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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
Dimensional INTL CORE EQT MK 25434V203 13,445,208 352,800 SH SOLE 352,800 0 0
Dimensional EMGR CRE EQT MNG 25434V302 4,537,001 139,300 SH SOLE 139,300 0 0
IShares MRGSTR MD CP GRW 464288307 4,431,120 55,500 SH SOLE 55,500 0 0
IShares MSCI INTL QUALTY 46434V456 9,494,505 208,900 SH SOLE 208,900 0 0
Ballast BALLAST SMLMD CP 90470L550 2,517,944 56,800 SH SOLE 56,800 0 0
VanEck MRNGSTR WDE MOAT 92189F643 11,192,143 108,074 SH SOLE 108,074 0 0
Vanguard DIV APP ETF 921908844 8,934,277 40,651 SH SOLE 40,651 0 0
Vanguard VAN FTSE DEV MKT 921943858 9,001,927 144,100 SH SOLE 144,100 0 0
Vanguard HIGH DIV YLD 921946406 8,941,727 62,303 SH SOLE 62,303 0 0
Vanguard INTL HIGH ETF 921946794 9,000,000 100,000 SH SOLE 100,000 0 0
Vanguard FTSE EMR MKT ETF 922042858 4,521,216 84,100 SH SOLE 84,100 0 0
Vanguard SM CP VAL ETF 922908611 4,849,991 22,900 SH SOLE 22,900 0 0
SPDR SER TR BLOOMBERG SHT TE 78468R408 15,035,016 593,800 SH SOLE 593,800 0 0
Vaneck AA BB CLO ETF 92189H656 1,986,068 39,200 SH SOLE 39,200 0 0
Vaneck CLO ETF 92189H748 11,966,746 226,600 SH SOLE 226,600 0 0
Vanguard SHRT TRM CORP BD 92206C409 18,040,029 226,264 SH SOLE 226,264 0 0
Vanguard MTG-BKD SECS ETF 92206C771 25,027,728 531,600 SH SOLE 531,600 0 0
Vanguard LG-TERM COR BD 92206C813 35,012,360 461,600 SH SOLE 461,600 0 0
IShares GLB INFRASTR ETF 464288372 18,174,832 296,200 SH SOLE 296,200 0 0
Vanguard REAL ESTATE ETF 922908553 7,344,670 83,000 SH SOLE 83,000 0 0