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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
DBX ETF TR XTRCKR MSCI US 233051150 1,356 30,561 SH   SOLE   30,561 0 0
DBX ETF TR XTRACKERS LOW 233051267 3,044 60,185 SH   SOLE   60,185 0 0
DBX ETF TR XTRACK USD HIGH 233051432 11,599 291,139 SH   SOLE   291,139 0 0
DBX ETF TR XTRACK MSCI EAFE 233051630 700 29,588 SH   SOLE   29,588 0 0
INVESCO EXCH TRADED FD TR II EMRNG MKT SVRG 46138E784 2,147 81,493 SH   SOLE   81,493 0 0
INVESCO EXCH TRADED FD TR II SR LN ETF 46138G508 1,198 54,215 SH   SOLE   54,215 0 0
ISHARES INC JP MRG EM CRP BD 464286251 2,979 58,406 SH   SOLE   58,406 0 0
ISHARES INC JP MRGN EM HI BD 464286285 1,858 43,125 SH   SOLE   43,125 0 0
ISHARES INC MSCI EM ASIA ETF 464286426 29,159 355,465 SH   SOLE   332,329 0 23,136
ISHARES INC MSCI ITALY ETF 46434G830 7,787 237,344 SH   SOLE   222,536 0 14,808
ISHARES INC ESG AWR MSCI EM 46434G863 294 7,406 SH   SOLE   7,406 0 0
ISHARES TR CORE S&P500 ETF 464287200 40,364 84,622 SH   SOLE   80,104 0 4,518
ISHARES TR 20 YR TR BD ETF 464287432 2,114 14,266 SH   SOLE   14,266 0 0
ISHARES TR BARCLAYS 7 10 YR 464287440 1,238 10,762 SH   SOLE   10,762 0 0
ISHARES TR RUS 2000 GRW ETF 464287648 1,415 4,830 SH   SOLE   4,830 0 0
ISHARES TR CORE S&P SCP ETF 464287804 603 5,266 SH   SOLE   5,266 0 0
ISHARES TR JPMORGAN USD EMG 464288281 2,073 19,004 SH   SOLE   19,004 0 0
ISHARES TR IBOXX HI YD ETF 464288513 1,565 17,983 SH   SOLE   17,983 0 0
ISHARES TR MBS ETF 464288588 3,004 27,958 SH   SOLE   27,958 0 0
ISHARES TR ISHS 5-10YR INVT 464288638 2,645 44,621 SH   SOLE   44,621 0 0
ISHARES TR ISHS 1-5YR INVS 464288646 8,388 155,677 SH   SOLE   155,677 0 0
ISHARES TR EAFE VALUE ETF 464288877 14,808 293,865 SH   SOLE   274,915 0 18,950
ISHARES TR FLTG RATE NT ETF 46429B655 1,618 31,888 SH   SOLE   31,888 0 0
ISHARES TR MSCI USA VALUE 46432F388 13,772 125,805 SH   SOLE   117,874 0 7,931
ISHARES TR CORE MSCI EAFE 46432F842 42,343 567,294 SH   SOLE   530,363 0 36,931
ISHARES TR 0-5YR HI YL CP 46434V407 14,896 328,824 SH   SOLE   328,824 0 0
ISHARES TR ESG AW MSCI EAFE 46435G516 1,777 22,361 SH   SOLE   22,361 0 0
ISHARES U S ETF TR BLACKROCK ST MAT 46431W507 4,121 82,503 SH   SOLE   82,503 0 0
J P MORGAN EXCHANGE-TRADED F EQUITY PREMIUM 46641Q332 5,565 88,072 SH   SOLE   88,072 0 0
J P MORGAN EXCHANGE-TRADED F ULTRA SHRT INC 46641Q837 13,768 272,743 SH   SOLE   272,743 0 0
JANUS DETROIT STR TR HENDRSON AAA CL 47103U845 4,087 81,133 SH   SOLE   81,133 0 0
JANUS DETROIT STR TR HENDERSON MTG 47103U852 1,140 21,638 SH   SOLE   21,638 0 0
LEGG MASON ETF INVT TR CLEARBRIDEG LR 524682200 657 10,809 SH   SOLE   10,809 0 0
NUSHARES ETF TR NUVEEN ESG LRGVL 67092P300 721 18,546 SH   SOLE   18,546 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 4,586 56,740 SH   SOLE   56,740 0 0
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 8,336 59,168 SH   SOLE   55,413 0 3,755
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308 16,621 215,549 SH   SOLE   202,003 0 13,546
SELECT SECTOR SPDR TR FINANCIAL 81369Y605 10,288 263,464 SH   SOLE   247,215 0 16,249
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 15,620 89,840 SH   SOLE   84,202 0 5,638
SPDR S&P 500 ETF TR TR UNIT 78462F103 3,451 7,265 SH   SOLE   7,265 0 0
SPDR SER TR ICE PFD SEC ETF 78464A292 4,840 112,798 SH   SOLE   112,798 0 0
SPDR SER TR BLOOMBERG SHT TE 78468R408 2,037 75,043 SH   SOLE   75,043 0 0
SPDR SER TR S&P 500 ESG ETF 78468R531 733 16,181 SH   SOLE   16,181 0 0
SPDR SER TR BLOOMBERG HIGH Y 78468R622 854 7,865 SH   SOLE   7,865 0 0
SPDR SER TR PRTFLO S&P500 HI 78468R788 718 17,080 SH   SOLE   17,080 0 0
SSGA ACTIVE ETF TR BLACKSTONE SENR 78467V608 19,478 426,877 SH   SOLE   426,877 0 0
VANECK ETF TRUST EMERGING MRKT HI 92189F353 5,008 223,454 SH   SOLE   223,454 0 0
VANECK ETF TRUST SEMICONDUCTR ETF 92189F676 10,182 32,973 SH   SOLE   30,916 0 2,057
VANECK ETF TRUST JP MRGAN EM LOC 92189H300 600 20,985 SH   SOLE   20,985 0 0
VANECK ETF TRUST HIGH YLD MUNIETF 92189H409 5,082 81,410 SH   SOLE   81,410 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 18,862 128,216 SH   SOLE   120,255 0 7,961
VANGUARD INDEX FDS TOTAL STK MKT 922908769 250 1,035 SH   SOLE   1,035 0 0
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771 244 4,610 SH   SOLE   4,610 0 0
VANGUARD WORLD FD MEGA GRWTH IND 921910816 29,715 113,956 SH   SOLE   106,546 0 7,410
WISDOMTREE TR EM EX ST-OWNED 97717X578 419 11,371 SH   SOLE   11,371 0 0