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
XTR (USSG) US LARGE CAP CORE EETF 233051150 505 16,520 SH   SOLE   16,520 0 0
XTR (HYDW) US HIGH YIELD FETF 233051267 2,344 47,162 SH   SOLE   47,162 0 0
XTR (HYLB) HIGH YIELD CORP FETF 233051432 10,296 214,104 SH   SOLE   214,104 0 0
ISH (CEMB) EM DEBT FETF 464286251 1,270 24,575 SH   SOLE   24,575 0 0
ISH (DVYE) EM DIV EETF 464286319 680 22,629 SH   SOLE   22,629 0 0
ISH (EEMA) MSCI EM EETF 464286426 9,960 133,221 SH   SOLE   125,169 0 8,052
ISH (IVV) S&P500 CORE EETF 464287200 15,529 46,209 SH   SOLE   43,764 0 2,445
ISH (IEF) BARCLAYS 7-10YR TSY FETF 464287440 241 1,979 SH   SOLE   1,979 0 0
ISH (IWO) RUSSELL 2000 GWTH EETF 464287648 1,117 5,050 SH   SOLE   5,050 0 0
ISH (IJR) S&P SMALL CAP EETF 464287804 10,248 145,926 SH   SOLE   137,601 0 8,325
ISH (EMB) USD EMERGING FETF 464288281 3,044 27,449 SH   SOLE   27,449 0 0
ISH (HYG) HIGH YLD FETF 464288513 2,029 24,191 SH   SOLE   24,191 0 0
ISH (MBB) MBS BOND FD FETF 464288588 2,078 18,821 SH   SOLE   18,821 0 0
ISH (IGIB) INT CREDIT FETF 464288638 3,068 50,446 SH   SOLE   50,446 0 0
ISH (IGSB) 1-3 YEAR CREDIT FETF 464288646 5,014 91,325 SH   SOLE   91,325 0 0
ISH (PFF) PREF STK INDX FETF 464288687 1,849 50,790 SH   SOLE   50,790 0 0
ISH (EFV) MSCI EAFE VALUE EETF 464288877 8,517 211,340 SH   SOLE   199,410 0 11,930
ISH (IGLB) 10 PLUS YEAR CREDIT FETF 464289511 804 11,441 SH   SOLE   11,441 0 0
CBR (LRGE) LRG CAP GR ESG EETF 524682200 961 21,074 SH   SOLE   21,074 0 0
SCH (SCHD) US DIV EETF 808524797 3,272 59,207 SH   SOLE   59,207 0 0
VAN (VTV) VALUE EETF 922908744 22,062 211,081 SH   SOLE   198,389 0 12,692
GLOBAL (CLOU) X CLOUD COMPUTING EETF 37954Y442 680 28,500 SH   SOLE   28,500 0 0
INV (PCY) EMERG MKT DEBT FETF 46138E784 511 18,872 SH   SOLE   18,872 0 0
ISH (FLOT) FLOATING RATE BOND FETF 46429B655 1,639 32,333 SH   SOLE   32,333 0 0
ISH (NEAR) SHORT BOND FETF 46431W507 3,647 72,775 SH   SOLE   72,775 0 0
ISH (QUAL) US QUALITY EETF 46432F339 9,848 94,972 SH   SOLE   89,082 0 5,890
ISH (VLUE) MSCI VALUE EETF 46432F388 767 10,405 SH   SOLE   10,405 0 0
ISH (IEFA) CORE EAFE EETF 46432F842 49,934 828,228 SH   SOLE   777,631 0 50,597
ISH (IEMG) EMERGING MKTS EETF 46434G103 11,266 213,569 SH   SOLE   202,269 0 11,300
ISH (ESGE) MSCI EM SELECT EETF 46434G863 474 13,297 SH   SOLE   13,297 0 0
ISH (SHYG) HIGH YIELD 0-5YR CORP FETF 46434V407 9,838 223,996 SH   SOLE   223,996 0 0
ISH (ESGD) MSCI EAFE EETF 46435G516 1,269 19,981 SH   SOLE   19,981 0 0
JPM (JPST) ULTRA SHORT INC FETF 46641Q837 6,750 132,902 SH   SOLE   132,902 0 0
JAN (JMBS) MBS BOND FD FETF 47103U852 4,061 75,761 SH   SOLE   75,761 0 0
JAN (VNLA) SHORT DUR BOND FD FETF 47103U886 1,034 20,523 SH   SOLE   20,523 0 0
NUV (NULV) ESG LRG CAP VAL EETF 67092P300 316 10,890 SH   SOLE   10,890 0 0
PIMCO (HYS) 0-5 YR HIGH YLD FETF 72201R783 250 2,669 SH   SOLE   2,669 0 0
SPDR (GMF) EMG MKT ASIA EETF 78463X301 6,064 54,531 SH   SOLE   51,220 0 3,311
SPDR (PSK) WF PREF STK FETF 78464A292 8,345 192,154 SH   SOLE   192,154 0 0
SPDR (XTN) S&P TRANSPO EETF 78464A532 8,902 153,269 SH   SOLE   145,073 0 8,196
SPDR (XRT) S&P RETAIL EETF 78464A714 8,675 174,854 SH   SOLE   165,415 0 9,439
SPDR (XHB) HOMEBUILDERS EETF 78464A888 9,286 172,353 SH   SOLE   163,076 0 9,277
SPDR (SRLN) SENIOR LOAN FETF 78467V608 8,589 192,059 SH   SOLE   192,059 0 0
SPDR (SPYD) S&P500 HIGH DIV EETF 78468R788 3,375 123,297 SH   SOLE   123,297 0 0
SPDR (XLY) CONS DISC EETF 81369Y407 13,725 93,437 SH   SOLE   87,732 0 5,705
SPDR (XLF) FINANCIALS EETF 81369Y605 983 40,870 SH   SOLE   40,870 0 0
SPDR (XLK) TECHNOLOGY EETF 81369Y803 17,080 146,472 SH   SOLE   137,567 0 8,905
VANE (HYEM) EM HIGH YIELD FETF 92189F353 6,070 268,582 SH   SOLE   268,582 0 0
VAN (SMH) SEMICONDUCTOR EETF 92189F676 989 5,680 SH   SOLE   5,680 0 0
VANE (EMLC) LC BOND FETF 92189H300 681 22,091 SH   SOLE   22,091 0 0
MKTV (HYD) HIGH YLD MUNI FETF 92189H409 3,843 64,378 SH   SOLE   64,378 0 0