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
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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
INVESCO QQQ TR UNIT SER 1 46090E103 21,216,620 28,811 SH SOLE 28,811 0 0
ISHARES INC CORE MSCI EMKT 46434G103 11,919,238 143,883 SH SOLE 143,883 0 0
ISHARES TR 0-3 MTH TREASURY 46436E718 2,129,171 21,150 SH SOLE 21,150 0 0
ISHARES TR CORE MSCI EAFE 46432F842 15,256,216 157,965 SH SOLE 157,965 0 0
ISHARES TR CORE S&P MCP ETF 464287507 669,582 8,683 SH SOLE 8,683 0 0
ISHARES TR CORE S&P500 ETF 464287200 34,216,536 45,690 SH SOLE 45,690 0 0
ISHARES TR CORE US AGGBD ET 464287226 57,674,139 582,685 SH SOLE 582,685 0 0
ISHARES TR IBOXX INV CP ETF 464287242 645,392 5,917 SH SOLE 5,917 0 0
ISHARES TR MSCI USA MIN ETF 46429B697 23,262,465 241,162 SH SOLE 241,162 0 0
ISHARES TR MSCI USA MMENTM 46432F396 1,090,816 3,182 SH SOLE 3,182 0 0
ISHARES TR S&P 500 GRWT ETF 464287309 25,104,595 182,539 SH SOLE 182,539 0 0
ISHARES TR TRUST ISHARE 0-1 464288679 7,581,817 68,707 SH SOLE 68,707 0 0
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 314,468 421 SH SOLE 421 0 0
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 11,335,827 145,499 SH SOLE 145,499 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 12,492,279 129,548 SH SOLE 129,548 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 261,675 381 SH SOLE 381 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 263,098 711 SH SOLE 711 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 31,467,446 398,171 SH SOLE 398,171 0 0
VANGUARD WORLD FD CONSUM DIS ETF 92204A108 15,281,336 38,530 SH SOLE 38,530 0 0
VANGUARD WORLD FD HEALTH CAR ETF 92204A504 13,310,389 44,515 SH SOLE 44,515 0 0