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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
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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
CVS HEALTH CORP COM 126650100   629,210 6,752 SH   SOLE   6,752 0 0
EXXON MOBIL CORP COM 30231G102   722,389 6,549 SH   SOLE   6,549 0 0
FIRST TR EXCHANGE-TRADED FD SENIOR LN FD 33738D309   2,297,856 51,533 SH   SOLE   51,533 0 0
ISHARES INC MSCI EMERG MRKT 464286533   3,095,240 58,346 SH   SOLE   58,346 0 0
ISHARES TR EAFE VALUE ETF 464288877   3,963,210 86,382 SH   SOLE   86,382 0 0
ISHARES TR 0-5 YR TIPS ETF 46429B747   1,967,609 20,293 SH   SOLE   20,293 0 0
ISHARES TR US HLTHCARE ETF 464287762   4,449,424 15,683 SH   SOLE   15,683 0 0
ISHARES TR CORE S&P500 ETF 464287200   20,663,917 53,783 SH   SOLE   53,783 0 0
ISHARES TR 0-5YR HI YL CP 46434V407   4,864,270 118,960 SH   SOLE   118,960 0 0
ISHARES TR CORE S&P SCP ETF 464287804   1,332,074 14,075 SH   SOLE   14,075 0 0
ISHARES TR 0-3 MNTH TREASRY 46436E718   9,612,939 95,995 SH   SOLE   95,995 0 0
ISHARES TR U.S. ENERGY ETF 464287796   1,248,806 26,862 SH   SOLE   26,862 0 0
ISHARES TR SHRT NAT MUN ETF 464288158   8,603,392 82,511 SH   SOLE   82,511 0 0
ISHARES TR 1 3 YR TREAS BD 464287457   10,154,935 125,107 SH   SOLE   125,107 0 0
ISHARES TR FLTG RATE NT ETF 46429B655   8,218,587 163,294 SH   SOLE   163,294 0 0
ISHARES TR MSCI USA MMENTM 46432F396   7,379,242 50,567 SH   SOLE   50,567 0 0
ISHARES TR MSCI USA MIN VOL 46429B697   7,557,387 104,818 SH   SOLE   104,818 0 0
ISHARES TR 0-5YR INVT GR CP 46434V100   8,407,614 175,671 SH   SOLE   175,671 0 0
J P MORGAN EXCHANGE TRADED F ULTRA SHT MUNCPL 46641Q654   6,241,174 123,502 SH   SOLE   123,502 0 0
LITMAN GREGORY FDS TR IMGP DBI MANAGED 53700T827   2,162,640 74,292 SH   SOLE   74,292 0 0
LOCKHEED MARTIN CORP COM 539830109   991,953 2,039 SH   SOLE   2,039 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   313,174 4,773 SH   SOLE   4,773 0 0
SYSCO CORP COM 871829107   343,753 4,496 SH   SOLE   4,496 0 0