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   238,518 1,260 SH   SOLE   0 0 1,260
Amazon.com Inc. COM 023135106   200,303 913 SH   SOLE   0 0 913
Apple Inc COM 037833100   312,775 1,249 SH   SOLE   0 0 1,249
Capital Group Core Plus Income ETF COM 14020Y102   6,778,215 305,325 SH   SOLE   0 0 305,325
Dimensional International Value ETF COM 25434V807   3,778,620 106,500 SH   SOLE   0 0 106,500
Dimensional Large Cap Value ETF COM 25434V666   1,836,395 61,152 SH   SOLE   0 0 61,152
Dimensional National Municipal Bond ETF COM 25434V849   8,773,773 183,667 SH   SOLE   0 0 183,667
Franklin FTSE Japan ETF COM 35473P744   7,265,166 253,938 SH   SOLE   0 0 253,938
Innovator US Small Cap Power Buffer ETF COM 45782C599   7,756,434 253,727 SH   SOLE   0 0 253,727
iShares Barclays 7-10 Year Treasury Bonds COM 464287440   6,695,506 72,423 SH   SOLE   0 0 72,423
iShares Core S&P 500 ETF COM 464287200   28,599,252 48,582 SH   SOLE   0 0 48,582
iShares Core U.S. Aggregate Bond ETF COM 464287226   3,096,730 31,958 SH   SOLE   0 0 31,958
iShares Gold Trust COM 464285204   2,296,521 46,385 SH   SOLE   0 0 46,385
Ishares Russell 1000 Growth Etf COM 464287614   15,729,085 39,168 SH   SOLE   0 0 39,168
iShares Russell 3000 ETF COM 464287689   19,147,177 57,284 SH   SOLE   0 0 57,284
iShares S&P National Muni Bond Fund COM 464288414   1,169,067 10,972 SH   SOLE   0 0 10,972
iShares S&P National Short Term Municipal Bond COM 464288158   672,857 6,379 SH   SOLE   0 0 6,379
iShares Trust Broad USD Investment Grade COM 464288620   2,222,728 44,207 SH   SOLE   0 0 44,207
Janus Henderson AAA CLO ETF COM 47103U845   11,228,969 221,435 SH   SOLE   0 0 221,435
JP Morgan Ultra-Short Income ETF COM 46641Q837   3,328,953 66,090 SH   SOLE   0 0 66,090
JP Morgan Ultra-Short Municipal Income ETF COM 46641Q654   1,658,268 32,701 SH   SOLE   0 0 32,701
JPMorgan Active Bond ETF COM 46654Q716   3,229,729 61,813 SH   SOLE   0 0 61,813
Microsoft Corp COM 594918104   751,956 1,784 SH   SOLE   0 0 1,784
Pimco 0-5 Year High Yield Corporate Bond Index COM 72201R783   2,566,083 27,392 SH   SOLE   0 0 27,392
Pimco Enhanced Low Duration Active ETF COM 72201R718   1,279,895 13,474 SH   SOLE   0 0 13,474
Pimco Enhanced Short Maturity Active ETF COM 72201R833   6,171,913 61,510 SH   SOLE   0 0 61,510
PowerShares FTSE RAFI US 1000 Portfolio COM 46137V613   11,871,376 294,283 SH   SOLE   0 0 294,283
SPDR Blackstone Senior Loan ETF COM 78467V608   2,211,273 52,990 SH   SOLE   0 0 52,990
SPDR Portfolio Aggregate Bond ETF COM 78464A649   2,394,392 95,814 SH   SOLE   0 0 95,814
SPDR Portfolio Large Cap ETF COM 78464A854   3,444,311 49,961 SH   SOLE   0 0 49,961
SPDR Portfolio S&P 500 Growth ETF COM 78464A409   7,479,059 85,086 SH   SOLE   0 0 85,086
SPDR Portfolio Short Term Corporate Bond ETF COM 78464A474   3,342,469 111,938 SH   SOLE   0 0 111,938
SPDR Portfolio Total Stock Market ETF COM 78464A805   3,199,564 44,793 SH   SOLE   0 0 44,793
SPDR S&P 500 ETF COM 78462F103   608,351 1,038 SH   SOLE   0 0 1,038
Vanguard FTSE Developed Markets ETF COM 921943858   3,688,309 77,129 SH   SOLE   0 0 77,129
Vanguard Intermediate Term Bond ETF COM 921937819   2,024,735 27,094 SH   SOLE   0 0 27,094
Vanguard Short-Term Corporate Bond ETF COM 92206C409   2,772,787 35,544 SH   SOLE   0 0 35,544
Vanguard Small-Cap ETF COM 922908751   9,417,294 39,193 SH   SOLE   0 0 39,193
Vanguard Total Stock Market ETF COM 922908769   7,802,844 26,924 SH   SOLE   0 0 26,924
Vanguard Ultra-Short Bond ETF COM 92203C303   2,006,236 40,432 SH   SOLE   0 0 40,432