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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
FIDELITY COVINGTON TRUST CONSMR STAPLES 316092303   33,897,895 796,099 SH   SOLE   796,099 0 0
FRANKLIN TEMPLETON ETF TR FTSE EUROPE 35473P652   69,596,144 2,733,323 SH   SOLE   2,733,323 0 0
INVESCO ACTIVELY MANAGED ETF ULTRA SHRT DUR 46090A887   6,572,129 132,236 SH   SOLE   132,236 0 0
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354   3,002,876 51,078 SH   SOLE   51,078 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   202,333 1,428 SH   SOLE   1,428 0 0
INVESCO EXCHANGE TRADED FD T S&P500 QUALITY 46137V241   281,875 5,633 SH   SOLE   5,633 0 0
ISHARES TR NATIONAL MUN ETF 464288414   233,381 2,276 SH   SOLE   2,276 0 0
ISHARES TR MSCI USA MIN VOL 46429B697   57,369,618 792,617 SH   SOLE   792,617 0 0
ISHARES TR MSCI USA QLT FCT 46432F339   2,065,545 15,673 SH   SOLE   15,673 0 0
ISHARES TR 1 3 YR TREAS BD 464287457   4,133,666 51,117 SH   SOLE   51,117 0 0
ISHARES TR FLTG RATE NT ETF 46429B655   62,886,983 1,235,743 SH   SOLE   1,235,743 0 0
ISHARES TR MSCI EAFE MIN VL 46429B689   720,029 11,040 SH   SOLE   11,040 0 0
ISHARES TR CORE DIV GRWTH 46434V621   56,093,914 1,132,524 SH   SOLE   1,132,524 0 0
ISHARES TR TRS FLT RT BD 46434V860   62,823,942 1,238,154 SH   SOLE   1,238,154 0 0
ISHARES TR BLACKROCK ULTRA 46434V878   6,616,832 131,338 SH   SOLE   131,338 0 0
ISHARES TR CORE US AGGBD ET 464287226   633,453 6,736 SH   SOLE   6,736 0 0
ISHARES TR CORE MSCI EAFE 46432F842   901,672 14,012 SH   SOLE   14,012 0 0
ISHARES TR US INFRASTRUC 46435U713   23,548,080 643,566 SH   SOLE   643,566 0 0
ISHARES TR CORE S&P500 ETF 464287200   951,617 2,216 SH   SOLE   2,216 0 0
ISHARES TR 0-5YR INVT GR CP 46434V100   104,171,334 2,170,462 SH   SOLE   2,170,462 0 0
ISHARES TR MSCI INTL QUALTY 46434V456   1,059,051 31,510 SH   SOLE   31,510 0 0
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   6,589,762 131,322 SH   SOLE   131,322 0 0
LISTED FD TR OVERLAY 53656F581   67,569,008 2,521,928 SH   SOLE   2,521,928 0 0
PIMCO ETF TR SR LN ACTIVE ETF 72201R627   26,246,606 521,801 SH   SOLE   521,801 0 0
PIMCO ETF TR ENHAN SHRT MA AC 72201R833   6,595,301 65,861 SH   SOLE   65,861 0 0
PIMCO ETF TR ENHNCD LW DUR AC 72201R718   25,750,846 274,705 SH   SOLE   274,705 0 0
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   72,081,150 559,897 SH   SOLE   559,897 0 0
SPDR INDEX SHS FDS S&P NORTH AMER 78463X152   12,989,054 245,348 SH   SOLE   245,348 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   709,189 1,659 SH   SOLE   1,659 0 0
SPDR SER TR PORTFOLIO SH TSR 78468R101   395,675 13,777 SH   SOLE   13,777 0 0
SPDR SER TR PORTFOLIO AGRGTE 78464A649   371,039 15,244 SH   SOLE   15,244 0 0
SPDR SER TR PORTFOLIO SHORT 78464A474   104,379,056 3,559,995 SH   SOLE   3,559,995 0 0
SPDR SER TR PORTFOLI S&P1500 78464A805   2,840,444 54,114 SH   SOLE   54,114 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   15,352,214 39,094 SH   SOLE   39,094 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736   2,247,919 8,255 SH   SOLE   8,255 0 0
VANGUARD SCOTTSDALE FDS VNG RUS1000VAL 92206C714   56,305,767 844,671 SH   SOLE   844,671 0 0
WORLD GOLD TR SPDR GLD MINIS 98149E303   640,267 17,465 SH   SOLE   17,465 0 0