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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ABBOTT LABS COM 002824100 412 3,226 SH   SOLE 0 0 0 3,226
ABBVIE INC COM 00287Y109 264 1,853 SH   SOLE 0 0 0 1,853
APPLE INC COM 037833100 858 4,984 SH   SOLE 0 0 0 4,984
DBX ETF TR XTRACK USD HIGH 233051432 8,786 231,076 SH   SOLE 0 0 0 231,076
INVESCO EXCH TRADED FD TR II GBL SRT TRM HY 46138E669 15,570 738,249 SH   SOLE 0 0 0 738,249
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354 274 4,272 SH   SOLE 0 0 0 4,272
ISHARES INC MSCI CHILE ETF 464286640 6,236 236,838 SH   SOLE 0 0 0 236,838
ISHARES INC MSCI TURKEY ETF 464286715 6,134 301,734 SH   SOLE 0 0 0 301,734
ISHARES INC MSCI MLY ETF NEW 46434G814 6,293 250,128 SH   SOLE 0 0 0 250,128
ISHARES INC MSCI SPAIN ETF 464286764 6,340 232,313 SH   SOLE 0 0 0 232,313
ISHARES TR CORE S&P MCP ETF 464287507 13,466 50,354 SH   SOLE 0 0 0 50,354
ISHARES TR CORE S&P SCP ETF 464287804 13,276 124,434 SH   SOLE 0 0 0 124,434
ISHARES TR S&P 500 VAL ETF 464287408 490 3,163 SH   SOLE 0 0 0 3,163
ISHARES TR S&P 500 GRWT ETF 464287309 278 3,670 SH   SOLE 0 0 0 3,670
ISHARES TR CORE S&P TTL STK 464287150 2,032 20,169 SH   SOLE 0 0 0 20,169
JPMORGAN CHASE & CO COM 46625H100 966 6,194 SH   SOLE 0 0 0 6,194
MICROSOFT CORP COM 594918104 208 687 SH   SOLE 0 0 0 687
NVIDIA CORPORATION COM 67066G104 893 3,457 SH   SOLE 0 0 0 3,457
PENTAIR PLC SHS G7S00T104 265 4,403 SH   SOLE 0 0 0 4,403
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 491 12,908 SH   SOLE 0 0 0 12,908
SELECT SECTOR SPDR TR ENERGY 81369Y506 6,538 95,557 SH   SOLE 0 0 0 95,557
SPDR SER TR PORTFOLIO SHORT 78464A474 642 21,067 SH   SOLE 0 0 0 21,067
SPDR SER TR PRTFLO S&P500 GW 78464A409 20,529 312,177 SH   SOLE 0 0 0 312,177
SPDR SER TR PRTFLO S&P500 VL 78464A508 35,507 853,933 SH   SOLE 0 0 0 853,933
VANECK ETF TRUST JP MRGAN EM LOC 92189H300 7,511 259,253 SH   SOLE 0 0 0 259,253
VANECK ETF TRUST VANECK RUSSIA ET 92189F403 6,533 260,195 SH   SOLE 0 0 0 260,195
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 220 2,714 SH   SOLE 0 0 0 2,714
VANGUARD INDEX FDS TOTAL STK MKT 922908769 534 2,347 SH   SOLE 0 0 0 2,347
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 15,679 311,147 SH   SOLE 0 0 0 311,147
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771 43,322 848,294 SH   SOLE 0 0 0 848,294
VANGUARD STAR FDS VG TL INTL STK F 921909768 399 6,366 SH   SOLE 0 0 0 6,366
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 33,516 672,464 SH   SOLE 0 0 0 672,464