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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
SIMPLIFY EXCHANGE TRADED FUN SHORT TERM TREA 82889N657 65,344 2,967,492 SH SOLE -- 2,967,492 0 0
ISHARES INC CORE MSCI EMKT 46434G103 108,363 1,813,759 SH SOLE -- 1,813,759 0 0
VANECK ETF TRUST FALLEN ANGEL HG 92189F437 35,988 1,231,447 SH SOLE -- 1,231,447 0 0
VANECK ETF TRUST MRNGSTR WDE MOAT 92189F643 79,294 845,027 SH SOLE -- 845,027 0 0
SPDR INDEX SHS FDS EURO STOXX 50 78463X202 47,632 802,765 SH SOLE -- 802,765 0 0
ISHARES TR CORE MSCI EAFE 46432F842 57,143 685,189 SH SOLE -- 685,189 0 0
J P MORGAN EXCHANGE TRADED F BETABULDRS JAPAN 46641Q217 23,781 384,185 SH SOLE -- 384,185 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 59,715 328,428 SH SOLE -- 328,428 0 0
J P MORGAN EXCHANGE TRADED F INTRNL RES EQT 46641Q134 22,778 322,180 SH SOLE -- 322,180 0 0
VANECK ETF TRUST MRNGSTR INT MOAT 92189F593 10,891 314,273 SH SOLE -- 314,273 0 0
REGIONS FINANCIAL CORP NEW COM 7591EP100 6,564 279,090 SH SOLE -- 279,090 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 20,008 241,436 SH SOLE -- 241,436 0 0
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 26,670 200,033 SH SOLE -- 200,033 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 113,139 199,115 SH SOLE -- 199,115 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 100,094 161,923 SH SOLE -- 161,923 0 0
ALPS ETF TR ALERIAN MLP 00162Q452 4,775 97,825 SH SOLE -- 97,825 0 0