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
SIMPLIFY EXCHANGE TRADED FUN SHORT TERM TREA 82889N657 62,555 2,967,492 SH SOLE - 2,967,492 0 0
VANECK ETF TRUST FALLEN ANGEL HG 92189F437 74,258 2,587,512 SH SOLE - 2,587,512 0 0
ISHARES INC CORE MSCI EMKT 46434G103 140,761 2,037,659 SH SOLE - 2,037,659 0 0
VANECK ETF TRUST MRNGSTR WDE MOAT 92189F643 107,161 1,107,967 SH SOLE - 1,107,967 0 0
SPDR INDEX SHS FDS STATE STREET SPD 78463X202 48,930 802,765 SH SOLE - 802,765 0 0
ISHARES TR CORE MSCI EAFE 46432F842 61,831 685,189 SH SOLE - 685,189 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 39,739 480,641 SH SOLE - 480,641 0 0
J P MORGAN EXCHANGE TRADED F BETABULDRS JAPAN 46641Q217 26,470 384,185 SH SOLE - 384,185 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 63,025 328,428 SH SOLE - 328,428 0 0
J P MORGAN EXCHANGE TRADED F INTRNL RES EQT 46641Q134 24,360 322,180 SH SOLE - 322,180 0 0
VANECK ETF TRUST MRNGSTR INT MOAT 92189F593 10,724 314,273 SH SOLE - 314,273 0 0
REGIONS FINANCIAL CORP NEW COM 7591EP100 7,290 279,090 SH SOLE - 279,090 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 145,151 242,780 SH SOLE - 242,780 0 0
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 29,623 200,033 SH SOLE - 200,033 0 0
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 105,314 161,923 SH SOLE - 161,923 0 0