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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
Dimensional International Value ETF COM 25434V807   3,552,253 108,898 SH   SOLE   0 0 108,898
Dimensional Large Cap Value ETF COM 25434V666   800,197 32,253 SH   SOLE   0 0 32,253
Dimensional National Municipal Bond ETF COM 25434V849   7,965,934 171,421 SH   SOLE   0 0 171,421
iShares Core S&P 500 ETF COM 464287200   21,565,545 50,219 SH   SOLE   0 0 50,219
iShares Core U.S. Aggregate Bond ETF COM 464287226   5,282,791 56,176 SH   SOLE   0 0 56,176
iShares Gold Trust COM 464285204   1,843,763 52,694 SH   SOLE   0 0 52,694
iShares Russell 1000 Growth ETF COM 464287614   10,936,711 41,117 SH   SOLE   0 0 41,117
iShares Russell 3000 ETF COM 464287689   14,525,686 59,274 SH   SOLE   0 0 59,274
iShares S&P National Short Term Municipal Bond Fund COM 464288158   2,190,404 21,295 SH   SOLE   0 0 21,295
Janus Henderson AAA CLO ETF COM 47103U845   11,396,021 226,426 SH   SOLE   0 0 226,426
JP Morgan Ultra-Short Income ETF COM 46641Q837   9,594,065 191,193 SH   SOLE   0 0 191,193
JP Morgan Ultra-Short Municipal Income ETF COM 46641Q654   1,760,806 34,902 SH   SOLE   0 0 34,902
Microsoft Corp Com COM 594918104   272,492 863 SH   SOLE   0 0 863
Pimco 0-5 Year High Yield Corporate Bond Index Fund COM 72201R783   2,537,520 28,101 SH   SOLE   0 0 28,101
Pimco Enhanced Low Duration Active ETF COM 72201R718   1,634,263 17,434 SH   SOLE   0 0 17,434
Pimco Enhanced Short Maturity Active ETF COM 72201R833   9,044,344 90,317 SH   SOLE   0 0 90,317
PowerShares FTSE RAFI US 1000 Portfolio COM 46137V613   9,699,850 304,835 SH   SOLE   0 0 304,835
ProShares Short S&P 500 Index Fund COM 74347B425   5,761,375 398,160 SH   SOLE   0 0 398,160
SPDR Blackstone Senior Loan ETF COM 78467V608   2,492,235 59,438 SH   SOLE   0 0 59,438
SPDR Portfolio Large Cap ETF COM 78464A854   2,791,842 55,548 SH   SOLE   0 0 55,548
SPDR Portfolio S&P 500 Growth ETF COM 78464A409   5,171,113 87,232 SH   SOLE   0 0 87,232
SPDR Portfolio Short Term Corporate Bond ETF COM 78464A474   6,324,705 215,713 SH   SOLE   0 0 215,713
SPDR Portfolio Total Stock Market ETF COM 78464A805   2,621,613 49,945 SH   SOLE   0 0 49,945
SPDR S&P 500 ETF COM 78462F103   472,365 1,105 SH   SOLE   0 0 1,105
Vanguard FTSE Developed Markets ETF COM 921943858   3,457,115 79,074 SH   SOLE   0 0 79,074
Vanguard Intermediate Term Bond ETF COM 921937819   1,907,465 26,379 SH   SOLE   0 0 26,379
Vanguard Short-Term Corporate Bond ETF COM 92206C409   3,828,291 50,942 SH   SOLE   0 0 50,942
Vanguard Small-Cap ETF COM 922908751   7,633,512 40,374 SH   SOLE   0 0 40,374
Vanguard Total Stock Market ETF COM 922908769   5,642,884 26,566 SH   SOLE   0 0 26,566
Vanguard Ultra-Short Bond ETF COM 92203C303   1,976,700 40,185 SH   SOLE   0 0 40,185