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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
ABBVIE INC COM 00287Y109   314,772 2,336 SH   SOLE 0 0 0 2,336
APPLE INC COM 037833100   675,506 3,483 SH   SOLE 0 0 0 3,483
DBX ETF TR XTRACK USD HIGH 233051432   880,784 25,530 SH   SOLE 0 0 0 25,530
GOLDMAN SACHS ETF TR ACCES TREASURY 381430529   18,123,019 181,103 SH   SOLE 0 0 0 181,103
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354   225,248 3,586 SH   SOLE 0 0 0 3,586
INVESCO EXCH TRADED FD TR II GBL SRT TRM HY 46138E669   10,961,314 565,599 SH   SOLE 0 0 0 565,599
ISHARES INC MSCI CHILE ETF 464286640   7,491,238 256,725 SH   SOLE 0 0 0 256,725
ISHARES INC MSCI BRAZIL ETF 464286400   6,864,212 211,662 SH   SOLE 0 0 0 211,662
ISHARES INC MSCI MLY ETF NEW 46434G814   6,161,731 307,933 SH   SOLE 0 0 0 307,933
ISHARES INC JP MORGAN EM ETF 464286517   211,236 5,706 SH   SOLE 0 0 0 5,706
ISHARES INC MSCI SPAIN ETF 464286764   7,528,086 260,487 SH   SOLE 0 0 0 260,487
ISHARES TR CORE S&P TTL STK 464287150   1,689,192 17,265 SH   SOLE 0 0 0 17,265
ISHARES TR CORE S&P SCP ETF 464287804   13,772,800 138,212 SH   SOLE 0 0 0 138,212
ISHARES TR 1 3 YR TREAS BD 464287457   521,226 6,429 SH   SOLE 0 0 0 6,429
ISHARES TR NATIONAL MUN ETF 464288414   266,877 2,500 SH   SOLE 0 0 0 2,500
ISHARES TR S&P 500 GRWT ETF 464287309   1,639,459 23,261 SH   SOLE 0 0 0 23,261
ISHARES TR CORE S&P MCP ETF 464287507   14,613,291 55,887 SH   SOLE 0 0 0 55,887
ISHARES TR S&P 500 VAL ETF 464287408   1,054,820 6,544 SH   SOLE 0 0 0 6,544
JPMORGAN CHASE & CO COM 46625H100   828,509 5,697 SH   SOLE 0 0 0 5,697
MERCK & CO INC COM 58933Y105   234,909 2,036 SH   SOLE 0 0 0 2,036
MICROSOFT CORP COM 594918104   910,428 2,673 SH   SOLE 0 0 0 2,673
NVENT ELECTRIC PLC SHS G6700G107   216,601 4,192 SH   SOLE 0 0 0 4,192
PAVMED INC COM 70387R106   4,690 11,500 SH   SOLE 0 0 0 11,500
PENTAIR PLC SHS G7S00T104   270,860 4,193 SH   SOLE 0 0 0 4,193
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   1,840,430 51,625 SH   SOLE 0 0 0 51,625
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   1,031,238 41,869 SH   SOLE 0 0 0 41,869
SELECT SECTOR SPDR TR ENERGY 81369Y506   7,601,958 93,655 SH   SOLE 0 0 0 93,655
SPDR SER TR PRTFLO S&P500 GW 78464A409   24,239,130 397,298 SH   SOLE 0 0 0 397,298
SPDR SER TR PORTFOLIO SHORT 78464A474   12,677,259 430,613 SH   SOLE 0 0 0 430,613
SPDR SER TR PRTFLO S&P500 VL 78464A508   40,149,074 929,377 SH   SOLE 0 0 0 929,377
VANECK ETF TRUST GOLD MINERS ETF 92189F106   6,682,680 221,942 SH   SOLE 0 0 0 221,942
VANECK ETF TRUST JP MRGAN EM LOC 92189H300   8,016,263 313,625 SH   SOLE 0 0 0 313,625
VANGUARD ADMIRAL FDS INC SMLLCP 600 IDX 921932828   375,463 4,086 SH   SOLE 0 0 0 4,086
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   206,212 2,837 SH   SOLE 0 0 0 2,837
VANGUARD INDEX FDS TOTAL STK MKT 922908769   530,311 2,407 SH   SOLE 0 0 0 2,407
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   14,575,362 358,293 SH   SOLE 0 0 0 358,293
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706   1,472,425 25,101 SH   SOLE 0 0 0 25,101
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771   13,893,655 302,102 SH   SOLE 0 0 0 302,102
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   10,958,710 189,827 SH   SOLE 0 0 0 189,827
VANGUARD STAR FDS VG TL INTL STK F 921909768   372,600 6,644 SH   SOLE 0 0 0 6,644
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   33,527,130 726,010 SH   SOLE 0 0 0 726,010
WENDYS CO COM 95058W100   228,779 10,519 SH   SOLE 0 0 0 10,519