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
Expires: July 31, 2015
Estimated average burden
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
DBX ETF TR XTRCKR MSCI US 233051150 394,000 11,310 SH SOLE 11,310 0 0
INVESCO EXCH TRADED FD TR II EMRNG MKT SVRG 46138E784 536,000 28,705 SH SOLE 28,705 0 0
ISHARES INC JP MRGN EM HI BD 464286285 1,974,000 56,428 SH SOLE 56,428 0 0
ISHARES INC MSCI AGRICULTURE 464286350 200,000 4,670 SH SOLE 4,670 0 0
ISHARES INC MSCI EM ASIA ETF 464286426 12,854,000 203,005 SH SOLE 194,215 0 8,790
ISHARES INC MSCI CDA ETF 464286509 5,899,000 180,247 SH SOLE 172,449 0 7,798
ISHARES INC CORE MSCI EMKT 46434G103 6,396,000 136,950 SH SOLE 131,153 0 5,797
ISHARES INC ESG AWR MSCI EM 46434G863 404,000 13,432 SH SOLE 13,432 0 0
ISHARES TR CORE S&P500 ETF 464287200 49,527,000 128,905 SH SOLE 123,719 0 5,186
ISHARES TR 20 YR TR BD ETF 464287432 1,456,000 14,628 SH SOLE 14,628 0 0
ISHARES TR 7-10 YR TRSY BD 464287440 226,000 2,358 SH SOLE 2,358 0 0
ISHARES TR GL CLEAN ENE ETF 464288224 203,000 10,219 SH SOLE 10,219 0 0
ISHARES TR MSCI ACWI ETF 464288257 732,000 8,626 SH SOLE 8,626 0 0
ISHARES TR MBS ETF 464288588 4,566,000 49,233 SH SOLE 49,233 0 0
ISHARES TR ISHS 5-10YR INVT 464288638 1,637,000 33,055 SH SOLE 33,055 0 0
ISHARES TR ISHS 1-5YR INVS 464288646 19,817,000 397,775 SH SOLE 397,775 0 0
ISHARES TR 3 7 YR TREAS BD 464288661 707,000 6,155 SH SOLE 6,155 0 0
ISHARES TR 10+ YR INVST GRD 464289511 805,000 16,168 SH SOLE 16,168 0 0
ISHARES TR FLTG RATE NT ETF 46429B655 943,000 18,743 SH SOLE 18,743 0 0
ISHARES TR MSCI USA QLT FCT 46432F339 24,909,000 218,576 SH SOLE 209,368 0 9,208
ISHARES TR CORE MSCI EAFE 46432F842 24,459,000 396,807 SH SOLE 379,204 0 17,603
ISHARES TR 0-5YR HI YL CP 46434V407 14,063,000 343,933 SH SOLE 343,933 0 0
ISHARES TR ESG AWR MSCI USA 46435G425 435,000 5,127 SH SOLE 5,127 0 0
ISHARES TR ESG AW MSCI EAFE 46435G516 863,000 13,122 SH SOLE 13,122 0 0
ISHARES TR BROAD USD HIGH 46435U853 21,395,000 619,594 SH SOLE 619,594 0 0
ISHARES U S ETF TR BLACKROCK ST MAT 46431W507 1,976,000 40,101 SH SOLE 40,101 0 0
J P MORGAN EXCHANGE TRADED F BETABULDRS JAPAN 46641Q217 10,476,000 233,314 SH SOLE 223,369 0 9,945
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332 22,564,000 414,093 SH SOLE 401,068 0 13,025
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837 13,400,000 267,300 SH SOLE 267,300 0 0
JANUS DETROIT STR TR HENDRSON AAA CL 47103U845 4,642,000 94,239 SH SOLE 94,239 0 0
JANUS DETROIT STR TR HENDERSON MTG 47103U852 984,000 21,648 SH SOLE 21,648 0 0
NUSHARES ETF TR NUVEEN ESG LRGCP 67092P201 351,000 7,171 SH SOLE 7,171 0 0
PACER FDS TR US CASH COWS 100 69374H881 12,161,000 262,940 SH SOLE 251,753 0 11,187
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 4,673,000 61,860 SH SOLE 61,860 0 0
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 10,449,000 76,916 SH SOLE 73,636 0 3,280
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 6,055,000 48,657 SH SOLE 46,585 0 2,072
SPDR S&P 500 ETF TR TR UNIT 78462F103 3,365,000 8,800 SH SOLE 8,800 0 0
SPDR SER TR ICE PFD SEC ETF 78464A292 13,019,000 396,694 SH SOLE 396,694 0 0
SPDR SER TR BLOOMBERG SHT TE 78468R408 3,375,000 139,248 SH SOLE 139,248 0 0
SPDR SER TR S&P 500 ESG ETF 78468R531 784,000 21,379 SH SOLE 21,379 0 0
SPDR SER TR BLOOMBERG HIGH Y 78468R622 2,462,000 27,350 SH SOLE 27,350 0 0
SPDR SER TR PRTFLO S&P500 HI 78468R788 14,631,000 369,662 SH SOLE 354,393 0 15,269
VANECK ETF TRUST EMERGING MRKT HI 92189F353 807,000 44,310 SH SOLE 44,310 0 0
VANECK ETF TRUST JP MRGAN EM LOC 92189H300 3,049,000 125,835 SH SOLE 125,835 0 0
VANECK ETF TRUST HIGH YLD MUNIETF 92189H409 6,868,000 135,873 SH SOLE 135,873 0 0
VANGUARD WORLD FD ESG US STK ETF 921910733 429,000 6,510 SH SOLE 6,510 0 0
VANGUARD WORLD FD MEGA GRWTH IND 921910816 9,913,000 57,609 SH SOLE 55,153 0 2,456