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 16,525,974 28,632 SH SOLE 28,632 0 0
ISHARES INC CORE MSCI EMKT 46434G103 9,919,099 142,209 SH SOLE 142,209 0 0
ISHARES TR 0-3 MNTH TREASRY 46436E718 2,128,959 21,150 SH SOLE 21,150 0 0
ISHARES TR CORE MSCI EAFE 46432F842 14,035,873 155,041 SH SOLE 155,041 0 0
ISHARES TR CORE S&P MCP ETF 464287507 571,467 8,462 SH SOLE 8,462 0 0
ISHARES TR CORE S&P500 ETF 464287200 29,413,589 45,029 SH SOLE 45,029 0 0
ISHARES TR CORE US AGGBD ET 464287226 57,010,534 574,298 SH SOLE 574,298 0 0
ISHARES TR IBOXX INV CP ETF 464287242 631,741 5,796 SH SOLE 5,796 0 0
ISHARES TR MSCI USA MIN VOL 46429B697 21,847,607 235,579 SH SOLE 235,579 0 0
ISHARES TR MSCI USA MMENTM 46432F396 763,220 3,180 SH SOLE 3,180 0 0
ISHARES TR S&P 500 GRWT ETF 464287309 20,449,620 180,794 SH SOLE 180,794 0 0
ISHARES TR TRUST ISHARE 0-1 464288679 7,734,365 70,064 SH SOLE 70,064 0 0
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 273,861 421 SH SOLE 421 0 0
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 11,564,299 147,485 SH SOLE 147,485 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 11,218,450 126,476 SH SOLE 126,476 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 31,615,639 398,835 SH SOLE 398,835 0 0
VANGUARD WORLD FD CONSUM DIS ETF 92204A108 13,528,830 37,682 SH SOLE 37,682 0 0
VANGUARD WORLD FD HEALTH CAR ETF 92204A504 11,892,056 43,668 SH SOLE 43,668 0 0