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
ABBVIE INC COM 00287Y109   313,545 1,940 SH   SOLE 0 0 0 1,940
APPLE INC COM 037833100   469,114 3,611 SH   SOLE 0 0 0 3,611
CHEVRON CORP NEW COM 166764100   225,069 1,254 SH   SOLE 0 0 0 1,254
DBX ETF TR XTRACK USD HIGH 233051432   8,667,556 257,121 SH   SOLE 0 0 0 257,121
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354   229,879 3,597 SH   SOLE 0 0 0 3,597
INVESCO EXCH TRADED FD TR II GBL SRT TRM HY 46138E669   15,315,364 797,260 SH   SOLE 0 0 0 797,260
ISHARES INC MSCI BRAZIL ETF 464286400   5,610,974 200,607 SH   SOLE 0 0 0 200,607
ISHARES INC MSCI CHILE ETF 464286640   7,048,509 260,189 SH   SOLE 0 0 0 260,189
ISHARES INC JP MORGAN EM ETF 464286517   204,511 5,892 SH   SOLE 0 0 0 5,892
ISHARES INC MSCI SPAIN ETF 464286764   6,443,308 266,473 SH   SOLE 0 0 0 266,473
ISHARES INC MSCI MLY ETF NEW 46434G814   6,438,293 281,887 SH   SOLE 0 0 0 281,887
ISHARES TR NATIONAL MUN ETF 464288414   326,584 3,095 SH   SOLE 0 0 0 3,095
ISHARES TR CORE S&P SCP ETF 464287804   12,878,024 136,074 SH   SOLE 0 0 0 136,074
ISHARES TR 1 3 YR TREAS BD 464287457   528,701 6,513 SH   SOLE 0 0 0 6,513
ISHARES TR CORE S&P TTL STK 464287150   1,626,052 19,175 SH   SOLE 0 0 0 19,175
ISHARES TR CORE S&P MCP ETF 464287507   13,413,778 55,454 SH   SOLE 0 0 0 55,454
ISHARES TR S&P 500 GRWT ETF 464287309   1,402,362 23,972 SH   SOLE 0 0 0 23,972
ISHARES TR S&P 500 VAL ETF 464287408   1,091,652 7,525 SH   SOLE 0 0 0 7,525
JPMORGAN CHASE & CO COM 46625H100   762,521 5,686 SH   SOLE 0 0 0 5,686
MICROSOFT CORP COM 594918104   285,976 1,192 SH   SOLE 0 0 0 1,192
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   1,780,021 55,263 SH   SOLE 0 0 0 55,263
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   1,010,993 42,712 SH   SOLE 0 0 0 42,712
SELECT SECTOR SPDR TR ENERGY 81369Y506   8,194,674 93,686 SH   SOLE 0 0 0 93,686
SPDR SER TR PRTFLO S&P500 GW 78464A409   19,926,827 393,267 SH   SOLE 0 0 0 393,267
SPDR SER TR PORTFOLIO SHORT 78464A474   12,351,719 420,412 SH   SOLE 0 0 0 420,412
SPDR SER TR PRTFLO S&P500 VL 78464A508   36,129,906 929,028 SH   SOLE 0 0 0 929,028
VANECK ETF TRUST GOLD MINERS ETF 92189F106   5,902,130 205,936 SH   SOLE 0 0 0 205,936
VANECK ETF TRUST JP MRGAN EM LOC 92189H300   7,339,729 302,919 SH   SOLE 0 0 0 302,919
VANGUARD ADMIRAL FDS INC SMLLCP 600 IDX 921932828   343,327 1,981 SH   SOLE 0 0 0 1,981
VANGUARD INDEX FDS TOTAL STK MKT 922908769   459,465 2,403 SH   SOLE 0 0 0 2,403
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   13,600,187 348,902 SH   SOLE 0 0 0 348,902
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706   1,995,045 34,115 SH   SOLE 0 0 0 34,115
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   10,112,021 174,888 SH   SOLE 0 0 0 174,888
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771   17,563,589 385,843 SH   SOLE 0 0 0 385,843
VANGUARD STAR FDS VG TL INTL STK F 921909768   343,632 6,644 SH   SOLE 0 0 0 6,644
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   30,272,640 721,292 SH   SOLE 0 0 0 721,292