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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
iShares Core Conservative Allocation ETF CONSER ALLOC ETF 464289883 3,814 106,943 SH   SOLE   106,943 0 0
iShares Core Growth Allocation ETF GRWT ALLOCAT ETF 464289867 736 15,986 SH   SOLE   15,986 0 0
iShares Core US Aggregate Bond ETF CORE US AGGBD ET 464287226 21,280 188,038 SH   SOLE   188,038 0 0
iShares iBoxx $ High Yield Corp Bd ETF IBOXX HI YD ETF 464288513 1,441 16,526 SH   SOLE   16,526 0 0
iShares Russell 1000 Growth ETF RUS 1000 GRW ETF 464287614 49,847 312,263 SH   SOLE   312,263 0 0
iShares Russell 1000 Value ETF RUS 1000 VAL ETF 464287598 1,484 11,573 SH   SOLE   11,573 0 0
iShares Russell 2000 Growth ETF RUS 2000 GRW ETF 464287648 20 103 SH   SOLE   103 0 0
iShares Russell 2000 Value ETF RUS 2000 VAL ETF 464287630 17 141 SH   SOLE   141 0 0
iShares S&P 500 Growth ETF S&P 500 GRWT ETF 464287309 27,524 152,887 SH   SOLE   152,887 0 0
PIMCO Enhanced Short Maturity Active ETF ENHAN SHRT MA AC 72201R833 25,499 250,656 SH   SOLE   250,656 0 0
Invesco Fundamental Hi Yld Corp Bd ETF FNDMNTL HY CRP 46138E719 4,117 216,352 SH   SOLE   216,352 0 0
Invesco International Corporate Bond ETF INTL CORP BD 46138E636 540 20,618 SH   SOLE   20,618 0 0
Schwab International Equity ET INTL EQTY ETF 808524805 7,912 248,339 SH   SOLE   248,339 0 0
Schwab US Large-Cap ET US LRG CAP ETF 808524201 33,440 471,456 SH   SOLE   471,456 0 0
Schwab US Large-Cap Value ET US LCAP VA ETF 808524409 20,677 364,479 SH   SOLE   364,479 0 0
SPDR Portfolio S&P 500 Growth ETF PRTFLO S&P500 GW 78464A409 24,146 620,871 SH   SOLE   620,871 0 0
Vanguard High Dividend Yield ETF HIGH DIV YLD 921946406 20,145 227,034 SH   SOLE   227,034 0 0
Vanguard Real Estate ETF REAL ESTATE ETF 922908553 5,081 54,483 SH   SOLE   54,483 0 0
Vanguard Russell 1000 Growth ETF VNG RUS1000GRW 92206C680 3,551 21,632 SH   SOLE   21,632 0 0
Vanguard Total International Bond ETF INTL BD IDX ETF 92203J407 29,861 507,584 SH   SOLE   507,584 0 0
WisdomTree US LargeCap Dividend ETF US LARGECAP DIVD 97717W307 19,399 192,887 SH   SOLE   192,887 0 0
ISHARES INC MSCI EURZONE ETF 464286608 7,221 185,670 SH   SOLE   185,670 0 0
SPDR Series Trust PORTFOLIO SHORT 78464A474 3,047 98,782 SH   SOLE   98,782 0 0
First Trust Exchange-Traded Fund PFD SECS INC ETF 33739E108 6,089 311,474 SH   SOLE   311,474 0 0