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 3,876 106,943 SH   SOLE   106,943 0 0
iShares Core Growth Allocation ETF GRWT ALLOCAT ETF 464289867 765 15,986 SH   SOLE   15,986 0 0
iShares Core US Aggregate Bond ETF CORE US AGGBD ET 464287226 21,130 188,038 SH   SOLE   188,038 0 0
iShares iBoxx $ High Yield Corp Bd ETF IBOXX HI YD ETF 464288513 1,059 12,039 SH   SOLE   12,039 0 0
iShares Russell 1000 Growth ETF RUS 1000 GRW ETF 464287614 56,190 319,347 SH   SOLE   319,347 0 0
iShares Russell 1000 Value ETF RUS 1000 VAL ETF 464287598 1,603 11,745 SH   SOLE   11,745 0 0
iShares Russell 2000 Growth ETF RUS 2000 GRW ETF 464287648 22 103 SH   SOLE   103 0 0
iShares Russell 2000 Value ETF RUS 2000 VAL ETF 464287630 18 141 SH   SOLE   141 0 0
iShares S&P 500 Growth ETF S&P 500 GRWT ETF 464287309 29,855 154,177 SH   SOLE   154,177 0 0
PIMCO Enhanced Short Maturity Active ETF ENHAN SHRT MA AC 72201R833 20,113 197,984 SH   SOLE   197,984 0 0
Invesco Fundamental Hi Yld Corp Bd ETF FNDMNTL HY CRP 46138E719 3,102 161,034 SH   SOLE   161,034 0 0
Invesco International Corporate Bond ETF INTL CORP BD 46138E636 561 20,687 SH   SOLE   20,687 0 0
Schwab International Equity ET INTL EQTY ETF 808524805 8,890 264,353 SH   SOLE   264,353 0 0
Schwab US Large-Cap ET US LRG CAP ETF 808524201 42,679 555,638 SH   SOLE   555,638 0 0
Schwab US Large-Cap Value ET US LCAP VA ETF 808524409 24,562 408,542 SH   SOLE   408,542 0 0
SPDR Portfolio S&P 500 Growth ETF PRTFLO S&P500 GW 78464A409 27,680 660,472 SH   SOLE   660,472 0 0
Vanguard High Dividend Yield ETF HIGH DIV YLD 921946406 21,885 233,535 SH   SOLE   233,535 0 0
Vanguard Real Estate ETF REAL ESTATE ETF 922908553 39,977 43,083 SH   SOLE   43,083 0 0
Vanguard Russell 1000 Growth ETF VNG RUS1000GRW 92206C680 5,220 28,850 SH   SOLE   28,850 0 0
Vanguard Total International Bond ETF INTL BD IDX ETF 92203J407 28,808 509,154 SH   SOLE   509,154 0 0
WisdomTree US LargeCap Dividend ETF US LARGECAP DIVD 97717W307 20,612 194,577 SH   SOLE   194,577 0 0
ISHARES INC MSCI EURZONE ETF 464286608 7,807 186,239 SH   SOLE   186,239 0 0
First Trust Exchange-Traded Fund PFD SECS INC ETF 33739E108 6,250 311,474 SH   SOLE   311,474 0 0
SPDR Series Trust PORTFOLIO SHORT 78464A474 3,046 98,782 SH   SOLE   98,782 0 0
Apple Inc COM 037833100 361 1,231 SH   SOLE   1,231 0 0
Microsoft Corp COM 594918104 212 1,347 SH   SOLE   1,347 0 0