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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
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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
FIDELITY COVINGTON TRUST MSCI FINLS IDX 316092501   5,995,956 128,779 SH   SOLE   128,779 0 0
FIDELITY COVINGTON TRUST MSCI HLTH CARE I 316092600   7,081,476 116,895 SH   SOLE   116,895 0 0
ISHARES TR 10-20 YR TRS ETF 464288653   10,067,515 102,239 SH   SOLE   102,239 0 0
ISHARES TR BROAD USD HIGH 46435U853   6,245,398 179,931 SH   SOLE   179,931 0 0
ISHARES TR CORE MSCI TOTAL 46432F834   3,930,951 65,527 SH   SOLE   65,527 0 0
ISHARES TR CORE S&P SCP ETF 464287804   5,873,518 62,266 SH   SOLE   62,266 0 0
ISHARES TR FLTG RATE NT ETF 46429B655   7,983,919 156,886 SH   SOLE   156,886 0 0
ISHARES TR IBOXX INV CP ETF 464287242   19,856,041 194,629 SH   SOLE   194,629 0 0
ISHARES TR S&P 500 GRWT ETF 464287309   29,547,330 431,852 SH   SOLE   431,852 0 0
ISHARES TR S&P 500 VAL ETF 464287408   28,792,372 187,158 SH   SOLE   187,158 0 0
ISHARES TR USD INV GRDE ETF 464288620   4,940,565 102,779 SH   SOLE   102,779 0 0
ISHARES TR CORE US AGGBD ET 464287226   216,668 2,304 SH   SOLE   2,304 0 0
ISHARES TR MSCI ACWI ETF 464288257   583,963 6,322 SH   SOLE   6,322 0 0
ISHARES TR MORNINGSTR US EQ 464287127   2,047,270 34,761 SH   SOLE   34,761 0 0
ISHARES TR ISHS 1-5YR INVS 464288646   982,498 19,717 SH   SOLE   19,717 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   7,919,967 48,313 SH   SOLE   48,313 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   5,893,601 77,896 SH   SOLE   77,896 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736   213,491 784 SH   SOLE   784 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   200,631 4,589 SH   SOLE   4,589 0 0
VANGUARD WORLD FDS CONSUM STP ETF 92204A207   267,246 1,463 SH   SOLE   1,463 0 0