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
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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
SPDR S&P 500 ETF TR COM 78462F103 193,437 517,377 SH   SOLE   517,377 0 0
SPDR SER TR COM 78464A375 617 16,594 SH   SOLE   16,594 0 0
UBS AG LONDON BRANCH COM 90274D390 748 49,114 SH   SOLE   49,114 0 0
FLEXSHARES TR COM 33939L795 37,620 699,772 SH   SOLE   699,772 0 0
INNOVATOR ETFS TR COM 45782C508 437 14,295 SH   SOLE   14,295 0 0
FLEXSHARES TR COM 33939L860 5,322 107,639 SH   SOLE   107,639 0 0
ISHARES TR COM 464288612 10,928 92,891 SH   SOLE   92,891 0 0
ISHARES TR COM 464287804 60,255 655,660 SH   SOLE   655,660 0 0
ISHARES U S ETF TR COM 46431W598 30,744 674,744 SH   SOLE   674,744 0 0
ISHARES INC COM 46434G103 67,084 1,081,295 SH   SOLE   1,081,295 0 0
J P MORGAN EXCHANGE-TRADED F COM 46641Q696 991 36,941 SH   SOLE   36,941 0 0
VANGUARD INDEX FDS COM 922908553 300 3,532 SH   SOLE   3,532 0 0
WISDOMTREE TR COM 97717W604 1,337 50,258 SH   SOLE   50,258 0 0
VANGUARD BD INDEX FDS COM 921937835 118,030 1,338,364 SH   SOLE   1,338,364 0 0
ISHARES TR COM 464287150 15,909 184,521 SH   SOLE   184,521 0 0
PACER FDS TR COM 69374H766 8,735 237,375 SH   SOLE   237,375 0 0
INDEXIQ ETF TR COM 45409B107 4,730 148,131 SH   SOLE   148,131 0 0
ISHARES TR COM 464287226 203 1,715 SH   SOLE   1,715 0 0
SCHWAB STRATEGIC TR COM 808524870 7,797 125,598 SH   SOLE   125,598 0 0
VANGUARD MALVERN FDS COM 922020805 39,145 766,043 SH   SOLE   766,043 0 0
VANGUARD SCOTTSDALE FDS COM 92206C409 1,055 12,670 SH   SOLE   12,670 0 0
VANGUARD WHITEHALL FDS COM 921946406 4,752 51,928 SH   SOLE   51,928 0 0
ISHARES TR COM 46432F842 72,808 1,053,814 SH   SOLE   1,053,814 0 0
ISHARES TR COM 464287655 488 2,491 SH   SOLE   2,491 0 0
ISHARES TR COM 464287507 104,962 456,695 SH   SOLE   456,695 0 0
INVESCO ACTIVLY MANGD ETC FD COM 46090F100 694 45,506 SH   SOLE   45,506 0 0
ISHARES TR COM 464287465 79,595 1,090,936 SH   SOLE   1,090,936 0 0
SPDR SER TR COM 78468R739 3,224 64,748 SH   SOLE   64,748 0 0
WISDOMTREE TR COM 97717W505 2,563 73,622 SH   SOLE   73,622 0 0
SCHWAB STRATEGIC TR COM 808524862 203 3,950 SH   SOLE   3,950 0 0
ISHARES TR COM 464288646 207 3,750 SH   SOLE   3,750 0 0
ISHARES TR COM 464288679 2,080 18,820 SH   SOLE   18,820 0 0
VANGUARD CHARLOTTE FDS COM 92203J407 32,450 554,234 SH   SOLE   554,234 0 0
ISHARES TR COM 464287200 58,055 154,652 SH   SOLE   154,652 0 0
J P MORGAN EXCHANGE-TRADED F COM 46641Q738 38,153 482,030 SH   SOLE   482,030 0 0