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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
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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
ALPHABET INC CAP STK CL A 02079K305   4,082,488 34,106 SH   SOLE   34,106 0 0
AMAZON COM INC COM 023135106   4,266,944 32,732 SH   SOLE   32,732 0 0
APPLE INC COM 037833100   5,137,877 26,488 SH   SOLE   26,488 0 0
BOEING CO COM 097023105   215,383 1,020 SH   SOLE   1,020 0 0
ISHARES TR IBOXX HI YD ETF 464288513   3,774,520 50,280 SH   SOLE   50,280 0 0
MICROSOFT CORP COM 594918104   722,441 2,121 SH   SOLE   2,121 0 0
NVIDIA CORPORATION COM 67066G104   379,449 897 SH   SOLE   897 0 0
PIMCO ETF TR 1-5 US TIP IDX 72201R205   498,020 9,901 SH   SOLE   9,901 0 0
PIMCO ETF TR SHTRM MUN BD ACT 72201R874   8,676,963 175,186 SH   SOLE   175,186 0 0
PIMCO ETF TR INTER MUN BD ACT 72201R866   3,433,156 66,226 SH   SOLE   66,226 0 0
PIMCO ETF TR MUNI INCOME OPP 72201R635   616,379 13,831 SH   SOLE   13,831 0 0
PIMCO ETF TR 0-5 HIGH YIELD 72201R783   492,517 5,401 SH   SOLE   5,401 0 0
PIMCO ETF TR ACTIVE BD ETF 72201R775   1,575,681 17,198 SH   SOLE   17,198 0 0
PIMCO ETF TR INV GRD CRP BD 72201R817   213,128 2,247 SH   SOLE   2,247 0 0
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704   3,136,320 29,224 SH   SOLE   29,224 0 0
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308   2,699,491 36,396 SH   SOLE   36,396 0 0
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   2,816,000 21,216 SH   SOLE   21,216 0 0
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407   3,131,636 18,442 SH   SOLE   18,442 0 0
SELECT SECTOR SPDR TR RL EST SEL SEC 81369Y860   2,575,885 68,344 SH   SOLE   68,344 0 0
SPDR SER TR NUVEEN BLOOMBERG 78464A284   554,322 22,164 SH   SOLE   22,164 0 0
SPDR SER TR BLOOMBERG SHT TE 78468R408   14,293,767 578,695 SH   SOLE   578,695 0 0
TESLA INC COM 88160R101   6,019,663 22,996 SH   SOLE   22,996 0 0
THOR LOW VOLATILITY ETF LOW VOLATILITY 885155101   15,038,222 593,657 SH   SOLE   593,657 0 0
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   8,123,851 107,501 SH   SOLE   107,501 0 0
VANGUARD BD INDEX FDS INTERMED TERM 921937819   11,372,594 151,171 SH   SOLE   151,171 0 0
VANGUARD BD INDEX FDS LONG TERM BOND 921937793   4,665,343 62,271 SH   SOLE   62,271 0 0
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   3,743,573 76,587 SH   SOLE   76,587 0 0
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   1,870,103 39,437 SH   SOLE   39,437 0 0
VANGUARD WHITEHALL FDS EM MK GOV BD ETF 921946885   1,891,327 30,373 SH   SOLE   30,373 0 0