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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
iShares Core Conservative Allocation ETF CONSER ALLOC ETF 464289883 3,785 106,943 SH   SOLE   106,943 0 0
iShares Core Growth Allocation ETF GRWT ALLOCAT ETF 464289867 736 15,986 SH   SOLE   15,986 0 0
iShares Core US Aggregate Bond ETF CORE US AGGBD ET 464287226 2,379 21,365 SH   SOLE   21,365 0 0
iShares iBoxx $ High Yield Corp Bd ETF IBOXX HI YD ETF 464288513 1,433 16,441 SH   SOLE   16,441 0 0
iShares Russell 1000 Growth ETF RUS 1000 GRW ETF 464287614 49,131 312,263 SH   SOLE   312,263 0 0
iShares Russell 1000 Value ETF RUS 1000 VAL ETF 464287598 1,472 11,573 SH   SOLE   11,573 0 0
iShares Russell 2000 Growth ETF RUS 2000 GRW ETF 464287648 21 103 SH   SOLE   103 0 0
iShares Russell 2000 Value ETF RUS 2000 VAL ETF 464287630 17 141 SH   SOLE   141 0 0
iShares S&P 500 Growth ETF S&P 500 GRWT ETF 464287309 27,403 152,887 SH   SOLE   152,887 0 0
iShares TIPS Bond ETF TIPS BD ETF 464287176 138 1,194 SH   SOLE   1,194 0 0
PIMCO Enhanced Short Maturity Active ETF ENHAN SHRT MA AC 72201R833 24,248 238,310 SH   SOLE   238,310 0 0
Invesco Fundamental Hi Yld Corp Bd ETF FNDMNTL HY CRP 46138E719 4,091 215,895 SH   SOLE   215,895 0 0
Invesco International Corporate Bond ETF INTL CORP BD 46138E636 547 20,542 SH   SOLE   20,542 0 0
Schwab International Equity ET INTL EQTY ETF 808524805 8,451 263,342 SH   SOLE   263,342 0 0
Schwab US Large-Cap ET US LRG CAP ETF 808524201 23,481 334,538 SH   SOLE   334,538 0 0
Schwab US Large-Cap Value ET US LCAP VA ETF 808524409 19,259 343,047 SH   SOLE   343,047 0 0
SPDR Portfolio S&P 500 Growth ETF PRTFLO S&P500 GW 78464A409 22,948 592,513 SH   SOLE   592,513 0 0
Vanguard High Dividend Yield ETF HIGH DIV YLD 921946406 19,398 221,992 SH   SOLE   221,992 0 0
Vanguard Real Estate ETF REIT ETF 922908553 4,699 53,764 SH   SOLE   53,764 0 0
Vanguard Russell 1000 Growth ETF VNG RUS1000GRW 92206C680 3,510 21,632 SH   SOLE   21,632 0 0
Vanguard Short-Term Infl-Prot Secs ETF STRM INFPROIDX 922020805 227 4,599 SH   SOLE   4,599 0 0
Vanguard Total International Bond ETF INTL BD IDX ETF 92203J407 30,054 524,509 SH   SOLE   524,509 0 0
WisdomTree US LargeCap Dividend ETF US LARGECAP DIVD 97717W307 18,691 192,887 SH   SOLE   192,887 0 0
ISHARES INC MSCI EURZONE ETF 464286608 7,344 185,670 SH   SOLE   185,670 0 0