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
OMB APPROVAL
OMB Number: 3235-0006
Expires: July 31, 2015
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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
BLACKROCK FLOATING RATE INC COM 091941104 232,050 20,481 SH SOLE 0 0 20,481
CAPITAL GROUP DIVIDEND VALUE SHS CREATION UNI 14020W106 15,261,653 349,717 SH SOLE 0 0 349,717
FIDELITY COVINGTON TRUST BLUE CHIP GRWTH 316092352 19,857,350 362,096 SH SOLE 0 0 362,096
FIDELITY COVINGTON TRUST EMERG MKTS MLTFT 316092543 6,236,464 201,958 SH SOLE 0 0 201,958
FIDELITY COVINGTON TRUST ENHANCED INTL 31609A404 10,713,991 292,892 SH SOLE 0 0 292,892
FIDELITY COVINGTON TRUST FUNDAMENTAL SMAL 316092295 2,792,974 91,006 SH SOLE 0 0 91,006
FIDELITY MERRIMACK STR TR INVESTMENT GR BD 316188606 8,351,155 192,290 SH SOLE 0 0 192,290
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309 10,228,942 222,175 SH SOLE 0 0 222,175
HARBOR ETF TRUST HARBOR COMMODITY 41151J505 533,084 21,478 SH SOLE 0 0 21,478
INVESCO EXCHANGE TRADED FD T S&P MDCP QUALITY 46137V472 582,360 5,686 SH SOLE 0 0 5,686
INVESCO QQQ TR UNIT SER 1 46090E103 358,757 584 SH SOLE 0 0 584
ISHARES INC JP MRGN EM HI BD 464286285 287,838 7,130 SH SOLE 0 0 7,130
ISHARES TR CORE S&P500 ETF 464287200 2,025,368 2,957 SH SOLE 0 0 2,957
ISHARES TR CORE US AGGBD ET 464287226 282,461 2,828 SH SOLE 0 0 2,828
ISHARES TR HDG MSCI EAFE 46434V803 5,772,228 139,561 SH SOLE 0 0 139,561
ISHARES TR MSCI EAFE SMCP 46435G839 303,944 7,811 SH SOLE 0 0 7,811
J P MORGAN EXCHANGE TRADED F HEDGED EQUITY LA 46654Q724 2,550,117 38,388 SH SOLE 0 0 38,388
ORACLE CORP COM 68389X105 271,315 1,392 SH SOLE 0 0 1,392
PGIM ETF TR ACTV HY BD ETF 69344A206 2,229,776 62,846 SH SOLE 0 0 62,846
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 278,142 2,772 SH SOLE 0 0 2,772
SCHWAB STRATEGIC TR FUNDAMENTAL EMER 808524730 917,979 25,457 SH SOLE 0 0 25,457
SELECT SECTOR SPDR TR STATE STREET TEC 81369Y803 334,730 2,325 SH SOLE 0 0 2,325
SPDR INDEX SHS FDS DJ GLB RL ES ETF 78463X749 310,008 6,886 SH SOLE 0 0 6,886
SPDR S&P 500 ETF TR TR UNIT 78462F103 250,947 368 SH SOLE 0 0 368
SPDR SERIES TRUST STATE STREET SPD 78464A664 1,368,481 51,699 SH SOLE 0 0 51,699
SPDR SERIES TRUST STATE STREET SPD 78464A854 11,966,784 149,175 SH SOLE 0 0 149,175
SSGA ACTIVE TR SPDR BRIDGEWATER 78470P630 2,410,433 87,684 SH SOLE 0 0 87,684
SSGA ACTIVE TR SPDR SSGA IG PUB 78470P622 1,089,232 42,858 SH SOLE 0 0 42,858
SSGA ACTIVE TR STATE STREET US 78470P838 1,264,538 39,021 SH SOLE 0 0 39,021
T ROWE PRICE ETF INC FLOATING RATE 87283Q883 3,640,509 70,821 SH SOLE 0 0 70,821
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 267,157 426 SH SOLE 0 0 426
VANGUARD INDEX FDS SMALL CP ETF 922908751 386,667 1,499 SH SOLE 0 0 1,499
VANGUARD SCOTTSDALE FDS VNG RUS3000IDX 92206C599 254,079 846 SH SOLE 0 0 846