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
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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
ABRDN ETFS BBRG ALL COMMDY 003261203 38,776,577 1,171,098 SH SOLE 1,171,098 0 0
FLEXSHARES TR STOXX GLOBR INF 33939L795 71,609,778 1,161,554 SH SOLE 1,161,554 0 0
INNOVATOR ETFS TRUST EQUITY DEFINED P 45783Y251 166,736 5,915 SH SOLE 5,915 0 0
INNOVATOR ETFS TRUST DEFINED WLT SHLD 45783Y855 166,718 5,198 SH SOLE 5,198 0 0
INVESCO EXCH TRADED FD TR II S&P SMLCAP QTY 46138G300 14,548,920 357,731 SH SOLE 357,731 0 0
INVESCO EXCH TRD SLF IDX FD INVSCO 28 HYCORP 46138J452 152,104 6,933 SH SOLE 6,933 0 0
INVESCO EXCH TRD SLF IDX FD BULETSHS 2027 46138J585 117,628 5,191 SH SOLE 5,191 0 0
INVESCO EXCH TRD SLF IDX FD BULLETSHS 2030 46139W841 213,543 8,229 SH SOLE 8,229 0 0
ISHARES INC CORE MSCI EMKT 46434G103 72,998,935 1,221,841 SH SOLE 1,221,841 0 0
ISHARES INC MSCI JPN ETF NEW 46434G822 15,319,490 203,971 SH SOLE 203,971 0 0
ISHARES TR CORE S&P TTL STK 464287150 32,585,381 241,266 SH SOLE 241,266 0 0
ISHARES TR CORE S&P500 ETF 464287200 72,849,547 117,291 SH SOLE 117,291 0 0
ISHARES TR RUS MDCP VAL ETF 464287473 7,270 55 SH SOLE 55 0 0
ISHARES TR RUS MD CP GR ETF 464287481 7,764 56 SH SOLE 56 0 0
ISHARES TR CORE S&P MCP ETF 464287507 149,642,997 2,411,984 SH SOLE 2,411,984 0 0
ISHARES TR CORE S&P SCP ETF 464287804 53,508,773 489,524 SH SOLE 489,524 0 0
ISHARES TR JPMORGAN USD EMG 464288281 57,579 625 SH SOLE 625 0 0
ISHARES TR INTRM GOV CR ETF 464288612 25,290,548 236,852 SH SOLE 236,852 0 0
ISHARES TR ISHS 1-5YR INVS 464288646 197,760 3,750 SH SOLE 3,750 0 0
ISHARES TR MSCI EURO FL ETF 464289180 365,583 11,551 SH SOLE 11,551 0 0
ISHARES TR CORE MSCI EAFE 46432F842 111,166,753 1,332,968 SH SOLE 1,332,968 0 0
ISHARES TR IBONDS 29 TR HI 46436E379 153,364 6,510 SH SOLE 6,510 0 0
ISHARES TR IBONDS 2026 TERM 46436E528 233,692 10,089 SH SOLE 10,089 0 0
ISHARES U S ETF TR BLOOMBERG ROLL 46431W598 1,563,321 31,000 SH SOLE 31,000 0 0
J P MORGAN EXCHANGE TRADED F BETABUILDERS CDA 46641Q225 1,480,265 18,336 SH SOLE 18,336 0 0
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332 121,630 2,141 SH SOLE 2,141 0 0
J P MORGAN EXCHANGE TRADED F BETBULD MSCI 46641Q738 45,214,923 490,933 SH SOLE 490,933 0 0
J P MORGAN EXCHANGE TRADED F HEDGED EQUITY LA 46654Q724 7,270,733 116,202 SH SOLE 116,202 0 0
NEW YORK LIFE INVESTMENTS ET NYLI HEDGE MULTI 45409B107 49,858,347 1,541,694 SH SOLE 1,541,694 0 0
NVIDIA CORPORATION COM 67066G104 315,980 2,000 SH SOLE 2,000 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 288,135,632 466,120 SH SOLE 466,120 0 0
SPDR SERIES TRUST PORTFOLIO INTRMD 78464A375 1,810,195 53,905 SH SOLE 53,905 0 0
SPDR SERIES TRUST PORTFLI HIGH YLD 78468R606 31,371 1,322 SH SOLE 1,322 0 0
SPDR SERIES TRUST NUVEEN ICE SHORT 78468R739 1,303,965 27,260 SH SOLE 27,260 0 0
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 12,911,781 164,105 SH SOLE 164,105 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 133,128,788 1,808,815 SH SOLE 1,808,815 0 0
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 65,387,361 1,323,899 SH SOLE 1,323,899 0 0
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 21,569,109 429,236 SH SOLE 429,236 0 0