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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
OMB APPROVAL
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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 419,228 2,542 SH   SOLE   2,542 0 0
ARES CAPITAL CORP COM 04010L103 BBG001SL96Z9 307,568 16,830 SH   SOLE   16,830 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 BBG001S9GN63 11,995,945 37,378 SH   SOLE   37,378 0 0
ISHARES INC CORE MSCI EMKT 46434G103 BBG003HC3DG9 7,151,311 146,573 SH   SOLE   146,573 0 0
ISHARES TR CORE MSCI EAFE 46432F842 BBG003H6TRS0 11,031,181 165,013 SH   SOLE   165,013 0 0
ISHARES TR CORE S&P MCP ETF 464287507 BBG001SFC7V0 471,418 1,884 SH   SOLE   1,884 0 0
ISHARES TR CORE S&P500 ETF 464287200 BBG001SFB7R6 2,476,790 6,025 SH   SOLE   6,025 0 0
ISHARES TR CORE US AGGBD ET 464287226 BBG001SM1QT8 46,946,810 471,164 SH   SOLE   471,164 0 0
ISHARES TR IBOXX INV CP ETF 464287242 BBG001S60QR6 600,727 5,480 SH   SOLE   5,480 0 0
ISHARES TR MSCI USA MIN VOL 46429B697 BBG0025X2G81 16,932,530 232,781 SH   SOLE   232,781 0 0
ISHARES TR MSCI USA MMENTM 46432F396 BBG004FPV022 15,246,072 109,652 SH   SOLE   109,652 0 0
ISHARES TR S&P 500 GRWT ETF 464287309 BBG001S561Q8 13,493,520 211,199 SH   SOLE   211,199 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 BBG001SMD2X3 9,742,144 117,318 SH   SOLE   117,318 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 BBG001T62KZ7 28,497,056 373,829 SH   SOLE   373,829 0 0
VANGUARD WORLD FDS CONSUM DIS ETF 92204A108 BBG001SHVTQ3 9,704,530 38,426 SH   SOLE   38,426 0 0
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504 BBG001SHVR32 10,041,508 42,109 SH   SOLE   42,109 0 0