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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
Dimensional National Municipal Bond ETF COM 25434V849   8,218 171,879 SH   SOLE   0 0 171,879
Invesco Senior Loan ETF COM 46138G508   759 36,949 SH   SOLE   0 0 36,949
iShares Core S&P 500 ETF COM 464287200   18,547 48,272 SH   SOLE   0 0 48,272
iShares Core S&P Small-Cap ETF COM 464287804   237 2,506 SH   SOLE   0 0 2,506
iShares Core U.S. Aggregate Bond ETF COM 464287226   2,367 24,406 SH   SOLE   0 0 24,406
iShares Gold Trust COM 464285105   1,817 52,517 SH   SOLE   0 0 52,517
iShares Russell 1000 Growth ETF COM 464287614   9,686 45,211 SH   SOLE   0 0 45,211
iShares Russell 3000 ETF COM 464287689   13,326 60,384 SH   SOLE   0 0 60,384
iShares S&P National Short Term Municipal Bond Fund COM 464288158   1,425 13,667 SH   SOLE   0 0 13,667
Janus Henderson AAA CLO ETF COM 47103U845   10,961 222,523 SH   SOLE   0 0 222,523
Johnson & Johnson COM 478160104   242 1,368 SH   SOLE   0 0 1,368
JP Morgan Ultra-Short Income ETF COM 46641Q837   9,433 188,163 SH   SOLE   0 0 188,163
JP Morgan Ultra-Short Municipal Income ETF COM 46641Q654   1,748 34,590 SH   SOLE   0 0 34,590
Microsoft Corporation COM 594918104   255 1,065 SH   SOLE   0 0 1,065
Pimco 0-5 Year High Yield Corporate Bond Index Fund COM 72201R783   2,458 27,537 SH   SOLE   0 0 27,537
Pimco Enhanced Low Duration Active ETF COM 72201R718   1,446 15,344 SH   SOLE   0 0 15,344
Pimco Enhanced Short Maturity Active ETF COM 72201R833   8,739 88,589 SH   SOLE   0 0 88,589
PowerShares FTSE RAFI US 1000 Portfolio COM 46137V613   9,418 60,700 SH   SOLE   0 0 60,700
ProShares Short QQQ COM 74347B714   7,191 488,528 SH   SOLE   0 0 488,528
ProShares Short S&P 500 Index Fund COM 74347B425   6,355 396,426 SH   SOLE   0 0 396,426
SPDR Blackstone Senior Loan ETF COM 78467V608   1,603 39,201 SH   SOLE   0 0 39,201
SPDR Portfolio Aggregate Bond ETF COM 78464A649   2,729 108,583 SH   SOLE   0 0 108,583
SPDR Portfolio Large Cap ETF COM 78464A854   2,599 57,787 SH   SOLE   0 0 57,787
SPDR Portfolio S&P 500 Growth ETF COM 78462F103   3,463 68,348 SH   SOLE   0 0 68,348
SPDR Portfolio Short Term Corporate Bond ETF COM 78464A474   6,142 209,043 SH   SOLE   0 0 209,043
SPDR Portfolio Total Stock Market ETF COM 78464A805   2,455 51,914 SH   SOLE   0 0 51,914
SPDR S&P 500 ETF COM 78462F103   438 1,145 SH   SOLE   0 0 1,145
Vanguard Intermediate Term Bond ETF COM 921937819   1,747 23,504 SH   SOLE   0 0 23,504
Vanguard Short-Term Corporate Bond ETF COM 92206C409   3,813 50,717 SH   SOLE   0 0 50,717
Vanguard Small-Cap ETF COM 922908751   7,157 38,993 SH   SOLE   0 0 38,993
Vanguard Total Stock Market ETF COM 922908769   4,673 24,440 SH   SOLE   0 0 24,440
Vanguard Ultra-Short Bond ETF COM 92203C303   1,918 39,144 SH   SOLE   0 0 39,144