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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
JP MORGAN EXCHANGE TRADED FD COM 46641Q696 592 23,670 SH   SOLE   23,670 0 0
SPDR S&P 500 ETF TR COM 78462F103 117,233 395,030 SH   SOLE   395,030 0 0
ISHARES TR COM 464288646 201 3,750 SH   SOLE   3,750 0 0
FLEXSHARES TR COM 33939L795 36,316 701,887 SH   SOLE   701,887 0 0
JP MORGAN EXCHANGE TRADED FD COM 46641Q738 45,734 507,763 SH   SOLE   507,763 0 0
ISHARES TR COM 46429B697 28,162 439,342 SH   SOLE   439,342 0 0
ISHARES TR COM 464288612 8,554 75,550 SH   SOLE   75,550 0 0
FLEXSHARES TR COM 33939L860 21,362 470,125 SH   SOLE   470,125 0 0
ISHARES TR COM 464287804 50,897 653,873 SH   SOLE   653,873 0 0
SPDR SERIES TRUST COM 78464A375 466 13,200 SH   SOLE   13,200 0 0
ISHARES INC COM 46434G103 57,345 1,169,831 SH   SOLE   1,169,831 0 0
VANGUARD INDEX FDS COM 922908553 574 6,153 SH   SOLE   6,153 0 0
VANGUARD MALVERN FDS COM 922020805 34,781 709,094 SH   SOLE   709,094 0 0
VANGUARD SCOTTSDALE FDS COM 92206C409 652 8,040 SH   SOLE   8,040 0 0
SCHWAB STRATEGIC TR COM 808524870 15,077 265,630 SH   SOLE   265,630 0 0
INVESCO ACTIVELY MANAGD ETF COM 46090F100 10,875 696,215 SH   SOLE   696,215 0 0
ISHARES TR COM 46432F842 71,834 1,176,263 SH   SOLE   1,176,263 0 0
ISHARES TR COM 464287408 1,186 9,954 SH   SOLE   9,954 0 0
ISHARES TR COM 464287507 92,882 480,680 SH   SOLE   480,680 0 0
ISHARES TR COM 464287655 673 4,450 SH   SOLE   4,450 0 0
UBS AG JERSEY BRH COM 902641778 11,717 834,226 SH   SOLE   834,226 0 0
ISHARES TR COM 464287465 63,876 979,550 SH   SOLE   979,550 0 0
SPDR SERIES TRUST COM 78468R739 4,138 84,475 SH   SOLE   84,475 0 0
WISDOMTREE TR COM 97717W505 289 7,950 SH   SOLE   7,950 0 0
ISHARES TR COM 464287200 4,520 15,140 SH   SOLE   15,140 0 0
VANGUARD BD INDEX FD INC COM 921937835 94,524 1,119,558 SH   SOLE   1,119,558 0 0
VANGUARD WHITEHALL FDS INC COM 921946406 425 4,786 SH   SOLE   4,786 0 0
VANGUARD CHARLOTTE FDS COM 92203J407 33,045 561,711 SH   SOLE   561,711 0 0
ISHARES TR COM 464288679 18,844 170,349 SH   SOLE   170,349 0 0
JP MORGAN EXCHANGE TRADED FD COM 46641Q803 2,223 89,103 SH   SOLE   89,103 0 0