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
ABBOTT LABS COM 002824100 381 3,218 SH   SOLE 0 0 0 3,218
ABBVIE INC COM 00287Y109 300 1,854 SH   SOLE 0 0 0 1,854
APPLE INC COM 037833100 866 4,960 SH   SOLE 0 0 0 4,960
DBX ETF TR XTRACK USD HIGH 233051432 8,686 230,266 SH   SOLE 0 0 0 230,266
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354 264 3,940 SH   SOLE 0 0 0 3,940
INVESCO EXCH TRADED FD TR II GBL SRT TRM HY 46138E669 14,669 735,654 SH   SOLE 0 0 0 735,654
ISHARES INC MSCI CHILE ETF 464286640 7,017 241,370 SH   SOLE 0 0 0 241,370
ISHARES INC MSCI SPAIN ETF 464286764 6,096 239,426 SH   SOLE 0 0 0 239,426
ISHARES INC MSCI TURKEY ETF 464286715 6,411 309,707 SH   SOLE 0 0 0 309,707
ISHARES INC MSCI MLY ETF NEW 46434G814 6,512 254,273 SH   SOLE 0 0 0 254,273
ISHARES TR CORE S&P SCP ETF 464287804 13,832 128,214 SH   SOLE 0 0 0 128,214
ISHARES TR CORE S&P TTL STK 464287150 2,070 20,507 SH   SOLE 0 0 0 20,507
ISHARES TR CORE S&P MCP ETF 464287507 13,926 51,895 SH   SOLE 0 0 0 51,895
ISHARES TR S&P 500 GRWT ETF 464287309 283 3,707 SH   SOLE 0 0 0 3,707
ISHARES TR S&P 500 VAL ETF 464287408 500 3,211 SH   SOLE 0 0 0 3,211
JPMORGAN CHASE & CO COM 46625H100 844 6,194 SH   SOLE 0 0 0 6,194
MICROSOFT CORP COM 594918104 212 688 SH   SOLE 0 0 0 688
NATIONAL FUEL GAS CO COM 636180101 209 3,045 SH   SOLE 0 0 0 3,045
NVIDIA CORPORATION COM 67066G104 943 3,457 SH   SOLE 0 0 0 3,457
PENTAIR PLC SHS G7S00T104 239 4,403 SH   SOLE 0 0 0 4,403
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 474 12,908 SH   SOLE 0 0 0 12,908
SELECT SECTOR SPDR TR ENERGY 81369Y506 7,420 97,069 SH   SOLE 0 0 0 97,069
SPDR SER TR PRTFLO S&P500 GW 78464A409 21,528 325,153 SH   SOLE 0 0 0 325,153
SPDR SER TR PORTFOLIO SHORT 78464A474 650 21,571 SH   SOLE 0 0 0 21,571
SPDR SER TR PRTFLO S&P500 VL 78464A508 36,816 881,816 SH   SOLE 0 0 0 881,816
VANECK VECTORS ETF TR JP MORGAN MKTS 92189H300 6,953 257,610 SH   SOLE 0 0 0 257,610
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 216 2,718 SH   SOLE 0 0 0 2,718
VANGUARD INDEX FDS TOTAL STK MKT 922908769 536 2,354 SH   SOLE 0 0 0 2,354
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 14,942 323,912 SH   SOLE 0 0 0 323,912
VANGUARD SCOTTSDALE FDS MORTG-BACK SEC 92206C771 42,276 843,833 SH   SOLE 0 0 0 843,833
VANGUARD STAR FDS VG TL INTL STK F 921909768 381 6,377 SH   SOLE 0 0 0 6,377
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 36,541 760,795 SH   SOLE 0 0 0 760,795