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
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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 405,864 2,366 SH   SOLE   2,366 0 0
ARES CAPITAL CORP COM 04010L103 BBG001SL96Z9 350,401 16,830 SH   SOLE   16,830 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 BBG001S9GN63 13,179,978 29,683 SH   SOLE   29,683 0 0
ISHARES INC CORE MSCI EMKT 46434G103 BBG003HC3DG9 7,108,549 137,762 SH   SOLE   137,762 0 0
ISHARES TR CORE MSCI EAFE 46432F842 BBG003H6TRS0 11,748,196 158,288 SH   SOLE   158,288 0 0
ISHARES TR CORE S&P MCP ETF 464287507 BBG001SFC7V0 594,220 9,783 SH   SOLE   9,783 0 0
ISHARES TR CORE S&P500 ETF 464287200 BBG001SFB7R6 23,319,482 44,356 SH   SOLE   44,356 0 0
ISHARES TR CORE US AGGBD ET 464287226 BBG001SM1QT8 47,996,383 490,059 SH   SOLE   490,059 0 0
ISHARES TR IBOXX INV CP ETF 464287242 BBG001S60QR6 693,778 6,369 SH   SOLE   6,369 0 0
ISHARES TR MSCI USA MIN VOL 46429B697 BBG0025X2G81 18,646,560 223,098 SH   SOLE   223,098 0 0
ISHARES TR MSCI USA MMENTM 46432F396 BBG004FPV022 715,660 3,819 SH   SOLE   3,819 0 0
ISHARES TR S&P 500 GRWT ETF 464287309 BBG001S561Q8 16,337,967 193,486 SH   SOLE   193,486 0 0
ISHARES TR SHORT TREAS BD 464288679 BBG001SSD803 6,969,436 63,049 SH   SOLE   63,049 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 BBG001S72SM3 219,909 420 SH   SOLE   420 0 0
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 BBG001ST39Q2 10,510,844 137,092 SH   SOLE   137,092 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 BBG001SMD2X3 10,009,734 115,746 SH   SOLE   115,746 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 BBG001T62KZ7 33,082,203 427,916 SH   SOLE   427,916 0 0
VANGUARD WORLD FD CONSUM DIS ETF 92204A108 BBG001SHVTQ3 11,449,125 36,034 SH   SOLE   36,034 0 0
VANGUARD WORLD FD HEALTH CAR ETF 92204A504 BBG001SHVR32 10,719,214 39,624 SH   SOLE   39,624 0 0