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
Apple Inc COM 037833100 215,429 1,050 SH SOLE 0 0 1,050
Alphabet Inc. - Class A COM 02079K305 222,050 1,260 SH SOLE 0 0 1,260
Amazon.com Inc. COM 023135106 200,303 913 SH SOLE 0 0 913
Capital Group Core Plus Income ETF COM 14020Y102 6,736,140 299,384 SH SOLE 0 0 299,384
Dimensional International Value ETF COM 25434V807 4,575,872 106,838 SH SOLE 0 0 106,838
Dimensional Large Cap Value ETF COM 25434V666 2,446,423 78,866 SH SOLE 0 0 78,866
Dimensional National Municipal Bond ETF COM 25434V849 8,368,597 176,441 SH SOLE 0 0 176,441
Innovator US Small Cap Power Buffer ETF COM 45782C599 7,745,536 253,952 SH SOLE 0 0 253,952
iShares Barclays 7-10 Year Treasury Bonds COM 464287440 6,790,093 70,900 SH SOLE 0 0 70,900
iShares Core S&P 500 ETF COM 464287200 30,327,861 48,845 SH SOLE 0 0 48,845
iShares Core U.S. Aggregate Bond ETF COM 464287226 3,067,363 30,921 SH SOLE 0 0 30,921
iShares Gold Trust COM 464285204 2,849,852 45,700 SH SOLE 0 0 45,700
Ishares Russell 1000 Growth Etf COM 464287614 16,522,531 38,915 SH SOLE 0 0 38,915
iShares Russell 3000 ETF COM 464287689 20,022,444 57,044 SH SOLE 0 0 57,044
iShares S&P National Muni Bond Fund COM 464288414 1,171,430 11,212 SH SOLE 0 0 11,212
iShares S&P National Short Term Municipal Bond COM 464288158 727,578 6,842 SH SOLE 0 0 6,842
iShares Trust Broad USD Investment Grade COM 464288620 2,233,576 43,421 SH SOLE 0 0 43,421
Janus Henderson AAA CLO ETF COM 47103U845 11,104,405 218,806 SH SOLE 0 0 218,806
JP Morgan Ultra-Short Income ETF COM 46641Q837 3,257,254 64,271 SH SOLE 0 0 64,271
JP Morgan Ultra-Short Municipal Income ETF COM 46641Q654 1,658,261 32,566 SH SOLE 0 0 32,566
JPMorgan Active Bond ETF COM 46654Q716 3,249,376 60,634 SH SOLE 0 0 60,634
Microsoft Corp COM 594918104 887,379 1,784 SH SOLE 0 0 1,784
Pimco 0-5 Year High Yield Corporate Bond Index COM 72201R783 2,543,798 26,774 SH SOLE 0 0 26,774
Pimco Enhanced Low Duration Active ETF COM 72201R718 1,266,489 13,216 SH SOLE 0 0 13,216
Pimco Enhanced Short Maturity Active ETF COM 72201R833 5,727,077 56,966 SH SOLE 0 0 56,966
PowerShares FTSE RAFI US 1000 Portfolio COM 46137V613 12,029,112 284,578 SH SOLE 0 0 284,578
SPDR Blackstone Senior Loan ETF COM 78467V608 2,157,065 51,865 SH SOLE 0 0 51,865
SPDR Portfolio Aggregate Bond ETF COM 78464A649 2,399,744 93,740 SH SOLE 0 0 93,740
SPDR Portfolio Large Cap ETF COM 78464A854 3,581,509 49,271 SH SOLE 0 0 49,271
SPDR Portfolio S&P 500 Growth ETF COM 78464A409 8,287,979 86,949 SH SOLE 0 0 86,949
SPDR Portfolio Short Term Corporate Bond ETF COM 78464A474 3,227,734 106,914 SH SOLE 0 0 106,914
SPDR Portfolio Total Stock Market ETF COM 78464A805 3,289,169 43,920 SH SOLE 0 0 43,920
SPDR S&P 500 ETF COM 78462F103 641,328 1,038 SH SOLE 0 0 1,038
Vanguard FTSE Developed Markets ETF COM 921943858 4,407,557 77,312 SH SOLE 0 0 77,312
Vanguard Intermediate Term Bond ETF COM 921937819 2,087,097 26,986 SH SOLE 0 0 26,986
Vanguard S&P 500 ETF COM 922908363 201,651 355 SH SOLE 0 0 355
Vanguard Short-Term Corporate Bond ETF COM 92206C409 2,820,183 35,474 SH SOLE 0 0 35,474
Vanguard Total Stock Market ETF COM 922908769 8,387,556 27,597 SH SOLE 0 0 27,597
Vanguard Ultra-Short Bond ETF COM 92203C303 2,017,189 40,453 SH SOLE 0 0 40,453