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
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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
ABRDN ETFS BBRG ALL COMD K1 003261104 12,074,658 540,495 SH DFND 1 540,495 0 0
AMERICAN CENTY ETF TR US LARGE CAP VLU 025072349 43,308,332 474,820 SH DFND 1 474,820 0 0
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807 22,379,676 414,285 SH DFND 1 414,285 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 61,414,997 288,645 SH DFND 1 288,645 0 0
ISHARES INC CORE MSCI EMKT 46434G103 5,639,747 68,080 SH DFND 1 68,080 0 0
ISHARES TR CORE MSCI EAFE 46432F842 61,304,445 634,753 SH DFND 1 634,753 0 0
ISHARES TR CORE S&P500 ETF 464287200 154,634,552 206,485 SH DFND 1 206,485 0 0
ISHARES TR CORE US AGGBD ET 464287226 301,971,153 3,050,830 SH DFND 1 3,050,830 0 0
ISHARES TR MSCI INTL QUALTY 46434V456 39,276,600 792,666 SH DFND 1 792,666 0 0
J P MORGAN EXCHANGE TRADED F ULTRA SHRT ETF 46641Q837 25,017,788 494,716 SH DFND 1 494,716 0 0
SCHWAB STRATEGIC TR US REIT ETF 808524847 51,175,203 2,161,115 SH DFND 1 2,161,115 0 0
SPDR SERIES TRUST ST LON TREAS ETF 78464A664 105,076,331 4,005,960 SH DFND 1 4,005,960 0 0
SPDR SERIES TRUST ST STR DOW REIT 78464A607 51,204,217 453,255 SH DFND 1 453,255 0 0
SPDR SERIES TRUST ST STR P400MID 78464A847 95,872,504 1,419,072 SH DFND 1 1,419,072 0 0
SPDR SERIES TRUST ST STR SP600 SML 78468R853 79,541,232 1,379,248 SH DFND 1 1,379,248 0 0