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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hours per response: 23.8
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
SPDR S&P 500 ETF TR COM 78462F103 163,418 529,959 SH   SOLE   529,959 0 0
SPDR SER TR COM 78464A375 547 14,965 SH   SOLE   14,965 0 0
ISHARES TR COM 464288646 205 3,750 SH   SOLE   3,750 0 0
FLEXSHARES TR COM 33939L795 32,202 673,682 SH   SOLE   673,682 0 0
INNOVATOR ETFS TR COM 45782C656 202 7,835 SH   SOLE   7,835 0 0
UBS AG LONDON BRANCH COM 90274D390 692 56,597 SH   SOLE   56,597 0 0
INNOVATOR ETFS TR COM 45782C508 202 7,205 SH   SOLE   7,205 0 0
ISHARES TR COM 464288612 10,085 85,668 SH   SOLE   85,668 0 0
FLEXSHARES TR COM 33939L860 4,962 117,450 SH   SOLE   117,450 0 0
ISHARES TR COM 464287804 44,326 649,092 SH   SOLE   649,092 0 0
ISHARES INC COM 46434G103 55,040 1,156,309 SH   SOLE   1,156,309 0 0
ISHARES U S ETF TR COM 46431W598 17,301 449,570 SH   SOLE   449,570 0 0
J P MORGAN EXCHANGE-TRADED F COM 46641Q696 688 30,440 SH   SOLE   30,440 0 0
VANGUARD INDEX FDS COM 922908553 230 2,930 SH   SOLE   2,930 0 0
WISDOMTREE TR COM 97717W604 1,063 50,180 SH   SOLE   50,180 0 0
VANGUARD BD INDEX FDS COM 921937835 108,655 1,229,959 SH   SOLE   1,229,959 0 0
ISHARES TR COM 464287150 12,845 184,975 SH   SOLE   184,975 0 0
ISHARES TR COM 464287226 203 1,715 SH   SOLE   1,715 0 0
INDEXIQ ETF TR COM 45409B107 2,203 72,664 SH   SOLE   72,664 0 0
VANGUARD SCOTTSDALE FDS COM 92206C409 1,047 12,670 SH   SOLE   12,670 0 0
SCHWAB STRATEGIC TR COM 808524870 7,792 129,820 SH   SOLE   129,820 0 0
VANGUARD MALVERN FDS COM 922020805 37,176 741,001 SH   SOLE   741,001 0 0
VANGUARD WHITEHALL FDS COM 921946406 4,053 51,446 SH   SOLE   51,446 0 0
ISHARES TR COM 464287507 83,577 470,009 SH   SOLE   470,009 0 0
ISHARES TR COM 464287655 364 2,545 SH   SOLE   2,545 0 0
ISHARES TR COM 46432F842 61,190 1,070,496 SH   SOLE   1,070,496 0 0
INVESCO ACTIVLY MANGD ETC FD COM 46090F100 653 50,484 SH   SOLE   50,484 0 0
SPDR SER TR COM 78468R739 2,899 58,140 SH   SOLE   58,140 0 0
ISHARES TR COM 464287465 65,748 1,080,137 SH   SOLE   1,080,137 0 0
WISDOMTREE TR COM 97717W505 2,085 73,560 SH   SOLE   73,560 0 0
SCHWAB STRATEGIC TR COM 808524862 204 3,950 SH   SOLE   3,950 0 0
ISHARES TR COM 464287200 51,753 167,113 SH   SOLE   167,113 0 0
VANGUARD CHARLOTTE FDS COM 92203J407 29,733 515,038 SH   SOLE   515,038 0 0
ISHARES TR COM 46432F339 4,921 51,306 SH   SOLE   51,306 0 0
J P MORGAN EXCHANGE-TRADED F COM 46641Q738 36,292 508,792 SH   SOLE   508,792 0 0
ISHARES TR COM 464288679 7,145 64,519 SH   SOLE   64,519 0 0