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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
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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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
APPLE INC COM 037833100 BBG001S5N8V8 338,620 2,606 SH   SOLE   2,606 0 0
ARES CAPITAL CORP COM 04010L103 BBG001SL96Z9 310,850 16,830 SH   SOLE   16,830 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 BBG001S9GN63 9,732,985 36,551 SH   SOLE   36,551 0 0
ISHARES INC CORE MSCI EMKT 46434G103 BBG003HC3DG9 6,654,869 142,502 SH   SOLE   142,502 0 0
ISHARES TR CORE MSCI EAFE 46432F842 BBG003H6TRS0 9,979,174 161,894 SH   SOLE   161,894 0 0
ISHARES TR CORE S&P MCP ETF 464287507 BBG001SFC7V0 451,278 1,865 SH   SOLE   1,865 0 0
ISHARES TR CORE S&P500 ETF 464287200 BBG001SFB7R6 2,250,988 5,858 SH   SOLE   5,858 0 0
ISHARES TR CORE US AGGBD ET 464287226 BBG001SM1QT8 44,572,380 459,556 SH   SOLE   459,556 0 0
ISHARES TR IBOXX INV CP ETF 464287242 BBG001S60QR6 569,442 5,401 SH   SOLE   5,401 0 0
ISHARES TR MSCI USA MIN VOL 46429B697 BBG0025X2G81 16,509,068 228,974 SH   SOLE   228,974 0 0
ISHARES TR MSCI USA MMENTM 46432F396 BBG004FPV022 15,559,390 106,622 SH   SOLE   106,622 0 0
ISHARES TR S&P 500 GRWT ETF 464287309 BBG001S561Q8 12,033,594 205,702 SH   SOLE   205,702 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 BBG001SMD2X3 9,418,364 114,189 SH   SOLE   114,189 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 BBG001T62KZ7 27,653,009 367,775 SH   SOLE   367,775 0 0
VANGUARD WORLD FDS CONSUM DIS ETF 92204A108 BBG001SHVTQ3 8,188,462 37,386 SH   SOLE   37,386 0 0
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504 BBG001SHVR32 10,249,497 41,320 SH   SOLE   41,320 0 0