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
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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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
SPDR S&P 500 ETF TR TR UNIT 78462F103 12,833 29,979 SH   SOLE   0 0 29,979
VANGUARD BD INDEX FDS LONG TERM BOND 921937793 60,965 591,723 SH   SOLE   0 0 591,723
NUVEEN AMT FREE QLTY MUN INC COM 670657105 314 20,000 SH   SOLE   0 0 20,000
APPLE INC COM 037833100 502 3,668 SH   SOLE   0 0 3,668
VANGUARD WORLD FDS UTILITIES ETF 92204A876 155,563 1,121,094 SH   SOLE   0 0 1,121,094
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 1,246 9,237 SH   SOLE   0 0 9,237
PROCTER AND GAMBLE CO COM 742718109 211,568 2,575,071 SH   SOLE   0 0 2,575,071
VANGUARD WORLD FDS INDUSTRIAL ETF 92204A603 209,093 1,064,355 SH   SOLE   0 0 1,064,355
VANGUARD WORLD FDS CONSUM STP ETF 92204A207 172,581 945,596 SH   SOLE   0 0 945,596
VANGUARD WORLD FDS ENERGY ETF 92204A306 230,341 3,035,202 SH   SOLE   0 0 3,035,202
VERISK ANALYTICS INC COM 92345Y106 580 3,322 SH   SOLE   0 0 3,322
VANGUARD WORLD FDS FINANCIALS ETF 92204A405 214,865 2,375,506 SH   SOLE   0 0 2,375,506
VANGUARD WORLD FDS CONSUM DIS ETF 92204A108 219,327 698,471 SH   SOLE   0 0 698,471
SPDR SER TR PORTFOLIO LN TSR 78464A664 192,341 1,889,583 SH   SOLE   0 0 1,889,583
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 15,626 1,020,608 SH   SOLE   0 0 1,020,608
INVESCO EXCHANGE TRADED FD T GBL LISTED PVT 46137V589 190,060 769,069 SH   SOLE   0 0 769,069
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504 231 20,000 SH   SOLE   0 0 20,000
NUVEEN MUN VALUE FD INC COM 670928100 205,570 1,137,066 SH   SOLE   0 0 1,137,066
VANGUARD WORLD FDS MATERIALS ETF 92204A801 39,968 762,597 SH   SOLE   0 0 762,597
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 3,544 10,000 SH   SOLE   0 0 10,000
INVESCO QQQ TR UNIT SER 1 46090E103 220,348 1,532,109 SH   SOLE   0 0 1,532,109
VANGUARD WORLD FDS COMM SRVC ETF 92204A884 213,971 536,578 SH   SOLE   0 0 536,578
VANGUARD WORLD FDS INF TECH ETF 92204A702 14,342 573,692 SH   SOLE   0 0 573,692
INVESCO DB G10 CURRENCY HARV UNIT 46139B102 16,424 853,174 SH   SOLE   0 0 853,174
INVESCO DB COMMDY INDX TRCK UNIT 46138B103 1,822 11,000 SH   SOLE   0 0 11,000
VANGUARD BD INDEX FDS INTERMED TERM 921937819 63,782 709,003 SH   SOLE   0 0 709,003
NUVEEN AMT FREE MUN CR INC F COM 67071L106 179 10,000 SH   SOLE   0 0 10,000