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 983 28,160 SH   SOLE   28,160 0 0
DBX ETF TR XTRACKERS LOW 233051267 3,022 67,753 SH   SOLE   67,753 0 0
INVESCO EXCH TRADED FD TR II EMRNG MKT SVRG 46138E784 532 28,705 SH   SOLE   28,705 0 0
INVESCO EXCH TRADED FD TR II SR LN ETF 46138G508 3,844 189,630 SH   SOLE   189,630 0 0
ISHARES INC JP MRG EM CRP BD 464286251 3,108 72,573 SH   SOLE   72,573 0 0
ISHARES INC JP MRGN EM HI BD 464286285 1,893 54,990 SH   SOLE   54,990 0 0
ISHARES INC MSCI EM ASIA ETF 464286426 24,868 365,172 SH   SOLE   341,339 0 23,833
ISHARES INC MSCI CDA ETF 464286509 6,081 180,559 SH   SOLE   169,305 0 11,254
ISHARES INC ESG AWR MSCI EM 46434G863 226 7,003 SH   SOLE   7,003 0 0
ISHARES TR CORE S&P500 ETF 464287200 25,029 66,014 SH   SOLE   62,606 0 3,408
ISHARES TR CORE US AGGBD ET 464287226 9,089 89,385 SH   SOLE   89,385 0 0
ISHARES TR 20 YR TR BD ETF 464287432 1,393 12,131 SH   SOLE   12,131 0 0
ISHARES TR 7-10 YR TRSY BD 464287440 758 7,408 SH   SOLE   7,408 0 0
ISHARES TR CORE S&P SCP ETF 464287804 10,112 109,426 SH   SOLE   102,550 0 6,876
ISHARES TR GL CLEAN ENE ETF 464288224 240 12,581 SH   SOLE   12,581 0 0
ISHARES TR MSCI ACWI ETF 464288257 718 8,560 SH   SOLE   8,560 0 0
ISHARES TR MBS ETF 464288588 4,161 42,680 SH   SOLE   42,680 0 0
ISHARES TR ISHS 5-10YR INVT 464288638 1,543 30,216 SH   SOLE   30,216 0 0
ISHARES TR ISHS 1-5YR INVS 464288646 18,469 365,366 SH   SOLE   365,366 0 0
ISHARES TR 3 7 YR TREAS BD 464288661 667 5,587 SH   SOLE   5,587 0 0
ISHARES TR 10+ YR INVST GRD 464289511 727 13,643 SH   SOLE   13,643 0 0
ISHARES TR FLTG RATE NT ETF 46429B655 936 18,743 SH   SOLE   18,743 0 0
ISHARES TR MSCI USA QLT FCT 46432F339 12,285 109,951 SH   SOLE   103,086 0 6,865
ISHARES TR CORE MSCI EAFE 46432F842 34,117 579,728 SH   SOLE   544,178 0 35,550
ISHARES TR 0-5YR HI YL CP 46434V407 12,770 314,916 SH   SOLE   314,916 0 0
ISHARES TR ESG AW MSCI EAFE 46435G516 677 10,788 SH   SOLE   10,788 0 0
ISHARES TR BROAD USD HIGH 46435U853 10,099 291,703 SH   SOLE   291,703 0 0
ISHARES U S ETF TR BLACKROCK ST MAT 46431W507 1,763 35,782 SH   SOLE   35,782 0 0
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332 6,286 113,367 SH   SOLE   113,367 0 0
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837 12,491 249,379 SH   SOLE   249,379 0 0
JANUS DETROIT STR TR HENDRSON AAA CL 47103U845 4,108 83,758 SH   SOLE   83,758 0 0
JANUS DETROIT STR TR HENDERSON MTG 47103U852 1,037 21,628 SH   SOLE   21,628 0 0
NUSHARES ETF TR NUVEEN ESG LRGVL 67092P300 616 18,461 SH   SOLE   18,461 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 4,351 60,736 SH   SOLE   60,736 0 0
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 240 1,871 SH   SOLE   1,871 0 0
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308 511 7,076 SH   SOLE   7,076 0 0
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 11,981 87,147 SH   SOLE   81,621 0 5,526
SELECT SECTOR SPDR TR FINANCIAL 81369Y605 8,433 268,129 SH   SOLE   252,600 0 15,529
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 16,694 131,327 SH   SOLE   123,257 0 8,070
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852 6,108 112,556 SH   SOLE   105,476 0 7,080
SPDR S&P 500 ETF TR TR UNIT 78462F103 2,077 5,505 SH   SOLE   5,505 0 0
SPDR SER TR ICE PFD SEC ETF 78464A292 12,657 353,054 SH   SOLE   353,054 0 0
SPDR SER TR BLOOMBERG SHT TE 78468R408 3,593 148,973 SH   SOLE   148,973 0 0
SPDR SER TR S&P 500 ESG ETF 78468R531 1,064 29,362 SH   SOLE   29,362 0 0
SPDR SER TR BLOOMBERG HIGH Y 78468R622 2,502 27,585 SH   SOLE   27,585 0 0
SPDR SER TR PRTFLO S&P500 HI 78468R788 14,325 358,943 SH   SOLE   337,680 0 21,263
VANECK ETF TRUST EMERGING MRKT HI 92189F353 3,682 207,083 SH   SOLE   207,083 0 0
VANECK ETF TRUST SEMICONDUCTR ETF 92189F676 203 995 SH   SOLE   995 0 0
VANECK ETF TRUST JP MRGAN EM LOC 92189H300 3,626 148,117 SH   SOLE   148,117 0 0
VANECK ETF TRUST HIGH YLD MUNIETF 92189H409 7,276 135,120 SH   SOLE   135,120 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 10,808 81,957 SH   SOLE   77,154 0 4,803
VANGUARD WORLD FD MEGA GRWTH IND 921910816 24,664 135,747 SH   SOLE   127,232 0 8,515