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
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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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
SELECT SECTOR SPDR TR ENERGY 81369Y506 6,051 116,172 SH   SOLE 0 0 0 116,172
ABBOTT LABS COM 002824100 347 2,938 SH   SOLE 0 0 0 2,938
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 30,770 609,426 SH   SOLE 0 0 0 609,426
ISHARES INC MSCI MLY ETF NEW 46434G814 5,284 208,541 SH   SOLE 0 0 0 208,541
APPLE INC COM 037833100 693 4,898 SH   SOLE 0 0 0 4,898
ISHARES INC MSCI TURKEY ETF 464286715 5,390 253,517 SH   SOLE 0 0 0 253,517
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771 43,417 814,722 SH   SOLE 0 0 0 814,722
JPMORGAN CHASE & CO COM 46625H100 984 6,011 SH   SOLE 0 0 0 6,011
ISHARES TR CORE S&P SCP ETF 464287804 12,425 113,788 SH   SOLE 0 0 0 113,788
VANGUARD STAR FDS VG TL INTL STK F 921909768 394 6,229 SH   SOLE 0 0 0 6,229
ISHARES INC MSCI SPAIN ETF 464286764 5,400 200,205 SH   SOLE 0 0 0 200,205
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 460 11,886 SH   SOLE 0 0 0 11,886
ISHARES TR CORE S&P TTL STK 464287150 1,957 19,889 SH   SOLE 0 0 0 19,889
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 231 2,702 SH   SOLE 0 0 0 2,702
DBX ETF TR XTRACK USD HIGH 233051432 8,856 220,961 SH   SOLE 0 0 0 220,961
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354 308 5,061 SH   SOLE 0 0 0 5,061
VANGUARD INDEX FDS TOTAL STK MKT 922908769 518 2,332 SH   SOLE 0 0 0 2,332
PENTAIR PLC SHS G7S00T104 320 4,403 SH   SOLE 0 0 0 4,403
NVIDIA CORPORATION COM 67066G104 716 3,456 SH   SOLE 0 0 0 3,456
ISHARES TR S&P 500 GRWT ETF 464287309 272 3,680 SH   SOLE 0 0 0 3,680
ISHARES TR CORE S&P MCP ETF 464287507 12,294 46,733 SH   SOLE 0 0 0 46,733
ISHARES INC MSCI CHILE ETF 464286640 5,177 199,133 SH   SOLE 0 0 0 199,133
ISHARES TR S&P 500 VAL ETF 464287408 464 3,192 SH   SOLE 0 0 0 3,192
SPDR SER TR PRTFLO S&P500 GW 78464A409 18,600 290,527 SH   SOLE 0 0 0 290,527
INVESCO EXCH TRADED FD TR II GBL SRT TRM HY 46138E669 15,122 695,906 SH   SOLE 0 0 0 695,906
SPDR SER TR PORTFOLIO SHORT 78464A474 640 20,479 SH   SOLE 0 0 0 20,479
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 13,717 274,290 SH   SOLE 0 0 0 274,290
VANECK ETF TRUST VANECK RUSSIA ET 92189F403 6,021 198,584 SH   SOLE 0 0 0 198,584
VANECK ETF TRUST JP MRGAN EM LOC 92189H300 6,971 232,605 SH   SOLE 0 0 0 232,605
SPDR SER TR PRTFLO S&P500 VL 78464A508 32,200 825,645 SH   SOLE 0 0 0 825,645