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   657 25,866 SH   SOLE   0 0 25,866
Dimensional National Municipal Bond ETF COM 25434V849   7,991 167,778 SH   SOLE   0 0 167,778
iShares Core S&P 500 ETF COM 464287200   21,744 48,784 SH   SOLE   0 0 48,784
iShares Core U.S. Aggregate Bond ETF COM 464287226   5,335 54,469 SH   SOLE   0 0 54,469
iShares Gold Trust COM 464285105   1,901 52,246 SH   SOLE   0 0 52,246
iShares Russell 1000 Growth ETF COM 464287614   11,348 41,237 SH   SOLE   0 0 41,237
iShares Russell 3000 ETF COM 464287689   15,099 59,334 SH   SOLE   0 0 59,334
iShares S&P National Short Term Municipal Bond Fund COM 464288158   2,109 20,275 SH   SOLE   0 0 20,275
Janus Henderson AAA CLO ETF COM 47103U845   11,155 223,772 SH   SOLE   0 0 223,772
JP Morgan Ultra-Short Income ETF COM 46641Q837   9,517 189,812 SH   SOLE   0 0 189,812
JP Morgan Ultra-Short Municipal Income ETF COM 46641Q654   1,776 35,061 SH   SOLE   0 0 35,061
Microsoft Corporation COM 594918104   403 1,183 SH   SOLE   0 0 1,183
Pimco 0-5 Year High Yield Corporate Bond Index Fund COM 72201R783   2,532 27,761 SH   SOLE   0 0 27,761
Pimco Enhanced Low Duration Active ETF COM 72201R718   1,499 15,990 SH   SOLE   0 0 15,990
Pimco Enhanced Short Maturity Active ETF COM 72201R833   8,970 89,915 SH   SOLE   0 0 89,915
PowerShares FTSE RAFI US 1000 Portfolio COM 46137V613   9,935 60,708 SH   SOLE   0 0 60,708
ProShares Short QQQ COM 74347B714   5,182 490,280 SH   SOLE   0 0 490,280
ProShares Short S&P 500 Index Fund COM 74347B425   5,488 395,369 SH   SOLE   0 0 395,369
SPDR Blackstone Senior Loan ETF COM 78467V608   2,444 58,369 SH   SOLE   0 0 58,369
SPDR Portfolio Large Cap ETF COM 78464A854   2,869 55,062 SH   SOLE   0 0 55,062
SPDR Portfolio S&P 500 Growth ETF COM 78462F103   5,142 84,281 SH   SOLE   0 0 84,281
SPDR Portfolio Short Term Corporate Bond ETF COM 78464A474   6,184 210,050 SH   SOLE   0 0 210,050
SPDR Portfolio Total Stock Market ETF COM 78464A805   2,702 49,633 SH   SOLE   0 0 49,633
SPDR S&P 500 ETF COM 78462F103   494 1,114 SH   SOLE   0 0 1,114
Vanguard Intermediate Term Bond ETF COM 921937819   1,917 25,478 SH   SOLE   0 0 25,478
Vanguard Short-Term Corporate Bond ETF COM 92206C409   3,854 50,942 SH   SOLE   0 0 50,942
Vanguard Small-Cap ETF COM 922908751   7,991 40,178 SH   SOLE   0 0 40,178
Vanguard Total Stock Market ETF COM 922908769   5,568 25,279 SH   SOLE   0 0 25,279
Vanguard Ultra-Short Bond ETF COM 92203C303   1,934 39,348 SH   SOLE   0 0 39,348