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
AMERICAN CENTY ETF TR US SML CP VALU 025072877 2,022 26,743 SH   SOLE   26,743 0 0
FRANKLIN TEMPLETON ETF TR FRANKLN SWZLND 35473P694 5,153 160,500 SH   SOLE   160,500 0 0
FRANKLIN TEMPLETON ETF TR FTSE AUSTRALIA 35473P843 1,614 55,200 SH   SOLE   55,200 0 0
FRANKLIN TEMPLETON ETF TR FTSE BRAZIL 35473P835 2,020 100,861 SH   SOLE   100,861 0 0
FRANKLIN TEMPLETON ETF TR FTSE CANADA 35473P827 2,024 62,324 SH   SOLE   62,324 0 0
FRANKLIN TEMPLETON ETF TR FTSE JAPAN ETF 35473P744 4,779 154,716 SH   SOLE   154,716 0 0
FRANKLIN TEMPLETON ETF TR FTSE SOUTH KOREA 35473P710 1,873 65,065 SH   SOLE   65,065 0 0
FRANKLIN TEMPLETON ETF TR FTSE TAIWAN 35473P686 2,975 68,085 SH   SOLE   68,085 0 0
INVESCO ACTIVLY MANGD ETC FD OPTIMUM YIELD 46090F100 859 40,795 SH   SOLE   40,795 0 0
ISHARES INC MSCI ITALY ETF 46434G830 1,197 37,820 SH   SOLE   37,820 0 0
ISHARES INC MSCI TAIWAN ETF 46434G772 4,153 66,966 SH   SOLE   66,966 0 0
ISHARES INC MSCI SWITZERLAND 464286749 5,179 111,178 SH   SOLE   111,178 0 0
ISHARES INC MSCI SWEDEN ETF 464286756 1,340 29,881 SH   SOLE   29,881 0 0
ISHARES INC MSCI STH KOR ETF 464286772 1,866 23,139 SH   SOLE   23,139 0 0
ISHARES INC MSCI NETHERL ETF 464286814 366 7,436 SH   SOLE   7,436 0 0
ISHARES INC MSCI MEXICO ETF 464286822 3,699 76,646 SH   SOLE   76,646 0 0
ISHARES INC MSCI JPN ETF NEW 46434G822 4,718 67,154 SH   SOLE   67,154 0 0
ISHARES INC MSCI FRONTIER 464286145 259 7,626 SH   SOLE   7,626 0 0
ISHARES INC MSCI HONG KG ETF 464286871 3,300 137,602 SH   SOLE   137,602 0 0
ISHARES INC MSCI GERMANY ETF 464286806 6,233 189,327 SH   SOLE   189,327 0 0
ISHARES INC MSCI FRANCE ETF 464286707 1,274 34,220 SH   SOLE   34,220 0 0
ISHARES INC MSCI CHILE ETF 464286640 674 25,937 SH   SOLE   25,937 0 0
ISHARES INC MSCI CDA ETF 464286509 1,997 55,000 SH   SOLE   55,000 0 0
ISHARES INC MSCI BRAZIL ETF 464286400 4,059 126,327 SH   SOLE   126,327 0 0
ISHARES INC MSCI AUST ETF 464286103 1,597 64,330 SH   SOLE   64,330 0 0
ISHARES INC CORE MSCI EMKT 46434G103 393 6,357 SH   SOLE   6,357 0 0
ISHARES TR CORE S&P SCP ETF 464287804 306 2,807 SH   SOLE   2,807 0 0
ISHARES TR TIPS BD ETF 464287176 2,888 22,617 SH   SOLE   22,617 0 0
ISHARES TR RUS 1000 VAL ETF 464287598 4,126 26,363 SH   SOLE   26,363 0 0
ISHARES TR NEW ZEALAND ETF 464289123 3,510 56,842 SH   SOLE   56,842 0 0
ISHARES TR MSCI INDIA ETF 46429B598 5,853 120,204 SH   SOLE   120,204 0 0
ISHARES TR CHINA LG-CAP ETF 464287184 8,039 206,507 SH   SOLE   206,507 0 0
ISHARES TR CORE S&P MCP ETF 464287507 434 1,649 SH   SOLE   1,649 0 0
ISHARES TR BARCLAYS 7 10 YR 464287440 3,392 29,436 SH   SOLE   29,436 0 0
ISHARES TR 20 YR TR BD ETF 464287432 988 6,849 SH   SOLE   6,849 0 0
ISHARES TR 1 3 YR TREAS BD 464287457 306 3,548 SH   SOLE   3,548 0 0
ISHARES TR CORE MSCI EAFE 46432F842 1,506 20,281 SH   SOLE   20,281 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870 484 7,740 SH   SOLE   7,740 0 0
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704 6,546 66,900 SH   SOLE   66,900 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 15,798 105,798 SH   SOLE   105,798 0 0
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886 2,973 46,536 SH   SOLE   46,536 0 0
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100 2,984 37,714 SH   SOLE   37,714 0 0
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 8,033 63,103 SH   SOLE   63,103 0 0
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 4,060 22,626 SH   SOLE   22,626 0 0
SELECT SECTOR SPDR TR FINANCIAL 81369Y605 10,819 288,278 SH   SOLE   288,278 0 0
SELECT SECTOR SPDR TR ENERGY 81369Y506 2,620 50,290 SH   SOLE   50,290 0 0
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852 10,371 129,456 SH   SOLE   129,456 0 0
SPDR INDEX SHS FDS S&P EMKTSC ETF 78463X756 2,136 36,421 SH   SOLE   36,421 0 0
SPDR SER TR SPDR BLOOMBERG 78468R663 384 4,200 SH   SOLE   4,200 0 0
SPDR SER TR PRTFLO S&P500 VL 78464A508 1,445 37,054 SH   SOLE   37,054 0 0
SPDR SER TR PORTFOLIO SH TSR 78468R101 587 19,159 SH   SOLE   19,159 0 0
VANECK ETF TRUST VANECK RUSSIA ET 92189F403 4,659 153,648 SH   SOLE   153,648 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 783 9,165 SH   SOLE   9,165 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 3,444 33,842 SH   SOLE   33,842 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 951 4,282 SH   SOLE   4,282 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 421 8,415 SH   SOLE   8,415 0 0
VANGUARD INTL EQUITY INDEX F FTSE PACIFIC ETF 922042866 489 6,033 SH   SOLE   6,033 0 0
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676 742 13,170 SH   SOLE   13,170 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 823 8,713 SH   SOLE   8,713 0 0