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
AMERICAN CENTY ETF TR US SML CP VALU 025072877 1,092 13,700 SH   SOLE   13,700 0 0
FRANKLIN TEMPLETON ETF TR FTSE HONG KONG 35473P777 1,582 64,394 SH   SOLE   64,394 0 0
FRANKLIN TEMPLETON ETF TR FRANKLIN RUSIA 35473P728 2,116 69,765 SH   SOLE   69,765 0 0
FRANKLIN TEMPLETON ETF TR FTSE TAIWAN 35473P686 3,166 68,082 SH   SOLE   68,082 0 0
FRANKLIN TEMPLETON ETF TR FTSE JAPAN ETF 35473P744 4,546 154,715 SH   SOLE   154,715 0 0
FRANKLIN TEMPLETON ETF TR FTSE SOUTH KOREA 35473P710 1,804 65,070 SH   SOLE   65,070 0 0
FRANKLIN TEMPLETON ETF TR FTSE GERMANY 35473P785 3,082 120,789 SH   SOLE   120,789 0 0
FRANKLIN TEMPLETON ETF TR FTSE CANADA 35473P827 2,150 62,308 SH   SOLE   62,308 0 0
FRANKLIN TEMPLETON ETF TR FTSE BRAZIL 35473P835 1,774 100,894 SH   SOLE   100,894 0 0
FRANKLIN TEMPLETON ETF TR FTSE AUSTRALIA 35473P843 1,628 55,200 SH   SOLE   55,200 0 0
FRANKLIN TEMPLETON ETF TR FRANKLN SWZLND 35473P694 5,824 160,500 SH   SOLE   160,500 0 0
INVESCO ACTIVLY MANGD ETC FD OPTIMUM YIELD 46090F100 668 47,524 SH   SOLE   47,524 0 0
ISHARES INC MSCI JPN ETF NEW 46434G822 4,497 67,153 SH   SOLE   67,153 0 0
ISHARES INC MSCI TAIWAN ETF 46434G772 4,463 67,009 SH   SOLE   67,009 0 0
ISHARES INC MSCI SWITZERLAND 464286749 5,319 100,875 SH   SOLE   100,875 0 0
ISHARES INC MSCI SWEDEN ETF 464286756 1,320 28,481 SH   SOLE   28,481 0 0
ISHARES INC MSCI STH KOR ETF 464286772 2,385 30,627 SH   SOLE   30,627 0 0
ISHARES INC MSCI NETHERL ETF 464286814 909 18,092 SH   SOLE   18,092 0 0
ISHARES INC MSCI MEXICO ETF 464286822 3,878 76,646 SH   SOLE   76,646 0 0
ISHARES INC MSCI FRONTIER 464286145 296 8,567 SH   SOLE   8,567 0 0
ISHARES INC MSCI ITALY ETF 46434G830 453 13,795 SH   SOLE   13,795 0 0
ISHARES INC MSCI HONG KG ETF 464286871 1,595 68,801 SH   SOLE   68,801 0 0
ISHARES INC MSCI GERMANY ETF 464286806 1,458 44,471 SH   SOLE   44,471 0 0
ISHARES INC MSCI FRANCE ETF 464286707 1,165 29,967 SH   SOLE   29,967 0 0
ISHARES INC MSCI CDA ETF 464286509 909 23,656 SH   SOLE   23,656 0 0
ISHARES INC MSCI BRAZIL ETF 464286400 705 25,116 SH   SOLE   25,116 0 0
ISHARES INC MSCI AUST ETF 464286103 1,597 64,330 SH   SOLE   64,330 0 0
ISHARES INC CORE MSCI EMKT 46434G103 431 7,205 SH   SOLE   7,205 0 0
ISHARES TR TIPS BD ETF 464287176 2,922 22,615 SH   SOLE   22,615 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 1,506 6,771 SH   SOLE   6,771 0 0
ISHARES TR RUS 1000 VAL ETF 464287598 4,427 26,363 SH   SOLE   26,363 0 0
ISHARES TR NEW ZEALAND ETF 464289123 3,347 56,843 SH   SOLE   56,843 0 0
ISHARES TR MSCI INDIA ETF 46429B598 5,512 120,244 SH   SOLE   120,244 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 793 16,225 SH   SOLE   16,225 0 0
ISHARES TR MSCI EAFE ETF 464287465 666 8,469 SH   SOLE   8,469 0 0
ISHARES TR CORE S&P500 ETF 464287200 1,884 3,950 SH   SOLE   3,950 0 0
ISHARES TR CORE S&P SCP ETF 464287804 363 3,168 SH   SOLE   3,168 0 0
ISHARES TR CORE MSCI EAFE 46432F842 1,710 22,915 SH   SOLE   22,915 0 0
ISHARES TR CHINA LG-CAP ETF 464287184 6,428 175,712 SH   SOLE   175,712 0 0
ISHARES TR BARCLAYS 7 10 YR 464287440 3,498 30,421 SH   SOLE   30,421 0 0
ISHARES TR 20 YR TR BD ETF 464287432 1,021 6,887 SH   SOLE   6,887 0 0
ISHARES TR 1 3 YR TREAS BD 464287457 214 2,507 SH   SOLE   2,507 0 0
ISHARES TR CORE S&P MCP ETF 464287507 526 1,857 SH   SOLE   1,857 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870 497 7,899 SH   SOLE   7,899 0 0
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 9,391 66,656 SH   SOLE   66,656 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 13,905 79,976 SH   SOLE   79,976 0 0
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886 3,314 46,302 SH   SOLE   46,302 0 0
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704 3,940 37,241 SH   SOLE   37,241 0 0
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100 2,322 25,621 SH   SOLE   25,621 0 0
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308 827 10,730 SH   SOLE   10,730 0 0
SELECT SECTOR SPDR TR RL EST SEL SEC 81369Y860 1,746 33,704 SH   SOLE   33,704 0 0
SELECT SECTOR SPDR TR FINANCIAL 81369Y605 9,345 239,298 SH   SOLE   239,298 0 0
SELECT SECTOR SPDR TR ENERGY 81369Y506 2,660 47,924 SH   SOLE   47,924 0 0
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852 8,676 111,685 SH   SOLE   111,685 0 0
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 9,498 46,460 SH   SOLE   46,460 0 0
SPDR INDEX SHS FDS S&P EMKTSC ETF 78463X756 2,160 36,421 SH   SOLE   36,421 0 0
SPDR SER TR PORTFOLIO SH TSR 78468R101 2,255 74,096 SH   SOLE   74,096 0 0
SPDR SER TR PRTFLO S&P500 VL 78464A508 1,707 40,647 SH   SOLE   40,647 0 0
SPDR SER TR PORTFLI TIPS ETF 78464A656 4,353 138,181 SH   SOLE   138,181 0 0
SPDR SER TR BLOOMBERG 1-3 MO 78468R663 17,347 189,735 SH   SOLE   189,735 0 0
SSGA ACTIVE ETF TR BLACKSTONE SENR 78467V608 1,090 23,877 SH   SOLE   23,877 0 0
VANECK ETF TRUST VANECK RUSSIA ET 92189F403 2,050 76,895 SH   SOLE   76,895 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 871 10,282 SH   SOLE   10,282 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 3,906 33,674 SH   SOLE   33,674 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 1,166 4,830 SH   SOLE   4,830 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 472 9,545 SH   SOLE   9,545 0 0
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 205 3,000 SH   SOLE   3,000 0 0
VANGUARD INTL EQUITY INDEX F FTSE PACIFIC ETF 922042866 531 6,813 SH   SOLE   6,813 0 0
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676 806 14,949 SH   SOLE   14,949 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 901 9,716 SH   SOLE   9,716 0 0