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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
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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 MERRIMACK STR TR TOTAL BD ETF 316188309   2,162,510 47,727 SH   SOLE   0 0 0
FIRST TR EXCH TRADED FD III PFD SEC S INC ETF 33739E108   3,433,153 198,219 SH   SOLE   0 0 0
ISHARES TR 10+ YR INVST GRD 464289511   59,284,353 1,150,929 SH   SOLE   0 0 0
ISHARES TR CORE MSCI TOTAL 46432F834   5,134,288 75,660 SH   SOLE   0 0 0
ISHARES TR CORE TOTAL USD 46434V613   1,664,263 36,505 SH   SOLE   0 0 0
ISHARES TR CORE US AGGBD ET 464287226   1,505,632 15,373 SH   SOLE   0 0 0
ISHARES TR EDGE MSCI USA QLT FCT 46432F339   2,632,065 16,015 SH   SOLE   0 0 0
ISHARES TR IBOXX INV CP ETF 464287242   2,034,952 18,683 SH   SOLE   0 0 0
ISHARES TR INTL RE ETF 464288489   1,005,076 47,231 SH   SOLE   0 0 0
ISHARES TR INTL SEL DIV ETF 464288448   7,428,441 264,923 SH   SOLE   0 0 0
ISHARES TR JPMORGAN USD EMG 464288281   2,333,662 26,025 SH   SOLE   0 0 0
ISHARES TR RUSSELL 3000 ETF 464287689   1,189,517 3,964 SH   SOLE   0 0 0
ISHARES TR SHORT TREAS BD 464288679   499,862 4,522 SH   SOLE   0 0 0
ISHARES TR U.S. REAL ES ETF 464287739   1,434,804 15,960 SH   SOLE   0 0 0
PIMCO ETF TR INTER MUNI BD ACT 72201R817   13,962,596 145,368 SH   SOLE   0 0 0
SCHWAB STRATEGIC TR SCHWAB US BD MKT ETF 808524102   54,843,658 898,340 SH   SOLE   0 0 0
SPDR SER TR BLOOMBERG HIGH Y 78468R622   2,319,072 24,360 SH   SOLE   0 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   2,950,507 70,637 SH   SOLE   0 0 0
VANGUARD TAX-MANAGED FUNDS VAN FTSE DEV MKT 921943858   11,309,221 225,418 SH   SOLE   0 0 0
VANGUARD WHITEHALL FDS ETF 921946406   8,029,864 66,368 SH   SOLE   0 0 0
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706   6,328,670 108,090 SH   SOLE   0 0 0
VANGUARD SCOTTSDALE FDS LG-TERM COR BD 92206C813   59,982,070 766,740 SH   SOLE   0 0 0
VANGUARD INDEX FUNDS REAL ESTATE ETF 922908553   5,517,510 63,801 SH   SOLE   0 0 0
VANGUARD BD INDEX FDS TOTAL BD MKT 921937835   6,600,324 90,876 SH   SOLE   0 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769   128,198,534 493,261 SH   SOLE   0 0 0