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
Alphabet Inc. - Class A COM 02079K305   240,156 1,260 SH   SOLE   0 0 1,260
Apple Inc COM 037833100   284,509 1,257 SH   SOLE   0 0 1,257
Capital Group Core Plus Income ETF COM 14020Y102   7,018,077 313,307 SH   SOLE   0 0 313,307
Dimensional International Value ETF COM 25434V807   4,013,614 109,333 SH   SOLE   0 0 109,333
Dimensional Large Cap Value ETF COM 25434V666   1,319,138 45,963 SH   SOLE   0 0 45,963
Dimensional National Municipal Bond ETF COM 25434V849   8,987,211 187,507 SH   SOLE   0 0 187,507
Franklin FTSE Japan ETF COM 35473P744   7,606,541 258,902 SH   SOLE   0 0 258,902
Invesco Senior Loan ETF COM 46138G508   276,359 13,110 SH   SOLE   0 0 13,110
iShares Barclays 7-10 Year Treasury Bonds COM 464287440   7,002,208 74,365 SH   SOLE   0 0 74,365
iShares Core S&P 500 ETF COM 464287200   27,996,205 50,194 SH   SOLE   0 0 50,194
iShares Core U.S. Aggregate Bond ETF COM 464287226   3,113,875 31,911 SH   SOLE   0 0 31,911
iShares Gold Trust COM 464285204   2,242,962 49,678 SH   SOLE   0 0 49,678
Ishares Russell 1000 Growth Etf COM 464287614   15,337,728 40,576 SH   SOLE   0 0 40,576
iShares Russell 3000 ETF COM 464287689   18,405,757 58,632 SH   SOLE   0 0 58,632
iShares S&P National Muni Bond Fund COM 464288414   1,093,126 10,219 SH   SOLE   0 0 10,219
iShares S&P National Short Term Municipal Bond Fund COM 464288158   668,103 6,386 SH   SOLE   0 0 6,386
iShares Trust Broad USD Investment Grade Corporate Bond ETF COM 464288620   2,140,894 42,352 SH   SOLE   0 0 42,352
Janus Henderson AAA CLO ETF COM 47103U845   11,600,380 228,985 SH   SOLE   0 0 228,985
JP Morgan Ultra-Short Income ETF COM 46641Q837   6,945,188 137,993 SH   SOLE   0 0 137,993
JP Morgan Ultra-Short Municipal Income ETF COM 46641Q654   1,768,180 34,896 SH   SOLE   0 0 34,896
Microsoft Corp COM 594918104   834,127 1,784 SH   SOLE   0 0 1,784
Pimco 0-5 Year High Yield Corporate Bond Index Fund COM 72201R783   2,635,318 28,352 SH   SOLE   0 0 28,352
Pimco Enhanced Low Duration Active ETF COM 72201R718   1,202,558 12,708 SH   SOLE   0 0 12,708
Pimco Enhanced Short Maturity Active ETF COM 72201R833   6,755,850 67,343 SH   SOLE   0 0 67,343
PowerShares FTSE RAFI US 1000 Portfolio COM 46137V613   11,541,896 303,096 SH   SOLE   0 0 303,096
SPDR Blackstone Senior Loan ETF COM 78467V608   2,198,343 52,756 SH   SOLE   0 0 52,756
SPDR Portfolio Aggregate Bond ETF COM 78464A649   2,573,424 102,120 SH   SOLE   0 0 102,120
SPDR Portfolio Large Cap ETF COM 78464A854   3,402,983 52,153 SH   SOLE   0 0 52,153
SPDR Portfolio S&P 500 Growth ETF COM 78464A409   7,245,765 87,351 SH   SOLE   0 0 87,351
SPDR Portfolio Short Term Corporate Bond ETF COM 78464A474   3,354,348 112,865 SH   SOLE   0 0 112,865
SPDR Portfolio Total Stock Market ETF COM 78464A805   3,044,158 45,112 SH   SOLE   0 0 45,112
SPDR S&P 500 ETF COM 78462F103   591,246 1,066 SH   SOLE   0 0 1,066
Vanguard FTSE Developed Markets ETF COM 921943858   3,995,088 79,142 SH   SOLE   0 0 79,142
Vanguard Intermediate Term Bond ETF COM 921937819   2,023,504 26,869 SH   SOLE   0 0 26,869
Vanguard Short-Term Corporate Bond ETF COM 92206C409   3,206,275 41,398 SH   SOLE   0 0 41,398
Vanguard Small-Cap ETF COM 922908751   8,701,847 40,197 SH   SOLE   0 0 40,197
Vanguard Total Stock Market ETF COM 922908769   7,644,667 28,093 SH   SOLE   0 0 28,093
Vanguard Ultra-Short Bond ETF COM 92203C303   1,968,204 39,818 SH   SOLE   0 0 39,818