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
Estimated average burden
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
ADVANCED MICRO DEVICES INC COM 007903107 375,621 614 SH SOLE NONE 614 0 0
ALPHABET INC CAP STK CL A 02079K305 306,575 891 SH SOLE NONE 891 0 0
AMAZON COM INC COM 023135106 207,791 834 SH SOLE NONE 834 0 0
APPLE INC COM 037833100 435,590 1,308 SH SOLE NONE 1,308 0 0
BIOGEN INC COM 09062X103 158,116 700 SH DFND NONE 0 0 700
BIOGEN INC COM 09062X103 80,187 355 SH SOLE NONE 355 0 0
COLGATE PALMOLIVE CO COM 194162103 375,408 4,400 SH DFND NONE 0 0 4,400
DELL TECHNOLOGIES INC CL C 24703L202 247,457 460 SH DFND NONE 0 0 460
EXCHANGE LISTED FDS TR BANCREEK INT LC 30151E541 76,543 2,654 SH DFND NONE 2,654 0 0
EXCHANGE LISTED FDS TR BANCREEK INT LC 30151E541 2,166,283 75,112 SH SOLE NONE 75,112 0 0
EXCHANGE LISTED FDS TR BANC US LARG ETF 30151E558 25,731 760 SH DFND NONE 760 0 0
EXCHANGE LISTED FDS TR BANC US LARG ETF 30151E558 581,254 17,168 SH SOLE NONE 17,168 0 0
INVESCO EXCH TRADED FD TR II S&P EMRNG MKTS 46138E297 69,341 2,480 SH DFND NONE 2,480 0 0
INVESCO EXCH TRADED FD TR II S&P EMRNG MKTS 46138E297 1,533,075 54,831 SH SOLE NONE 54,831 0 0
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354 253,131 3,590 SH DFND NONE 3,590 0 0
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354 5,624,230 79,765 SH SOLE NONE 79,765 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 1,505,441 7,237 SH SOLE NONE 7,237 0 0
ISHARES INC MSCI ISRAEL ETF 464286632 473,512 3,903 SH SOLE NONE 3,903 0 0
ISHARES INC MSCI PAC JP ETF 464286665 33,954 617 SH DFND NONE 617 0 0
ISHARES INC MSCI PAC JP ETF 464286665 948,057 17,228 SH SOLE NONE 17,228 0 0
ISHARES INC MSCI JAPAN ETF 46434G822 68,319 701 SH DFND NONE 701 0 0
ISHARES INC MSCI JAPAN ETF 46434G822 1,966,548 20,178 SH SOLE NONE 20,178 0 0
ISHARES TR CORE S&P500 ETF 464287200 65,863 86 SH DFND NONE 86 0 0
ISHARES TR CORE S&P500 ETF 464287200 2,001,166 2,613 SH SOLE NONE 2,613 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 35,866 537 SH DFND NONE 537 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 2,129,532 31,884 SH SOLE NONE 31,884 0 0
ISHARES TR 7-10 YR TRSY BD 464287440 54,211 607 SH DFND NONE 607 0 0
ISHARES TR 7-10 YR TRSY BD 464287440 1,750,387 19,599 SH SOLE NONE 19,599 0 0
ISHARES TR 1 3 YR TREAS BD 464287457 218,103 2,686 SH DFND NONE 2,686 0 0
ISHARES TR 1 3 YR TREAS BD 464287457 4,098,083 50,469 SH SOLE NONE 50,469 0 0
ISHARES TR RUS MID CAP ETF 464287499 282,141 2,644 SH SOLE NONE 2,644 0 0
ISHARES TR INTL TREA BD ETF 464288117 71,546 1,799 SH DFND NONE 1,799 0 0
ISHARES TR INTL TREA BD ETF 464288117 1,355,362 34,080 SH SOLE NONE 34,080 0 0
ISHARES TR ISHS 5-10YR INVT 464288638 137,858 2,738 SH DFND NONE 2,738 0 0
ISHARES TR ISHS 5-10YR INVT 464288638 3,011,887 59,819 SH SOLE NONE 59,819 0 0
ISHARES TR ISHS 1-5YR INVS 464288646 134,940 2,634 SH DFND NONE 2,634 0 0
ISHARES TR ISHS 1-5YR INVS 464288646 2,962,324 57,824 SH SOLE NONE 57,824 0 0
ISHARES TR 3 7 YR TREAS BD 464288661 138,624 1,222 SH DFND NONE 1,222 0 0
ISHARES TR 3 7 YR TREAS BD 464288661 2,700,099 23,802 SH SOLE NONE 23,802 0 0
ISHARES TR 10+ YR INVST GRD 464289511 314,871 6,896 SH SOLE NONE 6,896 0 0
ISHARES TR CORE MSCI EURO 46434V738 85,197 1,156 SH DFND NONE 1,156 0 0
ISHARES TR CORE MSCI EURO 46434V738 3,111,983 42,225 SH SOLE NONE 42,225 0 0
ISHARES TR BROAD USD HIGH 46435U853 31,398 879 SH DFND NONE 879 0 0
ISHARES TR BROAD USD HIGH 46435U853 595,988 16,685 SH SOLE NONE 16,685 0 0
JOHNSON & JOHNSON COM 478160104 251,503 950 SH DFND NONE 0 0 950
JOHNSON & JOHNSON COM 478160104 72,274 273 SH SOLE NONE 273 0 0
JPMORGAN CHASE & CO COM 46625H100 165,415 500 SH DFND NONE 0 0 500
JPMORGAN CHASE & CO COM 46625H100 151,520 458 SH SOLE NONE 458 0 0
MICROSOFT CORP COM 594918104 367,236 716 SH SOLE NONE 716 0 0
NEXTERA ENERGY INC COM 65339F101 212,072 2,800 SH DFND NONE 0 0 2,800
NEXTERA ENERGY INC COM 65339F101 33,856 447 SH SOLE NONE 447 0 0
PROCTER & GAMBLE CO COM 742718109 655,503 4,512 SH DFND NONE 0 0 4,512
PROCTER & GAMBLE CO COM 742718109 36,029 248 SH SOLE NONE 248 0 0
S&P GLOBAL INC COM 78409V104 670,599 1,700 SH DFND NONE 0 0 1,700
SELECT SECTOR SPDR TR ST STR STAPL ETF 81369Y308 374,065 4,641 SH SOLE NONE 4,641 0 0
SHELL PLC SPON ADS 780259305 1,687,803 17,757 SH DFND NONE 0 0 17,757
SPDR SERIES TRUST SST SPDR BLOOMBE 78464A151 158,095 5,291 SH DFND NONE 5,291 0 0
SPDR SERIES TRUST SST SPDR BLOOMBE 78464A151 2,977,004 99,632 SH SOLE NONE 99,632 0 0
UNILEVER PLC SPON ADR NEW 904767803 695,237 11,448 SH DFND NONE 0 0 11,448
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771 103,564 2,332 SH DFND NONE 2,332 0 0
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771 1,943,737 43,768 SH SOLE NONE 43,768 0 0
ALPHABET INC CAP STK CL C 02079K107 228,977 672 SH SOLE NONE 672 0 0
AMAZON COM INC COM 023135106 240,181 964 SH SOLE NONE 964 0 0
DISNEY WALT CO COM 254687106 257,425 2,454 SH SOLE NONE 2,454 0 0
INTEL CORP COM 458140100 454,109 3,777 SH SOLE NONE 3,777 0 0
META PLATFORMS INC CL A 30303M102 251,637 347 SH SOLE NONE 347 0 0
MICROSOFT CORP COM 594918104 330,821 645 SH SOLE NONE 645 0 0
NVIDIA CORPORATION COM 67066G104 264,692 1,159 SH SOLE NONE 1,159 0 0