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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
AMERICAN CENTY ETF TR AVANTIS EMERGING MARKETS EQUITY ETF ETP USD 025072604 16,785,861 178,535 SH SOLE 178,535 0 0
AMERICAN CENTY ETF TR AVANTIS INTERNATIONAL EQUITY ETF ETP USD 025072703 24,493,069 271,813 SH SOLE 271,813 0 0
ISHARES ISHARES CORE MSCI EAFE ETF ETP USD 46432F842 21,355,937 220,437 SH SOLE 220,437 0 0
ISHARES ISHARES CORE MSCI EMERGING MARKETS ETF ETP USD 46434G103 16,015,790 197,336 SH SOLE 197,336 0 0
ISHARES ISHARES CORE S&P 500 ETF ETP USD 464287200 61,716,788 80,586 SH SOLE 80,586 0 0
ISHARES ISHARES FLOATING RATE BOND ETF ETP USD 46429B655 23,054,027 451,597 SH SOLE 451,597 0 0
ISHARES ISHARES PREFERRED & INCOME SECURITIES ETF ETP USD 464288687 4,823,516 163,509 SH SOLE 163,509 0 0
SPDR SERIES TRUST STATE STREET SPDR PORTFOLIO S&P 400 MID CAP ETF 78464A847 23,898,716 379,104 SH SOLE 379,104 0 0
SPDR SERIES TRUST STATE STREET SPDR PORTFOLIO S&P 500 ETF ETP USD 78464A854 62,252,779 693,547 SH SOLE 693,547 0 0
SPDR SERIES TRUST STATE STREET SPDR PORTFOLIO S&P 600 SMALL CAP ETF 78468R853 9,546,040 180,591 SH SOLE 180,591 0 0
VANGUARD VANGUARD INTERNATIONAL HIGH DIVIDEND YIELD ETF ETP 921946794 8,095,355 80,049 SH SOLE 80,049 0 0
VANGUARD VANGUARD MORNINGSTAR MID-CAP ETF ETP USD 922908629 50,800,868 647,805 SH SOLE 647,805 0 0
VANGUARD VANGUARD SHORT-TERM BOND ETF ETP USD 921937827 75,843,884 992,721 SH SOLE 992,721 0 0
VANGUARD VANGUARD SHORT-TERM CORPORATE BOND ETF ETP USD 92206C409 22,913,586 296,616 SH SOLE 296,616 0 0
VICTORY PORTFOLIOS II VICTORYSHARES SHORT-TERM BOND ETF ETP USD 92647N535 22,825,537 457,609 SH SOLE 457,609 0 0