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 Large Cap Value ETF COM 25434V666   502 20,421 SH   SOLE   0 0 20,421
Dimensional National Municipal Bond ETF COM 25434V849   8,211 169,941 SH   SOLE   0 0 169,941
Invesco Senior Loan ETF COM 46138G508   769 36,949 SH   SOLE   0 0 36,949
iShares Core S&P 500 ETF COM 464287200   20,068 48,818 SH   SOLE   0 0 48,818
iShares Core S&P Small-Cap ETF COM 464287804   238 2,466 SH   SOLE   0 0 2,466
iShares Core U.S. Aggregate Bond ETF COM 464287226   2,555 25,639 SH   SOLE   0 0 25,639
iShares Gold Trust COM 464285105   1,970 52,715 SH   SOLE   0 0 52,715
iShares Russell 1000 Growth ETF COM 464287614   10,556 43,203 SH   SOLE   0 0 43,203
iShares Russell 3000 ETF COM 464287689   13,988 59,420 SH   SOLE   0 0 59,420
iShares S&P National Short Term Municipal Bond Fund COM 464288158   2,133 20,377 SH   SOLE   0 0 20,377
Janus Henderson AAA CLO ETF COM 47103U845   11,079 223,769 SH   SOLE   0 0 223,769
Johnson & Johnson COM 478160104   206 1,329 SH   SOLE   0 0 1,329
JP Morgan Ultra-Short Income ETF COM 46641Q837   9,527 189,335 SH   SOLE   0 0 189,335
JP Morgan Ultra-Short Municipal Income ETF COM 46641Q654   1,753 34,523 SH   SOLE   0 0 34,523
Microsoft Corporation COM 594918104   283 983 SH   SOLE   0 0 983
Pimco 0-5 Year High Yield Corporate Bond Index Fund COM 72201R783   2,525 27,658 SH   SOLE   0 0 27,658
Pimco Enhanced Low Duration Active ETF COM 72201R718   1,525 16,068 SH   SOLE   0 0 16,068
Pimco Enhanced Short Maturity Active ETF COM 72201R833   8,819 88,853 SH   SOLE   0 0 88,853
PowerShares FTSE RAFI US 1000 Portfolio COM 46137V613   9,546 60,889 SH   SOLE   0 0 60,889
ProShares Short QQQ COM 74347B714   5,991 491,878 SH   SOLE   0 0 491,878
ProShares Short S&P 500 Index Fund COM 74347B425   5,976 398,389 SH   SOLE   0 0 398,389
SPDR Blackstone Senior Loan ETF COM 78467V608   1,638 39,508 SH   SOLE   0 0 39,508
SPDR Portfolio Aggregate Bond ETF COM 78464A649   2,772 107,488 SH   SOLE   0 0 107,488
SPDR Portfolio Large Cap ETF COM 78464A854   2,703 56,138 SH   SOLE   0 0 56,138
SPDR Portfolio S&P 500 Growth ETF COM 78462F103   4,359 78,745 SH   SOLE   0 0 78,745
SPDR Portfolio Short Term Corporate Bond ETF COM 78464A474   6,297 212,519 SH   SOLE   0 0 212,519
SPDR Portfolio Total Stock Market ETF COM 78464A805   2,556 50,675 SH   SOLE   0 0 50,675
SPDR S&P 500 ETF COM 78462F103   465 1,135 SH   SOLE   0 0 1,135
Vanguard Intermediate Term Bond ETF COM 921937819   1,897 24,718 SH   SOLE   0 0 24,718
Vanguard Short-Term Corporate Bond ETF COM 92206C409   3,866 50,717 SH   SOLE   0 0 50,717
Vanguard Small-Cap ETF COM 922908751   7,413 39,104 SH   SOLE   0 0 39,104
Vanguard Total Stock Market ETF COM 922908769   5,323 26,081 SH   SOLE   0 0 26,081
Vanguard Ultra-Short Bond ETF COM 92203C303   1,958 39,758 SH   SOLE   0 0 39,758