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
Estimated average burden
hours per response: 23.8
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 1,095 3,270 SH   SOLE   0 0 3,270
SPDR SER TR BLMBRG BRC CNVRT 78464A359 3,929 57,031 SH   SOLE   0 0 57,031
SPDR SER TR SSGA US LRG ETF 78468R804 2,540 23,439 SH   SOLE   0 0 23,439
ISHARES TR MSCI USA QLT FCT 46432F339 2,617 25,230 SH   SOLE   0 0 25,230
ISHARES TR 1 3 YR TREAS BD 464287457 1,321 15,267 SH   SOLE   0 0 15,267
ISHARES TR BARCLAYS 7 10 YR 464287440 354 2,905 SH   SOLE   0 0 2,905
WISDOMTREE TR US DIVID EX FNCL 97717W406 1,986 26,339 SH   SOLE   0 0 26,339
WISDOMTREE TR INTRST RATE HDGE 97717W380 839 17,926 SH   SOLE   0 0 17,926
SSGA ACTIVE ETF TR ULT SHT TRM BD 78467V707 3,444 85,176 SH   SOLE   0 0 85,176
SPDR SER TR PRTFLO S&P500 GW 78464A409 1,376 27,458 SH   SOLE   0 0 27,458
ISHARES U S ETF TR SHT MAT BD ETF 46431W507 2,194 43,792 SH   SOLE   0 0 43,792
ISHARES TR MSCI EAFE ETF 464287465 465 7,300 SH   SOLE   0 0 7,300
ISHARES TR 0-5YR HI YL CP 46434V407 870 19,793 SH   SOLE   0 0 19,793