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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
OMB APPROVAL
OMB Number: 3235-0006
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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 13,745,088 352,800 SH SOLE 352,800 0 0
Dimensional EMGR CRE EQT MNG 25434V302 4,716,698 139,300 SH SOLE 139,300 0 0
IShares MRGSTR MD CP GRW 464288307 4,371,735 55,500 SH SOLE 55,500 0 0
IShares MSCI INTL QUALTY 46434V456 9,657,447 208,900 SH SOLE 208,900 0 0
Ballast BALLAST SMLMD CP 90470L550 2,562,702 56,800 SH SOLE 56,800 0 0
VanEck MRNGSTR WDE MOAT 92189F643 10,450,756 108,074 SH SOLE 108,074 0 0
Vanguard DIV APP ETF 921908844 8,742,404 40,651 SH SOLE 40,651 0 0
Vanguard S&P SM CAP 600 921932778 1,461,800 14,368 SH SOLE 14,368 0 0
Vanguard VAN FTSE DEV MKT 921943858 10,515,528 164,100 SH SOLE 164,100 0 0
Vanguard HIGH DIV YLD 921946406 9,227,074 62,303 SH SOLE 62,303 0 0
Vanguard INTL HIGH ETF 921946794 9,424,000 100,000 SH SOLE 100,000 0 0
Vanguard FTSE EMR MKT ETF 922042858 7,248,105 134,100 SH SOLE 134,100 0 0
Vanguard SM CP VAL ETF 922908611 4,975,025 22,900 SH SOLE 22,900 0 0
SPDR SER TR BLOOMBERG SHT TE 78468R408 14,833,124 593,800 SH SOLE 593,800 0 0
Vaneck AA BB CLO ETF 92189H656 1,959,412 39,200 SH SOLE 39,200 0 0
Vaneck CLO ETF 92189H748 11,941,820 226,600 SH SOLE 226,600 0 0
Vanguard SHRT TRM CORP BD 92206C409 17,935,947 226,264 SH SOLE 226,264 0 0
Vanguard MTG-BKD SECS ETF 92206C771 24,958,620 531,600 SH SOLE 531,600 0 0
Vanguard LG-TERM COR BD 92206C813 34,490,752 461,600 SH SOLE 461,600 0 0
IShares GLB INFRASTR ETF 464288372 19,845,400 296,200 SH SOLE 296,200 0 0
Vanguard REAL ESTATE ETF 922908553 7,362,100 83,000 SH SOLE 83,000 0 0