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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
ISHARES TR TIPS BD ETF 464287176 461,281 4,192 SH SOLE 0 0 4,192
ISHARES TR MSCI EAFE ETF 464287465 3,023,136 33,820 SH SOLE 0 0 33,820
ISHARES TR CORE S&P MCP ETF 464287507 13,387,714 215,861 SH SOLE 0 0 215,861
ISHARES TR RUS 1000 GRW ETF 464287614 10,709,069 25,223 SH SOLE 0 0 25,223
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 12,669,830 478,107 SH SOLE 0 0 478,107
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 64,583,273 113,697 SH SOLE 0 0 113,697
GOLDMAN SACHS BDC INC SHS 38147U107 701,190 62,328 SH SOLE 0 0 62,328
INVESCO ACTVELY MNGD ETC FD OPTIMUM YIELD 46090F100 3,617,495 277,415 SH SOLE 0 0 277,415
INVESCO DB COMMDY INDX TRCK UNIT 46138B103 3,296,789 151,160 SH SOLE 0 0 151,160
ISHARES TR CORE MSCI EAFE 46432F842 68,384,403 819,171 SH SOLE 0 0 819,171
ISHARES INC CORE MSCI EMKT 46434G103 21,252,778 354,036 SH SOLE 0 0 354,036
J P MORGAN EXCHANGE TRADED F MUNICIPAL ETF 46641Q647 5,815,261 117,149 SH SOLE 0 0 117,149
J P MORGAN EXCHANGE TRADED F INFLATION MANAGE 46654Q104 229,815 4,763 SH SOLE 0 0 4,763
PIMCO ETF TR INTER MUN BD ACT 72201R866 5,600,593 109,046 SH SOLE 0 0 109,046
SPDR S&P 500 ETF TR TR UNIT 78462F103 40,174,487 65,023 SH SOLE 0 0 65,023
SPDR GOLD TR GOLD SHS 78463V107 4,706,280 15,439 SH SOLE 0 0 15,439
SPDR SER TR PORTFOLIO S&P500 78464A854 31,577,078 434,407 SH SOLE 0 0 434,407
SPDR SER TR PORTFOLIO S&P600 78468R853 3,923,947 92,111 SH SOLE 0 0 92,111
SELECT SECTOR SPDR TR RL EST SEL SEC 81369Y860 820,818 19,817 SH SOLE 0 0 19,817
WORLD GOLD TR SPDR GLD MINIS 98149E303 2,283,044 34,845 SH SOLE 0 0 34,845
VANGUARD SCOTTSDALE FDS VNG RUS1000GRW 92206C680 461,634 4,227 SH SOLE 0 0 4,227