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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
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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 12,531,750 303,800 SH SOLE 303,800 0 0
Dimensional EMGR CRE EQT MNG 25434V302 4,555,793 113,300 SH SOLE 113,300 0 0
IShares MRGSTR MD CP GRW 464288307 5,455,650 55,500 SH SOLE 55,500 0 0
IShares MSCI INTL QUALTY 46434V456 5,400,950 109,000 SH SOLE 109,000 0 0
VanEck MRNGSTR WDE MOAT 92189F643 7,804,693 75,074 SH SOLE 75,074 0 0
Vanguard DIV APP ETF 921908844 7,087,006 29,951 SH SOLE 29,951 0 0
Vanguard S&P SMALL CAP 600 V 921932778 773,557 6,593 SH SOLE 6,593 0 0
Vanguard VAN FTSE DEV MKT 921943858 8,977,500 126,000 SH SOLE 126,000 0 0
Vanguard HIGH DIV YLD 921946406 8,470,882 53,603 SH SOLE 53,603 0 0
Vanguard INTL HIGH ETF 921946794 8,347,000 85,000 SH SOLE 85,000 0 0
Vanguard FTSE EMR MKT ETF 922042858 6,148,070 103,000 SH SOLE 103,000 0 0
Vanguard SM CP VAL ETF 922908611 5,831,760 24,000 SH SOLE 24,000 0 0
Vanguard TOTAL STK MKT 922908769 7,400,800 20,000 SH SOLE 20,000 0 0
SPDR SER TR BLOOMBERG SHT TE 78468R408 17,365,814 693,800 SH SOLE 693,800 0 0
Vaneck AA BB CLO ETF 92189H656 1,980,031 39,200 SH SOLE 39,200 0 0
Vaneck CLO ETF 92189H748 14,116,470 266,600 SH SOLE 266,600 0 0
Vanguard SHRT TRM CORP BD 92206C409 21,833,144 276,264 SH SOLE 276,264 0 0
Vanguard MTG-BKD SECS ETF 92206C771 30,527,984 652,168 SH SOLE 652,168 0 0
Vanguard LG-TERM COR BD 92206C813 57,310,400 761,600 SH SOLE 761,600 0 0
IShares GLB INFRASTR ETF 464288372 20,914,664 314,034 SH SOLE 314,034 0 0
Vanguard REAL ESTATE ETF 922908553 27,289,690 283,000 SH SOLE 283,000 0 0