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
ABBVIE INC COM 00287Y109 745,299 3,427 SH SOLE 0 0 3,427
ALPHABET INC CAP STK CL A 02079K305 255,066 887 SH SOLE 0 0 887
AMAZON COM INC COM 023135106 11,017,066 52,898 SH SOLE 0 0 52,898
ELI LILLY & CO COM 532457108 742,254 807 SH SOLE 0 0 807
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309 9,802,962 214,883 SH SOLE 0 0 214,883
ISHARES TR 0-3 MNTH TREASRY 46436E718 2,398,929 23,832 SH SOLE 0 0 23,832
ISHARES TR 7-10 YR TRSY BD 464287440 52,525,260 550,348 SH SOLE 0 0 550,348
ISHARES TR CORE INTL AGGR 46435G672 43,429,972 867,905 SH SOLE 0 0 867,905
ISHARES TR CORE MSCI INTL 46435G326 30,975,749 370,656 SH SOLE 0 0 370,656
ISHARES TR JPMORGAN USD EMG 464288281 45,779,416 487,378 SH SOLE 0 0 487,378
ISHARES TR MSCI USA MMENTM 46432F396 16,593,229 69,141 SH SOLE 0 0 69,141
JPMORGAN CHASE & CO COM 46625H100 761,286 2,588 SH SOLE 0 0 2,588
NVIDIA CORPORATION COM 67066G104 1,309,046 7,506 SH SOLE 0 0 7,506
PACER FDS TR US CASH COWS 100 69374H881 868,833 13,888 SH SOLE 0 0 13,888
SELECT SECTOR SPDR TR STATE STREET UTI 81369Y886 1,155,418 25,178 SH SOLE 0 0 25,178
VANGUARD INDEX FDS MID CAP ETF 922908629 20,960,045 72,986 SH SOLE 0 0 72,986
VISA INC COM CL A 92826C839 407,117 1,347 SH SOLE 0 0 1,347
WALMART INC COM 931142103 329,466 2,651 SH SOLE 0 0 2,651
PIMCO ETF TR ACTIVE BD ETF 72201R775 56,125,527 608,209 SH SOLE 0 0 608,209
APPLE INC COM 037833100 2,718,546 10,712 SH SOLE 0 0 10,712
GLOBAL X FDS X EMERGING MKT 37954Y350 8,279,717 353,381 SH SOLE 0 0 353,381
INVESCO QQQ TR UNIT SER 1 46090E103 24,610,880 42,640 SH SOLE 0 0 42,640
MICROSOFT CORP COM 594918104 8,300,607 22,424 SH SOLE 0 0 22,424
TESLA INC COM 88160R101 956,141 2,572 SH SOLE 0 0 2,572
GOLDMAN SACHS GROUP INC COM 38141G104 326,552 386 SH SOLE 0 0 386
GLOBAL X FDS ARTIFICIAL ETF 37954Y632 10,990,574 235,495 SH SOLE 0 0 235,495
SELECT SECTOR SPDR TR STATE STREET CON 81369Y308 8,140,096 99,294 SH SOLE 0 0 99,294
SELECT SECTOR SPDR TR STATE STREET ENE 81369Y506 19,130,583 312,285 SH SOLE 0 0 312,285
SELECT SECTOR SPDR TR STATE STREET FIN 81369Y605 20,010,105 405,309 SH SOLE 0 0 405,309
SELECT SECTOR SPDR TR STATE STREET HEA 81369Y209 8,486,675 57,886 SH SOLE 0 0 57,886
SPDR SERIES TRUST STATE STREET SPD 78468R853 10,676,594 220,956 SH SOLE 0 0 220,956
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 20,859,841 385,936 SH SOLE 0 0 385,936
ISHARES TR CORE MSCI EAFE 46432F842 225,058 2,486 SH SOLE 0 0 2,486
ISHARES TR CORE S&P500 ETF 464287200 526,141 805 SH SOLE 0 0 805
VANGUARD INDEX FDS GROWTH ETF 922908736 586,609 1,343 SH SOLE 0 0 1,343
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 276,973 1,503 SH SOLE 0 0 1,503
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 270,690 453 SH SOLE 0 0 453
VANGUARD INDEX FDS VALUE ETF 922908744 474,129 2,417 SH SOLE 0 0 2,417
JOHNSON & JOHNSON COM 478160104 305,061 1,248 SH SOLE 0 0 1,248
SPDR GOLD TR GOLD SHS 78463V107 632,526 1,470 SH SOLE 0 0 1,470
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 472,012 985 SH SOLE 0 0 985
ISHARES TR U.S. TECH ETF 464287721 673,975 3,715 SH SOLE 0 0 3,715
VANGUARD WORLD FD HEALTH CAR ETF 92204A504 217,319 798 SH SOLE 0 0 798
ISHARES TR CORE S&P TTL STK 464287150 342,829 2,407 SH SOLE 0 0 2,407
ISHARES TR RUS 1000 ETF 464287622 215,719 605 SH SOLE 0 0 605
ISHARES TR CORE S&P SCP ETF 464287804 299,960 2,413 SH SOLE 0 0 2,413
ISHARES TR RUS 1000 GRW ETF 464287614 778,180 1,825 SH SOLE 0 0 1,825
ISHARES TR RUS MDCP VAL ETF 464287473 354,440 2,432 SH SOLE 0 0 2,432
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 1,321,759 6,146 SH SOLE 0 0 6,146
VANGUARD INDEX FDS TOTAL STK MKT 922908769 1,319,492 4,113 SH SOLE 0 0 4,113
WISDOMTREE TR FLOATNG RAT TREA 97717Y527 500,178 9,936 SH SOLE 0 0 9,936
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 745,846 25,604 SH SOLE 0 0 25,604
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 473,307 15,518 SH SOLE 0 0 15,518
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 370,216 5,777 SH SOLE 0 0 5,777
VANGUARD INDEX FDS SM CP VAL ETF 922908611 285,032 1,312 SH SOLE 0 0 1,312
COSTCO WHOLESALE CORPORATION COM 22160K105 615,571 618 SH SOLE 0 0 618
ALPHABET INC CAP STK CL C 02079K107 534,170 1,862 SH SOLE 0 0 1,862
WABTEC COM 929740108 267,404 1,070 SH SOLE 0 0 1,070
ABBOTT LABORATORIES COM 002824100 355,033 3,458 SH SOLE 0 0 3,458
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 222,544 6,754 SH SOLE 0 0 6,754
AMERICAN EXPRESS CO COM 025816109 386,267 1,277 SH SOLE 0 0 1,277
EXXON MOBIL CORP COM 30231G102 861,703 5,079 SH SOLE 0 0 5,079
NORFOLK SOUTHN CORP COM 655844108 280,112 976 SH SOLE 0 0 976
ASML HLDG NV N Y REGISTRY SHS N07059210 546,824 414 SH SOLE 0 0 414
PALO ALTO NETWORKS INC COM 697435105 579,076 3,612 SH SOLE 0 0 3,612
ISHARES TR CORE S&P US VLU 464287663 570,248 5,577 SH SOLE 0 0 5,577
MICROCHIP TECHNOLOGY INC. NOTE 1.625% 2/1 595017AF1 18,465 10,000 SH SOLE 0 0 10,000
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 258,125 5,372 SH SOLE 0 0 5,372
ENSIGN GROUP INC COM 29358P101 287,742 1,428 SH SOLE 0 0 1,428
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 267,845 10,822 SH SOLE 0 0 10,822
INVESCO EXCH TRADED FD TR II BLOOMBERG ENHANC 46138E719 332,303 18,523 SH SOLE 0 0 18,523
ISHARES TR US TREAS BD ETF 46429B267 307,704 13,431 SH SOLE 0 0 13,431
ISHARES TR 0-5YR HI YL CP 46434V407 990,350 23,407 SH SOLE 0 0 23,407
ALLSTATE CORP COM 020002101 207,340 1,000 SH SOLE 0 0 1,000