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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309   2,092,961 46,645 SH   SOLE   0 0 0
FIRST TR EXCH TRADED FD III PFD SEC S INC ETF 33739E108   3,547,700 200,435 SH   SOLE   0 0 0
ISHARES TR 10+ YR INVST GRD 464289511   20,930,829 423,701 SH   SOLE   0 0 0
ISHARES TR CORE MSCI TOTAL 46432F834   5,065,862 76,593 SH   SOLE   0 0 0
ISHARES TR CORE TOTAL USD 46434V613   3,300,052 73,010 SH   SOLE   0 0 0
ISHARES TR CORE US AGGBD ET 464287226   1,402,434 14,473 SH   SOLE   0 0 0
ISHARES TR EDGE MSCI USA QLT FCT 46432F339   2,371,135 13,315 SH   SOLE   0 0 0
ISHARES TR IBOXX INV CP ETF 464287242   2,217,892 20,759 SH   SOLE   0 0 0
ISHARES TR INTL RE ETF 464288489   1,119,690 58,015 SH   SOLE   0 0 0
ISHARES TR INTL SEL DIV ETF 464288448   7,321,275 267,395 SH   SOLE   0 0 0
ISHARES TR JPMORGAN USD EMG 464288281   2,511,462 28,206 SH   SOLE   0 0 0
ISHARES TR RUSSELL 3000 ETF 464287689   1,109,042 3,318 SH   SOLE   0 0 0
ISHARES TR SHORT TREAS BD 464288679   488,008 4,432 SH   SOLE   0 0 0
ISHARES TR U.S. REAL ES ETF 464287739   1,477,607 15,878 SH   SOLE   0 0 0
PIMCO ETF TR INTER MUNI BD ACT 72201R817   12,725,997 133,817 SH   SOLE   0 0 0
SCHWAB STRATEGIC TR SCHWAB US BD MKT ETF 808524102   59,595,265 2,625,342 SH   SOLE   0 0 0
SPDR SER TR BLOOMBERG HIGH Y 78468R622   2,528,332 26,483 SH   SOLE   0 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   3,011,455 68,380 SH   SOLE   0 0 0
VANGUARD TAX-MANAGED FUNDS VAN FTSE DEV MKT 921943858   11,492,963 240,338 SH   SOLE   0 0 0
VANGUARD WHITEHALL FDS ETF 921946406   7,949,367 62,304 SH   SOLE   0 0 0
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706   6,066,916 104,602 SH   SOLE   0 0 0
VANGUARD SCOTTSDALE FDS LG-TERM COR BD 92206C813   21,363,749 285,688 SH   SOLE   0 0 0
VANGUARD INDEX FUNDS REAL ESTATE ETF 922908553   5,713,324 64,137 SH   SOLE   0 0 0
VANGUARD BD INDEX FDS TOTAL BD MKT 921937835   6,345,626 88,244 SH   SOLE   0 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769   140,462,503 484,671 SH   SOLE   0 0 0