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 Core S&P 500 ETF COM 464287200 18,870 49,770 SH   SOLE   0 0 49,770
iShares Core U.S. Aggregate Bond ETF COM 464287226 5,012 49,295 SH   SOLE   0 0 49,295
iShares Gold Trust COM 464285105 1,847 53,838 SH   SOLE   0 0 53,838
iShares Russell 1000 Growth ETF COM 464287614 9,675 44,238 SH   SOLE   0 0 44,238
iShares Russell 3000 ETF COM 464287689 13,392 61,603 SH   SOLE   0 0 61,603
iShares S&P National Short Term Municipal Bond Fund COM 464288158 1,476 14,106 SH   SOLE   0 0 14,106
iShares Trust Broad USD Investment Grade Corporate Bond ETF COM 464288620 6,286 123,337 SH   SOLE   0 0 123,337
Janus Henderson AAA CLO ETF COM 47103U845 10,819 220,613 SH   SOLE   0 0 220,613
Janus Henderson BBB CLO ETF COM 47103U753 6,736 147,647 SH   SOLE   0 0 147,647
Johnson & Johnson COM 478160104 219 1,234 SH   SOLE   0 0 1,234
JP Morgan Ultra-Short Income ETF COM 46641Q837 9,590 191,454 SH   SOLE   0 0 191,454
JP Morgan Ultra-Short Municipal Income ETF COM 46641Q654 1,747 34,493 SH   SOLE   0 0 34,493
Pimco 0-5 Year High Yield Corporate Bond Index Fund COM 72201R783 2,454 27,716 SH   SOLE   0 0 27,716
Pimco Enhanced Low Duration Active ETF COM 72201R718 1,406 14,642 SH   SOLE   0 0 14,642
Pimco Enhanced Short Maturity Active ETF COM 72201R833 8,907 89,869 SH   SOLE   0 0 89,869
PowerShares FTSE RAFI US 1000 Portfolio COM 46137V613 9,116 61,513 SH   SOLE   0 0 61,513
ProShares Short QQQ COM 74347B714 11,437 794,223 SH   SOLE   0 0 794,223
SPDR Blackstone Senior Loan ETF COM 78467V608 2,418 58,076 SH   SOLE   0 0 58,076
SPDR Portfolio Aggregate Bond ETF COM 78464A649 401 15,208 SH   SOLE   0 0 15,208
SPDR Portfolio Large Cap ETF COM 78464A854 2,286 51,560 SH   SOLE   0 0 51,560
SPDR Portfolio S&P 500 Growth ETF COM 78462F103 4,195 80,249 SH   SOLE   0 0 80,249
SPDR Portfolio Short Term Corporate Bond ETF COM 78464A474 10,151 341,451 SH   SOLE   0 0 341,451
SPDR Portfolio Total Stock Market ETF COM 78464A805 2,089 44,944 SH   SOLE   0 0 44,944
SPDR S&P 500 ETF COM 78462F103 483 1,279 SH   SOLE   0 0 1,279
Vanguard Intermediate Term Bond ETF COM 921937819 1,761 22,675 SH   SOLE   0 0 22,675
Vanguard Small-Cap ETF COM 922908751 7,226 41,030 SH   SOLE   0 0 41,030
Vanguard Total Stock Market ETF COM 922908769 4,957 26,282 SH   SOLE   0 0 26,282
Vanguard Ultra-Short Bond ETF COM 92203C303 1,995 40,558 SH   SOLE   0 0 40,558