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
SPDR SER TR PRTFLO S&P500 VL ETF 78464A508   219,406 5,005 SH   SOLE   1,821 0 3,184
SELECT SECTOR SPDR TR SBI INT-UTILS ETF 81369Y886   336,887 5,037 SH   SOLE   3,236 0 1,801
SPDR SER TR S&P 600 SMCP GRW ETF 78464A201   360,031 4,605 SH   SOLE   493 0 4,112
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   382,514 7,246 SH   SOLE   3,522 0 3,724
ISHARES TR NATIONAL MUN ETF 464288414   544,007 5,105 SH   SOLE   5,105 0 0
SELECT SECTOR SPDR TR RL EST SEL SEC ETF 81369Y860   799,160 20,741 SH   SOLE   12,999 0 7,742
APPLE INC COM 037833100   810,011 4,268 SH   SOLE   308 0 3,960
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   911,408 25,303 SH   SOLE   14,441 0 10,862
SELECT SECTOR SPDR TR SBI CONS STPLS ETF 81369Y308   1,020,833 13,847 SH   SOLE   8,695 0 5,152
SELECT SECTOR SPDR TR SBI MATERIALS ETF 81369Y100   1,306,549 15,723 SH   SOLE   9,800 0 5,923
ISHARES TR MSCI USA QLT FCT ETF 46432F339   1,812,708 13,340 SH   SOLE   7,413 0 5,927
SELECT SECTOR SPDR TR ENERGY ETF 81369Y506   2,165,896 25,791 SH   SOLE   16,019 0 9,772
SPDR SER TR PORTFOLI S&P1500 ETF 78464A805   2,274,728 41,472 SH   SOLE   5,034 0 36,438
ISHARES TR 0-3 MNTH TREASRY ETF 46436E718   2,452,448 24,437 SH   SOLE   22,821 0 1,616
SELECT SECTOR SPDR TR SBI CONS DISCR ETF 81369Y407   3,105,954 17,969 SH   SOLE   11,238 0 6,731
SELECT SECTOR SPDR TR SBI HEALTHCARE ETF 81369Y209   3,339,872 25,751 SH   SOLE   16,177 0 9,574
SELECT SECTOR SPDR TR SBI INT-INDS ETF 81369Y704   3,425,098 31,484 SH   SOLE   19,789 0 11,695
SELECT SECTOR SPDR TR COMMUNICATION ETF 81369Y852   3,476,346 52,033 SH   SOLE   32,719 0 19,314
ISHARES TR RUSSELL 3000 ETF 464287689   3,937,315 15,337 SH   SOLE   0 0 15,337
SELECT SECTOR SPDR TR FINANCIAL ETF 81369Y605   4,448,597 129,470 SH   SOLE   80,965 0 48,505
SPDR SER TR PRTFLO S&P500 GW ETF 78464A409   5,166,302 84,833 SH   SOLE   11,155 0 73,678
SPDR SER TR PORTFOLIO S&P600 ETF 78468R853   5,494,902 138,585 SH   SOLE   136,773 0 1,812
ISHARES TR CORE S&P500 ETF 464287200   5,548,362 12,377 SH   SOLE   6,776 0 5,601
SELECT SECTOR SPDR TR TECHNOLOGY ETF 81369Y803   16,706,813 96,027 SH   SOLE   60,366 0 35,661
ISHARES TR CORE US AGGBD ETF 464287226   23,022,118 235,400 SH   SOLE   82,698 0 152,702