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
Estimated average burden
hours per response: 23.8
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
ALPHABET INC CAP STK CL A 02079K305 256,216 891 SH SOLE NONE 891 0 0
APPLE INC COM 037833100 291,351 1,148 SH SOLE NONE 1,148 0 0
COLGATE PALMOLIVE CO COM 194162103 375,012 4,400 SH DFND NONE 0 0 4,400
EXCHANGE LISTED FDS TR BANCREEK INT LC 30151E541 1,718,608 65,406 SH SOLE NONE 65,406 0 0
EXCHANGE LISTED FDS TR BANCREEK US LARG 30151E558 418,893 13,115 SH SOLE NONE 13,115 0 0
EXXON MOBIL CORP COM 30231G102 500,836 2,952 SH DFND NONE 0 0 2,952
EXXON MOBIL CORP COM 30231G102 67,525 398 SH SOLE NONE 398 0 0
INVESCO EXCH TRADED FD TR II S&P EMRNG MKTS 46138E297 1,119,690 39,875 SH SOLE NONE 39,875 0 0
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354 4,224,128 57,754 SH SOLE NONE 57,754 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 1,581,229 8,239 SH SOLE NONE 8,239 0 0
ISHARES INC MSCI ISRAEL ETF 464286632 454,877 3,920 SH SOLE NONE 3,920 0 0
ISHARES INC MSCI PAC JP ETF 464286665 770,158 14,493 SH SOLE NONE 14,493 0 0
ISHARES INC MSCI JAPAN ETF 46434G822 1,472,465 17,438 SH SOLE NONE 17,438 0 0
ISHARES TR CORE S&P500 ETF 464287200 1,628,453 2,493 SH SOLE NONE 2,493 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 1,719,260 30,274 SH SOLE NONE 30,274 0 0
ISHARES TR 7-10 YR TRSY BD 464287440 1,706,276 17,878 SH SOLE NONE 17,878 0 0
ISHARES TR 1 3 YR TREAS BD 464287457 1,830,907 22,174 SH SOLE NONE 22,174 0 0
ISHARES TR RUS MID CAP ETF 464287499 302,871 3,115 SH SOLE NONE 3,115 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 206,584 833 SH SOLE NONE 833 0 0
ISHARES TR INTL TREA BD ETF 464288117 2,947,328 71,781 SH SOLE NONE 71,781 0 0
ISHARES TR ISHS 5-10YR INVT 464288638 3,222,524 60,551 SH SOLE NONE 60,551 0 0
ISHARES TR ISHS 1-5YR INVS 464288646 1,800,338 34,253 SH SOLE NONE 34,253 0 0
ISHARES TR 3 7 YR TREAS BD 464288661 1,532,193 12,919 SH SOLE NONE 12,919 0 0
ISHARES TR 10+ YR INVST GRD 464289511 342,248 6,896 SH SOLE NONE 6,896 0 0
ISHARES TR CORE MSCI EURO 46434V738 2,642,433 37,604 SH SOLE NONE 37,604 0 0
ISHARES TR BROAD USD HIGH 46435U853 727,479 19,747 SH SOLE NONE 19,747 0 0
JOHNSON & JOHNSON COM 478160104 232,218 950 SH DFND NONE 0 0 950
JOHNSON & JOHNSON COM 478160104 47,177 193 SH SOLE NONE 193 0 0
JPMORGAN CHASE & CO COM 46625H100 147,080 500 SH DFND NONE 0 0 500
JPMORGAN CHASE & CO COM 46625H100 134,725 458 SH SOLE NONE 458 0 0
MICROSOFT CORP COM 594918104 240,981 651 SH SOLE NONE 651 0 0
NEXTERA ENERGY INC COM 65339F101 260,064 2,800 SH DFND NONE 0 0 2,800
NEXTERA ENERGY INC COM 65339F101 41,517 447 SH SOLE NONE 447 0 0
PROCTER & GAMBLE CO COM 742718109 651,713 4,512 SH DFND NONE 0 0 4,512
PROCTER & GAMBLE CO COM 742718109 35,821 248 SH SOLE NONE 248 0 0
S&P GLOBAL INC COM 78409V104 723,078 1,700 SH DFND NONE 0 0 1,700
SELECT SECTOR SPDR TR STATE STREET CON 81369Y308 395,226 4,821 SH SOLE NONE 4,821 0 0
SHELL PLC SPON ADS 780259305 1,805,037 19,409 SH DFND NONE 0 0 19,409
SPDR SERIES TRUST BLOOMBERG INTL 78464A151 5,685,868 182,943 SH SOLE NONE 182,943 0 0
UNILEVER PLC SPON ADR NEW 904767803 652,193 11,448 SH DFND NONE 0 0 11,448
DISNEY WALT CO COM 254687106 230,830 2,395 SH SOLE NONE 2,395 0 0
INTEL CORP COM 458140100 207,234 4,696 SH SOLE NONE 4,696 0 0
MICROSOFT CORP COM 594918104 234,318 633 SH SOLE NONE 633 0 0