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 1,094 13,700 SH   SOLE   13,700 0 0
FRANKLIN TEMPLETON ETF TR FTSE GERMANY 35473P785 2,669 120,789 SH   SOLE   120,789 0 0
FRANKLIN TEMPLETON ETF TR FTSE TAIWAN 35473P686 2,936 68,082 SH   SOLE   68,082 0 0
FRANKLIN TEMPLETON ETF TR FTSE AUSTRALIA 35473P843 1,729 55,200 SH   SOLE   55,200 0 0
FRANKLIN TEMPLETON ETF TR FTSE BRAZIL 35473P835 2,375 100,894 SH   SOLE   100,894 0 0
FRANKLIN TEMPLETON ETF TR FTSE CANADA 35473P827 2,264 62,308 SH   SOLE   62,308 0 0
FRANKLIN TEMPLETON ETF TR FTSE HONG KONG 35473P777 1,509 64,394 SH   SOLE   64,394 0 0
FRANKLIN TEMPLETON ETF TR FTSE JAPAN ETF 35473P744 4,193 154,715 SH   SOLE   154,715 0 0
FRANKLIN TEMPLETON ETF TR FRANKLIN RUSIA 35473P728 0 69,765 SH   SOLE   69,765 0 0
FRANKLIN TEMPLETON ETF TR FTSE SOUTH KOREA 35473P710 1,649 65,070 SH   SOLE   65,070 0 0
FRANKLIN TEMPLETON ETF TR FRANKLN SWZLND 35473P694 5,423 160,500 SH   SOLE   160,500 0 0
INVESCO ACTIVLY MANGD ETC FD OPTIMUM YIELD 46090F100 953 54,045 SH   SOLE   54,045 0 0
ISHARES INC MSCI MEXICO ETF 464286822 3,602 65,527 SH   SOLE   65,527 0 0
ISHARES INC CORE MSCI EMKT 46434G103 480 8,638 SH   SOLE   8,638 0 0
ISHARES INC MSCI TAIWAN ETF 46434G772 2,564 41,724 SH   SOLE   41,724 0 0
ISHARES INC MSCI JPN ETF NEW 46434G822 3,596 58,371 SH   SOLE   58,371 0 0
ISHARES INC MSCI HONG KG ETF 464286871 1,553 68,801 SH   SOLE   68,801 0 0
ISHARES INC MSCI CDA ETF 464286509 951 23,656 SH   SOLE   23,656 0 0
ISHARES INC MSCI STH KOR ETF 464286772 2,182 30,627 SH   SOLE   30,627 0 0
ISHARES INC MSCI SWEDEN ETF 464286756 1,106 28,481 SH   SOLE   28,481 0 0
ISHARES INC MSCI SWITZERLAND 464286749 3,747 76,310 SH   SOLE   76,310 0 0
ISHARES INC MSCI FRANCE ETF 464286707 1,059 29,967 SH   SOLE   29,967 0 0
ISHARES INC MSCI BRAZIL ETF 464286400 950 25,116 SH   SOLE   25,116 0 0
ISHARES INC MSCI AUST ETF 464286103 1,700 64,330 SH   SOLE   64,330 0 0
ISHARES TR NEW ZEALAND ETF 464289123 3,127 56,843 SH   SOLE   56,843 0 0
ISHARES TR CORE MSCI EAFE 46432F842 1,923 27,659 SH   SOLE   27,659 0 0
ISHARES TR 0-5 YR TIPS ETF 46429B747 3,904 37,202 SH   SOLE   37,202 0 0
ISHARES TR MSCI INDIA ETF 46429B598 3,135 70,333 SH   SOLE   70,333 0 0
ISHARES TR FLTG RATE NT ETF 46429B655 778 15,406 SH   SOLE   15,406 0 0
ISHARES TR CORE S&P SCP ETF 464287804 375 3,472 SH   SOLE   3,472 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 733 16,225 SH   SOLE   16,225 0 0
ISHARES TR CHINA LG-CAP ETF 464287184 2,570 80,375 SH   SOLE   80,375 0 0
ISHARES TR CORE S&P500 ETF 464287200 1,791 3,948 SH   SOLE   3,948 0 0
ISHARES TR RUS 1000 VAL ETF 464287598 4,376 26,363 SH   SOLE   26,363 0 0
ISHARES TR BARCLAYS 7 10 YR 464287440 2,368 22,035 SH   SOLE   22,035 0 0
ISHARES TR MSCI EAFE ETF 464287465 623 8,469 SH   SOLE   8,469 0 0
ISHARES TR CORE S&P MCP ETF 464287507 540 2,011 SH   SOLE   2,011 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870 540 8,897 SH   SOLE   8,897 0 0
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 5,428 29,339 SH   SOLE   29,339 0 0
SELECT SECTOR SPDR TR RL EST SEL SEC 81369Y860 1,629 33,708 SH   SOLE   33,708 0 0
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852 4,983 72,446 SH   SOLE   72,446 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 9,700 61,034 SH   SOLE   61,034 0 0
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704 3,821 37,101 SH   SOLE   37,101 0 0
SELECT SECTOR SPDR TR FINANCIAL 81369Y605 9,483 247,473 SH   SOLE   247,473 0 0
SELECT SECTOR SPDR TR ENERGY 81369Y506 9,747 127,507 SH   SOLE   127,507 0 0
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886 2,307 30,980 SH   SOLE   30,980 0 0
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 8,125 59,311 SH   SOLE   59,311 0 0
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308 816 10,748 SH   SOLE   10,748 0 0
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100 1,975 22,405 SH   SOLE   22,405 0 0
SPDR INDEX SHS FDS S&P EMKTSC ETF 78463X756 2,064 36,421 SH   SOLE   36,421 0 0
SPDR SER TR BLOOMBERG 1-3 MO 78468R663 18,243 199,535 SH   SOLE   199,535 0 0
SPDR SER TR PORTFOLIO SH TSR 78468R101 2,264 76,357 SH   SOLE   76,357 0 0
SPDR SER TR PORTFLI TIPS ETF 78464A656 4,181 138,181 SH   SOLE   138,181 0 0
SPDR SER TR PRTFLO S&P500 VL 78464A508 1,699 40,704 SH   SOLE   40,704 0 0
SSGA ACTIVE ETF TR BLACKSTONE SENR 78467V608 1,074 23,877 SH   SOLE   23,877 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 942 11,844 SH   SOLE   11,844 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 1,414 13,046 SH   SOLE   13,046 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 1,167 5,126 SH   SOLE   5,126 0 0
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676 927 17,845 SH   SOLE   17,845 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 950 20,592 SH   SOLE   20,592 0 0
VANGUARD INTL EQUITY INDEX F FTSE PACIFIC ETF 922042866 592 8,000 SH   SOLE   8,000 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 996 11,575 SH   SOLE   11,575 0 0