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 309 3,193 SH   SOLE 0 0 0 3,193
ABBVIE INC COM 00287Y109 248 1,847 SH   SOLE 0 0 0 1,847
APPLE INC COM 037833100 493 3,569 SH   SOLE 0 0 0 3,569
DBX ETF TR XTRACK USD HIGH 233051432 8,291 253,227 SH   SOLE 0 0 0 253,227
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354 216 3,733 SH   SOLE 0 0 0 3,733
INVESCO EXCH TRADED FD TR II GBL SRT TRM HY 46138E669 14,580 769,583 SH   SOLE 0 0 0 769,583
ISHARES INC MSCI CHILE ETF 464286640 6,120 255,013 SH   SOLE 0 0 0 255,013
ISHARES INC MSCI MLY ETF NEW 46434G814 5,489 271,872 SH   SOLE 0 0 0 271,872
ISHARES INC MSCI BRAZIL ETF 464286400 5,458 184,202 SH   SOLE 0 0 0 184,202
ISHARES INC MSCI SPAIN ETF 464286764 5,103 257,448 SH   SOLE 0 0 0 257,448
ISHARES TR CORE S&P MCP ETF 464287507 11,905 54,298 SH   SOLE 0 0 0 54,298
ISHARES TR CORE S&P SCP ETF 464287804 11,762 134,898 SH   SOLE 0 0 0 134,898
ISHARES TR S&P 500 VAL ETF 464287408 953 7,412 SH   SOLE 0 0 0 7,412
ISHARES TR S&P 500 GRWT ETF 464287309 576 9,960 SH   SOLE 0 0 0 9,960
ISHARES TR 1 3 YR TREAS BD 464287457 466 5,741 SH   SOLE 0 0 0 5,741
ISHARES TR CORE S&P TTL STK 464287150 1,586 19,938 SH   SOLE 0 0 0 19,938
JPMORGAN CHASE & CO COM 46625H100 599 5,728 SH   SOLE 0 0 0 5,728
MICROSOFT CORP COM 594918104 231 992 SH   SOLE 0 0 0 992
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 791 28,117 SH   SOLE 0 0 0 28,117
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 351 15,687 SH   SOLE 0 0 0 15,687
SELECT SECTOR SPDR TR ENERGY 81369Y506 6,951 96,512 SH   SOLE 0 0 0 96,512
SPDR SER TR PRTFLO S&P500 VL 78464A508 31,496 913,187 SH   SOLE 0 0 0 913,187
SPDR SER TR PRTFLO S&P500 GW 78464A409 17,554 350,381 SH   SOLE 0 0 0 350,381
SPDR SER TR PORTFOLIO SHORT 78464A474 11,942 408,676 SH   SOLE 0 0 0 408,676
VANECK ETF TRUST JP MRGAN EM LOC 92189H300 6,664 292,279 SH   SOLE 0 0 0 292,279
VANECK ETF TRUST GOLD MINERS ETF 92189F106 4,706 195,091 SH   SOLE 0 0 0 195,091
VANGUARD INDEX FDS TOTAL STK MKT 922908769 427 2,382 SH   SOLE 0 0 0 2,382
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 12,414 340,216 SH   SOLE 0 0 0 340,216
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 9,654 167,055 SH   SOLE 0 0 0 167,055
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771 18,810 417,173 SH   SOLE 0 0 0 417,173
VANGUARD STAR FDS VG TL INTL STK F 921909768 297 6,487 SH   SOLE 0 0 0 6,487
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 25,675 706,125 SH   SOLE 0 0 0 706,125