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
Estimated average burden
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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
APPLE INC COM 037833100 BBG001S5N8V8 532,674 2,767 SH   SOLE   2,767 0 0
ARES CAPITAL CORP COM 04010L103 BBG001SL96Z9 337,105 16,830 SH   SOLE   16,830 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 BBG001S9GN63 12,191,802 29,771 SH   SOLE   29,771 0 0
ISHARES INC CORE MSCI EMKT 46434G103 BBG003HC3DG9 6,783,111 134,107 SH   SOLE   134,107 0 0
ISHARES TR CORE MSCI EAFE 46432F842 BBG003H6TRS0 10,930,759 155,377 SH   SOLE   155,377 0 0
ISHARES TR CORE S&P MCP ETF 464287507 BBG001SFC7V0 512,395 1,849 SH   SOLE   1,849 0 0
ISHARES TR CORE S&P500 ETF 464287200 BBG001SFB7R6 20,839,008 43,630 SH   SOLE   43,630 0 0
ISHARES TR CORE US AGGBD ET 464287226 BBG001SM1QT8 46,982,858 473,379 SH   SOLE   473,379 0 0
ISHARES TR IBOXX INV CP ETF 464287242 BBG001S60QR6 649,199 5,867 SH   SOLE   5,867 0 0
ISHARES TR MSCI USA MIN VOL 46429B697 BBG0025X2G81 17,170,841 220,054 SH   SOLE   220,054 0 0
ISHARES TR MSCI USA MMENTM 46432F396 BBG004FPV022 628,487 4,006 SH   SOLE   4,006 0 0
ISHARES TR S&P 500 GRWT ETF 464287309 BBG001S561Q8 14,479,889 192,808 SH   SOLE   192,808 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 BBG001S72SM3 225,971 475 SH   SOLE   475 0 0
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 BBG001ST39Q2 289,056 3,753 SH   SOLE   3,753 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 BBG001SMD2X3 9,951,830 112,628 SH   SOLE   112,628 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 BBG001T62KZ7 24,665,728 318,802 SH   SOLE   318,802 0 0
VANGUARD WORLD FDS CONSUM DIS ETF 92204A108 BBG001SHVTQ3 10,863,339 35,670 SH   SOLE   35,670 0 0
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504 BBG001SHVR32 9,852,379 39,299 SH   SOLE   39,299 0 0