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 205,184 517,709 SH   SOLE   517,709 0 0
SPDR SER TR COM 78464A375 669 18,459 SH   SOLE   18,459 0 0
FLEXSHARES TR COM 33939L795 54,111 964,027 SH   SOLE   964,027 0 0
UBS AG LONDON BRANCH COM 90274D390 208 12,340 SH   SOLE   12,340 0 0
INNOVATOR ETFS TR COM 45782C508 559 17,704 SH   SOLE   17,704 0 0
VANGUARD BD INDEX FDS COM 921937827 707 8,607 SH   SOLE   8,607 0 0
ISHARES TR COM 464288612 10,375 90,331 SH   SOLE   90,331 0 0
FLEXSHARES TR COM 33939L860 5,896 110,614 SH   SOLE   110,614 0 0
ISHARES TR COM 464287804 65,207 600,820 SH   SOLE   600,820 0 0
ISHARES INC COM 46434G103 76,383 1,186,810 SH   SOLE   1,186,810 0 0
ISHARES U S ETF TR COM 46431W598 34,715 717,036 SH   SOLE   717,036 0 0
J P MORGAN EXCHANGE-TRADED F COM 46641Q696 1,135 38,402 SH   SOLE   38,402 0 0
VANGUARD INDEX FDS COM 922908553 301 3,277 SH   SOLE   3,277 0 0
WISDOMTREE TR COM 97717W604 1,527 49,021 SH   SOLE   49,021 0 0
VANGUARD BD INDEX FDS COM 921937835 109,367 1,290,918 SH   SOLE   1,290,918 0 0
INNOVATOR ETFS TR COM 45782C524 371 14,229 SH   SOLE   14,229 0 0
ISHARES TR COM 464287150 22,486 245,477 SH   SOLE   245,477 0 0
INNOVATOR ETFS TR COM 45782C516 219 7,213 SH   SOLE   7,213 0 0
INDEXIQ ETF TR COM 45409B107 7,873 247,580 SH   SOLE   247,580 0 0
PACER FDS TR COM 69374H766 10,319 265,688 SH   SOLE   265,688 0 0
SCHWAB STRATEGIC TR COM 808524870 7,109 116,233 SH   SOLE   116,233 0 0
VANGUARD MALVERN FDS COM 922020805 43,717 848,215 SH   SOLE   848,215 0 0
VANGUARD WHITEHALL FDS COM 921946406 5,329 52,715 SH   SOLE   52,715 0 0
VANGUARD SCOTTSDALE FDS COM 92206C409 908 11,000 SH   SOLE   11,000 0 0
ISHARES TR COM 464287507 118,695 456,030 SH   SOLE   456,030 0 0
ISHARES TR COM 46432F842 163,696 2,271,976 SH   SOLE   2,271,976 0 0
INVESCO ACTIVLY MANGD ETC FD COM 46090F100 190 11,025 SH   SOLE   11,025 0 0
ISHARES TR COM 464287465 6,398 84,329 SH   SOLE   84,329 0 0
SPDR SER TR COM 78468R739 3,209 64,748 SH   SOLE   64,748 0 0
WISDOMTREE TR COM 97717W505 2,870 71,007 SH   SOLE   71,007 0 0
ISHARES TR COM 464288646 205 3,750 SH   SOLE   3,750 0 0
SCHWAB STRATEGIC TR COM 808524862 203 3,950 SH   SOLE   3,950 0 0
ISHARES TR COM 464287200 63,222 158,920 SH   SOLE   158,920 0 0
ISHARES TR COM 464288679 1,755 15,880 SH   SOLE   15,880 0 0
VANGUARD CHARLOTTE FDS COM 92203J407 32,013 560,451 SH   SOLE   560,451 0 0
J P MORGAN EXCHANGE-TRADED F COM 46641Q738 44,540 518,385 SH   SOLE   518,385 0 0