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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
FIRST TR EXCHANGE-TRADED FD FST LOW OPPT EFT 33739Q200   1,902,000 40,254 SH   SOLE   40,254 0 0
INVESCO ACTIVELY MANAGED ETF ULTRA SHRT DUR 46090A887   6,764,000 136,089 SH   SOLE   136,089 0 0
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354   11,371,000 193,423 SH   SOLE   193,423 0 0
INVESCO EXCH TRADED FD TR II EMRNG MKT SVRG 46138E784   524,000 28,705 SH   SOLE   28,705 0 0
ISHARES INC MSCI AUST ETF 464286103   6,990,000 324,955 SH   SOLE   324,955 0 0
ISHARES INC MSCI EM ASIA ETF 464286426   6,855,000 108,858 SH   SOLE   108,858 0 0
ISHARES INC MSCI CDA ETF 464286509   11,479,000 343,068 SH   SOLE   343,068 0 0
ISHARES INC CORE MSCI EMKT 46434G103   13,622,000 286,236 SH   SOLE   286,236 0 0
ISHARES INC ESG AWR MSCI EM 46434G863   427,000 14,096 SH   SOLE   14,096 0 0
ISHARES TR CORE S&P500 ETF 464287200   50,963,000 118,676 SH   SOLE   118,676 0 0
ISHARES TR 20 YR TR BD ETF 464287432   1,669,000 18,817 SH   SOLE   18,817 0 0
ISHARES TR 7-10 YR TRSY BD 464287440   3,513,000 38,352 SH   SOLE   38,352 0 0
ISHARES TR MSCI ACWI ETF 464288257   797,000 8,626 SH   SOLE   8,626 0 0
ISHARES TR JPMORGAN USD EMG 464288281   445,000 5,387 SH   SOLE   5,387 0 0
ISHARES TR MBS ETF 464288588   20,933,000 235,735 SH   SOLE   235,735 0 0
ISHARES TR ISHS 5-10YR INVT 464288638   2,139,000 43,960 SH   SOLE   43,960 0 0
ISHARES TR ISHS 1-5YR INVS 464288646   10,775,000 216,241 SH   SOLE   216,241 0 0
ISHARES TR SHORT TREAS BD 464288679   1,334,000 12,078 SH   SOLE   12,078 0 0
ISHARES TR 10+ YR INVST GRD 464289511   429,000 9,101 SH   SOLE   9,101 0 0
ISHARES TR MSCI EAFE MIN VL 46429B689   9,520,000 145,968 SH   SOLE   145,968 0 0
ISHARES TR MSCI USA MIN VOL 46429B697   11,759,000 162,460 SH   SOLE   162,460 0 0
ISHARES TR CORE MSCI EAFE 46432F842   20,488,000 318,389 SH   SOLE   318,389 0 0
ISHARES TR 0-5YR HI YL CP 46434V407   12,364,000 301,341 SH   SOLE   301,341 0 0
ISHARES TR MSCI UK ETF NEW 46435G334   7,015,000 221,717 SH   SOLE   221,717 0 0
ISHARES TR ESG AWR MSCI USA 46435G425   380,000 4,049 SH   SOLE   4,049 0 0
ISHARES TR ESG AW MSCI EAFE 46435G516   1,034,000 14,953 SH   SOLE   14,953 0 0
ISHARES TR BROAD USD HIGH 46435U853   13,061,000 376,289 SH   SOLE   376,289 0 0
ISHARES U S ETF TR BLACKROCK ST MAT 46431W507   3,405,000 68,246 SH   SOLE   68,246 0 0
J P MORGAN EXCHANGE TRADED F BETABULDRS JAPAN 46641Q217   11,622,000 231,324 SH   SOLE   231,324 0 0
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332   32,605,000 608,755 SH   SOLE   608,755 0 0
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   16,923,000 337,244 SH   SOLE   337,244 0 0
NUSHARES ETF TR NUVEEN ESG LRGVL 67092P300   380,000 11,316 SH   SOLE   11,316 0 0
NUSHARES ETF TR NUVEEN ESG SMLCP 67092P607   234,000 6,711 SH   SOLE   6,711 0 0
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   11,234,000 87,263 SH   SOLE   87,263 0 0
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308   9,202,000 133,729 SH   SOLE   133,729 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   2,638,000 6,170 SH   SOLE   6,170 0 0
SPDR SER TR NUVEEN BLOOMBERG 78464A284   845,000 35,480 SH   SOLE   35,480 0 0
SPDR SER TR ICE PFD SEC ETF 78464A292   2,785,000 85,795 SH   SOLE   85,795 0 0
SPDR SER TR BLOOMBERG SHT TE 78468R408   2,785,000 113,858 SH   SOLE   113,858 0 0
SPDR SER TR S&P 500 ESG ETF 78468R531   858,000 20,684 SH   SOLE   20,684 0 0
SPDR SER TR BLOOMBERG HIGH Y 78468R622   2,472,000 27,350 SH   SOLE   27,350 0 0
SPDR SER TR PRTFLO S&P500 HI 78468R788   15,597,000 444,725 SH   SOLE   444,725 0 0
VANECK ETF TRUST EMERGING MRKT HI 92189F353   790,000 44,310 SH   SOLE   44,310 0 0
VANECK ETF TRUST JP MRGAN EM LOC 92189H300   4,354,000 182,385 SH   SOLE   182,385 0 0
VANECK ETF TRUST HIGH YLD MUNIETF 92189H409   6,668,000 135,896 SH   SOLE   135,896 0 0
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   2,843,000 37,822 SH   SOLE   37,822 0 0
VANGUARD WORLD FD ESG US STK ETF 921910733   617,000 8,197 SH   SOLE   8,197 0 0