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
INVESCO QQQ TR UNIT SER 1 46090E103 16,985,238 27,649 SH SOLE 27,649 0 0
ISHARES INC CORE MSCI EMKT 46434G103 9,088,904 135,211 SH SOLE 135,211 0 0
ISHARES TR 0-3 MNTH TREASRY 46436E718 2,202,136 21,938 SH SOLE 21,938 0 0
ISHARES TR CORE MSCI EAFE 46432F842 13,284,910 148,501 SH SOLE 148,501 0 0
ISHARES TR CORE S&P MCP ETF 464287507 528,557 8,008 SH SOLE 8,008 0 0
ISHARES TR CORE S&P500 ETF 464287200 29,712,638 43,380 SH SOLE 43,380 0 0
ISHARES TR CORE US AGGBD ET 464287226 54,835,831 549,017 SH SOLE 549,017 0 0
ISHARES TR IBOXX INV CP ETF 464287242 621,231 5,638 SH SOLE 5,638 0 0
ISHARES TR MSCI USA MIN VOL 46429B697 20,982,482 222,839 SH SOLE 222,839 0 0
ISHARES TR MSCI USA MMENTM 46432F396 795,708 3,179 SH SOLE 3,179 0 0
ISHARES TR S&P 500 GRWT ETF 464287309 21,650,904 175,652 SH SOLE 175,652 0 0
ISHARES TR TRUST ISHARE 0-1 464288679 7,298,980 66,264 SH SOLE 66,264 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 287,159 421 SH SOLE 421 0 0
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 10,993,837 139,498 SH SOLE 139,498 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 10,402,429 117,555 SH SOLE 117,555 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 31,077,919 389,790 SH SOLE 389,790 0 0
VANGUARD WORLD FD CONSUM DIS ETF 92204A108 14,092,980 35,776 SH SOLE 35,776 0 0
VANGUARD WORLD FD HEALTH CAR ETF 92204A504 12,222,389 42,461 SH SOLE 42,461 0 0