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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ALPHABET INC CAP STK CL A 02079K305   297,176 1,624 SH   SOLE   0 0 1,624
APPLE INC COM 037833100   1,088,801 5,023 SH   SOLE   0 0 5,023
COLUMBIA ETF TR II EM CORE EX ETF 19762B202   1,115,010 34,931 SH   SOLE   0 0 34,931
INVESCO QQQ TR UNIT SER 1 46090E103   1,231,563 2,556 SH   SOLE   0 0 2,556
ISHARES INC MSCI WORLD ETF 464286392   2,445,664 16,546 SH   SOLE   0 0 16,546
ISHARES INC EMNG MKTS EQT 46434G889   210,600 4,500 SH   SOLE   0 0 4,500
ISHARES TR MSCI USA QLT FCT 46432F339   1,969,867 11,558 SH   SOLE   0 0 11,558
ISHARES TR RUSSELL 3000 ETF 464287689   6,328,076 20,461 SH   SOLE   0 0 20,461
ISHARES TR 10-20 YR TRS ETF 464288653   1,435,714 14,250 SH   SOLE   0 0 14,250
ISHARES TR RUS 1000 GRW ETF 464287614   37,364,367 101,553 SH   SOLE   0 0 101,553
ISHARES TR MORNINGSTAR VALU 464288109   4,415,892 57,997 SH   SOLE   0 0 57,997
ISHARES TR S&P 100 ETF 464287101   216,016 812 SH   SOLE   0 0 812
ISHARES TR 0-3 MNTH TREASRY 46436E718   1,043,483 10,403 SH   SOLE   0 0 10,403
ISHARES TR BROAD USD HIGH 46435U853   392,693 10,890 SH   SOLE   0 0 10,890
ISHARES TR MSCI USA MIN VOL 46429B697   7,645,269 91,276 SH   SOLE   0 0 91,276
ISHARES TR CORE US AGGBD ET 464287226   17,431,218 181,104 SH   SOLE   0 0 181,104
ISHARES TR CORE TOTAL USD 46434V613   3,359,336 74,935 SH   SOLE   0 0 74,935
ISHARES TR IBOXX HI YD ETF 464288513   1,878,851 24,490 SH   SOLE   0 0 24,490
ISHARES TR US HLTHCARE ETF 464287762   3,453,708 56,655 SH   SOLE   0 0 56,655
ISHARES TR 20 YR TR BD ETF 464287432   3,312,761 36,845 SH   SOLE   0 0 36,845
NVIDIA CORPORATION COM 67066G104   215,661 1,735 SH   SOLE   0 0 1,735
PIMCO ETF TR ACTIVE BD ETF 72201R775   11,667,635 129,626 SH   SOLE   0 0 129,626
VANGUARD WORLD FD MEGA CAP VAL ETF 921910840   17,079,342 144,532 SH   SOLE   0 0 144,532
VANGUARD WORLD FD MEGA GRWTH IND 921910816   2,828,303 8,925 SH   SOLE   0 0 8,925
VANGUARD WORLD FD INF TECH ETF 92204A702   6,119,742 10,511 SH   SOLE   0 0 10,511