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
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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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ARES CAPITAL CORP COM 04010L103 235 16,830 SH   SOLE   0 0 16,830
INVESCO QQQ TR UNIT SER 1 46090E103 7,938 28,572 SH   SOLE   0 0 28,572
ISHARES INC CORE MSCI EMKT 46434G103 5,134 97,235 SH   SOLE   0 0 97,235
ISHARES TR IBOXX INV CP ETF 464287242 564 4,190 SH   SOLE   0 0 4,190
ISHARES TR MSCI USA MMENTM 46432F396 11,780 79,920 SH   SOLE   0 0 79,920
ISHARES TR S&P 500 GRWT ETF 464287309 9,123 39,481 SH   SOLE   0 0 39,481
ISHARES TR CORE S&P MCP ETF 464287507 321 1,732 SH   SOLE   0 0 1,732
ISHARES TR CORE US AGGBD ET 464287226 33,660 285,106 SH   SOLE   0 0 285,106
ISHARES TR MSCI USA MIN VOL 46429B697 10,826 169,877 SH   SOLE   0 0 169,877
ISHARES TR CORE MSCI EAFE 46432F842 6,912 114,663 SH   SOLE   0 0 114,663
ISHARES TR CORE S&P500 ETF 464287200 1,412 4,202 SH   SOLE   0 0 4,202
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 465 4,561 SH   SOLE   0 0 4,561
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 550 6,620 SH   SOLE   0 0 6,620
VANGUARD INDEX FDS TOTAL STK MKT 922908769 289 1,695 SH   SOLE   0 0 1,695
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 6,803 86,164 SH   SOLE   0 0 86,164
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 17,809 214,957 SH   SOLE   0 0 214,957
VANGUARD WORLD FDS CONSUM DIS ETF 92204A108 6,961 29,669 SH   SOLE   0 0 29,669
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504 6,332 31,037 SH   SOLE   0 0 31,037