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 349 3,212 SH   SOLE 0 0 0 3,212
ABBVIE INC COM 00287Y109 285 1,859 SH   SOLE 0 0 0 1,859
APPLE INC COM 037833100 525 3,837 SH   SOLE 0 0 0 3,837
DBX ETF TR XTRACK USD HIGH 233051432 8,057 238,876 SH   SOLE 0 0 0 238,876
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354 232 3,749 SH   SOLE 0 0 0 3,749
INVESCO EXCH TRADED FD TR II GBL SRT TRM HY 46138E669 14,627 759,072 SH   SOLE 0 0 0 759,072
ISHARES INC MSCI BRAZIL ETF 464286400 4,853 177,197 SH   SOLE 0 0 0 177,197
ISHARES INC MSCI CHILE ETF 464286640 6,080 252,587 SH   SOLE 0 0 0 252,587
ISHARES INC MSCI SPAIN ETF 464286764 5,792 248,373 SH   SOLE 0 0 0 248,373
ISHARES INC MSCI MLY ETF NEW 46434G814 5,800 264,221 SH   SOLE 0 0 0 264,221
ISHARES TR CORE S&P SCP ETF 464287804 12,242 132,477 SH   SOLE 0 0 0 132,477
ISHARES TR CORE S&P TTL STK 464287150 1,774 21,176 SH   SOLE 0 0 0 21,176
ISHARES TR S&P 500 VAL ETF 464287408 720 5,241 SH   SOLE 0 0 0 5,241
ISHARES TR S&P 500 GRWT ETF 464287309 405 6,712 SH   SOLE 0 0 0 6,712
ISHARES TR CORE S&P MCP ETF 464287507 12,095 53,465 SH   SOLE 0 0 0 53,465
JPMORGAN CHASE & CO COM 46625H100 671 5,960 SH   SOLE 0 0 0 5,960
MICROSOFT CORP COM 594918104 258 1,004 SH   SOLE 0 0 0 1,004
NATIONAL FUEL GAS CO COM 636180101 201 3,045 SH   SOLE 0 0 0 3,045
NVIDIA CORPORATION COM 67066G104 263 1,735 SH   SOLE 0 0 0 1,735
PENTAIR PLC SHS G7S00T104 202 4,403 SH   SOLE 0 0 0 4,403
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 598 19,028 SH   SOLE 0 0 0 19,028
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 269 10,598 SH   SOLE 0 0 0 10,598
SELECT SECTOR SPDR TR ENERGY 81369Y506 6,870 96,070 SH   SOLE 0 0 0 96,070
SPDR SER TR PRTFLO S&P500 GW 78464A409 17,743 339,380 SH   SOLE 0 0 0 339,380
SPDR SER TR PRTFLO S&P500 VL 78464A508 33,256 903,215 SH   SOLE 0 0 0 903,215
SPDR SER TR BLOOMBERG 1-3 MO 78468R663 390 4,263 SH   SOLE 0 0 0 4,263
SPDR SER TR PORTFOLIO SHORT 78464A474 12,313 414,177 SH   SOLE 0 0 0 414,177
VANECK ETF TRUST GOLD MINERS ETF 92189F106 4,827 176,303 SH   SOLE 0 0 0 176,303
VANECK ETF TRUST JP MRGAN EM LOC 92189H300 6,552 267,659 SH   SOLE 0 0 0 267,659
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 206 2,735 SH   SOLE 0 0 0 2,735
VANGUARD INDEX FDS TOTAL STK MKT 922908769 446 2,365 SH   SOLE 0 0 0 2,365
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 13,946 334,830 SH   SOLE 0 0 0 334,830
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 9,698 164,760 SH   SOLE 0 0 0 164,760
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771 20,504 428,872 SH   SOLE 0 0 0 428,872
VANGUARD STAR FDS VG TL INTL STK F 921909768 333 6,448 SH   SOLE 0 0 0 6,448
VANGUARD TAX-MANAGED INTL FD VAN FTSE DEV MKT 921943858 27,694 678,785 SH   SOLE 0 0 0 678,785