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
Adobe Inc Com 00724F101   268,210 518 SH   SOLE   0 0 518
iShares Tr Core US Aggbd Et 464287226   8,393,460 82,882 SH   SOLE   0 0 82,882
Invesco Exch Traded FD Tr II Sr Ln ETF 46138G508   2,774,812 132,071 SH   SOLE   0 0 132,071
Vanguard BD Index FDS Total Bnd Mrkt 921937835   7,571,914 100,811 SH   SOLE   0 0 100,811
Vanguard Charlotte FDS Total Int Bd ETF 92203J407   3,382,587 67,275 SH   SOLE   0 0 67,275
Berkshire Hathaway Inc DEL Cl B New 084670702   270,633 588 SH   SOLE   0 0 588
Vanguard BD Index FDS Short Trm Bond 921937827   715,607 9,094 SH   SOLE   0 0 9,094
iShares Tr Msci Emg Mkt ETF 464287234   363,028 7,916 SH   SOLE   0 0 7,916
iShares Tr JPMorgan USD Emg 464288281   6,627,242 70,819 SH   SOLE   0 0 70,819
Vaneck ETF Trust JP Mrgan Em Loc 92189H300   2,987,345 117,612 SH   SOLE   0 0 117,612
iShares Tr Fltg Rate Nt ETF 46429B655   1,364,963 26,743 SH   SOLE   0 0 26,743
SPDR Ser Tr Bloomberg Invt 78468R200   411,971 13,354 SH   SOLE   0 0 13,354
Vaneck ETF Trust Gold Miners ETF 92189F106   1,835,981 46,107 SH   SOLE   0 0 46,107
Vaneck ETF Trust Junior Gold Mine 92189F791   1,469,718 30,111 SH   SOLE   0 0 30,111
iShares Tr US Treas Bd ETF 46429B267   5,956,464 254,007 SH   SOLE   0 0 254,007
Vaneck ETF Trust High Yld MuniETF 92189H409   1,694,950 31,938 SH   SOLE   0 0 31,938
iShares Tr Iboxx Hi Yd ETF 464288513   7,950,824 99,014 SH   SOLE   0 0 99,014
iShares Tr 7-10 Yr Trsy Bd 464287440   4,193,551 42,739 SH   SOLE   0 0 42,739
iShares Tr 3 7 Yr Treas Bd 464288661   3,305,404 27,636 SH   SOLE   0 0 27,636
Johnson & Johnson Com 478160104   534,636 3,299 SH   SOLE   0 0 3,299
SPDR Ser Tr Bloomberg High Y 78468R622   8,748,489 89,462 SH   SOLE   0 0 89,462
iShares Tr Iboxx Inv Cp ETF 464287242   5,704,247 50,489 SH   SOLE   0 0 50,489
iShares Tr Mbs ETF 464288588   2,473,431 25,816 SH   SOLE   0 0 25,816
Pimco ETF Tr Enhan Shrt Ma Ac 72201R833   335,197 3,329 SH   SOLE   0 0 3,329
iShares Tr National Mun ETF 464288414   2,925,623 26,932 SH   SOLE   0 0 26,932
Invesco Exch Traded FD Tr II Emrng Mkt Svrg 46138E784   371,800 17,293 SH   SOLE   0 0 17,293
Pepsico Inc Com 713448108   800,425 4,707 SH   SOLE   0 0 4,707
iShares Tr Pfd And Incm SEC 464288687   6,389,664 192,286 SH   SOLE   0 0 192,286
Procter and Gamble Co Com 742718109   267,421 1,544 SH   SOLE   0 0 1,544
Invesco Exch Traded FD Tr II Pfd ETF 46138E511   786,930 63,719 SH   SOLE   0 0 63,719
WisdomTree Tr Putwrite Strat 97717X560   5,057,018 152,780 SH   SOLE   0 0 152,780
Schwab Strategic Tr US Aggregate B 808524839   1,849,336 38,917 SH   SOLE   0 0 38,917
iShares Tr Short Treas Bd 464288679   378,244 3,419 SH   SOLE   0 0 3,419
iShares Tr 1-3 Yr Treas Bd 464287457   293,603 3,531 SH   SOLE   0 0 3,531
iShares Tr 0-5Yr Hi Yl Cp 46434V407   1,933,102 44,521 SH   SOLE   0 0 44,521
SPDR Ser Tr Bloomberg Sht Te 78468R408   8,763,240 340,320 SH   SOLE   0 0 340,320
SPDR Ser Tr Portfolio Agrgte 78464A649   1,738,232 66,497 SH   SOLE   0 0 66,497
SPDR Ser Tr Nuveen Blmbrg Mu 78468R721   812,266 17,345 SH   SOLE   0 0 17,345
iShares Tr Tips Bd ETF 464287176   8,656,871 78,364 SH   SOLE   0 0 78,364
iShares Tr 20 Yr Tr Bd ETF 464287432   3,517,376 35,855 SH   SOLE   0 0 35,855
Vanguard Scottsdale FDS Int-Term Corp 92206C870   6,562,231 78,355 SH   SOLE   0 0 78,355
Vanguard Scottsdale FDS Shrt Trm Corp Bd 92206C409   1,311,383 16,512 SH   SOLE   0 0 16,512
Vanguard Scottsdale FDS Short Term Treas 92206C102   228,466 3,871 SH   SOLE   0 0 3,871
Vanguard Scottsdale FDS Mtg-Bkd Secs ETF 92206C771   986,217 20,890 SH   SOLE   0 0 20,890
Vanguard Mun BD FDS Tax Exempt Bd 922907746   2,032,276 39,755 SH   SOLE   0 0 39,755
Vanguard Index FDS Total Stk Mkt 922908769   595,202 2,102 SH   SOLE   0 0 2,102
Vanguard Malvern FDS Strm Infproidx 922020805   1,989,412 40,345 SH   SOLE   0 0 40,345
Select Spdr Tr Sbi Int- Utils 81369Y886   4,587,819 56,794 SH   SOLE   0 0 56,794