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 Convertible Bond ETF COM 46435G102 2,675 32,103 SH   SOLE   0 0 32,103
iShares Core S&P 500 ETF COM 464287200 22,600 49,947 SH   SOLE   0 0 49,947
iShares Core U.S. Aggregate Bond ETF COM 464287226 5,154 48,119 SH   SOLE   0 0 48,119
iShares Gold Trust COM 464285105 1,974 53,608 SH   SOLE   0 0 53,608
iShares Preferred and Income Securities ETF COM 464288687 2,585 70,975 SH   SOLE   0 0 70,975
iShares Russell 1000 Growth ETF COM 464287614 12,673 45,648 SH   SOLE   0 0 45,648
iShares Russell 3000 ETF COM 464287689 16,259 61,971 SH   SOLE   0 0 61,971
iShares S&P National Short Term Municipal Bond Fund COM 464288158 424 4,055 SH   SOLE   0 0 4,055
iShares Trust Broad USD Investment Grade Corporate Bond ETF COM 464288620 6,756 122,752 SH   SOLE   0 0 122,752
Janus Henderson AAA CLO ETF COM 47103U845 10,995 219,005 SH   SOLE   0 0 219,005
Janus Henderson BBB CLO ETF COM 47103U753 7,314 148,299 SH   SOLE   0 0 148,299
Johnson & Johnson COM 478160104 219 1,234 SH   SOLE   0 0 1,234
JP Morgan Ultra-Short Income ETF COM 46641Q837 9,484 188,671 SH   SOLE   0 0 188,671
JP Morgan Ultra-Short Municipal Income ETF COM 46641Q654 1,724 34,051 SH   SOLE   0 0 34,051
Microsoft Corporation COM 594918104 228 738 SH   SOLE   0 0 738
Pimco 0-5 Year High Yield Corporate Bond Index Fund COM 72201R783 2,672 27,771 SH   SOLE   0 0 27,771
Pimco Enhanced Short Maturity Active ETF COM 72201R833 8,839 88,249 SH   SOLE   0 0 88,249
PowerShares FTSE RAFI US 1000 Portfolio COM 46137V613 10,458 61,206 SH   SOLE   0 0 61,206
SPDR Blackstone Senior Loan ETF COM 78467V608 2,635 58,613 SH   SOLE   0 0 58,613
SPDR Portfolio Aggregate Bond ETF COM 78464A649 434 15,606 SH   SOLE   0 0 15,606
SPDR Portfolio Large Cap ETF COM 78464A854 2,742 51,604 SH   SOLE   0 0 51,604
SPDR Portfolio S&P 500 Growth ETF COM 78462F103 5,283 79,799 SH   SOLE   0 0 79,799
SPDR Portfolio Short Term Corporate Bond ETF COM 78464A474 1,060 333,898 SH   SOLE   0 0 333,898
SPDR Portfolio Total Stock Market ETF COM 78464A805 2,504 45,053 SH   SOLE   0 0 45,053
SPDR S&P 500 ETF COM 78462F103 637 1,410 SH   SOLE   0 0 1,410
Vanguard FTSE Developed Markets ETF COM 921943858 10,143 211,171 SH   SOLE   0 0 211,171
Vanguard Intermediate Term Bond ETF COM 921937819 1,841 22,477 SH   SOLE   0 0 22,477
Vanguard Small-Cap ETF COM 922908751 8,670 40,798 SH   SOLE   0 0 40,798
Vanguard Total Stock Market ETF COM 922908769 5,793 25,446 SH   SOLE   0 0 25,446
Vanguard Ultra-Short Bond ETF COM 92203C303 2,019 40,879 SH   SOLE   0 0 40,879