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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
AMAZON COM INC COM 023135106 BBG001S5PQL7 286,217 2,771 SH   SOLE   2,771 0 0
APPLE INC COM 037833100 BBG001S5N8V8 1,439,082 8,727 SH   SOLE   8,727 0 0
FIDELITY COMWLTH TR NASDAQ COMPSIT 315912808 BBG001SBT983 12,641,758 263,645 SH   SOLE   263,645 0 0
FIDELITY COVINGTON TRUST INT HG DIV ETF 316092725 BBG00JRH23N7 7,261,876 383,301 SH   SOLE   383,301 0 0
GLOBAL X FDS US PFD ETF 37954Y657 BBG00HPF2LX6 6,884,663 346,660 SH   SOLE   346,660 0 0
INVESCO EXCH TRADED FD TR II S&P500 HDL VOL 46138E362 BBG003H4RBL9 8,052,577 190,774 SH   SOLE   190,774 0 0
INVESCO EXCH TRADED FD TR II TAXABLE MUN BD 46138G805 BBG001STKGB3 208,535 7,758 SH   SOLE   7,758 0 0
ISHARES INC JP MRG EM CRP BD 464286251 BBG002WGKJD6 2,848,323 65,388 SH   SOLE   65,388 0 0
ISHARES TR 0-5YR HI YL CP 46434V407 BBG005DW06B7 8,318,870 199,589 SH   SOLE   199,589 0 0
ISHARES TR BROAD USD HIGH 46435U853 BBG00J2DS0J6 6,022,772 169,417 SH   SOLE   169,417 0 0
ISHARES TR CORE S&P500 ETF 464287200 BBG001SFB7R6 236,782 576 SH   SOLE   576 0 0
MICROSOFT CORP COM 594918104 BBG001S5TD05 249,380 865 SH   SOLE   865 0 0
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 BBG001SRXRD7 4,979,395 145,895 SH   SOLE   145,895 0 0
SPDR SER TR BLOOMBERG EMG MK 78468R515 BBG00ZXP9R74 201,926 8,470 SH   SOLE   8,470 0 0
SPDR SER TR BLOOMBERG INVT 78468R200 BBG0029J2J00 271,649 8,927 SH   SOLE   8,927 0 0
SPDR SER TR PORTFOLIO CRPORT 78464A144 BBG001V10544 2,175,225 74,367 SH   SOLE   74,367 0 0
SSGA ACTIVE ETF TR ULT SHT TRM BD 78467V707 BBG005D236G5 22,182,178 551,110 SH   SOLE   551,110 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 BBG001SK7DK4 5,005,235 67,794 SH   SOLE   67,794 0 0
VANGUARD BD INDEX FDS VANGUARD ULTRA 92203C303 BBG00ZXBYMT4 6,482,495 131,651 SH   SOLE   131,651 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 BBG001SHVTS1 8,578,251 40,671 SH   SOLE   40,671 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 BBG001SMD2X3 5,848,412 70,429 SH   SOLE   70,429 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 BBG001TC6MC1 32,062,377 85,256 SH   SOLE   85,256 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 BBG001SHTTV0 9,758,911 51,482 SH   SOLE   51,482 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 BBG001SHTB03 26,198,604 128,362 SH   SOLE   128,362 0 0
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 BBG001T62M74 401,526 6,859 SH   SOLE   6,859 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 BBG001T62KZ7 486,424 6,381 SH   SOLE   6,381 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768 BBG001TJR1D8 13,411,523 242,918 SH   SOLE   242,918 0 0
VANGUARD WHITEHALL FDS EM MK GOV BD ETF 921946885 BBG004N1LYJ5 4,005,538 64,284 SH   SOLE   64,284 0 0
VANGUARD WORLD FD ESG US CORP BD 921910691 BBG00XGJM879 202,521 3,230 SH   SOLE   3,230 0 0
VANGUARD WORLD FD MEGA CAP INDEX 921910873 BBG001T0Y6Y7 2,777,981 19,407 SH   SOLE   19,407 0 0
VANGUARD WORLD FDS CONSUM STP ETF 92204A207 BBG001SHVR41 3,864,981 19,972 SH   SOLE   19,972 0 0
WISDOMTREE TR YIELD ENHANCD US 97717X511 BBG009KCY2C6 1,582,725 36,226 SH   SOLE   36,226 0 0