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
Aberdeen Bloomberg All Commodity ETF COM 003261104 2,120,784 87,311 SH SOLE 0 0 87,311
Alphabet Inc. - Class A COM 02079K305 362,326 1,260 SH SOLE 0 0 1,260
Apple Inc COM 037833100 262,926 1,036 SH SOLE 0 0 1,036
Capital Group Core Plus Income ETF COM 14020Y102 6,444,487 288,473 SH SOLE 0 0 288,473
Dimensional Emerging Core Equity Market ETF COM 25434V302 8,355,666 246,771 SH SOLE 0 0 246,771
Dimensional International Value ETF COM 25434V807 7,149,420 135,457 SH SOLE 0 0 135,457
Dimensional Large Cap Value ETF COM 25434V666 3,459,263 96,871 SH SOLE 0 0 96,871
Dimensional National Municipal Bond ETF COM 25434V849 7,926,759 165,382 SH SOLE 0 0 165,382
Energy Select Sector SPDR ETF COM 81369Y506 1,951,008 31,848 SH SOLE 0 0 31,848
Innovator US Small Cap Power Buffer ETF COM 45782C599 8,160,539 240,533 SH SOLE 0 0 240,533
iShares Barclays 7-10 Year Treasury Bonds COM 464287440 6,502,995 68,137 SH SOLE 0 0 68,137
iShares Core S&P 500 ETF COM 464287200 30,083,587 46,055 SH SOLE 0 0 46,055
iShares Core U.S. Aggregate Bond ETF COM 464287226 3,014,334 30,365 SH SOLE 0 0 30,365
iShares Gold Trust COM 464285204 3,732,606 42,339 SH SOLE 0 0 42,339
iShares International Aggregate Bond ETF COM 46435G672 2,369,644 47,355 SH SOLE 0 0 47,355
iShares MBS ETF COM 464288588 2,452,179 25,826 SH SOLE 0 0 25,826
Ishares Russell 1000 Growth Etf COM 464287614 14,987,960 35,150 SH SOLE 0 0 35,150
iShares Russell 3000 ETF COM 464287689 18,793,847 50,701 SH SOLE 0 0 50,701
iShares S&P National Muni Bond Fund COM 464288414 1,103,429 10,395 SH SOLE 0 0 10,395
iShares S&P National Short Term Municipal Bond COM 464288158 776,705 7,293 SH SOLE 0 0 7,293
iShares Trust Broad USD Investment Grade COM 464288620 2,302,840 44,951 SH SOLE 0 0 44,951
Janus Henderson AAA CLO ETF COM 47103U845 10,601,827 210,479 SH SOLE 0 0 210,479
Johnson & Johnson Com COM 478160104 250,307 1,024 SH SOLE 0 0 1,024
JP Morgan Ultra-Short Income ETF COM 46641Q837 3,327,000 65,738 SH SOLE 0 0 65,738
JP Morgan Ultra-Short Municipal Income ETF COM 46641Q654 1,520,886 29,833 SH SOLE 0 0 29,833
JPMorgan Active Bond ETF COM 46654Q716 3,139,146 58,381 SH SOLE 0 0 58,381
Microsoft Corp COM 594918104 657,052 1,775 SH SOLE 0 0 1,775
Pimco 0-5 Year High Yield Corporate Bond Index COM 72201R783 2,427,352 26,025 SH SOLE 0 0 26,025
Pimco Enhanced Low Duration Active ETF COM 72201R718 1,241,348 12,955 SH SOLE 0 0 12,955
Pimco Enhanced Short Maturity Active ETF COM 72201R833 2,744,656 27,291 SH SOLE 0 0 27,291
PowerShares FTSE RAFI US 1000 Portfolio COM 46137V613 12,461,891 262,190 SH SOLE 0 0 262,190
S&P Select Utilities SPDR Index Fund COM 81369Y886 2,177,756 47,456 SH SOLE 0 0 47,456
SPDR Blackstone Senior Loan ETF COM 78467V608 2,052,760 51,140 SH SOLE 0 0 51,140
SPDR Portfolio Aggregate Bond ETF COM 78464A649 2,257,737 88,124 SH SOLE 0 0 88,124
SPDR Portfolio S&P 500 Growth ETF COM 78464A409 9,031,904 92,247 SH SOLE 0 0 92,247
SPDR Portfolio Short Term Corporate Bond ETF COM 78464A474 1,450,306 48,231 SH SOLE 0 0 48,231
SPDR Portfolio Total Stock Market ETF COM 78464A805 3,392,544 42,911 SH SOLE 0 0 42,911
SPDR S&P 500 ETF COM 78462F103 632,781 973 SH SOLE 0 0 973
State Street SPDR S&P 500 ETF COM 78464A854 4,174,798 54,544 SH SOLE 0 0 54,544
Vanguard Emerging Market Bond ETF COM 921946885 2,376,664 36,180 SH SOLE 0 0 36,180
Vanguard FTSE Developed Markets ETF COM 921943858 6,782,740 105,848 SH SOLE 0 0 105,848
Vanguard Intermediate Term Bond ETF COM 921937819 2,217,381 28,730 SH SOLE 0 0 28,730
Vanguard S&P 500 ETF COM 922908363 212,130 355 SH SOLE 0 0 355
Vanguard Short-Term Corporate Bond ETF COM 92206C409 1,964,548 24,783 SH SOLE 0 0 24,783
Vanguard Total Stock Market ETF COM 922908769 10,071,188 31,393 SH SOLE 0 0 31,393
Vanguard Ultra-Short Bond ETF COM 92203C303 1,986,521 39,902 SH SOLE 0 0 39,902
Vanguard Value ETF COM 922908744 299,990 1,529 SH SOLE 0 0 1,529