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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309   2,197,351 47,727 SH   SOLE   0 0 0
FIRST TR EXCH TRADED FD III PFD SEC S INC ETF 33739E108   3,341,972 198,219 SH   SOLE   0 0 0
ISHARES TR 10+ YR INVST GRD 464289511   55,259,006 1,048,757 SH   SOLE   0 0 0
ISHARES TR CORE MSCI TOTAL 46432F834   4,693,466 72,285 SH   SOLE   0 0 0
ISHARES TR CORE TOTAL USD 46434V613   4,361,447 94,670 SH   SOLE   0 0 0
ISHARES TR CORE US AGGBD ET 464287226   1,525,770 15,373 SH   SOLE   0 0 0
ISHARES TR EDGE MSCI USA QLT FCT 46432F339   2,356,447 16,015 SH   SOLE   0 0 0
ISHARES TR IBOXX INV CP ETF 464287242   2,067,460 18,683 SH   SOLE   0 0 0
ISHARES TR INTL RE ETF 464288489   1,027,747 47,231 SH   SOLE   0 0 0
ISHARES TR INTL SEL DIV ETF 464288448   7,894,803 282,058 SH   SOLE   0 0 0
ISHARES TR JPMORGAN USD EMG 464288281   2,315,293 25,997 SH   SOLE   0 0 0
ISHARES TR RUSSELL 3000 ETF 464287689   10,657,793 38,934 SH   SOLE   0 0 0
ISHARES TR SHORT TREAS BD 464288679   498,008 4,522 SH   SOLE   0 0 0
ISHARES TR U.S. REAL ES ETF 464287739   1,458,904 15,960 SH   SOLE   0 0 0
PIMCO ETF TR INTER MUNI BD ACT 72201R817   14,138,492 145,368 SH   SOLE   0 0 0
SCHWAB STRATEGIC TR SCHWAB US BD MKT ETF 808524102   50,305,028 903,629 SH   SOLE   0 0 0
SPDR SER TR BLOOMBERG HIGH Y 78468R622   2,305,159 24,334 SH   SOLE   0 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   2,903,181 70,637 SH   SOLE   0 0 0
VANGUARD TAX-MANAGED FUNDS VAN FTSE DEV MKT 921943858   10,894,280 227,438 SH   SOLE   0 0 0
VANGUARD WHITEHALL FDS ETF 921946406   7,408,660 66,368 SH   SOLE   0 0 0
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706   6,411,899 108,090 SH   SOLE   0 0 0
VANGUARD SCOTTSDALE FDS LG-TERM COR BD 92206C813   56,065,727 699,510 SH   SOLE   0 0 0
VANGUARD INDEX FUNDS REAL ESTATE ETF 922908553   5,637,456 63,801 SH   SOLE   0 0 0
VANGUARD BD INDEX FDS TOTAL BD MKT 921937835   6,531,019 88,797 SH   SOLE   0 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769   117,797,996 496,577 SH   SOLE   0 0 0