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
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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
ANNALY CAPITAL MANAGEMENT IN COM NEW 035710839   265,852 14,134 SH   SOLE 0 0 0 14,134
APOLLO COML REAL EST FIN INC COM 03762U105   358,305 33,644 SH   SOLE 0 0 0 33,644
APPLE INC COM 037833100   460,347 2,444 SH   SOLE 0 0 0 2,444
ARBOR REALTY TRUST INC COM 038923108   266,660 22,002 SH   SOLE 0 0 0 22,002
CHEVRON CORP NEW COM 166764100   241,961 1,571 SH   SOLE 0 0 0 1,571
COSTCO WHSL CORP NEW COM 22160K105   309,666 428 SH   SOLE 0 0 0 428
DIVERSIFIED HEALTHCARE TR COM SH BEN INT 25525P107   185,892 70,681 SH   SOLE 0 0 0 70,681
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613   3,341,729 92,826 SH   SOLE 0 0 0 92,826
INVESCO EXCHANGE TRADED FD T INTL DIVI ACHI 46137V548   1,098,430 61,468 SH   SOLE 0 0 0 61,468
INVESCO EXCHANGE TRADED FD T BUYBACK ACHIEV 46137V308   1,263,311 12,589 SH   SOLE 0 0 0 12,589
INVESCO QQQ TR UNIT SER 1 46090E103   529,751 1,224 SH   SOLE 0 0 0 1,224
IRON MTN INC DEL COM 46284V101   596,279 8,697 SH   SOLE 0 0 0 8,697
ISHARES TR RUS 1000 ETF 464287622   3,027,352 11,037 SH   SOLE 0 0 0 11,037
ISHARES TR MSCI UK ETF NEW 46435G334   320,539 9,918 SH   SOLE 0 0 0 9,918
ISHARES TR ISHS 1-5YR INVS 464288646   2,303,662 45,055 SH   SOLE 0 0 0 45,055
ISHARES TR EAFE VALUE ETF 464288877   458,365 9,003 SH   SOLE 0 0 0 9,003
ISHARES TR TIPS BD ETF 464287176   8,503,021 79,856 SH   SOLE 0 0 0 79,856
ISHARES TR US HOME CONS ETF 464288752   1,045,022 10,136 SH   SOLE 0 0 0 10,136
ISHARES TR ISHS 5-10YR INVT 464288638   6,163,900 120,248 SH   SOLE 0 0 0 120,248
ISHARES TR RESIDENTIAL MULT 464288562   1,010,252 14,690 SH   SOLE 0 0 0 14,690
ISHARES TR 0-5 YR TIPS ETF 46429B747   1,822,707 18,484 SH   SOLE 0 0 0 18,484
ISHARES TR ROBOTICS ARTIF 46435U556   884,413 26,479 SH   SOLE 0 0 0 26,479
ISHARES TR SELF DRIVNG EV 46435U366   809,052 26,225 SH   SOLE 0 0 0 26,225
J P MORGAN EXCHANGE TRADED F BETABULDRS JAPAN 46641Q217   424,966 7,818 SH   SOLE 0 0 0 7,818
OFFICE PPTYS INCOME TR COM SHS BEN INT 67623C109   70,938 18,668 SH   SOLE 0 0 0 18,668
PACER FDS TR DATA AND INFRAST 69374H741   1,013,807 35,541 SH   SOLE 0 0 0 35,541
READY CAPITAL CORP COM 75574U101   161,462 18,183 SH   SOLE 0 0 0 18,183
SELECT SECTOR SPDR TR RL EST SEL SEC 81369Y860   1,001,270 26,136 SH   SOLE 0 0 0 26,136
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886   3,553,569 59,187 SH   SOLE 0 0 0 59,187
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100   4,262,637 51,382 SH   SOLE 0 0 0 51,382
SELECT SECTOR SPDR TR ENERGY 81369Y506   4,174,047 49,333 SH   SOLE 0 0 0 49,333
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   1,279,960 32,845 SH   SOLE 0 0 0 32,845
SELECT SECTOR SPDR TR INDL 81369Y704   4,806,086 41,159 SH   SOLE 0 0 0 41,159
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   3,827,016 18,661 SH   SOLE 0 0 0 18,661
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308   5,340,472 72,374 SH   SOLE 0 0 0 72,374
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   5,119,001 35,519 SH   SOLE 0 0 0 35,519
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407   2,861,580 16,020 SH   SOLE 0 0 0 16,020
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109   279,667 722 SH   SOLE 0 0 0 722
SPDR SER TR S&P DIVID ETF 78464A763   1,104,320 8,956 SH   SOLE 0 0 0 8,956
SPDR SER TR BBG CONV SEC ETF 78464A359   31,571,763 439,412 SH   SOLE 0 0 0 439,412
VANECK ETF TRUST MORTGAGE REIT 92189F452   955,606 88,482 SH   SOLE 0 0 0 88,482
VANECK ETF TRUST JP MRGAN EM LOC 92189H300   322,796 13,048 SH   SOLE 0 0 0 13,048
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   2,354,882 30,703 SH   SOLE 0 0 0 30,703
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   1,714,100 23,667 SH   SOLE 0 0 0 23,667
VANGUARD BD INDEX FDS LONG TERM BOND 921937793   7,462,795 103,982 SH   SOLE 0 0 0 103,982
VANGUARD INDEX FDS VALUE ETF 922908744   463,737 3,042 SH   SOLE 0 0 0 3,042
VANGUARD INDEX FDS MID CAP ETF 922908629   520,934 2,228 SH   SOLE 0 0 0 2,228
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   1,020,746 12,116 SH   SOLE 0 0 0 12,116
VANGUARD INDEX FDS TOTAL STK MKT 922908769   2,063,176 8,340 SH   SOLE 0 0 0 8,340
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   302,326 660 SH   SOLE 0 0 0 660
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   217,789 5,381 SH   SOLE 0 0 0 5,381
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   1,851,713 38,983 SH   SOLE 0 0 0 38,983
VANGUARD SCOTTSDALE FDS LG-TERM COR BD 92206C813   7,297,334 94,147 SH   SOLE 0 0 0 94,147
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706   427,310 7,288 SH   SOLE 0 0 0 7,288
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771   335,124 7,370 SH   SOLE 0 0 0 7,370
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   544,459 11,470 SH   SOLE 0 0 0 11,470
VANGUARD WORLD FD EXTENDED DUR 921910709   14,330,395 189,882 SH   SOLE 0 0 0 189,882
VANGUARD WORLD FDS FINANCIALS ETF 92204A405   223,169 2,366 SH   SOLE 0 0 0 2,366
WISDOMTREE TR US LARGECAP DIVD 97717W307   4,964,790 72,883 SH   SOLE 0 0 0 72,883
WISDOMTREE TR US SMALLCAP DIVD 97717W604   4,927,420 159,981 SH   SOLE 0 0 0 159,981
WP CAREY INC COM 92936U109   337,060 5,494 SH   SOLE 0 0 0 5,494