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
FIDELITY COVINGTON TRUST MSCI FINLS IDX 316092501   5,957,157 86,738 SH   SOLE   86,738 0 0
FIDELITY COVINGTON TRUST MSCI HLTH CARE I 316092600   6,451,942 98,729 SH   SOLE   98,729 0 0
ISHARES TR S&P 500 GRWT ETF 464287309   37,735,026 371,664 SH   SOLE   371,664 0 0
ISHARES TR ISHS 5-10YR INVT 464288638   9,599,606 186,364 SH   SOLE   186,364 0 0
ISHARES TR CORE MSCI TOTAL 46432F834   6,472,662 97,863 SH   SOLE   97,863 0 0
ISHARES TR CORE S&P SCP ETF 464287804   11,115,364 96,471 SH   SOLE   96,471 0 0
ISHARES TR IBOXX INV CP ETF 464287242   24,042,428 225,032 SH   SOLE   225,032 0 0
ISHARES TR S&P 500 VAL ETF 464287408   36,301,725 190,181 SH   SOLE   190,181 0 0
ISHARES TR 10-20 YR TRS ETF 464288653   11,827,798 118,825 SH   SOLE   118,825 0 0
ISHARES TR BROAD USD HIGH 46435U853   7,461,813 202,822 SH   SOLE   202,822 0 0
ISHARES TR USD INV GRDE ETF 464288620   4,840,630 96,273 SH   SOLE   96,273 0 0
ISHARES TR CORE US AGGBD ET 464287226   294,867 3,043 SH   SOLE   3,043 0 0
ISHARES TR MSCI ACWI ETF 464288257   879,840 7,488 SH   SOLE   7,488 0 0
ISHARES TR MORNINGSTR US EQ 464287127   2,855,168 35,141 SH   SOLE   35,141 0 0
ISHARES TR ISHS 1-5YR INVS 464288646   1,333,653 25,796 SH   SOLE   25,796 0 0
ISHARES TR MRGSTR MD CP GRW 464288307   237,060 3,119 SH   SOLE   3,119 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870   200,699 7,770 SH   SOLE   7,770 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   474,673 25,658 SH   SOLE   25,658 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   10,589,436 45,542 SH   SOLE   45,542 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   7,285,714 81,788 SH   SOLE   81,788 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   298,944 6,788 SH   SOLE   6,788 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   401,751 5,005 SH   SOLE   5,005 0 0
VANGUARD WORLD FD CONSUM STP ETF 92204A207   367,378 1,738 SH   SOLE   1,738 0 0