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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
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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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ABBVIE INC COM 00287Y109   371,248 2,329 SH   SOLE 0 0 0 2,329
APPLE INC COM 037833100   574,111 3,482 SH   SOLE 0 0 0 3,482
CHEVRON CORP NEW COM 166764100   204,592 1,254 SH   SOLE 0 0 0 1,254
DBX ETF TR XTRACK USD HIGH 233051432   934,146 26,882 SH   SOLE 0 0 0 26,882
GOLDMAN SACHS ETF TR ACCES TREASURY 381430529   17,574,270 175,497 SH   SOLE 0 0 0 175,497
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354   223,744 3,586 SH   SOLE 0 0 0 3,586
INVESCO EXCH TRADED FD TR II GBL SRT TRM HY 46138E669   10,653,528 554,006 SH   SOLE 0 0 0 554,006
ISHARES INC MSCI CHILE ETF 464286640   7,417,371 257,727 SH   SOLE 0 0 0 257,727
ISHARES INC MSCI BRAZIL ETF 464286400   5,717,898 208,835 SH   SOLE 0 0 0 208,835
ISHARES INC MSCI MLY ETF NEW 46434G814   6,366,088 287,149 SH   SOLE 0 0 0 287,149
ISHARES INC JP MORGAN EM ETF 464286517   211,577 5,869 SH   SOLE 0 0 0 5,869
ISHARES INC MSCI SPAIN ETF 464286764   7,325,257 262,837 SH   SOLE 0 0 0 262,837
ISHARES TR CORE S&P TTL STK 464287150   1,668,723 18,429 SH   SOLE 0 0 0 18,429
ISHARES TR CORE S&P SCP ETF 464287804   13,233,350 136,850 SH   SOLE 0 0 0 136,850
ISHARES TR 1 3 YR TREAS BD 464287457   540,830 6,583 SH   SOLE 0 0 0 6,583
ISHARES TR NATIONAL MUN ETF 464288414   266,010 2,469 SH   SOLE 0 0 0 2,469
ISHARES TR S&P 500 GRWT ETF 464287309   1,481,164 23,183 SH   SOLE 0 0 0 23,183
ISHARES TR CORE S&P MCP ETF 464287507   13,888,918 55,520 SH   SOLE 0 0 0 55,520
ISHARES TR S&P 500 VAL ETF 464287408   987,243 6,505 SH   SOLE 0 0 0 6,505
JPMORGAN CHASE & CO COM 46625H100   741,643 5,691 SH   SOLE 0 0 0 5,691
MERCK & CO INC COM 58933Y105   215,228 2,023 SH   SOLE 0 0 0 2,023
MICROSOFT CORP COM 594918104   769,695 2,670 SH   SOLE 0 0 0 2,670
PAVMED INC COM 70387R106   4,150 11,111 SH   SOLE 0 0 0 11,111
PENTAIR PLC SHS G7S00T104   231,740 4,193 SH   SOLE 0 0 0 4,193
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   1,020,473 41,618 SH   SOLE 0 0 0 41,618
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   1,789,346 51,418 SH   SOLE 0 0 0 51,418
SELECT SECTOR SPDR TR ENERGY 81369Y506   7,626,223 92,071 SH   SOLE 0 0 0 92,071
SPDR SER TR PRTFLO S&P500 GW 78464A409   22,017,379 397,713 SH   SOLE 0 0 0 397,713
SPDR SER TR PORTFOLIO SHORT 78464A474   12,614,433 425,732 SH   SOLE 0 0 0 425,732
SPDR SER TR PRTFLO S&P500 VL 78464A508   37,909,664 930,984 SH   SOLE 0 0 0 930,984
VANECK ETF TRUST GOLD MINERS ETF 92189F106   6,730,306 208,047 SH   SOLE 0 0 0 208,047
VANECK ETF TRUST JP MRGAN EM LOC 92189H300   7,865,413 311,502 SH   SOLE 0 0 0 311,502
VANGUARD ADMIRAL FDS INC SMLLCP 600 IDX 921932828   361,375 4,070 SH   SOLE 0 0 0 4,070
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   203,318 2,754 SH   SOLE 0 0 0 2,754
VANGUARD INDEX FDS TOTAL STK MKT 922908769   491,741 2,409 SH   SOLE 0 0 0 2,409
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   14,367,895 355,641 SH   SOLE 0 0 0 355,641
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706   1,510,752 25,196 SH   SOLE 0 0 0 25,196
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771   13,877,024 298,110 SH   SOLE 0 0 0 298,110
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   10,528,406 179,850 SH   SOLE 0 0 0 179,850
VANGUARD STAR FDS VG TL INTL STK F 921909768   366,820 6,644 SH   SOLE 0 0 0 6,644
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   32,870,176 727,699 SH   SOLE 0 0 0 727,699
WENDYS CO COM 95058W100   226,599 10,404 SH   SOLE 0 0 0 10,404