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 351 2,538 SH   SOLE   0 0 351
ARES CAPITAL CORP COM 04010L103 284 16,830 SH   SOLE   0 0 284
INVESCO QQQ TR UNIT SER 1 46090E103 9,593 35,894 SH   SOLE   0 0 9,593
ISHARES INC CORE MSCI EMKT 46434G103 5,976 139,034 SH   SOLE   0 0 5,976
ISHARES TR CORE MSCI EAFE 46432F842 8,360 158,730 SH   SOLE   0 0 8,360
ISHARES TR CORE S&P MCP ETF 464287507 393 1,794 SH   SOLE   0 0 393
ISHARES TR CORE S&P500 ETF 464287200 1,599 4,457 SH   SOLE   0 0 1,599
ISHARES TR CORE US AGGBD ET 464287226 43,806 454,697 SH   SOLE   0 0 43,806
ISHARES TR IBOXX INV CP ETF 464287242 540 5,267 SH   SOLE   0 0 540
ISHARES TR MSCI USA MIN VOL 46429B697 14,972 226,500 SH   SOLE   0 0 14,972
ISHARES TR MSCI USA MMENTM 46432F396 13,782 105,069 SH   SOLE   0 0 13,782
ISHARES TR S&P 500 GRWT ETF 464287309 11,713 202,476 SH   SOLE   0 0 11,713
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 8,987 112,097 SH   SOLE   0 0 8,987
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 21,629 291,177 SH   SOLE   0 0 21,629
VANGUARD WORLD FDS CONSUM DIS ETF 92204A108 8,621 36,674 SH   SOLE   0 0 8,621
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504 9,182 41,045 SH   SOLE   0 0 9,182