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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
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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ABBVIE INC COM 00287Y109   349,302 2,343 SH   SOLE 0 0 0 2,343
APPLE INC COM 037833100   543,677 3,175 SH   SOLE 0 0 0 3,175
CHEVRON CORP NEW COM 166764100   214,805 1,274 SH   SOLE 0 0 0 1,274
DBX ETF TR XTRACK USD HIGH 233051432   549,191 16,200 SH   SOLE 0 0 0 16,200
GOLDMAN SACHS ETF TR ACCES TREASURY 381430529   18,249,133 182,291 SH   SOLE 0 0 0 182,291
INVESCO EXCH TRADED FD TR II GLOBAL EX US HGH 46138E669   10,789,142 571,156 SH   SOLE 0 0 0 571,156
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354   210,278 3,577 SH   SOLE 0 0 0 3,577
ISHARES INC MSCI BRAZIL ETF 464286400   6,569,036 214,184 SH   SOLE 0 0 0 214,184
ISHARES INC MSCI CHILE ETF 464286640   6,813,698 260,164 SH   SOLE 0 0 0 260,164
ISHARES INC MSCI SPAIN ETF 464286764   7,226,213 262,771 SH   SOLE 0 0 0 262,771
ISHARES INC MSCI MLY ETF NEW 46434G814   6,442,870 312,913 SH   SOLE 0 0 0 312,913
ISHARES TR NATIONAL MUN ETF 464288414   256,705 2,503 SH   SOLE 0 0 0 2,503
ISHARES TR CORE S&P TTL STK 464287150   1,495,210 15,874 SH   SOLE 0 0 0 15,874
ISHARES TR CORE S&P SCP ETF 464287804   13,323,158 141,240 SH   SOLE 0 0 0 141,240
ISHARES TR 1 3 YR TREAS BD 464287457   1,555,074 19,206 SH   SOLE 0 0 0 19,206
ISHARES TR S&P 500 VAL ETF 464287408   954,263 6,203 SH   SOLE 0 0 0 6,203
ISHARES TR S&P 500 GRWT ETF 464287309   1,554,115 22,714 SH   SOLE 0 0 0 22,714
ISHARES TR CORE S&P MCP ETF 464287507   14,170,441 56,830 SH   SOLE 0 0 0 56,830
JPMORGAN CHASE & CO COM 46625H100   819,832 5,653 SH   SOLE 0 0 0 5,653
MERCK & CO INC COM 58933Y105   210,960 2,049 SH   SOLE 0 0 0 2,049
MICROSOFT CORP COM 594918104   808,367 2,560 SH   SOLE 0 0 0 2,560
NVENT ELECTRIC PLC SHS G6700G107   222,134 4,192 SH   SOLE 0 0 0 4,192
PAVMED INC COM 70387R106   3,683 12,500 SH   SOLE 0 0 0 12,500
PENTAIR PLC SHS G7S00T104   271,489 4,193 SH   SOLE 0 0 0 4,193
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   987,554 41,251 SH   SOLE 0 0 0 41,251
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   1,713,383 50,453 SH   SOLE 0 0 0 50,453
SELECT SECTOR SPDR TR ENERGY 81369Y506   8,455,016 93,539 SH   SOLE 0 0 0 93,539
SPDR SER TR PRTFLO S&P500 GW 78464A409   23,698,013 399,764 SH   SOLE 0 0 0 399,764
SPDR SER TR PORTFOLIO SHORT 78464A474   12,729,724 434,165 SH   SOLE 0 0 0 434,165
SPDR SER TR PRTFLO S&P500 VL 78464A508   38,672,263 937,282 SH   SOLE 0 0 0 937,282
VANECK ETF TRUST GOLD MINERS ETF 92189F106   6,101,525 226,738 SH   SOLE 0 0 0 226,738
VANECK ETF TRUST JP MRGAN EM LOC 92189H300   7,349,158 307,883 SH   SOLE 0 0 0 307,883
VANGUARD ADMIRAL FDS INC SMLLCP 600 IDX 921932828   357,116 4,086 SH   SOLE 0 0 0 4,086
VANGUARD INDEX FDS LARGE CAP ETF 922908637   295,492 1,510 SH   SOLE 0 0 0 1,510
VANGUARD INDEX FDS TOTAL STK MKT 922908769   510,325 2,403 SH   SOLE 0 0 0 2,403
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   14,525,616 370,457 SH   SOLE 0 0 0 370,457
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706   1,405,090 24,586 SH   SOLE 0 0 0 24,586
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771   13,274,286 303,204 SH   SOLE 0 0 0 303,204
VANGUARD SCOTTSDALE FDS VNG RUS1000GRW 92206C680   213,464 3,119 SH   SOLE 0 0 0 3,119
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   11,044,424 191,743 SH   SOLE 0 0 0 191,743
VANGUARD STAR FDS VG TL INTL STK F 921909768   355,591 6,644 SH   SOLE 0 0 0 6,644
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   32,103,468 734,297 SH   SOLE 0 0 0 734,297
WENDYS CO COM 95058W100   217,274 10,645 SH   SOLE 0 0 0 10,645