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
iShares Core S&P 500 ETF COM 464287200 17,779 49,572 SH   SOLE   0 0 49,572
iShares Core U.S. Aggregate Bond ETF COM 464287226 4,756 49,366 SH   SOLE   0 0 49,366
iShares Gold Trust COM 464285105 1,657 52,545 SH   SOLE   0 0 52,545
iShares Russell 1000 Growth ETF COM 464287614 9,239 43,911 SH   SOLE   0 0 43,911
iShares Russell 3000 ETF COM 464287689 12,747 61,568 SH   SOLE   0 0 61,568
iShares S&P National Short Term Municipal Bond Fund COM 464288158 1,432 13,947 SH   SOLE   0 0 13,947
Janus Henderson AAA CLO ETF COM 47103U845 10,858 221,137 SH   SOLE   0 0 221,137
Janus Henderson BBB CLO ETF COM 47103U753 6,490 148,455 SH   SOLE   0 0 148,455
Johnson & Johnson COM 478160104 223 1,368 SH   SOLE   0 0 1,368
JP Morgan Ultra-Short Income ETF COM 46641Q837 9,686 193,107 SH   SOLE   0 0 193,107
JP Morgan Ultra-Short Municipal Income ETF COM 46641Q654 1,735 34,493 SH   SOLE   0 0 34,493
Microsoft Corporation COM 594918104 248 1,065 SH   SOLE   0 0 1,065
Pimco 0-5 Year High Yield Corporate Bond Index Fund COM 72201R783 2,435 27,875 SH   SOLE   0 0 27,875
Pimco Enhanced Low Duration Active ETF COM 72201R718 1,391 14,682 SH   SOLE   0 0 14,682
Pimco Enhanced Short Maturity Active ETF COM 72201R833 8,994 90,974 SH   SOLE   0 0 90,974
PowerShares FTSE RAFI US 1000 Portfolio COM 46137V613 8,463 60,987 SH   SOLE   0 0 60,987
ProShares Short QQQ COM 74347B714 7,396 495,710 SH   SOLE   0 0 495,710
ProShares Short S&P 500 Index Fund COM 74347B425 6,926 400,800 SH   SOLE   0 0 400,800
SPDR Blackstone Senior Loan ETF COM 78467V608 2,390 58,480 SH   SOLE   0 0 58,480
SPDR Portfolio Aggregate Bond ETF COM 78464A649 379 15,208 SH   SOLE   0 0 15,208
SPDR Portfolio Large Cap ETF COM 78464A854 2,415 51,081 SH   SOLE   0 0 51,081
SPDR Portfolio S&P 500 Growth ETF COM 78462F103 3,996 79,759 SH   SOLE   0 0 79,759
SPDR Portfolio Short Term Corporate Bond ETF COM 78464A474 10,155 347,538 SH   SOLE   0 0 347,538
SPDR Portfolio Total Stock Market ETF COM 78464A805 1,965 44,550 SH   SOLE   0 0 44,550
SPDR S&P 500 ETF COM 78462F103 450 1,259 SH   SOLE   0 0 1,259
Vanguard Intermediate Term Bond ETF COM 921937819 1,655 22,525 SH   SOLE   0 0 22,525
Vanguard Small-Cap ETF COM 922908751 6,936 40,580 SH   SOLE   0 0 40,580
Vanguard Total Stock Market ETF COM 922908769 4,617 25,727 SH   SOLE   0 0 25,727
Vanguard Ultra-Short Bond ETF COM 92203C303 1,978 40,410 SH   SOLE   0 0 40,410