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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
ISHARES TR MSCI USA MIN VOL ETF 46429B697   273,211 3,719 SH   SOLE   2,767 0 952
ISHARES TR MSCI USA MMENTM ETF 46432F396   420,214 2,945 SH   SOLE   2,036 0 909
ISHARES TR MSCI USA VALUE ETF 46432F388   431,252 4,641 SH   SOLE   2,501 0 2,140
ISHARES TR NATIONAL MUN ETF 464288414   546,874 5,063 SH   SOLE   5,063 0 0
ISHARES TR MSCI USA QLT FCT ETF 46432F339   1,939,517 15,629 SH   SOLE   9,213 0 6,416
ISHARES TR 0-3 MNTH TREASRY ETF 46436E718   2,805,339 27,961 SH   SOLE   26,719 0 1,242
ISHARES TR CORE S&P500 ETF 464287200   5,321,671 12,933 SH   SOLE   7,178 0 5,755
ISHARES TR CORE US AGGBD ETF 464287226   23,316,811 233,752 SH   SOLE   84,151 0 149,601
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   669,519 13,856 SH   SOLE   7,664 0 6,192
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   1,001,025 28,584 SH   SOLE   16,182 0 12,402
SELECT SECTOR SPDR TR SBI INT-UTILS ETF 81369Y886   338,655 4,861 SH   SOLE   3,164 0 1,697
SELECT SECTOR SPDR TR RL EST SEL SEC ETF 81369Y860   743,251 19,932 SH   SOLE   12,699 0 7,233
SELECT SECTOR SPDR TR SBI CONS STPLS ETF 81369Y308   1,011,964 13,428 SH   SOLE   8,521 0 4,907
SELECT SECTOR SPDR TR SBI MATERIALS ETF 81369Y100   1,217,754 15,220 SH   SOLE   9,619 0 5,601
SELECT SECTOR SPDR TR ENERGY ETF 81369Y506   2,122,223 24,775 SH   SOLE   15,633 0 9,142
SELECT SECTOR SPDR TR SBI CONS DISCR ETF 81369Y407   2,547,279 17,499 SH   SOLE   11,098 0 6,401
SELECT SECTOR SPDR TR COMMUNICATION ETF 81369Y852   2,997,949 50,986 SH   SOLE   32,448 0 18,538
SELECT SECTOR SPDR TR SBI INT-INDS ETF 81369Y704   3,008,483 30,493 SH   SOLE   19,460 0 11,033
SELECT SECTOR SPDR TR SBI HEALTHCARE ETF 81369Y209   3,320,875 24,889 SH   SOLE   15,870 0 9,019
SELECT SECTOR SPDR TR FINANCIAL ETF 81369Y605   3,991,557 124,503 SH   SOLE   79,344 0 45,159
SELECT SECTOR SPDR TR TECHNOLOGY ETF 81369Y803   14,023,947 94,127 SH   SOLE   59,931 0 34,196
SPDR SER TR S&P 600 SMCP GRW ETF 78464A201   273,404 3,766 SH   SOLE   306 0 3,460
SPDR SER TR PORTFOLI S&P1500 ETF 78464A805   1,729,668 34,312 SH   SOLE   3,452 0 30,860
SPDR SER TR PRTFLO S&P500 GW ETF 78464A409   3,760,840 67,763 SH   SOLE   6,753 0 61,010
SPDR SER TR S&P 600 SML CAP ETF 78464A813   4,385,761 53,045 SH   SOLE   53,045 0 0