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
Apple Inc COM 037833100   209,892 1,224 SH   SOLE   0 0 1,224
Capital Group Core Plus Income ETF COM 14020Y102   7,013,674 312,274 SH   SOLE   0 0 312,274
Dimensional International Value ETF COM 25434V807   4,006,118 109,010 SH   SOLE   0 0 109,010
Dimensional Large Cap Value ETF COM 25434V666   1,290,350 43,026 SH   SOLE   0 0 43,026
Dimensional National Municipal Bond ETF COM 25434V849   9,044,911 188,083 SH   SOLE   0 0 188,083
Invesco Senior Loan ETF COM 46138G508   283,304 13,395 SH   SOLE   0 0 13,395
iShares Barclays 7-10 Year Treasury Bonds COM 464287440   7,004,272 73,994 SH   SOLE   0 0 73,994
iShares Core S&P 500 ETF COM 464287200   26,374,823 50,168 SH   SOLE   0 0 50,168
iShares Core U.S. Aggregate Bond ETF COM 464287226   3,078,352 31,431 SH   SOLE   0 0 31,431
iShares Gold Trust COM 464285204   2,136,839 50,865 SH   SOLE   0 0 50,865
Ishares Russell 1000 Growth Etf COM 464287614   13,774,896 40,869 SH   SOLE   0 0 40,869
iShares Russell 3000 ETF COM 464287689   17,677,713 58,910 SH   SOLE   0 0 58,910
iShares S&P National Muni Bond Fund COM 464288414   987,983 9,182 SH   SOLE   0 0 9,182
iShares S&P National Short Term Municipal Bond Fund COM 464288158   670,691 6,404 SH   SOLE   0 0 6,404
iShares Trust Broad USD Investment Grade Corporate Bond ETF COM 464288620   2,128,481 41,924 SH   SOLE   0 0 41,924
Janus Henderson AAA CLO ETF COM 47103U845   11,554,614 227,722 SH   SOLE   0 0 227,722
JP Morgan Ultra-Short Income ETF COM 46641Q837   6,960,233 137,963 SH   SOLE   0 0 137,963
JP Morgan Ultra-Short Municipal Income ETF COM 46641Q654   1,771,942 34,922 SH   SOLE   0 0 34,922
Microsoft Corp COM 594918104   742,150 1,764 SH   SOLE   0 0 1,764
Pimco 0-5 Year High Yield Corporate Bond Index Fund COM 72201R783   2,628,938 28,123 SH   SOLE   0 0 28,123
Pimco Enhanced Low Duration Active ETF COM 72201R718   1,147,711 12,099 SH   SOLE   0 0 12,099
Pimco Enhanced Short Maturity Active ETF COM 72201R833   6,687,016 66,511 SH   SOLE   0 0 66,511
PowerShares FTSE RAFI US 1000 Portfolio COM 46137V613   11,653,409 302,922 SH   SOLE   0 0 302,922
SPDR Blackstone Senior Loan ETF COM 78467V608   2,202,185 52,296 SH   SOLE   0 0 52,296
SPDR Portfolio Aggregate Bond ETF COM 78464A649   2,581,594 102,120 SH   SOLE   0 0 102,120
SPDR Portfolio Large Cap ETF COM 78464A854   3,312,037 53,828 SH   SOLE   0 0 53,828
SPDR Portfolio S&P 500 Growth ETF COM 78464A409   6,423,448 87,812 SH   SOLE   0 0 87,812
SPDR Portfolio Short Term Corporate Bond ETF COM 78464A474   3,283,155 110,284 SH   SOLE   0 0 110,284
SPDR Portfolio Total Stock Market ETF COM 78464A805   3,154,191 49,169 SH   SOLE   0 0 49,169
SPDR S&P 500 ETF COM 78462F103   562,823 1,076 SH   SOLE   0 0 1,076
Vanguard FTSE Developed Markets ETF COM 921943858   3,958,564 78,903 SH   SOLE   0 0 78,903
Vanguard Intermediate Term Bond ETF COM 921937819   1,891,786 25,090 SH   SOLE   0 0 25,090
Vanguard Short-Term Corporate Bond ETF COM 92206C409   3,224,445 41,708 SH   SOLE   0 0 41,708
Vanguard Small-Cap ETF COM 922908751   9,213,091 40,304 SH   SOLE   0 0 40,304
Vanguard Total Stock Market ETF COM 922908769   6,981,694 26,863 SH   SOLE   0 0 26,863
Vanguard Ultra-Short Bond ETF COM 92203C303   1,991,216 40,186 SH   SOLE   0 0 40,186