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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   384,578 2,482 SH   SOLE 0 0 0 2,482
APPLE INC COM 037833100   670,079 3,480 SH   SOLE 0 0 0 3,480
CAMBRIA ETF TR GLOBAL VALUE ETF 132061409   383,174 17,993 SH   SOLE 0 0 0 17,993
DBX ETF TR XTRACK USD HIGH 233051432   556,770 15,662 SH   SOLE 0 0 0 15,662
GOLDMAN SACHS ETF TR ACCES TREASURY 381430529   18,186,334 182,337 SH   SOLE 0 0 0 182,337
INVESCO EXCH TRADED FD TR II GLOBAL EX US HGH 46138E669   10,431,226 534,113 SH   SOLE 0 0 0 534,113
ISHARES INC MSCI BRAZIL ETF 464286400   7,476,609 213,862 SH   SOLE 0 0 0 213,862
ISHARES INC MSCI CHILE ETF 464286640   7,424,667 263,193 SH   SOLE 0 0 0 263,193
ISHARES INC JP MORGAN EM ETF 464286517   413,430 11,259 SH   SOLE 0 0 0 11,259
ISHARES INC MSCI SPAIN ETF 464286764   7,947,121 259,540 SH   SOLE 0 0 0 259,540
ISHARES INC MSCI MLY ETF NEW 46434G814   6,499,155 305,843 SH   SOLE 0 0 0 305,843
ISHARES TR CORE S&P SCP ETF 464287804   15,584,022 143,963 SH   SOLE 0 0 0 143,963
ISHARES TR 1 3 YR TREAS BD 464287457   1,571,452 19,155 SH   SOLE 0 0 0 19,155
ISHARES TR NATIONAL MUN ETF 464288414   376,986 3,477 SH   SOLE 0 0 0 3,477
ISHARES TR S&P 500 VAL ETF 464287408   1,148,504 6,605 SH   SOLE 0 0 0 6,605
ISHARES TR CORE S&P MCP ETF 464287507   15,930,806 57,481 SH   SOLE 0 0 0 57,481
ISHARES TR S&P 500 GRWT ETF 464287309   1,749,444 23,295 SH   SOLE 0 0 0 23,295
ISHARES TR CORE S&P TTL STK 464287150   1,645,768 15,640 SH   SOLE 0 0 0 15,640
JPMORGAN CHASE & CO COM 46625H100   945,033 5,556 SH   SOLE 0 0 0 5,556
MERCK & CO INC COM 58933Y105   224,939 2,063 SH   SOLE 0 0 0 2,063
MICROSOFT CORP COM 594918104   934,733 2,486 SH   SOLE 0 0 0 2,486
NVENT ELECTRIC PLC SHS G6700G107   247,705 4,192 SH   SOLE 0 0 0 4,192
PENTAIR PLC SHS G7S00T104   304,864 4,193 SH   SOLE 0 0 0 4,193
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   1,063,481 42,900 SH   SOLE 0 0 0 42,900
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   1,974,116 53,412 SH   SOLE 0 0 0 53,412
SELECT SECTOR SPDR TR ENERGY 81369Y506   7,865,176 93,812 SH   SOLE 0 0 0 93,812
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109   224,923 597 SH   SOLE 0 0 0 597
SPDR S&P 500 ETF TR TR UNIT 78462F103   335,370 706 SH   SOLE 0 0 0 706
SPDR SER TR PORTFOLIO SHORT 78464A474   13,089,059 439,525 SH   SOLE 0 0 0 439,525
SPDR SER TR PRTFLO S&P500 GW 78464A409   25,854,546 397,395 SH   SOLE 0 0 0 397,395
SPDR SER TR PRTFLO S&P500 VL 78464A508   43,631,031 935,686 SH   SOLE 0 0 0 935,686
VANECK ETF TRUST GOLD MINERS ETF 92189F106   7,122,398 229,681 SH   SOLE 0 0 0 229,681
VANECK ETF TRUST JP MRGAN EM LOC 92189H300   7,757,203 306,004 SH   SOLE 0 0 0 306,004
VANECK ETF TRUST EMERGING MRKT HI 92189F353   1,038,041 56,080 SH   SOLE 0 0 0 56,080
VANGUARD ADMIRAL FDS INC SMLLCP 600 IDX 921932828   412,630 4,160 SH   SOLE 0 0 0 4,160
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   229,539 3,121 SH   SOLE 0 0 0 3,121
VANGUARD INDEX FDS TOTAL STK MKT 922908769   457,282 1,928 SH   SOLE 0 0 0 1,928
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   15,568,166 378,787 SH   SOLE 0 0 0 378,787
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706   1,963,611 33,102 SH   SOLE 0 0 0 33,102
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   11,312,395 193,938 SH   SOLE 0 0 0 193,938
VANGUARD SCOTTSDALE FDS VNG RUS1000GRW 92206C680   243,344 3,119 SH   SOLE 0 0 0 3,119
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771   13,754,782 296,695 SH   SOLE 0 0 0 296,695
VANGUARD STAR FDS VG TL INTL STK F 921909768   433,140 7,473 SH   SOLE 0 0 0 7,473
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   35,416,678 739,388 SH   SOLE 0 0 0 739,388
WENDYS CO COM 95058W100   213,012 10,935 SH   SOLE 0 0 0 10,935