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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 4,474 19,294 SH   SOLE   19,294 0 0
ISHARES TR CORE S&P500 ETF 464287200 4,477 17,624 SH   SOLE   17,624 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 1,008 17,625 SH   SOLE   17,625 0 0
ISHARES TR MIN VOL USA ETF 46429B697 2,317 5,386 SH   SOLE   5,386 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 4,565 35,129 SH   SOLE   35,129 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 4,041 33,216 SH   SOLE   33,216 0 0
VANGUARD SCOTTSDALE FDS VNG RUS1000GRW 92206C680 2,443 17,958 SH   SOLE   17,958 0 0
ISHARES TR USA MOMENTUM FCT 46432F396 2,898 28,610 SH   SOLE   28,610 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 3,721 37,098 SH   SOLE   37,098 0 0
ISHARES TR EDGE MSCI USA VL 46432F388 4,092 49,698 SH   SOLE   49,698 0 0
FIRST TR EXCHANGE TRADED FD NASDAQ CYB ETF 33734X846 2,451 104,760 SH   SOLE   104,760 0 0
ARK ETF TR INNOVATION ETF 00214Q104 1,155 104,761 SH   SOLE   104,761 0 0
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 3,691 97,870 SH   SOLE   97,870 0 0
ISHARES TR CORE MSCI EAFE 46432F842 3,951 70,413 SH   SOLE   70,413 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 3,974 85,938 SH   SOLE   85,938 0 0
ISHARES TR CORE MSCI TOTAL 46432F834 3,949 74,008 SH   SOLE   74,008 0 0
ISHARES TR MULTIFACTOR INTL 46434V274 3,460 164,578 SH   SOLE   164,578 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 4,154 54,052 SH   SOLE   54,052 0 0
ISHARES INC MLT FCTR EMG MKT 46434G889 884 35,982 SH   SOLE   35,982 0 0
ISHARES INC MSCI JPN ETF NEW 46434G822 1,465 28,831 SH   SOLE   28,831 0 0
VANGUARD BD INDEX FD INC INTERMED TERM 921937819 2,777 41,105 SH   SOLE   41,105 0 0
VANGUARD BD INDEX FD INC TOTAL BND MRKT 921937835 3,872 48,761 SH   SOLE   48,761 0 0
ISHARES TR CORE US AGGBD ET 464287226 4,152 38,813 SH   SOLE   38,813 0 0
ISHARES TR CORE TOTAL USD 46434V613 2,364 47,936 SH   SOLE   47,936 0 0
VANGUARD BD INDEX FD INC SHORT TRM BOND 921937827 3,960 50,376 SH   SOLE   50,376 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 3,396 43,554 SH   SOLE   43,554 0 0
VANGUARD INDEX FDS SHORT TERM TREAS 92206C102 1,585 26,359 SH   SOLE   26,359 0 0
ISHARES TR IBONDS DEC19 ETF 46434VAU4 558 140,036 SH   SOLE   140,036 0 0
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 1,722 17,070 SH   SOLE   17,070 0 0
SPDR SER TR SPDR BLOOMBERG 78468R663 508 5,559 SH   SOLE   5,559 0 0
ETF SER SOLUTIONS CLEARSHS ULTRA 26922A453 4,936 54,334 SH   SOLE   54,334 0 0