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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
PIMCO MULTISECTOR BOND ACTIVE EXCHANGE-TRADED FUND ETF 72201R585 2,088,631 79,719 SH SOLE 79,718 0 0
SCHWAB US DIVIDEND EQUITY ETF ETF 808524797 906,209 29,537 SH SOLE 29,537 0 0
ISHARES CURRENCY HEDGED MSCI EAFE ETF ETF 46434V803 1,161,000 27,321 SH SOLE 27,320 0 0
SCHWAB U.S. LARGE-CAP GROWTH ETF ETF 808524300 767,782 26,357 SH SOLE 26,357 0 0
JPMORGAN MUNICIPAL ETF ETF 46641Q647 1,149,920 23,003 SH SOLE 23,002 0 0
SCHWAB U.S. LARGE-CAP ETF ETF 808524201 583,197 22,746 SH SOLE 22,745 0 0
ISHARES CORE DIVIDEND GROWTH ETF ETF 46434V621 1,251,433 17,832 SH SOLE 17,831 0 0
STRIVE 500 ETF ETF 02072L680 728,046 17,347 SH SOLE 17,346 0 0
VANGUARD FTSE DEVELOPED MARKETS ETF ETF 921943858 1,099,739 17,162 SH SOLE 17,161 0 0
T. ROWE PRICE CAPITAL APPRECIATION EQUITY ETF ETF 87283Q867 578,353 16,250 SH SOLE 16,250 0 0
SCHWAB SHORT-TERM US TREASURY ETF ETF 808524862 357,989 14,750 SH SOLE 14,750 0 0
VANGUARD SHORT-TERM TREASURY ETF ETF 92206C102 772,824 13,202 SH SOLE 13,201 0 0
ISHARES U.S. INFRASTRUCTURE ETF ETF 46435U713 718,918 12,568 SH SOLE 12,568 0 0
FIDELITY TOTAL BOND ETF ETF 316188309 490,643 10,755 SH SOLE 10,754 0 0