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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
FIDELITY COVINGTON TRUST MSCI HLTH CARE I 316092600   2,647,109 41,374 SH   SOLE   41,374 0 0
FIDELITY COVINGTON TRUST CONSMR STAPLES 316092303   26,483,830 591,025 SH   SOLE   591,025 0 0
FRANKLIN TEMPLETON ETF TR FTSE EUROPE 35473P652   507,855 21,132 SH   SOLE   21,132 0 0
FRANKLIN TEMPLETON ETF TR FTSE JAPAN HDG 35473P637   10,409,475 428,481 SH   SOLE   428,481 0 0
INVESCO ACTIVELY MANAGED ETF ULTRA SHRT DUR 46090A887   3,433,266 69,415 SH   SOLE   69,415 0 0
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354   4,114,521 64,390 SH   SOLE   64,390 0 0
INVESCO EXCHANGE TRADED FD T S&P500 PUR VAL 46137V258   1,985,527 25,462 SH   SOLE   25,462 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   286,738 2,030 SH   SOLE   2,030 0 0
INVESCO EXCHANGE TRADED FD T S&P500 QUALITY 46137V241   358,688 8,152 SH   SOLE   8,152 0 0
ISHARES TR MSCI USA MIN VOL 46429B697   41,972,294 582,140 SH   SOLE   582,140 0 0
ISHARES TR MSCI USA QLT FCT 46432F339   1,837,377 16,123 SH   SOLE   16,123 0 0
ISHARES TR 1 3 YR TREAS BD 464287457   4,184,557 51,553 SH   SOLE   51,553 0 0
ISHARES TR FLTG RATE NT ETF 46429B655   47,941,492 952,543 SH   SOLE   952,543 0 0
ISHARES TR CONSER ALLOC ETF 464289883   325,849 9,695 SH   SOLE   9,695 0 0
ISHARES TR TRS FLT RT BD 46434V860   47,502,504 942,323 SH   SOLE   942,323 0 0
ISHARES TR BLACKROCK ULTRA 46434V878   3,459,515 69,135 SH   SOLE   69,135 0 0
ISHARES TR CORE US AGGBD ET 464287226   641,395 6,613 SH   SOLE   6,613 0 0
ISHARES TR CORE MSCI EAFE 46432F842   555,438 9,011 SH   SOLE   9,011 0 0
ISHARES TR RUS MDCP VAL ETF 464287473   31,928,554 303,100 SH   SOLE   303,100 0 0
ISHARES TR CORE S&P500 ETF 464287200   1,027,762 2,675 SH   SOLE   2,675 0 0
ISHARES TR US INFRASTRUC 46435U713   18,866,187 520,303 SH   SOLE   520,303 0 0
ISHARES TR 0-5YR INVT GR CP 46434V100   88,491,855 1,848,973 SH   SOLE   1,848,973 0 0
ISHARES TR MSCI INTL QUALTY 46434V456   786,591 24,285 SH   SOLE   24,285 0 0
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   3,453,406 68,889 SH   SOLE   68,889 0 0
LISTED FD TR OVERLAY 53656F581   34,316,336 1,376,811 SH   SOLE   1,376,811 0 0
LISTED FD TR SHARES LAG CAP 53656F805   78,604,340 2,578,341 SH   SOLE   2,578,341 0 0
PIMCO ETF TR SR LN ACTIVE ETF 72201R627   43,383,834 889,377 SH   SOLE   889,377 0 0
PIMCO ETF TR ENHAN SHRT MA AC 72201R833   3,432,231 34,792 SH   SOLE   34,792 0 0
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   52,745,121 388,260 SH   SOLE   388,260 0 0
SPDR INDEX SHS FDS S&P NORTH AMER 78463X152   18,115,944 334,119 SH   SOLE   334,119 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   634,451 1,659 SH   SOLE   1,659 0 0
SPDR SER TR PORTFOLIO SH TSR 78468R101   529,669 18,334 SH   SOLE   18,334 0 0
SPDR SER TR PORTFOLIO AGRGTE 78464A649   342,145 13,615 SH   SOLE   13,615 0 0
SPDR SER TR PORTFOLI S&P1500 78464A805   2,559,051 54,114 SH   SOLE   54,114 0 0
SPDR SER TR BLOOMBERG 1-3 MO 78468R663   303,680 3,320 SH   SOLE   3,320 0 0
SPDR SER TR PORTFOLIO SHORT 78464A474   88,470,532 3,011,250 SH   SOLE   3,011,250 0 0
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538   15,019,667 83,554 SH   SOLE   83,554 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   73,435,330 209,015 SH   SOLE   209,015 0 0
VANGUARD SCOTTSDALE FDS VNG RUS1000VAL 92206C714   1,988,478 29,866 SH   SOLE   29,866 0 0