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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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
AMAZON COM INC COM 023135106 BBG001S5PQL7 419,354 2,760 SH   SOLE   2,760 0 0
APPLE INC COM 037833100 BBG001S5N8V8 1,650,752 8,574 SH   SOLE   8,574 0 0
FIDELITY COMWLTH TR NASDAQ COMPSIT 315912808 BBG001SBT983 14,748,583 248,963 SH   SOLE   248,963 0 0
FIDELITY COVINGTON TRUST INT HG DIV ETF 316092725 BBG00JRH23N7 7,878,206 382,426 SH   SOLE   382,426 0 0
GLOBAL X FDS US PFD ETF 37954Y657 BBG00HPF2LX6 7,096,313 365,789 SH   SOLE   365,789 0 0
INVESCO EXCH TRADED FD TR II S&P500 HDL VOL 46138E362 BBG003H4RBL9 8,280,097 195,239 SH   SOLE   195,239 0 0
ISHARES INC JP MRG EM CRP BD 464286251 BBG002WGKJD6 3,073,572 69,648 SH   SOLE   69,648 0 0
ISHARES TR 0-5YR HI YL CP 46434V407 BBG005DW06B7 4,632,739 109,729 SH   SOLE   109,729 0 0
ISHARES TR BROAD USD HIGH 46435U853 BBG00J2DS0J6 5,075,099 139,618 SH   SOLE   139,618 0 0
ISHARES TR CORE S&P500 ETF 464287200 BBG001SFB7R6 266,995 559 SH   SOLE   559 0 0
MICROSOFT CORP COM 594918104 BBG001S5TD05 318,694 848 SH   SOLE   848 0 0
RBB FD INC US TRSRY 6 MNTH 74933W460 BBG01FRH4691 8,253,895 165,177 SH   SOLE   165,177 0 0
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 BBG001SRXRD7 5,367,477 151,581 SH   SOLE   151,581 0 0
SPDR SER TR PORTFOLIO CRPORT 78464A144 BBG001V10544 1,946,862 66,197 SH   SOLE   66,197 0 0
SSGA ACTIVE ETF TR ULT SHT TRM BD 78467V707 BBG005D236G5 7,768,368 192,382 SH   SOLE   192,382 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 BBG001SK7DK4 4,217,645 57,344 SH   SOLE   57,344 0 0
VANGUARD BD INDEX FDS VANGUARD ULTRA 92203C303 BBG00ZXBYMT4 20,904,803 422,833 SH   SOLE   422,833 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 BBG001SHVTS1 9,779,414 42,037 SH   SOLE   42,037 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 BBG001SMD2X3 6,554,227 74,176 SH   SOLE   74,176 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 BBG001TC6MC1 39,018,491 89,328 SH   SOLE   89,328 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 BBG001SHTTV0 11,205,055 52,525 SH   SOLE   52,525 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 BBG001SHTB03 27,268,714 114,951 SH   SOLE   114,951 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768 BBG001TJR1D8 14,507,603 250,304 SH   SOLE   250,304 0 0
VANGUARD WHITEHALL FDS EM MK GOV BD ETF 921946885 BBG004N1LYJ5 4,151,297 65,118 SH   SOLE   65,118 0 0
VANGUARD WORLD FD MEGA CAP INDEX 921910873 BBG001T0Y6Y7 3,489,071 20,611 SH   SOLE   20,611 0 0
VANGUARD WORLD FDS CONSUM STP ETF 92204A207 BBG001SHVR41 4,074,588 21,337 SH   SOLE   21,337 0 0
WISDOMTREE TR YIELD ENHANCD US 97717X511 BBG009KCY2C6 1,277,645 29,024 SH   SOLE   29,024 0 0