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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
DBX ETF TR XTRCKR MSCI US 233051150   433,000 11,527 SH   SOLE   11,527 0 0
INVESCO EXCH TRADED FD TR II EMRNG MKT SVRG 46138E784   551,000 28,705 SH   SOLE   28,705 0 0
ISHARES INC JP MRGN EM HI BD 464286285   1,989,000 56,428 SH   SOLE   56,428 0 0
ISHARES INC MSCI EM ASIA ETF 464286426   7,107,000 106,948 SH   SOLE   102,640 0 4,308
ISHARES INC MSCI CDA ETF 464286509   6,620,000 193,691 SH   SOLE   185,513 0 8,178
ISHARES INC CORE MSCI EMKT 46434G103   6,420,000 131,591 SH   SOLE   125,715 0 5,876
ISHARES INC ESG AWR MSCI EM 46434G863   268,000 8,503 SH   SOLE   8,503 0 0
ISHARES TR CORE S&P500 ETF 464287200   83,954,000 204,229 SH   SOLE   195,812 0 8,417
ISHARES TR 20 YR TR BD ETF 464287432   1,074,000 10,099 SH   SOLE   10,099 0 0
ISHARES TR 7-10 YR TRSY BD 464287440   231,000 2,334 SH   SOLE   2,334 0 0
ISHARES TR GL CLEAN ENE ETF 464288224   203,000 10,239 SH   SOLE   10,239 0 0
ISHARES TR MSCI ACWI ETF 464288257   786,000 8,626 SH   SOLE   8,626 0 0
ISHARES TR MBS ETF 464288588   5,322,000 56,178 SH   SOLE   56,178 0 0
ISHARES TR ISHS 5-10YR INVT 464288638   1,973,000 38,467 SH   SOLE   38,467 0 0
ISHARES TR ISHS 1-5YR INVS 464288646   15,610,000 308,861 SH   SOLE   308,861 0 0
ISHARES TR 10+ YR INVST GRD 464289511   355,000 6,767 SH   SOLE   6,767 0 0
ISHARES TR FLTG RATE NT ETF 46429B655   944,000 18,743 SH   SOLE   18,743 0 0
ISHARES TR CORE MSCI EAFE 46432F842   20,426,000 305,552 SH   SOLE   292,766 0 12,786
ISHARES TR 0-5YR HI YL CP 46434V407   14,162,000 339,772 SH   SOLE   339,772 0 0
ISHARES TR ESG AWR MSCI USA 46435G425   620,000 6,860 SH   SOLE   6,860 0 0
ISHARES TR ESG AW MSCI EAFE 46435G516   764,000 10,634 SH   SOLE   10,634 0 0
ISHARES TR BROAD USD HIGH 46435U853   21,789,000 612,900 SH   SOLE   612,900 0 0
ISHARES U S ETF TR BLACKROCK ST MAT 46431W507   1,553,000 31,320 SH   SOLE   31,320 0 0
J P MORGAN EXCHANGE TRADED F BETABULDRS JAPAN 46641Q217   11,479,000 237,166 SH   SOLE   227,221 0 9,945
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332   32,285,000 591,293 SH   SOLE   570,891 0 20,402
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   12,075,000 239,961 SH   SOLE   239,961 0 0
JANUS DETROIT STR TR HENDRSON AAA CL 47103U845   3,780,000 76,350 SH   SOLE   76,350 0 0
JANUS DETROIT STR TR HENDERSON MTG 47103U852   1,011,000 21,648 SH   SOLE   21,648 0 0
NUSHARES ETF TR NUVEEN ESG LRGVL 67092P300   369,000 10,838 SH   SOLE   10,838 0 0
PACER FDS TR US CASH COWS 100 69374H881   13,428,000 285,996 SH   SOLE   273,978 0 12,018
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   4,564,000 62,377 SH   SOLE   62,377 0 0
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   10,784,000 83,299 SH   SOLE   79,778 0 3,521
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308   9,124,000 122,126 SH   SOLE   116,989 0 5,137
SPDR S&P 500 ETF TR TR UNIT 78462F103   3,705,000 9,050 SH   SOLE   9,050 0 0
SPDR SER TR ICE PFD SEC ETF 78464A292   13,613,000 400,845 SH   SOLE   400,845 0 0
SPDR SER TR S&P METALS MNG 78464A755   9,174,000 172,575 SH   SOLE   165,273 0 7,302
SPDR SER TR BLOOMBERG SHT TE 78468R408   3,459,000 139,248 SH   SOLE   139,248 0 0
SPDR SER TR S&P 500 ESG ETF 78468R531   867,000 22,001 SH   SOLE   22,001 0 0
SPDR SER TR BLOOMBERG HIGH Y 78468R622   2,539,000 27,350 SH   SOLE   27,350 0 0
SPDR SER TR PRTFLO S&P500 HI 78468R788   15,339,000 403,654 SH   SOLE   386,691 0 16,963
VANECK ETF TRUST EMERGING MRKT HI 92189F353   816,000 44,310 SH   SOLE   44,310 0 0
VANECK ETF TRUST JP MRGAN EM LOC 92189H300   3,133,000 124,095 SH   SOLE   124,095 0 0
VANECK ETF TRUST HIGH YLD MUNIETF 92189H409   7,031,000 135,888 SH   SOLE   135,888 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769   203,000 995 SH   SOLE   995 0 0
VANGUARD WORLD FD ESG US STK ETF 921910733   618,000 8,616 SH   SOLE   8,616 0 0