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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
APPLE INC COM 037833100   238 1,389 SH   SOLE   1,389 0 0
ISHARES TR EAFE VALUE ETF 464288877   224 4,122 SH   SOLE   4,122 0 0
SPDR GOLD TR GOLD SHS 78463V107   2,762 13,427 SH   SOLE   13,427 0 0
ISHARES TR US HOME CONS ETF 464288752   2,536 21,904 SH   SOLE   21,904 0 0
ISHARES TR RUSSELL 2000 ETF 464287655   538 2,557 SH   SOLE   2,557 0 0
ISHARES TR U.S. TECH ETF 464287721   9,577 70,905 SH   SOLE   70,905 0 0
VANECK ETF TRUST MRNGSTR WDE MOAT 92189F643   446 4,960 SH   SOLE   4,960 0 0
INVESCO QQQ TR UNIT SER 1 46090E103   4,698 10,580 SH   SOLE   10,580 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   3,512 20,733 SH   SOLE   20,733 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   7,823 84,373 SH   SOLE   84,373 0 0
VANECK ETF TRUST SEMICONDUCTR ETF 92189F676   7,361 32,718 SH   SOLE   32,718 0 0
SPDR SER TR PORTFOLIO S&P500 78464A854   3,155 51,279 SH   SOLE   51,279 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   37,418 71,534 SH   SOLE   71,534 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   1,828 36,433 SH   SOLE   36,433 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   531 9,061 SH   SOLE   9,061 0 0
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874   1,310 19,447 SH   SOLE   19,447 0 0
VANGUARD WORLD FD INF TECH ETF 92204A702   2,455 4,682 SH   SOLE   4,682 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   38,668 80,441 SH   SOLE   80,441 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736   2,252 6,543 SH   SOLE   6,543 0 0
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852   4,303 52,696 SH   SOLE   52,696 0 0
SELECT SECTOR SPDR TR ENERGY 81369Y506   346 3,665 SH   SOLE   3,665 0 0
SELECT SECTOR SPDR TR INDL 81369Y704   857 6,802 SH   SOLE   6,802 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   15,956 76,610 SH   SOLE   76,610 0 0