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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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
BNY MELLON ETF TRUST CORE BOND ETF 09661T602 10,982 238,433 SH   SOLE   238,433 0 0
GOLDMAN SACHS ETF TR ACTIVEBETA US LG 381430503 28,974 325,402 SH   SOLE   325,402 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 116,246 320,643 SH   SOLE   320,643 0 0
ISHARES TR CORE US AGGBD ET 464287226 20,993 196,011 SH   SOLE   196,011 0 0
ISHARES TR US TREAS BD ETF 46429B267 49,991 2,006,867 SH   SOLE   2,006,867 0 0
ISHARES TR CORE LT USDB ETF 464289479 6,432 100,460 SH   SOLE   100,460 0 0
ISHARES TR CORE 1 5 YR USD 46432F859 23,312 481,066 SH   SOLE   481,066 0 0
ISHARES TR CORE TOTAL USD 46434V613 31,875 642,248 SH   SOLE   642,248 0 0
ISHARES TR MBS ETF 464288588 10,248 100,597 SH   SOLE   100,597 0 0
ISHARES TR USD INV GRDE ETF 464288620 10,107 183,631 SH   SOLE   183,631 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 30,237 190,253 SH   SOLE   190,253 0 0
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 20,308 109,773 SH   SOLE   109,773 0 0
SPDR INDEX SHS FDS MSCI EMRG MKTS 78463X426 21,970 342,748 SH   SOLE   342,748 0 0
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 206,658 6,028,539 SH   SOLE   6,028,539 0 0
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 28,185 729,422 SH   SOLE   729,422 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 167,995 371,966 SH   SOLE   371,966 0 0
SPDR SER TR MSCI USA STRTGIC 78468R812 32,862 263,743 SH   SOLE   263,743 0 0
SPDR SER TR PORTFOLIO AGRGTE 78464A649 200,028 7,197,825 SH   SOLE   7,197,825 0 0
SPDR SER TR PORTFOLIO CRPORT 78464A144 34,848 1,088,648 SH   SOLE   1,088,648 0 0
SPDR SER TR PORTFLI TIPS ETF 78464A656 71,048 2,347,926 SH   SOLE   2,347,926 0 0
SPDR SER TR PORTFOLIO LN COR 78464A367 34,836 1,253,534 SH   SOLE   1,253,534 0 0
SPDR SER TR PORTFOLIO S&P500 78464A854 414,094 7,793,978 SH   SOLE   7,793,978 0 0
SPDR SER TR PORTFLI MORTGAGE 78464A383 4,965 207,220 SH   SOLE   207,220 0 0
SPDR SER TR PORTFOLIO SHORT 78464A474 9,580 317,950 SH   SOLE   317,950 0 0
SPDR SER TR PORTFOLIO S&P600 78468R853 116,659 2,772,984 SH   SOLE   2,772,984 0 0
SPDR SER TR PORTFLI INTRMDIT 78464A672 18,595 613,915 SH   SOLE   613,915 0 0
SPDR SER TR PORTFOLIO LN TSR 78464A664 9,549 252,488 SH   SOLE   252,488 0 0
SPDR SER TR PORTFOLIO SH TSR 78468R101 19,634 662,194 SH   SOLE   662,194 0 0
SSGA ACTIVE TR SPDR DBLELN EMRG 78470P309 7,685 168,410 SH   SOLE   168,410 0 0