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
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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
Capital Group Core Plus Income ETF COM 14020Y102   7,097,929 312,753 SH   SOLE   0 0 312,753
Dimensional International Value ETF COM 25434V807   3,738,883 108,815 SH   SOLE   0 0 108,815
Dimensional Large Cap Value ETF COM 25434V666   1,026,980 37,966 SH   SOLE   0 0 37,966
Dimensional National Municipal Bond ETF COM 25434V849   9,166,741 188,966 SH   SOLE   0 0 188,966
Invesco Senior Loan ETF COM 46138G508   283,706 13,395 SH   SOLE   0 0 13,395
iShares Barclays 7-10 Year Treasury Bonds COM 464287440   7,145,391 74,130 SH   SOLE   0 0 74,130
iShares Core S&P 500 ETF COM 464287200   24,013,804 50,277 SH   SOLE   0 0 50,277
iShares Core U.S. Aggregate Bond ETF COM 464287226   3,132,628 31,563 SH   SOLE   0 0 31,563
iShares Gold Trust COM 464285204   2,029,638 52,002 SH   SOLE   0 0 52,002
Ishares Russell 1000 Growth Etf COM 464287614   12,363,576 40,781 SH   SOLE   0 0 40,781
iShares Russell 3000 ETF COM 464287689   16,207,872 59,209 SH   SOLE   0 0 59,209
iShares S&P National Muni Bond Fund COM 464288414   1,000,841 9,232 SH   SOLE   0 0 9,232
iShares S&P National Short Term Municipal Bond Fund COM 464288158   683,503 6,483 SH   SOLE   0 0 6,483
iShares Trust Broad USD Investment Grade Corporate Bond ETF COM 464288620   2,156,662 42,073 SH   SOLE   0 0 42,073
Janus Henderson AAA CLO ETF COM 47103U845   11,391,290 226,467 SH   SOLE   0 0 226,467
JP Morgan Ultra-Short Income ETF COM 46641Q837   6,945,101 138,266 SH   SOLE   0 0 138,266
JP Morgan Ultra-Short Municipal Income ETF COM 46641Q654   1,770,927 34,902 SH   SOLE   0 0 34,902
Microsoft Corp COM 594918104   324,523 863 SH   SOLE   0 0 863
Pimco 0-5 Year High Yield Corporate Bond Index Fund COM 72201R783   2,618,433 28,131 SH   SOLE   0 0 28,131
Pimco Enhanced Low Duration Active ETF COM 72201R718   1,161,758 12,260 SH   SOLE   0 0 12,260
Pimco Enhanced Short Maturity Active ETF COM 72201R833   6,644,916 66,589 SH   SOLE   0 0 66,589
PowerShares FTSE RAFI US 1000 Portfolio COM 46137V613   10,717,837 304,484 SH   SOLE   0 0 304,484
SPDR Blackstone Senior Loan ETF COM 78467V608   2,191,723 52,271 SH   SOLE   0 0 52,271
SPDR Portfolio Aggregate Bond ETF COM 78464A649   2,623,305 102,313 SH   SOLE   0 0 102,313
SPDR Portfolio Large Cap ETF COM 78464A854   3,044,929 54,471 SH   SOLE   0 0 54,471
SPDR Portfolio S&P 500 Growth ETF COM 78464A409   5,737,251 88,184 SH   SOLE   0 0 88,184
SPDR Portfolio Short Term Corporate Bond ETF COM 78464A474   3,323,061 111,587 SH   SOLE   0 0 111,587
SPDR Portfolio Total Stock Market ETF COM 78464A805   2,884,508 49,350 SH   SOLE   0 0 49,350
SPDR S&P 500 ETF COM 78462F103   511,434 1,076 SH   SOLE   0 0 1,076
Vanguard FTSE Developed Markets ETF COM 921943858   3,779,502 78,904 SH   SOLE   0 0 78,904
Vanguard Intermediate Term Bond ETF COM 921937819   1,913,777 25,056 SH   SOLE   0 0 25,056
Vanguard Short-Term Corporate Bond ETF COM 92206C409   3,197,006 41,321 SH   SOLE   0 0 41,321
Vanguard Small-Cap ETF COM 922908751   8,602,106 40,323 SH   SOLE   0 0 40,323
Vanguard Total Stock Market ETF COM 922908769   6,321,439 26,648 SH   SOLE   0 0 26,648
Vanguard Ultra-Short Bond ETF COM 92203C303   1,985,506 40,160 SH   SOLE   0 0 40,160