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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
OMB APPROVAL
OMB Number: 3235-0006
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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
INVESCO EXCH TRADED FD TR II FNDMNTL HY CRP ETF 46138E719   15,154 861 SH   SOLE   861 0 0
ISHARES TR MSCI EAFE ETF 464287465   18,445 267 SH   SOLE   267 0 0
ISHARES TR U.S. FIXED INCME ETF 46435U796   78,447 919 SH   SOLE   919 0 0
ISHARES TR CORE US AGGBD ETF 464287226   83,979 843 SH   SOLE   804 0 39
ISHARES TR MSCI USA QLT FCT ETF 46432F339   165,947 1,400 SH   SOLE   1,347 0 53
ISHARES TR MSCI USA MIN VOL ETF 46429B697   273,563 3,708 SH   SOLE   2,756 0 952
ISHARES TR NATIONAL MUN ETF 464288414   540,997 5,042 SH   SOLE   5,042 0 0
ISHARES TR MSCI USA VALUE ETF 46432F388   2,073,672 21,680 SH   SOLE   13,008 0 8,672
ISHARES TR RUSSELL 3000 ETF 464287689   3,505,271 15,337 SH   SOLE   0 0 15,337
ISHARES TR MSCI USA MMENTM ETF 46432F396   8,129,483 55,980 SH   SOLE   37,380 0 18,600
ISHARES TR 0-3 MNTH TREASRY ETF 46436E718   21,130,238 210,860 SH   SOLE   107,387 0 103,473
PIMCO ETF TR ENHAN SHRT MA AC ETF 72201R833   157,147 1,588 SH   SOLE   4 0 1,584
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   65,090 1,132 SH   SOLE   1,132 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   87,885 2,064 SH   SOLE   2,064 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   2,613,150 77,061 SH   SOLE   32,199 0 44,862
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   12,456,777 266,512 SH   SOLE   108,359 0 158,153
SELECT SECTOR SPDR TR ENERGY ETF 81369Y506   25,766 292 SH   SOLE   2 0 290
SPDR SER TR S&P 600 SMCP VAL ETF 78464A300   274,553 3,480 SH   SOLE   144 0 3,336
SPDR SER TR PRTFLO S&P500 VL ETF 78464A508   1,134,896 27,809 SH   SOLE   1,139 0 26,670
SPDR SER TR PORTFOLI S&P1500 ETF 78464A805   1,346,199 27,485 SH   SOLE   1,139 0 26,346
SPDR SER TR S&P 600 SML CAP ETF 78464A813   4,596,305 53,260 SH   SOLE   53,260 0 0
STRATEGY SHS DAY HAGAN NED ETF 86280R803   2,995,215 94,506 SH   SOLE   28,647 0 65,859
VANGUARD INDEX FDS SMALL CP ETF 922908751   131,448 681 SH   SOLE   681 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   10,511,967 28,923 SH   SOLE   28,829 0 94