 58,638
ISHARES CORE S&P 500 ETF ETF 464287200 3,284 7,238 SH   SOLE   0 0 7,238
SPDR S&P 600 SMALL CAP GROWTH ETF ETF 78464A201 3,208 38,273 SH   SOLE   0 0 38,273
ISHARES RUSSELL MID-CAP GROWTH ETF ETF 464287481 3,108 30,926 SH   SOLE   0 0 30,926
INVESCO OPTIMUM YIELD DIVERSIFIED COMMODITY STRATEGY NOA K-1A ETF ETF 46090F100 3,024 171,437 SH   SOLE   0 0 171,437
ISHARES NATIONAL MUNI BOND ETF ETF 464288414 2,951 26,915 SH   SOLE   0 0 26,915
ISHARES 0-5 YEAR TIPS BOND ETF ETF 46429B747 2,652 25,270 SH   SOLE   0 0 25,270
ISHARES U.S. TREASURY BOND ETF ETF 46429B267 2,626 105,419 SH   SOLE   0 0 105,419
INVESCO S&P MIDCAP 400 PURE GROWTH ETF ETF 46137V217 2,392 11,735 SH   SOLE   0 0 11,735
SPDR PORTFOLIO S&P 500 VALUE ETF ETF 78464A508 1,966 47,091 SH   SOLE   0 0 47,091
WISDOMTREE FLOATING RATE TREASURY FUND ETF 97717Y527 1,897 37,719 SH   SOLE   0 0 37,719
INVESCO DYNAMIC LARGE CAP VALUE ETF ETF 46137V738 1,850 37,824 SH   SOLE   0 0 37,824
PIMCO ENHANCED SHORT MATURITY ACTIVE EXCHANGE-TRADED FUND ETF 72201R833 1,389 13,865 SH   SOLE   0 0 13,865
ISHARES MSCI INDIA INDEX FUND ETF 46429B598 971 21,785 SH   SOLE   0 0 21,785
GOLDMAN SACHS ACCESS TREASURY 0-1 YEAR ETF ETF 381430529 939 9,394 SH   SOLE   0 0 9,394
ISHARES MSCI EAFE ETF ETF 464287465 916 12,439 SH   SOLE   0 0 12,439
ISHARES SHORT TREASURY BOND ETF ETF 464288679 874 7,929 SH   SOLE   0 0 7,929
ISHARES TIPS BOND ETF ETF 464287176 524 4,209 SH   SOLE   0 0 4,209
ISHARES RUSSELL MID-CAP VALUE ETF ETF 464287473 467 3,900 SH   SOLE   0 0 3,900
JPMORGAN ULTRA-SHORT INCOME ETF ETF 46641Q837 448 8,918 SH   SOLE   0 0 8,918
VANGUARD SMALL-CAP VALUE INDEX FUND ETF 922908611 370 2,101 SH   SOLE   0 0 2,101
SPDR S&P 500 ETF ETF 78462F103 360 797 SH   SOLE   0 0 797
PROSHARES ULTRA QQQ ETF 74347R206 306 4,256 SH   SOLE   0 0 4,256
ISHARES IBOXX $ HIGH YIELD CORPORATE BOND ETF ETF 464288513 299 3,633 SH   SOLE   0 0 3,633
ISHARES MSCI EMERGING MARKETS ETF ETF 464287234 281 6,233 SH   SOLE   0 0 6,233
ISHARES CORE U.S. AGGREGATE BOND ETF ETF 464287226 275 2,565 SH   SOLE   0 0 2,565
PROSHARES ULTRAPRO SHORT QQQ ETF 74347G432 236 7,000 SH   SOLE   0 0 7,000
ISHARES 0-5 YEAR HIGH YIELD CORPORATE BOND ETF ETF 46434V407 234 5,326 SH   SOLE   0 0 5,326
WISDOMTREE EMERGING MARKETS HIGH DIVIDEND FUND ETF 97717W315 223 5,092 SH   SOLE   0 0 5,092
ISHARES MBS ETF ETF 464288588 205 2,016 SH   SOLE   0 0 2,016
INVESCO QQQ TRUST ETF 46090E103 204 564 SH   SOLE   0 0 564
SCHWAB US DIVIDEND EQUITY ETF ETF 808524797 204 2,586 SH   SOLE   0 0 2,586