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 473,667 2,766 SH   SOLE   2,766 0 0
ARES CAPITAL CORP COM 04010L103 BBG001SL96Z9 327,680 16,830 SH   SOLE   16,830 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 BBG001S9GN63 10,752,000 30,010 SH   SOLE   30,010 0 0
ISHARES INC CORE MSCI EMKT 46434G103 BBG003HC3DG9 6,928,513 145,587 SH   SOLE   145,587 0 0
ISHARES TR CORE MSCI EAFE 46432F842 BBG003H6TRS0 10,032,217 155,900 SH   SOLE   155,900 0 0
ISHARES TR CORE S&P MCP ETF 464287507 BBG001SFC7V0 459,004 1,840 SH   SOLE   1,840 0 0
ISHARES TR CORE S&P500 ETF 464287200 BBG001SFB7R6 19,707,420 45,892 SH   SOLE   45,892 0 0
ISHARES TR CORE US AGGBD ET 464287226 BBG001SM1QT8 44,845,412 476,875 SH   SOLE   476,875 0 0
ISHARES TR IBOXX INV CP ETF 464287242 BBG001S60QR6 596,879 5,850 SH   SOLE   5,850 0 0
ISHARES TR MSCI USA MIN VOL 46429B697 BBG0025X2G81 15,997,670 221,023 SH   SOLE   221,023 0 0
ISHARES TR MSCI USA MMENTM 46432F396 BBG004FPV022 559,625 4,005 SH   SOLE   4,005 0 0
ISHARES TR S&P 500 GRWT ETF 464287309 BBG001S561Q8 13,359,560 195,258 SH   SOLE   195,258 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 BBG001S72SM3 203,232 475 SH   SOLE   475 0 0
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 BBG001ST39Q2 282,113 3,753 SH   SOLE   3,753 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 BBG001SMD2X3 8,945,905 118,238 SH   SOLE   118,238 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 BBG001T62KZ7 24,107,986 320,798 SH   SOLE   320,798 0 0
VANGUARD WORLD FDS CONSUM DIS ETF 92204A108 BBG001SHVTQ3 9,687,658 35,964 SH   SOLE   35,964 0 0
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504 BBG001SHVR32 9,244,479 39,321 SH   SOLE   39,321 0 0