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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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
ARES CAPITAL CORP COM 04010L103 284 16,830 SH   SOLE   0 0 16,830
INVESCO QQQ TR UNIT SER 1 46090E103 8,744 27,870 SH   SOLE   0 0 27,870
ISHARES INC CORE MSCI EMKT 46434G103 5,815 93,735 SH   SOLE   0 0 93,735
ISHARES TR CORE MSCI EAFE 46432F842 7,688 111,281 SH   SOLE   0 0 111,281
ISHARES TR CORE S&P MCP ETF 464287507 384 1,670 SH   SOLE   0 0 1,670
ISHARES TR CORE S&P500 ETF 464287200 1,544 4,114 SH   SOLE   0 0 4,114
ISHARES TR CORE US AGGBD ET 464287226 33,071 279,813 SH   SOLE   0 0 279,813
ISHARES TR IBOXX INV CP ETF 464287242 560 4,051 SH   SOLE   0 0 4,051
ISHARES TR MSCI USA MIN VOL 46429B697 11,306 166,565 SH   SOLE   0 0 166,565
ISHARES TR MSCI USA MMENTM 46432F396 12,620 78,245 SH   SOLE   0 0 78,245
ISHARES TR S&P 500 GRWT ETF 464287309 9,731 152,482 SH   SOLE   0 0 152,482
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 436 4,272 SH   SOLE   0 0 4,272
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 514 6,201 SH   SOLE   0 0 6,201
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 7,182 84,565 SH   SOLE   0 0 84,565
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 17,368 208,620 SH   SOLE   0 0 208,620
VANGUARD WORLD FDS CONSUM DIS ETF 92204A108 7,815 28,398 SH   SOLE   0 0 28,398
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504 6,749 30,167 SH   SOLE   0 0 30,167