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
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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
APPLE INC COM 037833100 261 2,137 SH   SOLE   0 0 2,137
ARES CAPITAL CORP COM 04010L103 315 16,830 SH   SOLE   0 0 16,830
INVESCO QQQ TR UNIT SER 1 46090E103 9,827 30,794 SH   SOLE   0 0 30,794
ISHARES INC CORE MSCI EMKT 46434G103 6,757 104,992 SH   SOLE   0 0 104,992
ISHARES TR CORE MSCI EAFE 46432F842 9,091 126,175 SH   SOLE   0 0 126,175
ISHARES TR CORE S&P MCP ETF 464287507 419 1,609 SH   SOLE   0 0 1,609
ISHARES TR CORE S&P500 ETF 464287200 1,680 4,223 SH   SOLE   0 0 4,223
ISHARES TR CORE US AGGBD ET 464287226 37,314 327,804 SH   SOLE   0 0 327,804
ISHARES TR IBOXX INV CP ETF 464287242 534 4,109 SH   SOLE   0 0 4,109
ISHARES TR MSCI USA MIN VOL 46429B697 13,259 191,638 SH   SOLE   0 0 191,638
ISHARES TR MSCI USA MMENTM 46432F396 13,896 86,386 SH   SOLE   0 0 86,386
ISHARES TR S&P 500 GRWT ETF 464287309 11,288 173,369 SH   SOLE   0 0 173,369
PIMCO DYNAMIC CR INCOME FD COM SHS 72202D106 207 9,313 SH   SOLE   0 0 9,313
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 8,966 97,607 SH   SOLE   0 0 97,607
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 17,822 216,019 SH   SOLE   0 0 216,019
VANGUARD WORLD FDS CONSUM DIS ETF 92204A108 9,253 31,327 SH   SOLE   0 0 31,327
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504 7,889 34,485 SH   SOLE   0 0 34,485