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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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 347 2,538 SH   SOLE   0 0 2,538
ARES CAPITAL CORP COM 04010L103 302 16,830 SH   SOLE   0 0 16,830
INVESCO QQQ TR UNIT SER 1 46090E103 9,827 35,062 SH   SOLE   0 0 35,062
ISHARES INC CORE MSCI EMKT 46434G103 6,369 129,823 SH   SOLE   0 0 129,823
ISHARES TR CORE MSCI EAFE 46432F842 8,845 150,291 SH   SOLE   0 0 150,291
ISHARES TR CORE S&P MCP ETF 464287507 401 1,772 SH   SOLE   0 0 1,772
ISHARES TR CORE S&P500 ETF 464287200 1,684 4,441 SH   SOLE   0 0 4,441
ISHARES TR CORE US AGGBD ET 464287226 43,288 425,729 SH   SOLE   0 0 425,729
ISHARES TR IBOXX INV CP ETF 464287242 561 5,097 SH   SOLE   0 0 5,097
ISHARES TR MSCI USA MIN VOL 46429B697 15,660 223,048 SH   SOLE   0 0 223,048
ISHARES TR MSCI USA MMENTM 46432F396 13,730 100,684 SH   SOLE   0 0 100,684
ISHARES TR S&P 500 GRWT ETF 464287309 11,914 197,409 SH   SOLE   0 0 197,409
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 10,006 109,820 SH   SOLE   0 0 109,820
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 20,831 273,154 SH   SOLE   0 0 273,154
VANGUARD WORLD FDS CONSUM DIS ETF 92204A108 8,140 35,786 SH   SOLE   0 0 35,786
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504 9,509 40,376 SH   SOLE   0 0 40,376