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
SCHWAB U.S. LARGE-CAP ETF ETF 808524201 204,370 6,812 SH SOLE 6,812 0 0
VANGUARD MORNINGSTAR SMALL-CAP ETF ETF 922908751 206,423 726 SH SOLE 725 0 0
EATON VANCE INCOME OPPORTUNITIES ETF ETF 61774R817 245,521 5,099 SH SOLE 5,098 0 0
STATE STREET SPDR S&P 500 ETF ETF 78462F103 266,249 349 SH SOLE 348 0 0
ISHARES NATIONAL MUNI BOND ETF ETF 464288414 300,653 2,974 SH SOLE 2,973 0 0
VANGUARD S&P 500 ETF ETF 922908363 306,378 437 SH SOLE 436 0 0
ISHARES MSCI USA VALUE FACTOR ETF ETF 46432F388 370,360 1,871 SH SOLE 1,870 0 0
STATE STREET UTILITIES SELECT SECTOR SPDR ETF ETF 81369Y886 371,834 9,428 SH SOLE 9,427 0 0
DIMENSIONAL INTERNATIONAL CORE EQUITY MARKET ETF ETF 25434V203 499,483 12,056 SH SOLE 12,055 0 0
STATE STREET REAL ESTATE SELECT SECTOR SPDR ETF ETF 81369Y860 661,718 16,175 SH SOLE 16,174 0 0
SCHWAB INTERNATIONAL EQUITY ETF ETF 808524805 673,425 24,515 SH SOLE 24,514 0 0
IUSV - ISHARES CORE S&P US VALUE ETF ETF 464287663 785,301 7,121 SH SOLE 7,120 0 0
INVESCO S&P INTERNATIONAL DEVELOPED MOMENTUM ETF ETF 46138E222 807,667 13,232 SH SOLE 13,231 0 0
SPDR S&P 600 Sm-cap ETF ETF 78468R853 984,633 18,626 SH SOLE 18,626 0 0
STATE STREET CONSUMER STAPLES SELECT SECTOR SPDR ETF ETF 81369Y308 1,029,061 12,768 SH SOLE 12,767 0 0
ISHARES CORE U.S. AGGREGATE BOND ETF ETF 464287226 1,057,260 11,183 SH SOLE 11,183 0 0
ISHARES MSCI USA QUALITY FACTOR ETF ETF 46432F339 1,286,567 5,789 SH SOLE 5,789 0 0
STATE STREET ENERGY SELECT SECTOR SPDR ETF ETF 81369Y506 1,347,559 21,912 SH SOLE 21,911 0 0
STATE STREET SPDR PORTFOLIO S&P 500 VALUE ETF ETF 78464A508 1,774,036 29,021 SH SOLE 29,020 0 0
STATE STREET SPDR PORTFOLIO S&P 500 GROWTH ETF ETF 78464A409 1,976,602 16,059 SH SOLE 16,059 0 0
ISHARES 0-3 MONTH TREASURY BOND ETF ETF 46436E718 2,164,647 21,500 SH SOLE 21,500 0 0
STATE STREET INDUSTRIAL SELECT SECTOR SPDR ETF ETF 81369Y704 2,252,567 13,490 SH SOLE 13,490 0 0
STATE STREET CONSUMER DISCRETIONARY SELECT SECTOR SPDR ETF ETF 81369Y407 2,453,420 22,542 SH SOLE 22,541 0 0
STATE STREET COMMUNICATION SERVICES SELECT SECTOR SPDR ETF ETF 81369Y852 2,481,792 22,365 SH SOLE 22,364 0 0
STATE STREET HEALTH CARE SELECT SECTOR SPDR ETF ETF 81369Y209 2,618,327 15,546 SH SOLE 15,546 0 0
STATE STREET FINANCIAL SELECT SECTOR SPDR ETF ETF 81369Y605 3,274,881 61,327 SH SOLE 61,327 0 0
ISHARES CORE S&P U.S. GROWTH ETF ETF 464287671 4,826,894 24,913 SH SOLE 24,913 0 0
ISHARES RUSSELL 2000 VALUE ETF ETF 464287630 8,026,333 38,321 SH SOLE 38,320 0 0
ISHARES CORE S&P 500 ETF ETF 464287200 9,588,095 12,519 SH SOLE 12,519 0 0
STATE STREET TECHNOLOGY SELECT SECTOR SPDR ETF ETF 81369Y803 11,603,002 59,275 SH SOLE 59,274 0 0
STATE STREET SPDR PORTFOLIO S&P 1500 COMPOSITE STOCK MARKET ETF ETF 78464A805 16,761,129 182,087 SH SOLE 182,087 0 0
PIMCO MULTISECTOR BOND ACTIVE EXCHANGE-TRADED FUND ETF 72201R585 39,972,469 1,574,337 SH SOLE 1,574,337 0 0