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 173,382 517,728 SH   SOLE   517,728 0 0
SPDR SER TR COM 78464A375 610 16,594 SH   SOLE   16,594 0 0
ISHARES TR COM 464288646 206 3,750 SH   SOLE   3,750 0 0
FLEXSHARES TR COM 33939L795 34,615 694,248 SH   SOLE   694,248 0 0
UBS AG LONDON BRANCH COM 90274D390 653 49,114 SH   SOLE   49,114 0 0
INNOVATOR ETFS TR COM 45782C508 419 14,295 SH   SOLE   14,295 0 0
ISHARES TR COM 464288612 10,937 92,891 SH   SOLE   92,891 0 0
FLEXSHARES TR COM 33939L860 4,855 108,735 SH   SOLE   108,735 0 0
ISHARES TR COM 464287804 46,211 657,993 SH   SOLE   657,993 0 0
ISHARES INC COM 46434G103 59,575 1,128,318 SH   SOLE   1,128,318 0 0
ISHARES U S ETF TR COM 46431W598 28,176 674,635 SH   SOLE   674,635 0 0
J P MORGAN EXCHANGE-TRADED F COM 46641Q696 881 36,941 SH   SOLE   36,941 0 0
VANGUARD INDEX FDS COM 922908553 271 3,434 SH   SOLE   3,434 0 0
WISDOMTREE TR COM 97717W604 1,055 50,029 SH   SOLE   50,029 0 0
VANGUARD BD INDEX FDS COM 921937835 116,212 1,317,297 SH   SOLE   1,317,297 0 0
ISHARES TR COM 464287150 13,928 184,496 SH   SOLE   184,496 0 0
ISHARES TR COM 464287226 202 1,715 SH   SOLE   1,715 0 0
INDEXIQ ETF TR COM 45409B107 4,581 147,835 SH   SOLE   147,835 0 0
PACER FDS TR COM 69374H766 8,038 238,969 SH   SOLE   238,969 0 0
SCHWAB STRATEGIC TR COM 808524870 7,997 129,766 SH   SOLE   129,766 0 0
VANGUARD MALVERN FDS COM 922020805 38,552 755,619 SH   SOLE   755,619 0 0
VANGUARD WHITEHALL FDS COM 921946406 4,185 51,709 SH   SOLE   51,709 0 0
VANGUARD SCOTTSDALE FDS COM 92206C409 1,050 12,670 SH   SOLE   12,670 0 0
ISHARES TR COM 464287507 88,692 478,612 SH   SOLE   478,612 0 0
ISHARES TR COM 46432F842 66,277 1,099,482 SH   SOLE   1,099,482 0 0
ISHARES TR COM 464287655 373 2,491 SH   SOLE   2,491 0 0
INVESCO ACTIVLY MANGD ETC FD COM 46090F100 622 45,506 SH   SOLE   45,506 0 0
SPDR SER TR COM 78468R739 3,229 64,748 SH   SOLE   64,748 0 0
WISDOMTREE TR COM 97717W505 2,117 73,214 SH   SOLE   73,214 0 0
SCHWAB STRATEGIC TR COM 808524862 203 3,950 SH   SOLE   3,950 0 0
ISHARES TR COM 464287465 73,043 1,147,572 SH   SOLE   1,147,572 0 0
ISHARES TR COM 464287200 54,334 161,678 SH   SOLE   161,678 0 0
VANGUARD CHARLOTTE FDS COM 92203J407 32,060 550,994 SH   SOLE   550,994 0 0
J P MORGAN EXCHANGE-TRADED F COM 46641Q738 34,916 485,276 SH   SOLE   485,276 0 0
ISHARES TR COM 464288679 2,083 18,820 SH   SOLE   18,820 0 0