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
APPLE INC COM 037833100   3,083,469 16,016 SH   SOLE 0 0 0 16,016
DISNEY WALT CO COM 254687106   272,856 3,022 SH   SOLE 0 0 0 3,022
FIDELITY COVINGTON TRUST VLU FACTOR ETF 316092782   11,650,121 219,822 SH   SOLE 0 0 0 219,822
FLEXSHARES TR MORNSTAR UPSTR 33939L407   731,777 17,870 SH   SOLE 0 0 0 17,870
GENERAL MTRS CO COM 37045V100   391,575 10,901 SH   SOLE 0 0 0 10,901
ISHARES INC CORE MSCI EMKT 46434G103   13,468,107 266,273 SH   SOLE 0 0 0 266,273
ISHARES TR CORE MSCI EAFE 46432F842   9,899,033 140,711 SH   SOLE 0 0 0 140,711
ISHARES TR MSCI USA MIN VOL 46429B697   11,167,450 143,117 SH   SOLE 0 0 0 143,117
ISHARES TR JPMORGAN USD EMG 464288281   4,024,607 45,190 SH   SOLE 0 0 0 45,190
ISHARES TR CORE US AGGBD ET 464287226   2,229,137 22,460 SH   SOLE 0 0 0 22,460
ISHARES TR CORE S&P MCP ETF 464287507   287,443 1,037 SH   SOLE 0 0 0 1,037
ISHARES TR S&P 500 VAL ETF 464287408   1,563,297 8,990 SH   SOLE 0 0 0 8,990
ISHARES TR CORE S&P500 ETF 464287200   37,893,237 79,336 SH   SOLE 0 0 0 79,336
ISHARES TR S&P 500 GRWT ETF 464287309   1,639,329 21,829 SH   SOLE 0 0 0 21,829
ISHARES TR RUS 1000 VAL ETF 464287598   2,126,778 12,870 SH   SOLE 0 0 0 12,870
ISHARES TR RUS 1000 GRW ETF 464287614   2,906,373 9,587 SH   SOLE 0 0 0 9,587
ISHARES TR 7-10 YR TRSY BD 464287440   5,528,511 57,356 SH   SOLE 0 0 0 57,356
ISHARES TR 20 YR TR BD ETF 464287432   5,896,738 59,635 SH   SOLE 0 0 0 59,635
ISHARES TR MSCI USA QLT FCT 46432F339   8,237,050 55,981 SH   SOLE 0 0 0 55,981
ISHARES TR CORE DIV GRWTH 46434V621   12,138,750 225,543 SH   SOLE 0 0 0 225,543
ISHARES TR 0-3 MNTH TREASRY 46436E718   274,958 2,742 SH   SOLE 0 0 0 2,742
J P MORGAN EXCHANGE TRADED F BETABULDRS JAPAN 46641Q217   447,368 8,518 SH   SOLE 0 0 0 8,518
J P MORGAN EXCHANGE TRADED F BETABUILDERS EUR 46641Q191   426,618 7,539 SH   SOLE 0 0 0 7,539
J P MORGAN EXCHANGE TRADED F BETABUILDERS CDA 46641Q225   345,345 5,386 SH   SOLE 0 0 0 5,386
MICROSOFT CORP COM 594918104   357,119 950 SH   SOLE 0 0 0 950
NETFLIX INC COM 64110L106   555,043 1,140 SH   SOLE 0 0 0 1,140
NORWEGIAN CRUISE LINE HLDG L SHS G66721104   290,460 14,494 SH   SOLE 0 0 0 14,494
OPEN LENDING CORP COM 68373J104   220,205 25,876 SH   SOLE 0 0 0 25,876
PEPSICO INC COM 713448108   1,074,092 6,324 SH   SOLE 0 0 0 6,324
ROYAL CARIBBEAN GROUP COM V7780T103   255,354 1,972 SH   SOLE 0 0 0 1,972
SABINE RTY TR UNIT BEN INT 785688102   377,573 5,564 SH   SOLE 0 0 0 5,564
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   439,125 7,888 SH   SOLE 0 0 0 7,888
SPDR GOLD TR GOLD SHS 78463V107   227,110 1,188 SH   SOLE 0 0 0 1,188
SPDR S&P 500 ETF TR TR UNIT 78462F103   11,979,491 25,204 SH   SOLE 0 0 0 25,204
UNITEDHEALTH GROUP INC COM 91324P102   347,245 660 SH   SOLE 0 0 0 660
VANECK ETF TRUST GOLD MINERS ETF 92189F106   229,218 7,392 SH   SOLE 0 0 0 7,392
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   581,994 1,332 SH   SOLE 0 0 0 1,332
VANGUARD INDEX FDS TOTAL STK MKT 922908769   215,560 909 SH   SOLE 0 0 0 909
VANGUARD INDEX FDS MID CAP ETF 922908629   9,313,847 40,035 SH   SOLE 0 0 0 40,035
VANGUARD INDEX FDS EXTEND MKT ETF 922908652   207,376 1,261 SH   SOLE 0 0 0 1,261
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   15,102,349 367,454 SH   SOLE 0 0 0 367,454
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874   1,093,058 16,952 SH   SOLE 0 0 0 16,952
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   7,676,541 150,373 SH   SOLE 0 0 0 150,373
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   480,863 10,039 SH   SOLE 0 0 0 10,039
VANGUARD WHITEHALL FDS EM MK GOV BD ETF 921946885   4,761,298 74,687 SH   SOLE 0 0 0 74,687