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
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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
Alphabet Inc. - Class A COM 02079K305 378,097 1,058 SH SOLE 0 0 1,058
Amazon.com Inc. COM 023135106 265,272 1,113 SH SOLE 0 0 1,113
Apple Inc COM 037833100 330,738 1,143 SH SOLE 0 0 1,143
Applied Materials Inc COM 038222105 315,228 436 SH SOLE 0 0 436
Capital Group Core Plus Income ETF COM 14020Y102 6,395,558 286,925 SH SOLE 0 0 286,925
Dimensional Emerging Core Equity Market ETF COM 25434V302 9,819,925 244,216 SH SOLE 0 0 244,216
Dimensional International Value ETF COM 25434V807 7,243,920 134,097 SH SOLE 0 0 134,097
Dimensional Large Cap Value ETF COM 25434V666 3,881,444 98,165 SH SOLE 0 0 98,165
Dimensional National Municipal Bond ETF COM 25434V849 7,951,397 164,506 SH SOLE 0 0 164,506
Direxion Auspice Broad Commodity Strategy ETF COM 25460E307 2,026,351 62,158 SH SOLE 0 0 62,158
Energy Select Sector SPDR ETF COM 81369Y506 1,697,714 31,966 SH SOLE 0 0 31,966
Innovator US Small Cap Power Buffer ETF COM 45782C599 8,947,309 239,489 SH SOLE 0 0 239,489
iShares Barclays 7-10 Year Treasury Bonds COM 464287440 6,409,671 67,777 SH SOLE 0 0 67,777
iShares Core S&P 500 ETF COM 464287200 32,629,886 43,571 SH SOLE 0 0 43,571
iShares Core U.S. Aggregate Bond ETF COM 464287226 2,853,197 28,826 SH SOLE 0 0 28,826
iShares Gold Trust COM 464285204 3,215,216 42,580 SH SOLE 0 0 42,580
iShares International Aggregate Bond ETF COM 46435G672 2,381,287 47,061 SH SOLE 0 0 47,061
iShares MBS ETF COM 464288588 2,423,587 25,641 SH SOLE 0 0 25,641
Ishares Russell 1000 Growth Etf COM 464287614 16,156,380 130,115 SH SOLE 0 0 130,115
iShares Russell 3000 ETF COM 464287689 20,529,028 48,145 SH SOLE 0 0 48,145
iShares S&P National Muni Bond Fund COM 464288414 1,085,240 10,084 SH SOLE 0 0 10,084
iShares S&P National Short Term Municipal Bond COM 464288158 776,060 7,289 SH SOLE 0 0 7,289
iShares Trust Broad USD Investment Grade COM 464288620 2,353,903 45,894 SH SOLE 0 0 45,894
Janus Henderson AAA CLO ETF COM 47103U845 10,576,393 209,475 SH SOLE 0 0 209,475
Johnson & Johnson Com COM 478160104 267,176 1,052 SH SOLE 0 0 1,052
JP Morgan Ultra-Short Income ETF COM 46641Q837 3,289,123 65,041 SH SOLE 0 0 65,041
JP Morgan Ultra-Short Municipal Income ETF COM 46641Q654 1,505,520 29,520 SH SOLE 0 0 29,520
JPMorgan Active Bond ETF COM 46654Q716 3,103,749 58,014 SH SOLE 0 0 58,014
Microsoft Corp COM 594918104 682,627 1,830 SH SOLE 0 0 1,830
Pimco 0-5 Year High Yield Corporate Bond Index COM 72201R783 826,810 8,841 SH SOLE 0 0 8,841
Pimco Enhanced Low Duration Active ETF COM 72201R718 1,252,873 13,104 SH SOLE 0 0 13,104
Pimco Enhanced Short Maturity Active ETF COM 72201R833 2,711,184 26,894 SH SOLE 0 0 26,894
PowerShares FTSE RAFI US 1000 Portfolio COM 46137V613 14,033,968 259,744 SH SOLE 0 0 259,744
S&P Select Utilities SPDR Index Fund COM 81369Y886 2,150,431 47,429 SH SOLE 0 0 47,429
SPDR Blackstone Senior Loan ETF COM 78467V608 724,172 17,974 SH SOLE 0 0 17,974
SPDR Portfolio Aggregate Bond ETF COM 78464A649 1,983,083 77,707 SH SOLE 0 0 77,707
SPDR Portfolio S&P 500 Growth ETF COM 78464A409 10,569,882 88,830 SH SOLE 0 0 88,830
SPDR Portfolio Short Term Corporate Bond ETF COM 78464A474 1,449,783 48,310 SH SOLE 0 0 48,310
SPDR Portfolio Total Stock Market ETF COM 78464A805 3,704,414 40,802 SH SOLE 0 0 40,802
SPDR S&P 500 ETF COM 78462F103 694,496 930 SH SOLE 0 0 930
State Street SPDR S&P 500 ETF COM 78464A854 4,669,328 53,133 SH SOLE 0 0 53,133
Vanguard Emerging Market Bond ETF COM 921946885 2,427,633 36,104 SH SOLE 0 0 36,104
Vanguard FTSE Developed Markets ETF COM 921943858 7,417,624 104,107 SH SOLE 0 0 104,107
Vanguard Intermediate Term Bond ETF COM 921937819 2,134,945 27,835 SH SOLE 0 0 27,835
Vanguard S&P 500 ETF COM 922908363 243,818 355 SH SOLE 0 0 355
Vanguard Short-Term Corporate Bond ETF COM 92206C409 1,918,848 24,280 SH SOLE 0 0 24,280
Vanguard Short-term Inflation-Protected Securities COM 922020805 4,755,425 94,673 SH SOLE 0 0 94,673
Vanguard Total Stock Market ETF COM 922908769 11,027,192 29,800 SH SOLE 0 0 29,800
Vanguard Ultra-Short Bond ETF COM 92203C303 1,971,935 39,613 SH SOLE 0 0 39,613
Vanguard Value ETF COM 922908744 333,215 1,529 SH SOLE 0 0 1,529
Visa Inc. COM 92826C839 209,285 610 SH SOLE 0 0 610