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
BNY MELLON ETF TRUST HIGH YIELD ETF 09661T800 6,032,544 131,600 SH SOLE 0 0 131,600
DBX ETF TR XTRACK USD HIGH 233051432 40,696,710 1,155,500 SH SOLE 0 0 1,155,500
INVESCO EXCH TRADED FD TR II SR LN ETF 46138G508 387,869,761 18,985,304 SH SOLE 0 0 18,985,304
ISHARES TR IBOXX HI YD ETF 464288513 75,858,130 982,491 SH SOLE 0 0 982,491
ISHARES TR BROAD USD HIGH 46435U853 281,059,248 7,868,400 SH SOLE 0 0 7,868,400
J P MORGAN EXCHANGE TRADED F BET USD HIG ETF 46641Q878 11,789,109 265,700 SH SOLE 0 0 265,700
NORTHERN LIGHTS FD TR OCEA PK DIVE ETF 66538J282 221,113 8,959 SH SOLE 0 0 8,959
SSGA ACTIVE ETF TR ST STR BL LN ETF 78467V608 160,408,885 3,971,500 SH SOLE 0 0 3,971,500
SPDR SERIES TRUST ST PORT HIGH ETF 78468R606 128,988,900 5,710,000 SH SOLE 0 0 5,710,000
ISHARES TR EAFE SML CP ETF 464288273 8,870,347 105,074 SH SOLE 0 0 105,074
ISHARES TR CORE S&P MCP ETF 464287507 12,073,858 167,809 SH SOLE 0 0 167,809
ISHARES TR CORE S&P SCP ETF 464287804 4,620,871 33,967 SH SOLE 0 0 33,967
VANGUARD INDEX FDS MRNGSTR SM CP GR 922908595 12,047,018 35,660 SH SOLE 0 0 35,660
ISHARES TR FLTG RATE NT ETF 46429B655 5,339,830 104,600 SH SOLE 0 0 104,600
ISHARES INC MSCI CDA ETF 464286509 17,429,057 298,545 SH SOLE 0 0 298,545
PRINCIPAL EXCHANGE TRADED FD SPECTRUM PFD 74255Y888 3,523,200 192,000 SH SOLE 0 0 192,000
SPDR SERIES TRUST ST STR P500ETF 78464A854 169,089,170 1,883,792 SH SOLE 0 0 1,883,792
ISHARES TR INTL SEL DIV ETF 464288448 8,442,810 200,114 SH SOLE 0 0 200,114
AMERICAN CENTY ETF TR US SML CP VALU 025072877 21,315,310 180,991 SH SOLE 0 0 180,991
WISDOMTREE TR JAPN HEDGE EQT 97717W851 13,830,672 76,603 SH SOLE 0 0 76,603
INVESCO EXCH TRADED FD TR II S&P SMLCP INFO 46138E115 212,718 2,632 SH SOLE 0 0 2,632
J P MORGAN EXCHANGE TRADED F BETA CDA ETF NEW 46641Q225 605,673 6,035 SH SOLE 0 0 6,035
JANUS DETROIT STR TR HENDRSON AAA CL 47103U845 20,869,345 413,500 SH SOLE 0 0 413,500
GLOBAL X FDS S&P 500 COVERED 37954Y475 3,970,142 95,620 SH SOLE 0 0 95,620
JANUS DETROIT STR TR B-BBB CLO ETF 47103U753 16,650,967 352,700 SH SOLE 0 0 352,700
VANGUARD INDEX FDS MRNGSTR VAL ETF 922908744 8,609,708 39,845 SH SOLE 0 0 39,845
ISHARES TR TIPS BD ETF 464287176 14,024,592 134,800 SH SOLE 0 0 134,800
DIMENSIONAL ETF TRUST US LARG VALU ETF 25434V666 1,180,998 29,400 SH SOLE 0 0 29,400
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500 805,168 10,400 SH SOLE 0 0 10,400
SPDR INDEX SHS FDS ST PORT MARK ETF 78463X509 930,748 17,982 SH SOLE 0 0 17,982
ISHARES TR RUS 2000 GRW ETF 464287648 315,143 883 SH SOLE 0 0 883
ISHARES TR RUS 2000 VAL ETF 464287630 314,175 1,500 SH SOLE 0 0 1,500
ISHARES TR RUS MDCP VAL ETF 464287473 630,101 3,920 SH SOLE 0 0 3,920
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 1,275,104 37,481 SH SOLE 0 0 37,481
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 635,665 19,481 SH SOLE 0 0 19,481
VANGUARD INDEX FDS MRNGSTR MD CP GR 922908538 643,496 2,203 SH SOLE 0 0 2,203
VICTORY PORTFOLIOS II SHS FR CA FL ETF 92647X830 612,795 11,971 SH SOLE 0 0 11,971
VANGUARD STAR FDS VG TL INTL STK F 921909768 1,636,500 19,262 SH SOLE 0 0 19,262
FIRST TR EXCHANGE-TRADED FD NY ARCA BIOTECH 33733E203 2,431,010 8,929 SH SOLE 0 0 8,929
ISHARES TR EAFE GRWTH ETF 464288885 8,744,594 72,975 SH SOLE 0 0 72,975
ISHARES TR EAFE VALUE ETF 464288877 6,958,543 87,927 SH SOLE 0 0 87,927
ISHARES TR MSCI USA VALUE 46432F388 6,572,808 33,196 SH SOLE 0 0 33,196
SELECT SECTOR SPDR TR ST STR FINL ETF 81369Y605 2,215,299 41,485 SH SOLE 0 0 41,485
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 8,704,336 146,760 SH SOLE 0 0 146,760
AMERICAN CENTY ETF TR INTL SMCP VLU 025072802 1,891,508 17,293 SH SOLE 0 0 17,293
J P MORGAN EXCHANGE TRADED F INFL MANA BD ETF 46654Q104 3,062,990 66,500 SH SOLE 0 0 66,500
GOLDMAN SACHS ETF TR EQUAL WEIGHT US 381430438 1,267,377 13,616 SH SOLE 0 0 13,616
ISHARES TR MSCI USA MMENTM 46432F396 703,225 2,216 SH SOLE 0 0 2,216
ISHARES TR CORE DIVID ETF 46435U861 621,167 9,629 SH SOLE 0 0 9,629
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 2,673,048 74,396 SH SOLE 0 0 74,396
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 3,297,546 4,705 SH SOLE 0 0 4,705
SERIES PORTFOLIOS TR ELDRIDGE BBB B 81752T528 8,771,050 333,500 SH SOLE 0 0 333,500
ISHARES INC CORE MSCI EMKT 46434G103 1,926,495 23,737 SH SOLE 0 0 23,737
ISHARES INC MSCI HONG KG ETF 464286871 2,841,179 128,502 SH SOLE 0 0 128,502
ISHARES TR MSCI US GARP ETF 46436E403 15,196,401 178,236 SH SOLE 0 0 178,236
PGIM ETF TR AAA CLO ETF 69344A834 109,893,954 2,142,600 SH SOLE 0 0 2,142,600
ETF SER SOLUTIONS DEFIA QUANT ETF 26922A420 8,181,415 53,960 SH SOLE 0 0 53,960
TCW ETF TRUST ARTIF INTEL ETF 29287L502 4,515,319 83,370 SH SOLE 0 0 83,370
VANGUARD INDEX FDS MRNGSTR MD CP VA 922908512 2,360,243 12,071 SH SOLE 0 0 12,071
ISHARES TR MSCI JP VALUE 46435U374 3,548,749 73,155 SH SOLE 0 0 73,155