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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
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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 17,749 429,332 SH   SOLE   429,332 0 0
BONDBLOXX ETF TRUST BB RT USD HI YLD 09789C705 2,142 57,081 SH   SOLE   57,081 0 0
GOLDMAN SACHS ETF TR ACTIVEBETA US LG 381430503 23,729 334,120 SH   SOLE   334,120 0 0
ISHARES TR CORE US AGGBD ET 464287226 44,844 465,475 SH   SOLE   465,475 0 0
ISHARES TR US TREAS BD ETF 46429B267 43,059 1,891,867 SH   SOLE   1,891,867 0 0
ISHARES TR CORE TOTAL USD 46434V613 34,577 777,011 SH   SOLE   777,011 0 0
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 26,223 844,827 SH   SOLE   844,827 0 0
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 175,639 6,807,714 SH   SOLE   6,807,714 0 0
SPDR SER TR PORTFOLIO AGRGTE 78464A649 233,229 9,347,864 SH   SOLE   9,347,864 0 0
SPDR SER TR PORTFLI TIPS ETF 78464A656 81,497 3,213,617 SH   SOLE   3,213,617 0 0
SPDR SER TR PORTFOLIO LN TSR 78464A664 8,066 272,116 SH   SOLE   272,116 0 0
SPDR SER TR PORTFLI INTRMDIT 78464A672 16,129 573,361 SH   SOLE   573,361 0 0
SPDR SER TR PORTFOLIO S&P500 78464A854 362,455 8,631,931 SH   SOLE   8,631,931 0 0
SPDR SER TR PORTFOLIO SH TSR 78468R101 16,322 564,563 SH   SOLE   564,563 0 0
SPDR SER TR PORTFLI HIGH YLD 78468R606 2,429 111,338 SH   SOLE   111,338 0 0
SPDR SER TR MSCI USA STRTGIC 78468R812 25,346 249,543 SH   SOLE   249,543 0 0
SPDR SER TR PORTFOLIO S&P600 78468R853 45,720 1,342,327 SH   SOLE   1,342,327 0 0