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
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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 493,160 2,542 SH   SOLE   2,542 0 0
ARES CAPITAL CORP COM 04010L103 BBG001SL96Z9 316,236 16,830 SH   SOLE   16,830 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 BBG001S9GN63 11,003,417 29,785 SH   SOLE   29,785 0 0
ISHARES INC CORE MSCI EMKT 46434G103 BBG003HC3DG9 6,925,170 140,498 SH   SOLE   140,498 0 0
ISHARES TR CORE MSCI EAFE 46432F842 BBG003H6TRS0 10,315,862 152,827 SH   SOLE   152,827 0 0
ISHARES TR CORE S&P MCP ETF 464287507 BBG001SFC7V0 473,415 1,810 SH   SOLE   1,810 0 0
ISHARES TR CORE S&P500 ETF 464287200 BBG001SFB7R6 19,869,143 44,578 SH   SOLE   44,578 0 0
ISHARES TR CORE US AGGBD ET 464287226 BBG001SM1QT8 40,595,609 414,452 SH   SOLE   414,452 0 0
ISHARES TR IBOXX INV CP ETF 464287242 BBG001S60QR6 667,234 6,170 SH   SOLE   6,170 0 0
ISHARES TR MSCI USA MIN VOL 46429B697 BBG0025X2G81 16,045,220 215,864 SH   SOLE   215,864 0 0
ISHARES TR MSCI USA MMENTM 46432F396 BBG004FPV022 578,036 4,007 SH   SOLE   4,007 0 0
ISHARES TR S&P 500 GRWT ETF 464287309 BBG001S561Q8 13,565,434 192,472 SH   SOLE   192,472 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 BBG001S72SM3 210,744 475 SH   SOLE   475 0 0
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 BBG001ST39Q2 283,614 3,753 SH   SOLE   3,753 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 BBG001SMD2X3 9,325,232 111,599 SH   SOLE   111,599 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 BBG001T62KZ7 28,096,762 371,355 SH   SOLE   371,355 0 0
VANGUARD WORLD FDS CONSUM DIS ETF 92204A108 BBG001SHVTQ3 10,002,095 35,318 SH   SOLE   35,318 0 0
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504 BBG001SHVR32 9,417,853 38,468 SH   SOLE   38,468 0 0